Momwe ndalama zoyendera zakunja zingagwire ntchito popanda ulendo wakunja

Ndi maulendo apadziko lonse omwe akuyembekezeka kuyandikira milingo isanachitike mliri chaka chino, zotsatira za nthumwi yadziko lonse Kafukufuku wa Ndalama Zakunja kuyeza maganizo a anthu pa nkhani zosiyanasiyana zowononga ndalama kunja kwatulutsidwa lero pa maulendo apadziko lonse lapansi.

Werengani kuti mudziwe zambiri za Q&A ndi Delaney Simchuk, katswiri wa WalletHub, pankhaniyi.

Kodi anthu ambiri amadziwa ngati makhadi awo a ngongole ali ndi ndalama zogulira kunja?

41% ya anthu sadziwa ngati kirediti kadi yawo ili ndi chindapusa chakunja. Izi ndizofala kwambiri pakati pa anthu azaka zopitilira 45, mwina chifukwa amakonda kukhala ndi ndalama zambiri ndipo samatha kudera nkhawa kuti 3% yowonjezereka idzalandidwa pa chilichonse chomwe angagule kwa wamalonda wakunja. Anthu ambiri alibe mwayi wonyalanyaza ndalama zogulira zakunja, komabe ambirife timatero. Nkhani yabwino ndiyakuti kudziwa ngati kirediti kadi yanu ili ndi ndalama zakunja ndizosavuta monga kulowa muakaunti yanu yapaintaneti ndikupeza mgwirizano wamakhadi.

Kodi ndi zomveka kwa anthu kuti ndalama zakunja zingagwiritsidwe ntchito popanda ulendo wakunja?

Anthu ambiri samamvetsetsa bwino za nthawi yomwe ndalama zogulira ngongole zakunja zimayamba, ndipo izi zitha kukhala zodula kwambiri. Mwachitsanzo, anthu asanu ndi awiri (7) mwa anthu khumi (10) aliwonse sazindikira kuti chindapusa chakunja atha kulembetsa popanda ulendo wakunja. Anthu amangoganiza kuti mukuyenera kukhala kudziko lakunja kuti mukulipire ndalama zogulira zinthu zakunja, koma ndalamazi zitha kugwiritsidwanso ntchito pogula zomwe mumagula kudzera mwa amalonda omwe ali kunja mukakhala mnyumba mwanu. Mwamwayi, pali makhadi abwino kwambiri angongole opanda chindapusa chakunja komwe anthu angagwiritse ntchito pogula kuchokera kwa ogulitsa kumayiko ena.

Kodi ogula amamva bwanji akamatengera makadi angongole omwe amalipiritsa ndalama zogulira zinthu zakunja?

62% ya anthu amaganiza kuti ndalama zogulira kunja ndi zopanda chilungamo, kuphatikizapo 71% ya amayi ndi 52% ya amuna. Zonsezi, 53% ya anthu amati sadzalandira kirediti kadi yomwe imalipira ndalama zakunja. Anthu omwe akufuna kupewa ndalama zakunja ali ndi zosankha zambiri, makamaka kuchokera kumakampani akuluakulu a kirediti kadi omwe samalipiritsa ndalama zakunja pamakhadi awo aliwonse, monga Capital One. Kulumbirira ndalama zakunja sikuli njira yabwino kwambiri, komabe, chifukwa mutha kuphonya khadi lalikulu la ndalama zanu zapakhomo.

Kodi anthu akudziwa kuti ma kirediti kadi amawapezera mtengo wabwino kwambiri wosinthira akamapita kunja?

Pafupifupi 79% ya anthu sadziwa kuti kugwiritsa ntchito kirediti kadi kumawapangitsa kukhala osinthika kwambiri akamapita kunja. Makhadi angongole amatha kukupulumutsirani 7% kapena kupitilira apo poyerekeza ndi ma kiosks osinthira ndalama pabwalo la ndege kapena kusinthanitsa ndalama zolimba kubanki yakomweko. Kuphatikiza pakukupulumutsirani ndalama pazochita zilizonse zapadziko lonse lapansi, kirediti kadi yopanda ndalama zakunja imatembenuza yokha mukagula china chake, zomwe zimapangitsa kugwiritsa ntchito ndalama padziko lonse kukhala kosavuta komanso kotetezeka. Kutaya kirediti kadi kumayiko ena ndikosavuta kuposa kutaya ndalama.

Kodi anthu amada nkhawa ndi chiyani kwambiri akamagwiritsa ntchito ma kirediti kadi padziko lonse lapansi?

Zodetsa nkhawa za anthu pakugwiritsa ntchito makadi a ngongole padziko lonse lapansi ndi kutaya makadi ndi kuba, komwe kunapeza mavoti 35%, kutsatiridwa ndi mitengo yosinthira ndalama pa 28% ndi zolipira zogulira ma kirediti kadi ku 23%. Overspending inali pansi pamndandanda, ndi 13% yokha ya mavoti. Tawona kufunitsitsa pakati pa ogula kuti alowe mu ngongole kutchuthi, kotero tisadabwe kuti anthu ambiri sadera nkhawa za overspending kunja. Komabe, kuwononga ndalama mopambanitsa kungakhale ndi chiyambukiro chachikulu kwambiri, chokhalitsa kwa anthu.

Ndi upangiri wanji womwe muli nawo kwa anthu omwe akufuna kupewa chindapusa chakunja?

Ndalama zolipirira zakunja ndizosavuta kuzipewa. Zomwe muyenera kuchita ndikufanizira ma kirediti kadi opanda chindapusa chakunja, pezani chopereka chomwe chikugwirizana ndi mbiri yanu yangongole komanso momwe mumawonongera ndalama, kenako gwiritsani ntchito pa intaneti. Pali mazana a makhadi osalipira akunja omwe alipo, kuphatikiza zosankha zamakongole onse. Mukakhala ndi khadi yoyenera, kupewa ndalama zakunja ndi nkhani yongogwiritsa ntchito khadilo pogula zilizonse zomwe zingagulitsidwe kunja.