Pono pono kahi kāleka hōʻai'ē no ka nui o nā hana o kēia lā. Eia naʻe, e hiki ke loaʻa kahi kāleka kālekaʻole kahi hana, ināʻaʻoleʻoe i loaʻa kālā. Eia naʻe, aia kekahi mau mea hoʻohana e loaʻa mau ka loaʻa kālā maʻamau,ʻaʻole wale ka loaʻa kālā mai kahiʻoihana.
ʻO ka loaʻaʻana o kaʻoihanaʻaʻole ia he kāleka kāleka kāleka
Nui nā noi noi kāleka wale nō e noi aku i kahiʻoihana maʻamau aʻoihana a me kaʻike kālā. Hiki paha iāʻoe ke koho inā he haumānaʻoe, he limahana aupuni, mea homemaker, mea hana limahana, a hanaʻole paha.
Hiki i kekahi mau noi ke noi i ka inoa o kāu mea hana, akā eʻae iāʻoe e komo i ka "None" ināʻaʻoleʻoe he haku hana. Hiki iāʻoe keʻikeʻaʻole i noi kekahi mau noi no kaʻike hana. Inā noiʻia kaʻike hana i ke noi palapala kāleka, ponoʻoe e pane i kaʻike me kaʻoiaʻiʻo.
He mea nui ka waiwai
Ināʻaʻoleʻoe e komo i kaʻike pilikino, pono ka palapala noi kāleka e koi iāʻoe e hōʻoho i ka nui o kāu kālā makahiki. Hiki iāʻoe ke hoʻokomo i ka alimony, kākoʻo keiki, a iʻole kekahi kālā'ē aʻe āu e makemake ai e noʻonoʻoʻia no ka ukuʻana i kāu kaulike kāleka hōʻai'ē. No ka heluʻana i ka nui o ka uku makahiki: hoʻonui i ka loaʻa o nā pule he 52; hoʻonui i ka loaʻa kālā ma waena o nā mahina he 24; hoʻonui i nā kālā āu e loaʻa ai i kēlā me kēia wiki'ē aʻe i ka 26, a hoʻonui i ka kālā o ka mahina i 12.
Ke papa inoaʻana i kahi kālā a kekahi
Inā he makuaʻoe ma luna o ka 21 makahiki, hiki iāʻoe ke hoʻohana i kekahi kālā'ē aʻe o kekahi mea ma kāu noi kāleka kāleka inā hiki iāʻoe ke manaʻo pono e loaʻa i kēlā kālā e uku i kāu mau pili.
Eia kekahi lā, inā hoʻololi mau kāu kāne i kekahi kālā i kāu moʻokāki, hiki iāʻoe ke hoʻohana i ka nui i hoʻololiʻia e like me kāu kālā. A iʻole, ināʻoe i launa pū me kekahi mea'ē aʻe a ke komo i nā kālā a pau, hiki iāʻoe ke hoʻohana i nā waihona mau no kāu kālā. Akā, ināʻaʻole kāu kālā, hoa, a makua paha i hoʻoili i kālā iāʻoe aʻaʻoleʻoe e loaʻa i kahi pūnaewele me lākou,ʻaʻole hiki iāʻoe ke hoʻohana i kā lākou kālā ma kāu noi palapala kāleka.
E kiʻi i kahi kāleka kālā me kekahi mea'ē aʻe
ʻO kekahi koho no ka loaʻaʻana o kahi kāleka kālekaʻole kahi hana,ʻo ia ke loaʻaʻana i kahi kāleka kāleka me kekahi kanaka'ē aʻe ma keʻano he mea hoʻohana i ka hoʻohanaʻia a iʻole he mea lawe pū me ia. Ma keʻano he mea iʻaeʻia i ka hoʻohanaʻia, aia iāʻoe ke kuleana e hoʻohana i ke kāleka kāleka, akā, me kaʻole o ke kuleana o ke kānāwai e uku. ʻAʻole i manaʻoʻia kāu mau pilina kālā kālā a me kāu moʻomeheu i ka wā i hoʻohuiʻia aiʻoe e like me ka mea i hoʻohanaʻia.
ʻOiaiʻoʻoe he mea nāna e lawe pū nei e hāʻawi iāʻoe i nā kuleana a me nā kuleana o ka hoʻohanaʻana i ke kāleka kāleka. Ke hoʻohui pū neiʻoe,ʻikeʻia kāuʻikepili kālā a me ka loea me ka mea'ē aʻe. Eia naʻe, inā nui ka loaʻa kālā o ka mea noi'ē aʻe, hiki iāʻoe keʻaeʻia no ke kāleka kāleka ināʻaʻoleʻoe he hana.
E ho'āʻo i kahi Kālā Kāleka Kāleka
ʻOiai mālamaʻia nā noi palapala kāleka i ka manawa e nīnau pinepine ai e pili ana i kāu hana a me kāu kālā loaʻa, hiki iāʻoe ke'āponoʻia no kekahi o kēia mau kāleka kāleka no ka mea e hana anaʻoe i kahi waihona mālama mālama. Me ka Capital One Secured MasterCard , no ka laʻana, hiki iāʻoe ke hoʻolilo i kahi hōʻaikaʻi mālama e like me $ 49 no kahi palena kālā hōʻai'ē $ 200, e kū ana i kāu kūleʻaleʻa. ʻO ke kiʻekiʻe o kāu waihona palekana,ʻo ka kiʻekiʻe o kāu palena palena.
Ma mua o kou noiʻana no kahi kāleka kālekaʻole me kahi hana mua, e noʻonoʻo pono i kāu hiki ke uku i ka paleʻai kāleka.
Inā uaʻaeʻiaʻoe no kāleka kāleka aʻaʻoleʻoe e loaʻa i ke kumu e uku ai i kāu mau uku, ke kū neiʻoe i nā pilikia kalala: nāʻauhau hope, nā hoʻopiʻi kālā, a me nā hōʻiliʻili hōʻai'ē.