Ukukhawulwa kwamakhadi ekhredithi kunokuchaphazela kakubi amanqaku akho. Ukuba uthembele kwiikhadi lakho lokuthenga ngetyala ukwenzela ukuhlawula iindleko zakho zenyanga, kuza kuza iphuzu xa ukhankanya yonke inkokhelo yakho ekhoyo. Ingaba ngumngeni omkhulu kuba uza kuba neentlawulo zenyanga zemali ngaphezu kweendleko zakho eziqhelekileyo. Ukuba usondelene nokukhupha amakhadi akhokredari kufuneka ulungise ingxaki ngokukhawuleza njengoko unako. Le ngxaki enkulu kwaye ukuba into enye ihamba kakuhle, unokufumana ukuba awukwazi ukufaka iindleko zakho ezisisiseko. Oku kungaba ngumqondiso wezinto ezinzulu zokuchitha imali .
01 Ukubeka i-Budget Requirements Budget
02 Phambili kuqala oko uza kuhlawula
Kungaba nzima ukuhlawula ikhadi lekhredithi, kodwa ukuba ukhethe phakathi kokubeka ukutya kwitheyibhile yakho nokuhlawula i-bill card, kufuneka ukhethe ukutya. Ukuba ufike kwindawo apho ungacingi ukuba uya kuba nako ukuhlawula ezinye zeebhilikhwe zakho kufuneka uzinqumle kwimali yakho engeyomfuneko. Awudingi ukuhlawula umabonwakude xa unganakho ukuthenga ezinye iintlawulo. Ngokufanayo, unako ukurhoxisa ubulungu be-gym, kwaye uyeke ukuya kutya. Ukutya kwakho kufuneka kube yizinto ezisisiseko kwaye akufanele zibandakanye izinto ezintle. Unokunciphisa kwakhona iindleko zokusela utywala kunye neentambo zokuba uhlala kule meko.
03 Fumana iMali eyongezelelweyo yokuhlawula phantsi iiKhadi zakho zeMatyala
Fumana iindlela zokongeza inzuzo yakho. Ukuba ulapha kule meko, awukwazi ukwenza imali eyaneleyo yokuphila kwinyanga nganye, kwaye kuya kufuneka ufune isisombululo sesikhathi eside kwingxaki. Kusenokuthetha ukuba kufuneka ubuyele esikolweni okanye ufumane umsebenzi osebenzisa zonke izakhono zakho. Unokufuna ukufumana umsebenzi wesibini ukukunceda uhlambulule ityala lakho. Ukuba uhlahlo lwabiwo-mali luya kusebenza ngaphandle kokuhlawulwa kwetyala leyongezelelweyo, ke umsebenzi wesibini ukulungiswa kakuhle kwengxaki, kwaye unako ukuyeka xa ungekho matyala. Unako ukubamba ivenkile yokuthengisa okanye ukuthengisa izinto kwi-intanethi ukuphakamisa imali ukuhlawula amatyala akho.
04 Yenza isicwangciso sokuhlawula amatyala
Kufuneka udale isicwangciso sokuhlawula amatyala esiqinileyo esikuvumela ukuba ugxilise imali yakho ukuze uhlawule amatyala akho ngokukhawuleza. Okokuqala, uya kufuna ukufumana zonke iintlawulo zakho, kwaye ke kufuneka usebenzise nayiphi na imali eyongezelelweyo unetyala elinye ngexesha ukulihlamba ngokukhawuleza. Abanye abantu basebenzayo bevela kumatyala amancinci ukuya kunkulu; Abanye abantu basebenzayo ukusuka kwizinga eliphezulu lezala kumgangatho ophantsi. Unokwazi ukuba ngubani na onokukunceda kakhulu. Xa ugqiba ukuhlawula ityala elilodwa, uyadlulisela yonke imali owawuhlawula ityala elilandelayo kuloluhlu lwakho.
05 Qhagamshelana nababolekisi bakho
Unako ukubiza ababolekisi bakho kwaye ucele inzala engaphantsi. Ukuba awukwazi ukwenza intlawulo enye ngenyanga, ungaqhagamshelana nabo ukuba ubone ukuba bazimisele ukuxoxisana nemigaqo yokuhlawula eyahlukileyo. Xa wenza ezi ntlobo zamalungiselelo, uhlala uvala ama-akhawunti, kwaye awuyi kuphinda usebenzise amakhadi e-credit card, nangona usadingeka ukwenza iintlawulo zenyanga uze zihlawulwe. Ukuba unesibolekiso somfundi, unokuyibeka kwi-deferment ukuya kunyaka ukuvumela ukuba uzame ukufumana elinye ityala phantsi kolawulo. Ukuba ufanelekile, unokufuna ukudlulisela izilinganisi zekhadi lakho lesikweletu kumakhadi- mboleko ngamanani entengo ephantsi, kodwa kufuneka uyeke ukusebenzisa ezinye iikhadi lakho lekredithi xa ufuna ukuba oku kusebenze. Ungavali amakhadi akho okwereta uze uhlawule.
06 Ukwelulekwa ngetyala kunye nokuTyala kweMatyala
Ukunikwa iingcebiso ngeentengo kunye nokuhlawulwa kwetyala kukukhetha ukuba ngaba unenkcitho enzima ukwenza iintlawulo zakho. Isevisi yokunika iingcebiso ngekhredithi iya kukunceda ubeke uhlahlo lwabiwo-mali, kwaye uthathe intlawulo enye ngenyanga ukuba unike ababolekisi bakho. Baya kuxoxisana neentlawulo eziphantsi ezenzalo kunye nemigaqo yokuhlawula nabathengi bakho. Ukuhlawulwa kwematyala kuya kukunceda ugcine imali ukulungisa izikweletu ongazange uzihlawule kwiinyanga okanye iminyaka. Kufuneka ukhethe ngokukhethekileyo inkampani oyisebenzisayo ekubeni abaninzi bangenzi konke abakuthembisayo okanye bavale ngokukhawuleza baze bathathe imali yakho nabo. Unokwenza zombini kwezi zinto ngokwakho. Ukuba unjalo kule meko, kufuneka udale isicwangciso, ngoko awuyi kuphinda ubolekele, kuba kunzima ukufumana mboleko ngetyala elibi .