Indlela yokubona izipesheli ezinhle kakhulu zamakhadi esikweletu e-Mexico ngaphandle kokukhohliswa amaphromoshini adukisayo

Izikhangiso

Iziphesheli zamakhadi esikweletu e-Mexico ziya ngokuya ziba nolaka: izitolimende ezingenanzalo, ukungakhokhi imali yonyaka, ukubuyiselwa kwemali, amaphuzu aphindwe kabili nokugunyazwa okusheshayo. Nokho, akuwona wonke amaphromoshini awusizo ngempela. Ukwazi ukubona isiphesheli esihle kungakongela izinkulungwane zama-peso esikhathini eside.

Uma ufuna ukukhetha ngokuhlakanipha futhi ungagcini usuthatheka yizikhangiso, lo mhlahlandlela uzokusiza ukuhlola isiphakamiso ngasinye ngendlela efanele.

Ukuqonda ukuthi kusho ukuthini “okunikezwayo okungcono kakhulu”

Ukunikezwa okungcono kakhulu akuhlali kuyilokho okuthembisa izinzuzo eziningi, kodwa yilokho okunokulingana okufanele phakathi kwe:

Izikhangiso

  • Izindleko

  • Imibandela

  • Izidingo

  • Izinzuzo zangempela

  • Ukuhambisana nesimo sakho sezezimali

Ngaphambi kokufuna amaphromoshini, kufanele ucacise umgomo wakho: ingabe ufuna ukwakha umlando wesikweletu? Ukukhokhela okuthengayo ngesikweletu? Ukuqongelela imiklomelo? Ukunciphisa izindleko?

Ngaphandle komgomo ocacile, noma yikuphi okunikezwayo kungase kubonakale kukhanga.

Hlaziya izindleko kuqala, bese ubheka izinzuzo

Abantu abaningi benza iphutha lokugxila kuphela emivuzweni bese bekhohlwa ukuhlola izindleko.

CAT (Izindleko Zonyaka Eziphelele)

I-CAT iyinkomba ebaluleke kakhulu. Ihlanganisa inzalo, izimali ezikhokhwayo nezinye izindleko. Nakuba ikhadi linikeza izinzuzo ezikhangayo, uma i-CAT iphezulu futhi ungayikhokhi yonke imali oyikweletayo njalo ngenyanga, uzogcina usukhokha imali eningi kakhulu.

Qhathanisa njalo i-CAT phakathi kwezinketho eziningana.

Izinga lenzalo

Uma uhlela ukukhokhela okuthengayo ngokuhamba kwesikhathi, hlola izinga lenzalo lonyaka. Ngisho nomehluko omncane ungaba nomthelela omkhulu uma ugcina unesikweletu esingakakhokhwa.

Imali yonyaka nezindleko ezengeziwe

Amanye amakhadi awakhokhisi imali yonyaka wokuqala, kodwa aqala ukuyikhokhisa kusukela kowesibili. Amanye anezindleko zokushintshwa kwekhadi, zokukhipha imali noma zezinsizakalo ezengeziwe. Funda imininingwane ngaphambi kokunquma.

Hlola isikhathi sokusebenza kwamaphromoshini

Ukunikezwa okuningi kunemibandela ethile efana nale:

  • Izinzuzo ezitholakala kuphela ezitolo ezithile

  • Umkhawulo ophezulu wokubuyiselwa kwemali

  • Izinyanga zokukhokha ngaphandle kwenzalo, kuphela ngezikhathi ezithile zonyaka

  • Amabhonasi ancike ekusetshenzisweni kwemali okungenani okuthile

Ukunikezwa okukulungele ngempela kufanele kuhlale kukufanele ngokuhamba kwesikhathi, kungakhangi enyangeni yokuqala kuphela.

