Ngoko nantsi into onokuyenza.
Iinkcukacha zilandele, kodwa amanyathelo ayisiseko ukufaka isiseko semali esomeleleyo kubandakanywa ingeniso epheleleyo kunye neengxelo zengxelo yokujonga i-akhawunti, fundisa umntwana wakho ukuba isebenze njani ngetyala, kwaye uncede ukuba bafumane amava ngamakhadi abo.
Ngaphambi kokuba umntwana wakho athathe iKhadi leMali
Yenza umntwana wakho athole umsebenzi . Umthetho ufuna abakhupheli bekhadi-mboleko ukuba bahlole ingeniso kubafaki-sicelo abangaphantsi kwe-21 ubudala . Ngaphezu koko, umntwana wakho udinga umthombo onokuthenjwa, onokuthenjelwa wokubuyisela ukulinganisela kwekhadi lesikweletu. Isibonelelo asibala. Ngaphandle kwengeniso yabo, umntwana wakho unokulindela ukuba uhlawule umrhumo wekhadi lokuthenga ngetyala ngeenyanga, ingakumbi ukuba uhlala uhlawula yonke into.
Nceda umntwana wakho avule i- akhawunti yokugcina okanye yokujonga . Ukuseka imbali ebalulekileyo yebhanki kunokunceda umntwana wakho akhiwe isiseko sezimali esinamandla, esona sakhiwo esiphezulu sokwakha i-credit score score. Umntwana wakho kufuneka ajwayele ukwenza iifom ehlala rhoqo kwiakhawunti yakhe.
Xa umntwana wakho ekhulile eneakhawunti yokutshekisha, bancede bafunde indlela yokusebenzisa ngokuhlakanipha baze bagweme ukukhishwa kwe-overdrafts okanye benqatshelwe iindleko zekhadi lokudibanisa.
Qinisekisa ukuba umntwana wakho ulungele ikhadi lekhredithi . Ingaba wayephethe kakuhle yakhe imali? Ingaba umntwana wakho wenza ixesha lokubuya kwaye udibana nezinye ixesha elide? Ulawula njani iakhawunti yakhe yokujonga?
Ingaba kufuneka akucele imali ukuze agweme imali engaphezulu? Ukuba umntwana wakho unamanye amabhili, ngaba ezo iindleko zihlawulwa ngexesha?
Ncedisa umntwana wakho ukuba aqonde amakhadi eetyala kunye nendlela i-credit isebenza ngayo ; a ba ngawazi. Qinisekisa ukuba ucacisa naziphi na iingcamango eziphosakeleyo malunga nendlela amakhadi ekwerethi asebenza ngayo kunye nendlela eyakhayo ngayo imali. Ngokuqinisekileyo qinisekisa ukuba umntwana wakho uyaqonda ukuba ibhalansi yekhadi lesikweletu kufuneka ibuyiselwe kwaye ngokukhawuleza, kungcono.
Ziziphi Iikhadi Zemali Ezifumanekayo Kubantwana Bakho?
Ngokufanelekileyo, umntwana wakho kufuneka akhiwe ngetyala ngegama lawo kuphela, usebenzisa i-akhawunti engayifuni ukuba ufake igama lakho kunye nekhredithi kumgca. Kukhohlakisayo kuba abaninzi abanokukhishwa ngamakhadi eemboleko bafuna abafaki-sicelo ukuba babe nembali yembali. Umntwana wakho unokuqala ngokufaka ityala kwi-bhanki okanye kwimanyano yekhredithi apho bebenayo i-akhawunti yokujonga. Umntu unokuba ngcono.
IKhadi lokuThengisa
Ikariti yekreditenti yokuthengisa enye inketho yekhadi yesikweledu eyenziwa ngumntwana wakho. Amakhadi enjongo enqamlekileyo ayaziwa ngokuvuma abafaki-zicelo abananto encinci okanye bengabikho mlando wekhredithi. Imingcele yemali-mboleko iphantsi, ijikeleze i-$ 300 okanye i-$ 500. Nangona kunjalo, amakhadi ekratshi athengisa inzala ephezulu. Ukuba umntwana wakho akayi kuhlawula ibhalansi ngokupheleleyo ngenyanga, baya kubahlawula iindleko eziphezulu zezemali.
Ukongeza, ikhadi lesikratshi yokuthengisa kwivenkile yomntwana oyintandokazi ingabakhokelela ekuhambeni kweefestile zokuthenga.
Ikhadi leMatyala eliKhuselekileyo
Enye ikhedi yokuthenga ngetyala . Kufana nekhadi lekhredithi rhoqo, ngaphandle kokuba lifuna ukukhutshwa kwekhuseleko kumlinganiselo wesikweletu. Amanye amakhadi eitaliti aqinisekisiwe avumela idizithi encinci ye-$ 200. Unokukunceda umntwana wakho athole ikhadi lekhredithi elikhuselekile ngokuhambelana nokugcinwa kwezokhuseleko.
