Momwe Mungagulire ku Walmart ndi Ndalama Zopanda Chiwongola dzanja

Pakadali pano, kugula kwa miyezi popanda chiwongola dzanja Akhala njira yotchuka kwambiri kwa iwo omwe akufuna kugula zinthu zapamwamba popanda kugwiritsa ntchito ndalama zambiri nthawi yomweyo. Walmart, monga m'modzi mwa atsogoleri otsogola pamakampani ogulitsa, adagwiritsa ntchito izi kuti apereke makasitomala awo njira yabwino komanso yopezeka gulani zinthu za mtengo. Munkhaniyi, tisanthula mwatsatanetsatane momwe mungagulitsire ku Walmart pa miyezi yopanda chiwongola dzanja, yopereka chidziwitso chaukadaulo komanso chosalowerera ndale kwa omwe akufuna kugwiritsa ntchito mwayi wachumawu.

1. Kodi "Miyezi Yopanda Chiwongola dzanja" ndi chiyani komanso momwe mungagwiritsire ntchito pogula ku Walmart?

"Miyezi Yopanda Chiwongoladzanja" ndi njira yopezera ndalama zoperekedwa ndi masitolo ena, kuphatikizapo Walmart, kulola makasitomala kugula zinthu pang'onopang'ono popanda kulipira chiwongoladzanja china. Njira yolipirirayi ndiyothandiza makamaka pogula zinthu zamtengo wapatali popanda kukhudza kwambiri bajeti ya mwezi uliwonse.

Kugwiritsa ntchito njira ya "Miyezi Yopanda Chidwi" pogula ku Walmart ndikosavuta. Choyamba, muyenera kutsimikizira kuti kirediti kadi ndiyoyenera kugwiritsa ntchito njira yolipirirayi. Si makhadi onse omwe amapereka njirayi, choncho onetsetsani kuti mwayang'ana zomwe khadi lanu limayendera. Izi zikatsimikiziridwa, ingosankhani njira ya "Miyezi Yopanda Chidwi" pogula.

Ndikofunika kukumbukira kuti "Miyezi Yopanda Chiwongoladzanja" nthawi zambiri imakhala ndi nthawi yeniyeni, mwachitsanzo, miyezi 3, 6, 9 kapena 12. Panthawi imeneyo, simudzalipira chiwongoladzanja china bola mutapeza ndalama zomwe zakhazikitsidwa pamwezi. Ndikofunikira kuti muwonetsetse kuti mwakwaniritsa masiku olipira, apo ayi chiwongola dzanja chowonjezera kapena chindapusa chingakhalepo. Kumbukirani kuti njira yopezera ndalamayi ndiyabwino bola mutha kulipira munthawi yake.

2. Zofunikira ndi zikhalidwe zogulira zolipirira pamwezi popanda chiwongola dzanja ku Walmart

Kuthekera kogula zinthu zopanda chiwongola dzanja pamwezi ku Walmart kumapereka mwayi wogula zinthu zamtengo wapatali popanda kufunika kolipira nthawi yomweyo. Komabe, pali zofunikira ndi zikhalidwe zomwe muyenera kuziganizira musanagule motere.

Chofunikira choyamba ndikukhala ndi kirediti kadi yotenga nawo mbali yomwe imalola kulipira kwamitundu iyi. Walmart imapereka mwayi wokhala ndi miyezi yopanda chiwongola dzanja ndi makhadi aku banki osiyanasiyana, chifukwa chake ndikofunikira kuyang'ana ngati khadi lanu likuvomerezedwa pazochita zamtunduwu. Kuphatikiza apo, m'pofunika kuti khadi lanu likhale ndi malire okwanira angongole kuti akwaniritse zonse zomwe mwagula.

Mfundo ina yofunika kuiganizira ndi ndalama zochepa zogulira zomwe zimafunika kuti mupeze njirayi. Nthawi zambiri, Walmart imakhazikitsa ndalama zochepa kuti zitha kugula m'miyezi popanda chiwongola dzanja. Onetsetsani kuti mwatsimikizira izi musanagule. Kuphatikiza apo, ndikofunikira kunena kuti miyezi yopanda chiwongola dzanja imadalira kupezeka ndi kukwezedwa kwaposachedwa, chifukwa chake ndikofunikira kuti muwone zomwe mukufuna kugula.

