Sebenzisa kwi-Save
Ukujikeleza
Isicwangciso esisodwa kukujikeleza ukuthenga kwixabiso elilandelayo le dollar kwaye ubeke loo mali eyongezelelweyo kwi -akhawunti yokulondoloza .
Ukuba unayo ibhanki yebhanki yaseMelika yaseMelika, Gcina iTshintsho unokukwenza oko. Ngokomzekelo, ungathenga indebe yekhofi uze uphele ngokunye okulondoloziweyo:
- Ixabiso leKhofi: $ 3.43
- Ukuphakama: i $ 0.57 (ifakwe kwi-savings)
- Inkokhelo epheleleyo: i-$ 4.00 (ixabiso elipheleleyo kwi-akhawunti yakho yokutshekisha)
Leyongezelelo engama-57 entente ingena kwi-akhawunti yokulondoloza exhunyiwe, kwaye ingcamango kukuba awuyi kuqaphela ukuba ihambe kwi-akhawunti yakho yokukhangela. Ukuba wenza izinto ezininzi ukuthenga yonke imihla, oku kungongeza kwiibhaksi ezimbalwa zokulondoloza imihla ngemihla-okanye ukongezwa kwenyanga yonke efanelekileyo kwindleko yakho. Cinga nje ngefana ne-akhawunti yokulondolozwa kweKrismesi, ongayongeza kancinci ncinane kuwo wonke unyaka ngenjongo yokuba needola ezilikhulu ezingaphezu kweedola ezidlulileyo kwieholide.
Ukulingana kweeNgxowa-mali?
Ibhanki yaseMelika ayisayikufanisana negalelo lakho ngokusebenzisa inkqubo yoTshintsho lweTshintsho. Kwixesha elidlulileyo, unako ukufumana idola ngemali yeedola ngeenyanga ezintathu zokuqala, kwaye ke iipesenti ezi-5 zeminikelo yakho eyongeziweyo emva koko, unomdlalo ophezulu wama-$ 250 ngonyaka.
Ngaphandle komdlalo, ulondoloza imali yakho kunokuba ufumane uncedo kwi-bhanki, elungcono kunanto.
Ngaba Uncedo?
Ukuba ufuna uncedo oluncinci okanye uza kuxhamla ekuzikhohliseni ekulondolozeni, le nkqubo ingenza inkohliso. Ngelishwa, ayiyi kwenza impembelelo enkulu kwiimeko zakho zemali.
Isixa semali oyilondolozayo sinakho okanye asinakho okwaneleyo ukuba wenze umehluko ebomini bakho, kwaye awuyikulawula ukuba ungaphila. Kungcono ukwenza isicwangciso esisisiseko kwaye ngokwenene ugqibe ukuba ungaphila . Ngaloo nkqubo-leyo ayifanele ibe nzima kakhulu-uya kuba nokuqonda okuyisiseko kweemeko zakho zezemali: ubuninzi obungenayo, apho uhamba khona, kunye naluphi utshintsho olwenziweyo.
Isicwangciso esilungileyo siya kuba " ukuhlawula okokuqala ", apho uhlahlo lwabiwo-mali oluthile lwenyanga nganye-isixa owaziyo ukuba unako ukufumana ukuba ngokwenene uza kwenza uboya kwiinjongo zakho.
Ukuba sele usenjenjalo kwaye usebenzisa i-Keep Change njengoxhasayo, kulungile. Uya kuzibulela kamva ngenxa yokufumana imali eyongezelelweyo.
Boring Stuff
Iinkqubo ezinjengelizwi elihle, kodwa ukufikelela ngempumelelo kwiinjongo zakho zifuna izinto ezinokubethisa: ukujonga i-stubs yakho yokuhlawula, ukulandelela imali yakho kunye nokwenza i-math. Ngaloo ndlela awushiyi nantoni na.
Le nkqubo ingaba ngaphezulu kwesiqhinga sokwenza iintlawulo zokuthengisana kwiBhanki yaseMelika. Njalo xa usebenzisa ikhadi lakho lokubambisa njenge-"credit" yokuthengiselana, iBhanki yaseMelika imele izuze malunga neepesenti ezi-2 zexabiso elipheleleyo lomthengiso.