Izibonakaliso Uya kwiNtlekele
Ukusebenzisa amakhadi ekhredithi ngokungenangqiqo kungaholela entabeni yekhredithi yamakhadi enetyala awanakukwazi ukunqoba. Kodwa uyazi njani ukuba usebenzisa amakhadi akho ngokungaqondi? Nazi ezinye iindlela zokukuxelela ukuba uhambela ityala lekhadi lesikweletu.
01 Usebenzisa iNgxowa-mali ukuhlangabezana nezidingo eziphambili
Umvuzo wakho kunye nemivuzo kufuneka isetyenziswe ukuthenga izinto zansuku zonke ezifana nokutya, izambatho kunye negesi, kungekhona ikhadi lakho lesikweletu. Ukusebenzisa amakhadi ekhredithi ukugubungela ezi ntlobo zentengo kukubonakalisa inkathazo yezemali. Sebenza kanzima ukuba uphile ngendlela yakho yokuguqula umendo wakho kumatyala ekhadi lekhredithi.
02 Utshintshe iMali-mboleko yokuPhepha iintlawulo zeKhadi leMatyala
Kukho amaxesha apho ukuhanjiswa kwekhadi lokuthenga ngetyala lokuthenga imali kunengqiqo, kufana nokudibanisa izilinganiso zekhadi lesikweletu okanye ukufumana inzala engaphantsi. Nangona kunjalo, ukutshintshela izilinganiso rhoqo kunokuba uhlawule phantsi iibhanti zakho ibhendi ebomvu. Kufuneka ufumane indlela yokwenza iintlawulo zakho zekhadi lokuthenga ngetyala ngaphambi kokuphuma kwamakhadi wesikweletu ukuze udlulisele izilinganiso.
03 Uyeka elinye iYilwayo yeKhadi leKhadi-mboleko ukuhlawula enye
Ukubaluleka kwekhadi lokuthenga ngetyala kuyilumko . Kodwa ukuhlawulwa kweentlawulo akusoloko kubulumko. Ukuba uhlala uzifumanisa kunye nemali ukuze wenze iikhodi zekhadi lakho lekhredithi, sele usele nkxalabo kwikhadi lesikweletu. Iintlawulo ezininzi ezinqabileyo ziyakonakalisa i-credit yakho kwaye zikushiye ngeendlela ezincinane zokuphatha ityala lakho.
04 Uyakuphepha okanye ungayigcini iNkcazo zeKhadi leNkcitho
Ukuba kuphela ukufunwa kwamakhadi ekhredithi ngokwenene kwenza ukuba bahambe. Ukuzenza ngathi ityala lakho lekhadi lesikweletu alikho kuphela linika ixesha lokukhula. Ukujongana namatyala ekhadi lesikweletu kukukhawuleza kukunika ithuba lokujongana namatyala ngaphambi kokuphuma kolawulo.
05 Uhlawulisa ngaphezu kokukhokha
Khawucinge uzama ukuzalisa umgodi ngelixa umntu ephazamisa ukungcola kunokuba ungene kuyo. Kuyafana kunye namatyala. Ukuba uhlawula ngaphezu kokuhlawula, ityala lakho lekhadi lesikweletu liya kuhlala likhula. Kumele uyeke ukusebenzisa amakhadi akho ekwerethi ukuba ufuna ukuphepha ukungena kwi-credit card.
06 Awunayo iNgxowa-mali eNgxamisekileyo
Ukuba awunayo ingxowa-mali yongxamiseko , uya kuziva unyanzelekile ukusebenzisa ikhadi lakho lekredithi kwiimeko ezixakeka. Ityala lekhadi lesikweletu elenziwe ngenxa yeendleko ezinkulu, ezingalindelekanga kunzima ukuzihlawula, ngakumbi ukuba uhlahlo lwabiwo-mali sele seluliwe. Unokwakha ingxowa-mali yongxamiseko ngokugcina imali encinci inyanga nganye, ngokuqhubekayo.
07 Awunaso Isicwangciso sokuhlawula ityala lakho leTyala leKhadi
I-adage ithi "Ukungaphumeleli ukucwangcisa uceba ukusilela." Ukuba awusebenzi ngokuzimeleyo ukuhlawula izilinganisi zekhadi lakho lesikweletu, unokuphelisa ngokungabalulekanga kwiakhadi kwiminyaka ezayo. Ingaba unetyala lekhadi elininzi ngokwemali okanye awukho, kufuneka uhlale unesicwangciso sokuhlawula izilinganisi zakho.
08 Usebenzisa iNgxowa-mali kwi-"Afford" Izinto ezixabiso
Ukukhwabaniswa kwekhredithi kukuba kukusiqhatha ekucingeni ukuba sinako ukuthenga ngaphezu koko sinako. Inyaniso kukuba, imali eyongezelelweyo eyongezelelweyo okanye iindleko ezisezantsi (okanye zombini) zikunceda ukuba ufumane izinto ezibiza kakhulu. Ukufumana ityala lekhadi lokuthenga ngetyala lokugcina indlela yokuphila ongenakukwazi ukuyithengisa akusisigqibo esisisilumko somvuzo wakho kwikamva.
09 Unayo iAgxelo eziPhambili
Ukuba unamakhadi ekwereti okwangoku adlulelwe ngenxa yoko, mhlawumbi ungena kwiinkathazo zemali ezibi ezigcina zakho kwiintlawulo. Khumbula, ixesha elidlulileyo ngenxa yeakhawunti yakho, kuba nzima ukubazisa kwakhona ngoku. Khangela ibhajethi yakho yenyanga ngemali onokuyichitha ukuze ulandele iakhawunti yakho yekrediti kumzila.
10 Uye waxhuma kwiKhadi leMboleko
Ukuba amakhadi akho ekwereta aphelelwe ngaphandle, awuyi kukhwela ityala lekhadi lesikweletu, usele kukho. Yintoni ngoku? Yenza isigqibo sokuhlawula ityala lakho lekhadi lokuthenga ngetyala kunye nokwenza izigqibo zobulumko malunga nokusebenzisa amakhadi akho ekwereta kwikamva.