Uyazi ukuba ityala lakho likhuphuka, kodwa awukwazi nje ukuyeka ukusebenzisa amakhadi akho ekwereta. Kulula ukukhula kuxhomekeke kumakhadi-ngxowa ngokuthenga iimvakalelo kunye neendleko zansuku zonke. Kodwa, ukuba uqala ukugxina kwityala lakho , kufuneka uyeke ukusebenzisa amakhadi akho ekwereta phambi kokuba ityala lithathele phantsi.
01 Vala.
I-"ngaphandle kwamehlo, ngaphandle kwengqondo" indlela ingaba yinto yokusebenzela yona. Faka iikhadi lakho lekredithi kwindawo ethile eyenza umzamo wokuba ufumane--kukhuselekileyo, ifayile yekhabhinethi, phantsi kweendawo zokuhlamba. Ukugcina amakhadi wakho ekwereta ekufikeleleni kwakho ngokukhawuleza kuya kunceda ukulawula "isidingo" sakho sokuwasebenzisa. Abanye abantu baze bafake amakhadi abo esikhredithi kwisitya samanzi ukuze amakhadi angabikho.
02 Vala.
Enye ifowuni kumnini-khadi wakho konke okufunekayo ukuze kungabikho ikhadi lakho lekredit. Unokuthulisa ngokulula umnqweno wokuba usebenzise ikhadi lakho ngokucinga ngeentloni ozakuziva xa unobhala uthi ikhadi lakho lesikweletu liphihliwe. Ukuvalwa kwamakhadi ekhredithi kunokuba nefuthe elibi kumanqaku akho ekwereta, ngoko qiniseka ukuba awuvali ikhadi ofuna ukushiya livulekile. Nangona kunjalo, kungcono ukuvala ikhadi lakho lekhredithi kwaye uhlasele isikhephelo sekredithi kwisigxina kunokuba ungene ematyaleni ekuzama ukugcina amanqaku akho.
03 Shishani.
Abafaki bezikhundla base-Ofisi basebenza ngokunjalo kwincinane yeplastiki njengoko yenzayo kumaphepha akho. Ukuba ikhadi lakho lekhredithi liqhekeza, akukho ndlela ongayigqiba ngayo. Awunayo i-shredder? Izikrele zisebenza ngokunjalo. Yinqumle ikariti ibe ngamaqhekeza amancinci ukwenzela ukuba inombolo yekhadi lesikweletu ayinakucingelwa ngamasela.
04 Bayeke ekhaya.
Thatha amakhadi akho esikweleti ngaphandle kwesikhwama sakho ngaphambi kokuba uhambe. Ukuba ufumana into yokufuna ukuthenga into ethile, uya kufuneka usebenzise imali okanye ubuyele kwento xa unayo ikhadi lakho lekhredithi.
05 Ukutshatyalaliswa unyango.
Ngaba wakha wacinga ngemali oyisebenzisayo ngomdla ngamnye ngonyaka? Okanye ubude bexesha kuya kuthatha ukuhlawula amakhadi akho ekwereta? Ngamanye amaxesha amanani aya kukutshitshisa ukuba ufake iakhadidi zekredithi ngokulungileyo. Ibhalansi eyi-1 000 kwi-14% iya kuthatha iminyaka engama-4/2 ukuhlawula xa wenza iirekhodi ezingama-25 ngenyanga. Uyakuhlawula i-$ 347.55 yemali ngexesha lokuhlawula imali.
Izitatimenti zekhadi lokuthenga ngetyala zibandakanya inani lemali oye wahlawula kulo nyaka kunye nemali enomvuzo oya kuhlawula ukuba wenza nje intlawulo encinci. Unokuthi ungabiza ezinye izinto ezininzi onokuzithengela kunye nomdla odibeneyo kuzo zonke iikhadi lakho lekredit.
06 Zizuze.
Ukuqiniswa okulungileyo kuhamba ixesha elide ekwakheni umkhwa. Siyisebenzisa kunye nezingane zethu kwaye xa siqeqesha izilwanyana zethu. Kutheni ungayisebenzisi nathi? Kwiveki nganye ukuba awusebenzisi ikhadi lakho lesikweletu, ziphatheka kwinto oyithandayo kodwa ungaqhelekanga ukuba uzivumele. Gcina ukuphatha kwakho ekupheleni kwexabiso elingenasisiswanga / ukukhululeka ukuze ungacasuli imali yakho yenyanga.
07 Ukuzilawula komdala.
Ukukwazi ukuzixelela ukuba "hayi" isakhono esingaphaya kokusebenzisa amakhadi esikweletu. Ukuzimeya okufanayo okukufumana ukusebenza kwixesha nganye kusasa kungasetyenziselwa ukuyeka ukusebenzisa amakhadi wakho ekwereta. Cinga kabini ngokutshiza ikhadi lakho lesikweletu njengokuba ucinga ngokuphindaphindiweyo ngokunyanzela ukunyusa ixesha elilodwa.