Ngomhla we-15 wenyanga kwaye uyaqaphela ukuba awuzange wenze i-credit card yeentlawulo ezifunekayo iintsuku ezintathu ezedlule nge-12. Okanye, uhlola isitatimenti sakho sokubhatala ukufumana intlawulo yexesha elide malunga nentlawulo ocinga ukuba uyenzile kodwa uguqele ukuba ukhohlwe ukukhangela isheke kwi-imeyile. Intlawulo engaphuthekanga ingenzeka kunoma ubani. Mthetho ngokukhawuleza kwaye unokukwazi ukunciphisa umonakalo.
Yenza intlawulo ngokukhawuleza njengoko unako
Ukuba ubamba intlawulo ephosakeleyo emva kweentsuku ezimbalwa emva komhla ofunekayo, yenze phambi kokuba isitatimende sakho sokuthengisa sifike.
Ukwenza oku kuya kuthintela ukuhlawulwa kwexesha elifutshane elichazwe kwiivenkile zemali-mboleko. Iingxelo zemboleko zichaza ngokuhlawulwa iintlawulo ezigqithisileyo emva kokuba zibe ziintsuku ezingama-30 emva kwexesha, ngoko wenze intlawulo yakho ngaphambi kokuba uhlaselo lwakho lufike kumanqaku angama-30.
Ifowuni uze ucele umvuzo
Hlola i- akhawunti yakho kwi-intanethi kwaye mhlawumbi uya kubona ukuba imali eyimfuneko sele idibene; Abanye abanikidi bamakhadi bongeza imali yokugqibela emva kwemizuzu emva kwexesha lokunyusa ngomhla omele. Imirhumo yexesha elide iphezulu nje kuphela njengentlawulo yakho encinci okanye i-$ 25, ekucingeni ukuba awuzange ufike emva kweenyanga ezintandathu ezedlulileyo. Nangona ikhefu yakutshanje kwiimali ezifihliweyo, ufuna ukuphephe umrhumo ukuba unako kwaye kufuneka uzame ngokuqinisekileyo.
Abaninzi bemali-mboleko bazimisele ukuhlawula umrhumo wexesha elide emva kokuba ungekho ngokukhawuleza kwiintlawulo. Qhagamshelana nomthengi wakho, uchaze ngokufutshane indlela ukuhlawulwa kwentlawulo engenziwanga ngayo, kwaye ubuze ukuba imali yakho yokugqibela ikhutshwe. Ukuba umbolekisi wakho akayi kuhlawula umrhumo, ungacinezeli umcimbi.
Yithatha nje njengesifundo esiyifunde, uhlawule umrhumo, kwaye uqiniseke ukuba uthumele yakho intlawulo ngexesha elizayo ngenyanga kunye nenyanga nganye emva koko.
Unokukhusela izinga lakho lomdla?
Ngethamsanqa, akufanele ukhathazeke ngokuba nomyinge wakho wokutsala umyinge ngenxa yokuba ufikelele kule ntlawulo enye ngaphandle kokuba unesilinganiso sokunyusa .
Umthetho wekhadi lesikweletu uthi ababolekisi abanako ukunyusa izinga lokuhlawulwa kweerhafu ngaphandle kokuba ubuncinane iintsuku ezingama-60 zigqithise imali yakho. Ekubeni inkokhelo enye yengozi ayiyi kuyenza emva kweentsuku ezingama-60, isantya sakho sikhuselekile, ubuncinane kwizinga lokuhlawulwa .
Iindaba ezimbi, nangona kunjalo, ukulahleka intlawulo kunokubangela ukuba ulahlekelwe nayiphi na inqanaba lokunyusa, nangona oko kwenzeka ngengozi kwaye nje ngeentsuku ezimbalwa okanye kwimizuzwana nje yokufumana intlawulo ye-intanethi. Umboleki-mali ozimisele ukuhlawula umrhumo wexesha elidlulileyo angenako ukuxolela xa kuziwa kwizinga lakho lokunyusa.
Khumbula xa iibhilikhwe zakho zifanelekile
Ukuba le ntlawulo ephosakeleyo ngengozi yayisiganeko esicacile, unobungozi kukuba unenkqubo efanelekileyo yokukhumbula ukuhlawulwa kwekhadi lakho lesikweletu. Kodwa, ukuba uqaphela ukuba uyayikhohlwa imali ngokuphindaphindiweyo, kufuneka ufike ngendlela yokuzikhumbuza. Ngokomzekelo, ikhalenda yokubhalwa kwebhilikhi yenyanga ebonisa uluhlu lwemini efunekayo kunye nentlawulo encinci kuyo yonke i-akhawunti yakho inokukunceda.
Unokwenza izikhumbuzi kwi-imeyile yakho okanye kwinkqubo yokukhawuleza, umz. Microsoft Outlook okanye i-Gmail. Okanye, ukuba uthembele kwiselfowuni yakho, sebenzisa ikhalenda yefowuni yakho okanye uhlelo lwesithathu lwenkxaso ukuthumela izikhumbuzi zebhilikhi yakho.
Thumela i-imeyili kuLandelaUpThen.com ukuze uthole ikhumbuzi le-imeyile ukuze wenze inkokhelo yakho, umzekelo: Every5th@followupthen.com, kodwa ungabandakanyi nayiphi na ulwazi lomntu siqu kwaye usethe isikhumbuzi iintsuku ezimbalwa ngaphambi kokuba intlawulo yakho ihlawulwe.
Thumela i-imeyile esuka kwidilesi ezithumela izaziso kwifowuni ukuze ufumane izikhumbuzi kwifowuni yakho.
Ekugqibeleni, unako ukuhlawula intlawulo ngokuzenzekelayo nge-bhanki yakho ye-intanethi ye-intanethi ukuphelisa iintlawulo ezingekho phantsi kweengozi. Qinisekisa ukuba inkokhelo isetyenziswe ubuncinane ubuncinci ngaphambi komhla ofunekayo okanye uza kuhlawulwa ngemali ehlawulezileyo. Kwakhona, qiniseka ukuba unayo imali eyaneleyo kwi-akhawunti yakho ukufihla intlawulo ukuze ugweme ukuhlawula i-overdraft, imali enganeleyo, okanye imali yentlawulo yokubuyisela kwakhona. Umboleki-mali wakho angasayi kubuyisa umrhumo wesibini.