Chosankha Apple Uthenga wamalonda: Khrisimasi ikuyandikira kwambiri ndipo kwa anthu ambiri, kufunafuna mphatso kumayamba. Pafupifupi aliyense adzayamikira foni yam'manja, makamaka ngati akhala akugwiritsa ntchito imodzi mwa zitsanzo zakale kwa nthawi yaitali. Mphatso yabwino kwa mwana wamkulu, mnzanu kapena phwando la Khrisimasi nokha. Komabe, mafoni amakono sali m'gulu la zinthu zotsika mtengo. Kodi ndizomveka kudzipereka kulipira mwezi uliwonse pamagetsi atsopano?
Njira zolipirira foni yam'manja
Pogula zamagetsi zilizonse, muli ndi njira zingapo zothetsera kusowa kwa ndalama. Ambiri ogulitsa magetsi amapereka nthawi zonse kugula pang'onopang'ono. Iyi nthawi zambiri imakhala njira yopindulitsa kwambiri yobwezera ngati cholinga chanu ndikungogula chinthu china chamagetsi.
Ngati banki yanu ikupereka, mutha kugulanso zonse lipira ndi kirediti kadi. Koma ufulu woperekedwa ndi kirediti kadi ungapangitse kugula zinthu zopitirira kukhoza kubweza ngongoleyo m’kupita kwa nthaŵi.
Makamaka mafoni, pali kuthekera kodziwika kwambiri kuchotsera kwakukulu pafoni ngati mutagulanso mgwirizano wamitengo ndi woyendetsa. Chifukwa chake, pamodzi ndi foni yabwino kwambiri, yang'anani i oyenera mafoni tariff. Mfundo, komabe, uwu ndi mtundu wa kugula kofanana pamagawo, omwe ali ndi ubwino ndi zovuta zomwezo.
M'zaka zaposachedwa, anthu ambiri m'dziko lathu ayamba kudalira ngongole za ogula omwe si akubanki pogula Khrisimasi. Mutha kugwiritsa ntchito gawo lina la ndalama zomwe mwalandira kuchokera ku kampani yomwe siili kubanki kugula zamagetsi ndikugwiritsa ntchito zina zilizonse zofunika.
Ubwino waukulu wa ngongole zopanda banki
Liwiro
Ngongole zochokera kumakampani omwe siakubanki nthawi zambiri zimadziwika ndikuyika ndalama zofunika ku akaunti yanu mwachangu. Kuwongolera kosavuta komanso njira zochepetsera zowongolera zomwe sizili zamabanki kwa inu zimathandizanso pa izi.
Kuphweka
Ngakhale mapepala ku banki ndi ntchito ya tsiku lonse ndipo mudzalakwitsa, ndi makampani omwe si akubanki nthawi zambiri zimakhala zokwanira kuti mudzaze zambiri zokhudza munthu wanu. Mafomu amakhala omveka bwino ndipo simudzasochera mwa iwo. Popeza kuti ndalama zing'onozing'ono nthawi zambiri zimabwerekedwa kuno kuposa kubanki, mulinso ndi mwayi wochulukirapo kuti ntchito yanu ikhale yopambana.
Chitonthozo
Simuyenera kuyimirira pamizere yayitali kulikonse ndikupita ku banki mobwerezabwereza ndi chikalata chilichonse chatsopano. Ndi makampani omwe si akubanki, ngongole zimatha kusinthidwa pa intaneti kapena pafoni, mwachitsanzo, kuchokera ku chitonthozo ndi chitetezo cha nyumba yanu, yomwe ili yothandiza masiku ano openga.
Werengani mgwirizanowu mosamala kwambiri ndikufunsani mafunso
Kodi izi zikutanthauza kuti ngongole ya ogula ndi chisankho chodziwikiratu? Mwachidziwitso, komabe ngongole yoyenera ziyenera kukhala zachilungamo makamaka. Osapusitsidwa ndi obwereketsa opanda khalidwe omwe amamana zinthu zofunika monga APR (makamaka mtengo weniweni wa ngongoleyo) ndi mawu oti abwereke ngati kuli kovuta kubweza. Werengani mgwirizano uliwonse mosamala ndipo musaope kufunsa mafunso ngati chinachake sichikuwoneka bwino kwa inu. Ngongole za Khrisimasi ndi njira yotchuka yogulira zida zamagetsi zodula masiku ano, koma ngati simusamala, ndi njira yolowera mumsampha wowopsa wangongole.
Magazini ya Jablíčkář ilibe udindo palemba lomwe lili pamwambapa. Iyi ndi nkhani yamalonda yoperekedwa (yathunthu ndi maulalo) ndi wotsatsa.
Kukambitsirana kwa nkhaniyo
Zokambirana sizinatsegulidwe m'nkhaniyi.
