Nyiaj txiag kev kawm ntawv: yuav ua li cas kom tshem tau ntawm cov nuj nqis rau cov nyiaj qiv?

Nws tshwm sim hais tias cov nyob rau ntawm credit khoom plays ib tug siab phem dag nrog cov neeg uas tsis tau siv nyiaj thiab npaj kev siv nyiaj. Qhov yuav tshwm - nuj nqis, qhov tsis zoo credit keeb kwm, chim lub qab haus huv thiab cov lus nug: "Yuav ua li cas kom tshem tau ntawm cov nuj nqis?" Txawm li cas los, vim hais tias txhua txhua qhov teeb meem no yog ib txoj kev. Cia saib cov txheej txheem rau ntau tshaj-rov qab.

Ua ntej, ua ib daim ntawv teev lawv cov luag num: rau leej twg, npaum li cas thiab thaum twg rov qab los. Cov khoom "tag nrho cov" yog yuav mus yuav xav tsis thoob kiag, tab sis thawj kauj ruam tau noj lawm.

Yuav ua li cas kom tshem tau ntawm credit nuj nqis, yog tias ib tug ntau ntawm lawv? Pib ntse ntsuav rau them rov qab cov nuj nqis. Yog hais tias ib tug ntau ntawm cov nyiaj qiv, nyob rau hauv thawj qhov chaw them nrog rau feem ntau "kim" (ib tug nrog lub siab tshaj plaws kev txaus siab npaum li cas).

Qhov no yog tsis tiv thaiv kom txhob delinquencies seem ntawm lub sij hawm no ntawm tsawg tus nqi credit cards, koj yuav tau them qhov tsawg kawg nkaus them nqi.

Yog hais tias koj muaj ib tug credit card nrog paj qis, yog them nrog kev pab los ntawm cov nuj nqis dua txaus siab nqi.

Thaum extinguished lub kim tshaj plaws nyiaj txais, pib muab tso tawm rau hauv lub siab tshaj plaws ib tug "me me" cov nuj nqis. Koj yuav pom tau tias cov xov tooj ntawm cov nyiaj qiv decreases, uas zoo cuam tshuam rau mus ob peb vas rau yeej tshaj lwm cov luag num.

Yog hais tias ua tau, sim mus them ntau tshaj tus nqi ntawm yam tsawg kawg nkaus them nqi rau credit cards, vim hais tias cov kev txaus siab yog them rau lawv txhua txhua hnub. Nws yog tsis tsim nyog yus txoj kev them nyiaj rov qab ntawm credit card cov nyiaj them tsawg tshaj plaws, vim hais tias lawv muaj siab muaj nyiaj thiab txaus siab. Lub ntsiab luag hauj lwm ntawm lub hli tsawg kawg nkaus them nqi nqi mus rau ib tug me me feem, uas ua nyob rau hauv ib lub caij nyoog siv ntawm cov nyiaj thiab tsub kom lub them nyiaj tshaj rau borrower.

Yog hais tias koj pom tau tias tsis muaj delinquencies yuav tsis ua li cas, muab tso rau hauv lub txhab nyiaj nyob rau hauv tej chaw. Attempts mus nkaum thiab ploj yog puas li tau tshem ntawm cov nuj nqis yuav muaj xwb koj thiab tsis muaj ib tus neeg. Niaj hnub no, muaj ntau yam lub tsev txhab nyiaj yuav kom tau raws li lub borrower, yog hais tias tus ua ntej ceeb toom ntawm qhov teeb meem no thiab tsis kam them lawv cov nuj nqis. Qhov no yog hu ua ib tug nqi restructuring - txo tus nqi ntawm cov nyiaj hli los ntawm kev ua cov nyiaj txais lub sij hawm thiab txaus siab npaum li cas.

Cov nram qab no lo lus teb rau lo lus nug ntawm yuav ua li cas kom tshem tau ntawm cov nuj nqis - muab tso rau hauv kev txiav txim koj cov nyiaj txiag. Cov ntsiab cai tseem ceeb ntawm kev tswj tus kheej tej nyiaj txiag - txo nqi, ntau nyiaj.

Ua ntej ntawm tag nrho cov, pib sau koj cov nuj nqis. Tsim ib txoj kev pab zoo spreadsheet thiab txhua hnub ua rau txhua txhua ruble siv los mus faib rau tus nqi ntawm cov pab pawg neeg (piv txwv li, "zaub mov", "cov khaub ncaws", "Lom ze", "cov me nyuam", "mobile sib txuas lus", "gadgets", "tus nqi xauj tsev", thiab lwm yam) . Tsis pub dhau ob peb hnub tom qab pib ntawm kev muaj nyiaj txiag chaw muag mis nyuj yuav tsum yog ib tug muaj siab kom tsis txhob siv ntau heev. Suav yuav ua li cas nplooj ntau ntau ntawm cov nyiaj rau ib lub hli rau txhua yam, thiab dab tsi yog nws qhia nyob rau hauv tag nrho cov kev siv nyiaj txiag. Xav txog seb nws twb tau mus txo lawv, qhia hais tias tus uas duav txhua yam rau savings.

Tsis txhob yuam kev los yog yam tsis tau xav yuav. Xav seb ib tug ob peb lub lis piam, cia tus cwj pwm txawv khom. Yog hais tias koj ua ib qho kev paub txiav txim siab, uas tshaj plaws yog tseem yuav tsum tau, piv cov nqi, nyeem xyuas thiab yuav.

Mus tshem ntawm cov nuj nqis? Nyob rau hauv koj txhais tau tias, siv tsawg dua li koj khwv tau. Hloov cov me nyuam ntawm pizzas thiab yob nyob rau hauv ib lub tsev-siav noj mov, ib tug subscription mus rau ib tug muaj zog qws - gym los yog jogging, mus rau cov sibntsib - ib hmo pw tsaug zog. Muab haus thiab haus luam yeeb - thiab tseem txuag tshuaj.

Ua kom koj cov nyiaj khwv tau: Nrhiav ib tug thib ob txoj hauj lwm los yog ib feem lub sij hawm, nyob rau hauv tam sim no ua hauj lwm nqa tawm nws txoj hauj lwm kom koj tsa lub nyiaj hli, muab lub complex tej yaam num, ua kom nquag plias thiab thiv.

Muag pliaj los yog ruaj yam.

Tom qab ua lub bank kawg ruble nqi nyob rau hauv txhua rooj plaub tsis tau cov nyiaj qiv, yog li tau tshem ntawm cov nuj nqis - nws yog ntev thiab tsis yooj yim, thiab kev xyiv fab ntawm lub tshaaj yuav siv sij hawm tsawg tshaj li tus nqi them raws sij hawm.

Yog, cov qhab nia yuav tsum tau. Loj yuav muaj peev xwm txuag tau li laus, thiab kuv xav ua neej nyob txoj cai tam sim no. Cov nyiaj txais yog tsis txhaum yog hais tias nws yog aimed ntawm lub sij hawm ntev kev txhim kho ntawm cov nyiaj txiag txoj hauj lwm los yog cov purchase ntawm tseem ceeb heev cov khoom. Piv txwv li, them nqi tsev es tsis txhob ntawm txhua lub hli them nqi xauj tsev thiab ib lub tsheb cov nyiaj txais rau kev ua hauj lwm thiab txhua hnub tsev neeg kev thauj mus los.