Ukunyuka kwekhadi lakho lesikweletu kulula. Uhamba kwisitoreji, uzimisele ngokupheleleyo ukufumana into eyodwa, kwaye ngaphambi kokuba wazi, usuchithe amaxesha angama-10 owakucwangcisile. Ukujongana nemiphumo ye-overspending ayiyolonwabo naluphi na ulwahlulo lwengcinga. Ukuqhubela phambili kukukhokelela kwiibhalansi ezinkulu ezinokulimaza amanqaku akho okwekhredithi , yenza kube nzima kwaye kubiza ukuhlawula ibhalansi yakho, kwaye ufumane ityala.
Emva kokugqithisa imali, kufuneka ujamelane nokunyaniseka kwento oye wayichitha kwaye ulungelelanise imali yakho ukuze wenze ukulungelelana kwakho kwengozi.
Iindaba ezilungileyo unayo ukulawula ngokupheleleyo ukusetyenziswa kwekhadi lakho lesikweletu kunye nesicalulo, unokuphepha ukugqithisa imali.
Musa ukulibala ukuba kufuneka uyihlawule
Ngamakhadi-ngetyala, kukho ukukhutshwa phakathi kokuthenga kwakho kwaye ngokwenene ukuhlawula ukuthenga kwakho okungaqinisekanga ukuba usebenzisa imali. Awuyiva intlungu yentengo ngendlela oya kuyenza ngayo xa usebenzisa imali, yenye yezona zizathu ukuba abantu bavame ukuchitha imali ngamakhadi-mboleko.
Olu tyekelo lwaboniswa kwiphononongo ka - 2001 eyenziwe nguDrazen Prelec noDuncan Simester we-MIT's Sloan School of Management. Uphononongo lufumene ukuba inxaxheba ikulungele ukuhlawula ngaphezulu ukuthengwa, ngokukodwa ithikiti kumdlalo webhoksikidi, xa basebenzisa amakhadi ekwerekhwa ngemali.
Kukho i- intanethi ethile engayisebenzisiyo ngamakhadi-krediti avuselela imali. Ngama-1980, uchungechunge lweemvavanyo olwenziwa nguRichard Feinberg lubonise ukuba ubukho beempawu zekhadi lesikredithi zakhuthaza abathengi ukuba bachithe ngaphezulu. Kufana nelogos ziyinkokhelo yokuchitha imali, njengendlela inja zikaPavlov zaqala ukulindela ukutya xa ebetha intsimbi.
Gwema ukucinga ngekhadi lakho lekhredithi njengemali yamahhala, ukhumbule ukuba uza kuhlawula nayiphi na into oyithengayo. Gcina uxanduva lwakho kwizinto ozichithayo kwikhadi lakho lesikweletu, uchithe njengokuba usebenzise imali.
Khawucinge nge-Balance yakho yangoku ayikho i-Credit Your Limit
Ukuba uye wakwenza kakuhle i-credit yakho kwaye unemivuzo enhle, umnikeli wakho wekhadi lokuthenga ngetyala uya kukuvuza ngomlinganiselo omkhulu weentengo zemboleko. Akufanele usebenzise lonke i- credit yakho ekhoyo ngenxa yokuba ikhona. (Ukusebenzisa imali eninzi kakhulu kunokuchaphazela kakubi amanqaku akho ekhredithi.) Nangona i-kredithi efumanekayo ithengisa amandla akho okuthenga, ukuba nomlinganiselo omkhulu wemali-mboleko awufani nokuba nemali eninzi ebhankini.
Ekubeni ukuhlawula ibhalansi yakho ngokupheleleyo yindlela efanelekileyo yokuphepha ekubeni ungene ematyaleni amaninzi, vumela ukuba ibhalansi yakho yangoku ithintele indlela ochitha ngayo. Beka yakho imali yokuchitha imali yamakhadi e-credit card esekelwe kwingeniso yakho kunye nezinye iindleko, kungekhona kuphela kumda wakho wesikweletu. Qaphela ukulinganisela kwekhadi lakho lesikweletu , kungekhona nje i-credit card yakho, ukuqinisekisa ukuba awugqithanga umda wokuchitha ukhethe ngokubhekiselele kwinto onakho ukuyihlawula.
Unokucela umnikeli wakho wekhadi lokuthenga ikhredithi ukuze unciphise umda wakho wekhredithi ukuba uya kukunceda ugcine imali yakho yekhadi lesikweletu.
Yilumke i-Juggling Multiple Credit Cards
Ngokuqhelekileyo, iikhadi elinamakhredithi azinayo, kulula ukulichitha imali. Amakhadi eematyala amaninzi akwandisa inani lekhredithi elifumanekayo kunye namathuba okuchitha imali. Amakhadi amaninzi eetyala afuna ukuba ulawule izikali zakho phakathi kwazo zonke iikhadi zamatyala kwaye ugcine ulumkiso ngokugcina izilinganiso zakho ezidibeneyo kwimida yakho yokuchitha imali.
