Abantwana abaninzi kunye nentsha banomdla kwi-card yokuthenga ngetyala, kodwa kaninzi ngenxa yezizathu ezingafanelekanga.
Ukulwa neengcamango zabo ezingalunganga kusenokwenzeka kwaye banokuthi babe ngabasebenzisi bekhadi lokuthenga ngetyala xa kufika ixesha.
Amakhadi a matyala angaba yinto efanelekileyo xa asetyenziswa ngokuchanekileyo. Nangona kunjalo, banokutshabalalisa ubomi bakho bezezimali, ukwenza ezinye iinkalo zobomi zibe nzima nakakhulu. Ukuba uvakalelwa kukuba awukwazi ngokwaneleyo ngamakhadi ekhredithi ukuze ufundise umntwana wakho, bhuqa kuqala. Kuya kubakho ininzi yezixhumanisi apha ukuze ufunde kabanzi.
Liliphi ixesha elifanelekileyo? Xa umntwana wakho eqala ukubuza, okanye ekufikeni kwabo abaselula. Ngaphambi kokuba uqale ukuthetha ngamakhadi-ngetyala, qiniseka ukuba umntwana wakho uyaziqonda kakuhle iingcamango zemali ezisisiseko. Yenza umntwana wakho athole amava achitha imali yakhe, umzekelo, kwisibonelelo, umsebenzi wesikhewu okanye ukwenza imisebenzi. Unokubakhokelela ukuba babole imali kuwe ngamaxesha ambalwa ukubonisa indlela yokuboleka imali.
Izifundo ezibalulekileyo ukufundisa umntwana wakho ngamakhadi ekhredithi.
Isifundo 1: Akuyona imali yakho, kufuneka uyihlawule. Akukho nto, kwaye ixesha elide kuthatha ngakumbi ukuba libiza.
Into ecacileyo malunga namakhadi ekhredithi kukuba umntwana wakho usebenzisa imali yomnye umntu.
Ngekhadi lekhredithi, ibhanki ivumele ukuba umnikazi wekhadi abole imali ethile ethile ngokugqithiseleyo xa ibuyiselwa. Ibhalansi inokubuyiselwa konke ngexesha okanye ngexesha elide, kodwa xelela umntwana wakho ukuba kuthatha ixesha elide ukuhlawula ibhalansi, inzala eninzi iya kuhlawulwa .
Isifundo 2: Akufanele uxhomekeke kwikhadi lakho lesikweletu .
Ngenxa yokuba amakhadi enkoleko kunye namakhadi okukhawuleza afana ngokufanayo, umntwana wakho unokukhula ukuba usebenzise ikhadi lakho lesikweletu ngokuthenga kwakho konke.
Fundisa umntwana wakho ukuba i-akhawunti yabo yokujonga, ephethe imali abayifumene nayo, kufuneka ibe yindlela yabo ephambili yokuhlawula izinto, nokuba nezinto ezinkulu. Ukuba baqala ukuthembela kwikharityhulam yabo yematyala ngezinto eziqhelekileyo ezifana nokutya kunye negesi, luphawu lweengxaki ezinkulu zemali.
Isifundo 3: Kukho umda kulowo onokukuthenga kwikhadi lekhredithi .
Abaniki bamakhadi abemali- mboleko banamathele umda wemali- mboleko- inani eliphezulu lomnini-khadi angakwazi ukuhlawula. Mcebisa umntwana wakho ngokuchasa izilinganisi ezinkulu kuba oko kuya kubagcina bengakwazi ukusebenzisa ikhadi lekhredithi xa kukho into ebalulekileyo ephakamileyo.
Ukugcina ibhalansi ephantsi kwekhadi lesikweletu kukuxanduva olukhulu kuba kulula ukuhlawula kwaye unceda ukwakha umlando wekhredithi engcono. Ubhalansi obungaphantsi kwe-30% yomda weekhredithi ulungile. Bonisa umntanakho ukuba abale ibhalansi yekhadi lekhredithi elifanelekileyo ngokuphindaphinda umda wabo wesikweletu nge .30.
Isifundo 4: Umboleki wakho akalungile kunye nawe ulahlekelwa iintlawulo .
Abazali banomlinganiselo ongapheliyo wokunyamezela kunye nezingane kunye nezingane zisoloko zithatha. Abantwana kufuneka bafunde ukuba wonke umntu akayi kuba nesigulane kubo, ingakumbi asomashishini kwaye ngakumbi xa kuthengwa ngemali.
Cacisa umntwana wakho ukuba umnikeli wekhadi lokuthenga ngetyala-mboleko angeke angqongqoze emnyango wakho ukuba ngaba ulahlekelwa intlawulo okanye iintlawulo ezininzi, kodwa baya kuhlawula iirhafu, biza ikhaya lakho, bathumele iileta, kwaye banike ingxelo ngokukhawuleza kwiintlawulo ze- credit. vumela abanye abathengi ukuba bazi malunga nokuhlawula imali.
Ekugqibeleni, ababolekisi banokugqiba ukutshutshisa ibhalansi yekharityhulam engakhokhelwa, kungakhathaliseki ukuba yimali.
