Yintoni isheke esilandelayo?
Isheke esitshintshileyo isheke ngelixesha elizayo elibhalwa kuyo.
Ngokomzekelo, cinga ukuba namhlanje nguJanuwari 1 kwaye ubhala isheke. Ngokuqhelekileyo, ungayifaka umhla okhoyo (Januwari 1 st ) kwisheke. Kodwa unokubhala nje ngokulula umhla weveki elandelayo kwisheke kwaye uthi ubhala ngoJanuwari 8 th . Ngamanye amagama, unokwenza i-postdate isheke.
Abantu bavame ukuvavanya xa befuna ummkeli (umntu okanye ishishini elitholayo intlawulo, eyaziwa ngokuba yi-payee ) ukulinda ngaphambi kokufaka isheke. Izizathu ezibini zezi zinto ziquka:
- Umbhali wokukhangela akanakho imali efumanekayo xa ebhala isheke, kodwa ezo mali ziya kufumaneka ngomhla ozayo.
- Umbhali wokukhangela uhlawula into ethile ngaphambi kwexesha - ngaphambi kokuhlawulwa kwentlawulo okanye inkonzo sele igqityiweyo, umzekelo.
Ngaba Kusemthethweni ukuThumela i-Check?
Akukho buqhetseba obuvunyelwe: Akukho mthetho owenziwe emva kokuhlolwa okungekho mthethweni. Akukho mthethweni ukubhala isheke xa uyazi ukuba awunayo imali yokuyikhusela, kodwa izinto zithatha into encinci - kwaye iinkcukacha zixhomekeke kumthetho karhulumente - xa uthumela isheke (kuthathwa njengamkelekileyo njengentlawulo).
Kwakungekho mthethweni ukukhwabanisa umntu othengisa into ngokuzenza ngathi uhlawule kodwa akakhokheli ngokwenene (okanye unenjongo yokwenza njalo).
Ayikho isivumelwano esibhaliweyo: Kungenxa yokuba kungowomthetho asithethi izinto ziya kusebenza ngendlela oyihlose ngayo: Umhla owukhethayo ukuwusebenzisa awuyiyo inxalenye yesivumelwano esisemthethweni phakathi kwakho nomntu obhale kuso isheke.
Kwiimeko ezininzi, ummkeli angasifaka isheke ngasiphi na ixesha. Ngaphandle kokuba ubeke izinto ngokuchanekileyo kunye nebhanki yakho, ibhanki ikhululekile ukuhlawula imali kwi-akhawunti yakho phambi komhla oboniswe kwisheke.
Buza kuqala: Yintoni enye, isheke esishicilelweyo esingahle singabi yindlela efanelekileyo yokuhlawula. Uvumelekile ukuba uzame ukuhlawula ngetekethi ephumayo, kwaye amashishini avunyelwe ukuba angawagatye ezo ntlawulo kuba awukwenzanga ngokwenene ukuhlawula okukhululekile kunye nokucacileyo. Ukuba uceba ukubhala isicatshulwa esilandelayo, cela imvume phambi kokuba wenze njalo. Ukuba inkokhelo yakho inqatshelwe, ungenako ukuthenga umkhiqizo okanye inkonzo oyifunayo, kufuneka uhlawule iifizi zokuhlawula emva kwexesha, okanye kubekho neminye imiphumo. Ngokomzekelo, i-IRS ngokubanzi ayifumkeli ukuhlolwa kweposi, ngoko unokujamelana neentlawulo zerhafu nomdla ukuba ukuhlawulwa kwakho kwehluleka. Ngokufanayo, ezinye iilunivesithi aziyi kwamkela ezo zihlolisiso, ngoko iingxaki kunye nokubhalisa (phakathi kwezinye izinto) zinokwenzeka.
Ngaba unako ukukhangela isheke emva kwosuku olubonisiweyo?
