Ukuba uhlukeneyo "iibhanki zeebhanki" kukunceda ubone ngenyameko yakho inkqubela kumgomo ngamnye. Oku kunokukukhuthaza ngaphezu kokuhlanganisa yonke imali yakho yokugcina imali kwi-akhawunti enye.
Uninzi lweengcali zezemali zibhekisela kwindlela yokwenza "iibhanki zeebhanki" ngokudala "i-akhawunti yokugcina imali". Ii-akhawunti ezininzi zokulondoloza zixhobo ezifanelekileyo zokwenza imali.
Ingaba isebenza kanjani
Emva kokuba useke iakhawunti yakho (iinkcukacha ezingezantsi), uya kucelwa ukuba wenze iinjongo zokulondoloza. Unokwenza ezininzi iinjongo njengoko ufuna. Injongo nganye ifumana igama layo. Emva kokufaka ezi zigugu ezintathu (igama lomnqophiso, umhla wokugqibela, kunye nemali), i-SmartyPig izakukwenza ukuba uthathe isigqibo malunga nokuba ufuna ukuba negalelo kangakanani ukufaka isandla kule njongo. Unokumisela "uxhaso lwezimali" olwenzeka rhoqo ngenyanga, kabini-nyanga zonke, zonke iintsuku ezili-14, okanye akukho (oko kuthetha ukuba uya kuba negalelo lomntu kunokuba wenze igalelo lakho ngokuzenzekelayo).
Unokukhetha nokuba yiyiphi inyanga enyanga ofuna ukuyifaka. Ngokomzekelo, ndinegalelo kwiinjongo zam ngomhla we-1 kwinyanga nganye (nangona ndikhe ndakhetha ngokukhethekileyo i-5 kwinyanga leyo, okanye i-28 kwinyanga leyo, okanye nayiphi na imini endikhethayo.) Ukuba intsapho kunye nabahlobo bangathanda ukufaka isandla Injongo yakho, unokusekela i-akhawunti yakho ukuba "yamkele iminikelo" evela ngaphandle.
Ukulandelela Inkqubela Yakho
Xa ungena kwi-akhawunti yakho ye-SmartyPig, uza kubona inkqubela phambili oyenzayo kwinjongo nganye. Unokukhetha ukubona le ndlela ngepesenti okanye inani leedola. Unokuhlela iinjongo zakho, kunjalo. Iimali zakho zigcinwe kwi-akhawunti egameni lakho kwi-BBVA Compass Bank, oku kuthetha ukuba imali yakho yokugcina imali i-FDIC-insured.
Ezinye izibonelelo
I-SmartyPig ikunika inketho yokukhupha imali yakho ngendlela yamakhadi wesipho esaphungulwayo. Umzekelo, ukuba ubeka iinjongo zokulondoloza i-$ 500 yezipho zeeholide, unako "ukuphuma" kwinjongo (ukuhoxisa imali), njengokuba uvela kwi-akhawunti egciniweyo yokugcina i-akhawunti, okanye unokuhlawulela imali ngendlela ikhadi lesipho apho ufumana imali encinci yebhonasi.
Ukuba ukhethe ukuthabatha ikhadi lezatifikethi ezijoliswe kwi-$ 500, kunokuba ufumane imali, umzekelo, unokufumana i-$ 525 ikhadi lesipho (ibhonasi ye-5 yepesenti). Kukho ezininzi zewebhu, ezifana neKhadipool.com okanye ikhadicash.com, ekuvumela ukuba uthenge amakhadi wesipho esaphungulwayo. Thengeza; unokufumana into engcono kulezo ziza.
I-SmartyPig inikezela ngekhadi lekredithi yendlu yangaphakathi kunye neepesenti ezi-1 zemali. Kwakhona, thengisa. Ipesenti enye iyimali efanelekileyo yemali yekhadi lesikweletu, kodwa unako (mhlawumbi ungenako) ukukwazi ukufumana ikariti enemivuzo engcono, kuxhomekeke kumanqaku akho ekhredithi . Inzuzo enkulu ye-SmartyPig, kwimbono yam, yinkonzo yayo eyintloko: kukuvumela ukuba wenze "iibhanki zeebhanki" ezininzi apho ungayijonga khona inkqubela yakho kwiinjongo ezininzi zokulondoloza.
Ndiyaqalisa
Ukusekwa kulula - sebenzisa kuphela kwi-intanethi ye-akhawunti.
Uzakufuna igama lakho, idilesi, kunye nolunye ulwazi olusisiseko lokuchonga. Uyakufuna kwakhona indlela yokuhamba kunye ne-akhawunti yebhanki enye yebhanki akhawunti, eya kudibanisa ne-akhawunti yakho ye-SmartyPig.
Ngexesha lokulungisa inkqubo, kuya kufuneka unike ulwazi lwakho lwebhanki kwi-SmartyPig. Kuya kufuneka ukuba ulinde iintsuku zoshishino ezingama-3-4 ngelixa i-SmartyPig iqinisekisa i-akhawunti yakho. Xa i-akhawunti yakho yasebhanki iqinisekisiwe, unako ngokuzenzekelayo okanye uthumela imali kwi-akhawunti yakho kwi-SmartyPig yakho.