3. Njira zofunsira kugula mwezi uliwonse popanda chiwongola dzanja ku Walmart

Pansipa, tikuwonetsa zomwe muyenera kutsatira kuti mugule kwa miyezi ingapo popanda chidwi ku Walmart:

• 1. Pitani ku tsamba lovomerezeka la Walmart ndikusankha zomwe mukufuna kugula.
• 2. Tsimikizirani kuti malondawo ndi oyenera miyezi yopanda chiwongola dzanja. Kuti muchite izi, yang'anani zomwe zalembedwazo ndikuwonetsetsa kuti njira yolipirira magawo yatchulidwa.
• 3. Mukasankha mankhwala, pitani ku ngolo yogula.
• 4. Mu ngolo yogulira, tsimikiziraninso kuti malondawo ndi oyenera njira yolipirira iyi.
• 5. Sankhani njira ya "Miyezi yopanda chidwi" ngati njira yolipira.
• 6. Sankhani nthawi yomwe mukufuna kulipira pogula. Nthawi zambiri, amakupatsirani zosankha zamwezi zopanda chidwi.
• 7. Malizitsani zonse zofunika pakulipira, monga khadi la ngongole lomwe mudzagwiritse ntchito.
• 8. Tsimikizirani kuti zonse ndi zolondola ndikutsimikizira kuti mukufuna kugula kwa miyezi yopanda chiwongola dzanja.

Tsatirani njira zosavuta izi ndipo mudzatha kupempha kugula mwezi uliwonse kwaulere ku Walmart popanda zovuta. Kumbukirani kuwerenga mosamalitsa zambiri zotsatsira ndi malamulo ndi zikhalidwe musanagule. Sangalalani ndi zomwe mwagula popanda kudandaula za chidwi!

4. Momwe mungasankhire ndikufanizira zinthu zomwe mungagule kwa miyezi popanda chidwi ku Walmart

Pamene mukuyang'ana kugula zinthu kwa miyezi popanda chidwi ku Walmart, ndikofunikira kuganizira zinthu zina musanapange chisankho. Nawa maupangiri osankha ndikufanizira zinthu mwanzeru:

1. Unikani zosowa zanu: Musanayambe kusaka, ndikofunikira kumveketsa bwino zomwe mukufuna. Fotokozani zomwe mukufuna komanso zomwe mukufuna kuti zikhale nazo. Izi zikuthandizani kuti musefa zomwe mungasankhe ndikuganizira kwambiri zomwe mukufuna.

2. Fananizani mitengo: Chinthu chofunika kwambiri kuti mupindule kwambiri ndi miyezi yopanda chiwongoladzanja ndikuyerekeza mitengo yazinthu zosiyanasiyana ndi masitolo osiyanasiyana. Gwiritsani ntchito zida zapaintaneti zomwe zimakupatsani mwayi wofananiza mitengo ndikupezerapo mwayi pazotsatsa zoperekedwa ndi ogulitsa osiyanasiyana. Kumbukirani kuti simuyenera kungoyang'ana mtengo woyambirira, komanso zinthu monga khalidwe lazogulitsa ndi ndondomeko zobwezera.

3. Unikaninso mikhalidwe ya miyezi yopanda chiwongola dzanja: Musanagule ndi miyezi yopanda chiwongola dzanja, pendani mosamala mikhalidwe yoperekedwa ndi Walmart. Onetsetsani kuti mwamvetsetsa nthawi yolipira ndi zomwe muyenera kukwaniritsa kuti muyenerere. Komanso, yang'anani kuti muwone ngati pali ndalama zilizonse zokhudzana ndi ndalama zamtunduwu komanso ngati pali zoletsa pazinthu zomwe mungagule. Musaiwale kuwerenga mawu onse ndi zikhalidwe kuti mupewe zodabwitsa zosasangalatsa.