Kwiimeko ezininzi, ungasifaka okanye ukhiphe isheke emva kwangoko. Abaqokeleli-matyala kunye namanye amashishini angavunyelwa ukucwangcisa isheke phambi komhla wokukhangela, kodwa abaninzi abantu bakhululekile ukuba bathathe iisesheke emva kwebhanki ngokukhawuleza.
Oku kuthethi, ukuba uvumelekile ukulinda ngaphambi kokukhangela isheke, kungenokuba akukho mthethweni ukwenza okunye.
Buza ukuba kutheni: Kububulumko ukunxibelelana nabani na obhala isheke-mhlawumbi isizathu sokuba sithunyelwe emva. Ukuba i-akhawunti ayinayo imali eyaneleyo, isheke liyakunqumla, kwaye kufuneka uhlawule iimali kwibhanki yakho. Unokuzama ukufumana ezo ntlawulo zihlawulwe ngumlobi wekhenkce, kodwa ukuqokelela ukusuka kumntu osele ephantsi kwiimali kunokuchitha ixesha kunye nokubiza (mhlawumbi ufuna ukuba uthathe amanyathelo omthetho). Fumana ukuba ingotshe yenziwe ngokukhawuleza, kwaye ifumene isisombululo.
Amabhanki (e-US ubuncinane) ahlawula ngokutsha kwiihlolwe emva kokuba umnikazi weakhawunti athatha amanyathelo athile ebayala ukuba bangabikho. Nangona kunjalo, abaninzi abantu abakwenzi oku, ngenxa yokuba iibhanki zihlawulisa iimali ezongezelelweyo zokubeka iliso i-akhawunti kwaye zikhusele intlawulo phambi komhla ochaziweyo.
Ukuhlawula okanye ukufaka iifowuni: Ukuhlawula isheke esithunyelwe kwangaphambili kunokuba ngumngeni. Ngenxa yokuba kunokwenzeka ukuba itekshi ayiyi kucacisa, unokuba netlanka engcono yokufaka ezo zihlolisiso. Okuvumela iibhanki yakho ukuba ibambe imali kwiindawo zokubambisa imali ngokukhawuleza. Ukuba ufuna ngokwenene ukukhangela isheke esishicilelwe emva kwexabiso elipheleleyo, yifake kwi-bhanki ekhuphe isheke-apho umbhali wokukhangela eneakhawunti yokujonga.
Kwezinye iimeko, ukuhlolwa okutshintshiwe emva kokufakwa kufakwe, kwaye akukho mntu ophawulayo (abajongi ngokukhawuleza ngomhla). Ngaphandle kokuba kukho ingxaki okanye isikhalazo, ezo zihlolisiso zicutshungulwa kwaye zikhohliwe malunga.
Indlela yokuthumela emva kokujonga
Ukufakela isheke, sebenzisa umhla ozayo kwikota yenkcazelo .
- Xoxa nomfaki wakho malunga neemfuno zakho kunye nokulindela xa isheke ingafakwa.
- Buza ibhanki yakho malunga neemfuno kunye nemirhumo yokuposa isheke.
- Qala ukubhala isheke njenganoma yintoni enye isheke .
- Bhala umhla wexesha elizayo kwi-dateline.
- Tyikitya kwaye ungenise isheke.
Qinisekisa ngebhanki yakho: Ukubhala nje umhla ozayo akuqinisekisi nto. Ukukhusela ngokwenene imali ekuhlawulwa ngayo kwi-akhawunti yakho ngaphambi komhla oyikhethayo, qhagamshelana nebhanki yakho ngaphambi kokuba ubhale isheke. Buza oko kufuneka uyenze ukuqinisekisa ukuba isheke ayiqhutywanga ngaphambi kokuba ulungele - ngakumbi xa ungathembi umvuzo. Ngokuqhelekileyo, kuya kufuneka unikeze imiyalelo ebhaliweyo, kwaye ibhanki yakho ingakuxelela kakuhle indlela yokwenza oko. Buza malunga nayiphina imali echaphazelekayo, kwaye ulindele ukuhlawula i-$ 30 okanye njalo.
