Yintoni Eyona Ngqiqo Ihlola?
Ingqwalasela evelele yitshekethi ebhaliweyo kodwa ayizange ivezwe ngenkokhelo. Umntu okanye ishishini ubhala isheke, kwaye ummkeli akakwazi ukufaka okanye ukukhangela isheke.
Ngenxa yoko, i-check is amazing-it's out there elsewhere.
Kutheni kuVavanyo oluPhambili?
Xa uhlawula ngetshekhi, umvuzo wakho ufuna ukufaka okanye ukukhangela isheke ukuqokelela intlawulo.
Ibhanki yeebhanki iya kucela imali kwi-bhanki yakho, kwaye ukuthengiselana kuzalisekile xa ibhanki yakho ithumela imali kwibhanki leentlawulo (okanye uthumela imali kwi-akhawunti yomvuzo, ukuba zombini usebenzisa ibhanki elifanayo okanye inkontileka yekhredithi).
Ukuba ummkeli wetshekethi akaze enze nantoni na-okanye ukuba isheke lilahleka okanye litshabalalise-imali ihlala kwiakhawunti yomhloli. Nangona oko kubonakala ngathi kuyinto enhle kumhloli wokuhlola, kuvela iingxaki ezininzi.
Ibhalansi yeakhawunti: Ukuba ubhala isheke kwaye imali ingashiyi iakhawunti yakho, ekugqibeleni unokucinga ukuba unokuchitha loo mali. Kodwa imali yowomnye umntu. Ukuba bayifaka isheke xa ungalindelanga, uya kugqiba ngemali encinci kunokuba ucinge, mhlawumbi ungadlulanga i-akhawunti yakho kwaye uhlawule iireki .
Iimpahla ezingabonwayo: Amashishini kufuneka alandelele izinto ezigqityiweyo ukuphepha ukuphula imithetho yepropati engalawulwayo. Ukuba iintlawulo kubasebenzi okanye abathengisi ziyahamba zingagqitywanga, ekugqibeleni kufuneka ziguqule ezo zixhobo kwilizwe. Uninzi lwamazwe ludinga ukuba amashishini enze njalo emva kweminyaka embalwa, kodwa jonga ngabalawuli beendawo ukuze uthole iinkcukacha kwimeko yakho.
Iingxelo zezoshishino: Amashishini kufuneka alandele umvuzo, iindleko kunye neengxelo ezihlawulwayo. Xa iintlawulo zihlala zibala, izinto ziba nzima kakhulu. Intlawulo iya kwi-ledger jikelele, kodwa amashishini kufuneka enze uhlengahlengiso ngexesha lokuxolelana , kwaye kufuneka bafune ukuphinda bahlolisise i-stale checks. Ukuba amashishini awawusombululi kakuhle imeko, aphula umthetho.
Yintoni enokuyenza NgamaTye aPhambili
Qinisekisa malunga nokuhlola okuvelele kwaye wenze izinto zicime ngokukhawuleza. Musa ukucinga ukuba yinto yakho inhlanhla kwaye ukuba usebenzise imali ngezinye iinjongo. Usenayo imali, kwaye kuya kufuneka uhlawule ngokukhawuleza okanye kamva-nokuba uya kwi-payee ejoliswe kuyo okanye kwilizwe. Sebenzisa inkqubo yenkcazo eyancitshiswayo nayiphi na iitsheki ezingabonakaliyo kwiimali zakho ezikhoyo.
Ifowuni okanye ubhale: Ukuba uqaphela ukuba isheke asifakwanga, qha ga mshelana. Ifowuni elula okanye i-imeyile ifanele-jonga ukuba uqinisekise ukuba bafumene inkokhelo kwaye babuze ukuba baya kufaka isheke. Ukuba oko akusebenzi, kuyilungileyo ukuba uthumele ileta ukuba ubaxelele ukuba isheke asikwenziwanga, kwaye kufuneka bakuxelele ukuba abazange bafumane intlawulo.
Ukuba ufuna i-template, sebenzisa i- Letter yesampula yeeKhenketho eziPhambili .
Gcina iirekhodi: Gcina nayiphi na unxibelelwano oyithumelayo okanye owalufumanayo malunga nohlolo oluthile. Unokufuna ukubonisa ubungqina bombutho owenza imizamo efanelekileyo yokugqiba inkokhelo, kodwa umvuzo awuzange asebenzisane, okanye kwakungenakwenzeka ukuqhagamshelana nomvuzo.
