Yintoni eyenzekayo xa Ubhala (okanye iDispositi) ukuhlola?
Ukuba konke kuhamba kakuhle, inkqubo ihamba kakuhle, kodwa ngokuxhomekeke kwimbono yakho, ixesha lingaba yingxaki:
- Ukuba ufumene isheke, mhlawumbi ukhawuleza ukucima.
- Ukuba ubhala isheke, unokuba nethemba lokuba iintsuku ezongezelelweyo zize zifike ngemali.
I-bankistic reception okanye inyunyana yekhredithi (apho ikhonkco ifakwe okanye ikhutshwe) ithumela isheke kwiphepha okanye kwifom ye-elektroniki kwibhanki ukuba imali ihanjiswe kuyo, okanye kwindlu yokucoca ephakathi kwamabhanki amabini. Ukucinga ukuba imali iyafumaneka kwaye akukho ngxaki ngetshekhi, imali idluliselwa.
Ukucima iikopi Uyabhala
Kuthatha ixesha elingakanani itekisi yokucima emva kokuba ubhale? Akukho mpendulo enye kuba ijubane incike kwiimeko ezininzi. Ngokuqhelekileyo kuthatha iintsuku ezimbalwa ukuhlola okubhaliweyo ukutshintsha i-akhawunti yakho (de kubekho okwenzekayo, ithekethi yinto nje i-IOU), kodwa loo mgca wenkqutyana uxininisa ukususela ngoMthetho wokuThola 21 owenziwe ngo-2004.
Naliphi na ixesha ubhala isheke, kukulungele ukwenza njengokuba imali ayisekho kwi-akhawunti yakho.
Kwixesha elidlulileyo, abantu bakwenza oku ngokurekhoda zonke iintengiso kwiirejista zokutshekisha . Ukulinganisela ii-akhawunti zakho zokujonga (nokuba zikwiphepha okanye ngekhompyutheni) kusengumsebenzi omhle .
Ungasetyenziselwa ukulinda iintsuku eziliqela (okanye ngaphezulu) ukuze ubone imali yokushiya i- akhawunti yakho. Ngelo xesha, isheke libizwa ngokuba "libalaseleyo," kwaye unokuba usenokuchitha imali kwenye into (kodwa uza kuyichitha kabini, wenze ubuqhetseba, kwaye uzilungiselele iirhafu ze-overdraft).
Ukusebenzisa iifomu ezifanayo kabini ngelixa ulinde isheke ukuze kucacwe kuthiwa " ukusebenzisa inzantyambo, " kwaye kunokukhokelela kwiingxaki ezininzi .
Kuze kube nini ufanele uqinisekise ukuba imali yakho i-akhawunti yakho? Kuyinto engekho mthethweni ukubhalwa isheke owaziyo akunakukucima, ngoko unamathela ekubhaliseni xa ufumana iimali ezikhoyo . Ngokwenza oko, unokuba neentsuku ezimbalwa. Ngaba uthumela i-check, okanye uyayifaka kwi-cashashi kumthengisi omkhulu? Iirejista zokuhlola zivame ukuxhotyiswa ngeeskrini zokukhangela ezitshintsha ngokukhawuleza iphepha lakho lokukhangela kwi-check check- kwaye unokuqiniseka ukuba isheke liya kuthunyelwa kwibhanki yakho ngokukhawuleza kunokwenzeka (mhlawumbi nangaloo mini).
Nokuba unika isheke kumntu ngamnye (njengomhlobo ohlawulayo okanye umplumberhi osebenza ekhaya lakho), loo mntu unokusebenzisa isiselula ukuba afake isheke . Ngakolunye uhlangothi, kunokuhlala kunokwenzeka ukuba umntu okanye ishishini liya kukuvumela ukutshekisha ukuqokelela uthuli kwiiveki ezimbalwa ngaphambi kokuba uyithathe ebhankini ukuze uyifake. Ngelishwa, akukho ndlela yokukwazi ngokuqinisekileyo.
