Yaye unako ukwenza ngaphandle kokufumana ityala ngexesha nje ulandela imithetho emibini ebalulekileyo: hlawula oko unokukwazi ukuhlawula kwaye uhlawule imali yakho ngokugcwele nyanga zonke.
Ukutshintshela ibhalansi kwinqanaba lomncinci lomlinganiselo wesikweletu.
Ukuba okwangoku uphethe ibhalansi kwikharityhulam yekhredithi enezinga eliphezulu lentengo, ungagcina amakhulu eedola ngokudlulisela loo mabhanki kwikhadi lekhredithi elinomyinge ophantsi. Ukusebenzisa ithuba lokudlulisela ibhalansi ye- 0% kuzakukusindisa imali eninzi njengoko unokuphepha ukuhlawula umdla kwiinyanga ezingama-21 kuxhomekeke kwikharityhulam yekhredithi oyikhethayo. Ngokomzekelo, ungagcina phantse i-$ 400 ngokuhambisa ibhalansi ye-3,000 kwi-17% kwikhadi lekhredithi elinama-0% ama-APR kwiinyanga ezili-12, ukuba unokuhlawula i-$ 251 ngenyanga.
Ukusebenzisa 0% ukuthenga u-APR ngokuthenga okukhulu.
Kwixesha elidlulileyo, ii-0% zerhafu zokuqala zanikezelwa kuphela ngokudluliselwa kwemali. Ngoku, ngamakhadi amatshini athile anika i-0% ye-APR yokuqala.
Ukuba unetekiti enkulu yokuthenga - ifenitsha entsha, inkqubo yonyango, okanye ikhefu - usebenzisa ikhadi lekhredithi ene-0% i-APR iya kukuvumela ukuba uchithe ukuthengwa kwiintlawulo ezininzi kwaye ulondoloze imali kumdla.
Ukuhlawula yonke into ngekhadi lesikweletu lesemva.
Ukuhlawula emva kwamakhadi ekredithi kukuvumela ukuba uqokelele umvuzo wemali kwikhadi lakho lesikweletu.
Ukuba ungasebenzisa ikhadi lakho lekredithi ukuhlawula yonke into eninzi , kwaye kungekhona nje loo nto ethengayo efumana umvuzo omkhulu, unako ukukhupha imali yakho yokufumana imali. Umzekelo, ukuba uchitha i-$ 3,000 ngenyanga nganye kwindleko kunye nezinye iindleko, unokufumana i-$ 360 ngonyaka kwikhadi elihlawula i-1% kuphela kwimbuyekezo.
Ukufaka isicelo sekhadi lesikweletu kunye nebhonasi yokubhalisa.
Kukho amakhadi angaphezulu kweebini ezikhredithi kunye neebhonasi zokubhalisa kwiimarike kwangoku. Iibhonasi zivela kwimali ebuyela kwiindawo zamahhala zamahhala kunye namaphupha ongawasebenzisa kwiikiti zamatekisi. Ukufumana ibhonasi yokuchitha idinga kuphela ukuba uchithe inani elithile kwikhadi lekhredithi ngaphakathi kweenyanga ezimbalwa zokuba nekhadi lesikweletu. Ukuba unokuhlangabezana nale mfuneko, ibhonasi ingeyakho.
Ukubuyisela imali yakho ngekhadi lesipho.
Nangona imali ingaba ngumvuzo ohambelanayo - ungasebenzisa imali kuyo nayiphi na indawo - unako ukwandisa umvuzo wakho xa uhlawulela umvuzo wakho wekhadi lesipho kunye namalingani omvuzo wekhadi lomthengi. Ngokomzekelo, unokukwazi ukuhlawulela i-$ 20 ngembuyekezo yemali yekhadi lesipho le-$ 25.
Yeka i-inshurensi yokuqasha imoto.
Ukusebenzisa ukukhutshwa kwerenti yerenti yokuqeshisa imoto kunokunyusa inani lokuqashisa kwakho ukuya kuma-20 eentsuku nganye. Yiyo i-$ 140 ukuba urenta imoto ngeveki!
Ininzi yamakhadi ekwereti anika i-inshurensi yokuqeshisa imoto ngokukhawuleza ukuba unqabile ukuhanjiswa okunikezelwa yinkampani yokuqeshisa imoto kwaye uhlawule ngokurenta yakho kunye nekhadi lakho lesikweletu.
Sebenzisa umthengisi wekhadi lokukhishwa kwekhadi lomthengi.
