Musa ukulahlekelwa ngumvuzo omhle owenziweyo
Kukho ezininzi iinzuzo zokuba nomlinganiselo omhle wokuthenga ngetyala , ezifana nokunandipha inzala engaphantsi kwimivuzo yamatyala kunye nemiboleko. Inqaku elifanelekileyo lekhredithi likuvumela ukuba ugcine imali kwi-inshurensi kunye nokukhuselwa kwiintlawulo ezintsha kunye nenkonzo yeselula. Ukusebenzisa i-credit yakho ngokuhlakanipha nangokufanelekileyo kukunceda ukuba ugcine amanqaku amnandi.
UMartin Dimitrov / iStock Xa uyazi ngakumbi malunga nezinto eziya kwinqaku lakho lekhredithi, kuya kuba lula ukugcina into enhle. Iinqununu ezihlanu ezibalulekileyo zolwazi zisetyenziselwa ukubala amanqaku akhotyala - umlando wakho wokuhlawula , inqanaba lesetyala, ubudala bemali, ukuxuba i-credit, kunye nekhredithi yakutshanje. Ezinye izinto azichaphazeli umlinganiselo wakho wekhredithi . Ngokomzekelo, ukukhangela i-akhawunti ye-overdrafts kunye neentlawulo zesebenzisi aziyi kuzinceda ngokuzenzekelayo (okanye zenzakalise) amanqaku akho ekhredithi.
Eziya kuzo zonke iindleko zakho, kungekhona nje ngekhadi lakho lesikweletu kunye nemboleko. Nangona ezinye iibill zingenakuchazwa kwii- credit bureaus xa uhlawula ngexesha, ziyakwazi ukugqitywa kwingxelo yakho yekhredithi xa uwela emva. Nangona ityala elincinci liyakwazi ukukhupha ingxelo kwingxelo yemboleko ukuba ishiywe ingahlawulwa kwaye ithunyelwe kwi-ejensi yokuqokelela. Qhubeka ukuhlawula zonke iimali zakho ngexesha ukuze ugcine umgangatho omhle wamatyala. Ukuphakanyiswa kwekhadi lakho lekhadi lesikweletu ngokumalunga nomda wokuthenga ngetyala, ekugqithisekeni kwakho amanqaku okuthenga ngetyala. Izilinganiso zekhadi lakho lokuthenga ngetyala kufuneka zibe zingama-30 ekhulwini zeemali ezidibanisiweyo zemali ukuze ugcine umgangatho omhle wekhredithi. Yiyo i-300 engama-credit cards kunye nemida edibeneyo eyi-$ 1,000. Ukuhlawula ngaphezulu kwama-30 ekhulwini lomlinganiselo wakho wekhredithi kuyingozi nokuba uceba ukuhlawula ibhalansi xa kufika ingxelo yakho yokubhatala . Abashicileli bekhadi baxela ibhalansi xa isitatimende sakho sivala, ngoko yile nombolo eya kuboniswa kwingxelo yakho yekhredithi. Ingcinga efanelekileyo yokugcina iithebhu kwi-akhawunti yakho kwi-intanethi kwaye uhlawule ngokwaneleyo ukunciphisa izilinganiso zakho ngaphantsi kweepesenti ezingama-30 ngaphambi kokuba inyanga yokuhlawula ivale. Xa uvala ikhadi lokuthenga ngetyala, umniki-khadi wakho wekhadi akathumeli ukuhlaziya kwi-bureaus ye-credit, kwaye i-credit score score isisa ubunzima obuphantsi kwi-akhawunti engasebenzi. Emva kweminyaka engama-10 okanye njalo, i- credit bureau izakususa loo mlando we-akhawunti evalwe kwirekhodi yengxelo yakho yekhredithi, kwaye ukulahlekelwa ngumlando weebhanki kuya kufutshane nobudala bakho bemali-mboleko kwaye kubangele ukuba umlinganiselo wakho wekredithi uphononise. Ukuvala ikhadi lekhredithi kunciphisa i-credit card yakho. Ngokomzekelo, ukuba unamakhadi amathathu kunye nomda wokudibanisa umthamo we-R10 000 kwaye uvale enye nge-3,000 umda, umda wakho wokudibanisa ngetyala uya kuncitshiswa ube yi-$ 7,000. Ekubeni umnqweno wakho ukugcina izilinganisi zekhadi lakho lesikweletu phantsi kweepesenti ezingama-30 zesikweletu sakho esikhoyo, ukuvala loo khadi kuncipha umda wakho nge $ 900.
Izilinganiso zekhadi lokuthenga ngetyala akuzona kuphela iingxelo ezichaphazela amanqaku akho. Izilinganiso zemiboleko kunye nemigca yeebhanki zichaphazela inqanaba lakho letyala. Ukuba netyala elininzi lingakuhlawula amanqaku kumanqaku akho ekhredithi. Ukunciphisa ityala lakho, kuya kuba lula ukugcina amanqaku atyala. Imibuzo emininzi yemali-mboleko-nokuba ingaba yikhadi lekhredithi okanye imali-mboleko-nayo ingaba nempembelelo embi kumanqaku akho, ke qiniseka ukuba ucela kuphela i-credit xa kuyimfuneko. Ukuvula i-akhawunti entsha yekhredithi nayo iyanciphisa iminyaka yobudala bemali. Ngenxa yokuba wenza konke okulungileyo kunye nekhredithi yakho akuthethi ukuba wonke umntu uya kuthi. Iimpazamo zingaphelela kwingxelo yakho yekhredithi ekhokelela ekuhlahleni kwinqanaba lakho lesikweletu. Ubusela besazisi kunye nekhredithi yamakhadi ekhredithi nazo zingakhokelela kwingcaciso engalungile kwingxelo yakho yekhredithi. Ukuvavanya ingxelo yakho yekhredithi unyaka wonke kukunceda ukufumanisa ezi mpazamo ngokukhawuleza ukuze ulungise kwaye ugcine umgangatho omhle wekhredithi. Umyinge wamanqaku emboleko ngurhulumente .