Ngokutsho kwe-American Bankers Association (ABA), uninzi lwabathengi baseMelika abazihlawuli mali nasiphi na iibhanki zabo. Ngaba uyingxenye yelo qela?
Amabhanki ayafumana imali eninzi , kwaye iifayili ngumthombo obalulekileyo weenzuzo. Oko kuthetha ukuba abantu abahlawula imali bazenzela bonke abantu-ngamanye amaxesha bahlawula amakhulu emadola okanye ngaphezulu ngonyaka. Ukuba uhlawula iimali kwibhanki yakho, fumana ukuba ziphi, ukuba zikubiza ntoni, kwaye ungathini ukuphelisa loo ndleko.
01 IiMali zokuSondeza
Iimali zokulondoloza zilula ukuziphepha. Unakho:
- Sebenzisa ibhanki engabizi imali yokugcina, okanye
- Imilinganiselo yokuhlawula imali ukuze iifowulini zihlawulwe
Iibhanki zamahhala zisenjalo . Emva kweengxaki zemali, iibhanki ezinkulu zenza iindaba ezinkulu ngokunquma ukukhangela ii-akhawunti (free and fees). Nangona kunjalo, ubuninzi beebhanki banika i-free checking. Iibhanki ze-intanethi ziyimithombo esheshayo kwaye elula yebhanki yamahhala, njengoko ayifumanekanga imfuno ezincinci okanye iimali zenyanga . Ukuba ufuna iinjongo zebhanki zitena kunye namanqabana ( amasebe asebhanki asele ancedo ), khangela iinkonzo ezincinci zengingqi ezifana neebhanki zengingqi. Imanyano yemali-mboleko, ephantsi kohlobo lwabo abathengi, nayo iyindlela enhle yokujonga ngokukhululekileyo.
Ukuhlawulwa kweentlawulo zichanekileyo: ukuba uhlangabezana nemigangatho ethile, ibhanki ayiyi kuhlawulwa imali yokugcina. Imigaqo eqhelekileyo evumela ukuba udide iifizi ziquka:
- Ukumisela idipozithi ngqo yomvuzo wakho kwi-akhawunti yakho yasebhanki (ngamanye amaxesha ubuncinane be-$ 500 ngenyanga kufuneka)
- Ukugcina ibhalansi ye-akhawunti ngaphezulu kwezinga elithile (i-$ 1,000, umzekelo)
- Ukunyinwa kweengxelo ezingenamaphepha
- Ukusebenzisa iinkonzo ezahlukeneyo kwibhanki elifanayo (ukufumana imali evela kwibhanki enye apho ugcina i-akhawunti yakho yokujonga, umzekelo)
02 I-Overdraft kunye neNgxowa engekhoyo
Iimali ze-Overdraft zihlala zijikeleze i-$ 35 ngokuthengiswa kwehlulekile. Umzekelo, ukuba i-akhawunti yakho ine-$ 1, kodwa uchitha i-$ 4 ngekhadi lakho lokubambisa (kwaye ubhalisele iprogram yokukhusela i-overdraft yebhanki yakho), uya kuhlawula i-$ 35 nje ukuboleka i-$ 3. Ukubuyisa imali kwi-ATM emva koko, kwaye unokujamelana nentlawulo enye ye-$ 35.
Ngethamsanqa, iirhafu ze-overdraft zikhethiweyo. Ibhanki isetyenziselwa ukukusayina ukukhusela i-overdraft ngokuzenzekelayo, kodwa ngoku kufuneka ukhethe ukungena kule nkonzo. Kwiimeko ezininzi, unokukhetha ukuba ikhadi lakho lehlile (unakho ukuhlawula ngemali okanye enye ikhadi, uzisindise i-$ 35). Ukuba unomdla wokukhusela i-overdraft, kukufanele ukuphanda ukhetho. Ezinye iibhanki ziza kudlulisela imali kwi-akhawunti yakho yokulondoloza kwi-akhawunti yakho yokukhangela i-$ 10 okanye njalo, kwaye abanye banikela imigca ye-creditreji (ehlawulisa inzala kwimali oyibolekayo "esikhundleni somrhumo ophezulu werhafu ngokuthengiselana).
Ukukhethwa Akukho Kwanele
Unokucinga ukuba ucacile ukuba awuzange ukhethe ukungena ekukhuselweni kwe-overdraft. Kodwa uya kuhlawula iifizi ukuba ibhalansi yakho ye-akhawunti isebenza kwi-zero kunye neentlawulo zithatha i-akhawunti yakho. Ngokomzekelo, usenokuba usethe i-mortgage ngokuzenzekelayo okanye inkokhelo ye-inshorensi kwi-akhawunti yakho yokujonga (ngoko i-biller yakho ithatha imali ngenyanga). Ezi ntlawulo ziphathwa ngendlela eyahlukileyo - ukukhutshwa kwe-overdraft ukukhusela kuphela ukukhupha i- overspending kunye nekhadi lakho lokubambisa .
Ukuba iintengiso zenza ibhalansi ye-akhawunti ngaphantsi kwe-zero, ibhanki yakho iya kuhlawula umrhumo weemali ezinganeleyo . Ezi ntlawulo zihlala zijikeleze i-$ 35 ngokuthengwa kwehlulekile.
