Usube ne-Matyala okwaneleyo
Ngowokuqala kwimbali, ityala lomboleko lomfundi liye lagqithisa ityala lekhadi lesikweletu. Abafundi abasanda kuphuma bephuma kwikholejini baxutywe ngamashumi amawaka eedola. Ngeentlawulo zenyanga zamatyala ngokukhululekileyo kumakhulu, akenzi ukuqonda kakuhle kwemali ukuthatha iindleko zenyanga zenyanga.
Ngokufanayo, abantu abanemali yokubolekwa kwemali okanye yemali mboleko mboleko banokugqiba nokuyeka amakhadi-kredari baze banciphise iimbopheleleko zabo zamatyala.
Ucinga ukuba Unokuthi uguqule
Abantu abanemikhwa emibi yokuchitha imali bazibeka esichengeni seengxaki zemali ngokufumana ikhadi lekhredithi. Ucwaningo luye lwabonisa ukuba abantu bachitha ngaphezulu ngekhredithi kunokuba babe nemali. Ukuba sele usuyazi ukuba unomdla wokuba ungene kwi-overboard kunye nokuchitha imali, kubulumko ukuyeka ukufumana ikhadi lesikweletu kunokuba ungene kwiingxaki zesikweletu.
Awunayo Imali eyaneleyo yokuhlawula i-Credit Card Balance
Ukuba usebenza kuphela ngexesha, ixesha lesahlulo, okanye akunjalo nonke, unokuba unayo imali eyaneleyo yokuhlawula ibhalansi yekhadi lesikweletu. Ukufumana ikhadi lekhredithi ngaphandle kwemali eyaneleyo yokuhlawula i-bill kungakhokelela kwiinkxalabo zetyala kunye ne-credit card.
Awuyiqondi Iikhadi leMatyala Okwaneleyo kunjalo
Xa unamava ngamakhadi wesikweletu, unokucinga ukuba ukusebenzisa ikhadi lokuthenga ngetyala nge-cinch.
Kukho okungaphezulu kunoko ukusebenzisa ikhadi lekhredithi ngokuchanekileyo kunokuba uyiguqule ukuthenga. Ngombulelo, kukho itoni yenkcazelo kwi-intanethi engakwazi ukuphula indlela amakhadi ekwereti asebenza ngayo nendlela yokuwasebenzisa ngokuhlakanipha . Emva kokuba uqonda indlela amakhadi ekwereti asebenza ngayo, usesikweni esingcono sokufumana ikhadi lekhredithi kwaye ulisebenzise ngokufanelekileyo.
Unokubambisana ngokuthe ngqo ngeeMithetho oyiNkundla oyiNayo
Ukuba wenza imali eyaneleyo yokufumana ikariti yekhredithi , kodwa sele unayo iindleko ezininzi, ukongeza ikhadi lekhredithi kwiimbopheleleko zakho zangoku akuyona ingcamango enkulu. Sebenza ekupheliseni ezinye zeebhilikhwe zakho nokunciphisa imali yakho ngaphambi kokuba ungeze ikhadi lekhredithi kumxube.
Awunelungelo lezeMali
Kuthatha ubuninzi bokuzithiba nokuzimela ukuze usebenzise amakhadi esikweleti ngendlela efanelekileyo. Ngaphandle kwezi zakhono, unokukwazi ukuzisebenzisa ngokwakho kumawaka eedola kwiityala kwaye uchithe umlando wakho wekhredithi kwinkqubo. Ukuba uyazi ukuba unako ukukwazi ukuzilawula ngekhadi lesikweletu, ukwenza isigqibo sokuba ungabi nekhadi lesikweletu kukuyona nto ibalulekileyo kwixesha lakho elizayo lezezimali.
Awufuni Ukuhlawula Inzala Kwiintengo Zakho
Kukho indlela yokusebenzisa ngetyala ngaphandle kokuhlawula umdla- ngokuhlawula ibhalansi yakho ngokupheleleyo ngenyanga. Kuthatha ininzi yokuzimela kungekuphela nje ukuhlawula yonke ibhalansi inyanga emva kwenyanga kodwa kwakhona ukuqinisekisa ukuba ugcina imali yakho kwinqanaba onokulihlawula ngalo. Ngaphezu koko, nangona unenjongo yokuhlawula ibhalansi yakho ngokugcwele inyanga nganye, kunokuhlala kusengozini ukuba into ethile ikuvimbela ukuba wenze oko. Ukuba ungeke ube nekhadi lesikweletu, awuzange uphumelele loo mngcipheko.
Ukuphila ngaphandle kweKhadi leMboleko
Ukusinda ngaphandle kwekhadi lesikweletu ngexesha apho iintlawulo zekhompyutha zithatha kunzima, kodwa kukho ezinye iindlela. Ungasebenzisa ikhadi lokubambisa, eliboshwe kwi-akhawunti yakho yokutshekisha, phantse yonke into ekuthengiselana kuyo apho ungasebenzisa khona ikhadi lekhredithi. Ikhadi lokubhadela ehlawulwa kuqala, elifana nekhadi lokubambisa kodwa ngaphandle kwekhawunti yokujonga, linye inketho, kodwa qaphela iirhafu eziphezulu.
Ukuqasha imoto okanye ukugcina ihotele kunokuba nzima nakakhulu ngamakhadi e-debit kunye ne-prepaid. Kufuneka uhlawule idiphozi ephakamileyo yokhuseleko okanye unikezele amaxwebhu angaphezulu. Hlola nomrhwebi phambi kokubhuka kwakho ukuze ufumane oko kuyimfuneko ngokusekelwe kwindlela yakho yokuhlawula.