Funda ngemisebenzi yemali yokuTshintshela

Kulungile Ukuba Yi nyaniso?

Ukuba ufuna ukulungelelanisa, umsebenzi wasekhaya, umsebenzi wokudlulisela imali ungabonakala ukhangeleka. Umsebenzi olula: Nonke omele ukwenze kukucwangcisa iintlawulo ngokuzifaka kwi-akhawunti yakho kwaye uthumele imali kumnye umntu.

Ngelishwa, le "mi sebenzi" ihlala idlwengula. Ukuthatha eso sigxina kunokubangela ukuba ulahlekelwe yimali yakho eyimali enzima (kunye nemali awunayo) kunye neentlawulo zobugebengu ezingenzeka.

Izinto zingabonakala zihamba kakuhle ixesha elithile, kodwa kungekudala okanye izinto zihamba kakubi.

Isibheno

Iinkcukacha ziyahluka ngazo zonke iinkqubo, kodwa inkoliso yemisebenzi yokudlulisa imali ineempawu ezifanayo: Ufanele ugcine ukusikwa kwayo yonke into yokuthumela imali ekuthumele kuyo, kwaye unokwenza umsebenzi ukusuka ekhaya. Awudingi izakhono eziphambili okanye uqeqesho, kwaye inzuzo engenayo iphezulu kakhulu kunanoma yiyiphi into oyifumene kwixesha elidlulileyo (ngaphezu kwengeniso yesizwe, kwaye kaninzi ibe ngamanani ayisithupha ngonyaka).

Yintoni e ngahambi kakuhle? Ukuba kuzwakala kuntle ukuba kube yinyani, mhlawumbi.

Indlela Ulahleka ngayo

Kukho iingozi ezibalulekileyo zokuthatha umsebenzi wokudlulisela imali. Uninzi lweentlawulo ozenzayo kuloo mi sebenzi alinakuphikiswa: Awukwazi ukukhansela inkokhelo okanye ukubuyisela imali yakho . Nangona kunjalo, ngaphandle kokuba ubeke imali, idipozithi ozenzayo zingaguquleka.

Uza kutyhafaza: Le mi sebenzi ihlala idlwengula, kwaye uya kuthi ulahlekelwe yimali ngexesha elithile.

Njengoko iintlawulo ziza kwaye zihamba ngeakhawunti yakho, wena kunye nebhanki yakho iya kuqeqeshwa ukuze ubone le ntengiso njengeziganeko eziqhelekileyo. Ibhanki iya kucima imali ngokukhawuleza (okanye ubuncinane yenza imali itholakale kuwe), kwaye uya kukwazi ukuthumela iintlawulo emva kokufumana.

Ukuphela kwayo: Ngomnye umhla, inkokhelo enkulu iya kuvela, kwaye uya kuthumela intlawulo ngaphandle kokungabaza.

Nangona kunjalo, kuthatha ixesha ukuba ibhanki iqaphele ukuba idiphozithi ayiyi kucacisa, kwaye akukho mqinisekiso yokuba uya kufumana loo mali. Ibhanki yakho iya kuguqula idiphozithi embi kwi-akhawunti yakho - kodwa uya kuthumela i ntlawulo. Ngenxa yoko, uya kulahla imali kwi-deal, kwaye ibhalansi yakho ye-akhawunti ingena kwi-negative. Ngaphandle koko (ukuba awuyi kufakela intlawulo ehlawulayo), intlawulo oyifumayo iya kubikwa njengebuqhetseba, kwaye iya kuguqulwa.

Ulwazi lomntu siqu: Xa ufaka isicelo somsebenzi wakho, unokufuneka unikezele ngolwazi olubukhali oluthile. Njengengxenye yenkqubo "yokuqeshwa," unokufuna ukuba uqinisekise iNombolo yoKhuseleko lweNtlalo, ulwazi lwe-akhawunti yebhanki , kunye nezinye iinkcukacha zangasese zokuhlolwa kweemvelaphi kunye nezinye iimfuno. Ezi zimfuno zingabonakala ziqondakala kuba usebenzisa imali. Nangona kunjalo, loo ngcaciso ingasetyenziselwa ukweba imali kwiakhawunti yakho okanye ukweba ulwazisi.

Iingxowa-mthetho zetyala: Ngaphandle kokulahlekelwa yimali, unokujamelana neentlawulo zolwaphulo-mthetho ngenxa yokuthatha inxaxheba kwimali yokutshatyalaliswa kwemali.

Ukurhwaphiliza imali

Kwezinye iimeko, imisebenzi yokudluliselwa kwemali yinxalenye yemisebenzi engekho mthethweni yokuthengiswa kwemali. Ukutshatyalaliswa kwemali kuyindlela yokuthatha imali efunyenwe ngokungekho mthethweni nokufaka loo mali kwiingxelo ezisemthethweni ukuze ichithe loo mali kwiinkqubo zemali eziqhelekileyo.

