Ukuba ungumnikazi kunye / okanye usebenze ibhizinisi elincinci kumgangatho ophakathi, uyazi mhlawumbi ungcono kunabo nabani na ukuba kukho nawuphi na umhla okhoyo kunamakhulu ezinto ezenza ukuba uqaphele. Ngelishwa, ngelixa uhamba ukuya kwimisebenzi, izinto ezifana nokulawula imicimbi yezemali zeshishini lakho zihlala zichithwa kwi-burner yangemuva kwindawo leyo eyaziwa ngokuba yi "Day One Isle."
Ukuba unokwazi ukuchazela le meko yonke into eqhelekileyo, ukhona kwiindaba ezilungileyo.
Amabhanki namanye amaziko emali axinzelela umnqweno wokukunceda ukuba uphathe kakuhle i-credit yakho ngokubonelela ngamakhadi eentengo zekhredithi . Ukuqhubela phambili, ukusetyenziswa ngokufanelekileyo kwala makhadi kungenza umehluko omkhulu kumlo wekhredithi yakho nje kuphela xa ulawula kakuhle. Ukwenza oko yinjongo yale nqaku.
Ulawulo olusebenzayo lweeKharityhulam zeNkcitho zeMashishini
Ukukhusela i-credit card yakho ebalulekileyo kuyimfuneko ekusebenzeni kakuhle kweshishini lakho. Oku kubaluleke kakhulu kuba nekhadi lokuthenga ngetyala kunye nokuqinisekisa ukuba bahlawulelwa rhoqo kunye nexesha. Ngokungafani nekhredithi yomntu siqu, ukuba neakhawunti ezininzi zeentengo zetyala zingabangela ukuba i-credit yakho imile kuba ibonisa ukuba unako ukulawula iakhawunti zakho ngokufanelekileyo. Kucacile ukuba konke oku kubhaliweyo kunye ne-arhente enkulu yokunika ingxelo ngetyala, enokukunceda.
Gwema u-Co-Mingling
Inxalenye ebaluleke kakhulu yokulawula amakhadi enkcitho yoshishino lakho kukuphepha ukudibanisa.
Oku kuthetha ukungadibanisi imicimbi yezezimali kwishishini lakho kunye nobomi bakho. Kwakhona, gcina iirekhodi ezilungileyo zentsebenziswano yezemali yezoshishino, ezinokukunceda kakhulu ngokusebenzisa iingxelo zenyanga ezibonelelwe ngamakhadi ekhredithi .
UkuLawula Imeyili Yakho
Nangona kubonakala ngathi kuqala njengento encinci, ngeendlela ezininzi i-imeyile yakho ibhokisi lemali yebhizinisi lakho.
Oku kuyinyani xa ucinga ukuba oku kubaluleke kakhulu apho ufumana iibhokhwe zakho kunye nezitatimende zakho zasebhanki. Kwaye kwiingxelo zakho zebhanki ziza kufika ngokwemvelo iingxelo zekhadi lesikweletu.
Kungase kubonakale kulula ukutsho kunokuba kwenziwe, kodwa kufuneka uceba ukuhlaziywa iingxelo zekhadi lakho lokuthenga ngetyala ngokukhawuleza emva kokuba uwamkele. Uninzi lwabanini beshishini kunye nabaphathi bawukhupha, becinga ukuba yonke into equlethwe kule miqulu ichanekile. Ingxaki kukuba kaninzi ayinayo, kwaye oku kungachaza iindaba ezimbi kuwe ukuba azinjalo. Ngethamsanqa, xa kukho impazamo, unokuqhele ukunyamekela ngefowuni okanye ukutyelela kwibhanki yakho.
Thatha inzuzo yemivuzo
Iinkampani zekhadi lokuthenga ngetyala zikwishishini ukwenza imali, njengawe. Ngenxa yesi sizathu, banikeza izikhuthazo ukuba usebenzise amakhadi akho ekhredithi. Ezi zivame ukuhluka ngokubhekiselele kwishishini osebenza kuyo, kodwa kungakhathaliseki ukuba yintoni, kufuneka ukhangele ukuba bawasebenzise. Ezi zinokuthi zihluke kwiiofisi zeeofisi kunye nezixhobo eziphuculwayo kunye nezoxhobo zokuqhuba amathikithi okanye iikhilomitha.
Nantoni na, bafanele uqinisekise ukuba uyazi malunga nabo kwaye baxhaphaze ukuba baya kukunceda.
Kuye kaninzi abaphathi bezentengiso bavumela izinto ezinjengeenqwelo-moya zamanqaku ezinqwelomoya ukuba zigqithise kuphela ukuba zifumanise kamva ukuba abasebenzi baye bazisebenzisa kwiinzuzo zabo. Njengoko ungumnini wezoshishino, ezi zinzuzo zizokwakho ukunandipha, kungekhona umqeshwa wakho.
Jonga Ukuhamba Kwemali Yakho
Enye yezona zibalulekileyo iimpawu zabanini-shishini kunye nabaphathi abagcina ibhizinisi labo abamnyama kukuba bakwazi ukulawula ukuhamba kwemali . Oku kungabonakala ngathi kuyinto encinci, kodwa ayikho. Ukungena kwemali embi kukunyanzelisa ngaphandle kweshishini ngokukhawuleza nezinye izinto ezininzi. Ngethamsanqa, amakhadi enkcitho yoshishino angakunceda ngeendlela ezimbini ezibalulekileyo malunga noku.
Okokuqala, kwaye ngokucacileyo, yinto yokuba amakhadi enkokhelo yoshishino angakubeka phezu kwe "hump" xa imali imfutshane kakhulu. Kwakhona, uhlolo-mali lwenyanga nganye olunikezwa ngamakhadi e-credit card alukwazi ukukubonisa kuphela oko uchithile kwaye nini, kodwa kwakhona unokukhupha iiflegi ezibomvu apho zingase zibe yingxaki, njengokuba umqeshwa esethatha okanye esebenzisa kakubi ikhadi lakhe.
Ingxelo yakho yenyanga ingakubonisa le miba ixesha elide ngaphambi kokuba kukho ingxaki.