Kukho umahluko omkhulu phakathi kwimbali yekhredithi kunye nembali engabikhoyo kwimbali kunye nendlela ekuchaphazela ngayo amanqaku akho . Ukongezelela, unako ukufumana ilungelo lokuthenga indlu ngaphandle kokuba nekhadi lesikweletu. Ngoko ungagxumi ekwakheni iitaliti ngokukhawuleza ukuba uyazi ukuba unganakho ukuzithiba ukuze wenze ngokufanelekileyo.
Kodwa ukuba ulungele kwaye ufuna ukwakha i-credit yakho usebenzisa ikhadi lekhredithi, ezi nyathelo ezine ziyakunceda wenze njalo ngokufanelekileyo nangempumelelo.
Nciphisa inani lamakhadi onayo
Awudingi ngaphezulu kwekhadi lesikweletu. Oku kuquka amakhadi egesi, amakhadi esitolo kunye naluphi na uhlobo lwekhadi lesikweletu. Ikhadi lesikredithi yinto efunekayo. Ukuba unamakhadi amaninzi ekhredithi kubonakalisa kakubi kwingxelo yakho yekhredithi . Ukongezelela, ngelixa kunokuba lunzima ukuvula ikhadi lesikredenti lesitolo (uncedo, izaphulelo!) Oku kusenokuba yiyona nto ikhethekileyo xa uzama ukwakha i-credit.
Ngenye, bahlawula inzala ephakamileyo kakhulu. Izitolo ziyazi ukuba uninzi lwabantu aluhlawuli mali ngokugcwele inyanga nganye, oko kuthetha ukuba benza okungakumbi kunomdla kunokuba bakunike imali yokugcina imali. Kwaye sonke siyazi ukuba kunokuzama ukuchitha imali ongenayo xa kuthengiswa. Ungazami. Esikhundleni salokho, bambelela ngekhadi le-credit card elingaphantsi komrhumo ongekho mrhumo wonyaka kunye nomda omncinci wesikweletu xa uzama ukwakha i-credit yakho.
Ibhonasi xa ufumana ikhadi elibonelela ngembuyekezo emihle, njengemali ehambayo okanye ukuhamba ngeendwendwe, ezinokusindisa imali ekuhambeni kwexesha.
Gcina Imboleko Yakho Imilinganiselo Ephantsi
Xa uqala ukusebenzisa amakhadi-ngxowa-mali, kunokuzama ukusebenzisa ikhadi elinomlinganiselo ophezulu wesikweletu. Njengomqala-mboleko, awufuni ukwenza oku.
Qinisekisa ngekhadi lekredithi elinomlinganiselo osezantsi weentengo , ezifana ne-$ 500- $ 1,500. Oku kuya kukunceda uhlale kumkhondo kwaye ungaphumi kolawulo kunye nenkcitho yakho. Kuya kukukunceda ukuhlawula ibhalansi ngokugcwele inyanga nganye, yinjongo xa uzama ukwakha i-credit usebenzisa ikhadi lekhredithi.
Ungabiza kwaye ucele ukuba ibhanki yakho ayiyi kuphakamisa ngokukhawuleza umda wakho wemali . Oku kuya kukunqanda ukuba ungene kumatyala amaninzi, kwaye kukuthintele ukuba ungakwazi ukuhlawula ibhalansi ngokupheleleyo ngenyanga. Ukuba ugxininisa ekuhlawulelweni kwezi mali eziphantsi, kufuneka ukwazi ukukwazi ukwenza lula - kwaye ukhethe i-credit yakho kwinkqubo.
Ukuhlawula ibhalansi yakho ngeNyanga nganye
Uyakha umlando wakho wekhredithi ngokubonisa ukuba unembopheleleko ngokuhlawula iintlawulo zakho zenyanga ngexesha, nganye inyanga. Ngokuhlala kwiimali zakho ezihlahlo-mali-mali kuyo yonke imali yakho, kufuneka ukwazi ukwenza oku.
Unokuphepha ukuphatha umthwalo onomthwalo onzima ngokungakhange uhlawule into ongeke uyihlawule imali. Le nto ebaluleke kakhulu ongayenza ukubonisa ukuba unokulawula iimali zakho kunye nokwakha imbali yakho yekhredithi .
Gcina Imali Yakho Yesikweletu Esetyenzisiweyo
Ukusebenzisa imali enkulu yekhredithi yakho okanye phantse yonke i-credit yakho ekhoyo iya kwenza ukuba amanqaku akho ekhredithi aphule.
Ukuba uqhuba ibhalansi kwiinyanga ezimbalwa, qiniseka ukuba ugcina ibhalansi esetyenzisiweyo kwi- 30% yesilinganiso sakho semali.
Ukuba ibhalansi yesentimitha ephezulu kunale, (kwaye ingakumbi ukuba ifinyelela kumda), unokubona ukuhla kwamanqaku akho. Kubalulekile ukugcina oku engqondweni ukuba usebenzisa amakhadi akho ekhredithi ukuphucula umlinganiselo wakho wekhredithi.
Gwema iiNkonzo zamahhala eziza kunye nezicelo zeKhadi leKhadi
Unokufumana i-pizza yamahhala, i-t-shirts kunye nezinye izipho zokufaka isicelo sekhadi lesikweletu. Unokucinga ukuba ukutyikitya ukuze ufumane into ekhululekile okanye into oyifunayo ayiyi kubuhlungu. Ngaphezulu, unokukukhansela loo khadi kamva, kunene?
Enyanisweni, akukho. Njalo xa uvula ikhadi lekhredithi, umlinganiselo wakho wekhredithi unokuthatha i-hit. Ikhadi lakho lekhredithi linokudibanisa ukuba unamakhadi amaninzi avulekileyo.
Ngaphezulu, amakhadi akhansekileyo aboniswa kwingxelo yakho yekhredithi. Ngoko zigcine ingxaki ngokungazenzi. Oku kuya kukusindisa imali kunye nexesha elide.
Iingcebiso:
Enye inketho kukuqwalasela ukusebenzisa ikhadi lokuthenga ngetyala . Oku kukunika ithuba lokusingatha imali yakho ngokufanelekileyo kwaye ubonisa ukuba ulungele ukufaka isicelo sekhadi lesikweletu kunye nomgca wekhredithi emva kweenyanga ezimbalwa.
Kufuneka uqiniseke ukuba ulungele imali ngokusingatha ikhadi lekhredithi ngaphambi kokufaka isicelo sesinye. Oku kuthetha ukuba unako ukunamathela kubhajethi yakho yenyanga, kwaye uyazi ukuba uya kukwazi ukuyihlawula ngokugcwele inyanga nganye.
Kubalulekile ukuqaphela ukuba amakhadi enkoleko awayingozi . Nangona kunjalo, banokulawulwa kakubi, kwaye ukuba awukwazi ukuziphatha ngokufanelekileyo unokuphelela kwiinkathazo ezininzi zemali. Ukuba uyazi ukuba awuyi kuba noxanduva lokubasebenzisa, kungcono ukuba ungabi nawo.
Ukuhlaziywa nguRachel Morgan Cautero.