Riaan Ukunyakaza okukodwa okungamanga, futhi uzokhokha kakhulu.
Izinsizakalo zokukhokha kamuva aziyifanele ingozi.
Isikhathi sokuthenga samaholide yisikhathi esimatasa sonyaka, ikakhulukazi lapho uthenga abantu abambalwa. Kungakhathaliseki ukuthi uthola izipho zabanye noma uzithengela okuthile okuhle, cishe uzozibona lezo zinketho ongazithenga manje futhi ukhokhe kamuva nge-Affirm, Afterpay, Klarna, noma ngisho nezinhlelo zesitolimende ze-PayPal.
Lezi zaziwa njengezinhlelo ze-Buy Now Pay Later (BNPL), ezigqame kakhulu eminyakeni embalwa edlule. Ngokuvumelana ne idatha evela I-Adobengo-Black Friday nangoMsombuluko we-Cyber ngo-2022, ukusetshenziswa kwe-BNPL kukhuphuke ngo-88%, okuyinto ekhathaza kancane.
Uma ukwazi ukwenza inkokhelo encane kusengaphambili kodwa usathenga yonke into noma wengeze izinto eziningi ekalishini lakho, kulula ukusebenzisa imali engaphezu kwalokho ongakwazi ukuyikhokha. Nakuba izinketho zokukhokha ezivumelana nezimo ziwusizo, lawa mathuluzi ayingozi futhi angapela inkinga.
Nakhu okudingeka ukwazi mayelana nokuthenga manje futhi ukhokhe izinhlelo zakamuva nokuthi kungani kufanele uzigweme.
Indlela Yokuthenga Manje Khokha Kamuva Izinhlelo Zisebenza
Igama lisho konke. Uthola yonke into oyifunayo ngaphandle kokuyikhokhela kanye kanye. Cabanga nge-BNPL njengenketho yokuxhasa ngezimali yesikhashana, eyaziwa nangokuthi “enye imali.” I-Affirm ne-Afterpay bangabahlinzeki ababili abadume kakhulu ozobabona ngenkathi uthenga ku-inthanethi.
Indlela ngayinye esebenza ngayo iyehluka kancane, kodwa umqondo ojwayelekile uyafana. Emaminithini ambalwa, ungafaka isicelo, uthole iziqu, ufinyelele izimali, futhi usulungile. Awukhokhi lutho kusengaphambili noma okuthile okufana no-25% wesamba, bese ukhokha okunye kamuva.
Okungcono nakakhulu, lezi zinsizakalo ngokuvamile azisebenzisi isheke lesikweletu noma zibike ngesikweletu sakho, zisenze sitholakale kuwo wonke umuntu. Ngisho noma mhlawumbe akufanele uyisebenzise. Futhi ngaphandle uma kuyimalimboleko enkulu, ngeke ibike ngesikweletu sakho, ngakho lawa masevisi ngokuvamile awakwazi ukusiza ukwakha isikweletu.
I-Afterpay inketho ethandwayo ecela u-25% kuqala, bese izokuvumela ukuthi ukhokhe enye i-25% njalo ngemva kwamasonto amabili, njengosuku lokukhokha, oluwusizo kubantu ngesabelomali. Ungakwazi ukuhlukanisa ukuthenga okukhulu kuzinkokhelo ezine ezilinganayo ngaphandle kokukhokha inzalo. Ngokuya ngesevisi ye-BNPL oyisebenzisayo, abanye baze banikeze imali mboleko ende, engaphezu kwezinyanga ezingama-48.
Thenga manje, khokha amasu akamuva adume kakhulu kangangokuba ayatholakala nezinto ezikhethiwe ku-Amazon, i-apula, PayPal, nabanye. Futhi nakuba bonke bethi ungathenga izinto “ngaphandle kwenzalo,” lokho akulona iqiniso ngokuphelele, ikakhulukazi uma weqe inkokhelo.
Kwenzekani Uma Uphuthelwa Inkokhelo?
Lawa masevisi asho izinto ezinjengokuthi, “Impilo enhle yezezimali itholakala kalula nje” noma “thenga okufunayo ngaphandle kwezimali noma lezimanga,” okuzwakala kumnandi, kodwa kuyakhohlisa.
Ngeshwa, lezi zinsizakalo zivame ukusetshenziswa abantu asebevele benenkinga yezikweletu noma imali engenayo. Uma uphuthelwa yinkokhelo, uzokhokhiswa inzalo, ngisho noma inkampani ingakhokhisi imali ekhokhwa sekwephuzile. Lezo yizinto ezimbili ezahlukene. Okudingekayo nje ukukhohlwa kanye noma ukufika sekwephuzile, futhi manje uzosebenzisa imali eningi kunaleyo ebibiza ngayo ekuqaleni. Izimali zenzalo ziyahlukahluka, kodwa zilungiselele ukusebenzisa isamba esikhulu semali uma weqe inkokhelo.