Kumbukirani kuti kusankha ndikufanizira zinthu zopanda chiwongola dzanja pamwezi ku Walmart kumafuna kafukufuku ndikukonzekera pang'ono. Pitirizani malangizo awa ndi kupanga zisankho zanzeru kuti mugwiritse ntchito mokwanira mwayi wolipira wopanda chiwongola dzanja.

5. Kumvetsetsa njira zandalama zomwe zilipo ku Walmart pogula mwezi uliwonse popanda chiwongola dzanja

Mukamagula mwezi uliwonse popanda chiwongola dzanja ku Walmart, ndikofunikira kumvetsetsa njira zandalama zomwe zilipo kuti mupange chisankho mwanzeru. Kenako, tikuwonetsani zomwe mungasankhe komanso momwe mungafikire.

Njira 1: Khadi la Ngongole la Walmart

• Khadi ili limakupatsani mwayi wogula zinthu pamwezi popanda chiwongola dzanja malinga ndi zotsatsa zapano.
• Kuti mupemphe, muyenera kukwaniritsa zofunikira zomwe banki yomwe ikupereka ndikupereka zolemba zofunika kunthambi yapafupi.
• Mukavomerezedwa, mutha kugwiritsa ntchito kugula kwa miyezi popanda chiwongola dzanja pazinthu zomwe zikutenga nawo mbali.
• Kumbukirani kuunikanso momwe zilili komanso zolipirira zamalonda aliwonse musanagule.

Njira 2: Ngongole yaumwini

• Kuphatikiza pa kirediti kadi ya Walmart, mutha kupezanso ndalama kudzera pangongole yanu.
• Ngongoleyi imakupatsani mwayi wogula mwezi uliwonse popanda chiwongola dzanja ku Walmart, bola mukwaniritse zofunikira zokhazikitsidwa ndi banki.
• Kuti mupemphe, muyenera kupita kunthambi ya banki ndikupereka zolemba zofunika.
• Mukavomerezedwa, mutha kugwiritsa ntchito ngongole yanu kuti mugule zinthu kwa miyezi popanda chidwi ku Walmart.

Njira 3: Kupeza ndalama ndi mabanki ena

• Nthawi zina, Walmart imaperekanso mwayi wopeza ndalama kudzera ku mabanki ena omwe ali ndi mgwirizano.
• Kuti mupeze njirayi, muyenera kukwaniritsa zofunikira zomwe banki ikupereka ndalama ndikupereka zolemba zofunika.
• Mukavomerezedwa, mutha kugwiritsa ntchito ndalama za banki pakugula kwanu pamwezi popanda chiwongola dzanja ku Walmart.

6. Malangizo kuti mupindule kwambiri pogula mwezi uliwonse popanda chiwongola dzanja ku Walmart

Kuti mupindule kwambiri pogula mwezi uliwonse popanda chiwongola dzanja ku Walmart, ndikofunikira kutsatira malangizo ena omwe angakuthandizeni kuti mupindule kwambiri ndi njira yogulirayi. Choyamba, ndikofunikira kumveketsa bwino za kuchuluka kwa ndalama zogulira zomwe zimaloledwa kwa miyezi popanda chiwongola dzanja, chifukwa izi zitha kusiyanasiyana kutengera zomwe mukugula kapena ntchito yomwe mukugula. Chonde tsimikizirani izi musanagule kuti muwonetsetse kuti muli mkati mwa malire omwe mwakhazikitsidwa.

Langizo lina lofunikira ndikusanthula mosamalitsa zosankha zomwe zilipo pamwezi zopanda chiwongola dzanja ndikuziyerekeza ndi ndalama kapena chiwongola dzanja. Onetsetsani kuti mukumvetsetsa mikhalidwe ndi masiku omalizira omwe akhazikitsidwa panjira iliyonse, komanso zomwe muyenera kukwaniritsa kuti mupeze. Izi zikuthandizani kuti muwone ngati kuli bwino kuti mugule m'miyezi popanda chiwongola dzanja ku Walmart kapena ngati kuli bwino kusankha njira ina yolipira.

