Yintoni eyenzekayo xa ubhala i-Check Check
Ukuba ufumene ithenki yerabha, khangela indlela yoKhuseleko lokuSebenza .
Uya kufumanisa oko kubangela ingxaki, indlela yokuyicombulula ngayo, nendlela yokukhusela ngayo kwikamva.
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Ikhonkco elibi likhangela ukuba ibhanki yakho ayihlawuli. Xa ubhala isheke, umvuzo (umntu, ishishini, okanye intlangano ohlawulayo) uya kufaka isheke kwi-akhawunti yabo yebhanki okanye uzame ukuyifumana. Ingotshe iya kuthunyelwa kwibhanki yakho - mhlawumbi ngokukhawuleza ukuba iya guqulwa kwisheke-khompyutha- kwaye ibhanki yakho iya kuhlola ukuze ubone ukuba unayo imali ekhoyo kwi-akhawunti yakho.
Ukuba awunayo imali ekhoyo , ubhale isheke elibi. Ngamanye amaxesha oku kungenjongo: uyazi ukuba awunayo imali, kodwa ubhala isheke njalo (yintoni imbono embi). Kwezinye iimeko, yingozi (ucinga ukuba unayo imali):
- Intlawulo okulindelwe (njengentlawulo ecacileyo esuka emsebenzini wakho) ayizange ifake i-akhawunti yakho
- Idiphozithi okanye intlawulo ayifakwanga kwi-akhawunti yakho
- Ukusebenzisa ikhadi lakho lokubambisa lidale ibambe kwi-akhawunti yakho (ngaphezulu kweyona nto uyenzile)
- Omnye ufake isheke owake wabhala esidlulileyo kodwa wayibala
Enoba kwenzeka ngenjongo okanye ngengozi, iziphumo zifana ngokufanayo (kuthathwa ukuba awukwenzi umkhwa kuwo). Ngoko, kwenzekani ukuba ubhale isheke elibi?
Imirhumo kunye neendleko
Ukuhlola okubi kungakubiza imali ongenayo.
Uphantse uhlawule umrhumo kwi-shishini osibhale isheke (ngokuqhelekileyo ujikeleze i-$ 25). Ukongezelela, elo shishini linokungavumi ukuthatha iitshekhi zakho ziya phambili. Ibhankini yakho ihlawulisa iirhafu ngokuhlola okubi. Baya kubuyisela isheke kwi-shishini elingenakuhlawuliswa, kwaye banokukuhlawula ngemali yokukhangela i-bounced (ngokuphindaphindiweyo malunga ne-$ 35 okanye njalo).
Nangona kunjalo, ibhanki yakho inokugqiba isigqibo sokuhlawula isheke njengento "enesidima" kunye nokuhlawulisa iirhafu ze-overdraft (kwakhona, ngokuphindaphindiweyo malunga ne-$ 35, okanye banokubiza ngokuba mboleko kunye nokuhlawulisa inzala). Funda kabanzi malunga neendlela zokuSebenza koKhuseleko kwe-Overdraft .
Ukuba uhlala ubala, ngoku uhlawula ubuncinane iimali ezimbini. Kukho nethuba elihle lokuba inkokhelo yakho (nokuba nayiphi na into ebhala isheke kuyo) iya kuthathwa ngokuthi "ngokukhawuleza," ngoko unokuphela ukuhlawula izigwebo ezikhawulezileyo kwakhona.
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Omnye umngcipheko kukuba uya kugcina kwisiseko sedata labantu abhala ukuhlola okubi . Amabhanki akayi kukuvumela ukuba uvule i-akhawunti yokutshekisha , kwaye abanye abathengisi abanakho ukufumana iitsheki ezivela kuwe. I-ChexSystems yinkampani enye elandela ukuhlola okubi , ngokuqhelekileyo kumaziko emali. Abathengisi basebenzise iinkonzo zokuqinisekisa iitshekethi zokufumana ukuba kufuneka bakuvumele ukubhala isheke (ngaphambi kokuba bakuvumele ukuhamba kunye nempahla).
