Ukwenza iintlawulo kuphela ziphumo ezimbi
Xa usenza imali encinci kwikhadi lakho lesikweletu, uhlawula inzala eninzi kwaye unciphise umthamo wakho jikelele. inokuchaphazela kakubi amanqaku akho ekhredithi, ngokukodwa xa uqhubeka ungeze kwinqanaba ngenyanga. Ukusondela kwakho kumda wokuba uya kuthintela amanqaku akho ekhredithi. Kufuneka usebenze ekuhlawuleleni phantsi iibhanti zakho zekhadi lokuthenga ngetyala ukwenzela ukuba ubonise ukuba ulawulo lweemali zakho.
Cinga indlela ohlawula ngayo Inzala
Xa ukhangela isitatimenti sekhadi lakho lesikweletu, jonga ixabiso ohlawulwa ngalo kwinzala inyanga nganye, amanye amakhadi ekweretheni kuphela wenze inkokhelo engabonakaliyo inzala, kwaye kuya kukuthatha ngonaphakade ukuze uphume kwetyala . Umzekelo, ukuba unekhadi lesikweletu elinama-$ 6,000, kwaye wenze intlawulo yeepesenti ezintathu ngenyanga, le ntlawulo i-$ 150. I-$ 50 yale nto ihlanganisa umdla, kwaye kuya kuthatha iinyanga ezingama-210 okanye i-17 ukuphuma kwetyala.
Emva kwexesha umyinge wakho umdla uya kuba ngaphezu kwe-$ 2000. Isitatimenti sakho kufuneka sibe nebhokisi ebonisa ukuba uza kuthatha ixesha elide ukuhlawula ikhadi xa wenza inkokhelo encinci, kunye nemali oyifunayo ukuyihlawula inyanga nganye ukuhlawula ikhadi lekhredithi kwiminyaka emithathu. Isitatimenti sakho sifanele sibandakanye nenani leminyaka eliya kuthatha ukuba uhlawule amakhadi akho ekwerethi ukuba wenza kuphela iintlawulo eziphantsi.
Shintsha imeko yakho
Kuyakucima ukuba uqaphele ukuba uneminyaka yemali yekhadi lesikweletu phambi kwakho, kodwa ukuba uyeka ukusebenzisa amakhadi akho ekwereta, kwaye ugxininise ekuphumeni kwetyala, ungatshintsha imeko. Ingathatha inguqu ebonakalayo yokuphila kunye nokugxotha kwixesha elifutshane, kodwa kuya kulungela ukusebenza nzima kunye nokubingelelwa ukuba uphume kwi-credit card. Ukuba ufuna ngokwenene ukutshintsha imeko yakho, unokufuna ukucinga ukuba ufumana umsebenzi wesibini okanye ucinge ngokuphunyezwa kwamanyathelo amaninzi okulondoloza njengoko kunokwenzeka ukutshintsha uhlahlo lwabiwo-mali. Ukuba awunalo uhlahlo lwabiwo-mali, le yindawo efanelekileyo yokuqala ukwenza utshintsho oluhlala njalo. Ungaphinda ufune ukujonga ingeniso yakho kunye neendleko zokuqinisekisa ukuba ufuna iisisombululo esipheleleyo esiza kukufumana imali engaphezulu.
Yeka Ukusebenzisa Iikhadi Zakho Zemali
Ukuqhubeka nokusebenzisa amakhadi wakho ekwereta kuya kuphazamisa imeko. Akulungele ukucinga ukuba ngenxa yokuba unako ukuhlangabezana neemfuno ezincinane zokuhlawulwa kumakhadi akho ukuba ulungile ngemali. Amatyala ekhadi lokuthenga ngetyala liyanciphisa amandla akho okuchitha. Ukuba uninzi kakhulu, unokunciphisa ukhetho lwakho xa ugqiba ukuthenga ikhaya okanye imoto. Uninzi lwekhadi lokuthenga ngetyala lithengiswa kwimpahla okanye iinkonzo ezingenaxabiso lokuhlala.
Kukhethiweyo olukhethiweyo rhoqo xa ukhetha ukuchitha kwikhadi lesikweletu.
Yenza Isicwangciso Sokuphuma Kwetyala
Xa ugqiba ukuphuma kwetyala, kuya kufuneka uqale ukwenza okungaphezulu kweyona ntlawulo encinci. Kufuneka ukwandise inkokhelo yakho njengoko unakho, kodwa kunengqondo ukunyusa enye intlawulo ngexesha. Oku kwandisa amandla enkokhelo yakho, kwaye kuya kukuvumela ukuba uphume kwetyala ngokukhawuleza. Emva kokuba uhlawule ikhadi elinye, hamba zonke izinto ozihlawula kuyo kwikhadi elilandelayo. Ukutshintshela ibhalansi yakho kwikhadi elincinane lomdla kunokukunceda ukuhlawula ityala ngokukhawuleza. Uya kumangaliswa ukuba ungakhawuleza njani ukuphuma kwetyala. Emva kokuba uhlawule, kufuneka uvale amakhadi akho ekwereta .