Yintoni ongayenza
Unokuziphepha njani iimali ezingaphezulu kweredraft kunye ne-NSF? Impendulo elula kukugcina imali eyaneleyo kwiakhawunti yakho. Kodwa kunzima ukutsala loo nto xa imali iqinile kwaye ukuthengiswa kwekhompyutha kukhangela imali ngaphandle kokuba uyazi malunga nayo.
Qaphela ukuba unakho kangakanani kwi-akhawunti yakho, kwaye nokuba ungakanani kwi-akhawunti yakho ngeveki ezayo. Ukuba ulinganisela i-akhawunti yakho rhoqo, uya kukwazi ukuba yiyiphi intsebenzo esele idlulile kunye nawaphi ulindele. Ibhanki yakho ingabonisa ukuba unomlinganiselo othile wemali ekhona - kodwa uza kuqonda ukuba akusiyo yonke iibhili zakho ezibethe i-akhawunti yakho okwamanje. Ukufumana iinkcukacha ezingaphezulu, kubandakanywa iifom kunye neespredishithi zeempredishithi, funda indlela yokulinganisa iAkhawunti yakho .
Kukunceda ukusekwa izilumkiso. Yibhale i-bhanki yakho xa ibhalansi yakho ye-akhawunti isehla . Uya kwazi ukuba kufuneka uguqule okanye ukhansele iintlawulo, okanye uthumele imali kwi-akhawunti yokulondoloza.
Njengokhuseleko lomnatha, unokufuna kwakhona ukumisela umgca we-creditreji. Ngethemba, awuyi kwenza umkhwa wokuwusebenzisa , kodwa indlela engabizi kakhulu yokusingatha iimpazamo ezithile.
03 ATM Imirhumo
Ukuba usebenzisa ii-ATM rhoqo, ufuna indlela yokuphepha ezo ntlawulo. Indlela efanelekileyo kukusebenzisa ii-ATM eziphantsi okanye ezibandakanyeka yibhanki yakho . Awuyi kuhlawula imali ye-ATM yasebhanki "yangaphandle", kwaye awuyi kuhlawula imali eyongezelelweyo kumsebenzisi we-ATM. Sebenzisa i-app yebhanki yakho yeselula ukufumana ii-ATM zamahhala.
Ukuba usebenzisa inyunithi yemboleko-nokuba yinkampani yamancinci encinci - unokufumana ukufikelela kuma-ATM akhululekileyo kunokuba ucinge. Uninzi lwemanyano yeentengo zemboleko zithatha inxaxheba kwi-branching eyabelwe Oku kukuvumela ukuba usebenzise iinkonzo zamasebe (kunye nee-ATM) kwiimanyano ezahlukeneyo zeentengo zemboleko - kungekhona nje inyunithi yakho yesikweletu. Fumana ukuba umanyano wakho weentengo zemali uyathatha inxaxheba, kwaye uqaphele apho iATM ezona zilungele.
04 Uluhlu luqhubeka
Ukudluliselwa kwefayili : ukudluliselwa kwefayili kuhle ukuthumela imali ngokukhawuleza , kodwa ayancinci. Ukuba awudingi ngokwenene ukuthumela umnxeba, fumana indlela encinci yokuthumela imali ngekhompyutha .
Imali yokuvala i-Akhawunti: iibhanki zikukhawuleza xa uvala i-akhawunti kungekudala emva kokuvula. Ukuba utshintshe ingqondo yakho ngebhanki, linda ubuncinane ezintathu ukuya ezintandathu ngaphambi kokuba uvale i-akhawunti yakho ukuphepha iimali.
Ukugqithiselwa okugqithisileyo: ezinye iakhawunti iyanciphisa inani leentengiselwano (ngokukodwa ukudluliselwa kwe-akhawunti) avunyelwe ngenyanga. Iimali zeemarike zemali, ezinikezela ezinye zeenzuzo zokubheka kunye nokugcinwa kwee-akhawunti , kunokunciphisa ukurhoxisa kathathu ngenyanga. I-akhawunti yokulondoloza, ngenxa yoMgaqo-D, unciphisa iindidi ezithile zokurhoxisa ukuya ezintandathu ngeenyanga . Ukuba uya kuchitha imali kula ma-akhawunti, cwangcisa phambili kwaye uhambise imali kwi-akhawunti yakho yokukhangela kwiindawo ezinkulu.
Izigwebo zokuthobela ukuqala: izatifikethi zediphozithi (iiCD) zihlala zihlawula iirhafu eziphezulu ngaphezu kwee-akhawunti zokulondoloza. I-tradeoff? Kufuneka uzimisele ukushiya imali yakho kwi-akhawunti ixesha elide. Ukuba ukhupha kusasa, uya kuhlawula isohlwayo . Ukuze ugcine loo mali, usethe ilayiti yeCD ukwenzela ukuba uhlale ufumana imali ephumayo okanye usebenzisa i-CD ekhutshweyo evumela ukuxhoma kwexesha elide .