Fundisa abantwana bakho abaphathi bezemali kwangaphambili
Ukuvumela ukuba intsha ibe nokufikelela kwikhadi lokubambisa libanceda bafunde izakhono zemali ezixabisekileyo ezibaxhobisa ukuba baphumelele ngemali. Amakhadi angcono kakhulu kumabhinqa aya kuhlawulisa iifizi ezincinci, unikele ukuguquguquka kwemeko yokubuyisela imali kwakhona kwaye avumele abazali ukuba bafikelele ekhadini kubantwana abasebancinci.
Abaselula abakhulileyo kunye nomsebenzi wesikhathi-mali kunye noxanduva lwebhanki yabo yefowuni banokuzuza kwizinto ezinjenge-bill bill kunye ne-deposit ngqo. Amakhadi aphezulu ekudityaniseni abatsha anikezela ezi nkonzo mahhala. Ukukwazi ukujonga ibhalansi ye-intanethi kwi-intanethi okanye ngokusebenzisa i-app yeselula kwakhona.
Ngaloo nto uthe, unomntwana osemtsha olungele ikhadi lakhe lokubambisa? Ukukunceda ukuba ufumene olugqibeleleyo kumntwana wakho, siye sawayeka phantsi kweyona ndlela ekhethekileyo yekhadi lokubambisa amakhadi ukuze ufumane unyaka.
01 Ngokugqithiseleyo: I-FamZoo iKhadi leDebit ehlawulwa
Ngekhadi ye-debit yemali ye-FamZoo, bobabini abazali kunye nentsha banokufikelela kwikhadi lomdaka. Imali ingadluliselwa phakathi kweakhawunti ngokuphindaphindiweyo xa kuyimfuneko. Kubazali abafuna ukuqala ukwakha uxanduva, ikhadi linokubambisana nemisebenzi kunye nemisebenzi. I-FamZoo inikela abazali amandla okuvala kunye nokuvula ikhadi okanye ukulawula ukufikelela ekhadini okanye njengoluhlu olongezelelweyo lokhuseleko ukukhusela ukukhwabanisa nokuthengwa okungagunyaziswanga.
I-FamZoo ayihlawulisi imali yokubuyisela kwakhona imali, kodwa abanye ababoneleli bangahlawulisa imali yabo. Akukho mrhumo we-deposit ngqo. Abazali banokukhetha ukufumana enye yentlawulo yabo ngokukhawuleza ifakwe kwikhadi le-FamZoo njengomthombo wemali. Oku kunenzuzo ngakumbi kuba ukudluliselwa phakathi kwamakhadi akhululekile kwaye kwangoko.
Kukho umrhumo wenyanga wokubhaliselwa we $ 5.99 ngenyanga kwintsapho. Okanye iintsapho zingakhokhela iminyaka emibili ngeedola ezingama-60. Iintsapho zinoku-oda ukuya kwi ezine amakhadi ahlawulwayo nge-FamZoo ngelixa umrhumo usebenza.
02 Eyona ndlela yokufumana inzuzo kwi-Savings: iKhadi leVisa leNgxowa-mali ekhokhelwa kuqala
Ukufundisa abatsha ukwakha imikhwa emihle yokulondoloza kubaluleke kakhulu njengoko kubancedisa ukuba bafunde ukuphuhlisa indlela yokuchitha imali. Ikhadi le-Mango Visa lokubhalwa kwangaphambili liza kunye nokugcina imali evumela ukuba intsha ithole isivuno esiphezulu kwimali kwi-akhawunti yabo yokulondoloza. Ukuvula ikhadi le-Debit yeMali ekhokhelwayo linika intsha ithuba lokuvula i-akhawunti yokulondoloza nge-6.00 yeepesenti ye-APY kunye nenketho yokwenza ukutshintshwa kweenyanga ezintandathu kwinyanga nganye.
I-Mango Visa ehlawulwa ngaphambili iKhadi ayihlawulisi intlawulo ukubhalisa, isebenze, okanye ilayishe iimali ngokudluliselwa kwebhanki. Ezinye iimrhumo zincinci. Kuyi-$ 1 ukwenza u-ATM ibhalise uphando, i-$ 2 ukurhoxisa kwi-ATM kunye ne-$ 3 yemali yenyanga. I-Mango Prepaid Visa ingasetyenziswa apho iVisa iyakwamkelwa khona. Abaselula banokulawula iakhawunti yabo nge-smartphone app.
