Changed: Debt Payoff Manager

Changed Inc.

Mayelana nalolu hlelo lokusebenza

Ingabe ufuna ukuchoboza izikweletu futhi ufinyelele enkululekweni yezezimali? Okushintshiwe yisisombululo sakho sakho konke ukuze uphathe, ulandelele, futhi uqede izikweletu kalula. Kungakhathaliseki ukuthi ubhekana nesikweletu sekhadi lesikweletu, imali ebolekiwe yabafundi, izikweletu zezindlu, noma amanye amabhalansi, Okushintshiwe kuhlinzeka ngamathuluzi nesisusa esidingayo ukuze ukhokhe okukweletayo ngokushesha kuyilapho wonga ngenzalo.


Kungani Khetha Okushintshiwe?

• Umphathi Wezikweletu Zonke-ku-One
Landelela izikweletu eziningi endaweni eyodwa—isikweletu sekhadi lesikweletu, imali mboleko yabafundi, imali mboleko yezimoto, izikweletu zezokwelapha, nokuningi. Bona yonke into ngokushesha kudeshibhodi yakho yomuntu siqu.

• Isibali Senkokhelo Yesikweletu
Thola ukuthi ukuqoqa ukuthenga kwansuku zonke noma ukwenza iminikelo eyengeziwe kunganciphisa kanjani umugqa wakho wesikhathi wokukhokha. Isibali sethu senkokhelo yezikweletu sikukhombisa ukuthi singakanani isikhathi nemali ozoyonga kuqhinga ngalinye—elilungele ukuqhathanisa i-Snowball vs. Avalanche nanoma yiluphi uhlelo lwangokwezifiso oludala.

• Amaqhinga Okukhokha Aguquguqukayo
Indlela ye-Snowball: Khomba amabhalansi akho amancane kakhulu kuqala, yakha umfutho, futhi uhlale ugqugquzelekile njengoba ukhipha izikweletu ngayinye ngayinye.

Indlela ye-Avalanche: Hlasela amabhalansi enzalo ephezulu kuqala ukuze wandise ukonga ngenzalo. Le ndlela ingasiza ekunciphiseni umugqa wakho wesikhathi wokukhokha ngokushesha okukhulu.
I-Snowflake Yesikweletu: Yenza izinkokhelo ezincane, zesikhathi esisodwa "Zokuthuthukisa" noma nini lapho ukwazi khona-konke okuncane kuyahlanganisa!

Uhlelo Lwezifiso: Hlanganisa futhi ufanise izindlela, noma uzenzele eyakho indlela ehlukile eya enkululekweni yezikweletu.

• Izinkokhelo Ezizenzakalelayo Nezifinyezo
Xhuma i-akhawunti yakho yasebhange futhi uqoqe ngokuzenzakalelayo ukuthenga kwansuku zonke. Lawo masenti ayisipele aya ngqo esikweletini sakho, ngakho wehlisa okukweletayo ngaphandle komzamo owengeziwe.

Phatha futhi Ulandele Izikweletu Eziningi
• Isikweletu Sekhadi Lesikweletu (Capital One, Citicard, Chase, njll.)
• Imalimboleko Yabafundi (Navient, Sallie Mae, Great Lakes, njll.)
• Izikweletu Zezindlu (I-Rocket Mortgage, i-SoFi, njll.)
• Imalimboleko Yezimoto/Imoto
• Izikweletu Zokwelashwa
• Imalimboleko yomuntu siqu
• Izikweletu Zentela (IRS noma omasipala bendawo)
• Noma yiziphi Ezinye Izikweletu ofuna ukuzikhokha ngokushesha!

Bona ukuthi Ungalondoloza Malini
• Imibiko enemininingwane yenqubekelaphambili
Isibali sethu senkokhelo yezikweletu namashadi enqubekelaphambili akusiza ukuthi uhlale ukhuthazekile. Landelela ukuthi zonke izinkokhelo ezengeziwe ziyehlisa kanjani ibhalansi yakho nenzalo ngokuhamba kwesikhathi.

• Ukonga Enzalweni
Ngokusebenzisa indlela yokukhokha ye-Avalanche, ungakwazi ukubhekana nebhalansi enenzalo ephezulu kuqala, ukhiphe iminyaka ohlelweni lwakho lokukhokha futhi wonge amakhulu—noma izinkulungwane—zamadola enzalo.

Thuthukisa Izinkokhelo Zakho
• Iminikelo Ehleliwe
Misa ukudluliselwa okuncane, okuphindaphindiwe-njengo-$10 isonto ngalinye noma $1 usuku ngalunye-ukuze uhlehle kancane esikweletini sakho ngaphandle kokuzwa ingcosana.

• I-Round Up & Snowflake
Hlanganisa ama-spare-change round-ups kanye nezinkokhelo ze-Snowflake ukuze ube nomthelela omkhulu nakakhulu. Konke okuncane kubalwa ohambweni lwakho lokungabi nezikweletu!

Qapha Isikolo Sakho Sesikweletu
• Hlala Unolwazi
Gcina umbhalo walokho amaphuzu akho esikweletu njengoba wehlisa amabhalansi asele futhi wakhe isisekelo sezimali esiqinile.

• Imibono Engenzeka
Finyelela amathiphu neziphakamiso zemikhuba enempilo yekhredithi ukuze ikusize uzuze (futhi ugcine) isikolo esingcono.

Shicilela Imali Yami
• Ukulondoloza Okuzenzakalelayo
Ingabe ufuna ukwakha isikhwama sezimo eziphuthumayo noma ulondolozele ukuthenga okukhulu ngenkathi ukhokha isikweletu? Nikeza ingxenye yomjikelezo wakho ku-Stash My Cash futhi ukhulise ukonga kwakho ngokuhambisana.
• Ukwabiwa Okuguquguqukayo
Nquma ukuthi yimalini eya esikweletini sekhadi lesikweletu noma ezinye izibopho nokuthi ufuna ukuyibeka emalini ekongeni.

Imiklomelo Nezinsiza
• I-PERKS eshintshiwe
Zuza amaphoyinti, amabhonasi, neminye imiklomelo yokufinyelela izinyathelo ezibalulekile ohambweni lwakho lokungenazikweletu.
• Imfundo Yezikweletu
Thola ukufinyelela kumikhuba emihle nama-athikili ngokusebenzisa i-Snowball, i-Avalanche, noma indlela yangokwezifiso ukuze uhlale unolwazi futhi ugqugquzelekile.
• Uhlelo Lokudlulisela
Mema abangani, basize nabo banqobe izikweletu, futhi nijabulele izinzuzo ezengeziwe ndawonye!

Joyina Izinkulungwane Ezikhokhe Ngaphezu Kwe-$60M Esikweletini
Amalungu ashintshiwe ngokuvamile onga u-$60–$70 ngenyanga ngokuhlanganisa nje ushintsho oluyisipele. Ngesibali senkokhelo yesikweletu, izinkokhelo ezizenzakalelayo, namasu afakazelwe njenge-Snowball ne-Avalanche, ungaqala ukulondoloza ngenzalo namuhla.

Yini entsha

Hey Squirrel Squad
We searched long and far...
found some bugs ...
and kindly asked them to leave!

RIP Debt!