Ngati simulipira ngongole yanu ya kirediti kadi, mudzakulipilirani amalipiritsa mochedwa , mwaphonya nthawi yanu yachisomo ndipo muyenera kulipira chiwongola dzanja pamalipiro . Zolemba zanu ngongole imatsikanso ngati ichedwa osachepera Masiku 30 polipira ngongole yapa kirediti kadi. Mukapitiliza kulipira, woperekayo akhoza kutseka akaunti yanu, ngakhale mudzakhalabe ndiudindo wa invoiceyo.
Ngati simulipira ngongoleyo mokwanira , woperekayo amatha pamapeto pake Kumusumira kulipira kapena kugulitsa ngongole yanu kwa a bungwe losonkhanitsa (ndani angakutsutse). Koma si zonse kapena palibe chilichonse chokhala ndi kirediti kadi. Ndi nkhani yosiyana kwambiri ngati mungolipira kuchuluka kofunikira kofunikira .
Ngati mumalipira pafupipafupi zosakwana tsiku loyenera , akaunti yanu idzatsalira bwino Ndipo simuyenera kukumana ndi zolipirira mochedwa, chindapusa, kapena kuwonongeka kwa ziwongola dzanja zanu. Muyenera kulipira chiwongola dzanja pa zotsala zotsala pamlingo wokhazikika wa khadi yanu.
Izi ndi zomwe zimachitika ngati simulipira khadi yanu:
- Ngati mumalipira ndalama zochepa koma osalipira zonse: Ndalama zanu zonse zomwe simulipire zidzawonjezeka chifukwa cha APR yanu yokhazikika. Mutha kutaya nthawi yanu yachisomo, kotero kugula kwatsopano kumapangitsanso chidwi nthawi yomweyo.
- Ngati simulipira chilichonse: Akaunti yanu imanenedwa kuti imachedwa ndi ofesi ya ngongole pambuyo poti nthawi ziwiri zatha. Izi zitha kupweteketsa ngongole yanu. Kuphatikiza apo, chiwongola dzanja chofika $ 38 chitha kuwonjezeredwa pamalipiro anu (koma sichingadutse ndalama zomwe mumalipira). Yemwe amakupatsirani ndalama amathanso kuyika APR ya chilango pazinthu zatsopano, ngakhale akuyenera kukuwuzani masiku 45 pasadakhale.
- Ngati mwachedwa masiku 60 pamalipiro ochepa: woperekayo atha kulembetsa chindapusa APR pamlingo wonse womwe ulipo.
- Ngati mwachedwa masiku 180 pamalipiro ochepa: kampani yama kirediti kadi iyenera kulemba ngongole yanu (ndikuwona ngati kutayika kwa misonkho). Koma sizitanthauza kuti asiya kukuyesani kuti mulipire. Amatha kugulitsa ngongole yanu kubungwe losonkhanitsa kapena atha kukusumirani.
- Ngati simulipira zaka 3 mpaka 15: ndinu osatekeseka pamlandu, kutengera boma lomwe mukukhala. Ngongole yobweza sikuti ndiyodzitchinjiriza mpaka lamulo lanu mdziko litatha. Ngati mwataya mlandu ndikulamulidwa kuti mulipire, malipiro anu kapena akaunti yakubanki itha kukonzedwa.
Chifukwa chake chofunikira ndikuti nthawi zonse muyenera kuyesa kulipira ndalama zochepa pa kirediti kadi yanu. Zachidziwikire, mudzakhalabe ndi chiwongola dzanja, koma simuyenera kuthana ndi zovuta zina zakusalipira kirediti kadi yanu.
Ngati mwachedwa, chinthu chofunikira kwambiri ndikupeza zomwe mudasowa ndikubwezera akaunti yanu momwe iliri. Pambuyo pake, cholinga chanu chiyenera kukhala kulipira ngongole yonse kwa miyezi iwiri motsatizana. Ngakhale ndizosavuta kuzinena kuposa kuzichita, kutero kumabwezeretsa nthawi yanu yachisomo ndikuletsa kuwonjezeka kwa chiwongola dzanja chatsopano.
Zomwe muyenera kuchita mukapanda kulipira
Kodi chimachitika ndi chiyani mukangopeza ndalama zochepa zomwe simungakwanitse ndipo mwaganiza kuti simungathe kulipira ngongole zanu?
