Debt Payoff Planner & Tracker

Uhlelo lokusebenza lwe-Debt Payoff Planner is luyindlela elula yokuyeka ukuzizwa ukhungathekile bese uqala ukuba nohlelo oluthile, lwesinyathelo nesinyathelo sokukhokha imali yakho loans. Namuhla usuku lokwenza uhlelo ngesibali semalimboleko bese uqala ukukhokha isikweletu.

Nge-Planner Payoff Planner, ukubala usuku lwakho lokukhokha izikweletu nokuthola isheduli yokukhokha isikweletu eyenziwe ngokwezifiso kulula njengokufaka imininingwane eyisisekelo mayelana nemalimboleko yakho: ibhalansi yamanje yemalimboleko, isilinganiso samaphesenti sonyaka (i-APR), kanye nemali encane yokukhokha.

Izinyathelo ezilula zokukhululeka ezikweletini noMhleli Wezikweletu:

Faka izikweletu zakho nezikweletu zakho
Faka isabelomali sakho sokukhokha esingeziwe senyanga ukuze ukhokhe ngokushesha okukhulu
Khetha isu lokukhokha isikweletu
☃️ I-Snowball Yesikweletu sikaDave Ramsey (ibhalansi ephansi kuqala)
Isikweletu se-Avalanche (isilinganiso esiphezulu kuqala)
Deb️ Isikweletu seqhwa (inkokhelo eyengeziwe yesikhathi esisodwa ebhekise kwizimalimboleko)
Plan️ Uhlelo lokukhokha mahhala lwezikweletu ngokwezifiso

Umhleli Wokukhokhelwa Kwezikweletu kanye ne-Calculator inquma uhlelo lokukhokha olukhulu nokuthi kuzothatha isikhathi esingakanani uze ungabi nasikweletu. Utshela uhlelo lokusebenza ukuthi ufuna ukwenza isabelomali esingakanani maqondana nokukhokha isikweletu sakho futhi sizokutshela ukuthi kanjani. Sincoma isu le-Debt Snowball ngoba sikholwa ukuthi ukukhokha ama-akhawunti ngamanye ngokushesha kuzokusiza ukuthi uhlale ugxile enhlosweni yakho yezezimali yokuqeda izikweletu. Uhlelo lokukhokha lusizo kuphela uma unamathela kulo!

Amandla akho nokuzimisela kwakho ukukhokha ngaphezu kwezinkokhelo eziphansi ukuthi ungakhululeka kanjani ezikweletini ngesikhathi esincane kunalokho obukucabanga. Ukwenza isabelomali semali oyiholayo kuzokusiza ukuthola imali ejwayelekile yanyanga zonke ukukhokha isikweletu ngokushesha. Ishadi lokukhokha lizobonisa izimo ezimbili zokukhokha: ukukhokha kuphela amanani amancane, kanye nohlelo lokukhokha lapho ukhokha ngaphezulu ubuncane benyanga.

Ngokwengeziwe, kunenketho yokwenza i-akhawunti yokonga ukukhokhelwa kwesikweletu nemininingwane yokukhokha. Le akhawunti ingafinyeleleka kumadivayisi amaningi, kusuka ezitolo eziningi zohlelo lokusebenza. Ukwakha i-akhawunti kungakhethwa ngokuphelele, kepha kukunika amandla okuba nesipele esivikelekile futhi imininingwane yakho itholakala ngokushesha uma uqala ukusebenzisa idivayisi entsha. Ukuphuma ezikweletini kunzima, ngakho-ke sizama ukukuvumela ukuthi uthathe izinyathelo zengane eziya kulo mgomo.

Sikholelwa ukuthi ukungabi nasikweletu kudinga indawo elula yokuqalisa futhi siqiniseke ukuthi idola ngalinye linikwe amandla ngokuphelele. I-calculator yemalimboleko inokufaka okuncane ukuze kwenziwe ukuphathwa kwemali yakho kube lula ukulandela.

I-Debt Payoff Planner ne-Calculator nayo isetshenziselwa ukulandela umkhondo wezinkokhelo nokuvuselela isikhathi esibekiwe sokungabi nasikweletu. Ukufaka imininingwane yokukhokha kulula njengokuthayipha inani kanye nosuku okwenziwe ngalo inkokhelo. Inhloso yokulandelwa kwenkokhelo ukubona ukuqhubeka kwakho ngokuhamba kwesikhathi futhi uqinisekise ukuthi uhlala ugxile ezinhlosweni zakho zezezimali.

Ngaphezu kokuba yi-tracker yesikweletu kanye ne-calculator yemalimboleko, izinhlelo zokusebenza zikhomba ezinye zezinyathelo ezilandelayo ezinama-athikili agxile ekutheni ungazikhokha kanjani izimalimboleko zabafundi, izimalimboleko zemoto, namakhadi wesikweletu ngokushesha. Futhi, kukhona ezinye izeluleko zokudluliswa kwemali esele ekhadini lesikweletu kanye namasu wokuqinisa isikweletu.

Izigaba eziyisishiyagalombili zemalimboleko ezihlukene ziyatholakala ukusiza ukuhlela ithrekhi nokubona ngeso lengqondo isimo sakho esihlukile:
Amakhadi wesikweletu afana ne-Capital One, Citicard, Chase, njll.
🎓 Izimalimboleko zabafundi ezinjengeNavient, iSallie Mae, iGreat Lakes, njll.
Ans Imalimboleko Yezimoto / Yezimoto
Ans Izimalimboleko Zezokwelapha
🏠 Izimali ezibolekwa njengeRocket Mortgage, iSoFi, njll.
Lo Imali mboleko yomuntu siqu kubangani nomndeni noma abanye abantu
Izintela ezifana ne-IRS noma omasipala bendawo
💸 Esinye isigaba kungaba yinoma yini kusuka kwimalimboleko yokukhokha kuya kwimalimboleko yemali enzima

Ngaphezu kwesibali se-Debt Snowball kanye nendlela ye-Debt Avalanche, abasebenzisi abaningi bathanda ukwenza ukuhlelwa ngokwezifiso kwezikweletu zabo. Lokhu kwenza ngokwezifiso kuyatholakala kubasebenzisi abafuna ukuba ngabaphathi babo bezikweletu.

Umhleli Wokukhokhelwa Kwesikweletu usekela nokukhokhwa kwe-Debt Snowflake. I-Snowflake Yesikweletu ukukhokhwa kwesikweletu okukodwa kusuka ezintweni ezifana nebhonasi emsebenzini, ukubuyiselwa kwemali yentela, usuku lokukhokha olwengeziwe, njll. Lokhu kusebenza okungeziwe kukuvumela ukuba ube namandla okulawula ngaphezu kwawo wonke amadola owabhajethi.