Ukuze ufanele u-6.00 wamaphesenti APY, iMango idinga i-deposit ngqo kwi-$ 800 kunye ne-balance balance of $ 1 ekupheleni kwenyanga. Iintsholongwane ezithatha ngqo idiphozithi ukusuka kwithuba lesithuba esithile ziyakwazi ukuxhamla i-akhawunti yokulondoloza izinga eliphezulu.
03 I-Best Best for Cash Reloads: I-American Express Yisebenzela I-FREE Reloads
I-American Express ineenguqu ezintathu ezahlukileyo zenkonzo yazo. Imirhumo yokukhonza ayiyi kuphinda ilayishe imali. Abaselula abaya kwenza imali eninzi yokuphinda ilayishe inyanga nganye baya kuncedwa kakhulu kule nguqulo yekhadi le-American Express Serve yokuqala.
Ukulayishwa kwakhona kwenethiwekhi kunendawo ezingaphezulu kwama-45,000 kwilizwe lonke. Ukulayishwa kwakhona kwakhona kunokwenziwa kwiindawo ezifanelekileyo ezifana neCVS Pharmacy, i-Dollar General, iDollar Family, i-Rite Aid, iWalmart, i-7-Eleven kunye nokunye. Abaselula banokuphinda balayishe kwakhona imali kwi-akhawunti yebhanki.
Nangona kukho imali engama-$ 4.95 yenyanga, akukho ntlawulo yokutshintshwa kwekhadi, izabelo, iinkonzo zamakhasimende okanye ukukhishwa kwe-ATM kwi-ATM yeMoneyPass. Ikhadi ngokwayo ikhululekile xa uthumela inthanethi okanye i-$ 3.95 xa uthengwa kwindawo yokuthengisa. Ezinye iinkonzo zamahhala ziquka ukuhlawula i-bill ye-intanethi yamahhala, ukukhuselwa kobuqhetseba kunye ne-deposit yangaphambili.
I-Best Best for Big Spenders: I-American Express Yisebenzela Ikheshi YaseKhaya
Njengabantu abadala, intsha eyahlukeneyo ineendlela ezahlukeneyo zokuchitha imali kunye nezakhono. Iintsholongwane ezithatha iindidi ezili-dollar inyanga nganye zingenelwa kwi-American Express Serve Cash Back. Ukuthengwa kufumana ipesenti enye engapheliyo imali. Iimali zemivuzo zongezwa ekhadini lakho ngokukhawuleza kwaye ziyakhululwa nanini na.
Ngokuqinisekileyo, kuthatha uqeqesho oluthile ukulawula ikhadi lokubhadela elihlawulwa kuqala elihlawula umvuzo. Intsha kufuneka ifunde ukungafihli imali ngokugqithiseleyo ukuze ifumane imivuzo eyongeziweyo.
I-American Express Serve Cash Back inomvuzo wenyanga wama-5.95. Ukuhlawulwa kwakhona kwemali kufikelela kwi-$ 3.95 ngokuxhomekeke kubathengisi. Ezinye iipaki zekhadi zibandakanya akukho-ntlawulo kwi-deposit yokuqala ngqo, ukukhutshwa kwe-ATM inkululeko, ukukhuselwa kobuqhetseba, kunye nokukhuselwa kokuthengwa kwemini-90 ukuthenga ukuya kuma-$ 1,000.
05 Best for Teen Teen Teen: Akimbo Prepaid MasterCard
Abazali abaninzi abancinane banokusebenzisa ikhadi lika-Akimbo lokubhadela lokubhadela ukulawula onke ama-akhawunti abo asetsheni. I-Akimbo ikuvumela amakhadi athile ahlawulwe ngaphambili ahlanganiswe kwiakhawunti enkulu. Ikhadi ngalinye elihlawulwa liyakwazi ukulawulwa kwi-app ye-Akimbo.
Ikhadi lokuqala le-subaccount likhululekile. Iimali ze-subaccount ezongezelelweyo zinomrhumo wesikhathi esisodwa we-$ 495 nganye. Ikhadi ngalinye linokukhutshwa kwaye likhutshazwe ngaphakathi kweso sicelo kwaye abazali bangafumana ukuhlaziywa kombhalo emva kokuhlaziywa ngalunye. Lo mbandela unyanzelekile kubazali abafuna ukubeka esweni inkcitho yabo yentsha.
