Loaʻa Kāpena Kū'ē Loa Loa

No ke aha he mea maikaʻi loa e uku i nā'atike kāki'āina kiʻekiʻe kiʻekiʻe

Inā loaʻa iāʻoe he mau aie nui, hiki ke loaʻa ka nui o nā uku pānaʻi, kahi kiʻekiʻe aʻe ma mua o nā mea'ē aʻe. Ma ke kumukūʻai hōʻai'ē, maikaʻi e hoʻokaʻa i nā kāleka kāleka me nā kumukūʻai kiʻekiʻe loa - mai kahiʻikeʻike kālā ma kahi liʻiliʻi loa.

ʻO ke kumukūʻai o kahi Nānā Loa Loa

Kū'ē kaʻoihana i ka mālamaʻana i kahi kaulike ma kahi kāleka kālepa kiʻekiʻe . ʻO ia no ka hoʻokumuʻiaʻana o kāu uku kālā kālā ma kāu pālākiʻi hoihoi a me kāu kaulike -ʻo ka piʻiʻana o kāu pāʻani hoihoi,ʻo kaʻoi aʻe o kāu uku kālā.

ʻAʻole wale ia,ʻo ka lōʻihi o kāu laweʻana e uku i ke kāleka,ʻo ka nui o ke kālā e lilo iāʻoe no kou ukuʻana i nā mea hou i nā uku kālā ke ukuʻoe i ka aie. ʻO ka ukuʻana i ka hōʻai'ē hapa nui nui e hoʻopakele i ke kālā a loaʻa pinepine iāʻoe e uku i ka aie.

Pehea nā kuleana loiloi e pili ai i kāu uku uku uku

Eia kekahi hiʻohiʻona e hōʻike ai:

E'ōlelo mākou heʻelua kāleka kāleka kāu.

1. He $ 3,000 ka loaʻaʻana o ke kālā kāki'āina a he 22% ka nui o ka uku.
2. E loaʻa ana he $ 1,500 mau palekana a he 12% ka nui o ka loaʻaʻana o ka Beta B.

E manaʻo mākou e hiki iāʻoe ke hoʻolilo i $ 150 no ka ukuʻana i kēia mau aie. E ukuʻoe i kahi hōʻai'ē i kekahi o nā aie a uku i ka palena liʻiliʻi ma kaʻaoʻao'ē aʻe. (ʻO kēia ke ala pono e hiki ai ke uku aku i nā kāleka kāleka he nui.)

Ināʻoe e uku i ke kelepona kālā Ma mua, e ukuʻoe i kahi $ 1,283 i ka huina kālā, a he 39 mau mahina i lilo aiʻoe i hōʻai'ē. I kekahiʻaoʻao, ināʻoe i uku mua i ka Credit Card B, e ukuʻoe i kahi $ 1,764 i ka uku, a ke lawe iāʻoe i 42 mau mahina e lilo iʻole'ai'ē.

ʻO ka ukuʻana i ka hōʻai'ē uku nui e uku i $ 481 i uku, a ukuʻoe i ka uku 3 mau mahina ma mua.

Hiki iāʻoe ke uku i ka hana mua o ka pale kaulike?

ʻO ka ukuʻana i ka hōʻai'ē'upene hapa nui e kūpono ana mai kahiʻikepili kālā , akā,ʻaʻole maikaʻi ke ala no nā mea a pau. ʻO Dave Ramsey, millionaire-bane-bankrupt-turned-millionaire, ke kuhikuhi nei i ka papa hauoli no ka ukuʻana i nā uku liʻiliʻi ma muli o ka uku hoʻolālā.

Kū'ēʻo ia inā i ukuʻia nā uku liʻiliʻi ma mua, ua hoʻoikaikaʻoe e uku i ka'ai'ē hou a me ka wā aʻe a hikiʻole i kāu aie e uku.

Heʻoiaʻiʻo,ʻo ka mea liʻiliʻi loa-i ka hana mua e hiki iāʻoe ke uku i kekahi mau aie ma mua koke aku. I ko mākou hiʻohiʻona i luna, ma lalo o kaʻoihana kiʻekiʻe loa-kaʻana-pono mua, e loaʻa iāʻoe ka pepa mua i ukuʻia i nā mahina he 31. Ma lalo o ka hapa palena mua loa, loaʻa iāʻoe ka pepa mua i ukuʻia i nā mahina he 14. ʻO ka loaʻaʻana o ke kālā i uku loaʻia he manaʻo nui. Akā, e hoʻomanaʻo,ʻoi aku ka lōʻihi o ka ukuʻana i ka hōʻai'ē ma lalo o keʻano kūʻai mua loa.

Inā hoʻomākaukauʻoe e uku i kāu mau aie, ponoʻoe e hoʻoholo inā makemakeʻoe i ka hopena no ka ukuʻana i nā uku liʻiliʻi ma ka lilo o ka hoʻonuiʻana i ka kālā i ka uku. Mai hoʻolāʻihi i ka manawa e noʻonoʻo ai iā ia; ʻo ka mea nuiʻo ka hoʻomakaʻanaʻoe ināʻo ia keʻano e uku koke i kekahi mau aie.