Izi zokha: Zoona zachuma zikasokoneza moyo wathu watsiku ndi tsiku, ndi nthawi yochitapo kanthu. Chanzeru, chotsimikiza komanso chosintha moyo.
Mukadikira nthawi yayitali kuti muthane ndi vuto la ma kirediti kadi, mkhalidwe wanu ungakhale wokwera mtengo, atero a Bruce McClary, wachiwiri kwa purezidenti wa National Foundation for Credit Counselling. Kubwerera m'mbuyo pamalipiro anu kumatha kubweretsa chiwongola dzanja chambiri, zilango zina, ndi kutsika kwa ngongole yanu.
Zotsatira zoyipa zonsezi zitha kukhala ndi vuto lomwe lingaike pachiwopsezo zofunikira zina zachuma. Ngakhale kuti nthawi si bwenzi lanu mukakhala ndi vuto la ngongole, musaganize kuti kwachedwa kupempha thandizo.
Komwe mungapeze thandizo
Nkhani yabwino ndiyakuti pali zochita, zapompopompo, zapakatikati, komanso za nthawi yayitali, zomwe mungachite kuti mukhale olondola. Kuyambira pano kupita mtsogolo:
Lumikizanani ndi omwe amapereka khadi
Malamulo n. # 1 ndikuti muyenera kuuza omwe amakongoletsani kuti muli pamavuto azachuma. Fotokozani momwe zinthu zilili. Ngati mukuvutika pachuma (mwachotsedwa ntchito kapena mwakhala mukuwononga ndalama mosayembekezera), mumakhala ocheperako pofotokoza zoona zake. Ngakhale kungokhala vuto la kuwononga ndalama, ngati mudafika nthawi mpaka pano, atha kumwetulira.
Atha kukupatsani mpumulo mukamakonza mavuto azachuma, akutero a McClary. Koma ngati simufunsa, simudziwa zomwe angachite kukuthandizani kuti musabwerere m'mbuyo pazolipira zanu.
Ngakhale kulibe chitsimikizo momwe angathandizire, atha kuloleza kubweza kwa mwezi umodzi kapena ngakhale chilolezo chodumpha ndalama.
Simudzakhala woyamba kuvutika kasitomala kulumikizana ndi omwe akukongoza ngongole. Funsani zomwe amachitira ena munthawi yanu.
Mukamachita izi, yesetsani kukambirana nawo kuti muthandize. Kutumiza ndalama zochepa popanda kufotokozera sikungathandize; Kudzipereka kutero polankhula ndi woimira ngongole yanu.
Poyesera kuzindikira zinthu, musapange malonjezo omwe simungakwaniritse.
Pezani thandizo kuchokera kunja
Zomwe mukufuna ndi dzanja. Akatswiri samachita izi okha. Akatswiri ochita bwino kwambiri okwera galasi amakhulupirira makochi awo. Momwemonso osewera osewera tenisi, Pro Bowl quarterbacks, ndi osewera a All-Star baseball. Otsatira Purezidenti amadalira mitundu yonse ya akatswiri.
Chifukwa chiyani anthu omwe sanachite bwino pakuwongolera ndalama sayeneranso kufunsa akatswiri?
Lankhulani ndi katswiri wazachuma monga mlangizi wopanda ngongole, McClary adati. Amatha kukupatsirani chitsogozo chothandizidwa ndi inu kukuthandizani kuthana ndi zovuta zamakhadi anu obwezera ngongole ndikuyambiranso zolinga zanu zandalama.
Ochepera a boma la Consumer Financial Protection Bureau avomereza, ndikuwonjezera kuti: Musanalembetse, funsani ngati mudzalipiritsa, kuchuluka kwake, ndi ntchito ziti zomwe ziperekedwe.
Pewani makampani othandizira ndalama kuti mupange ngongole ndikuyendetsa ngati mutamva zotsatirazi:
- Malipiro omwe amatengedwa musanamalize ngongole zanu
- Zitsimikizo zomwe zingapangitse kuti ngongole yanu iwonongeke
- Tikulimbikitsidwa kuti tileke kulumikizana ndi omwe amabweza ngongole.
- Amakuwuzani kuti musiye kulipira ndalama zochepa
Momwemonso Marie Kondo amasungira makasitomala ake kuti adzayankha mlandu podzipereka kuti apeze ufulu ndi chisangalalo, kulembetsa nawo pulogalamu yoyang'anira ngongole ndi mlangizi wopanga ngongole osapindulitsa kudzakutsogolerani kuchokera kuphiri lanu lokhala ndi ngongole zambiri kupita kuufulu wachuma.
