Sonke siqala ngaphandle kwekhredithi, slate ecocekileyo ngendlela. Yonke inkokhelo eyenzayo ukusuka kwithuba ovula ngayo i-akhawunti yakho yokuqala iya kukuhambisa kwi-credit card okanye i-credit card. Uninzi lwabantu lunokugwema i-ngetyala engalunganga ngokwenza ukhetho olufanelekileyo ngetyala nakwezinye iakhawunti zezimali.
Bhatala iindleko zakho ngexesha ngalinye ngenyanga.
Le yinto enye enokuyenza nganye inyanga enye ukuze ugweme ityala elibi.
Imbali yentlawulo yinto ebalulekileyo echaphazela amanqaku akho okwekhredithi , ngoko akumangalisi ukuba iintlawulo ezingekhoyo (ngeentsuku ezingama-30 okanye ngaphezulu) zingonakalisa amanqaku akho. Ukuhlawulwa kwexesha elilodwa kunokunciphisa amanqaku akho ekhredithi kunye neentlawulo ezilandelelanayo emva kweentlawulo zingakhokelela kwizinto ezimbi ngokufana nokuvalwa, ukuhlaziya, ukuhlawula imali kunye nokuqokelela.
Oku kusebenza nakwii-akhawunti ezingabonakali kwiivenkile zemali-mboleko, njenge-bill cell phone okanye inkonzo yombane. Xa uwela kakhulu emva, i-akhawunti ingathunyelwa kwi- ejensi yokuqokelela kwaye iya kuphantse ibhalwe kwi-akhawunti yakho ye-credit. Nangona into elula njengetayibrari ingalimaza amanqaku akho.
Yazi ukuba yiyiphi iindleko ezixelayo kwii-credit bureaus.
Kukho iinyanga ozibophelelwe ngemali kwaye awukwazi ukuhlawula yonke into. Ngelishwa, unokwenza uhlawule ezinye iindleko kwaye unqumle abanye . Ukukhusela umlinganiselo wakho wekhredithi kuthetha ukuhlala okwangoku kuzo zonke iindleko kwingxelo yakho yekhredithi - amakhadi-ngetyala, iimali-mboleko, ukuboleka imali, njl.
Oko akuthethi ukuba ufanele uwahoye ezinye iindleko zakho, ngenxa yokuba ushiywe ungahlawulwa, nabo baya ku gqibela bathathe umrhumo kwi-credit yakho. Ukuba kufuneka uweqe isibhaso-mali, ube nesicwangciso esiqinileyo sokubanjwa.
Musa ukuthatha ityala elininzi.
Inqanaba lakho letyala liyinto yesibini ebalulekileyo echaphazela amanqaku akho.
Amanqaku okuthenga ngetyala awakucinge nje kuphela inani letyala onalo lonke kodwa nokuba nendlela yokulinganisela ngayo ikhadi lakho lesikwereti lilinganisa nemilinganiselo yakho yemali-mboleko ( ukusetyenziswa kwetyala lakho ) kunye nokuba izilinganiso zemali-mboleko ziqhathaniswa njani nomyinge wesibolekiso sangaphambili. Gcina ukulinganisela kwekhadi lakho lesikwereti phantsi kwaye wenze iintlawulo zakho zemali-mboleko rhoqo ukuba unciphise inani lesityala onalo.
Isixa semali enakho sinokuchaphazela nemikhwa yakho yokuhlawula. Unamatyala amaninzi angenza kube nzima ukwenza iintlawulo zakho zenyanga zenze ulahleke iintlawulo. Qaphela iimpawu zokuba netyala elininzi kwaye unciphise iindleko zakho zekhadi lokuthenga ngetyala ngaphambi kokungena entloko yakho.
Yenza kakuhle ekulawuleni imali yakho.
Ukuba unemali ngemali, mhlawumbi unenkathazo yokwenza i-credit yakho kunye neentlawulo zemboleko. Ikhredithi embi ingayilandela kamva. Ukuba nomncedi ngemali kunenzuzo kuyo yonke indawo. Ikugcina uphuma kwetyala, inceda ukukhusela amanqaku akho, kwaye ikuvumela ukuba ufinyelele iinjongo zakho zemali.
Cinga ngaphambi kokuba uthathe iindleko ezintsha.
Iindleko zenyanga nganye, nokuba ziphucula inkonzo yakho yefowuni okanye ukuthenga imoto entsha, inokuchaphazela ukukwazi ukufikelela ekupheleni. Ngokuqhelekileyo, songeza iindleko zenyanga zenyanga ngaphandle kokuqwalasela ukuba kuya kuthinta njani ukukwazi ukuhlawula zonke ezinye iindleko.
Ngaphambi kokuba wenze into ethile, qwa lasela ukuba kuya kuthintela njani uhlahlo lwabiwo mali .
Nciphise izicelo zakho zekhadi lesikweletu.
Isicelo ngasinye sekhredithi owenzayo songeza inkcazelo kwingxelo yakho yekhredithi . Le mibuzo i-10% yamanqaku akho ekwerethi kwaye inokusilahla amanqaku amaninzi ngokuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi. Ngaphandle kokuba nemibuzo emininzi kakhulu, ezininzi izicelo zekhadi zekhredithi nazo zinokuthetha ezininzi zamakhadi-ngetyala, amanqaku amaninzi, kunye neentlawulo ezininzi zokuqhubeka nazo.
Qaphela xa unenkathazo.
Ukuba imali iqinile, musa ukukhawuleza kumakhadi wesikweletu ukuze ugcine. Kunoko, ncitshitshise imali kwaye usebenze nzima ukuhlala ngeendlela zakho. Ukuzisa ingeniso eyongezelelweyo ekusebenzeni ixesha elingaphezulu kwexesha, ukuxhaswa kwizinto zokuzilibazisa, ukuthengiswa kweevenkile, okanye ukufumana umsebenzi wesibini kunokufuneka ukuba uqinisekise ukuba unokuqhubeka nokufikelela kwimigangatho.
Ukwakha ukugcina impilo.
Ibhalansi yeBhanki ayifakwanga kumanqaku akho ekhredithi, ngoko ukugcina imali ayiyi kuphazamisa ngqo umlinganiselo wakho wekhredithi. Kodwa ukugcinwa kwemali kuza kukunceda ukuphepha ezinye zeengxaki ezikhokelela kwingxowa-mali engalunganga. Ngokomzekelo, imali yengxowa yemvula inokuza kunceda wenze ityala kunye nezinye iintlawulo xa uninzi lweendleko ezingalindelekanga.
Ngamanye amaxesha utshintsho olukhulu lobomi lunokuphazamisa ubomi bakho ukwenza kube nzima ukugcina ikhredithi yakho ihambelana. Ukulahlekelwa ngumthandayo. Ukungasebenzi. Ukulimala. Uqhawulo. Ngamanye amaxesha into engcono kakhulu ongayenza ukuze uphile kwaye ugcine i-credit yakho yinto yokugqibela engqondweni yakho. Ungaxhalabi. Fumana isiseko sakho kwaye usebenze ekwakhiweni kwekhredithi yakho emva kokuba uzinzile kwaye ubuyele kwienyawo zakho kwakhona.