Ukuba ubhaliswe kwikhadi lekhredithi kunye nezingane zakho , qiniseka ukuba bayaqonda ukuba uphinde wagwetywa ngenxa yokuziphatha kakubi kwekhadi lesikweletu. Kwaye, njengababolekisi, awuyi kuba nomonde ngenxa yokuba i-credit yakho isemgceni. Yiba nemingcele ephosakeleyo-enye inkokhelo engabikho, enye yokuthengiselana kwemida-kwaye i-akhawunti ivaliwe kakuhle.
Isifundo sesi-5: Musa ukuvumela abahlobo bakho (okanye i-tv, intanethi, i-rediyo, abasebenzi beevenkile, njl.) .
Ukutshintsha kweempembelelo kuyo yonke indawo ngoko sonke kufuneka sibe nokulawula kokukhetha kwethu, kunye nekhadi lesikweletu. Fundisa umntwana wakho ukuba enze izigqibo ezichanekileyo zokusebenzisa imali kunye nendlela angakhohliswa ngayo iintengiso ezilahlekisayo. Emva koko, bahlawula umrhumo-mthetho, abahlobo okanye abazalwana kwaye ngokuqinisekileyo abanomathotholo kunye nabathengisi beTV.
Isifundo 6: Iingcamango ziya kukulandela iminyaka ezayo .
Iimpazamo zekhadi lokuthenga ngekhredithi zinzima ukulungisa kwaye emva kokuba zilungiswe, iimpazamo ziyasilandela iminyaka emininzi.
Imiphumo embalwa yeepaliti zekhadi lesikweletu: ingxelo yokukhwabanisa ngetyala kunye namanqaku ekhredithi okonakalisiweyo. Xa kufike ixesha lokufumana umsebenzi, umqeshi uhlola ingxelo yengxelo yengxelo yomntwana wakho, ubona ezo mpazamo aze agqibe ukuqesha umntu onomlando wecredit. Okanye, umntwana wakho angazama ukuhlawula indlu yakhe yokuqala kwaye umninindlu uyamguqula ngenxa yesikweletu sekhadi lesikweletu. Ixesha lokuthenga imoto, kodwa umntwana wakho akakwazi ukufumana mboleko efanelekileyo ngenxa yeengxaki zakho zemali ezidlulileyo.
Amakhadi esikwereti angabonakala engabalulekanga, kodwa indlela esiwasebenzisa ngayo inefuthe elikhulu kwiinkalo ezininzi zobomi bethu.
Isifundo 7: Ulungisiwe .
Wonke umboleki oboleka imali, ubuncinane ngeziko lemali, unomyinge wekhredithi . Amanqaku ekhredithi asekelwe kwingxelo yengxelo yekredithi, uxwebhu olubandakanya umlando wekhadi lomntanakho. Inguqu eyaziwayo kakhulu yamanqaku eebredithi ukusuka kwi-300 ukuya ku-850 kunye nezikolo eziphezulu zamatyala ziba ngcono. Ukujongana nekhredithi kuya kubangela "ibakala" elingcono.
Kukho iphuzu lokuba nomlinganiselo omhle weebhanki. Umlinganiselo wekhredithi olungcono uza kunceda umntwana wakho afanelekele ukufumana amanani entengo engcono, avunyelwe ukubolekwa ngemali mboleko kwixesha elizayo, ukuhlawula iifom zokhuseleko ezincinci kwiinkonzo zesevisi, kunye nokuphucula amathuba okufumana ezinye izicelo ezijoliswe kwii-credit.
Isifundo 8: Sebenzisa kuphela ikhadi lakho lekhredithi ukuba unokukwazi ukuyihlawula .
Oku kuya kuba yinto echasene ngqo nayo yonke into umntwana wakho aye wacinga ngayo ngamakhadi-mboleko. Ukwenza iindleko ongeke ukwazi ukuhlawulwa zikhokelela kwezinye iingxaki zekhadi lesikweletu: iintlawulo zekhadi zekredithi ezingabikhoyo, iimali ezifihlakeleyo, inzala ephakamileyo kunye nomlinganiselo ombi wekhredithi. Umntwana wakho kufuneka abe nomkhwa wokucinga malunga neengeniso zabo kwixa elizayo ngaphambi kokuba athenge amakhadi ekhredithi. Ukuba wena, umzali, awuyi kubhalela umntwana wakho ngeefoto zekhadi lamatyala, mabazise ngaphambili kwaye banamathele kwigama lakho. Abantwana abaninzi banokuthi banembopheleleko ngemali yabo xa bebazi umama kunye nobaba akayi kugubungela iimpazamo zabo.
Xa umntwana wakho enekhadi lekhredithi, jonga kunye nabo rhoqo emva kwexesha ukuba ubone ukuba izinto zihamba njani kwaye uphendule nayiphi na imibuzo, ubuncinane ekuqaleni. Qinisekisa ukuba unikezela iimpendulo ezichanekileyo okanye ubaxelele kwizixhobo eziza kunika ulwazi oluchanileyo.