Ziziphi iimali eziNgenayo
Imali enganeleyo imeko xa i-akhawunti yakho ingenayo imali eyaneleyo yokufumana intlawulo.
Umzekelo, ungabhala isheke okanye ubhalisele iikhompyutheni zekhompyutha ngokuzenzekelayo kwinkampani yakho yamandla.
Xa loo ntlawulo ibetha i-akhawunti yakho (mhlawumbi ngenxa yokuba i-biller yakho icela imali okanye ifake isheke lakho ), ibhanki ikuthelekisa ukuba unakho kunye nokuba ungakanani umrhumo. Ukuba awunayo imali eyaneleyo, ibhanki inokunqanda ukuhlawula: akukho mali iya kushiya i-akhawunti yakho, kwaye i-biller ayiyi kuhlawulwa. Kwezinye iimeko, ibhanki yakho iya kuvumela ukuba inkokhelo ihambe ngayo - jonga ngezantsi.
Esikhundleni sokusebenzisa ixesha elingenayo imali, unokuva malunga nokuhlolwa kwee-bounced, ukukhishwa kwintlawulo, i-akhawunti yokukhishwa kwirejista, okanye imali engenayo (NSF).
Kwenzeka ntoni emva koko
Kwiimeko ezininzi, ibhanki yakho iya kucima ukuthengiswa xa ungenayo imali eyaneleyo yokuhlawula intlawulo. Kodwa iya kuba nzima.
- Imirhumo ibambelele: iibhanki zihlawulisa imali xa unako imali enganeleyo. Lindela ukuhlawulwa kwe-$ 35 okanye njalo. Ukongeza, nabani na ozama ukuhlawula kuya kubakho ukuhlawula imali. Ibhizinisi elifaka ikhonkco lakho elibi liya kukhangela ibhanki labo kwaye liya kudlulisela iindleko kuwe. Nangona uyenzela ukuhlawulwa kwekhompyutheni, kukho rhoqo ukuhlawulwa kweentlawulo ezingaphumeleli.
- Idumela elibi: iibhanki azinqweneli abathengi abagqithisileyo ii-akhawunti zabo (nangona abo bathengi bevelisa imali eninzi). Bakhathazeka kukuba ibhanki ekugqibeleni kufuneka idle intlawulo embi kwaye kufuneka uzame ukuqokelela kumthengi. Amabhanki angavala i-akhawunti yakho xa uhlawula i-akhawunti yakho rhoqo, kwaye igama lakho lingagqiba kwiinkcukacha ezilandelwayo abathengi abathengi abanembali yokubheka ukuhlola okubi .
- Iingxaki zomthetho kunye neengxowa-mali: ukuba wenza umkhwa wokukhupha i-akhawunti yakho ye-overdrawing (kwaye awuyikusebenzisa ukukhuselwa kwe-overdraft), ungagqiba ekugqibeleni ukulimaza izikolo zakho zemali-mboleko - kwaye unokuba neengxaki zomthetho ukuba kubonakala sengathi unomnqophiso ukuchitha imali engaphezulu kunokuba unokukwazi ukuyenza. Kubantu abaninzi, oku akunjalo, kodwa kunokwenzeka.
Ukhuselo lwe-Overdraft
Amabhanki anika iinkqubo zokukhusela i-overdraft "ukunceda" xa ibhalansi yakho yeakhawunti ihamba phantsi. Endaweni yokwenqaba ukuthengiselana, baya kubahlawula ngokungathi unayo imali eyaneleyo, kwaye kufuneka ubeke endaweni leyo ngokukhawuleza.
Ukukhuselwa kwe-Overdraft kukukhetha - kufuneka ukhethe ukungena kwi-akhawunti yakho yokujonga, kwaye akusiyo into efanelekileyo yokukhetha ukungena. Ukuba awukhethi, ikhodi yakho yemali iya kulahlwa xa uzama ukwenza inkokhelo ongenakukwazi ukuyifumana. Kwimeko apho, unokwenza isigqibo sokusebenzisa ikhadi elihlukile, ukuhlawula imali, okanye ukwenza ngaphandle kwanoma yini oyithengayo. Nangona kunjalo, ukuba ukhetha ukungena xa uvula i-akhawunti yakho, uya kugunyaza ibhanki ukuba ihlawule iirhafu ze-overdraft kwaye ugunyaze ukuthenga ngemali eninzi kunayo.
Ukuba unquma ukuba ufuna ukukhuselwa kwe-overdraft, khetha ngokuhlakanipha. Ukukhuselwa kwe-overdraft yama-$ 35 engadluliyo akukufanekiyo ukubheja phambili (ukuba uchitha imali nge-$ 2, uza kuhlawula imali epheleleyo ye-$ 35).
- Imigcaqo ye-creditreji yexabiso lemali ingabizi ngaphantsi kweeyure zerhafu ye-overdraft. Esikhundleni somrhumo osisigxina, uya kuhlawula umrhumo "obolekayo," oqhelekileyo ngaphantsi komrhumo.
- Xhumanisa i-akhawunti yokulondoloza kwi-akhawunti yakho yokujonga. Ibhanki yakho iya kubamba imali efunekayo ekugcineni imali (nangona kukho imali ephantsi ye-$ 10 okanye njalo-khangela iibhanki yakho).
Qaphela ukuba okanye ungayibhalisanga ukukhusela i-overdraft, ibhanki yakho inokuthi ivumele ukuba iintlawulo ziphumelele xa ufutshane (kwaye uhlawulise imali engenayo imali). Iintlawulo eziphindaphindiweyo ezihlawulwayo, ezifana neentlawulo zesevisi okanye iipresimesi zomshuwalense, ziya kuba zihlawulwe nangona ucele ibhanki yakho ukuba iyancipha ukuthengiselana xa ungekho kwimali (kodwa qinisekisa inkqubo kunye nebhanki yakho ukuze ukwazi ukuba ungalindela) .
U kuphepha Ingxaki
Ukuze ugweme imali engaphelelekanga, gcina ithebhu kwi-akhawunti yakho, kwaye ugcine imali ethe xaxa ngesandla.
- Gcina i-akhawunti yakho ngokungena kwi-intanethi okanye ukubeka izilumkiso (okanye ukuthumela umbhalo okhawulezayo) kunye nebhanki yakho. Ingqiqo enhle ukuhlaziya rhoqo intengiso ukwenzela ukuba ufumane ukukhwabanisa ekuqaleni .
- Yazi ukuba ufumane kangakanani ngokulinganisela iakhawunti yakho. Ukuba ugcina umgca we-balance yakho, nayiphi na intlawulo ezayo kunye neyayiphi na into egcina okanye ikhulule kwi-akhawunti yakho , uya kukwazi ukuba ungayichitha phi nangaphambi kokuba ibhanki yakho iyenze.