5 mau māmā hiki iāʻoe ke hana e hoʻomaka ai i kāu huakaʻi hoʻokele kālā
He nui nā kānakaʻAmelika e ho'āʻo nei e uku i kā lākou'ai'ē. He nui ka huiʻana o ka hōʻai'ē kāleka kāleka , nā hōʻai'ē haumāna, nā loans kaʻa, nā moraki nui, nā loina pilikino, nā pili kālā, a ma kekahi mau kumu,ʻo ia hoʻi nā pānaʻi uku.
Ināʻoe e hakakā nei ma lalo o ke kaumaha o kēia mau uku'ai'ē, eia kekahi mau'ōlelo kōkua e hiki ke kōkua iāʻoe e hoʻopau i kēia mau pili .
1. E hana i kahi papa inoa
Nohoʻoe me kahi peni a me kahi pepa a kākau i kahi papa inoa o kēlā me kēia aie āu. He mea kupaianaha i ka nui o nā poʻe i hanaʻole i kēia. Ma kāu hōʻai'ē i kākauʻia ma luna o kekahi pepa i mua o kou hiki iāʻoe eʻike pono i kāu mea e kamaʻilio nei.
ʻO kēia wale nō e lilo i meaʻike nui. Pono e komo kēia papa inoa o kāu mau aie i kēia mau mea:
- ka inoa o ka mea nāna i hāʻawi a mea'ai'ē paha
- ka pale kaulike
- ka uku panee
- ka uku palena palena
2. E kākoʻo i kahi hōʻai'ēʻo ia ka mea nui loa o ka manaʻo a iʻole ka hoʻomauʻana i kaʻike
ʻAʻole pono kēia no ka aie i loaʻa ka nui o ka ukupaneʻe, ka uku kiʻekiʻe o ka mahina, a me ka uku kiʻekiʻe. E hōʻoia i ka aie e hōʻehaʻeha iāʻoe -ʻo ia ke ala i ka pō.
E hoʻomanaʻo,ʻaʻole pono kēia e hana i keʻano loea. Keʻimi nei mākou i ka uku e uku ai iāʻoe. E kuli i kēia a kākau i kahi memo.
3. E hoʻoulu i kahi Hōkū e pili ana i ka hōʻai'ē me ka kaulike kaulike loa
E'ōlelo mākou iāʻoeʻekolu mau aie: he kāleka kāleka me kahi $ 6,000 palekana, kahi hōʻai'ē kālā me kahi $ 15,000 palekana, a me kahi hōʻai'ē haumāna me kahi $ 20,000 pale.
I kēia hihia,ʻo ka hōʻai'ē me ka mea liʻiliʻi loa ,ʻo ia ke kāleka kāleka. E kau i kekahi hōkū ma kahi kokoke i kēia.
4. E kau i kekahi wahi pāʻokoʻa e pili ana i ka uku i loaʻa ka nui loa o ka uku
Ke hoʻi nei i ka hiʻohiʻona i hala, e'ōlelo mākou i kāleka kāu kāleka e loaʻa nei he teaser 0% hapa kaʻina no nā malama he 18 mua. I kēia manawa,ʻewalu mau mahina i loko o kēlā mau mahina he 18, no laila, he 10 mau mahina i koe me ka loaʻaʻole o nā uku kālā.
E noʻonoʻo mākou he 6% ka uku o kāu hōʻai'ē a he 7% ka uku o kāu hōʻai'ē haumāna. I kēia hihia,ʻo kāu uku pānaʻi kiʻekiʻe loaʻo ia ka hōʻai'ē haumāna. ʻO Coincidentally,ʻo ia ka hōʻai'ē me ka pale nui loa i kā mākou hiʻohiʻona.
5. He manawa ia e hoʻoholo ai
ʻO wai o kēia mau uku kālā kāu e koho mua ai e uku i ka hapa mua ? ʻAʻoleʻoe e hana maikaʻi iāʻoe e hoʻopakele i kahi pūpū kālā a hoʻopili pono i kāu aie a pau. ʻO ka hanaʻana pēlā e hoʻonui aiʻoe i ka holomua, a hiki iā ia keʻike i ka hāʻuleʻana.
Ma kahi aʻe, e noʻonoʻo i ka aie āu e hauʻoli nei e uku. Makemakeʻoe e uku i ka hōʻai'ē me ka loiloi kiʻekiʻe loa e mālama i ke kālā ma ka uku uku uku? Makemakeʻoe e uku i ka mea me ka mea liʻiliʻi loa no ka mea hiki iāʻoe ke holoi koke i kēlā mea mai kāu papa inoa mai. E aho paha e uku aku i ka mea hoʻonāukiuki?
ʻAʻole pono ka pane a iʻole ka hewa. E koho i kahi mea maikaʻi loa iāʻoe.