Iingcebiso zokwabelana ngeKhadi leMboleko kunye nomnye umntu
Unokufumana iakhawunti yekhadi lekredithi kunye kunye nomlingane, umlingane, okanye umntwana ukuba lula ukwenza i-bill, ukudibanisa ubomi bakho, okanye ukunceda loo mntu ukuba athole amanqaku angcono. Ukulawula iakhawunti yekhadi lekhredithi ngokudibeneyo akusoloko kulula. Kufuneka uxoxe ngezinto zonke ozikhethayo ngokuzenzekelayo xa unayo i-akhawunti yakho yekredithi.
Misela ukulinganisela okuphezulu
Unokugqiba isigqibo sakho somlinganiselo wemali-mboleko ngumlinganiselo wokuchitha imali. Ukuqwalasela ukuba ukukhawuleza kwekhadi lakho lekhredithi akulungile kumlinganiselo wakho wekhredithi, kungcono ukhethe inani eliphantsi. Ngokufanelekileyo, akufanele uphathe umlinganiselo obangaphezulu kwama-30% omda wakho wemali. Yiloo $ 300 kwikhadi lekhredithi elinomda we-$ 1,000. Ukubeka ibhalansi ephezulu kukukhusela wena kunye namanye amanqaku ekhredithi yomnini-akhawunti kwaye ugcina ibhalansi kwizinga elilawulwayo
Misela "imvume" Imida yokuthenga ezinkulu
Bonisa umlinganiselo omkhulu wokuthenga oza kuwusebenzisa njengesikhokelo sokuxoxa ngokuthenga ngaphambi kokuba wenze.
Ngaloo ndlela, akukho mangalisa xa uthe wabuya ekhaya ngexabiso elibi xa umlingane wakho ekulungele ukuzithengela ngokwakhe, okanye, ngakumbi nakakhulu xa kufika i-bill. Ukuba ufuna ukuthenga okanye kufuphi nomda, xubusha kunye neqabane lakho kuqala. Ngokomzekelo, unokwenza isigqibo sokuba bobabini kufuneka uvumelane naluphi na ukuthenga ngaphezulu kwama-$ 200.
Makuvumeleke omnye umntu ukuba wenze ukuthenga
Akudingeki uqale ukubika yonke into oyenzayo kumlingane wakho okanye iqabane lakho ukuba awukho. Ingcamango enhle yokwabelana ngolwazi, ngoko omnye umnini-akhawunti uyazi ukuba kukho umlinganiselo kwibhalansi yekhadi lesikweletu xa (okanye yena) eya kuwusebenzisa okanye xa i-bill bill iza.
Hlola uBhalansi Ngaphambi kokuhlawula
Ungathathi ncinane ukuba ibhalansi ye-akhawunti ifana neyokugqibela ukuyihlola. Awukwazi ukuba ngubani omnye umnikazi weakhawunti oyisebenzisayo. Ifowuni ekhawulezayo kwisebe leenkonzo zamakhasimende ekhadi lakho lekhredithi linokukunceda ukuba ungaphumi kwimida yakho yokuchithwa okuvunyelweneyo okanye ngakumbi, umda wakho wesikweletu.
Nquma ukuba ngubani oya kuhlawula uBhili
Ukuba ngaba obo babini bahlawula iibhoyili ndawonye ngexesha elinye ngaphandle kweakhawunti enye, ukugqiba isigqibo sokuba i-bill bill iya kuhlawulwa ilula. Ukuba oko akunjalo indlela yokuphatha ngayo iibhilikhwe esebenza ekhaya lakho, kufuneka unqume ukuba ngubani oya kuhlawula umrhumo lowo. Ukuba umntu omnye uya kuhlawula i-bill, ngaba omnye uya kufaka ezinye iimali?
Qondisisa Iindlela Zokuchitha Umlingani Wakho
Ukuba ungumkhululi we-spender kunye neqabane lakho li-tightwad, nonke nifuna ukuqonda ukuba oko kuya kuthintela njani ukwabelana ngekhadi lesikweletu. Unokuba ufuna ukuhlawulela ngekhadi lesikweletu, ngelixa iqabane lakho lingavumi.
Yilapho ukuchitha imida kunye nokuthetha phambi kokuthenga okukhulu. Ukwazi indlela umlingane wakho ochitha ngayo uza kuzisa iimfuno ezimbalwa.
Qaphela ukuba iKhadi lichaphazela zombini i-Credit yakho
Ingaba unayo i-akhawunti edibeneyo okanye i-akhawunti kunye nomsebenzisi ogunyazisiweyo, ityala lembini yomntu lichaphazelekayo ngemikhwa yesivumelwano somtshato. Ukuthetha ngezezimali, kufuneka ucinge kabini malunga nokongeza umntu onetyala le-akhawunti yakho. Imbali ibonisa ukuba umntu akakwazi ukuphatha i-credit ngokufanelekileyo. Yilungele ukuthatha uxanduva lwemikhwa yokunyanzeliswa yenkwenkweli yeqabane lakho kuba oko kukwabelana ngekhadi lesikweletu.
Yazi i-Ramifications ye-Split
Ngelishwa, akubona bonke ulwalamano oluhlala ngonaphakade. Ukuba uthe wahlula umnini-akhawunti wakho odibeneyo, bobabili unomsebenzi wokuhlawula i-bill card.
Akukho myalelo wokuqhawula umtshato ushintsha iinjongo zesivumelwano sokuqala. Ukuba ijaji ithi ngamnye wenu uhlawula isigamu sesilwayo kwaye u-ex wakho akayikugcina (okanye) ekupheleni kwalo mcimbi, umniki wekhadi lokuthenga ngetyala ayikhathalele - boba bobabini banamacala okuhlawula iintlawulo. Kufuneka uqaphele kwakhona imali yokubuyiselwa kwemali - xa ulaka olugqithiseleyo luqhuba i-bill yekhredithi kwaye awunzima ukuyibuyisela. Umnikezeli wekhadi lokuthenga ngesikweletu angakuvumeli ukuba uvale i-akhawunti yekhadi yekhredithi ye-credit card kuze kube yilapho ibhalansi ibuyiselwe, ngoko omnye umnini-akhawunti unokuqhubeka ehlawula xa usebenza ukuhlawula ibhalansi.
Ukulawula iakhadi yesikweletu edibeneyo kulula xa abani nababini be-akhawunti banemikhwa yokuchitha imali efanayo kunye neenjongo zemali. Xa kukho umda omkhulu phakathi kwemikhwa yakho yokuchitha imali - njengengxaki ye-spender ene-liberal spender-ingabangela iingxaki. Ukunxibelelana sisisitshixo ekuqinisekiseni ukuba usebenzisa ikhadi lekhredithi elidibeneyo alilimazi zombini i-credit okanye ulwalamano lwakho. Kungcono ukwenza izigqibo malunga nokusebenzisa ikhadi lekhredithi ngaphambi kokuba ufumane ikhadi. Beka ngokubhaliweyo, ngoko kulula ukubuyela kubo xa kunombuzo okanye ukungathandabuzeki ngesivumelwano.