Poganizira mawu a B: Bankirapuse
Ganizirani mosamala za izi, chifukwa mukadzipereka ku bankirapuse , wothawirayo apitilira kwakanthawi: zaka zisanu ndi ziwiri ngati musankha Chaputala 7, bankirapuse pomwe zinthu zanu zambiri zimathetsedwa kubweza ngongole zanu, zonse zimaperekedwa; Zaka 10 ngati mungasankhe kukonzanso Mutu 13, momwe mungapezere lingaliro lolipira omwe akukukongoletsani, kudzera pakati, kwa zaka zitatu mpaka zisanu.
Bankirapuse, atero a Dan Grote, mnzake ku Latver-based Latitude Financial Group, ndi mtundu wamomwe angasankhe, koma ndizoyenera nthawi zina ndipo sizitanthauza kuti ndiwowopsa. Ndikusintha komwe kuli koyenera ngati kulibe njira ina.
Pendani ndalama zanu; Onaninso bajeti yanu
Muli ndi bajeti, sichoncho? Kupanda kutero, mutha kukhazikitsa limodzi pogwiritsa ntchito mapulogalamu aulere aulere kapena mapulogalamu apakompyuta. Mfungulo, atero Cecilia Case, wothandizira ndalama ku Portland, Oregon, ndiye kuti athetse magazi. … [People] ayenera kupeza njira yoletsera kupeza ngongole zambiri.
Momwemonso, Alexandra Tran, wolemba mabulogu azachuma komanso katswiri wotsatsa zama digito yemwe ali ndi kampani yadziko lonse yochita zamalonda komanso zamalonda, amakulimbikitsani kuti muzingoganizira maakaunti anu akubanki. Amamutsata tsiku ndi tsiku pogwiritsa ntchito Mawu a Karma ndi mapulogalamu aku banki.
Ndikawona ndalama zanga, a Tran, ndimadziwa nthawi yomwe sindiyenera kugwiritsa ntchito.
Chifukwa chake, iyi ingakhale nthawi yabwino kuwunika ma kirediti kadi anu ndi ma banki kuti mulandire ndalama zokhazokha zomwe simugwiritsa ntchito kapena zomwe simungachite. Ndi nthawi yabwino kuyang'ananso komwe ndalama zanu zikupita.
Pomaliza, kupambana ndi ndalama kumangokhala kusewera bwino, chitetezo chabwino ndi magulu apadera - ndiko kutsatira, Grote adati. Mumakwaniritsa zomwe mumatsata.
Onjezani mitsinje yazopeza
Kuphatikiza pakuchepetsa zomwe mumagwiritsa ntchito, khalani ndi chidwi ndi njira zowonjezera ndalama zanu. Kodi mukuyenera kulandira ndalama? Dziwani chifukwa chake mukuyenera (Langizo: Chifukwa chake sichingakhale chifukwa mukusowa ndalama zambiri - aliyense amatero), lembani malingaliro anu ogwirizana ndi msika wanu, ndipo lankhulani ndi woyang'anira wanu.
Onani komwe mungapezeke ngati freelancer kapena pachuma cha gig. Fufuzani Upwork, Guru, ndi TaskRabbit, kutchula atatu, omwe amalumikiza ofuna ntchito ndi omwe akusowa ntchito zonse.
Ndibwino kuti mudzipange ntchito kudera lomwe mumadziwa, koma sikofunikira, atero a Priyanka Prakash, wolemba wamkulu ku Fundera ku New York. Mutha kuyamba ndi kulipiritsa mtengo wotsika wa ola limodzi kuti mukope makasitomala. Mukamagwira ntchito yabwino, mudzalandira ndemanga zabwino kuchokera kwa makasitomala ndipo mutha kuwonjezera phindu lanu.
Pali njira zina zodabwitsa zotulutsira ngongole kuti mukonze ndalama zanu, atero a Vicky Eves, wolemba mabulogu azachuma ochokera ku Wiltshire, UK (ibeatdebt.com), chifukwa chake musamangokhalira kuganiza kuti mumangokhala ndi imodzi kapena njira ziwiri!
