I-Credit ithwala indima ebalulekileyo ngokukodwa kwisigaba sokuqala soshishino . Oku kungenxa yokuba nayiphi na inqanaba lesikhwama sakho semali okanye i-kredit yekhredithi iya kucacisa amandla akho okuthenga, ukulungelelana okufumana iimali-mboleko, inzala enomvuzo oyifumana kwimali mboleko kunye nokunye.
Ngenxa yoko, kubalulekile ukuba nayiphi na umnini-shishini ukuba abe yi-savvy yengxowa kwaye afune iindlela zokuphucula nokugcina iimali zabo zekhredithi. Kukho iimpawu zemihla ngemihla kunye neempawu zobuntu bebhanki be-credit savvy abanikezwa kwikhosi yokuqhuba amashishini abo kwaye nangobukeka kwimikhwa emihla ngemihla ephezulu.
Ziyabala
Ukuze uphumelele naluphi na uhlobo lweshishini, kufuneka ubale yonke into eyenzayo . Ngokubala, uya kuba nako ukubonisa indlela ukuhamba kusenokuchaphazela ngayo ishishini lakho, ngoko ke makuthathe ingqalelo. Ngokubhekiselele kwintengo yemboleko, umntu kufuneka enze uvavanyo olunokwenzeka kwimithombo eyahlukeneyo yemboleko yokuba bayakuvuma.
Xa oko kwenziwa, into yesibili abayenzayo kukuhlolwa kwexesha lokuhlawulwa kwetyala, imigangatho kunye nenzala.
Oku kuya kunika ithuba lokuba uhlale unolwazi kwaye uzilungiselele ngemali ngeli xesha lekhredithi. Yile ndlela abanikazi bentengiso be-credit savvy benza ngayo. Abazithatha nje ingozi, bathatha ingozi yokubala kwaye bayazi ukuba yiyiphi into engenzeka ngayo ingozi ethile.
Emva kokuba uthathe ikhredithi kunoma yimuphi umthombo onikeziweyo , kufuneka ube nesicatshulwa esicacileyo sokuba uza kubuyisela njani imali mboleko ngaphambi kokuyithatha ukuze ingathinteli ukulinganiswa kwekhredithi yakho. Ukuba uthathe ikhredithi kwimvelaphi enikwe kwaye kufuneka ibuyiselwe ngenyanga, yenza imathematika yakho ngokweentlawulo zemihla ngemihla ukuze ekupheleni kosuku unayo imali egcinwe ukubuyisela. Oku kuthetha ukuba awuyi kuphinda uhlawule ukubuyisela imali yakho mboleko kwaye ngoko amanqaku akho ayikhange athathwe kakubi.
Bayathembeka Ngezimali Zabo
Ukuze ufikelele kwiinjongo zakho zezo shishino, akumele uxoxe nawe xa kuziwa kwiimali. Khumbula, amanani awaqambi amanga kwaye ukuba uxoka, ngezinye iinkcukacha izinto eziza kukufumana. Kufuneka ube ninyanisekile kangakanani nokuba unokuqala ngaphi ngaphambi kokucinga ukufumana imithombo yangaphandle yezemali. Ngosuku lwakho ukuqhuba kwoshishini lakho, incwadi yeeakhawunti kufuneka ibonise uhlobo lwentsebenzo eyenziwa ngalo shishini ngaloo mini. Zama ukuphendula yonke into kwaye uzame nzima kunokwenzeka ukunciphisa iindleko ezingenako ukuzithengisa imali kwaye ezininzi zazo ziindleko zomntu.
Xa kufikelele ekuphuculeni kwamanqaku kunye nokugcinwa kwamanqaku , kufuneka uyiqonde into yokuba imali eqhuba ibhizinisi lakho ngelo xesha ayikho eyakho.
Iboleke kwaye kufuneka ibuyiselwe. Oku kuthetha ukuba kufuneka ubeke amanyathelo imihla ngemihla ukwenzela ukunciphisa ukuphuma kwemali. Oku kuya kwenza kube lula kuwe ukuba ubuyisele imali mboleko. Ukuba unomqeshwa, kulungile ukuba uthembeke kunye nabo kwaye ubaxelele ukuba izibonelelo ezithile ezazisetyenziswe ngaphambili aziyi kuphinda zifumaneke ukuphepha iingxaki zemali.
Ba cwangcisa phambili
U-Eleanor Roosevelt wathi, "Ikamva likwabantu abakholelwa kubuhle bephupha labo." Oku kusebenza nakwihlabathi lezoshishino. Ukuze ube niphumelele kuyo nayiphi na ishishini, kufuneka uhlale ucwangcisa phambili ngemali. Ufanele ukwazi ukujonga ukuba ngeliphi ixesha i-shishini lakho liza kufuna imboleko kunye nendlela iboleke ngayo. Ukuba nesicwangciso esinjalo sinokukunceda ekukhetheni umthombo oncinci kakhulu wemali-mboleko xa ixesha lifika ngenye indlela unokugqiba ukufumana imali evela kumthombo onokubaluleka kakhulu.
