Ukuhlola iVanilla
Uhlobo oluphambili lokujonga i-akhawunti yi-akhawunti "ye-vanilla".
Yiloo nto oya kuvela kwiindawo ezininzi zeebhanki kunye neemanyano zeentengo zemali xa ungenzi nto yokuthenga. I-akhawunti ingaba yintoni kanye oyifunayo, kodwa unokufumana ukuba ithwala imali eyongezelelweyo kwaye ayikho inketho.
Iingxelo zokuhlola eziphambili zivumela ukuba ubhale amasheke, sebenzisa ikhadi lokukhwabanisa, kwaye ujonge i-akhawunti yakho kwi-intanethi. Nangona kunjalo, ezi ntlobo zee-akhawunti ziza ziza neentlawulo. Umzekelo, ukuba ibhalansi yakho iphantsi, uhlawula intlawulo. Ngamanye amaxesha ukulungelelanisa ukuhlawulwa kwentlawulo (xa ubhalisela idiphozithi ngqo ngqo nomqeshi wakho, unokuthi ukhuphe imali), kodwa ngamanye amaxesha awufuni ukuzinikela okukhulu kwibhanki ongaziqhelanga. Ngaphambi kokuba uvule i-akhawunti yokujonga "eyisiseko", fu manisa ukuba uza kuhlawula ntoni na oko ungena khona.
Ukuhlola ngokukhululekileyo
Ukukhangela kwamahhala akufi. Amabhanki kunye neemanyano zemali zinikela ngokukhawuleza ukujonga i-akhawunti njengendlela yokudityanisela ishishini. Ngelishwa, kunzima ukufumana ezi akhawunti.
Ukuba i-akhawunti engena-ntlawulo yinto ebaluleke kakhulu kuwe, jonga kwiibhanki ezincinci kunye neemanyano zemali kunye neebhanki ze-intanethi.
Kwiimeko ezininzi, ii-akhawunti ezikhululekile nazo zonke iintsimbi kunye nezikhwelo zeentlobo ezibiza kakhulu zee-akhawunti. Ungacingi ukuba uhlala ufumana oko uhlawulayo. Njengamaxesha onke, thelekisa iimpawu phakathi kweebhanki ezikhuphisanayo, kwaye ukhethe lowo unikeza into oyifunayo.
Ukuba nje ufuna indawo ukuze uhlawule imali yakho kwaye usebenzise intlawulo ye-bill ye-intanethi, ungayifumana mahhala.
I-Intanethi kuphela Ukuhlola iiAkhawunti
Iingxelo ze-Intanethi kuphela zikhoyo (akumangalisi) kwiibhanki ze-intanethi. Kodwa iibhanki zetena nezomhlaba zinika i-akhawunti kuphela. Ezi ngxelo zidinga ukuba ukhululekile ukuphatha iimali zakho kwi-intanethi kunye nefowuni. Uya kufuneka ube ngumsebenzi ekuzaliseni iifom kwi-intanethi, kwaye ukhangele yonke into yokuchaneka (kulula ukuthumela imali kwi-akhawunti engafanelekanga kwaye ureferende i-akhawunti yakho).
Ungongeza okanye uhoxise imali kwi-akhawunti yokujonga i-intanethi kuphela? Ukuba ufuna ukufaka idipozithi, unokumisela idipozithi ngqo kunye nomqeshi wakho, kwaye unokuthumela i-imeyile ukuhlola kwiibhanki yakho ye-intanethi. Ezinye iibhanki zikwavumela ukuba ubeke iisheke ngokuthatha isithunzi kunye nesiselula sakho okanye ikhompyutha . Ukuba usebenzisa iibhanki zetena kunye ne-mortar, unakho ukhetho olongezelelweyo (njenge-ATM), kodwa uya kufuneka ukhokhe umrhumo xa usebenzisa i-teller. Ekugqibeleni, ungadlulisela imali kwii-akhawunti zebhanki usebenzisa i-transfert ye-wire, okanye ngokumisela ikhonkco phakathi kwe-akhawunti yebhanki.
Ukuchitha okanye ukurhoxisa imali nakho kulula. Sebenzisa indlela yokuhlawula ibhanki kwi-intanethi ukuhlawula iindleko okanye uzibhale isheke.
Ukuba udinga imali ngokukhawuleza, amaninzi amabhanki anika i-debit okanye i-ATM khadi ongayisebenzisa kuyo nayiphi na i-ATM. Usenokukwazi ukusebenzisa ikhadi lakho ukuthenga kwiivenkile zokuthengisa kunye neevenkile.
UkuThengisa okuPhezulu Ukujonga iiAkhawunti
Kwiminyaka yakutshanje, uhlobo olutsha lwe-akhawunti yokukhangela luye lwavela lubeka inzala kwimali yakho. Ezi ngxelo zibhekiswa njengentshisekelo yokutshekisha, ukuhlola okuphezulu, okanye okufanayo. Zihlala zifumaneka kwiibhanki ze-intanethi, kodwa iindawo ezimbalwa zezitena kunye nezidaka zinika zona. Ezi ngxelo ngokuqhelekileyo aziyi kuhlawula kakhulu, kodwa nantoni na ilungile kunanto-kwaye ezininzi iikopi zihlawula nto. Njengoko uthengela la ma-akhawunti, qiniseka ukuba uqaphele nayiphi na imingcipheko (njengokuthi kaninzi kangakanani uvumelekile ukuba ubhale amasheke, kunye neemfuneko zamanani edoli kunoma ziphi iitsheki ozibhalayo).
Ukuba uthanda ingcamango yokufumana umdla kunye nokubhala, ukhangele i- akhawunti yemarike yemali .
Ezi ngxelo azikhangeleli iakhawunti, kodwa zivumela ukubhalwa kwekhawunta elincinci kwaye lize lifike nekhadi lokutsalwa. Zikulungele iindleko ezinkulu, ezingapheliyo okanye ukugcinwa ngongxamiseko.
Ukuhlawula ama-Akhawunti
Umvuzo wokujonga i-akhawunti ihlawule ngakumbi ngemali yakho ngaphandle kwe-interest checking accounts. Ngoko, kutheni ungahambi ngakumbi kwaye usebenzise umvuzo ukujonga i-akhawunti? Ngelishwa, kufuneka 'ufaneleke' kwizinga eliphakamileyo elihlawulwe kwiakhawunti yomvuzo, kwaye kunokuba kunzima ukwenza njalo. Ukuze ufaneleke, kufuneka ngokubanzi udibanise kwiihitshi ezithile. Ukongezelela, umvuzo wokujonga i-akhawunti ubeka umda wokuba ungakanani kwi-akhawunti yakho (nangona elo nani lihlala likhulu kunokuba abantu abaninzi baqhubeka bejonga). Ukuze ufumane indlela abasebenza ngayo, funda ngokubanzi malunga nomvuzo wokuhlola i-akhawunti .