Debt Payoff Planner & Tracker

Uhlelo lokusebenza lweDebt Payoff Planner 📱 luyindlela elula yokuyeka ukuzizwa ukhungathekile futhi uqale ukuba nohlelo oluqondile, lwesinyathelo nesinyathelo sokukhokha imali oyibolekile 🎉. Namuhla usuku lokwenza uhlelo ngesibali semalimboleko futhi uqale ukukhokha isikweletu.

Nge-Debt Payoff Planner, ukubala usuku lwakho lokungasikhokhi izikweletu kanye nokuthola uhlelo lokukhokha isikweletu ngendlela oyifisayo kulula njengokufaka ulwazi oluyisisekelo mayelana nemalimboleko yakho: ibhalansi yamanje yemali mboleko, isilinganiso samaphesenti onyaka (APR), kanye nenani elincane lokukhokha.

Izinyathelo ezilula zokungabi nezikweletu nge-Debt Payoff Planner:

Faka imalimboleko yakho nezikweletu
Faka ibhajethi yakho yokukhokha eyengeziwe yanyanga zonke ukuze ukhokhe ngokushesha
Khetha isu lokukhokha isikweletu
☃️ Isikweletu sika-Dave Ramsey's Snowball (ibhalansi ephansi kuqala)
🏔️ I-Debt Avalanche (isilinganiso esiphezulu kuqala)
❄️ Isikweletu se-Snowflake (inkokhelo eyengeziwe yesikhathi esisodwa emalini ebolekiwe)
♾️ Uhlelo lwamahhala lokukhokha isikweletu

I-Debt Payoff Planner kanye ne-Calculator inquma uhlelo lokukhokha oluphelele kanye nokuthi kuzothatha isikhathi esingakanani uze ukhululeke izikweletu. Utshela uhlelo lokusebenza ukuthi ufuna ukwenza ibhajethi engakanani ukuze ukhokhe isikweletu sakho futhi sizokutshela ukuthi kanjani. Sincoma isu le-Snowball Lesikweletu ngoba sikholelwa ukuthi ukukhokha ama-akhawunti ngamanye ngokushesha kuzokusiza uhlale ugxile emgomweni wakho wezezimali wokuqeda isikweletu. Uhlelo lwenkokhelo luwusizo kuphela uma unamathela kulo!

Ikhono lakho kanye nokuzimisela kwakho ukukhokha ngaphezu kwezinkokhelo ezincane yindlela ozokhululeka ngayo izikweletu ngesikhathi esincane kunalokho obukucabanga. Ukwenza ibhajethi yomholo wakho kuzokusiza ukuthi uthole inani elijwayelekile lanyanga zonke ukuze ukhokhe isikweletu ngokushesha. Ishadi lenkokhelo lizobonisa izimo ezimbili zenkokhelo: ukukhokha kuphela amanani amancane, kanye neshejuli yokukhokha lapho ukhokha kakhulu inani elincane elihlala njalo ngenyanga.

Ukwengeza, kukhona inketho yokudala i-akhawunti yokulondoloza inkokhelo yesikweletu kanye nolwazi lokukhokha. Le akhawunti ingafinyelelwa kumadivayisi amaningi, ezitolo zezinhlelo zokusebenza eziningi. Ukudala i-akhawunti kukuvumela ukuthi ube nesipele esivikelekile futhi imininingwane yakho itholakala ngokushesha uma uqala ukusebenzisa idivayisi entsha. Ukuphuma esikweletini kunzima, ngakho-ke sizama ukukuvumela ukuthi uthathe izinyathelo zengane eziya kulo mgomo.

Sikholelwa ukuthi ukukhululeka ezikweletini kudinga isiqalo esilula futhi siqinisekise ukuthi idola ngalinye lisebenza kahle. Isibali semalimboleko sinokufaka okuncane ukuze wenze ukuphatha imali yakho kube lula ukukulandela.

I-Debt Payoff Planner kanye ne-Calculator nayo isetshenziselwa ukulandelela izinkokhelo kanye nokubuyekeza isikhathi esimisiwe ukuze ungabi nezikweletu. Ulwazi lokukhokha lulula njengokuthayipha inani kanye nosuku inkokhelo eyenziwe ngayo. Umgomo wokulandelela inkokhelo ukubona intuthuko yakho ngokuhamba kwesikhathi futhi uqinisekise ukuthi uhlala ugxile ezinhlosweni zakho zezezimali.

Ngokungeziwe ekubeni umlandeleli wezikweletu kanye nesibali semalimboleko, izinhlelo zokusebenza zikhomba izinyathelo ezilandelayo ezingaba khona ngezindatshana ezigxile ekutheni ukhokha kanjani imali mboleko yabafundi, imali mboleko yezimoto, namakhadi esikweletu ngokushesha. Futhi, kukhona amathiphu mayelana nokudluliselwa kwebhalansi yekhadi lesikweletu kanye namasu okuqinisa izikweletu.

Izigaba eziyisishiyagalombili ezihlukene zemalimboleko ziyatholakala ukusiza ukuhlela nokubona isimo sakho esiyingqayizivele ngeso lengqondo:
💳 Amakhadi Esikweletu afana ne-Capital One, Citicard, Chase, njll.
🎓 Imalimboleko yabafundi efana ne-Navient, Sallie Mae, Great Lakes, njll.
🚗 Imalimboleko Yezimoto / Yemoto
🏥 Imalimboleko Yezokwelapha
🏠 Izimali ezibolekiwe njenge-Rocket Mortgage, i-SoFi, njll.
👥 Imalimboleko yomuntu siqu kubangani nomndeni noma abanye abantu
🏛️ Izintela ezifana ne-IRS noma omasipala bendawo
💸 Esinye isigaba singaba yinoma yini ukusuka emalini ebolekiwe kuya emalini ebolekiwe enzima

Ngokungeziwe ekubaleni kwebhola leqhwa lesikweletu kanye nendlela ye-Debt Avalanche, abasebenzisi abaningi bathanda ukuhlela izikweletu zabo ngokwezifiso. Lokhu ngokwezifiso kuyatholakala kubasebenzisi abafuna ukuba ngabaphathi bezikweletu zabo.

I-Debt Payoff Planner isekela inkokhelo ye-Debt Snowflake futhi. I-Snowflake Yesikweletu inkokhelo yesikweletu yesikhathi esisodwa evela ezintweni ezifana nebhonasi emsebenzini, imbuyiselo yentela, usuku lokukhokha olungeziwe, njll. Leli khono elingeziwe likuvumela ukuthi ube nokulawula okuqinile phezu kwedola ngalinye olibhajethi.