Ukuba uqala nje ishishini lakho, okokuqala, kufuneka uhlele ubudlelwane obuhle kunye nabathengisi. Oku kuya kukunceda ukuba ufumane izinto ngekhredithi, uthengise kwaye ubuye ubuyekeze abathengisi. Oku kungaba yindlela elula kunokuba uhambe nemali mboleko yebhankini kwimboleko yemveli. Yiloo nto nayiphi na umnini-shishini we-credit savvy wenzayo imihla ngemihla.
Bacinga ngezinye iindlela
Ubomi kunye nakwihlabathi lezoshishino, kukulungile ukuba nezinye iindlela kwaye ulinganise ukuba zeziphi ezifanelekileyo. Njengomnini-shishini, kukho amaxesha apho imali yakho yezo shishino ibanjwe kwaye oku kufuna ukunyanzeliswa kwangaphandle kwezemali. Ngaloo ndlela, nayiphi na umnini-shishini kufuneka ahlale ekulungelelwa ngamaxesha anzima kwaye kufuneka ahlale enezinye iindlela zokusombulula ingxaki. Impazamo eqhelekileyo abantu abaninzi abayenzayo ayinayo enye ingxaki ngaphambi kokuba ingxaki ivele, bawela nje nantoni na ukulungisa ngokukhawuleza. Oku kuyingozi kwaye kunokulimaza ishishini lakho emva kwexesha elithile.
Xa uhlala kwintsimi yakho yoshishino imihla ngemihla, cinga ngeendlela ezincinci ongayisebenzisa ukuze ufumane imali ngaphandle kokuba uboleke imali kwibhanki yendabuko. Unokuqeshisa izixhobo zakho, zama ukugcina imali ngaphakathi kwishishini okanye khangela ezinye iindlela zokubolekisa ngezoshishino ezingcono kakhulu. Yiba nomcinge kwaye ucinge ukuxazulula imicimbi ethile yezemali xa kwenzeka.
Bakhetha
Ewe, kwihlabathi lezo shishino, kucetyiswa ukuba abanikazi boshishino benze izigqibo ezifanelekileyo, ngaphandle koko, iphutha elincinci lingakubiza imali eninzi. Ngaphambi kokuba wenze isigqibo, unokhetho oluninzi olulahlwa phambi kokukhetha okulungileyo kubo. Ngokomzekelo, xa ufuna ikhredithi, kufuneka ube neenketho ezininzi ozikhethayo. Ukuba ufuna umthengisi, umzekelo, kufuneka ubeke imigangatho ngenxa yakho yamanqaku akho okwekhredithi.
Khetha umthengisi oqinisekileyo ukuba uhlawula zonke iintlawulo ozenzayo kwi-freeaus ye-credit reference. Ukuba wenza zonke iintlawulo zakho ngexesha, ukunika ingxelo kwi-arhente ezifanelekileyo kuya kukwenyusa umlinganiselo wakho wekhredithi. Oku kuthetha ukuba kufuneka ubeke imilinganiselo enoba ababolekisi bakho baya kudibana phambi kokuba uqalise ubudlelwane bokusebenza nabo.
Ayikho Imali-elambileyo
Ukuze ulondoloze ukulinganiswa kwetyala lakho, kufuneka ubalekele kwiimpromptu zezimali ezizayo. Ngaphambi kokuba uhambe kwimali-mboleko yebhankini okanye umgca wekhredithi kwaye unesidingo esicinezelayo ukuba ukhangele umthombo wangaphandle , ungalokothi ubambe wonke amathuba anikezela ukuboleka imali. Ukwenza njalo kunokukufaka kwiinkxwaleko zemali kwixesha elizayo elizayo. Yiba nokubala kakhulu naziphi na iimali eziza kuphuma okanye zingene kwi shishini lakho.
Ukuba neengxowa-mboleko ezininzi ezifuna ukuhlawulwa ziza kubangela ukongiwa kwemali kwishishini lakho kunzima kakhulu kwixesha elide kwaye oku kunokuthintela ukuqhutyelwa komsebenzi wakho. Ngaloo ndlela, musa ukulamba imali ngaphandle kokuba kukho isidingo esilungileyo sokuba uhambe kuso. Ukulinganisela amaxwebhu akho emali imihla ngemihla kwaye usebenzise oko kubakho kwishishini ukuya phezulu.
Bakholelwa Iinkcukacha
Bonke abasebenzi be- savvy ishishini bahlala bekhokela ngokubanzi. Xa kuziwa kwiimeko zezemali zoshishino labo, bayazi zonke iinkcukacha eziphathelele kwincwadi yeeakhawunti. Zonke iirekhodi zicacile kwaye zifike ngoku. Bayazi kakuhle malunga nokulinganiswa kweentengo zabo zemali kunye neentengiso, i-akhawunti kunye nenzuzo yokulahleka, abanetyala kunye nabathengi phakathi kwamanye amaninzi. Oku kwenza kube lula ukuba bacwangcise phambili kwexesha lemali.