Kuphatikiza apo, ndi bwino kupanga mapulani azachuma musanagule kwa miyezi popanda chiwongola dzanja. Onetsetsani kuti mudzakhala ndi mwayi wolipira kuti mukwaniritse zolipirira zomwe zakhazikitsidwa pamwezi, popanda izi zimakhudza ndalama zanu. Ganizirani ndalama zomwe mumapeza, ndalama zomwe mumawonongera komanso ndalama zina zandalama kuti muwone ngati mungakwanitse kulipira mokwanira mwezi uliwonse. Kumbukirani kuti, ngakhale kulibe chiwongola dzanja, mukungotenga ngongole ndipo ndikofunikira kuwongolera ndalama zanu.

7. Mungapewe bwanji kubweza chiwongola dzanja chowonjezera pogula zinthu zopanda chiwongola dzanja pamwezi ku Walmart?

Ngati mukuganiza zogula mwezi uliwonse popanda chiwongola dzanja ku Walmart, ndikofunikira kutsatira izi kuti mupewe kubweza chiwongola dzanja china. Tsatirani malangizowa ndikugwiritsa ntchito bwino njira zandalama zoperekedwa ndi sitolo.

Gawo 1: Sankhani zinthu zomwe zili ndi miyezi yopanda chiwongola dzanja

Musanagule, onetsetsani kuti zomwe mukufuna kugula zili ndi mwayi wa miyezi yopanda chiwongola dzanja. Mutha kupeza izi pazolemba zamalonda kapena mafotokozedwe patsamba la Walmart kapena kukaonana ndi mlangizi m'sitolo yakuthupi. Ndikofunika kusankha zinthu zomwe zikugwiritsidwa ntchito panjira yolipirayi.

Khwerero 2: Yang'anani momwe zinthu zilili komanso masiku omaliza

Mukasankha zinthu zomwe mukufuna kugula, ndikofunikira kuti muwerenge mosamala mikhalidwe ndi masiku omaliza omwe akhazikitsidwa miyezi yopanda chiwongola dzanja. Onani ngati kulipiridwa komwe kukufunika, kuchuluka kwa miyezi yomwe ilipo kuti mugulitse, komanso zandalama zina zowonjezera. Deta iyi ikuthandizani kuti muwone bwino zomwe muyenera kuchita ndikupewa zodabwitsa zosasangalatsa.

Khwerero 3: Pangani malipiro anu pa nthawi yake

Kuti mupewe kubweza chiwongola dzanja chowonjezera, ndikofunikira kuti muzilipira pamwezi pa nthawi yake. Konzani zikumbutso pa kalendala yanu kapena gwiritsani ntchito zida zotsatirira ndalama kuti muwonetsetse kuti simuyiwala masiku olipira. Masiku omalizira akusowa angapangitse chindapusa ndipo, nthawi zina, kusinthidwa kolipira kukhala miyezi ndi chiwongola dzanja. Pitirizani kuwongolera zolipira zanu ndikusangalala ndi mwayi wogula zinthu zanu popanda chiwongola dzanja chowonjezera.

8. Mafunso omwe amafunsidwa pafupipafupi okhudza momwe mungagulire malipiro apamwezi opanda chiwongola dzanja ku Walmart

Mu gawoli, tiyankha mafunso odziwika kwambiri okhudzana ndi kugula malipiro apamwezi opanda chiwongola dzanja ku Walmart. Ngati muli ndi mafunso owonjezera, tikupangira kuti mulumikizane ndi makasitomala a Walmart kuti akuthandizeni makonda anu. Pansipa mupeza mayankho a mafunso omwe amafunsidwa pafupipafupi pamutuwu:

1. Ndingagule bwanji zogula pamwezi zopanda chiwongola dzanja ku Walmart?
Kuti mugule mwezi uliwonse popanda chiwongola dzanja ku Walmart, ingosankhani zomwe mukufuna kugula ndikuziwonjezera pangolo yogulira. Panthawi yolipira, sankhani njira ya "miyezi yopanda chiwongola dzanja" ndikusankha mawu omwe akuyenerani inu. Ndikofunika kuzindikira kuti njirayi imadalira kupezeka komanso kuchuluka kwa zomwe mwagula. Kumbukirani kuti muyenera kukhala ndi kirediti kadi yotenga nawo mbali.