Izigwenxa emhlabeni jikelele zifuna ukufumana imali yazo kwiingxelo zabo, kodwa azikwazi nje ukwenza ukutshintshwa kweenkohlakalo kwiingxelo ze-akhawunti zabo - abaphandi banokukhawuleza bazi ukuba ngubani olwaphulo-mthetho. Ngokufanayo, abakwazi ukufaka iimali ezinkulu zemali ngaphandle kwebhizinisi elisemthethweni okanye umngcipheko wokuphakamisa iiflegi ezibomvu (iibhanki, abaqokeleli berhafu, kunye nabalawuli baya kufuna ukwazi ngomthombo wale mali).

Iimali zeemali: Xa usenza umsebenzi wokudlulisela imali kwaye uncedise izigebengu ukuhlawula imali, uyaziwa ngokuba " yimali yemali ." Umsebenzi wakho ukufihla imvelaphi yemali eya kubaphulaphuli. Ngenxa yokuba i-akhawunti yakho ihlambulukile (engaziwa ukuba ibandakanyeke kumsebenzi wobugebengu), imali oyifakayo ifakwe kwinkqubo yebhanki, kwaye akukho mntu uyakrokraza. Ezi mali zibuyiselwa kwizigebengu ngaphandle kweengxaki (izigwenxa azifumaneki naziphi iingxaki, kodwa uya kuthi).

Iintlawulo ze-Boring: Xa izigwenxa zifumana imali ngeendlela eziqhelekileyo zeebhanki, kunzima kubaphathi ukubona indlela abafumana ngayo imali. Akukho ziphoyilo zokuphakanyiswa kwee-deposit ezenziwe ngesikhwama se-duffel esipheleleyo semali, kwaye akukho zihoxiso ezivela kwishishini elingaphantsi kophando. Esikhundleni saloo, ummkeli ufumana ukuhlola okudala, imiyalelo yemali, okanye i- ACH idluliselwa - njengowomvuzo-ofumana umvuzo.

Abahlawuli bemali: Ubani othumela imali xa usebenza umsebenzi wokudlulisela imali ngokungekho mthethweni? Akunakwenzeka ukwazi, kodwa abahlawuli abaqhelekileyo baquka imibutho yobutshabalala, abahlaseli, i-asebiweyo yepropati kunye nezigulane zamachiza kunye nabanye.

Ngaba Unokubuyisela Imali Yakho?

Xa ibhanki yakho ibambelela kwaye idiphozithi kwi-akhawunti yakho iguqulwa, awuyi kuba neyodwa indlela yokubuyisela imali yakho "kumqeshi" wakho. Ukuba abaphendule kwimibandela yakho yonke into, uya kufumana okanye ucele ukuba ukwenza ezinye izinto ezinobungozi.

Cetyisa kwibhanki yakho? Unokubika iingxaki ebhankini yakho, kodwa ugunyazisile ukutshintshwa kwe-akhawunti yakho, kwaye unokuthi uhoxise imali ukuze uthenge i-oda yemali okanye wenze ukuhanjiswa kwiziko lemali. Ngenxa yoko, akukho nto iphosakeleyo kwibhanki ukuyilungisa (kuba nguwe kuphela umntu o fi kelele i-akhawunti yakho).

Umthetho? Ungabika ingxaki ekunyanzelweni komthetho, kodwa abantu ojongene nabo baninzi bangaphandle kwamanye amazwe okanye kunzima ukufumana. Abasemagunyeni basemakhaya bangathabatha ingxelo (apho ungayifumana ikopi yokufumana iinjongo ezithile), kodwa ngokuqhelekileyo abanalo izixhobo zokuphanda olu lwaphulo-mthetho. Ukuba ibhanki yakho ayifumaneli imali, ungazama ukuzisa isenzo somthetho "kumqeshi," kodwa iimpendulo zempumelelo ziphantsi.

Iingcebiso ngemisebenzi yokuTshintshiselwa kwemali

Qaphela kakhulu ngokuthatha imisebenzi yokudlulisela imali. Zibuze le mibuzo elandelayo, kwaye wenze isigqibo sokuba ngaba ithuba lenza ingqiqo (okanye ukuba livakala ingozi).

1. Luhlobo luni loshishino oluya kuqeshisa umntu ongenalwazi ongeyena intanethi ukuphatha imali yabo?
2. Ngaba uhlawulelwa izinga elifanelekileyo lomsebenzi owenzayo, okanye ngaba oku kulungile?
3. Luhlobo luni lwezoshishino olufuna ukuxhaswa ngemali kwi-akhawunti yakho yasebhanki - ingenayo i-akhawunti yoshishino kulezo zidingo?
4. Unokungaphi na ukukhawuleza xa uthumela imali kumntu ongaziyo?