Ukuba unokwazi ukubona iimpawu ezixeliweyo zeengxaki zemali ezizayo, unokukwazi ukuguqula inkambo ngaphambi kokuba ihambe kakhulu. Nazi ezintandathu "iiflegi ezibomvu" ezinokuthi inkxalabo yezemali isendleleni yayo - ngaphandle kokuba ungazijika ngokukhawuleza izinto.
Ukuhlawulwa kwekhadi lakho lokuthenga ngetyala leenyanga liye laphakama ukuya kumanani amathathu
Ukuba uhlawula ngaphezu kwe-$ 100 ngenyanga ukuze uhlawule imali encinci yekharityhulam yakho yenyanga , ngokuqinisekileyo unokuba netyala lekhadi lekhredithi elininzi.
Ukuze wenze inkqubela kwi-balance yakho kwaye ugcine ingakhula, kufuneka uhlale ukhokhela ngaphezu kwexabiso elincinci. Kodwa ukuba usuhlawuliswe i-$ 100 okanye ngaphezulu kwenyanga ubuncinane, unokuba nobunzima ukujikeleza ngaphezulu imali. Ngenxa yoko, ukulinganisela kwekhadi lakho kungakhupha ngokukhawuleza ngaphandle kolawulo lwakho. Ngokomzekelo, ukuba unetyala elingama-5,000 kwikhadi elinomyinge we-interest rate we-17, uya kuba ne-$ 100 ngenyanga ubuncinci, kuxhomekeke kwikhadi lakho. Ukuba awukwazi ukuhlawula ngaphezu kwexabiso elincinci ngenxa yoko, kunokuthatha iminyaka engaphezu kwe-30 ukuhlawula ibhalansi yakho. Okwangoku, isixa-mali esihlawulayo sinokuphindwa kathathu.
Uhlawula igesi kunye nokutya - kwaye ungayihlawuli inyanga nganye
Abantu baxhaphaza ukusebenzisa amakhadi ekweretheni kunokuba bathathe imali okanye badibanise amakhadi ukuhlawula iindleko zemihla ngemihla - kaninzi ukuze bakwazi ukusebenzisa umvuzo wamakhadi . Kodwa ukuba awukhokha loo nto ukuthenga ngokupheleleyo ngenyanga nganye, kunokuba ngumqondiso ukuba iindleko zakho zokuphila zidlula umvuzo wakho kwaye awunayo imali efanelekileyo yokuhlawula iindleko zakho rhoqo.
Kufuneka usebenzise kuphela amakhadi ekwerethi ukuhlawula iindleko zansuku zonke ukuba unako ukuhlawula loo nto ngokuthenga ngokupheleleyo.
Uqhubeka ungena kwi-savings yakho
Ukuba udibanisa ngokuphindaphindiweyo kwixesha lakho lokulondoloza ixesha elide ukufumana iiphelo okanye ukuhlawula iindleko ezingalindelekanga, unokungenakho ukuthengwa kweemali ngokukhawuleza kwemozulu yongxamiseko lwezemali.
Umele ulondoloze ubuncinane iinyanga ezintathu ukuya kweyesithandathu zeendleko zokuhlala kwiinkxwaleko zexakeka , ukukugubungela xa kwenzeka ukulahlekelwa ngumsebenzi okanye iindleko ezingalindelekanga (njengengxamiseko yonyango). Kodwa ukuba uqhubeka ungena kwingxowa-mali yakho yokuxakeka kuzo zonke iindleko ezingenakubalwa, okanye ukuba ufumana ukufikelela kwezinye iindleko zokulondoloza, kungabonakalisa ukuba iimali zakho zisezinkingeni. Ngokomzekelo, ingeniso yakho ayinakuphakama ngokwaneleyo ukuhlangabezana neendleko zakho, okanye unokuchitha imali eninzi kwizindlu.
Uhlawula rhoqo iifizi zebhanki
Ukuba ufumana uhlawula rhoqo iimali zebhanki ezingadingekile, njengemirhumo ye-ATM ngaphandle kwe-network, iindleko ze-overdraft, okanye iimali ezifakwe emva kweekhadi zamatyala zakho, iimali zakho zingenakulungiswa kakuhle zisongela impilo yakho yemali. Ngokomzekelo, ukuba uyakhohlwa ukuhlawula iindleko ngethuba okanye usebenzisa ikhadi lokuthenga ngetyala kwikhampani yekredithi okanye ii-ATM ezingaphandle kwee-network ngenxa yokuba awukwazanga ukugcina imali eyaneleyo, kungathi ungakhange usebenze zakho iimali awuyi kubona ukuba babulala.
Iakhawunti yakho yomhlalaphantsi ayikhuli
Ukuba utyalo-mali kwaye uncedise rhoqo kwiakhawunti yakho, i-akhawunti yakho yokuthatha umhlala-phantsi kufuneka ikhule ngokunyaka kakhulu ngonyaka.
Kodwa ukuba amanani kwizitatimenti zakho zezimali awanakugubha, oko kukubonakalisa okokuqinisekisa ukuba iqhinga lakho lotyalo-mali kufuneka libuyiselwe - okanye ukuba awukwazi ukufaka isandla ngokwaneleyo kwiakhawunti zakho.
Ingeniso yakho ayikhuli
Akufanele kuphela ukugcina imali yakho ikhule rhoqo ngonyaka, inani elipheleleyo othabathayo kufuneka liyakwandisa. Ukuba ingeniso yakho ibambelele ngokusesikweni, ingaba ngumqondiso ukuba awusebenzi kakuhle nakwimisebenzi yakho okanye uthatha ingozi embalwa. Umzekelo, ukuba uhlala kwinkampani enye iminyaka, unokuthobeka ngokunyanisekileyo ngonyaka; kodwa unokwenza imali eninzi xa uthela kwenye inkampani okanye usebenzela wena. Yaye khumbula: Ukuba umvuzo wakho ungagcinanga ubuncinane ngemali yokunyuka kwamaxabiso, ke umvuzo wakho osebenzayo uhlahla .