Zomwe Eves adachita ndizachilendo, amawonekera pa kanema wawayilesi ndipo amalandira ndalama zokwanira kuti athetse theka la ngongole yake. Zosagwirizana, kumene. Kunja kwa Bokosi? Mwamtheradi? Kuzindikirika? Tamva malingaliro oyipitsitsa.
Kodi muli ndi zinthu zoti mugulitse pa intaneti? Kuchokera ku eBay kupita ku Craigslist kupita ku Poshmark ndi zina zambiri, sipanakhale nthawi yabwinoko kuti mupeze mtengo wabwino wazinthu zomwe mungakhale popanda.
Koposa zonse, musabwerere. Kupewa kulumikizana ndi omwe amatenga ngongole kumapangitsa mavuto anu azachuma kukulirakulira. Kupewa kucheza ndi anthu abwinobwino kumatha kubweretsa kukhumudwa ndikudzimva kukhala wopanda chiyembekezo.
Pali zovuta zambiri pamavuto azachuma, chifukwa chake kuchita zinthu kuti mukhalebe olimba ndikofunikanso, atero a Olga Kirshenbaum, mwini wa Rags to Riches Consulting. Kupita kochezera pa intaneti komanso kudzipereka kungakhale njira yoti mukhalebe otanganidwa komanso olumikizidwa, mwina zitha kubweretsa ntchito yotsatira.
Mutha kuyambiranso. Ndipo mutha kuzichita mwachangu kuposa momwe mumaganizira. Chitani kanthu, kulankhulana, kufunsa akatswiri, kulumikizana ndikuwongolera. Mudzadabwa komwe muli nthawi ino chaka chamawa.
Zotsatira zakusalipira
Mverani, zimachitika. Ndalama zadzidzidzi zikuwonekera. Mumakumana ndi mavuto azachipatala kapena masoka achilengedwe. Boma limatseka kwa mwezi wopitilira. Kapena mwina mungopitilira bajeti. Ngakhale zili choncho, palibe chabwino chomwe chimabwera chifukwa chosalipira ngongole zanu. Chilichonse chimakhalapo pamgwirizano wa woperekayo.
Kungowonjezera pazowopsa: Ngati mwatsalira pamalipiro anu, musaganize zoyesayesa kusonkhanitsa ma miles kapena mphotho zanu.
Ndalama zolipira mochedwa
Kulipira mochedwa kumatha kubweza ndalama zokwana $ 25 pakulakwitsa koyamba. Ndipo yawonjezeredwa molunjika pamiyeso yanu, kukupatsani zina zambiri zoti mulipire. Pambuyo pake kubweza mochedwa kumatha kubweretsanso ndalama zambiri, mpaka $ 35.
Nkhani yabwino ndiyakuti ndalama zolipirira mochedwa sizingakhale zapamwamba kuposa zolipiritsa zochepa. Ngati mwachedwa ndi $ 10 yocheperako, ndalama zomwe mumalandira sizingadutse $ 10. Zotsatira zake, ambiri omwe amapereka ma kirediti kadi amapereka ndalama zawo zochepa $ 25 kapena kupitilira apo.
Zotsatira pa APR yanu
Chifukwa china chosungira: Maakaunti omwe atsalira m'masiku 60 apitawa amachulukitsa chiwongola dzanja, mpaka 30% nthawi zina.
Ndizoyipa, sichoncho? Choyipa chachikulu, mgwirizano wanu ukhoza kunena, ngakhale mutakhala oyenerera kubwezeredwa kwa APR pazogula zisanachitike ngati mutapereka ndalama kwakanthawi kwa miyezi isanu ndi umodzi, chiwongola dzanja chikhoza kupitilirabe pazogula zatsopano kwamuyaya.
Ngati mukungogulitsa ngongole, pali zinthu zingapo zofunika kukumbukira:
- Omwe amapereka makhadi alibe chiwongola dzanja ngati gawo limodzi la mapangano awo. Onetsetsani mapangano anu kuti muwone ngati zili choncho ndi makhadi anu aliwonse.
- Ngati muli ndi khadi lachidwi, onetsetsani kuti mukusunga, kapena mungataye gawo lanu loyambira.
- Ngati muli ndi khadi yoposa imodzi kuchokera kwa wopereka chikwama chanu, kuchedwa kwa imodzi mwamakhadiwo kumatha kuwonjezera APR pa enawo.
