Ithini inqaku lakho letyala malunga nobuhlobo bakho

Umxholo

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Inqaku lakho letyala linokuxela kwangaphambili ukuba uyisebenzisa kakuhle kangakanani imali, ungasilela njani kwimali mboleko, okanye nakukhuseleko lwakho lwezezimali-kodwa ngoku unokongeza ingqikelelo entsha kolu luhlu: unokulufumana njani uthando oluhlala luhleli. Ewe inqaku lakho letyala linokuba sesinye sezona zibikezelo zempumelelo kubudlelwane, ngokophando olutsha olwenziwe yiFederal Reserve.

Kwaye ungazilibala zonke izinto ezibaxekileyo ze-penny-pincher stereotypes! Olu pho nonongo lufumanise ukuba ukuphakama kwenqaku lakho lekhredithi, kokukhona unokufumana ubudlelwane bexesha elide kunyaka olandelayo. Ngaphezu koko, okukhona amanqaku akho aphezulu, kokukhona ubudlelwane buya kuhlala buhleli, ngokutsiba ngakunye kumanqaku ali-100 kunciphisa umngcipheko wokwaphuka ngomyinge wama-37 ekhulwini. Amaqabane agcina ngokudibeneyo, hlala kunye-abantu bathanda ukutsala umdla wabo banamanqaku afanayo okuthenga ngetyala, abaphandi bafumanise. Kwelinye icala, abantu abanamanqaku asezantsi babesiqingatha sokufumana ubudlelwane njengabo banamanani aphezulu. Kwaye abafumana amanqaku aphantsi kubudlelwane babenethuba eliphindwe kahlanu ukuba bahlukane.

Oku akumangalisi njengoko ucinga. Amanqaku asezantsi ahlala ebonisa uxinzelelo lwezezimali kwaye uphando lwangaphambili lubonisa ukuba iingxaki zemali yenye yezona ngxaki zinkulu kulwalamano.

Ewe kunjalo, unxibelelwano lokwenyani alukho ekwabelaneni ngeengxelo zakho zeFICO kunye nebhotile yewayini ngomhla wakho wokuqala. Endaweni yokuba, oososayensi bathi kunokwenzeka ukuba iimpawu ezenza abantu balunge ngemali zinokubenza balunge kubudlelwane. Iimpawu ezinjengokunyaniseka, ukunyaniseka, uxanduva, ukwazisa, kunye nolawulo lomngcipheko zisebenza ngokulinganayo kwimali kunye nokuthandana.

Ngaba uqinisekile? Kusekho umba omkhulu: Amanqaku etyala awekho esidlangalaleni-ngoko ke akukho ndlela yokufumanisa inombolo yeqabane elinokuba liqabane ngaphandle kokubuza ngqo. Kwaye nangona mhlawumbi kungeyoncoko yomhla wokuqala, iingcali zithi ukuthetha ngemali ekuqaleni kobudlelwane kunokwenza uthando lwakho lube namandla. (Nasi isikhokelo esiluncedo kwixesha elifanelekileyo lokuthetha ngayo yonke into-kubandakanya imali-kubudlelwane.)

Okwangoku, wonke umntu kufuneka awazi inombolo yakhe. Enkosi kumthetho wakutshanje, unokufumana ingxelo eneenkcukacha ezikhululekileyo ngonyaka kwiAnnualCreditReport.com. Ukuba ufuna uncedo lokulandelela amanqaku akho okanye ukulungisa iingxaki kwingxelo yakho, yiya kuMyFico.com.Ukufumana iimpendulo kuyo yonke imibuzo onayo ngetyala, jonga urhulumente a FAQ.

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