Hlola ukuthi kulula kangakanani ukugunyazwa

Ukunikezwa okuhle akusizi uma ungakwazi ukukuthola. Ngaphambi kokufaka isicelo, hlaziya:

  • Imali engenayo encane edingekayo

  • Isikhathi esidingekayo osusisebenzile

  • Uhlobo lobufakazi bemali engenayo obudingekayo

  • Izinga lomlando wesikweletu elidingekayo

Ukukhetha ikhadi elifanele isimo sakho kwandisa amathuba akho okugunyazwa futhi kugwema ukwenqatshwa okungathinta umlando wakho wesikweletu.

Bheka umkhawulo wokuqala kanye nezinqubomgomo zokuwunyusa

Amanye amakhadi aqala ngemikhawulo ephansi kodwa avumela ukuba inyuswe ngokuzenzakalelayo uma uliphatha kahle. Amanye agcina imikhawulo yawo iqinile isikhathi eside.

Uma uhlela ukuthenga izinto ezibizayo, qinisekisa ukuthi likhona yini ithuba langempela lokunyusa umkhawulo wesikweletu sakho ngokuhamba kwesikhathi.

Ungakhohliswa “ukugunyazwa ngokushesha”

Amaphromoshini athembisa ukugunyazwa ngokushesha angakhanga, kodwa kubalulekile ukuhlola imibandela ehambisana nawo. Ngezinye izikhathi, le mikhiqizo inamazinga enzalo aphakeme noma izinzuzo ezilinganiselwe.

Ukushesha akusho njalo ukuthi kuyindlela engcono.

Isu elihlakaniphile lokuqhathanisa okunikezwayo

Ukuze ukhethe kahle, landela le ndlela esebenzayo:

  1. Chaza umgomo wakho oyinhloko.

  2. Khetha izinketho ezintathu noma ezine ezihambisana nesimo sakho.

  3. Qhathanisa i-CAT, imali yonyaka nezinga lenzalo.

  4. Hlola izinzuzo zangempela nemibandela.

  5. Hlola izidingo namathuba okugunyazwa.

  6. Faka isicelo senketho enokulingana okuhle kakhulu kuphela.

Ukugwema ukufaka izicelo eziningi ngesikhathi esifushane kuvikela umlando wakho wesikweletu.

Ungazi kanjani ukuthi kukufanele ngempela

Ukunikezwayo kukufanele lapho:

  • Ungakwazi ukukhokha yonke imali oyikweletayo inyanga ngayinye ngaphandle kobunzima.

  • Izinzuzo zidlula izindleko.

  • Akukubophezeli ekusebenziseni imali engaphezu kuka-30 % wemali yakho engenayo yanyanga zonke.

  • Kuhambisana nendlela ophila ngayo nemikhuba yakho yokusebenzisa imali.

Uma ikhadi likuphoqa ukuthi usebenzise imali eningi kunaleyo ovame ukuyisebenzisa ukuze nje uthole izinzuzo, cishe akuyona inketho engcono kakhulu.

Ngemva kokukhetha okunikezwayo okufanele

Uma usuthole enye indlela ekulungele kakhulu:

  • Lisebenzise ngobuhlakani.

  • Khokha njalo ngaphambi kosuku lokugcina lokukhokha.

  • Gwema ukuxhasa isikweletu ngokukhokha inani eliphansi kuphela.

  • Hlola njalo okwenziwayo ku-akhawunti yakho.

Ukulisebenzisa kahle kuzokuvumela ukuthi uthole okunikezwayo okungcono esikhathini esizayo futhi uthuthukise isimo sakho sezezimali.

Ukucabanga kokugcina

Ukuthola izipesheli ezinhle kakhulu zamakhadi esikweletu eMexico kudinga ukuhlaziya nokuzithiba. Ungavumeli ukukhushulwa okukhanga kakhulu kukudukise. Hlola izindleko zangempela, imigomo nesimo sakho sezimali samanje.

Ikhadi elikhethwe kahle lingaba ithuluzi elinamandla lokuhlela izimali zakho nokusebenzisa amathuba. Umehluko usekuqhathaniseni ngaphambi kokwenza isinqumo.