Okushiwo Yisikweletu Sakho Ngobudlelwano Bakho

-Delile

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Amaphuzu akho esikweletu angabikezela ukuthi uyiphatha kahle kangakanani imali, kungenzeka kangakanani ukuthi ukhokhe imali oyibolekile, noma ukuphepha kwakho kwezezimali - kepha manje usungangeza isibikezeli esisha kulolu hlu: ukuthi kungenzeka kangakanani ukuthi uthole uthando oluhlala njalo. Yebo, isikolo sakho sesikweletu singase sibe esinye sezibikezelo ezinkulu zempumelelo yobudlelwano, ngokocwaningo olusha olwenziwe yi-Federal Reserve.

Futhi ungakhohlwa wonke ama-stereotypes we-nerdy penny-pincher! Lolu cwaningo luthole ukuthi uma amaphuzu akho esikweletu aphezulu, maningi amathuba okuba uthole ubudlelwano besikhathi eside onyakeni olandelayo. Futhi, ukukhuphuka kwesikolo sakho, kungenzeka ukuthi ubudlelwane buhlale isikhathi eside, ngakho konke ukweqa ngamaphuzu ayi-100 kunciphisa ubungozi bokuhlukana ngamaphesenti angama-37. Imibhangqwana eyonga ndawonye, ​​ihlala ndawonye-abantu bebevame ukuhehwa kulabo abanezilinganiso ezifanayo zezikweletu kubo, abacwaningi bathole. Ngakolunye uhlangothi, abantu abanamaphuzu aphansi babeyingxenye yamathuba okuthola ubuhlobo njengalabo abanezinombolo eziphakeme kakhulu. Futhi abashaye amaphuzu abaphansi ebudlelwaneni babenamathuba aphindwe kahlanu okuhlukana.

Lokhu akumangazi njengoba ungase ucabange. Amaphuzu aphansi ngokuvamile abonisa ukucindezeleka kwezezimali futhi ucwaningo lwangaphambilini lubonisa ukuthi izinkinga zemali zingenye yezinkinga ezinkulu zobudlelwane.

Vele, ukuxhumana kwangempela lapha akukhona ekwabelaneni ngemibiko yakho ye-FICO kanye nebhodlela lewayini osukwini lwakho lokuqala. Kunalokho, ososayensi bathi maningi amathuba okuthi izici ezenza abantu balunge ngemali nazo zibenze babe bahle ebudlelwaneni. Izimfanelo ezinjengonembeza, ukwethembeka, umthwalo wemfanelo, ukuqwashisa, kanye nokuphathwa kwezinhlekelele zisebenza ngokulingana ekubambisaneni kwemali nezothando.

Uyaqiniseka okwamanje? Kusenenkinga eyodwa enkulu: Izikolo zekhredithi azikho esidlangalaleni-ngakho-ke ayikho indlela yokuthola inombolo yalowo ongase ashade naye ngaphandle kokubuza ngokuqondile. Futhi nakuba kungeyona ingxoxo yokuqala, ongoti bathi ukukhuluma ngemali kusaqala ubudlelwano kungenza uthando lwenu luqine. (Nasi umhlahlandlela osebenzayo ngesikhathi esifanele sokukhuluma ngakho konke-kufaka phakathi imali-ebudlelwaneni.)

Okwamanje, wonke umuntu kufanele azi inombolo yakhe. Ngenxa yomthetho wakamuva, ungathola umbiko owodwa onemininingwane yesikweletu mahhala unyaka ngamunye ku-AnnualCreditReport.com. Uma ufuna usizo lokulandela umkhondo wakho noma ukulungisa izinkinga kumbiko wakho, iya ku-MyFico.com.Futhi ukuthola izimpendulo kuyo yonke imibuzo yakho yamaphuzu esikweletu, hlola i-FAQ kahulumeni uqobo.

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