Ukuba uceba kakuhle, unokuboleka ngokuthenga kwakho ngaphandle kokuhlawula ipenny inzala. Qiniseka ukuba ufunde ngokucophelela imiqathango ngaphambi kokuvuma umboleko wemizuzu yokugqibela.
Ezinye iiprogram zeeholide zenkxaso yeeholide ayifanelekanga into efana neyona nto ibonakala ngayo.
Nazi iindlela ezine zokusasaza iintlawulo zakho, inzala-nzala:
1. Zithenga ngekhadi lekhredithi ngenjongo yokukhuthaza inzala .
Indlela efanelekileyo yokufumana imali enkulu yokuthenga ngaphandle kokuhlawula inzala-okanye nayiphina imirhumo-kukukhusela ikhadi elitsha lekhredithi ngaphambi kokuba ubeke unyawo kwintengiso. Amakhadi amaninzi ekwereta anikezela ukukhushulwa kwexesha elingenamsebenzi, ukuvumela ukuba uthenge izipho zakho ngoku kwaye uzihlawule kamva, ngaphandle kokuhlawulwa kweerhafu.
Amanqaku amaninzi aneemfuno zokuxhaswa kwemali enomdla anokunika ubuncinane ubuncinane kwiinyanga ezili-12 ukuya kwezi-15 ukuhlawula ukuthenga okukhulu, inzala. Kodwa amanye amakhadi aya kuhamba ngakumbi, ekunika iminyaka engangeminyaka emibili ukuhlawula ukuthenga kwakho. Ikhadi leCiti elulula, umzekelo, liya kukunika iinyanga ezingama-21 ukuhlawula phantsi ibhalansi yakho yekhadi lesikweletu ngaphandle kokubandakanya nayiphi na inzala. Ikhadi le-US Visa Platinum liya kukunika iinyanga ezili-18.
Ukubamba: Ngokuqhelekileyo udinga i-credit ephezulu kakhulu ukuze ufanele ukufumana ikhadi elinomdla ongenamdla-ngakumbi ukuba unethemba lokuba ikhadi elikunika iinyanga ezili-15 okanye ngaphezulu. Uya kufuna kwakhona ukuqinisekisa ukuba unokukwazi ukuhlawula ukuthenga kwakho ngaphambi kokuba iphepusenti ye-0 ye-APR iphelelwe. Ngokukhawuleza xa uphuhliso luphela, izinga lekhadi lakho liza kutsala kwaye kufuneka uqale ukuhlawula inzala kwimali eseleyo.
2. Bhalisela i-interest interest finance.
Abathengisi abaninzi baya kukuvumela ukuba uyeke ukuhlawula ukuthenga okukhulu ngokunikezela ngemali yenkxaso yemali kwi-esitolo. Ngokomzekelo, inani leendawo ezikhethiweyo zeeholide-izipho zinikeza "akukho nzala" yokuxhasa imali, kuquka ne-Apple Store, i-Toys R Us, i-Best Buy ne-Kay Jewelers. Ezi nkqubo mazithenge ukuthenga kwakho ngoku kwaye uhlawule umhlala-mboleko ngemali-mboleko-ukuba uhlawula ngokuthenga kwakho ngokupheleleyo ngaphambi kokuba ixesha elingenalusizo liphelelwa lixesha kwaye ungaphuthelwa nayiphi na intlawulo.
Ukubamba: Ukuba awukwazi ukuhlawula imali epheleleyo yokuthenga ngaphambi kokuba ixesha lokungabikho kwemali liphela, awuyi kuba noxanduva lomdla kwimali eseleyo-uya kuba kwintambo yokufumana umdla iintlawulo kwixabiso elithe lachitha!
I-APRs kumakhadi anomdla achazwayo aphezulu kakhulu, ngoko unako ukuphazamiseka kunye ne-bill enkulu xa ulahlekelwa "akukho nzala" ngexesha elide. Ngokomzekelo wophando olutshanje olwenziwa nguWallet Hub, umzekelo, ezininzi izicwangciso zokuzonwabisa zihlawulwa amaxabiso angaphezulu kwama-20 ekhulwini.
Sebenzisa ukuqaphela okukhulu ngaphambi kokuba ubhalisele olu hlobo lwesicwangciso kwaye uqinisekise ukuba uyazi ukuba uninzi kangakanani ukuhlawula inyanga nganye ukuze unqamle ibhalansi ngaphambi kokuphela kokupromotha.
3. Sebenzisa ikhadi le-AmEx uze ubuze ukuba unako "ukuyiCwangcisa."
Ngo-2017 i-American Express ivule inketho yokukhokha ebizwa ngokuba yi-"Pay It Plan It" ekuvumela ukuba uyihlawule ukuthenga ezinye iintengo ngaphandle kwexesha. Ukuba ukhetha iSicwangciso soNyulo, i-American Express iya kuseka isicwangciso sokufaka isantya esingenasithakazelo esikuvumela ukuhlawula ukuthenga kwakho ngeentlawulo ezincinci, ngaphezulu kweenyanga. Unokukhetha isicwangciso sokuhlawula inyanga ezintathu, inyanga yeenyanga ezintandathu okanye isicwangciso senyanga yesithoba, kuxhomekeke kwibhajethi yakho. Unokuhlawula kwakhona ibhalansi yakho ekuqaleni.
Ukubamba: Ufanele uhlawule umrhumo wenyanga wenyanga ngokukhawuleza ukuba unesicwangciso sokulinganisela. I-American Express ayichazi kakuhle ukuba ngaba bathengi bathengi, ngoko ke akucaci ukuba ungasindisa phi. Kunoko, ithi imali nganye iya kubalwa ngabanye.
Akuthengi konke ukuthenga. Kufuneka uchithe ubuncinci be-$ 100 ngexesha lokusebenzisa ithuba lokukhetha kwaye awukwazi ukudibanisa ukuthenga kwisicwangciso esinye.
4. Beka ukuthenga kwakho kwi-layaway.
Izitolo ezininzi zinika izicwangciso zokuzilahla ezingenamdla ngexesha leeholide, kukuvumela ukuba ukhethe ukuthenga kakuhle phambi kwexesha lokunika isipho, ukubeka phantsi intlawulo encinci kwaye uhlawule ezinye kwiinyanga ezimbalwa. Izitorethi ziya kubamba ukuthengwa kwakho ude ufeze ukuhlawula oko ukuze ungakhathazeki malunga nokuthengisa.
Ukubamba: Amalungiselelo amaninzi atywalayo ahlawulisa imali encinci yeenkonzo (ngokuqhelekileyo ijikeleze i-$ 5 ukuya kwi-10), ngoko kuya kufuneka uhlambe imali ethile ukuze uhlawule iintlawulo zakho. Nangona kunjalo, ezinye izitolo ziyekezela ezo ntlawulo ngexesha leeholide. Kwakhona awuyi kuba nexesha elide lokuhlawula. Izicwangciso zeLayaway zifuna ukuba uhlawule ukuthenga kwakho kwiinyanga ezimbalwa.