Phuma kwetyala ngokugxila kwikhadi lakho elibiza kakhulu
Enyanisweni, umzi waseMerika onomlinganiselo wekhadi lokuthenga ngetyala ngee-$ 10,000, kwaye i-matyala epheleleyo ekhuselweyo (ekhokelela ngokukodwa ngamatyala e-credit card) e-US isondele kwi $ 1 trillion.
Imali eninzi.
Ukuba netyala lekhadi lekhredithi elichaphazelekayo lichaphazela amanqaku ekhredithi yakho , iindleko eninzi inzala kwaye inokuthintela ukuba wenze ukuthenga okukhulu, njengendlu okanye imoto. Ngethamsanqa, kukho izicwangciso ongazisebenzisayo ukuqala ukuhlawula ibhalansi yakho, ekugqibeleni (ekugqibeleni) iya kunciphisa intlawulo yakho yamaphepha ekhredithi ngenyanga.
Yiyiphi i-Credit Card Minimum Payments?
Amabhanki amaninzi ase-US afuna ukuba abanini bekhadi lokuthenga ngetyala banokuhlawula i-4% yabo ibhalansi nganye nyanga (oku kunyuka ukusuka kwi-2% yeminyaka ebhalisiweyo yeminyaka edlulileyo emva kokuphazamiseka kwemali ngo-2007 ukuya ku-2009). Ngexesha lokunyusa, oku kuvelisa ukutshatyalaliswa kwesitampu (kunye nemiphumo eyingozi nakakhulu kulabo abaye baxakeka ngokwezimali ngokwabo).
Kodwa ekuhambeni kwexesha, bekuyiindaba ezilungileyo kubaxhasi, ekubeni baphoqelelwe ukuhlawula ubuncinane ubuncinane benyanga.
Khangela ngale ndlela: ukuhlawula i-2% yempembelelo yakho inyanga nganye ihamba ngokukhawuleza, kwaye amaqabunga amancinci angayifaka isicelo sakho kwibhalansi yakho.
Yingakho, ukuba unetyala elingama-2,000 okanye ngaphezulu, kwaye uhlawula kuphela ibhalansi encinci ye-2% inyanga nganye, kuya kuthatha iminyaka engama-30 ukuhlawula ibhalansi yakho nangona ungahlawulanga enye ipenki.
Ngokuhlawula i-4% nyanga zonke, uhlawula ngokwaneleyo ukugubungela umdla kwaye unelungelo lokushiya ukwenzela ukuba uhlawule ibhalansi yakho kwiminyaka eyi-10 ukuya kwe-12 ukuba awufaki iindleko ezintsha.
Kuhle ukuba uza kuphuma kwetyala ngokukhawuleza kwaye uya kuhlawula inzala encinane ngaphezu kweminyaka (amawaka eedola kubantu abaninzi).
Indlela yokuhlawula phantsi iiKhadi zeMatyala ngokukhawuleza
Njengoko unako ukuqokelela ukusuka kumzekelo ongentla, inzuzo yakho ngemali ukuba uhlawule ngaphezu kwenyanga nganye kwi-credit card yakho. Yilokho omele uzame ukukwenza.
Ngoku, oku akulula, kwaye abantu abaninzi badikibala xa bejonga ngokubambisene nemali yabo, ngakumbi xa batyululwe. Kodwa akudingeki ukhulise iintlawulo zakho ngamakhulu eedola inyanga nganye - ukubeka imali encinci kwimali yekhadi lesikweletu kunokungongeza ngokukhawuleza ngokukhawuleza.
Nazi a ma nyathelo omele uwathathe:
- Hamba ngeekhadi lakho lekredithi (abaninzi abantu banabantu abangaphezu kweyodwa kunye nomlinganiselo) kwaye banqume ukuba ngubani ophethe ixabiso lentengo ephezulu. Gxila kulowo.
- Qinisekisa ukuba ungakanani umvuzo onako ukuhlawula kuloo khadi nganye inyanga nganye, kwaye uyibeke eceleni. Cinga ukudala intlawulo ngokuzenzekelayo ukuze ungalingeki ukuba usebenzise enye into.
- Ungakhathazeki malunga nokuba kuya kuthatha ixesha elingakanani ukuhlawula ikhadi. Hlalani nenza ezo ntlawulo ezongezelelweyo, ukuhlaziya kwakhona iimali zakho ngezikhathi ezithile ukuze ubone ukuba unako ukufumana nayiphi na enye eyongezelelweyo kwimali.
- Bhatala iintlawulo ezincinci kwamanye amakhadi onayo.
- Emva kokuba uhlawule loo khadi (kungakhathaliseki ukuba kuthathe ixesha elingakanani), khetha ikaritha elilandelayo ngenani lentengo ephezulu, kwaye uqale ukuhlawula loo nto. Ekubeni uye wacacisa enye intlawulo yenyanga ngenyanga ngokuhlawula ikhadi lokuqala, eli khadi liya kuba lula.
- Phinda ubhawuleze ude ususe zonke iitaliti zakho zekhadi lesikweletu.
Kwakhona, ngelixa uphakathi kwenkqubo, cinga kabini ngokukongeza nayiphi na amatyala kumakhadi wakho ekwereta. Cinga ukubeka eceleni ikhadi elinye (ngethemba lokuba enye ingenayo ibhalansi kuyo) kwiindleko zentsapho, uhlahlo lwabiwo mali, kwaye uhlawule ibhalansi efunekayo ekhadini nganye nyanga.