2. Kodi ma kirediti kadi omwe akutenga nawo mbali ndi chiyani?
Walmart imalandira ma kirediti kadi osiyanasiyana pogula mwezi uliwonse popanda chiwongola dzanja. Ena mwa makadi omwe atenga nawo gawo ndi: Visa, Mastercard, American Express, Banamex, Bancomer, Santander, pakati pa ena. Musanagule, tikupangira kuti mufufuze ngati kirediti kadi yanu ndiyovomerezeka pakuchita izi. Mutha kuchita izi poyimbira nambala yamakasitomala a bungwe lanu lazachuma kapena kuwafunsa tsamba lawebusayiti.

3. Kodi ndi zinthu ziti zomwe mungagule m'miyezi popanda chiwongola dzanja?
Mawu omwe alipo amatha kusiyanasiyana kutengera kirediti kadi komanso kuchuluka kwa zomwe mwagula. Nthawi zambiri, Walmart imapereka mawu a 3, 6, 9, 12 mpaka miyezi 18 popanda chidwi. Mukamagula, mutha kusankha nthawi yomwe ikugwirizana ndi zosowa zanu komanso mwayi wolipira. Ndikofunikira kuunikanso zomwe zili mu kirediti kadi yanu kuti mudziwe mfundo ndi zikhalidwe zomwe zimagwira ntchito pogula mwezi uliwonse popanda chiwongola dzanja.

Mwachidule, kugula ku Walmart kwa miyezi popanda chiwongola dzanja ndi njira yosavuta komanso yopezeka kwa iwo omwe akufuna kugula zinthu zolipiridwa popanda kubweretsa chiwongola dzanja. Kudzera mu kirediti kadi yawo ya Walmart, makasitomala amatha kusangalala ndi njira yolipirirayi pazinthu zosiyanasiyana, kuyambira zamagetsi mpaka mipando ndi zida.

Njira yopezera idzadalira kuvomerezedwa kwa kirediti kadi ndi wopemphayo, komanso kupezeka ndi kuchuluka kwa ngongole yomwe wapatsidwa. Khadi likapezeka, kasitomala azitha kugula mwezi uliwonse popanda chiwongola dzanja, m'sitolo yakuthupi kapena kudzera pa nsanja yapaintaneti ya Walmart.

Ndikofunikira kuti muwerenge mosamala zikhalidwe ndi zikhalidwe za kukwezedwa, komanso kudziwa nthawi yokhazikitsidwa ndi malipiro kuti mupewe ndalama zowonjezera. Kuphatikiza apo, ndikofunikira kukhala ndi ulamuliro wokwanira wandalama ndikuwunika njira zolipirira zomwe zilipo musanagule mwezi uliwonse popanda chiwongola dzanja, kuwonetsetsa kuti zikugwirizana ndi zotheka ndi zosowa za munthu aliyense.

Walmart, yomwe ili ndi mbiri yambiri ngati imodzi mwazinthu zodziwika kwambiri padziko lonse lapansi, imapereka ogwiritsa ntchito ake Kupeza ndalama zina zomwe zimathandizira kupeza zinthu zabwino. Kugula pamwezi popanda chiwongola dzanja ndi njira yomwe imapereka mwayi komanso kusinthasintha kwa ogula, kuwalola kulipira pang'onopang'ono popanda kubweretsa chiwongola dzanja chowonjezera.

Pomaliza, ngati mukufuna njira yogulira ndalama, mwayi wogula ku Walmart kwa miyezi popanda chiwongola dzanja ndi njira ina yomwe muyenera kuganizira. Tengani mwayi pazinthu zomwe zimaperekedwa ndi sitolo iyi ndikugula zinthu zomwe mukufuna, osasokoneza kukhazikika kwanu kwachuma. Yambani kusangalala ndi zabwino zogula ku Walmart kwa miyezi popanda chidwi!