Cela iNqanaba leNzala ephantsi
Abanye ababolekisi ngamanye amaxesha bazimisele ukunciphisa inzala, kodwa ngokuqhelekileyo kubanini bamakhadi abalungileyo - abo bahlala behlawula ngexesha okanye balahlekelwa yintlawulo enye okanye ezimbini.
Ukuba ufumana izibonelelo zamanye amakhadi e-credit card kunye namaxabiso aphantsi, ungasebenzisa ezo zinikezelo njenge-bargaining chip.
Ukutshintshela i-Balance kwiKhadi lokuThengwa kweMali eliNcinane
Iinyanga ezimbalwa ezingenasithakazelo zinokuba yiyo yonke into ekufuneka uyihlawule ibhalansi yakho. Ngetyala elihle kakhulu, unako ukufumana ilungelo lokutshintshela izinga lokutshintsha imali. Musa ukukhawulela uphendlo lwakho ukulinganisela amakhadi ekhredithi . Eminye yemilinganiselo yokutshintshela ibhalansi iphezulu kumakhadi ekwereta. Kwaye ukuba awunayo inkokhelo eyaneleyo yokuthenga i-balance balance kwikhadi lekredithi enye, ukuhambisa ezinye zazo ziyakucima umthwalo.
Ukujongana namatyala amancinci Okokuqala
Ukulahla inkokhelo yokuqala yamatyala aphezulu angayi kuba sisiqhinga esihle kunazo zonke. Ukuhlawula ezinye iibhalansi ezincinci ziza kukhulula imali ukubeka kwiimali zakho ezinkulu, eziphezulu. Yenza uluhlu lwamatyala akho ukuba ufumane into enokuhlawulwa ngoku kwaye kufuneka ulinde. Njengoko ulahla ukulinganisela kwamanani amakhredithi amancinci, ungakulibali ukubeka loo ntlawulo yenyanga nganye kwenye ibhalansi yekhadi lesikweletu.
Ukuhlawula njengoko Unakho
Ngenxa yokuba ininzi yentlawulo yakho yenyanga ihambela umdla, kufuneka ukwandise inani leentlawulo zakho ukuba ufuna ukwenza inkqubela ebonakalayo ekuhlawuleleni iitaliti zamanqanaba aphezulu. Uya kuphumelela ngakumbi xa uhlawula ubuncinci kuzo zonke ezinye izikweletu kwaye ubeke yonke imali yakho eyongezelelweyo kwisikwere esinye senqanaba eliphezulu.
Emva kokuba uhlawule ityala elilodwa, unako ukusebenza kumatyala ngentlawulo ephezulu ephezulu, njalo njalo, de ube uhlawule zonke iimali zakho.
Nciphisa iindleko
Khubaza ikhebula. Khawukhawule ekudleni. Ukunciphisa ukutshaya ugwayi. Khawukhawule ngekhofi kunye ne-sodas. Nciphisa isicwangciso sakho sefowuni. Ukufakela imali engakumbi kwibhajethi yakho kukunika ngaphezulu ukubeka kwi-credit card yakho. Ukuba ucima ithelevishini yekhamera, unokufumana i-$ 60 eyongezelelweyo ukubeka kwisikwere sakho sekhadi lesikweletu. Yidla ixesha elifutshane ngaphantsi kwenyanga, kwaye yile $ 30 eyongezelelweyo. Edibeneyo, loo nto iphantse i-$ 100 eyongezelelweyo kwintlawulo yakho yamakhadi ngenyanga.
Lindela iinyanga ezimbalwa
Ukuba awukwazi ukuyifumana nayiphi na imali eyongezelelweyo kwibhajethi yakho kwaye awukwazi ukuvelisa nayiphi ingeniso eyongezelelweyo, unokufuneka ulibazise iinjongo zakho ezingenasikweletu kwinyanga ezimbalwa. Hlalani nenza iintlawulo ezincinci kwiikhadi lakho lekredithi kuba oko kuya kugcina umlinganiselo wakho wekhredithi ukusuka ekutshitsheni kwaye kuya kugcina ityala lakho lingakhuli. Ewe, uya kulahlela imali kwimali, kodwa ukuba awukwazi ukuhlawulela inqanaba lakho lentlawulo ephezulu ngoku, ke awukwazi ukukwazi ukuwufumana. Lindela iinyanga ezimbini okanye ezintathu, ubuyekeze kwakhona uhlahlo lwabiwo-mali kunye neendleko ukuze ubone ukuba nayiphi na into ishintshile.
Fumana iNgcebiso ngeNgcebiso
Ngokuxhomekeke kwityala lakho, ingeniso, neendleko, umcebisi wezikweletu unokukwazi ukubhalisa kwisicwangciso solawulo lwetyala .
Kwi-DMP, ababolekisi bakho banciphisa umyinge wakho wenzala kunye nentlawulo yenyanga. Ukubanjwa kukuba awukwazi ukusebenzisa amakhadi akho ekweretyana ngelixa u-DMP (kungekhona ukuba ufanele uwasebenzise nangoko) kwaye inqaku liqhubeka ingxelo yakho yekhredithi ethi usebenza nomcebisi wezikweletu. Ungasebenzisa inzuzo yezinga lentlawulo ephantsi ngokuthumela iintlawulo ezinkulu zenyanga kunye nokucela umcebisi wezikweletu ukuba asebenzise intlawulo eyongezelelweyo kwinqanaba eliphezulu kuqala.