Indlela yokumisela iintlawulo
Ukuhlawula ngekhadi lakho kudla ngokuba ngumcimbi wokubonelela ngekhadi lakho ulwazi kumthengi wakho. Kungaba lula njengokuthumela ilwazi lakho kwikhadi lakho endaweni yekhenkethi endala, okanye unokwenza yonke inkqubo.
Bhatala kwi-intanethi: Ngena kwi-akhawunti yakho kwaye ujonge iinketho zokwenza "intlawulo" okanye "ukusetha iintlawulo ezenzekelayo." Kwezinye iimeko, akufuneki ukuba ungene ngemvume-uza kunika ulwazi olwaneleyo lomthengi ukufumana iakhawunti yakho. Nangona kunjalo, kulungile ukuba ungene ngemvume ukuba unako ukhetho, kuba kunokulula ukulandelela (kunye nokukhusela) naziphi na iingxaki xa wenza konke xa ungene ngemvume. Ukusuka apho, uya kufaka inombolo yakho yekhadi kwaye uvumelane nemimiselo, nokuba wenza inkokhelo yesikhathi esisodwa okanye usethe ukuhlawula okuzenzekelayo .
Bhatala ngeposi okanye kwifowuni: Unokuhlawula iibhidi ngekhadi, nangona ufumene iingxelo eziprintiweyo. Ngokomzekelo, iofisi yezobugqirha ingathumela ibhilikhwe enikezela ngeendlela ezininzi zokuhlawula.
Ukongeza kokuthumela isheke, unakho ukubiza nokunika ulwazi lwekhadi lakho kwifowuni. Ngenye indlela, ungabhalela ulwazi lwekhadi lakho kwisikripthi sokuhlawula kwaye uyithumele kwakhona. Ukusebenzisa ifowuni yindlela engcono xa ufika ngosuku lokuhlawula.
Naluphi na indlela oyisebenzisayo, lungele ulungiselele oku kulandelayo:
- Inombolo yekhadi
- Idilesi yakho yokubakho yekhadi
- Igama lakho njengoko liboniswe kwikhadi
- Umhla wokuphela kwekhadi
- Ikhowudi yokukhusela idijithi ezintathu kumqolo wekhadi
Yintoni Engahambi Ngayo?
Nangona ukuhlawulwa ngekhadi kulungile, ezinye iindlela zingcono kuwe, kuxhomekeke kwiimeko zakho.
Amatyala: Ukuba usebenzisa ikhadi lekhredithi, ukuya kwisikweletu kuyingozi enkulu. Iimali zakho ziza kudibanisa kwikhadi lakho lesikweletu, kodwa ibhalansi yakho yokujonga i-akhawunti iya kuhlala iphakamileyo. Ukuba awunalo uqeqesho lokuhlawula lonke ibhalansi yamaphepha ngenyanga, uya kugqitywa kwetyala.
Ukuba ucinga ukuba ngumngcipheko, qhubeka uyenza ngendlela endala (akukho nto engalunganga ngayo-konke okubalulekileyo kukuba uyazi kwaye uzigcine ungena kwingozi). Ukuhlawulwa kwetyala kuthetha iirhafu eziphezulu zemali, kwaye unokuphelela emgodini ongeke uphume kuwo. Ikhadi lokudibanisa elixhunyaniswe neakhawunti yakho yokukhangela kunokukunceda ukuba ugweme amatyala, kodwa ke ubeka i-akhawunti yakho yokukhangela engozini .
Amanqaku okuthenga ngetyala: Unokufuna ukuhlawula loo makhadi eemboleko ngokuphindaphindiweyo kuneenyanga zonke ukuphepha ukulimaza i-credit yakho. Iimodeli zokulinganisa ngetyala zinika amanqaku aphezulu xa usebenzisa ipesenteji encinci yekredithi yakho ekhoyo (ngaphantsi kwama-30 ekhulwini).
Ukuba usebenzisa kakhulu-nangona uhlawula ibhalansi ngokupheleleyo nyanga zonke- kunokubonakala ngathi ungena phezu kwentloko yakho. Ngoko ke, qiniseka ukuhlawula izilinganisi zakho nayiphi na ixesha xa usondela kuma-30 ekhulwini. Umzekelo, ukuba umyinge wakho weekhredithi ngu-$ 1,000, uya kufuna ukugcina ibhalansi yakho phantsi kwe-$ 300. Oku kunokuthetha ukuzenzela iintlawulo ezininzi ngenyanga, ingakumbi ukuba nayiphina i-bill ithatha isabelo esibalulekileyo semingeni yakho yemali.