Nakuba ukusetshenziswa okuyinhloko kwe-BNPL kuyimalimboleko esheshayo uzobuyisela ezinkokhelweni ezingu-3-4 ngaphandle kwenzalo, ukuthenga okukhulu noma ukubolekwa imali okude kungase kube nezindleko zenzalo. Eqinisweni, ekuthengeni okukhulu, cishe uzodinga ukufaneleka kuqala, futhi izinga lenzalo lingase libe phezulu njengo-10-36%. Ukuthenga okukhulu kuka-$1,000 kungakubiza ngaphezulu kuka-$1,300+ ngemva kwezinkokhelo nenzalo. Ingqikithi.
Ngokuya ngosayizi nobude bemali mboleko, ezinye azinayo inzalo, kanti ezinye zingenayo. Futhi uma unemali mboleko ende enenzalo futhi uphuthelwe inkokhelo, lelo zinga lizokhuphuka kakhulu. Iwukulahlekelwa ngaphandle kwalapho ufika ngesikhathi ngayo yonke inkokhelo eyodwa.
Impela, lawa angaba amathuluzi awusizo uma unezimali, ulondolozela ukuthenga okukhulu, futhi unamathele kubhajethi. Bese futhi, uma uphatha izimali zakho ngokucophelela, cishe awuzidingi izinsiza ze-BNPL kwasekuqaleni.
Akushiwo ukuthi wonke umuntu osebenzisa i-BNPL akakwazi ukukhokhela izinto abazama ukuzithenga, kodwa ibhekelela leyo ngxenye yabathengi. Amandla okuthenga esikhashana ukuze uthole izinto ozifunayo. I-TikTok yokuthenga, ngokuthenga okungahleliwe nokwaneliseka ngokushesha.
Ezinye Izingozi
Kanye nezindleko zokunethezeka, izinkokhiso ezingaba sekwephuzile, kanye nezilinganiso zenzalo ezihamba phambili uma uphuthelwa inkokhelo, ezinye izingozi zihlotshaniswa nalawa masevisi.
Kokukodwa, iningi lawo alikuvumeli ukuthi ukhethe idethi yokukhokha noma uhlele kabusha inkokhelo uma kudingeka. Lokho kungabangela ngokushesha abasebenzisi ukuthi baxabane ukuze bathole imali noma bagcine sekwephuzile. Futhi njengoba izinsiza ze-BNPL zingalawulwa, awukutholi ukuvikelwa okufanayo njengekhadi lesikweletu. Izinto ezifana nokuthunyelwa okulahlekile, izinqubomgomo zokubuyisela, ukukhwabanisa, noma impahla eyonakele nengalungile.
Thenga Manje Khokha Kamuva Izinhlelo zingakushiyi indawo yokunyakazisa eminye imicimbi impilo engase ikulahlekele. Cabanga ngezindleko ezingalindelekile, izinsuku zokugula ezibangela ukuthi wenze imali encane ngesheke, noma inkinga yemoto ezokwenza ukuthi usabalale. Awukwazi ukuhlela kabusha inkokhelo futhi ngeke ube nenhlanhla. Futhi kulezo zimo, iningi lalezi zinsizakalo azinayo ngisho nenombolo yocingo yosekelo lwekhasimende ongayishayela.
Lezo ngezinye zezingcuphe ezimbalwa kweziningi ongase ubhekane nazo nge-BNPL, futhi lokho ngaphambi kokusho ukuthi uzosebenzisa imali okungadingeki ukuthi uqale ngayo.
Ingabe Kufanele Usebenzise Imalimboleko ye-BNPL?
Yize singeke sasho ukuthi yini okufanele uyenze noma okungafanele ukwenze noma lokho okulungele isimo sakho, kuwumqondo omuhle ukugwema ukubolekwa imali yesikhashana ye-BNPL.
Yebo, i-BNPL ingaba yinhle ngeseshini yokukhokha esheshayo engu-3-4, kodwa ukusabalalisa ukuthenga isikhathi eside, ikakhulukazi into ebizayo ongayidingi ngempela, akusona isinqumo esingcono kakhulu. Ngaphezu kwalokho, ngokuvumelana ne I-ConsumerAffairs, ingxenye yesithathu yabantu baseMelika abasebenzisa i-BNPL baphuthelwe yinkokhelo noma basalele emuva. Ingozi!
Ukwenza izinto zibe zimbi kakhulu, uma uhlanganisa thenga manje khokha izinsiza kamuva nazo zonke lezo “khokhelwa namuhla” izinhlelo zokusebenza lapho ukhokhelwa khona nsuku zonke esikhundleni samaviki amabili, ucela inkinga. Lokho kungenxa yokuthi usebenzisa imali yakho ngomzuzu onayo (noma ngisho noma ungenayo) futhi uthenga izinto ezinkulu, bese kufanele uzikhokhe ngokuhamba kwesikhathi. Ayishiyi indawo yokuguquguquka yezindleko ezingalindelekile, izinkokhelo, inzalo, nanoma yini enye impilo ephonsa indlela yakho.
Ekupheleni kosuku, gwema lezi zinsizakalo. Uma kufanele usebenzise eyodwa, uzofuna ukucabangela ngokucophelela lokho okuthengayo, ukuthi isikweletu silungele isikhathi esingakanani, nokuthi ungase ube nesikweletu isikhathi esingakanani. Futhi hlala unaka amanani enzalo noma ulwazi lokukhokha sekwephuzile. Cabangela konke lokho ngaphambi kokuthenga kwakho okungalindelekile.