Kuthatha ixesha elide lokucwangcisa phambili, kodwa ungagcina imali ekudleni, iikitikithi ze-movie, iintyatyambo, nokunye ngokuzithenga nge-mall credit card yakho. Khangela ingqalelo kwi-mall credit card yomthengisi wekhadi lakho lesikweletu ukuze ubone abadayisi banikezela izaphulelo.
Ukufumana ukuhamba kwamahala okanye ukuhlala kwehotele.
Sebenzisa umvuzo wokuhamba ngekhadi lesikweletu ukuze ufumane amamayela okanye amaphuzu ongawahlawulela ngenqwelomoya yamahhala okanye ukuhlala kwehotele yamahhala. Unokusebenzisa i-flight ezamahala kwiholide yonyaka, ukuhamba kweeholide okanye ukuhamba ngeveki.
Thengisa kwiintsuku zokunciphisa amakhadi ezithengisayo.
Nangona amakhadi ekrreditra yokuthengiswa akuyona eyona makhadi asematyala amaninzi ukuba abe nekhredithi yakho - ngenxa yezinga eliphezulu-nzala kunye nokusetyenziswa okuncinci - abanye banemivuzo emikhulu yokunikezela ngee-perks njengeentsuku ezizodwa zeraphulelo kubaphathi bamakhadi.
I-Gap, umzekelo, inikezela isaphulelo se-10% kwiGap kunye neGap Visa kubanikazi bekhadi nganye ngoLwesibili. Funda ngeprogram yakho yemivuzo okanye ufonele umnikeli wakho wekhadi ukuze ufumane ukuba ikhadi lakho lokuthenga ngetyala libonelela ngeentsuku ezizodwa zokunikwa kwekhadi.
Uhlengahlengiso lwexabiso.
Musa ukuzithenga ukuthenga into kwaye ubuyele emva kweentsuku ezimbalwa ukufumana ukuba imakwe kwixabiso elisezantsi? Ikhadi lakho lesikweletu lingabuyisela imali eyahlukileyo. Unokukhuselwa kwamanani ukuba unokufumana iKharity okanye ikhadi lekhredithi okanye i-Chase Freedom okanye iSapphire Preferred. Ukuba unayo enye ikhadi lekhredithi Ukufumana ithuba lokufumana inzuzo kuxhomekeke kwikhadi lakho lesikweletu. NgeCiti, kufuneka urejistise into yakho kunye nesixhobo se-Price Rewind kwi-intanethi. Ukufumanisa nokuhlaziya kufuna ukuba ugcwalise ifom yefowuni kwaye unike iirisithi ebonisa ukuthenga kwakho kunye nekopi yefom yefowuni.
I-waranti yenzuzo.
Ufuna ukuthenga iwaranti esongeziweyo kwii-electronics ezibizayo, kodwa ukuchitha imali eyongezelelweyo akuyona inketho ekhangayo. Ukuba usebenzisa ikhadi lekhredithi elungileyo, unokufumana iwaranti eyongezelelweyo kwaye ulondoloze loo mali. Khangela amakhadi akho ekwereta phambi kokuba uthenge ukuba ufunde ukuba ngaba nawaphi na amakhadi akho awandise iwaranti kunye nento omele uyenze ukuyisebenzisa inzuzo. Gcina iirisithi yakho yokuthenga ngexesha lewaranti ukwenzela ukuba ukwazi ukuhambisa kalula ibango xa kwenzeka ukungaphumeleli kwemveliso.
Musa ukuhlawula iimali zentengiso yangaphandle.
Uninzi lwamakhadi akhredithi ahlawulisa imali yokuthengiswa kwamanye amazwe , ngokuqhelekileyo u-3% wemali yokuthenga, ekuthengeni kwezinye iirharensi. Ukuba uhamba ngamazwe ngamazwe, ezi ntlawulo ziyakongeza ngokukhawuleza. I-Capital One ikhupha imali yentlawulo yelizwe langaphandle kuzo zonke iikhadi zamatyala. Ngoko, ukuba uphuma kweli lizwe, iCatal One OneKhadi ye-krediti iyona nto ingcono ukuyisebenzisa ukuthenga kwakho.
Fumana ngakumbi kwiKhadi lakho leMali
Akukho nanye kwezi zibonelelo ezifanelekile ukuba uhamba kunye nokuhlawula iindleko zemali. Bhatala ibhalansi ngokupheleleyo ngexesha ngalinye ngenyanga ukuze ugweme ukuhlawula umdla kunye nemali yokugqibela.