Imirhumo: Kwiimeko ezininzi, akukho mali eyongezelelweyo xa uhlawula iindleko ngeplastiki. Kodwa eminye imibutho ihlawulisa ngaphezulu, ngoko kufuneka uhlawule iingqalelo phambi kokuchofoza ukuthumela. Ukuba usebenzisa ikhadi lokuthenga ngetyala, unokuhlawula umrhumo wonyaka kumniki wakho. Qinisekisa ukuba kuyafaneleka ukuba uhlawula iibhilikhwe kunye nekhadi ukuze ufumane imivuzo.
Ukulawulwa kwelahleko: Xa uhlawula nge-debit okanye kwikhadi lekhredithi, ngokukodwa xa wenza iintlawulo ngokuzenzekelayo, izinto zingaphumelela kokulawula ngaphambi kokuba uzibone.
Unokuhlawula ubuncinane kwiibhili zakho kwaye ulahleke iimpazamo ezibizayo okanye ukwanda kwezinga. Ukuba usebenzisa i-debit card, kunethuba elingcono lokuba uya kukhangela amasheke ambalwa okanye uhlawulwe iirhafu ze-overdraft . Ekugqibeleni, unokuba uzive ungaphantsi kweentlungu zokuchitha imali, okwenza kube lula ukuchitha imali.
Kutheni usebenzisa iPlastiki?
Ukubonelelwa ngeengozi ezingentla, unokuzibuza ukuba ingumzekelo omuhle wokuhlawula iibhidi ngekhadi lakho, kodwa kukho iingenelo ezininzi.
Imivuzo: Imiphumo ngokuqhelekileyo isizathu sokuqala abantu bacinga malunga nokuhlawula iibhokhwe ngekhadi lesikweletu. Ngokuqinisekileyo, unokuthi udibanise amaphuzu okanye ufumane imali kwakhona, kodwa kukho ezinye izizathu ezilungileyo. Nangona usebenzisa amakhadi e-debit , awanako ukuphana kodwa anganika imivuzo , kusenokuba yinto efanelekileyo yokubeka iibhokhsi kwikhadi lakho.
Ukuzonwabisa : Akukho mfuneko yokulinda kwi-imeyile, ukubhala ukuhlola, ukufumana isitampu, okanye ungene kwi-akhawunti yakho yebhanki ye- intanethi yokuhlawula imali . Ukuba uhlangabezana nephepha nonke, ungabhala phantsi ulwazi lwakho lwekhadi lesikweletu uze ulithumele kuyo, kodwa ubuncinane awuyi kusebenzisa ukunikezelwa kwakho kokuhlolwa. Indlela elula kukuba wenze iintlawulo ngokuzenzekelayo, ngoko akumele wenze nto- kodwa oku kunokubangela iingxaki njengoko kuchazwe ngasentla.
Ukugcinwa kwerekodi elula: Ngendlela efanayo, kulula ukugcina iindleko xa uhlawula ngekhadi lesikweletu. Umnikeli wakho wekhadi ngokuzenzekelayo udala irekhodi yekhompyutheni yento yonke yokuthengiselana, ngoko kulula ukubeka uluhlu lwemali yakho yenkcitho ukubona apho imali yakho iya khona. Ibhanki yakho (okanye i-app efana ne-Mint ) inokuthi idibanise iindleko kuwe, ngoko kulula ukuqonda iindleko zakho zokuphila ezisisiseko.
Ukulawula ukuhamba kwemali: Zingaphi iindleko ozifumanayo ngenyanga? Ukuba kukho ngaphezu kwesandla, ubomi buya kuba lula xa uhlawula ngekhadi lesikweletu. Asikho isidingo sokungena kwi-akhawunti yakho yokujonga rhoqo emva kokuba ibhajethi ifike ngenxa yokuqinisekisa ukuba kukho imali eyaneleyo . Kunoko, unokubeka zonke iindleko zakho kwikhadi lakho lesikweletu uze wenze enye intlawulo enkulu ngenyanga. Nangona kunjalo, ukuba usebenzisa ikhadi lokukhangela kufuneka uqiniseke ukuba imali iyafumaneka.