xhosa.2636.finance (advice cover)
KOLU SHICILELO: 80 Indlela yokufumana umsebenzi owunqwenelayo
82 Ukumelana nepati yase-ofisini 84 Iindlela zokulwa neHIV/AIDS 86 Ezolimo: yintoni ongayityala nini 88 Iingcebiso Zomthetho 89 Ukuqonda ukusebenza kweeselfowuni 90 Ezeemoto 92 Amayeza esintu 94 Buza uSis Sarah
95 Iinkwenkwezi 96 Iingcebiso zabazali 98 Ezolutsha: amacebiso kaFat Charlie
100 Ezothando: Amacebiso ali-10 okuxoxa ngelobola
iindlela zokumelana
namatyala
Indlela yokuzigcina nindawonye nekhadi lakho lokuthenga ngetyala...
ABATHENGI abalumkileyo bebewatshixele amakhadi abo okuthenga ngetyala (icredit card) ngethuba ixhomile inzala yemali-mboleko kulo nyaka uphelayo. Xa ke uzimisele ukuthenga yonk' into oyifunayo kwezi holide zeKrismesi naphambi kokuba kuvulwe izikolo ngoJanuwari, khumbula oku...
1. UNGATHENGA NGAMALINI"
Ibhanki ekunika ikhadi lokuthenga ngetyala iyakuxelela ungathenga ngamalini. Leyo ke yimali ofanele uthenge ngayo yonk' into oyifunayo.
Ingangavumi ke ukuba uthenge ngaphezu kwaloo mali uyibekelweyo. Xa ikuvumele uyahlawuliswa
ngaloo nto.
Lumkela imali oyisebenzisayo noyihlawulayo ukuze ungagqithi koyimiselweyo. Xa ungaqinisekanga, buza kwibhanki ekunike elo khadi.
2. IXESHA LOKUBHATALA
Sihlawule isavenge ekuthiwe kufuneka usihlawule ngenyanga. Unawo nomtyhi wokungabhatali phantse iinyanga ezimbini xa unengxaki yemali.
Inzala yemali-mboleko yekhadi lokuthenga ngetyala ixhomile kuneyemali oyiboleka ebhanki, ngoko ufanele wazi ukuba ziqala ziphele nini iintsuku ezi-5 ozibekelweyo. Ungazibala kwisteyithimenti sakho, kanti xa ungaqiniseki ungabuza kwibhanki yakho.
Ukuhlawula ityala ngekhadi lokuthenga ngetyala kufana nokudlala ngomlilo. Kuthintele oku ngokwenza ibhajethi ehlawula onke amatyala akho.
3. ZIKHUSELE
Ukuze ukhusele ikhadi lakho kwizikrelemnqa ngezi holide zeKrismesi, jonga ukuba lisayiniwe na ngasemva, kanti xa unala amatsha anenombolo eyimfihlo, ungaligcini ikhadi ndawonye naloo nombolo. Xa ufuman' ikhadi elitsha, lisayine ngoko nangoko, elidala ulisike libe ziipisi.
Sifunde isteyithimenti sakho zonk' iinyanga - singakubonisa xa ikhadi lakho lisetyenziswa ngomnye umntu! Idla ngokubuyiswa imali esetyenziswe kulo ngobuqhetseba, kodwa kufuneka uyixele ngokukhawuleza yaye ubenobungqina bokuba belingasetyenziswa nguwe.
Yiba nenombolo yokuxela ubuqhetseba, ukulahleka nokubiwa kwekhadi lakho kwiselfowuni nasespajini sakho. [x]
Umbhali: Patricia McCracken (Eziny' iinkcukacha: Visa, MasterCard neVirgin Money)
SIYAKUNCEDA UZINCEDE ihlelwe nguPatricia McCracken