Ngaba akukho mthethweni?
Ukubhala ukuhlola okubi kungabakhohlakele. Umbuso ngamnye unemithetho eyahlukeneyo, imida, kunye neenkqubo, kodwa kufuneka wazi ukuba unakho ukuphela entolongweni ngokubhalwa kwezinto ezimbi. Mhlawumbi akunakwenzeka ukuba uphazamise ngesohlwayo isheke okanye ezimbini, kodwa iziganeko eziphindaphindiweyo (kunye ne "biggies") zingaba yingxaki. Emva koko usenokufuneka ujongane nemirhumo yomthetho, iinkqubo zemfundo ezinyanzelisayo kunye nerekhodi eliphucukileyo.
Ukufumana iinkcukacha ezingakumbi, jonga Ndiya kuBhenqa. Ngoku kuthweni?
Iimvavanyo ezimbi zichaphazela njani i-Credit
Ukuhlola okubi akubonakalisi kwiingxelo zakho zemveli zemali . Nangona kunjalo, iinkampani ezifana ne-ChexSystems zigcina irekhodi lomsebenzi wakho webhanki.
Ukuba awunayo imbali yesikweletu esomeleleyo (ngenxa yokuba awuzange wakha ikhredithi yakho ), ababolekisi, abaqeshi, kunye nabaqhankqalazi bangajonge "i-arhente yokulinganisela i-credit-alternative" ukuba banqume ukuba okanye bangenzi ishishini nani.
Ezio-arhente zingabandakanya ulwazi malunga nokuhlola okubi, okuza kukulimaza amathuba akho.
- Funda ngakumbi: Yintoni iNgxowa-mali?
Ekugqibeleni, ishishini olobayo ukujonga kakubi ukuthumela i-akhawunti yakho kwi -arhente yokuqokelela . Ukuba le ngxelo isebenza ngemisebenzi enkulu yee-credit bureaus, izikolo zakho zemveli zemali ziya kubandezeleka.
- Funda izinto ezisisiseko: Ukusebenza kweMatyala asebenza njani
Indlela Yokuyeka Ukubhala Iimvavanyo ezimbi
Ukuba uhlawula iitsheki, thatha amanyathelo okuphepha zonke iingxaki ezibhalwe ngasentla.
Gcina umkhondo wendlela okhoyo ngayo kwi-akhawunti yakho yokujonga (kwaye ukhumbule ukuba kukho umehluko phakathi kokulinganisela kwe-akhawunti kunye ne-balance balance ). Kulula ukufumana ibhalansi yakho xa ungena kwi-intanethi okanye usebenzisa i-app kwisixhobo sakho seseli. Ukukhangela ngokukhawuleza kwe-akhawunti, imiyalezo yombhalo ingaba namandla kakhulu .
Ukulinganisela i-akhawunti yakho yokujonga ukuze ukwazi ukuba unani na ngoku, kwaye ungakanani ozayo. Kukho iindlela ezininzi zokulinganisela i-akhawunti yakho - khetha okusebenza kakuhle kuwe.
Ekugqibeleni, gcina imali encinci yemali ekhompyutheni yakho kwi-akhawunti yakho. Kuvele iimpazamo, kwaye ngamanye amaxesha i-$ 10 okanye i-$ 20 inokukunceda ukuba ugweme iifizi kunye neentloko.
Ungasebenzisa kwakhona izixhobo ezahlukeneyo zokuhlawula. Ukuba usichitha ngemali, uhlala uyazi into onokuyenza. Ngokuqinisekileyo, imali ayihlali ikhuselekile okanye isebenzayo. Amakhadi e-Debit enye enye indlela efanelekileyo yokuchitha imali kwi-akhawunti yakho yokujonga.