Unokuhlawula phi na?
Isinyathelo sokuqala sokuhlawula ityala lakho - nangaphambi kokuba ukhethe ityala elifunekayo ukuhlawula ukujonga ukuba unako ukuhlawula imali yakho kwikharityhulam yakho yamatyala inyanga nganye. Ibhajethi yakho yenyanga iyindlela yakho efanelekileyo yokukwazi ukuba unako ukuhlawula njani ityala lakho.
Ukuba awunayo ibhajethi, ngoku ixesha elifanelekileyo ukuqala enye .
Qala ngokungongeza yonke inzuzo yakho yenyanga yenyanga evela kuyo yonke imithombo.
Emva koko, fakela zonke iindleko zakho zenyanga, kubandakanywa neentlawulo ezincinci kuzo zonke iikhadi lakho lekredit kunye nemboleko.
Susa iindleko zakho kwiholo lakho. Inombolo oyifumanayo yinzuzo yakho yomnatha - yintoni ephumayo emva kokuba uyihlawule zonke iindleko zakho. Yilokho unako ukukwazi ukuthumela kubakhokisi bakho nyanga zonke. Awunagqithisi kule mali. Khangela iindlela zokwenza imali ethe xaxa ukubeka ityala lakho. Okungakumbi ongayifaka kwisikwere sakho, ngokukhawuleza uza kuhlawula yonke into.
Ngoku ukuba uyazi ukuba unokuchitha phi ixesha lokuhlawula amakhadi akhokredari, isinyathelo esilandelayo kukuba ufumane umyalelo ofuna ukuhlawula amakhadi akho ekwereta.
Iindlela ezimbini zokubuyisela
Nazi iindlela ezimbini ezifanelekileyo zokuhlawula amakhadi akho ekwereta.
- Inqanaba eliphezulu kakhulu lemali . Ukuhlawula ikhadi lekhredithi elinomyinge ophezulu wenzalo uza kukugcina imali ngexesha elide, ingakumbi ukuba inani eliphezulu lekhadi lesikweletu linokuthi likhadi elinomlinganiselo ophezulu.
Xa ikhadi eliphezulu lezinga lesenzalo linomlinganiselo ophezulu, kuya kuthatha ixesha elide ukulihlawula. Kulula ukulahlekelwa yimpembelelo yokuhlawula ityala lakho xa kuthatha ixesha elide. Yingakho indlela "yokuqala yokulinganisa yokuqala" ingaba yinto engcono.
- Ibhalansi ephantsi kakhulu kuqala . Kukho iinzuzo ezibonakalayo ngokukhawuleza ukuhlawula kwikhadi lekhredithi kunye ne-balance balance. Izilinganiso zokuqala zilula kwaye zikhawuleza ukuhlawula. Xa ekugqibeleni uhlawulela ibhilikhwe, uvakalelwa kukuba ufezekile kukukhuthaza ukuba uqhubeke.
Ukukhetha phakathi kwezi zibini kunokuba nzima.
Ukuba unomdla ekulondolozeni imali ngexesha elide, qalisa kuqala ibhalansi yezinga lesenzalo. Okanye, ukuba ufuna ukukhangela ezinye iakhawunti ngokukhawuleza, khetha ibhalansi ephantsi ukuqala kunye nayo.
Emva koko bhala amatyala akho phantsi komyalelo oya kubahlawulela - mhlawumbi ukusuka kwizinga eliphezulu lezala kwizinga eliphantsi kakhulu lentengo okanye ukusuka kwibhalansi ephantsi ukuya kwibhalansi. Bhala umlinganiselo wenzala, umyinge, inkokhelo encinci . Emva koko, yabela yonke imali eyongezelelweyo kufuneka uyihlawule kwikhadi lekhredithi phezulu kwoluhlu. Uya kuthumela intlawulo encinci kuzo zonke ezinye iikhadi lamatyala.
Emva kokuba uhlawule ngokupheleleyo ikhadi lokuqala lokuthenga ngetyala, yiwela kulo uluhlu kwaye ugxininise kwikhadi elilandelayo kuloluhlu. Ngaphambili, hlawula yonke imali engenayo kwikhadi. Qhubeka uqhuba le nkqubo de kube zonke iikhadi lihlawulwe.
Kungakunceda ukusebenzisa i-calculator payer calculator yokuthenga i-credit card yokunceda ukubeka isicwangciso sokuhlawula ityala lakho lekhadi lesikweletu. Khangela olu uluhlu lwababalaseleyo bokubhatala kwekhadi lokuthenga ngetyala .