Izibonelelo zokuhlala ngaphandle kwetyala zilula ukuqonda, kodwa kubalulekile ukwazi ukuba yiyiphi imingeni oyakujongana nayo nendlela yokuyithintela xa uyeka ukudlala umdlalo wekhredithi.
Ukungasebenzisi ityala kuthetha ukuba awuyi kuba nembali yekhredithi uza kuba nomlinganiselo ophantsi wekhredithi. Oku kungenza kube nzima ukuthenga izinto, kwaye ukungena kwakhona kwihlabathi leenqaku zemali-mboleko kunokuba buhlungu ukuba izicwangciso zakho ziguquka.
Ukugcina okungakumbi, ukuchitha imali encinane
Enye yemingeni enkulu yempilo yokuhlawula iitalato ihlawula yonke into ngemali. Akufuneki kube yimali yemali; ingaba ikhadi lomdaka. Ukuthengwa okukhulu, oku kunokuba nzima.
Uya kufuneka ugcine imali eninzi ukuthenga isithuthi ngaphandle kokuxhaswa, kwaye kunzima ukuthenga ikhaya. Ukuba awuyi kuboleka, kuthatha ixesha elingaphezulu, ukonga ngaphezulu okanye zombini ukuthenga izinto ezinkulu. Kubantu abaninzi, isisombululo esikhethiweyo kukulinda ixesha elide ukuthenga-nokuthenga izinto ezincinci.
Indlela yokuchitha ngaphandle kweKhadi leMboleko
- Iindleko zemihla ngemihla: Unokuhlawula iindleko zemihla ngemihla-ukutya, izixhobo, ukuzizonwabisa, ukutya, njl. I-Cash yenza ukuba uhlahlo lwabiwo-mali lube lula xa usebenzisa i- envelope indlela , kodwa ukugcina imali ngeenxa zonke kuyingozi. Ikhadi lokukhangela elixhunyaniswe neakhawunti yakho yokutshekisha ikunika konke ukulungeleka kwekhadi lesikweletu, kodwa uya kuchitha imali oyenayo.
- Iindleko zenyanga: Ukuba ukhule ngokuqhelekileyo ukuhlawula iindleko zenyanga, ezifana nefowuni yakho, izibonelelo, okanye ubulungu bokubamba iqela ngekhadi lesikweletu, umkhuba olula ukuwaphula. Tshintshela kwiintlawulo zebhilikhi ze-intanethi ukuze ibhanki yakho ithumele imali kwi-biller yakho ngetshekhi okanye ukutshintshwa kwekhompyutha. Nje ngekhadi lesikweletu, unokubeka izinto ukwenzela ukuba intlawulo ihambe ngokuzenzekelayo. Ngaphandle koko, unokuhlawulela ezi bhilidi ngekhadi lakho lokubambisa.
- Amakhadi ahlawulwayo: Ukuba unayo i-akhawunti yokujonga, ungasebenzisa ikhadi lokubhadela elihlawulwa ngaphambili endaweni yekhadi lokukhawuleza. Amakhadi ahlawulwe kuqala "alayishwe" ngemali ngaphambi kokuba uwasebenzise, ngoko unako ukuswayipha ikhadi okanye wenze iintlawulo zentlawulo ye-intanethi kwi-balance balance. Ikhadi liyayeka ukusebenza emva kokusebenzisa ibhalansi yakho.
- Umrhumo ngamakhadi-ngxowa-mali: Amakhadi e- Debit kunye namakhadi ahlawulwe kuqala asemali kwimali yansuku zonke kuneekhadi lamatyala. Ukuba umntu utheba inombolo yakho yekhadi yebhanki kwaye uhlawula iindleko, ezo mali zivela ngqo kwi-akhawunti yakho yokujonga. Ngokuqhelekileyo ukhuselwe kukukhwabanisa kunye neephene , kodwa uya kufuneka uxelele ibhanki yakho ngokukhawuleza ukuba ukhusele ngakumbi. Ingxaki yangempela kukuba i-akhawunti yakho inokutshatyalaliswa okwesikhashana, ibangele ukuba ufumane iintlawulo , kwaye oku kungakhokelela kwimpembelelo ye-messes yokucoca. Xa inombolo yakho yekhadi lesikweleti ibanjwe, amasela achitha imali yomthengisi wekhadi, ekunika ixesha lokuhlambulula yonke into ngaphandle kokufumana i-akhawunti yakho yokujonga.