Kunzima ukuthetha ukuba mangaphi amakhadi ekwereti aninzi , kodwa ngenxa yabantu abaninzi, ikhadi elilodwa lekhredithi lanele. Xa ulingeka ukuvula ikhadi elitsha lekhredithi, cinga ukuba kutheni unomdla. Ngaba ukufumana ezongezelelweyo iimpahla, ukulawula kakuhle imali yakho, okanye ufuna iindlela zokuchitha imali engaphezulu?
Yishiye Imvakalelo Yakho Kuyo
Uvavanyo luka-2008 "Ubunzima Bungekho Ngamahloni: Abadabukileyo kunye nabazimeleyo bachitha kakhulu" babonisa ukuba abathengi basebenzisa ixesha xa bebuhlungu.
Kwisifundo esixhasiwe yiSizwe soSayensi seSiseko, izifundo ziboniswe kwisiqeshana esibuhlungu okanye isiqeshana esingathathi hlangothi. Ukulandela isiqhotyoshelweyo izifundo zivunyelwe ukuthenga. Abo babonakaliswe i-clip ecasulayo bekulungele ukuhlawula ngokuphindaphindiweyo ama-300 ngokuthenga kwabo. Kungenzeka ukuba abathathi-nxaxheba bebengakwazi ukuba izigqibo zabo zithintela njani izigqibo zabo zokuchitha.
Ukuxinezeleka, ukudabuka, umsindo, umona, kunye nokunyamekela konke kunokukhokelela ekugqithiseni imali. Ukuba uphelelwe ngumsindo, hlela kwakhona ukuhamba kwintengiso uze ube nemvakalelo engcono ukuze iimvakalelo zakho zingabangela ukuba uchithe imali.
Sebenzisa iKhadi lakho leKhadi kuphela kwizinto onokuzithenga ngazo
Lo mgaqo ungabonakaliyo kubasebenzisi abaninzi bekhadi lesikweletu. Abantu bavame ukucinga ukuba amakhadi ekwereta ayenokuthenga izinto abazikwazi ukuzenza. Esi sizathu sezizathu ezininzi kangangokuba abantu abaninzi banetyala phezu kweentloko zabo - baye basebenzisa amakhadi esikweretheni ukuze bathengise ngamandla abo ukuthenga amandla. Sebenzisa ikhadi lakho lokuthenga ngetyala ngokuthenga kwakho ukuba wenze njalo, kungekhona izinto ongeke uthenge ngazo ngenxa yokuba awukwazi ukuzithengela.
Vumela Iinjongo Zakho Zemali Zikhokele Ukuthatha Iingxelo Zakho Zokuchitha
Ukusasaza kuya kuphantse kukuthintela kwiinjongo zakho zemali. Impembelelo ayinakufumaneka ngokukhawuleza okanye ngokukhawuleza, kodwa ukugqithisa okukhulu kakhulu kuya kuthintela inkqubela yakho kwiinjongo zakho zokuhlawula ityala, ukwakha imali okanye ukuhlala umhlala-phantsi. Cinga malunga nalapho ufuna ukufumana imali kwi-5, 10, 15 ne-25 ezayo. Njengoko ujamelana nokusetyenziswa kwezigqibo, qwalasela ukuba ukhetho lwakho lunokukunceda ukuba ufinyelele iinjongo zakho zemali.
Shiya amakhadi akho ekhaya
Akukho khadi lekhredithi, akukho nkunkuma, akunjalo? Ilungelo lakho lingaze lomelele ngokwaneleyo ukunqoba abantu abathengisa izigidi zeentengiso zama dollar. Thatha ikhadi lakho lekredithi kuphela xa uthengisa injongo ethile-ukuthenga ukutya (kunye nohlu) okanye ukuthenga into entsha. Ngaphandle koko, usengozini usebenzisa ikhadi lakho lekredithi ukuxhasa ukuthenga okungenakulungiswa.
Ukuba unamathele kwikhadi lokuthenga ngetyala, kufuneka ulawulwe le meko. Faka iikhadi lakho lekredithi kude kube lula ukuba uqeqeshwe ngakumbi kunye nekhadi lakho lekhadi. Le nto yinto efanelekileyo ukuyenza ukukhusela i-credit yakho kunye nexesha lakho leemali ukuphoqa ukuba usebenzise kuphela imali kunye namakhadi okukhawuleza kunokukunceda ukuba ugweme iingxaki ezivela kwi-overspending ngekhredithi.