Zovuta pazokongoletsa ngongole
Pamodzi ndi ndalama zambiri komanso ma APR, kubweza mochedwa kapena mochedwa kumatha kutsitsa ngongole yanu. Chosangalatsa ndichakuti, omwe amapereka ma kiredi makhadi ndi mabungwe ofotokoza za ngongole ali ndi matanthauzidwe osiyanasiyana akuchedwa. Pomwe wobwereketsa atha kubweza chindapusa ndi zolipiritsa zina patsiku loyamba pambuyo pa tsiku loyenera, akaunti yanu siyopanda ulemu pamaso pa omwe amabweza ngongole mpaka masiku 30 atadutsa.
Malipiro a panthawi yake amapanga 35% yamakasitomala, motero kulipira mochedwa kumatha kulandira chilango chachikulu. Wina yemwe ali ndi mbiri yoyera amatha kufika pamilingo 100 polipira kamodzi mochedwa. Omwe ali ndi mbiri yocheperako ya ngongole amataya zochepa chifukwa chobweza mochedwa; kusadalirika kwamangidwa kale mgulu lanu.
MyFICO.com Ikufotokoza momveka bwino: zowonjezera zowonjezera, komanso ndalama zomwe zimayenera kulipidwa m'masiku 60 kapena 90 kapena kupitilira apo, zitha kutseka ngongole, monganso momwe angathere kubweza ngongole (pomwe wobwereketsa amalandila zochepera ndalama zomwe adalipira)
Nthano yakulipira pang'ono
Omwe amapereka ma kirediti kadi sapatsa mphotho chifukwa chotenga nawo mbali. Ndiye kuti, sangakhululukire omwe amalipira mochedwa chifukwa chotumiza zochepera ndalama zomwe amakhala nazo. Pakalibe mgwirizano wam'mbuyomu, wobwereketsa angaganizire zakulipira pang'ono kofanana ndi kubweza mochedwa.
Chenjezo: zolipira zingapo zomwe zimakwaniritsa kapena kupitirira zochepa zomwe zimafika ndikufika tsiku lisanafike zidzasungabe mbiri yanu yabwino.
Kuchotsa
Kuchotsa kumachitika pamene wopereka makhadi akumaliza kunena kuti ngongole sizingatengeredwe, zomwe zimachitika akaunti ikakhala masiku 180 zapitazo, ndiye kuti, miyezi isanu ndi umodzi osalipira. Kuchotsera kumalola wobwereketsa kuti apemphe kuchotsera msonkho ngongole zoyipa; izi, komabe, sizitanthauza kuti wobwerekayo wachotsedwa.
Wobwezeretsayo atha kupitiliza kufunafuna zomwe ali nazo kudzera kubungwe losonkhanitsa, kapena atha kugulitsa akauntiyi ndi kuchotsera kwakukulu; inu, komabe, mudzatsala pachikopa cha ndalama zonse.
Ngati ngongole yanu yagulitsidwa, onetsetsani kuti muli okonzeka komanso okhoza kubweza, mukutumiza ndalama kwa eni ake eni ake. Zinyengo zachinyengo zimachuluka ndipo zimazunza omwe ali ndi ngongole mosagwirizana.
Kuphatikiza apo, mutha kuwerengera kuti ngongole yanu yangongole itenga diso lakuda lomwe lingakhale mpaka zaka zisanu ndi ziwiri. Kuchotsera, limodzi ndi mbiri yakulipirira mochedwa, zimapangitsa kuti zikhale zovuta kuti munthu ayambe kulandira ngongole zatsopano, kuyambira kubweza ngongole mpaka kubwereketsa galimoto komanso kubweza ngongole yamakhadi angongole. Mutha kupeza imodzi, koma ibwera ndi chiwongola dzanja chachikulu kwambiri.
Komanso kumbukirani izi: Ngati mutha kukambirana za ndalama zochepa kuposa zomwe munalipira, mutha kukhala ndi mlandu ku IRS pamtengo wokhululukidwa. Lumikizanani ndi katswiri wamsonkho pazakukonzanso.
Mwachidule, ponena za kuchotsedwa, simukufuna kupita kumeneko.
Osonkhanitsa ngongole ndi ziwonetsero
Khalani ndi chitetezo: Akapeza ufulu w ngongole yanu, mabungwe osonkhanitsa adzakutsatani. Ndi zomwe amachita.
