Ungayehlisa kanjani inkokhelo yemoto yakho yanyanga zonke
Okuqukethwe
Uma uthola ukuthi ibhajethi yakho iyaqina, uqala ukuhlaziya indlela osebenzisa ngayo imali ukuze unciphise i-loop yezikweletu. Uzothola ukuthi ezinye izindleko ziyimpoqo, ezinye azinayo indawo eshibhile, kanti ezinye izinto…
Uma uthola ukuthi ibhajethi yakho iyaqina, uqala ukuhlaziya indlela osebenzisa ngayo imali ukuze unciphise i-loop yezikweletu.
Uzothola ukuthi ezinye izindleko ziyimpoqo, ezinye azinazo ezinye ezishibhile, kanti ezinye izinto ongazenza ngaphandle kwazo uze ubuyele esimweni sakho futhi usesimweni esingcono sezimali. Phakathi kwezinto okufanele ube nazo kusadingeka ukhokhe irenti noma indlu yakho, ukhokhe izikweletu zezinsiza kanye - yebo - ukukhipha imali ethile ukuze ukhokhele imoto yakho yanyanga zonke.
Nakuba ungase ubeke ingxabano yokuthi imoto iwukunethezeka kunokuba iyisidingo, leyo ngxabano ingase inganakwa. Kulezi zinsuku, sincike ezintweni zokuhamba zomuntu siqu - hhayi njengesengezo esingenamsebenzi, kodwa ngokuvamile njengendlela yokwenza umsebenzi wethu futhi sithole imali edingekayo ukuze siphile ntofontofo.
Nakuba kungadingeki ukuba ulahle imoto yakho ukuze unciphise umthwalo wakho wezezimali; Kunezindlela ezimbalwa ongazisebenzisa ukuze unciphise inkokhelo yakho yanyanga zonke yemoto ukuze ilingane kangcono nesabelomali sakho.
Indlela 1 kwezi-4: Hlanganisa isikweletu sakho
Uma unezikweletu eziningi ngaphezu kokukhokhela imoto yakho, kungcono ukubonisana nesiphathimandla semalimboleko mayelana nokuhlanganiswa kwemali mboleko. Lokhu kuhlanganisa izikweletu zakho eziningi zibe yinkokhelo eyodwa okulula ukubhekana nayo ngokwesabelomali sakho, futhi ngokuvamile kunciphisa inani oyodinga ukulikhokha inyanga ngayinye.
Ngale ndlela, kungenzeka futhi ukukhiyela inani lenzalo elingcono kunangaphambili.
Indlela yesi-2 kwezi-4: Gcwalisa kabusha imalimboleko yakho yemoto
Ukuhlanganiswa kwemali mboleko akuyona ukuphela kwendlela yokuthola inzalo ephansi futhi ekugcineni wehlise izinkokhelo zakho zenyanga zemoto. Ungakwazi futhi ukukhokhela kabusha isikweletu semoto.
Uma umnotho uwukuthi izinga lenzalo ngokuvamile liyehla, noma isikweletu sakho sithuthuke kakhulu kusukela waxhasa imoto yakho okokuqala, le nketho kufanelekile ukuyihlola.
Isinyathelo 1: Hlola ibhalansi yakho yemalimboleko. Njengoba nje uzodinga inani elithile lemali ngaphambi kokuba uxhase kabusha indlu yakho yendlu, le nketho iyinketho kuphela uma ubulokhu ukhokhela imoto yakho isikhathi eside.
Ibhalansi yakho yemalimboleko kufanele ibe ngaphansi kwevelu yamanje yemoto yakho.
- ImisebenziIMP: Ukuze uthole inani lemoto yakho futhi uyiqhathanise nenani olikweletayo, vakashela i-Kelly Blue Book noma amawebhusayithi e-NADA.
Isinyathelo sesi-2. Nciphisa izinqubo ezidinga ukufinyelela kumlando wesikweletu. Lapho uhlola izinketho zokuhlanganisa kanye nokubuyisela imali, khumbula ukuthi nakuba kufanele uqhathanise amanani avela kubabolekisi abaningi, imvamisa ofinyelela ngayo umlando wakho wesikweletu sithinta isikolo sakho sesikweletu.
