He aha ka aie a me ka aie?
ʻO ka hōʻai'ē hōʻai'ē he lahui hoʻoponopono waiwai kaulana i hanaʻia e kahi mea noi e uku i ka hapaʻai waiwai kiʻekiʻe, ma ka ukuʻana i nā uku keu no nā loina'ē aʻe.
ʻO kēia manaʻo,ʻo ia ke hoʻokū'ē'ē'ē i ka'ai'ē nui-nui a ka mea paha e uku ana iāʻoe i ka nui o ke kālā ma ka uku uku.
Hiki i ka ulu waiwai ke hiki i ka paʻakikī ke piʻi i waho o ka hōʻai'ē, no laila,ʻo ka nele i kēia aie e hiki ke kōkua i ka hoʻoponoponoʻana i kēia kūlana a ke holomua.
Pehea e hana ai ka Debt Avalanche
Inā loaʻa'ē kāu aie, hiki iāʻoe ke loaʻa i nā kumukūʻai he nui ma nāʻano palekana likeʻole a me nā uku pānaʻi likeʻole. Ma lalo o keʻano o ka hōʻai'ē kālā, e ukuʻoe i ka hapa liʻiliʻi i kāu mau aie a hoʻokaʻawale i kekahi kālā'ē aʻe i ka mua o ka aie.
E'ōlelo mākou iāʻoe:
- $ 23,000 ma nā hōʻai'ē haumāna ma 4.29 pakeneka
- $ 3,000 ma ke kāleka kāleka kāleka i 15.59 pakeneka
- $ 12,000 loan loan ma 3.5 pakeneka
Ma ke hoʻohanaʻana i ka hōʻai'ē kālā, e ukuʻoe i nā uku o ka malama āpau i kāu haumāna a me nā loans ukana, a hāʻawi i nā kālā'ē aʻe no ka hōʻai'ē me ka mea kiʻekiʻe loa - ma kēia hihia,ʻo kāu aie kāleka kāleka.
No laila e'ōlelo mākou e like kāu uku kaulike he $ 600 no ka mahina.
Akā, ma hope o ka nānāʻana i kāu kālā a me kaʻokiʻana i kāu mau hoʻolimalima, hiki iāʻoe ke hoʻokuʻu i $ 150 no kēlā me kēia mahina, eʻae iāʻoe e hōʻoia i $ 750 i ka malama no kāu aie. Ma lalo o kēiaʻano, makemakeʻoe e hoʻonui i ka $ 150 no ka hōʻai'ē kāleka i kēlā me kēia mahina, e pale aku i kahi o ka hōʻai'ē a hiki i ka wā i ukuʻia ai ka uku.
I ka manawa e uku pihaʻia ai, e kauʻoe i ke kālā kālā i kahi kaʻina o ka ukiuki kiʻekiʻe aʻe,ʻo ia kāu hōʻai'ē haumāna. I ka wā e ukuʻia ai kēlā, e hoʻokaʻawaleʻoe i nā kālā'ē aʻe i ka hōʻai'ē kaʻa.
Ma lalo o keʻano o ka hōʻai'ē kālā,ʻaʻole e pili ke kaulike aʻo kāu mea i kaupaʻi ai ke koiʻana i ka hōʻai'ē kiʻekiʻe. ʻO ka nānāʻana i ka hōʻai'ē kiʻekiʻe nui a me ka hāʻawiʻana i ke kālā'ē aʻe i kēlā mau haʻawina e kōkua i ka hoʻemiʻana i ka hoihoi no ka manawa, kōkua iāʻoe e uku i ka nui o ka pale kaulike.
ʻO keʻano o ka hōʻai'ē hōʻai'ēʻo ia ke kumukūʻai hōʻai'ē hōʻai'ē maikaʻi loa, hiki i ka liʻiliʻi o ka uku a me ka uku wikiwiki. ʻO ke koho'ē aʻe,ʻo ia ke kumu o ka pōleʻele pili'ē , kahi e nānā pono ana i ka palena nui loa, me ka nānāʻole i nā kumukūʻai uku. He kūpono kēia hana no ka hoʻonāukiuki - manaʻo maikaʻiʻo ia e holoi i kekahi o kāu mau aie a pau - akā hiki i ka hopena i ka ukuʻana i ka loiloi hou i ka manawa.
Pehea e hoʻomaka ai me keʻano Avalanche Debt
E hoʻomaka i ka hoʻomakaʻana me ka hōʻai'ē a me ke kī i kāu aie? ʻO ka mua, e kākau i kāu mau loans a pau, nā pale kau'ē a me nā uku uku. Ma hope o kēlā, kau i kāu uku palena. E like me:
Pākuhi:
ʻO ka uku kālā # 1: Ka nui o nā uku pānaʻi Ka uku palena palena
ʻO ke kālā kālā # 2: Ka nui o nā uku pānaʻi Ka uku palena palena
ʻO ka uku kālā # 3: Ka nui o nā uku pānaʻi Ka uku palena palena
E hōʻawi i kāu mau uku kau palena . A laila, e nānā i kāu pūlāwai aʻike i kahi e hiki ai iāʻoe keʻoki a hōʻemi paha i ka lilo . ʻEhia ka nui āu e uku ai i ka'ai'ē? ʻAʻole ia he mea maikaʻi inā he $ 10 wale nō a he $ 100 paha. ʻO ke kīʻo ka ukuʻana i mua o ka palena iki i kāu aie.
I ka manawa e helu aiʻoe i ka nui o kāu mea e hoʻokomo ai i ka'ai'ē, e hoʻopaʻa i ka hōʻai'ē me ka hōʻai'ē kiʻekiʻe loa. Inā hiki i ka manawa e uku ai i kāu mau mahina, e uku i ka liʻiliʻi ma kāu mau loina'ē aʻe, i ka hāʻawiʻana i kāu kālā i ka hōʻai'ē hoihoi kiʻekiʻe.
E hoʻomau i kēia hana a hiki i ka wā e ukuʻia ai, a laila e noʻonoʻo i ka hōʻai'ē hoihoi kiʻekiʻe. E hoʻomauʻoe i kēia hana a hiki i ka wā e hele aiʻoe mai ke kiʻekiʻe kiʻekiʻe i ka liʻiliʻi haʻahaʻa (keʻano o ka avalanche e hoʻomaka ana ma luna a iho i lalo) a ua ukuʻia kāu aie a pau.
E hōʻoia e hiki i kēia ala ke kōkua iāʻoe e mālama i ke kālā ma ka ukupanee a hiki ke kōkua iāʻoe e uku i ka hōʻai'ē wikiwiki . ʻAʻole paha ia e hāʻawi aku i ka hoʻonāukiukiʻana i ka'ōpū hau, akā, hiki ke hana i ka pākuhi i kou makemake.