Ukuhlawula ngaphezu kweNgcinci yokuSindisa imali
Enye yeempazamo ezibi kakhulu enokuzenza kunye namakhadi-mboleko ufumana umkhwa wokuhlawula kuphela umyinge ophantsi kwenyanga nganye. Ngoxa ixabiso elincinci linokuhlawuleka; kuya kuhlawula imali eninzi ngexesha elide.
Indlela Inkokhelo Eyona Ncinane Ibalwa ngayo
Ukuqonda ngokucacileyo ukuba kutheni ukuhlawula ubuncinci kunokuba kubi kakhulu kubalulekile ukuba ufunde indlela inkokhelo encinci ibalwa ngayo. Nangona ikhadi ngalinye lingasebenzisa ukubala okuhlukeneyo, bonke basebenzisa ipesenti ethile yebhalansi njengento ephambili.
Oku kunokuba kunyanzelekile njengoko iindleko zeemali zelo xesha kunye ne-1% okanye ngaphezulu kwe-4-5% yemali. Qinisekisa ukuba uhlolisisa amakhadi akho ekhredithi ukuze uqinisekise indlela intlawulo ibalwa ngayo.
Umzekelo
Ngokomzekelo makhe sijonge kwikhadi lekredithi elinokulingana kwe-$ 1,000 elinesibini kwi-APR ye-18%. Xa uphula i-APR ukuya kwiinyanga ezilishumi elinesibini uphelela nge-1.5% yentlawulo yezimali ngenyanga. Kulo mzekelo siya kusebenzisa ukucinga ukuba ikhadi libala intlawulo encinci nge-2.5% yemali.
Oku kuthetha ukuba inkokhelo yakho encinci ngenyanga yokuqala i-$ 25, okanye i-$ 1,000 x 2.5%. Ngekhadi le-APR ye-18% okanye i-1.5% ngenyanga leyo ithetha ukuba loo ntlawulo ye-$ 25 kuphela ifakwe kwisalathingi ngelixa elinye i-15 le mali lihlawula imali yenyanga. Ngenyanga ezayo ibhalansi yakho eseleyo ngoku i-$ 990 ukuze imali yakho elandelayo ihlawulwe njenge-$ 24.75 (i-990 x 2.5%). Ngenxa yale ntlawulo i-$ 14.85 ihlawulisa ihlawuliswa yenyanga leyo ngelixa i-$ 9.90 isetyenziswe kwibhalansi.
Njengoko ubona ngasentla, wenze i-$ 50 kwiintlawulo kodwa wanciphisa ibhalansi yakho nge $ 19.90. Ukuba ubuya kuqhubeka uhlawula ubuncinci kuphela kwaye iimpawu zale khadi zazingatshintshi ziza kuthatha iinyanga ezili-153 okanye malunga neminyaka eyi-13 ukuhlawula imali engama-$ 1,000 yokuqala. Oku kuya kubangela ukuhlawula i-$ 1,115.41 kwenzalo kuphela, ngaphezu kwexabiso lemali yokuqala!
Iingcebiso zokuhlawula iKhadi lakho leMali
1. Bhatala okungaphezulu kweyona ntlawulo yincinci nganye nyanga, nokuba nokuba yinto encinane nje. Umzekelo, ukuba inkokhelo encinci i-$ 40, yenza yonke imizamo yokuhlawula ubuncinane i-$ 50. Mhlawumbi awuyi kubona i-dollar eyongezelelweyo, kodwa iya kuhamba ngokukhawuleza ukuhlawula inqununu yakho kwaye ukwandise isivinini apho ityala lakho liyancitshiswa khona.
2. Ukuba ngoku uhlawula i-APR ephakamileyo kwikhadi lakho lesikweletu, qwa lasela ukutshintshela ibhalansi kwikhadi lekredithi eliphantsi okanye ngaphandle kwe-APR. Ngokuqinisekileyo uya kufuna ukufunda ukushicilelwa okulungileyo ukufumanisa imimiselo yesivumelwano, kodwa ukuba unayo ikhadi lesikweletu ocinga ukuba unakho ukuhlawula ngokukhawuleza ngaphambi kokuba uphume i-APR, ngoko kutheni ungahlawulwanga yonke inkokhelo yakho kwi-premium kwaye ingenomdla?
3. Thatha i-inventory yemali eyahlukileyo kwikhadi ngalinye lekhredithi. Kukho izikolo ezimbini zokucinga apha. Omnye ukuhlawula ikhadi lekhredithi kunye ne-balance balance)-oku kuya kufumana ukuba ukhuthaze enye ityala. Ngakolunye uhlangothi lwengqekembe kukuba awufuni ukuba loo mali enkulu yekhadi lokuthenga ngetyala liqhubeke likhule, lihlasele okokuqala. Kulungile ukuba unako ukuhlawula ngokukodwa ngaphezulu kwexabiso lemali nganye kwikhadi lakho lesikweletu nganye ngenyanga.
4. Khumbula ukuba ityala liyakwazi ukuphuma kumlawuli. Ngesi sizathu, kubalulekile ukujonga imali yakho yenyanga. Ukuba kukho iindawo apho ungayinqanda kwaye usebenzise loo mali ekuhlawuleleni phantsi ityala lakho endaweni yoko, kubalulekile ukuba wenze njalo. Kunzima ukuzonwabisa ngokugqibeleleyo ubomi ukuba uyazi ukuba unetyala elininzi elixhomekeke phezu kwentloko yakho. Unokudinga ukuba ulungele ukudlisa ezinye izidlo ngaphandle, ubulungu bokuzivocavoca, okanye ezinye izinto zentlalo, kodwa kuya kubaluleka ukuba unokwazi ukukhankanya loo matyala ngokukhawuleza.
Okukwintsusa
Kulula kakhulu ukuvumela ityala lakha kwaye ngaphambi kokuba ukwazi, ugoba kuyo. Kubalulekile ukubeka isicwangciso kwindawo eya kukuvumela ukuba uhlawule phantsi amakhadi akho ekwerethi kwaye ujonge ubomi obungenamatyala.