Imali kwi-Akimbo Card Debit ye-Debit ayilungile. Akukho bhaliso okanye umrhumo wenyanga kwaye akukho ntlawulo kwiintengo zokutyikitya. Inkokhelo ye-$ .99 yokuthengiselana kwePIN, intlawulo ye $ 1.98 yokurhoxiswa kwemali e-ATM kunye ne-$ .33 yemali ye-ATM.
06 Eyona ndlela ikhuselekileyo kwi-Internet Security: i-Movo Virtual Prepaid Visa Card
Ukhuseleko lokuthengwa kwe-intanethi kubalulekile kubaselula kunye nabantu abadala. I-Vvo ye-Movo Virtual Prepaid Visa ivumela abasebenzisi ukuba benze inombolo ye-akhawunti ekhutshwe ngeyona ndlela ingasetyenziselwa ukwenza intengiso ye-intanethi. Oku kugcina inombolo ye-akhawunti eyinhloko ekubeni ibonakaliswe kwi-hick okanye ukuphulwa kwedatha.
Akukho mrhumo wenyanga okanye usebenze. I-Visa Card ye-Movo Virtual Preepid Prepaid ayikhokheli intlawulo ekuthengeni, ukuhoxiswa kwe-ATM eyenziwa nakweyiphi na ye-ATM engama-6,000 kwi-network okanye kwikhadi elingasebenzi. Intsha kufuneka iqaphele ukuba ingazami ukuhoxisa ngaphezu kwe-balance kwibaldi - i-Movo iya kuhlawulisa umrhumo we-$ 1 ukuba umthengi we-ATM unqatshelwe. Iintlawulo ze-ATM ezingaphandle kwee-Intanethi zihlawulwe intlawulo.
Intsha okanye abazali banokuphinda balayishe imali nge-deposit ngqo, ukutshintshwa kwebhanki, i-Paypal okanye i-Venmo ibhalansi, ukudluliselwa kwekhadi yebhanki okanye nge-cash kubathengisi abathile. Phinda ulayishe amaxesha ungathatha iintsuku ezintathu zoshishino kuxhomekeke kwindlela.
07 I-Akhawulezi yokujonga i-Akhawunti yedata: I-BB neT LEAP khadi lekhawunti
Ukuba uhlala kwelinye lama-16 lithetha nge-BB & T indawo, iKhadi le-Akhawunti ye-BB neT LEAP yinto efanelekileyo. Akunakwenzeka ukuba uhlale kufuphi nebebe lebhanki - ungavula i-akhawunti kwi-intanethi. Abaselula abakwazi ukuzenza ngokwabo; ubuncinane umfaki-sicelo omnye kufuneka abe yiminyaka eyi-13 ukuya kwe-21 ubudala. Esinye isicelo kufuneka sibe ngumda osemthethweni kwimeko apho i-akhawunti ivuliwe-18 ukuya kwe-21 kwiindawo ezininzi.
Uninzi lweenkonzo zamakhadi ezihlawulwayo zikhululekile ngokupheleleyo. Akukho mali yokuthengiselana, idiphozithi ngqo, iintlawulo zebhilikhwe, ibhanki yeselula kunye nokuhoxiswa kwi-ATM kunye ne-ATM. Ngaphezu koko, abaniki bamakhadi abancinci banokufumana enye yeefowuni zeenkonzo zabasebenzisi bamahhala kunye nencwadana yephepha elikhululekile kwinyanga nganye. Ikhadi elihlawulwa kuqala lingasetyenziselwa apho amakhadi eVisa avunywa.
Kukho intlawulo yesondlo yenyanga eyi-3 kunye nomrhumo wokusebenzisa i-ATM engekho ye-BB ne-T ukuze uhoxise. Intsha kufuneka inakekele ukuqhubeka kunye nekhadi labo: kukho i-$ 10 yokutshintshela ikhadi kunye ne-$ 15 ukuze ithathe indawo yamakhadi ngokunikezelwa ngokucacileyo.
Amakhadi angcono kakhulu ekuhambeni kwamazwe ngamazwe .