- Iimali eziqingqiweyo : Amakhadi e-Debit angabangela ingxaki xa ikhadi ibhalwa ngaphambi kokuba inani elichanekileyo lokusebenzisa imali liyaziwa. Oku kwenzekayo xa urenta imoto okanye igumbi lehotele, okanye xa uvula itabhu kwi-nightclub. Umrhwebi uza kuqala ugunyaze ikhadi lakho kwaye uvale ngexeshana imali kwiakhawunti yakho yokujonga . Ezi zityholo kufuneka ziwe emva kweentsuku ezimbalwa, kodwa iindleko ezininzi kunye neakhawunti yokutshekisha ehamba phantsi ingabangela ingxaki. Unokuba nemali eninzi, kodwa ukuba ibhanki ayiyi kukuvumela ukuba isebenzise imali yakho, ikariti yakho iya kunqatshwa kwaye ukuhlolisisa kuya kukhangela. Gcina i-buffer eyongezelelweyo yemali ekuhloliseni ukukhusela iingxaki, kwaye ujonge ibhalansi yakho ye- akhawunti ekhoyo rhoqo.
- Ikhadi lokudinga elifunekayo: Amakhadi e-Debit asebenza phantse yonke indawo, nangona ifom ye-intanethi ikucela ukuba ufake inombolo yekhadi lesikweletu. Kwiimeko ezinqabileyo, i-agency yokuqeshisa imoto iya kufuna ikhadi lekhredithi endaweni yekhadi lokubambisa ukwenza ukugcinwa. Khangela kwangaphambili ixesha lamkelwe ngamakhadi okanye zeziphi iimfuno ukuba unayo ikhadi lebit debit, ngakumbi ukuba ufuna ukurenta imoto.
Ukuthenga ikhaya
Kweminye, ukuphazamiseka kokuboleka kuphelile ekuthengeni ikhaya. Ungagcina kwaye uhlawule imali ngezinye izinto, kodwa amakhaya angakhathaza amakhulu amabini eedola, okuza kuthatha amashumi eminyaka ukugcina ngokukhulu ukuthengwa kwabathengi abaninzi. Ukuba uthatha isigqibo sokufumana umboleko wempahla, kuya kufuneka usebenze kancinci kunabaninzi ababolekayo ngenxa yokungabi nesikweletu sakho.
- Inkokhelo engaphezulu: Uya kufuneka ufumaneke ngokusekelwe kwimiba "engafanelekanga" endaweni ye- FICO yemveli yamanqaku okuthenga umboleko. Oku kunciphisa inani lababolekisi oza kukwazi ukusebenza nabo kuba abanye ababolekisi bangakhetha ukucinga ngaphandle kwebhokisi. Kwakhona iyanciphisa iintlobo zemboleko ezikhoyo. Unokufumana umboleko oqinisekisiwe nguRhulumente wase-US, njenge-FHA mboleko . Ukuze uqinisekise ukuthenga ngetyala lakho, ababolekisi baya kufuna ulwazi malunga neentlawulo ezihlala zihlala ngexesha, ezifana nerenti, izibonelelo kunye neepresimesi zomshuwalense. Qinisekisa ukuba uhlawula ngexesha ubuncinane kwiinyanga ezili-12 ngaphambi kokufaka isicelo semboleko.
- Ingeniso: Enye into ebalulekileyo yingeniso oyifumanekayo yokubuyiselwa kwemboleko mboleko. Xa ukwenza ukubhala phantsi kwencwadi- yintoni oya kuyidinga ukuba unabo abanomdli-mboleko-bendabuko kunokwenzeka ukuba babone isilinganiso sakho semali-ngeniso engaphantsi kwamaphesenti angama-43, kwaye uhle ungcono.
