Gwema Ukuhlawula Inzala Kwi-Balance Card Card
Ukuthatha ibhalansi kwikhadi lakho lekhredithi ngokuqhelekileyo kuthetha ukuba uya kufuneka ukhokhe umdla, ngendlela yokuhlawulwa kwezemali . Ukugcina ikhadi lakho lekhredithi likhululekile , okanye ubuncinci ukuhlawula iindleko zokuba nekhadi lesikweletu, kuthetha ukuthintela inzala yekhadi lesikweletu.
Yintoni Engalunganga Ngomdla Wokuhlawula?
Xa uhlawula umyinge kwibhalansi yekhadi lesikweletu , uhlawule ngokukhawuleza ukuhlawula ibhalansi yakho ngexesha elide.
Umxhesho wokuhlawula umdlalo wekhadi lesikweletu kukuba ekugqibeleni uhlawula ngaphezu kokuboleka kwaye unemali encinci yokuphila kwansuku zonke kwaye ufikelela kwiinjongo zakho zemali.
Iphakamileyo inzala yakho kwaye ixesha elide likuthatha ukuba uhlawule ibhalansi yakho, inzala eninzi uhlawula ngokubanzi. Umzekelo, ukuba kuthatha unyaka ukuhlawula ibhalansi ye-$ 1,000 kunye no-15% we-APR, uya kuhlawula i-$ 69.73 ngenzala. Sonke sinokusebenzisa kangcono i-$ 70. Kwabanye abantu, okudliwayo ngeveki, itanki yegesi, inyanga yenkonzo yeselula, incwadi yekholeji, okanye i-diapers yenyanga. Awuqapheli ukuba ungakanani uchitha imali enomdla ngenxa yokuba usasazeka kwixesha elide, kodwa oko kungenzi nto engabalulekanga.
Nciphisa inani lemali ohlawulayo kwaye uyandisa inani lemali ongayichitha kwiindawo ezinobulumko.
Ukugwema Inzala Yilula ... Kwiingcamango
Ngokuqhelekileyo, unokuphesela umdlala wekhadi lokuthenga ngetyala ngokuhlawula imali yakho ngokugcwele nyanga zonke ngaphambi kokuphela kobalo lobabalo .
Amaxesha obomi aqhelekileyo phakathi kweentsuku ezingama-21 no-27. Abathumeli bekhadi lokuthenga ngetyala kufuneka bathumele isitatimende sakho sokubakho kwangaphambili ukwenzela ukuba ube nexesha lokuhamba phambili kwithuba lobabalo.
"Kodwa andinakukwazi ukuhlawula imali engama-$ 1,000 ngenyanga!" uthi. Ukuba sele unayo ibhalansi ongenakukwazi ukuhlawula ngokupheleleyo kule nyanga, uhlawule ngokukhawuleza kunokwenzeka.
Awuyi kuphelisa ngokupheleleyo umdla, kodwa uya kunciphisa inani olihlawulayo. Ngokomzekelo, ukuba ubuyisela imali engama-$ 1,000 kwiinyanga ezi-6, uza kuhlawula i-$ 31.31 yezigidi kwinzala esikhundleni se-$ 69.37. Ingaphantsi kwesigamu somdla kwisiqingatha semali.
Kwixesha elizayo, qalisa ukuhlangabezana nomnqophiso wakho ongenomdla. Oko kuthetha ukutshatyalala nje ngokuba unako ukuhlawula rhoqo ngenyanga. Musa ukuhlawulisa i-$ 1,000 kwikhadi lakho lekhredithi ukuba unokukwazi ukuhlawula i-$ 300 kuphela. Endaweni yoko, zinike umlinganiselo wokuthenga u-$ 300. Sebenzisa uhlahlo lwabiwo-mali ukuhlaziya kwakhona oko unokukwazi ukuhlawula inyanga nganye.
Xa Isikhathi soBomi asiSebenzisi
Ixesha lobabalo liyimfuneko ukuphepha ukuhlawula umdla, kodwa akusikho onke amanqanaba ekhadi lokuthenga ngetyala. Ngokomzekelo, unganakho ixesha lobabalo ukuba sele usenayo ibhalansi kwikhadi lakho lesikweletu ekuqaleni komjikelo wokuhlawula . Ngamanye amazwi, ukuba awuzange uyihlawule ibhalansi yakho inyanga edlulileyo, ukuthenga kwakho okutsha kungaphantsi kweentlawulo zezimali.
Ezinye iintlobo zentengiselwano-oko kukuthi ukunyuka kwemali kwaye ngamanye amaxesha ukuhanjiswa kwebhanki-akufumani ixesha lobabalo. Inzala iqala ukukhawuleza kule misebenzi. Indlela yodwa yokugwema ukuhlawula umdla kwintengiselwano ngaphandle kwexesha lobabalo kukuhlawulela ibhalansi ngosuku olwenza ngalo ukuthengiselana.
Ngokuqhelekileyo akunakwenzeka.
Nangona kungabonakali, amanye amakhadi esikweletu awawuniki ixesha lokubakho. Unokufunda nokuba ikhadi lekhredithi linomdla wobomi ngokufunda i- credit card . Ufuna ukuphepha ezi khadi zekhredithi, ixesha.
Inzala-Ayingenayo kunye neyofana neyokuKhuthazwa kweeMali
Qaphela ukuba "inzala-mali" "inye yemali" kwaye "akukho nzala xa ihlawulwa ngokupheleleyo". Ezi zicwangciso zenkxaso-mali yokufunyanwa kwemali efuna ukuba uhlawule umrhumo opheleleyo ngokuphela kwexesha lokuphromotha. Imiqathango yokukhuthaza ivumela umniki wekhadi lokuthenga ngetyala ngekontrali ukuba akhokhe imali epheleleyo yemali ukuba inomvuzo uya kuhlala emva kwexesha lokuphromotha. Yamukela kuphela enye yezi zinikezelo ukuba unako ukuhlawula ngokupheleleyo ngexesha elichaziweyo.