Emva kokuqhuba ishishini usuku lonke, abanikazi bamashishini abaphumeleleyo kufuneka barekhode, baphicotho kwaye bahlole zonke iintengiso ezenziwa kwimihla yonke. Oku kunceda ukwazi indawo yangempela yemali yezoshishino kwaye kwenza umnini-mveliso ukuba eze ngeendlela zokugcina okanye ukuphucula isikhundla sezimali soshishino ngexesha langempela. Ngokumalunga nokulinganiswa kweentengo zemboleko, abanikazi bezentengiselwano zabanini-mboleko benza iimbuzo zekredithi rhoqo kwaye baqinisekisa ukuba iingxelo zabo zichanekile kwaye zifike ngoku.
Xa Ifika Kwiimali, Ziyalungiswa
Enye yezinto ezikhokelela ekuhlulekeni kwezoshishino kungabikho kokuqeqeshwa xa kuziwa kulawulo lwezemali. Uqeqesho lwezemali luyintloko kunye nokwenza amaphesenti angama-75 impumelelo kwishishini. Kufuneka ube nolwazi nokuzithiba xa kuziwa kwimali. Njengomnini webhishini eligxilwe phambili, kufuneka uqaphele ukuba ungayigcina njani imali, landela uhlahlo lwabiwo-mali, sebenzisa nayiphi na uhlobo lenkokhelo enikwe yona ngokufanelekileyo kwaye ugcine umlinganiselo wokusetyenziswa kwekhredithi ngaphantsi kweepesenti ezingama-30 ukuba kunokwenzeka. Ukuba ungekho uqeqesho lwezemali, nokuba unayo izigidi zeedola, uyakholelwa, yonke loo mali iya kuphelelwa lixesha ngenxa yokuchitha imali engadingekile.
Ngosuku lokusebenza kwoshishini lakho, kufuneka uhlakulele uqeqesho lwemali. Ukurekhoda konke ukungena kwemali kunye nokuphuma kwemali kweshishini. Oku kuya kunceda ukuba ulandele indlela okwenziwa ngayo ishishini kwaye wenze izilungiso ezifunekayo ngexesha elifanelekileyo. Ngokwenza njalo, awuyi kuze kubekho nayiphi na ingxaki yezemali ngababolekisi bakho. Oku kungenxa yokuba uya kugcina imali eyokusetyenziswa ngexesha elifutshane ukubuyisela abo bakholekisi ngexesha kwaye ke ukuphucula ukulinganiswa kwekhredithi yakho.
Bayazi Yintoni Okumele Yenze Nini
Njengoko ilizwi elidumileyo lihamba, awukwazi ukulahleka xa ungayazi apho uya khona. Abanikazi bezentengiso ze-Credit bayazi into abayifunayo kwaye bayazi into ekumele yenziwe kunye nendlela yokuyenza ukuze bafike kuyo. Bayazi ukuba bahambe nini kwi-mboleko yebhankini , xa bahlawula nayiphi na inyala kunye nokuba bahlawula iindleko zabo ukwenzela ukwandisa ukulinganiswa kwemboleko kwishishini labo. Yilokho eyenza umehluko phakathi kwempumelelo kunye nokungaphumeleli kwishishini.
Ukuze ukwandise ukulinganiswa kweentengo zemali, umntu kufuneka afune ukulahlekelwa nayiphi na imali ehlawulwayo. Yile nto abantu abaqhuba ngayo i-credit savvy. Bayazi ukuba baza kufaka isicelo sembolekiso, nini ukuba babuyisele imali mboleko kunye nokuba basebenze nomthengisi othile kunye njalo. Lo ngumkhuba wemihla ngemihla ukuba ngamnye oosomashishini kufuneka aphuhlise ngexesha lokuqhuba ishishini.
Baxhamla amathuba okuTyala
Ukuze ube yi-savvy yengxowa kwaye uphumelele kwishishini, kufuneka ube nompawu obalaseleyo owona mntu. Kufuneka ukwazi ukubona amathuba ahlukeneyo angakunceda ekufumaneni iimali ozifunayo kwi shishini lakho . Xa kufikelele kumathuba amatyala, kulula ukuba abuyisele, omnye kufuneka ahlale ekhangeleke ukuba afuneke afikeleleke.
Njengoko uqhuba ibhizinisi lakho imihla ngemihla, kujonge ukubonelela ngeengcebiso ezikhoyo ngexesha elifanelekileyo kwaye xa kukho imfuneko yokufaka isicelo. Nangona kunjalo, ungafaki isicelo semboleko yemveliso xa kungekho mfuneko. Kufuneka kubekho isidingo, ngaphandle koko, ungahambi kuyo kuba inokungena kwiinkathazo.
Ukuba usoloko ufuna ukufumana umnini-shishini we-credit savvy, eli nqaku likunika ukukhanya okuluhlaza malunga nendlela yokufeza le njongo. Iindlela ezili-10 xa zithatyathwa ziza kuhamba ixesha elide ekuncedeni ukuba uphucule kwaye ulondoloze ubini bakho kunye namanqaku akho ekhredithi.