Indlela Ukunyuka kweeCash kuNinzi kwiNdleko kunye nokukhokelela kwiTyala
Ukusebenzisa ikhadi lakho lekredithi ukurhoxisa imali kwi-ATM, usebenzisa enye yokukhawulwa kwekhadi- ukukhangela okulula, okanye ukusebenzisa ikhadi lakho lesikweletu njengokhuseleko lwe-overdraft zonke iindlela zokukhupha i-credit card yakho.
Kungenzeka kube lula ukukhupha imali ngaphambi komda wakho wesikweletu, kodwa kufuneka uphephe ukhetho ngaphandle koxinzelelo olubi kakhulu .
Kutheni iCredit Card Cash Development Income kakhulu
Inkqubela phambili yemali yinye yeendleko ezininzi kakhulu zokuthengiswa kwekhadi lesikweletu. Kungenxa yokuba zithengwa ngexabiso elihlukile kunezinye ukuthenga kunye nokuhanjiswa kwemali.
Imali yokuhlawula imali
Ukuqhubela phambili kwemali kuhlawuliswa imali engaphambili yokuhlawulwa kwemali eyinqanaba elincinci lepesenti okanye iphesenti yenani lemali esengaphambili . Ngokomzekelo, imimiselo yekhadi lesikweletu ingathi imali engaphambili yokuhlawulwa kwemali yi-$ 5 okanye i-5%, nayiphi na enkulu. Ngaphantsi kwalo mqathango umrhumo we-$ 75 wangaphambili uza kuba yi-$ 5, kuba u-5% we-$ 75 ngu-3.75. Intlawulo kwi-$ 150 yangaphambili yemali iya kuba yi-$ 7.50, ibe yi-5% yemali ehamba phambili.
Imali yokuhlawula imali yangaphambili isuka kwi-2% ukuya kwi-5% yemali esengaphambili yemali, kunye namakhadi angaphezulu okwekhredithi ehlawulisa ekupheleni.
Imirhumo yeATM
Ukongeza kwintlawulo engaphambili yemali, uza kuhlawuliswa umrhumo we-ATM, phakathi kwe-$ 2 kunye ne-5, ngokuxhomekeke kwi-ATM yasebhanki oyisebenzisayo.
Umsebenzisi we-ATM kunye nomniki wekhadi lakho lekhredithi bangabahlawula umrhumo we-ATM.
Umdla o phezulu
Inkcitho ihamba phambili isoloko inomyinge ophezulu ophezulu kunomyinge wokuthenga kunye nokuhanjiswa kwemali. Ukucinga ukuba uhlawule ibhalansi nganye kwisilinganiso esifanayo, uza kuhlawula inzala engaphezulu kwi-$ 500 yangaphambili kwimali ngaphezu kwetaiti ye-plane ye-$ 500, umzekelo.
Kuthatha ixesha elide ukuba uhlawule imali engaphambili, inzala eninzi uza kuhlawula.
Akukho xesha lobabalo
Uninzi lwekhadi lekhredithi aliniki ithuba lokubonga ngemali. Oko kuthetha ukuba awufumani umjikelo opheleleyo wokuhlawula ukuhlawula ngokupheleleyo kwaye ugweme imali yentlawulo. Inzala iqala ukunyuka ukusuka kumhla wokuthengiselana ususa iakhawunti yakho yekhadi lekhredithi. Ungalindelanga de i-bill yakho ifike ukuhlawulela ibhalansi ukuba ufuna ukunciphisa umdla owuhlawula ngawo. Ukuba loo nto ibhalansi kuphela kwikhadi lakho lesikweletu, lihlawule ngokukhawuleza.
Imirhumo yokunikezelwa kwemali
Umthetho wase-Federal ufuna abakhishi bekhadi lokuthenga ngetyala ukuba bafake inkokhelo encinci kwimali-mboleko enexabiso eliphezulu. Kodwa, nantoni na ngaphezu kweyona nto incinci, abakhupheli bekhadi lesikweletu bangafaka isicelo ngokwabo. Ngokuqhelekileyo, iintlawulo ezingaphantsi kwezona zincinci zisetyenziselwa ibhalansi yerhafu ephantsi kakhulu eyenza ithathe ixesha elide ukuhlawula ibhalansi yemali engaphambili. Yaye ukuhlawula ixesha elide kuthetha ukuba uya kuhlawula umdla osekude.
Unokuba ne-Big Cash Flow Problem
Ukuba kufuneka uthabathe imali engaphambili kunokuba ngumqondiso weengxaki zemali ezinkulu. Ngokufanelekileyo, kufuneka ube nenzuzo eyaneleyo yokuhlangabezana nazo zonke iimfanelo zakho zemali. Khawuqwalasele oku: ukuba unayo imali eyaneleyo yokuhlawula iimali zakho kunye nezinye iindleko, uza kuba nemali eyaneleyo yokuhlawula ityala lakho lekhadi lesikweletu xa lifika?
Abantu abaye bathatha imali ekuqhubekeni kwemali banokungagqibekanga kwikhadi lekhredithi kunabantu abangenayo. Le nxalenye yesizathu sokuba ixabiso lentengo kwimpumelelo yekheshi liphezulu. Kwakhona kuthetha ukuba usemngciphekweni wokuwa emva kweentlawulo zekhadi lakho lekhredithi ukuba kufuneka uthabathe phambili imali.
Ukuba ufumanisa ukuba uhlala usebenzisa ukunyuka kwemali ukuhlawula izinto, ngokukodwa izinto ezifana nokuthengwa kunye nezibonelelo zesebenzisi, lixesha lokujonga ngokuthe ngqo uhlahlo lwabiwo-mali kunye nokuchitha.