Makhadi a kirediti kadi amapereka ulemu. Anthu omwe amapeza bwino si omwe ali ndi malire akuluakulu kapena mapulogalamu opatsa mphoto kwambiri. Ndi omwe amasamala kwambiri za zizolowezi zazing'ono zomwe zimangonyalanyazidwa mosavuta zomwe zimawonjezeka pang'onopang'ono pakapita miyezi ndi zaka. Zizolowezi zimenezi sizifuna ma spreadsheet kapena ukatswiri wazachuma. Zimafuna chidziwitso, komanso kufunitsitsa kuzindikira zomwe eni makadi ambiri amadutsa.
Werengani Chikalatacho Musanachilipire
Pafupifupi aliyense amalipira bilu ya kirediti kadi yake. Ochepa kwambiri ndi omwe amawerenga chiganizo choyamba. Izi zikumveka ngati kusiyana kochepa, koma zimasintha chilichonse. Kuwerenga chiganizo mzere ndi mzere kumakukakamizani kulimbana pang'ono ndi zenizeni. Mumawona kulembetsa komwe mudayiwala kuletsa. Mumawona ndalama zobwerezabwereza kuchokera ku lesitilanti. Mumawona zinthu zazing'ono zomwe mumagula tsiku ndi tsiku zomwe, payekhapayekha, sizimavulaza, koma pamodzi zimawerengera gawo lofunika la biluyo.
Lamulo lothandiza ndilakuti musamalipire lipoti lomwe simunawerenge. Ngakhale mphindi zisanu ndizokwanira. Simukuwerengera banki. Mukuyang'anira momwe ndalama zimayendera mukasiya kuyang'ana.
Lipirani Zoposa Kamodzi Pamwezi
Anthu ambiri amalipira khadi lawo kamodzi pa nthawi iliyonse, pa tsiku lomaliza kapena pafupi nalo. Izi zimagwira ntchito, koma sizimaonekera. Kwa mwezi wonse, ndalama zomwe mudalipira zimakhala pa chilichonse chomwe chidachitika pamene chikalatacho chidatsekedwa, ndipo chithunzi chimenecho ndi chomwe mabungwe obwereketsa ngongole amawona. Ngati mumakonda kulipira ndalama zambiri tsiku lisanafike tsiku lolipira, kugwiritsa ntchito kwanu komwe mudalipira kumawoneka kokwera kuposa momwe mumafunira.
Kulipira pang'ono pakati pa nthawi yolipira, ngakhale pang'ono, kumathandiza kuti izi zitheke. Kumathandizanso kuti muyang'anenso bwino zamaganizo. Mumawonanso ndalama zomwe zatsala, mumawona nambala yomwe ikupita komwe mukufuna, ndipo mumakhalabe ndi khadi m'malo molilola kuti liziyenda pa autopilot mpaka chiganizo chotsatira.
Dziwani Mtengo Weniweni wa Zinthu Zosavuta
Makhadi a ngongole amapereka mndandanda wautali wa zinthu zosavuta: ndalama zolipirira, kusamutsa ndalama, mapulani olipira pang'onopang'ono pazinthu zazikulu zogula, ndi mitundu yosiyanasiyana ya ndalama zomwe zimakhala zabwino mpaka mutawerenga zolemba zazing'ono. Chilichonse mwa izi chili ndi kapangidwe kake ka mtengo, ndipo ambiri mwa iwo ndi okwera mtengo kuposa APR wamba wogula.
Izi sizikutsutsana ndi kugwiritsa ntchito. Nthawi zina ndi chida choyenera. Mfundo ndi yakuti mtengo wake uyenera kukhala wosankha mwadala, osati wodabwitsa. Musanagwiritse ntchito chinthu chilichonse chomwe simunagwiritsepo ntchito kale, yang'anani mawu ake enieni mu mgwirizano wanu ndi mwini khadi. Mphindi ziwiri zomwe zingatenge zingapulumutse milungu ingapo ya chiwongola dzanja chowonjezeka.
Funso likakula kuposa khadi lanu limodzi, ndikofunikira kufufuza mautumiki omwe amathandiza eni makadi kupeza ndalama moyenera. Anthu ena amagwiritsa ntchito mwakachetechete ntchito ya ku Korea yotchedwa 카드깡 드림기프트 kuganizira bwino zomwe angasankhe asanasankhe njira iliyonse. Phindu lake si ntchito yeniyeni. Ndi chizolowezi choima kaye kuti muyerekeze, m'malo movomereza njira yoyamba yomwe ili patsogolo panu.
Lumikizani Khadi ndi Ndalama Zogulira
Eni makadi omwe ali ndi makadi oposa limodzi nthawi zambiri amalephera kugwiritsa ntchito khadi lomwelo pa chilichonse. Izi n'zosavuta koma sizigwira ntchito bwino. Makhadi osiyanasiyana ali ndi mphamvu zosiyanasiyana: kubweza ndalama pa zakudya, mapointi paulendo, ma statement credits pa streaming, chitetezo cha ndalama pa zinthu zakunja. Mphoto zake ndi ndalama zenizeni, koma pokhapokha ngati khadi yoyenera ikwaniritsa zomwe zanenedwa.
Kuchita zinthu zosavuta kumathandiza. Kamodzi pa kotala, lembani khadi lomwe limalipira ndalama zambiri pa gulu liti. Sungani kalatayo pamalo pomwe mudzaiwona musanalipire, osati mutalipira. Pakatha chaka chimodzi, kusiyana pakati pa kugwiritsa ntchito khadi limodzi ndi kufananiza khadi lililonse ndi mphamvu yake kungakhale kothandiza, makamaka ngati mukuyenda, kudya kunja, kapena muli ndi ndalama zobwerezedwa panyumba.
Kuchulukitsa Malire Othandiza Anthu Ena Ngati Chida, Osati Mphotho
Wopereka khadi akakupatsani ndalama zowonjezera, chibadwa chake ndi kungovomereza kuti ndi chitsimikizo kenako nkuiwala. Njira yanzeru ndiyo kuganizira zomwe ndalama zatsopanozo zikusintha. Ndalama zowonjezera zimawonjezera chiŵerengero cha momwe mungagwiritsire ntchito ndalama ngati mupitiliza kugwiritsa ntchito ndalama mosalekeza, zomwe zingathandize kuti ngongole yanu ikhale yabwino. Koma zimawonjezeranso kusiyana pakati pa zomwe mungalipire ndi zomwe mungabweze bwino. Nambala yomweyi yomwe imathandiza ndalama zanu papepala ingawononge ndalama zanu ngati ichepetsa chilango chanu.
Chizolowezi chabwino kwambiri ndi kuvomereza kuwonjezeka, kulemba, kenako nkunyalanyaza. Malire si cholinga. Ndi chotetezera. Chitani motero, ndipo khadi lanu limakhalabe chida. Chitani ngati chizindikiro, ndipo khadi limayamba kuyendetsa ubale m'malo mwa inu.
Zizolowezi zazing'ono, zomwe zimagwiritsidwa ntchito nthawi zonse, ndi zomwe zimasiyanitsa eni makadi omwe amadziona kuti ndi olamulira ndi omwe amadziona kuti akutsatiridwa ndi zomwe akunena. Palibe chilichonse mwa izi chomwe chimafuna chidziwitso chapadera. Chimangofunika kufunitsitsa kulabadira mfundo zochepa zomwe anthu ambiri amasiya pa autopilot.
