Unokwenza ngokunyanisekileyo iintlawulo zakho zenyanga kwiikhadi lakho lekredithi kunye namanye amatyala ngamanye ngenyanga, kodwa kubonakala ngathi izilinganiso zakho aziqali. Kutheni oku kwenzekayo?
Iintlawulo Zakho Inqabileyo Inzala
Inzala yenye yeendleko zokuboleka imali. Inkokhelo nganye yamatyala nganye ngenyanga iquka inani elithile lomdla kunye nemali ethile. Ukuba enye yentlawulo yakho ibhekisela kumdla, ibhalansi yakho iya ku-inch down.
Umzekelo, ukuba ibhalansi yekhadi lakho lesikwelethi liyi-$ 1,000 kwaye inzala yakho inzala ngu-18%, imali yakho ye- mali iya kuba malunga ne-$ 13. Ngokuhlawulwa kweedola ezingama-30, ibhalansi yakho iya kufikelela kwi-$ 983 engekho i-$ 970 njengokuba ungayilindela, kuba i-$ 13 yentlawulo yakho isetyenziselwa imali yentlawulo.
Khangela ikopi yakutshanje yesitatimenti sokukhokha ukuze ubone ukuba uninzi lwenkokhelo yakho yokugqibela esetyenziselwa inzala kunye nokunciphisa ibhalansi yakho.
Kukho iindlela ezimbini zokulwa nale ngxaki. Okokuqala, unokwandisa inani lakho lokuhlawula ukuze imali eninzi isetyenziswe ekunciphiseni ibhalansi yakho. Ngamanye amaxesha ukuhlawula imali eyongezelelweyo kwimali-mboleko yakho kuya kufakazela umhla ozayo ngomhla wokubangela ukunciphisa ibhalansi ukwenzela ukuba uqiniseke ukuba ubonise (kwikhuphoni yakho yentlawulo) ukuba intlawulo eyongezelelweyo ifanele isetyenziswe kwimigaqo.
Ukufumana inzala engaphantsi yenye inketho, kodwa akukho enye elula ukwenza. Ngamakhadi-ngetyala, oku kuthetha ukuba ucele umniki-khadi wakho wekhredithi ngesilinganiso esezantsi okanye utshintshele ibhalansi kwikhadi le-interest rate.
Ngokubolekwa kwemali-mboleko, indlela yodwa yokufumana umyinge ongaphantsi kwenzalo ukuhlaziywa kwenye indawo mboleko kunye nomyinge ophantsi. Umlando wakho wekhredithi kufuneka ube yanele ngokwaneleyo ukufumana ilungelo eliphantsi. Ukuhlaziywa kwemali ayikhululekile; ulinganise iindleko ngaphambi kokuhamba.
Iintlawulo zakho ziya kwiimali
Iimali zithintela ukuhlawulwa kwetyala ngendlela efana neyomdla - ziyakukugcina ekunciphiseni ibhalansi yakho nangona wenza iintlawulo.
Ukuphelisa iifizi ngokuqala ukuqonda ukuba yiziphi iimali ezihlawulwayo kwaye ugweme izenzo ezenza iifizi.
- Imirhumo yexesha elifutshane iyakwenyelwa ngokwenza intlawulo yakho ngexesha ngalinye ngenyanga. Ishedyuli yentlawulo ye-intanethi kwiintsuku ezimbalwa ngaphambi komhla wokugqibela ukuze ube nexesha lokusabela ukuba kukho into engalunganga.
- Ukuba umniki wekhadi lakho lesikweletu usenokuhlawula umrhumo wokudlula umda wakho wesikweletu, ungayiphephela intlawulo ngokuhlawula ibhalansi ngaphantsi kwemida kwaye ukhangele i-credit card yakho ngaphambi kokuba uchithe.
- Unako ukwazi ukufumana imali yakho yonyaka ngokukodwa ngokubuza, kodwa ukuba kungenjalo, le nto ingaba yikhadi ofuna ukuyihlawula kuqala.
- Imirhumo yentlawulo - njengemali esengaphambili okanye imali yokudlulisela imali-kunokukhusela ngokuphepha nje ukuthengwa kweemeko. Ukunyuswa kwemali kubaluleke kakhulu kuba baqalisa ukufumana umdla ngokukhawuleza.
Usakudala amatyala
Ukuba usenokwenza i-credit card ukuthenga okanye ukuthatha imali-mboleko, ibhalansi yakho yamatyala ayiyi kuhlahla kakhulu, ukuba iyahla konke. Ukubona inkqubela phambili kunye neentlawulo zakho, kufuneka uyeke ukudala amatyala amatsha . Oko kuthetha, akukho kuthengwa kwekhadi lesikweletu. Hambisa nayiphi na inkokhelo yokubhaliselwa ngokukhawuleza ekhadini lakho lokubambisa ukuze le ntlawulo ivela kwi-akhawunti yakho yokujonga kwaye ungayikhupheli imali yekhadi lakho lekhadi.
Uhlawula kuphela i-Minimum
Ukuze wenze inkqubela phambili ebalulekileyo kwimeko enetyala lakho, kufuneka uhlawule ngaphezu kokuncinci . Isicwangciso esisodwa ongasisebenzisa ukuhlawula ityala lakho kukukhetha ityala lokuhlawula ngokukhawuleza kwaye uhlawule isamba semali kuloo matyala ngelixa uhlawula ubuncinci kuwo onke amanye amatyala akho. Emva koko, xa uhlawule ityala lokuqala, sebenzisa isicwangciso esifanayo sokuhlawulwa kwetyala elilandelayo kunye nakulandelayo de kube zonke zihlawulwa.