Ngoba ngaso sonke isikhathi uma umbolekisi ecela umbiko wakho wesikweletu, kuba nomthelela omubi kusikolo sakho, khawula "ukuthenga" kwakho ezintweni ezingcono kakhulu, njengesikhungo samabhange osisebenzisa njalo.
Indlela yesi-3 kwezi-4: Shintshela emotweni eshibhile
Nakuba kungase kungenzeki ukuphila ngaphandle kwemoto, unganciphisa kakhulu izinkokhelo zakho zenyanga ngokumane uthenge imoto eshibhile. Lokhu kudinga ukuthi udayise imoto yakho yamanje ukuze ukhokhe imali oyibolekile futhi usebenzise imali eyengeziwe ukuze ukhokhele imoto enenani eliphansi.
Nakuba le ndlela ingase ibonakale idlulele, iphumelela kakhulu ekwenzeni isabelomali sakho sanyanga zonke singethuki kangako.
Isinyathelo 1: Thengisa imoto yakho. Ukuze le ndlela isebenze, uzodinga ukuthengisa imoto yakho ngaphezu kwebhalansi yemali mboleko yakho yemoto.
Nakuba amawebhusayithi afana ne-NADA ne-Kelly Blue Book ingase ikunikeze isilinganiso senani lemoto yakho yamanje, lokhu akusho ngempela inani langempela lokuthengisa ozolithola. Ukuze uthole umbono ongcono walokho ongakuthola ngokoqobo ngemoto yakho, bheka izikhangiso zendawo eziphrintiwe kanye ne-inthanethi futhi ubheke intengo yokuthengisa yezimoto ezifana nemoto yakho.
Isinyathelo sesi-2: Thola imoto eshibhile. Le ndlela isebenza kungakhathaliseki izinga lenzalo, njengoba imali ebolekiwe yemoto yesibili izoba ngesamba sesamba esiphansi kunemali mboleko yemoto yakho yangaphambilini.
- ImisebenziIMP: Uma uhlela ukuthenga imoto eke yasetshenziswa, qasha umakhenikha oqeqeshiwe ofana ne-AvtoTachki ukuze ahlole ngaphambi kokuthenga ukuze ugweme ukulungiswa okumba eqolo esikhathini esizayo.
Indlela yesi-4 kwezi-4: Xoxisana ngezinkokhelo eziphansi nombolekisi wakho
Abanye ababolekisi banenqubomgomo lapho izinkokhelo zingancishiswa khona isikhathi esifushane lapho umbolekisi ehlangabezane noshintsho olukhulu lwemali engenayo ngenxa yezimo ezimbi kakhulu njengezinkinga zempilo noma ukulahlekelwa umsebenzi.
Isinyathelo sesi-1: Xhumana nomthengisi wakho. Uzoba maningi amathuba okuba uphumelele ekuxoxisaneni ngemibandela emisha yokubolekwa kwemoto uma uxhase imoto yakho ngomdayisi. Ukuya kumdayisi kunenzuzo ebhizinisini lakho ngenxa nje yokuthi kune-red tape encane futhi kungenzeka ubhekane kakhulu nabantu abakwaziyo kunokusebenzelana nenkampani iyonke.
Isinyathelo sesi-2: Cabangela umthelela wesikhathi eside ezimalini zakho. Khumbula ukuthi uma ukwazi ukuxoxisana ngezinkokhelo eziphansi, inani eliphelele lenzalo ekhokhwayo lizoba phezulu futhi ishejuli yokukhokha izoba yinde. Ngakho uma ulindele ukuthi isimo sakho sezezimali sithuthuke esikhathini esizayo esiseduze, lokhu kungase kungabi yisinqumo esingcono kakhulu ngokuhamba kwesikhathi.
Kungakhathaliseki ukuthi iyiphi indlela ogcina uyikhetha, izindaba ezinhle ukuthi akudingekile ukuba ungabi namoto ukuze wenze izinkokhelo zemoto zakho zenyanga zilawuleke. Lokhu kusho ukuthi usazokwazi ukuya noma ubuya emsebenzini, noma mhlawumbe uqhubeke nokwenza umsebenzi oncike ekubeni neyakho into yokuhamba.
Kala izinzuzo nezingozi zezinketho ezitholakalayo ezihlukile esimweni sakho sezezimali, futhi enye indlela ingase ibe indlela engcono kakhulu yokunciphisa izinkokhelo zakho zenyanga zemoto.