Hambisa isicelo esibhaliweyo: Ukufomula isicelo sakho, unokufuna ukubonelela ngemibhalo ebhaliweyo kwibhanki yakho. Iimfuno zixhomekeke kwilizwe lakho kunye neebhanki yakho, ngoko fundisisa imigaqo phambi kokuba ubhale isheke esilandelayo. Imiyalelo yomlomo ivumeleke ukuba ivumeleke iintsuku eziyi-14, kwaye unako ukwandisa ixesha lokubeka ibhanki lakho kwiinyanga ezintandathu kunye nemiyalelo ebhaliweyo.
Unxibelelwano luya kulondoloza imali: Kwakhona ingcamango enhle ukuthetha nabani na onika isheke. Qinisekisa ukuba bayazi ukuba isheke lihlelwe emva, kwaye uqinisekise ukuba oku kwamkelekile. Ukuba bayifaka isheke kwangoko kwaye iyancipha, ibhanki yakho iya kukuhlawulisa imali engenayo imali (okanye iindleko ze-overdraft, kuxhomekeke kwi-akhawunti yakho ). Ibhanki yeebhanki iya kuhlawula iirhafu, kwaye unokufuneka uhlawule iimali okanye ezinye izigwebo zokuhlawula ngetsheko embi (iifizi zokugqibela ziyakwenzeka ukuba ukuhlawulwa kwakho akukwenziwanga ngexesha).
Ngubani ohlawula ukuba kukho ingxaki? Ukuhlawulwa kwentlawulo (okanye ukuhoxiswa ngokungalindelekanga kwi-akhawunti yakho yokujonga) kunokubangela iingxaki ezininzi. Ukuba unikezela imiyalelo kwibhanki yakho kwaye ihlawula imali kwi-akhawunti yakho, ibhanki yakho kufuneka ifunyenwe nayiphi na iindleko ze-overdraft eziza kubakho, kwaye unokwenza uqhube kwi-bhanki yakho kwezinye iindleko ozijongene nazo.
Iindlela ezingezinye zokuThumela iiKhekhi
Ukuba unako ukhetho, kukulungele ukuphepha ukuhlola okutshintshelwe emva. Indlela yodwa yokuqinisekisa ukuba baya kusebenza ngokwenene ukuhlawula imali eyongezelelweyo kwibhanki yakho. Ukuba awufuni okanye awukwazi ukuhlawula ibhanki yakho ukubeka iliso i-akhawunti yakho, unesihe kulowo nawuphi na onika isheke. Nangona umvuzo wakho uthembekile, banokwenza impazamo ethembekileyo yokulibala (kunye nokukushiya ngemirhumo embi yokukhangela).
Ngokuqhelekileyo i-postdated isetyenziswe ngenxa yokuba imfutshane kwimali - kwaye yile nto xa ungeke ukwazi ukuhlawula imali eyongezelelweyo.
Endaweni yokubhala isheke esilandelayo, zama oku kulandelayo:
- Ukuba uthumela isheke malunga nezizathu okanye ixesha elifanelekileyo (njengoko uya kuba ngaphandle kwedolophu kwaye awukwazi ukuhlawula xa usenza njalo), cwangcisa intlawulo ngeenkonzo zentlawulo yebhanki yakho ye- intanethi .
- Ukuba udinga iintsuku ezimbalwa ezongezelelweyo ngemali yokucima kwi-akhawunti yakho, cela umvuzo wakho ngelinye ilanga lokuhlawula. Abanye abahlaziyi bavuyayo ukulungiselela umhla wokuhlawula osebenza kakuhle ngemali yakho engenayo (baya kwenza usuku lwakho olufanelekileyo emva kweentsuku ezimbalwa emva kokuba idiphozithi yakho ngqo ifike).
- Bhalisela iikhompyutheni zekhompyutheni ngokuzenzekelayo - kodwa kuphela xa uthemba umvuzo. Amashishini angathembekiyo okanye angahlekanga angenza ukurhoxiswa kwiakhawunti yakho ngaphambi kokuba ulungele.