Uninzi lweemeko kunye nezinto eziphambili ziza kubangela ukuba ukhethe indlela yokuhlawula. Uninzi luya kuxhomekeka kwindlela owazi ngayo malunga nokuthengisa imali kunye nokuthanda kwakho umthengi ukuba amkele imimiselo nemiqathango yakho.
Izinto ezifanele ziqwalaselwe ngokukhetha indlela yokuhlawula
- Ukufumaneka kwakho kwemali kunye nezidingo. Ngaba unako ukuhlawula ngokukhawuleza okanye ufuna iimfuno-iintsuku ezingama-30, ezingama-60 okanye ezingama-90, umzekelo.
- Ulwalamano lwakho nomthengisi wakho. Ulwalamano lwakho olunjani kunye nomthengi wakho? Ngaba baya kukulungele ukuxoxisana nemigangatho eyinqoqo-mpumelelo kwimibini yomibini? Emva koko, nonke nidinga ukwenza imali ekuthengiseni.
- Iimeko zezoqoqosho kwilizwe oza kungenisa kulo. Ingaba imali ihamba ngokukhawuleza ngaphakathi nasezweni eliphuma kulo? Ukuba iimeko zizinzima, yintoni eyenziwa ngumsebenzi? Mhlawumbi ufanele uqwalasele i- countertrade, i-bartering okanye umthwalo .
- Amanqanaba omdla kunye nezinto zokulungiswa kwemali. Ukuba usebenza kwiidola zase-US, oku kungenakukuchaphazela, kodwa ukuba uqhuba umthamo omkhulu we-order kunye nokuphindaphinda ibhizinisi kunye nemali oyikhethayo yinto enamandla kakhulu, inokuchaphazela inzuzo yakho. Abanikezeli abaninzi (kunye nabangenisekanga) abayifaki imarike yemali kwiinkqubo zabo zokwenza izigqibo, kwaye oko akuchanekanga kuba ukuba ngaba kunjalo, banokugqiba ukufumana ngaphezulu imali efanayo. Qhagamshelana nombhanki wakho ukuze ubone ukuba kukho indlela engcono yokusingatha ukuguquka kwemali.
- Uhlobo lwe mveliso. Ingaba kukho imfuno enkulu apho uzimisele ukuyithengisa? Ukuba kunjalo, umthengisi wakho unokufuna ukulungelelanisa nemigaqo yokuhlawula.
- Ukuthenga ngetyala lomthengi. Ukuba i-credit card yomthengisi ihluphekile, uya kuhlupheka ngenxa yokuba imimiselo yabo iya kuba yingozi, ukuya kumbandela wokumisela ukuhlawula kwangaphambili okanye ekuhambisweni. Fumana omnye umthengisi! Awufuni ukuba kwizikhonkwane kunye neenaliti rhoqo xa ubeka umyalelo, ungalokwazi ukuba umthengi wakho uya kuhlala eseshishini, makungacingi ukuba yeyiphi ixesha elizayo lokuhlawula liza kuba.
- Amagunya abo abakhuphisanayo anikezela ngawo. Yenza umsebenzi wakho wasekhaya. Khangela ukuba zeziphi ezinye iifemu ezikhuphisanayo ezinikelayo xa kuziwa kwimigaqo yentlawulo.
- Izidingo zomthengisi wakho. Ude kangakanani uzimisele ukuhamba xa umthengi ebeka iimfuno ezingqongqo kuwe? Ngaba kukho enye indawo yokubonelela ngubani oza kukulungele ukuhlangabezana neemfuno zakho?
- Ukukhawuleza kwintengiso. Ngaba ungaphantsi kwexesha? Akukho mntu uxoxisana nemigangatho efanelekileyo yentlawulo phantsi koxinzelelo. Ukuba unesimo esingekho kwimpahla kwaye udinga ukuthengiswa ngokukhawuleza ngokukhawuleza, zikulungele ukuhlawula intlawulo yomthengi wakho ukuba uyithabathe kwaye uyifumane impahla ngokukhawuleza.
Naliphi na imigaqo yokuhlawula uxoxisana nayo, kufuneka uhlale uqinisekisa ukuba uyaqondwa ngabo bonke imibutho kwaye umthengi wakho makasayine idokethi ebonisa ukuwamkelwa, njengenvoyisi yeproforma. Oku kukuthintela ezinye izinto ezikumangalisi emva koko kwaye kuncitshiswe ukunyanzeliswa kwakho kwempahla.