Ukukhawuleza Kwenzeka Njani Imali?
Ngabe Imali Yishiya I-Akhawunti Yakho?
Xa uhlawula ngetshekhi, imali ayiyikushiya i-akhawunti yakho ade ibhanki yakho ipake imali kwi-bhanki yakho.
Ngenxa yoko, kunokwenzeka ukuba uhlawule ngetekethi nokuba unayo imali ekhoyo kwiakhawunti yakho .
Ngokwenene, akukho mthethweni ukuhlawula ngetshekhi xa uyazi ukuba akukho mali ekusekeleni isheke. Kwenzeka imihla ngemihla, kwaye imiphumo emibi ayinakwenzeka (ngaphandle kokuba ufuna ukukhwabanisa abanye okanye ubhale isheke ekhethekileyo), kodwa akufanelekile ukuvavanya inhlanhla yakho.
Ijubane apho isheke lakho liye lacutshungulwa lixhomekeke kwimibandela emininzi, kubandakanywa indlela kunye nekhefu. Nangona kunjalo, kwezinye iimeko (ezifana neentlawulo zebhilikhi ze-intanethi ozicwangcisa kunye nebhanki yakho), umboleki akadingeki ukuba afake i-check-funds iya kuncitshiswa kwi-akhawunti yakho xa ibhanki yakho yenza inkokhelo.
Iifowuni eziqhelekileyo: Kwiimeko ezininzi, umvuzo wakho uya kufaka isheke sakho kwi-bhanki okanye kwimanyano yekhredithi. Le bhanki iya kucela ukuhlawulwa ngokuthumela ikopi yetshekhi (okanye isheke ngokwalo) kwibhanki yakho.
Xa ibhanki yakho ihlawula enye ibhanki, imali iyakususwa kwiakhawunti yakho. Le nkqubo ithatha iintsuku ezimbalwa zoshishino.
Iifowuni zekhompyutheni: Ukuba i-payee yakho yenza i-check checks kude, inkqubo ihamba ngokukhawuleza. Iipente ziyakuthatha i-checks ngekhompyutha usebenzisa ifowuni , ikhompyutha, okanye ukhangele i-scanner efakwe kwiirejista yemali.
Isheke sakho siya kuguqulwa kumfanekiso , kwaye loo mfanekiso izothunyelwa kuzo zonke iibhanki ezibandakanyeka ngekhompyutha. Okubaluleke kakhulu, idizithi ye-electronics iyakususa isidingo (kunye nexesha elithathayo) ukuba umvuzo wakho athathe isheke lakho kwibhankini.
Ukuba umboleki ulahleka iteksi: Kwezinye iimeko, ummkeli unako ukuhlawula i-check yakho kwaye ufumane imali kwi-akhawunti yakho ngosuku olufanayo ohlawula ngetshekhi. Ukuze wenze njalo, kuya kufuneka bathathe iphepha lokukhangela kwi-bhanki yakho (okanye isebe elidibeneyo kwiziko elifanayo ozisebenzisayo kwi- akhawunti yakho yokukhangela ). Uya kufuneka ube neepesenti ezili-100 zemali efunekayo efumanekayo kwi-akhawunti yakho ukuze isheke likhishwe. Ukuba unomfutshane, isicelo sokukhokhisa isheke siya kukhishwa, kwaye uya kuhlawulwa iimali kwibhanki yakho (kwaye umvuzo unokuba nelungelo lokukuhlawula iirhafu ezongezelelweyo).
Indlela Yokugwema Ukuhlawula Iirekhi
Ukuphepha zonke iingxaki eziza ngokubetha isheke ( iintlawulo, ukukhungatheka, iingxaki ezisemthethweni, kunye neerhafu ezingaphezulu ), qiniseka ukuba uyazi ukuba unayo imali yokuchitha imali - kwaye ungasebenzisi imali ngaphezulu.
Kulula kwaye kunzima ukulawula i-akhawunti yakho ngaphezu kweminyaka eyi-20 edlulileyo.
- Okubi: Namhlanje, unokuchitha kwiakhawunti yakho yokujonga ngeendlela eziliqela, kwaye ungazi ukuba ziphi iindleko eziza kubetha i-akhawunti yakho. Kukhohlise ngakumbi xa uthengela ngekhadi lakho lokubambisa kwaye xa iibill zihlawulwa ngokuzenzekelayo nge-ACH .