Ukuhlawulwa kwebhilikhi ye-intanethi: Njengomntu ngamnye, unokunciphisa i-akhawunti "yokumangalisa" kwi-akhawunti yakho ngokubasebenzisa ukuhlawula i-intanethi kunokuba ubhale ukuhlola: Ibhanki idonsa imali kwi-akhawunti yakho yokukhangela xa isheke liprintwe. Kodwa imali iya kubuyiselwa kwi-akhawunti yakho ukuba umntu ongenayo uyaphumelela ukufaka isheke kwisithuba esithile (ngokuqhelekileyo ezintandathu okanye ngaphantsi).
Ngaba kufuneka ubhale omnye uhlole?
Emva kokuthetha nomfaki wakho, banokucela ukuba uthumele esinye isheke, esiza ku thembisa ukuba sizenze ngokukhawuleza.
Ngaphambi kokuba wenze njalo, bacele ukuba babuyisele isheke elidala, ukuba kunokwenzeka. Oku kuphelisa ukuba mhlawumbi baya kuthi (ngokuzithandela okanye ngokungaziwayo) bathathe iincwadi zokuhlola.
Kungadingeka ukuba kukhuphe isheke elitsha ngaphandle kokuba uhlolisise. Ingheke ingase iphele ngenxa yeso sizathu, kwaye umvuzo wakho ufuna entsha. Oku kukubeka kwimeko ekhohlakeleyo kuba uya kuba neentlola ezimbini ukufumana enye intlawulo. Ukuba isheke elidala lifakwa, ibhanki yakho inokuhlonela isheke, kwaye ugqiba ukuhlawula kabini. Amabhanki ngokuqhelekileyo akayi kuhlonipha iireki ezibhalwe ngaphezu kweenyanga ezintandathu ezedlulileyo , kodwa kwenzeka ngokukhawuleza ukuba ufanele uqaphele (nangona ushicilela "Uvale emva kweentsuku ezingama-90" okanye into efanayo ehlolisweni lakho).
Izicwangciso ezimbini zingakukhusela:
Yeka intlawulo: Ukuba inani likhulu ngokwaneleyo ukuze kubangele iingxaki (okanye ukuba ungamthembi umvuzo), cinga ukucela ibhanki yakho "ukuyeka ukuhlawula" kwisheke elidala. Le ndlela ayilungile, kodwa inokukunceda ukukhusela. Yeka izicelo zokuhlawula iindleko zemali, kwaye zihlala zinyanga ezintandathu kuphela, ngoko ke kufuneka ufune ukuphinda le nkqubo maxesha amaninzi.
Fumana isivumelwano: Cela umvuzo ukuba asayine idokethi ethembisa ukuba angayifaki kokutshekisha kokubini (iisampula ileta edibaniswe ngasentla iqule le lwimi). Oku akuyi kuthintela umvuzo kwi-deposit twice, kodwa yongeza isikhumbuzo kunye nomzila wephepha onokuba luncedo.
Kutheni ungahloli ukufumana iCashed?
Iitshekhi azifumani zigcinwe ngezizathu ezininzi.
- Akukho ukukhawuleza: Isizathu esilula kunokuba i-payee ayifumananga ukujonga isheke. Mhlawumbi abayidingi imali ngokukhawuleza, kwaye baxakeke benze ezinye izinto.
- Ukuwa kwiingxube: Iitshekishe zingaphinde zilahleke kwiipilisi zamaphepha okanye ziwe emva kweedesksi. Kwakhona, ukuba imali ayibalulekanga kumvuzo, ayibonakali.
- Iingxaki zokuhambisa: Ekugqibeleni, ukuhlolwa kungabuyiselwa kuwe ngeposi ukuba idilesi ye-payer ishintshile, kodwa loo nkqubo ingathatha ixesha elimangalisayo.
Iikopi ezikhishwe kuwe
Ukuba isheke sinikezelwe kuwe kwaye sisaphuma emva kweenyanga ezintandathu, qha ga mshelana nomtshini wokukhangela uze ucele indawo. Ungadinga ukubuyisela isitshixo sokuqala okanye uxwebhu lweempawu uthi isheke lilahlekile okanye litshabalalise (kwaye awuyi kuzama ukufaka iisheke zombini). Ukuba awukwazi ukufumana umkhupheli, khangela ngeprogram yakho yepropati elahliwe yokubamba iimpahla.