Ngakhale malamulo amaletsa kuzunza, kuwopseza, kapena kunama, mabungwe osonkhetsa ndalama azikhala opitilira muyeso, ndipo azilumikizana nanu m'njira zingapo: foni, meseji, imelo, makalata wamba, mpaka mutawalembera , kumugwasya. Kalata yoleketsa ndi kusiya yomwe imatumizidwa ndi makalata ovomerezeka ndiyo njira yabwino kwambiri yothetsera kulumikizana.
Pambuyo pake, mukuyenera kuti mumve kuchokera kwa iwo kawiri kokha: kamodzi kukuwuzani kuti asiya kulumikizana ndipo angakuuzeni kamodzi (kapena loya wanu, ngati mukuyimilira pankhaniyi) kuti awasumira poyesa kuchira. Ngongole.
Mukalandira masensa, ikani pakalendala yanu. Kusawonekera patsiku lamilandu kumatanthauza kuti mumataya zokha.
Ngati wopereka makhadi kapena wopeza ndalama apambana chigamulo kukhothi, kutanthauza kuti woweruzayo akulamula kuti mulipire, zotsatira zake zikafotokozedwa kumaofesi a ngongole, ndikutsitsa ngongole yanu.
Mukalamulidwa kuti mulipire, mutha kukongoletsa malipiro anu ndi / kapena kuimitsa akaunti yanu yakubanki. Kuphatikiza apo, mutha kulipiritsa ndalama zalamulo zomwe zimaperekedwa ndi omwe amapereka makhadi kapena bungwe losonkhanitsira zinthu zomwe mungafune kuyesa kusonkhanitsa.
Chodzikanira:
Iyi ndi nkhani yodziwitsa.
Redargentina sapereka upangiri walamulo kapena walamulo, komanso sanapangidwe kuti azitengedwa ngati upangiri wazamalamulo.
Wowonera / wogwiritsa ntchito tsambali akuyenera kugwiritsa ntchito zomwe zili pamwambazi pokhapokha ngati chitsogozo, ndipo ayenera kulumikizana ndi omwe ali pamwambapa kapena oimira boma kuti awadziwe zambiri za nthawiyo, asanapange chisankho.
Zotsatira:
Porter, T. (2018, Novembala 17) Ngongole zanyumba zaku America zili pafupifupi $ 1 thililiyoni kuposa momwe zinalili chuma chachuma chisanachitike mu 2008. Kubwezeretsedwa kuchokera https://www.newsweek.com/american-household-debt-nearly-trillion-dollars-higher-it-was-2008-recession-1220615
Richter, W. (Novembala 20, 2018) Kuyenda Kwakukulu Kwambiri: Zolakwa za makhadi a kirediti zimafika pachimake pamavuto azachuma m'mabanki ang'onoang'ono aku US 4,705. Kubwezeretsedwa kuchokera https://wolfstreet.com/2018/11/20/subprime-rises-credit-card-delinquencies-spike-past-financial-crisis-peak-at-smaller-banks/
Saad, L. (Meyi 3, 2018) Malipiro azovuta zamankhwala, mantha opuma pantchito. Kubwezeretsedwa kuchokera https://news.gallup.com/poll/233642/paying-medical-crises-retirement-lead-financial-fears.aspx?
Irby, L. (2019, Januware 7) Simungathe Kulipira Ndalama Zanu Pangongole. Kubwezeretsedwa kuchokera https://www.thebalance.com/cant-make-minimum-credit-card-payment-961000
Fontinelle, A. (Novembala 21, 2018) 6 Zolakwitsa Zazikulu Zachikadi. Kubwezeretsedwa kuchokera https://www.investopedia.com/articles/pf/07/credit-card-donts.asp
O'Shea, B. (2018, Ogasiti 7) Kodi kubweza mochedwa kumakhudza bwanji ngongole yanu? Kubwezeretsedwa kuchokera https://www.nerdwallet.com/blog/finance/late-bill-payment-reported/
Zamkatimu
- Izi ndi zomwe zimachitika ngati simulipira khadi yanu:
- Zomwe muyenera kuchita mukapanda kulipira
- Komwe mungapeze thandizo
- Lumikizanani ndi omwe amapereka khadi
- Pezani thandizo kuchokera kunja
- Poganizira mawu a B: Bankirapuse
- Pendani ndalama zanu; Onaninso bajeti yanu
- Onjezani mitsinje yazopeza
- Zotsatira zakusalipira
- Ndalama zolipira mochedwa
- Zotsatira pa APR yanu
- Zovuta pazokongoletsa ngongole
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