Ndiyilungele njani iBathengi?
Xa uqala ishishini, enye yemisebenzi yakho yokuqala kufuneka ibe isigqibo sokuba uza kuqokelela imali kubathengi.
Indlela ofumana ngayo imali kubathengi kuxhomekeke kwindlela yakho yezoshishino.
- Ukuba ufumana imali kubathengi ngekhredithi okanye kumakhadi e-debit, akufanele ukhathazeke ngokuqokelela.
- Amanye amashishini amkela imali kuphela, kodwa kukho iingxaki ngezoshishino zemali, kubandakanywa nokungagcini iirekhodi zoshishino.
- Ukuba awuhlawulwa ngexesha lokuthengiswa, kufuneka uhlawule abathengi (kuquka amanye amashishini), oku kuthetha ukuba kuya kufuneka ufumane indlela yokuqinisekisa ukuba le mivuzo ihlawulwa.
Umthetho # 1 wokufumana ukuhlawulwa ngabathengi
Into ebaluleke kakhulu ukuyikhumbula malunga nokuhlawula kunye nokuqokelela ukusuka kubaxumi kukuba i-bill bill ayifumanekanga, akunakwenzeka ukuba uya kufumana imali yakho. Ngoko kuya kufuneka ulungise inkqubo ethile yokuqokelela uze uqinisekise ukuba uyayilandela nayo yonke ikhasimende.
Inkqubo yoBathengi abathengi
Ngaphambi kokuba udlulisele ikhredithi kubathengi, qalisa ngokudala imigaqo ethile malunga nokwamkela i-credit, ukwenza ukuhlolwa kwekhredithi, nokuthetha nabathengi malunga nenkqubo yokuhlawula kunye nokuqokelela.
Emva koko umise inkqubo yokubamba ulwazi malunga nabaxhasi - ngubani oboleka imali, ubuninzi bentyala, kunye nexesha elide lihlawulwa ngayo.
Uninzi lweenkqubo zeprosoft software zineemodyuli yomthengi evumela ukuba ungene kule datha.
Ungangena ii - invoyisi xa wenza umsebenzi okanye uhambisa umkhiqizo, kwaye ufaka iintlawulo njengoko zingena. Kodwa kufuneka uqhubeke kunye nale phepheni ukugcina umkhondo wee- akhawunti ezifunyenweyo ( imali efunekayo).
Ingxelo eguguleyo yokuguga iyisitori sakho sokuthatha isigqibo malunga nesicwangciso sokuhlawula abathengi.
Ukuthumela iiBhili
Khumbula Iikholeji Umgaqo # 1 xa ucinga ukuthumela iibhili. Amashishini amaninzi athumela iibhanki kubaxhasi kuphela ngenyanga, oko kuthetha ukuba banokulinda ukuya kwiiveki ezintandathu ukuze bahlawule (inyanga ukuthumela i-bill, emva kweeveki ezimbalwa ngaphambi kokuba umthengi ahlawule).
Thumela ii-billing rhoqo, okanye wenze iifowuni phakathi, ukukhupha izikhumbuzi zokukhumbuza amakhasimende ukuhlawula. Ezinye iikhampani zithumela iibhola kwiibhetts, kunye nenxalenye yabathengi zihlawulwa ngeveki. Inkokhelo yokubhalwa kweetch ikunceda ukugcina imali ezayo ngokuqhubekayo.
Cwangcisa isicwangciso sakho sencwadi yokuTyala
Inkqubo yakho yokuqokelela ingabandakanya iifowuni, iileta, okanye zombini, kuxhomekeke kuhlobo lwakho lomthengi. Isicwangciso esisodwa kukuqala kwinqanaba elincinci lokukhathazeka kwaye ngokukhawuleza ibe yinto engakumbi, ibe yinto enobudlova. Esi sicwangciso sezinga elikhulayo singasebenza kwiifowuni okanye iileta okanye izikhumbuzo zokuhlawula i-imeyile.
- Inqanaba elilodwa - "Oops"
Le leta ithatha umthengi ukhohliwe ukuthumela intlawulo; nguye "mhlawumbi uthumele oku kodwa intlawulo kufuneka ibe ngeposi.
- Amanqanaba amabini - Yintoni engalunganga?
Le leta ithatha umthengi ufuna ukuhlawula kodwa iimeko ezingaqhelekanga zikhusela ukuhlawulwa. Incwadi ezimbini zibonisa iindlela zokuhlawula, kodwa unikeza umhla oqinileyo apho kufuneka kwenziwe intlawulo.
- Inqanaba lesithathu - Ultimatum
Eli nqanaba kufuneka libe yileta. Kucinga ukuba umthengi akayi kuhlawula kwaye uchaza umhla oqinileyo apho kufuneka kwenziwe intlawulo okanye iinkqubo zokuqokelela ziya kuqaliswa. Musa ukuthumela le leta ngaphandle kokuba unenjongo yokuya ekuqokeleleni kule matyala.
Ukuba umthengi akayi kuhlawula, uza kufuneka uthathe isinyathelo sokugqibela-ukuthatha umntu kwiinkantolo zamabango amancinci okanye ukuguqula i-bill kwiziko leqokelela. Funda okunye malunga nezinye iindlela ozenza ngayo umthengi nje akayi kuhlawula.
Abathengi bentlawulo: Ukubeka konke ndawonye
Ekugqibeleni, yenza isigqibo kwisicwangciso sakho sonke sokuhlawula. Ngaba uya kuthumela iileta? Sebenzisa ifowuni? Intlangano? Uya kuthumela nini iindleko okanye wenze iifowuni?
Beka ndawonye inkqubo jikelele, kunye neencwadi kunye neempendulo zefoni, ke zonke izinto zihlaziywe ngummeli wakho ukuqinisekisa ukuba ugcina umthetho.
Bese usebenzisa i- akhawunti yakho yokuguga efunyenwe kukukhokela njengoko usebenza ngala ma-akhawunti abathengi kwaye wenze isigqibo malunga nezicwangciso zokuhlawula.