Ukuqonda Imali
Ikhadi lesikweletu lihlobo lombonakalo okanye ngekhompyutheni yemali - yindlela yokwenza intengiso.
Ngaphambi kokuba ungasebenzise ngokufanelekileyo ikhadi lekhredithi, kufuneka uqonde ukuphathwa kwemali eyisiseko, umzekelo, ukuba imali ifunyenwe, unokuchitha imali ekhoyo kuwe, kwaye idola ngalinye olichithayo lisusa kulokho ufumane khona. Xa uphelelwa yimali, awukwazi ukuchitha ngaphezu kokuba ufumane ngaphezulu, ngoko kubalulekile ukwenza izigqibo ezichanekileyo zokuchitha.
Qonda ukuboleka nokuhlawula.
Ikhadi lesikwerethi luhlobo "lokuvuleka okuvulekileyo" okanye umboleko ovukelayo onokuwuboleka ngokuqhubekayo ngokude uhlala ngokwemimiselo (ngokumalunga nomboleko ovalelwe ukuba uboleke kanye kuphela).
Nanini na xa uboleka imali, nokuba, ukusuka ebhankini okanye kumhlobo, kufuneka wazi oko umboleki okulindele kuwe. Ngokukodwa, xa ufanele uhlawule kwakhona, isixa seentlawulo, kunye nomhla wokuhlawula nganye kufuneka. Ukongeza, kufuneka ukwazi ukuba kwenzekani xa ungazalisekisi oko kulindeleke kuwe , umzekelo ukuba awuyikuhlawula imali ngexesha.
Uyakwazi ukudibanisa amaxesha okufa
Isitatimende senkokhelo yenyanga siya kuba yikhumbuzo sakho kuphela sokukhupha ikhadi lakho lesikweletu kukuxelela ukuba isitatimenti sakho siza ngenxa. Ngethamsanqa, lakho ikhadi lokuthenga ngetyala ngenxa yokuhlawulwa liza kubakho ngosuku olufanayo nyanga zonke, ngoko kuya kuba lula ukuhlala kunye nabo.
Ukuze uzilungiselele ikhadi lekhredithi, fumana umkhwa wokukhumbula nokulungiselela imihla ebalulekileyo ngaphandle kokuba umntu akukhumbuze.
Unokuza kunye nenkqubo yokukhumbula iintsuku ezifanelekileyo , njenge-app yekhalenda kwifowuni yakho, kodwa sebenzisa inkqubo enokuthenjwa kwaye ehambelana.
Lawula i-Akhawunti yokujonga
Kufuneka ube nembali eqinileyo yokusingatha i-akhawunti yakho yokujonga ngaphandle kokugqithisa imali ngaphambi kokuqwalasela ikhadi lesikweletu. Uyenza njani loo nto? Yenza idibansi rhoqo kwiakhawunti yakho yokujonga, ulinganise i-checkbook yakho, yenze umkhwa wokujonga ibhalansi ye-akhawunti ngaphambi kokuba uchithe, kwaye ungalokothi ubhale isheke okanye utshintshe ikhadi lakho lokubambisa ngaphezu kwe-balance balance.
Qonda ukuba Iikariti zisebenza njani
Amakhadi a khredithi ahluke kwiintlobo zeemveliso zemali oye waziphatha ngoku. Awukwazi ukubona imali oyichithayo kwaye awuyi kuchitha imali oyenayo. Kunoko, uboleka imali ofuneka uyihlawule ngembuyekezo yakho yexesha elizayo.
Iimpawu zamakhadi ezisiseko eziqhelekileyo zilula: unokuboleka imali ethile (umda wakho wemali) xa nje uthumela inkokhelo encinci ngosuku olufunekayo ngenyanga. Kukho imiphumo xa uboleka kakhulu (hamba ngaphaya komda), thumela ngaphantsi kweyona ntlawulo encinci, okanye uthumele umvuzo osisiseko.