Dit is amper tyd vir Kersfeesvieringe om te begin. En, gegewe dat jy, jou mede Suid-Afrikaners en die res van die w\u00eareld steeds finansieel uitputtende uitdagings in die gesig staar, is dit vanselfsprekend dat jy \u2019n blaaskans wil h\u00ea en die feestyd wil geniet sonder om jou oor enige geldsake te bekommer. <\/p>\n\n\n\n
Is dit egter die moeite werd om addisionele, Kersfeesverwante \u201cslegte\u201d skuld (duur geskenke, hope Kersversierings, ekstra reis- of kosuitgawes waarvoor jy nie behoorlike begroot het nie) vir die feestyd aan te gaan? En, kan jy werklik wegskram van wat dit jou sal kos, buiten alles wat jy onlangs moes aanpak? Onthou: enigiets wat jy ekstra op krediet koop, hoop op en is \u2019n \u201cgeskenk\u201d wat sal aanhou om jou van finansi\u00eble vryheid te beroof. Die enigste \u201cgee\u201d-aspek om \u201cslegte\u201d skuld by jou lys gewone finansi\u00eble verpligtinge te voeg, is om uiteindelik tot oorverskuldigheid by te dra. <\/p>\n\n\n\n
\u201cVolgens DebtSafe se 2022-navorsingsresultate is dit duidelik dat winkelrekeninge die soort skuld is waarmee verbruikers hoofsaaklik agterstallig is. Daarom moedig ek jou en die res van die Suid-Afrikaanse gemeenskap aan om nie toe te laat dat die \u201cGrinch\u201d, ook bekend as \u201cslegte\u201d skuld, jou toekomstige finansi\u00eble pogings laml\u00ea nie. Aangesien dit die seisoen van gee is, gee jouself en jou gesin \u2019n kans op \u2019n veilige, volhoubare finansi\u00eble toekoms. En, omdat skuld nog jare by jou kan spook, vermy liewer enige ekstra Kersinkopies hierdie feestyd,\u201d beklemtoon Neil van der Walt, bemarkingsbestuurder by DebtSafe. <\/p>\n\n\n\n
Wat presies is \u201cslegte\u201d skuld en hoekom moet jy dit eerder hierdie feestyd vermy? <\/p>\n\n\n\n
\u201cSlegte\u201d skuld is krediet wat:.<\/span> Gebruik word vir items wat nie blywende of langtermynwaarde het nie,.<\/span> weining doen om jou finansi\u00eble posisie te verbeter, .<\/span> jou rykdom verminder,.<\/span> geneig is om ho\u00ebr rentekoerse as ander\/\u201cgoeie\u201d skuld te h\u00ea (\u201cgoeie\u201d skuld is die teenoorgestelde van \u201cslegte\u201d skuld en is krediet wat jy gebruik vir sinvolle beleggings wat kan help om jou welvaart op te bou of jou inkomste oor tyd te kan verhoog. Dink aan \u2019n studielening, huislening of voertuigfinansiering).<\/p>\n\n\n\n Voorbeelde van \u201cslegte\u201d skuld: .<\/span> Kredietkaarte (wat tydens Kersinkopie-uitstappies gebruik word),.<\/span> persoonlike lenings (\u201cskuldherwinning\u201d, wanneer jy \u2019n lening aangaan om ander\/nuwe skuld af te betaal (byvoorbeeld vir nie-beplande Kersgeskenke),.<\/span> tydelike lenings,.<\/span> betaaldag-\/kontantlenings, of<\/p>\n\n\n\n ? Kettingwinkel-\/klererekeninge (wat gebruik word tydens \u201ckoopterapie\u201d-uitstappies).<\/p>\n\n\n\n Gaan hierdie Kersseisoen eerder voort met \u2019n behoorlike, persoonlike skuldbestuursplan en hou by jou Kersbegroting. Jy kan it s\u00f3 doen1.<\/b> Maak seker wat jou finansi\u00eble situasie weerspie\u00ebl en wat die bedrag van jou algehele skuld is \u2013 het jy onlangs deur \u2019n paar van jou bankstate geloer, jou skuld-tot-inkomste-verhouding bepaal en jou kredietrekord nagegaan? Maak seker jy weet wat in jou geldsake aangaan en watter \u201cslegte\u201d skuld om te vermy en so gou moontlik uit die weg te ruim \u2013 dit kan die waarskuwingsteken wees wat jy nodig het om enige feestelike besteding hok te slaan. 2.<\/b> Hou by jou toegekende Kersbegroting \u2013 buiten jou Desember-begroting (inkomste minus uitgawes = surplus\/minus totaal) moet jy ook die begrotingsbedrag insluit wat jy beskikbaar het vir enige Kersfeesverwante besteding. Onthou \u2013 dit is die \u201cgeskenk van herinnering\u201d-seisoen wat nie noodwendig in jou geld gereflekteer\/omgesit kan word nie (of, terloops, die bank se geld, met ander woorde, skuld). 3. <\/b>Stel jou inkopie- en voorraadlys op en hou daarby.4. <\/b>Moenie (aanlyn of in die winkels) rondsnuffel nie. 5. <\/b>Hand-\/tuisgemaakte geskenke is duisende in sentiment werd \u2013 gebruik wat jy beskikbaar het (of wat jy vaardigheidsgewys kan aanbied). 6. <\/b>Gaan deur die winskopierakke by winkels en maak seker jy koop net wat jy nodig het, \u00e9n as dit teen afslag aangebied word. .<\/span> Een laaste wenk wanneer dit by suksesvolle skuldbestuur kom (en om bykomende \u201cslegte\u201d skuld op jou stapel te probeer verhoed): Dit is belangrik om voortdurend aan jou persoonlike skuldbestuursplan te werk. Doen altyd \u2019n bekostigbaarheidsbepaling voordat jy enige skuld aangaan (selfs Kersfeesskuld), want dit sal jou help om vas te stel of die skuld nie meer nadelig vir jou situasie is nie. <\/p>\n\n\n\n Moenie toelaat dat \u201cslegte\u201d skuld die pretbederwer word wat jou feestyd, of enige toekomstige Kersfees, verwoes nie. <\/p>\n\n\n\n \u2019n Gese\u00ebnde Kersfees gaan nie oor hoeveel geld jy bestee nie; dit gaan oor die mense saam met wie jy gehaltetyd deurbring. So, op daardie noot, moenie die \u201cslegte\u201d\u2019 skuldfoute van \u2019n vorige Kersfees herhaal nie. Bron: DebtSafe, \u2019n gereguleerde maatskappy met geregistreerde skuldberaders. <\/i><\/p>\n","protected":false},"excerpt":{"rendered":" Dit is amper tyd vir Kersfeesvieringe om te begin. En, gegewe dat jy, jou mede Suid-Afrikaners en die res van die w\u00eareld steeds finansieel uitputtende uitdagings in die gesig staar, is dit vanselfsprekend dat jy \u2019n blaaskans wil h\u00ea en die feestyd 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