- Izibonelelo: Kukunceda nokuba nemali ebhankini. Ukuba ungelo-mkhululi-ntlawulo, mhlawumbi ukhona kakade. Ukuba ukhuselekileyo ngokwezimali, unako ukufumana imvume, nangaphandle kwembali yekhredithi.
- Ukuzinza: Ababoleki bafuna into eqinisekileyo, okanye ubuncinci basondele kuyo njengoko banokufumana. Umlando omdala wengqesho uncedo kuba ubonisa ukuba uza kuqhubeka nokufumana imali engenayo. Icandelo osebenzayo nalo linokuba yinto. Umsebenzi wexesha lithembeke kakhulu, ngelixa umsebenzi wengingqi kaninzi uthathwa njengolukhuselekileyo.
- Ixesha lokuvala: Ngaphandle kwamanqaku esikweletu emveli, kuya kuthatha ixesha elide kunexesha eliqhelekileyo ukufumana mboleko. Incwadi yokubhala phantsi yinkqubo enzima yomsebenzi kuba umntu kufuneka ahlole kwaye ahlole zonke iinkcukacha. Oku kuyingozi kakhulu ukuba uthengisa kwimarike yomdayisi, kwaye kunokukhathazeka. Qalisa kwinkqubo ngokukhawuleza xa uhlala kwindawo emakethe eshushu, ixesha elide ngaphambi kokuba wenze isipho.
Ngaba kufuneka Ulahlekelwe Ngetyala?
Ngaphambi kokuba utyelele ityala elungileyo, yesazi ukuba kutheni ufuna ukuthenga i-credit ukuze wenze isinqumo esithile esinolwazi sokwenza ngaphandle.
- Akufanele ihlawule imali yokwakha i-credit kunye nokugcina amanqaku amanqaku aphezulu. Uhlawula umvuzo xa uboleka imali. Ukuba awuyi kuboleka, sebenzisa ikhadi lokuthenga ngetyala ngeentsuku zentsuku kwaye uhlawule ikhadi ngalinye inyanga. Unemizuzu engama-30 yomsa phambi kokuba iindleko zenzalo zihlawulwe, ngoko awukwazi ukuhlawula ipenny inzala, ugcine i-credit yakho, kwaye ube nekhuseleko elongezelelweyo lekhadi lesikweletu.
- Ukuba ufune imali , kukuhle ukuba ube nembali ethe Kwakhona, ityala liyingxaki nje kuphela xa lihlala lide ixesha elide. Unokugcina ikhadi lekhredithi elivulekileyo kwiimeko eziphuthumayo-nje ungayisebenzisi ukuthenga okungaphezulu kunokuba unakho ukuthenga. Ukuphila ngaphandle kwetyala kuyabonakala, ngakumbi emva kokubona amaxesha anzima. Kodwa ukuba utshintshe ingqondo yakho kwaye ufuna ukuboleka, kuya kufuneka uqale ukususela emva kokuba uvumele ikhredithi yakho yomeke ngokupheleleyo.
- Awukwazi ukusula ixesha elidlulileyo. Nangona uhamba ngaphandle kwetyala, umlando wakho wekhredithi ukhona, kwaye unokuqhubeka nokudala iingxaki. Iingxowa ziya kulahla iingxelo zakho zekredithi ekugqibeleni, kwaye abaqokeleli abanakuzama ukuqokelela emva kokuba ummiselo wokunciphisa uphumelele, kodwa oko kuthatha iminyaka emininzi.
- Ukuchitha ingxaki. Amakhadi okuthenga ngetyala kunye nemali-mboleko elula kunokukukhohlisa kwi-trap. Inhlanhla kunye neengxaki zempilo zingenza izinto zibe zibi nakakhulu. Umsebenzi obaluleke kakhulu kukuqonda apho imali yakho iya khona kwaye kutheni uye wachitha indlela onayo. Yenza isicwangciso esiyiyo kwaye amathuba akho okuphumelela aphucule ngakumbi.