Ukuba nekhadi lekhredithi ukusebenzisa xa kukho izandi eziphuthumayo njengengcamango efanelekileyo. Ukuba uhlala unamathele - ithi isitofu sakho sidinga ukutshintsha okanye ufuna ukulungiswa kwemoto enkulu - unokuyihlawula ngekhadi lakho lesikweletu. Kodwa, kuxhomekeke kwikharityhulam yekhredithi ukukhupha iindleko ezingalindelekanga akukho ukuhamba kwezemali.
Ikhadi lekhredithi liboleke imali.
Oku kuchaza ngokucacileyo, kodwa cinga malunga noko kuthetha ntoni. Kuthetha ukuba uthabatha imali mboleko ukufihla indleko yengoxakeko ngenxa yokuba awukwazi ukuhlawulela loo nto kwi-pocket.
Kuthetha ukuba uya kufuneka uhlawule imali. Ukuba awukwazi ukuhlawulela yonke into kanye, kuthetha ukuba uya kufuneka uhlawule umdla . Ukuba awuzange uhlawule inyanga nganye kule khadi lekredithi, uya kuba nezinye iindleko zenyanga ukulingana nemali yakho yangoku.
Akunakwenzeka ukuba ukhangele ezinye izisombululo.
Ukuba nekhadi lesikweletu njengengxowa-mali yakho yokukhawuleza inokukwenza ube uvila. Awukwazi ukukhangela isisombululo se-DIY, okanye uxoxisane nentengo ephantsi, okanye uthengise ngexabiso elingcono ngenxa yokuba ukholelwa ukuba sele usisisombululo esinokwenzeka - ikhadi lakho lesikweletu. Kuthekani ukuba uchitha imali kwi-fund yakho yengoxakeka kunokusebenzisa ikhadi lakho lesikweletu? Mhlawumbi ufuna ukubambelela kuninzi lwaloo mali, ngokunjalo mhlawumbi uzama ukufumana iindlela ezincinci zokulungisa ingxaki yakho.
Usemngciphekweni wokuya kwetyala.
Ngokwenene, sele usencinane ubuncinane emva kokuba ubeka ibhalansi kwikhadi lesikweletu.
Kodwa, ukwenza inkokhelo yekhadi lesikweletu, nokuba yimeko yongxamiseko, kunokudala umonakalo okhokelela kwezinye iindleko zekhadi lesikweletu kwaye mhlawumbi unetyala elingaphezulu kunokuba unako ukuhlawula. Kufuneka uqaphele isilingo sokwenza iindleko zekhadi lokuthenga ngetyala kwi-balance balance yakho kunye nesisombululo sokuba ungenzi ukuthenga ngekhadi lokuthenga ngetyala uze uhlawule ityala lakho elingxamisekileyo.
Ikhadi lekhredithi elidlulileyo liye lakhanselwa.
Ukuba unekhadi lekhredithi elondolozayo ngokukhawuleza, lingahluthwa emva kweenyanga eziliqela ezingasetyenziswanga. Okanye, umniki wekhadi lokuthenga ngetyala unokunciphisa umda wakho weekhredithi, okwenza kube nzima ukuxhaswa yonke imeko engxamisekileyo kwikhadi lakho lesikweletu. Unokugqiba usebenzisa i- credit ekhoyo kumakhadi athile eemali-mboleko ukuze uhlawule iindleko zakho. Ukuxhomekeka kwikharityhulam yekhredithi yongxamiseko kukubeka kwintsimi yomniki-makhadi ekhredithi, onokuthi okanye anganakukunquma ukuthenga i-credit ngokwaneleyo ngenxa yengxamiseko yakho.
Ingxamiso yesibini okanye yesithathu ingathumela imali yakho ngaphandle kolawulo.
Akukho siqinisekiso sokuba iimeko ezikhawulezileyo ziya kuza enye ngexesha kwaye emva kokuba ulungele ngokukhawuleza ibhalansi yekhadi lesikweletu kwiimeko eziphuthumayo zangaphambili. Zizixakeka, emva koko, zenzeke ngokungaqhelekanga. Kuthekani ukuba kukho enye imeko engxamisekileyo kwaye ikhadi lakho lesikweletu sele lixutywe kwiimeko eziphuthumayo zokuqala? Uluhlu lwakho lwezinto ezikhethiweyo luba mfutshane njengoko ukulinganisela kwekhadi lakho lesikweletu landa.
Kuya kuba nzima ukwakhiwa kweengxowa-mali zexakeka ngokukhawuleza kwekhadi lesikweletu.
Ukulondoloza imali kunokuba nzima, oku nokuba yinxalenye yesizathu sokuba awunayo i-fund yexakeka. Kuya kuba nzima nakwakhiwa kweengxowa-mali ezixakeka xa usenza imali encinci (okanye ngaphezulu) kwikhadi lesikweletu.
Khawucinge ukuba unokufumana imali engxamisekileyo ngaphambi kokuxakeka. Emva koko, imali oye uchitha ngayo kwi-credit card payment (kunye nomdla!) Yayiya kubuyela imali yakho kunye nokufumana inzala.
Ukuba awunayo imali eyaneleyo yokugcina imali engalindelanga ngexesha loxakeko lwenzeka, awunakho ukhetho oluninzi. Ngoko ke, ukuboleka ngekhadi lekhredithi kungcono kunezinye iindlela ezininzi, umz. Ukwedlula imali kwi-akhawunti yakho yasebhanki okanye uthabathe imali mboleko . Unokuqiniseka ukuba, ebomini, kuya kuvela iimeko ezikhawulezayo zezemali. Kwaye, ekubeni uyayazi ukuba kungcono ukuhlawula ezi zinto ngaphandle kwefowuni, kunokuba ulibeke kwikhadi lekhredithi, ngoku lixesha lokuqala ukwakhiwa kweengxowa-mali.
Awukwazi ukubeka imali eninzi kwingxowa-mali yakho yexakeka, kodwa qalisa apho unokukwazi khona; I-$ 25 okanye i-$ 50 ngenyanga yongezelela.
Beka injongo yesikhwama sakho sexakeka, umz. $ 500 okanye i-$ 1,000, kwaye usebenze kuyo. Musa ukuma apho; Ingxowa efanelekileyo yinyanga ezintandathu zeendleko zokuphila, ngoko yenza ukuba iinjongo zakho zexesha elide.