- Okulungileyo: Kulula kunanini na ukuba ukwazi ukuba kwenzekani kwi-akhawunti yakho. Ungaqwalasela ibhalansi yeakhawunti yakho kunye nokuthengiselana kwikhompyutheni yakho okanye iselula, kwaye ungasebenzisa imilayezo yombhalo ukuze uhlaziywe ngokukhawuleza .
Ukulinganisela i-checkbook yakho: Indlela efanelekileyo yokuphepha iingxaki kwi-akhawunti yakho yebhanki kukulinganisela i-akhawunti yakho yokutshekisha rhoqo . Nangona kungenangqiqo, le nkqubo ikunceda ukuba uqonde okwenzekayo ngoku - kwaye kuya kwenzeka ntoni kwikamva. Qaphela xa ukuchithwa ngokuzenzekelayo kwishiya i-akhawunti yakho (izibonelelo okanye iintlawulo zokubolekwa kwemali, ngokomzekelo), phawula nayiphi na ithengwa okanye ukuthengwa kwekhadi lokuthengwa kwemali, kwaye ugcine ingqalelo nayiphi na iitsheki ezithe gqitshiweyo. Ukuncedisa ngokulandelela, sebenzisa iirejista yokukhangela okanye ispredishithi.
Ukubukela kubamba: Kwakhona kulula ukucinga ukuba unokuchitha imali emva kokuba wenze idipozithi.
Ukuba ubeka imali, yinyaniso - unokuchitha ixesha ngokukhawuleza. Kodwa kufuneka umele ulinde ukufikelela kwisixa esipheleleyo sesheke ozifakayo. Iipolisi zakho zebhanki mhlawumbi zivumela ukuba uchithe inxalenye ngokukhawuleza, kwaye ezinye ziyafumaneka njengoko isheke licima .
Sebenzisa amakhadi ekwerethi ekuchithwa kwemali: Amakhadi-mboleko ayibolekisi, kodwa awuyi kuhlawula umrhumo xa uhlawula ibhalansi yonke inyanga. Zizixhobo ezintle zokuchitha kwansuku zonke kuba azihambi ngqo kwiakhawunti yakho yokujonga njengemakhadi e-debit (nokuba wenza i mpazamo okanye umthengisi, i-akhawunti yakho yokujonga ayiyi kuchaphazeleka). Ngaphezulu, banamanye amancedo abasebenzisa abathengi .
Xhumanisa i-akhawunti yakho yokugcina: Ukuba uhlala uhamba phantsi ukujonga, jonga iindlela zokuphepha okanye ukunciphisa iindleko ze-overdraft . Enye yezona ndlela ezincinci ukonkqoza i-akhawunti yakho yokulondoloza kwi-akhawunti yakho yokujonga. Ukuba uchithe i-akhawunti yakho yokutshekisha, ibhanki iya kususa imali kwi-savings (kwaye uhlawule imali ethobekileyo-ngokuqhelekileyo ngaphantsi kokuhlawula imali enganeleyo).
Qaphela ukuhlolwa: Musa ukubhala ukuhlola xa ungenayo imali ekhoyo, nokuba ucinga ukuba imali iya kuba khona kwiintsuku ezimbalwa. Kulula kakhulu kwiintlawulo zokucima ngokukhawuleza kunokuba ulindele (okanye ubeka imali yokucotha ngokukhawuleza kunokuba uyathemba). Ukuba ufumana isilingo sokuba ubhale ukuhlola okubi, kuthetha into ekufuneka iguqulwe (nokuba yindlela yokuchitha imali okanye izixhobo ozisebenzisayo ukuhamba kwemali). Ukukhangela ukuhlola kukudala iingxaki ezininzi, kwaye ekugqibeleni banokuhlawula amanqaku akho ekhredithi .
Kude ixesha elide ukuyeka ukuhlawula?
Ukuba wenze inkokhelo ongazifuna ukuyikhansela, cela isicelo sokuhlawula ngokukhawuleza ngokukhawuleza. Unokuthi ube neentsuku zoshishino eziliqela ukukwenza oku, kodwa akukho nto ongayenza ukuba umntu oya kwinqanaba lebhanki aze aphephe isheke (imali ingasuswa kwiakhawunti yakho ngokukhawuleza).
Xhagamshelana nebhanki yakho kwaye ubuze indlela yokuyeka ukuhlawulwa kwisheke. Kwiimeko ezininzi, isicelo somlomo siya kusebenza okwethutyana (ngokuqhelekileyo kwiiveki ezimbini), kodwa kuya kufuneka ulandele ngokubhaliweyo ixesha elide.