NerdWallet: Manage Your Money

Landelela ibhajethi yakho, izimali kanye nekhredithi - konke endaweni eyodwa futhi konke mahhala. Thola imininingwane oyidingayo ukuze usebenzise imali yakho ngokugcwele. Buka wonke ama-akhawunti akho ezezimali esikrinini esisodwa ukuze uthole ukuqapha okulula, okuphelele. Bese usondeza imininingwane yokuhamba kwemali yakho, izindleko, amaphuzu esikweletu kanye nenani lengqikithi. Futhi, thola amathiphu agunyazwe u-Nerd ukuze akusize uphathe izimali zakho futhi usebenze ufinyelele imigomo yakho.

Nansi indlela uhlelo lwethu lokusebenza LAMAHHALA lokulandela umkhondo wezezimali lomuntu siqu:

YAZI UKUDLULA KWEMALI YAKHO

- Landelela imali kumakhadi amaningi
- Gcina umbhalo walokho ibhajethi yakho ngokuhlukaniswa kwethu okungu-50/30/20
- Thola imininingwane enemininingwane yokusebenzisa imali
- Landelela izikweletu zakho, izindleko nokuningi
- Thola izindlela zokunciphisa noma zonge
- Qhathanisa ukusetshenziswa kwenyanga nenyanga
- Bona izigaba zakho eziphezulu zokusebenzisa imali ukuze uthole isabelomali esilula

QHUBEKA NENOTHO LAKHO

- Bona ukuthi iholo lakho, izikweletu, ukutshalwa kwezimali, kanye nenani lekhaya konke kuhlangana kanjani
- Landela umlando wenani lakho lengqikithi
- Sondeza emininingwaneni yenani lakho eliphelele futhi ulandelele ama-akhawunti ngamanye ngokuhamba kwesikhathi

QAPHELA FUTHI WAKHE ISIKWELETU SAKHO

- Finyelela amaphuzu akho esikweletu kanye nombiko wesikweletu nganoma yisiphi isikhathi
- Thola izaziso zokushintsha amaphuzu
- Qonda izici ezithinta isikolo sakho
- Funda izindlela zokuqhubeka nokwakha - noma ngabe ukwandisa ukusetshenziswa kwakho kwesikweletu noma ukukhokha izikweletu zakho kusenesikhathi, nokunye okwengeziwe

I-SMART MOVES NGEMALI YAKHO

- Thola ngokushesha futhi uqhathanise amakhadi esikweletu azuzisa kakhulu, amanani emalimboleko angcono, nama-akhawunti asebhange anenzuzo ephezulu
- Joyina i-NerdWallet+ ukuze uthole imiklomelo efinyelela ku-$350 ngokwenza izinqumo ezihlakaniphile zezezimali - njengokukhokha ikhadi lakho lesikweletu ngesikhathi
- Joyina IDrayivu NjengoNerd ukuze ulandelele indawo yakho ngesikhathi sangempela, uthole amaphuzu okushayela futhi ufanelekele ukuthola amanani omshwalense wezimoto angcono

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Izilinganiso Zenzalo Nemali Ebolekiwe Yomuntu Siqu: Ungabuka ukunikezwa kwemali mboleko yomuntu siqu endaweni yemakethe yemalimboleko ye-NerdWallet. Lokhu kuvela kubakhangisi bezinkampani zangaphandle lapho i-NerdWallet ingathola khona isinxephezelo. I-NerdWallet ibonisa imali mboleko yomuntu siqu ngamanani asuka ku-4.60% ukuya ku-35.99% APR ngemigomo esuka ko-1 kuye kongu-7. Amanani alawulwa abakhangisi bezinkampani zangaphandle futhi angashintsha ngaphandle kwesaziso. Kuye ngomboleki, ezinye izinkokhelo zingase zisebenze (njengezimali zokuqalisa noma izinkokhelo zokukhokha sekwephuzile). Ungabuka imigomo nemibandela yokunikezwa okuthile ukuze uthole ulwazi olwengeziwe ngaphakathi kwendawo yemakethe. Konke ukunikezwa kwemali mboleko ku-NerdWallet kudinga isicelo nokugunyazwa ngumbolekisi. Ungase ungafaneleki nhlobo ukuthola imalimboleko yomuntu siqu noma ungase ungafaneleki ukuthola inani eliphansi kakhulu noma umnikelo ophakeme kakhulu obonisiwe.
Isibonelo Sokukhokhelwa Okumele: Umboleki uthola imali mboleko yomuntu siqu engu-$10,000 enesikhathi sezinyanga ezingu-36 kanye ne-APR engu-17.59% (okuhlanganisa isilinganiso senzalo saminyaka yonke esingu-13.94% kanye nenkokhelo yesikhathi esisodwa engu-5%). Bazothola u-$9,500 ku-akhawunti yabo futhi babe nenkokhelo yanyanga zonke edingekayo engu-$341.48. Phakathi nesikhathi sokuphila semali mboleko yabo, izinkokhelo zabo zizoba ngu-$12,293.46.