Unokwenza umlando wesikweletu somntwana wakho ngokumngezela njengomsebenzisi ogunyazisiweyo kwikariti yakho yekhadi lesikweletu, okanye nakwiakhawunti entsha entsha oqala ngayo kwintsapho yakho. Umsebenzisi ogunyazisiweyo ufumana zonke iinzuzo zokusebenzisa ikhadi lekhredithi kwaye unokuba nembali yentengo yemboleko edibeneyo kwingxelo yabo yemboleko. Kodwa, umsebenzisi ogunyazisiweyo akanalo uxanduva lomthetho kwityala.
Ngokugcina umntwana wakho njengomsebenzisi ogunyazisiweyo, kunokuba ungumnikazi weakhawunti ye-akhawunti, unako ukulawula i-akhawunti. Ukuba umntwana wakho uyaba nexanduva kwaye uyaphaya, ungasusa isimo sakhe somsebenzisi ogunyazisiweyo kwaye uvale i-akhawunti.
Ukuze ugcine izinto zilula, vumela umntwana wakho abe yedwa ukuba asebenzise i-akhawunti kwaye abe naye, okanye ahlawule umrhumo wenyanga kwinyanga, ngokuqinisekileyo iintsuku ezimbalwa ngaphambi komhla ofunekayo. Hlala phantsi ndawonye kwaye wenze oku kwinyanga ezimbalwa zokuqala, kwaye vumela umntwana wakho enze oko yedwa. Misela umyalelo othi ibhajethi kufuneka ihlawulwe iintsuku ezingama-2-3 ngaphambi komhla ofunekayo okanye mhlawumbi uza kuba ne-akhawunti ivalwe.
IKhadi leKhadi elidibeneyo
Ukufumana ikhadi lokuthenga ngetyala kunye nomntwana wakho kuyingozi kuba uxanduva luhlukile. Ngekhadi lokuthenga ngetyala, umntwana wakho ulawula kakhulu umkhiqizo abangaqhelanga ngawo kwaye kubaluleke kakhulu, umkhiqizo onokuchaphazela i-credit yakho. Umzekelo, ukuba uzama ukuvala i-akhawunti, oko kukuthi, ngenxa yokuba umntwana wakho ayisebenzise ngokungenakuphikelela, umntwana wakho unokukwazi ukuyivula emva kwakho.
Xa umntwana wakho enekhadi lesikweletu, uyabafundisa indlela yokuyisebenzisa ukuze bakhe i-credit.
Nazi izinto ezibalulekileyo umntwana wakho ekufuneka aziqonde ukwakha amanqaku amatyala enhle:
Ikhadi lesikweletu liyakwazi amava amatsha. Qinisekisa ukuba umntwana uyazi into enokuyilindela . Chaza indlela ukuthengiswa kwekhadi lokuthenga ngetyala ngayo .
Ngenyanga nganye umntwana wakho uya kufumana isitatimenti senkokhelo . Unako ukuhamba ngawo, uchaza amacandelo ahlukeneyo. Okona kubaluleke kakhulu, phawula umhla wokuhlawula umrhumo kwaye uyifake kwikhalenda kunye neminye imihla ebalulekileyo kunye nezabelo.
Umniki wabo wekhadi lokuthenga ngetyala uya kuxela umlando wekhadi lesikweletu kwii-credit bureaus nyanga zonke. Ukunika ingxelo ngekhredithi yindlela umlando wekredithi owakhiwe ngayo. Iinkampani zenkxaso-mboleko zetyala zisebenzisa ulwazi malunga neengxelo zemali-mboleko ukwenzela ukuvelisa amanqaku emboleko. Ukusebenzisa ikhadi lekhredithi ngendlela elungileyo kubalulekile ekwakheni imbali ebalulekileyo yeebhanki kwaye ngoko ke, amanqaku amanqaku atyala.
Imbali yokuhlawula iyona nto ibaluleke kakhulu kumgangatho wesikweletu. Oko kuthetha ukuhlawula ngexesha kwiinyanga zonke kungakhathaliseki ukuba yintoni. Kulula ukuhlawula ibhalansi ngexesha xa uthengise ukuthenga oko unokukwazi ukukwenza. Ngoko ungalokothi uhlawule ngaphezu kokuba unako ukuhlawula.
Yenza umntwana wakho azi ukuba awuyi kubakhokhisa inyanga nganye ukuba bahamba koko bathenga. Ukuba umntwana wakho ucinga ukuba banokuxhomekeka kuwe ukuba ubencedise, abakunamathuba okuthatha uxanduva lwabo kwikhadi lekhredithi.
Inani lematyala ngowona wesibini-ebaluleke kakhulu kumanqaku ekhredithi. Fundisa umntwana wakho kuphela ukuba asebenzise isahlulo somda wabo wemali. Ipesenti ezingamashumi amathathu nangaphantsi zifanelekileyo. Qinisekisa ukuba bayazi ukubala i-30% yomda wabo wesikweletu: Umda wesikweletu uwandiswe ngu .3, umzekelo, i-$ 500 X .30.
Ukusetyenziswa kwamakhadi amaninzi kumatyala ngexesha elincinci liyingozi kumanqaku ekhredithi. Iikhadi lamatyala kunye nezicelo zemboleko zibonisa kwiingxelo zeentengo zeekhredithi kwiinyanga ezingama-24 kwaye zichaphazele izikolo ze-credit.