Ukuba ufuna umnqweno wesiseko, kukulungele ukucinga ukuba imali iya kushiya i-akhawunti yakho malunga neentsuku ezimbini emva kokuhlawula ngetshekhi, kodwa elo xesha litshintsha lula .
Ukusebenzisa iikopi ozifumanayo
Ukuba unikwe inkokhelo ngetshekhi, mhlawumbi untsy ukusebenzisa imali: unokuyidinga ngeendleko, okanye unokungabaza malunga nokuba ingekho iteksi iya kukhangela. Ngoko ufanele ulinde ixesha elingakanani?
"Kuyatholakala" akuthethi ukuba kucacwe: Xa umntu ebhala kukutshekishe, "isicacile" xa imali idluliselwe kwiakhawunti yombhalisi kwaye ungayichitha. Nangona kunjalo, akusoloko kucacisa ukuba okanye xa imali ifike. Ibhanki yakho iyakuthi ikuvumele ukuba uchithe imali kwi-checks efunyenweyo - kwaye ude uhoxise imali-phambi kokuba isheke sele sichithwe.
Kodwa unembopheleleko yoluphi uhlolisiso olufaka kuyo, ngoko kuya kufuneka uhlawule nayiphi na imali oyisebenzisayo xa isheke lihlawula emva kokuba uthathe imali.
Umthetho we-Federal (uMgaqo-nkqubo weCandelo) ufuna ukuba ibhanki yenza okungenani inxalenye yediphozithi itholakale kuwe kwiintsuku ezimbalwa.
Kwizinto ezininzi ezifana nokuhlolwa komntu siqu, i-$ 200 yokuqala iyatholakala kwimihla yomsebenzi omnye (ukuba kungekho ngokukhawuleza), kwaye intsalela iya kufumaneka iintsuku ezimbalwa. Ezinye izinto, ezifana nohlolo olukhishwe ngu rhu lumente, i- cashier's checks , kunye ne-USPS yemali yemali ivumela ukuba imali ephezulu ikhutshwe ngokukhawuleza.
Ibhankini yakho ikhululekile ukuba ibe neenkululeko ngaphezu komthetho kufuneka: ibhanki inokucinga nje ukuba nayiphi itekisi ilungile kwaye ikuvumela ukuba uhoxise imali epheleleyo ngokukhawuleza. Ekulungile, akunjalo? Kodwa ukuba loo ngqapheko iqhuba , unenkathazo. Ibhanki iya kuchitha i-akhawunti yakho ukubuyisela imali, kwaye oko kunokukhokelela kwiingxaki ezinzulu.
Kufuneka uhlale ixesha elingakanani ngaphambi kokuba uthathe isheke sele lichithwe? Ayikho impendulo ecacileyo, kodwa kuqiqile ukuba ube nolondolozo malunga nokuhlola okuqinisekileyo. Ngeentlola ezibhaliweyo kwiibhanki ezinkulu, uya kufuthi (kodwa kungekho rhoqo) ufumane kwiintsuku ezimbalwa ukuba kukho nayiphi na ingxaki. Xa ukuhlolwa kuvela kwii-akhawunti zangaphandle, izinto zingathatha ixesha elide. Ubhedu bakho obufanelekileyo kukuqhagamshelana neebhanki yakho kwaye ufumane impendulo eqinileyo malunga nesimo sesheke. Cacisa izinto ozikhathazayo, uze ubuze nokuba ngaba uthatha nayiphi na ingozi xa uchitha imali. Ukufumana iinkcukacha ezithe vetshe, funda ixesha elide lokulinda emva kokususa i-Check .
Ukwenza imali ifumaneke ngokukhawuleza kunokwenzeka, zifake zifake: sebenzisa idizithi yokude ekhoyo xa ikhona, kwaye idiphoze ihlole ikhefu kusasa ukuba yenze ixesha lokunquma lolo suku. Ibhanki yakho iya kuhlala ikuxelele ukuba idiphozithi zakho ziya kubanjwa iintsuku ezintlanu okanye kunjalo, kodwa kwiimeko ezininzi, imali iya kuza ngokukhawuleza. Ukuba oko akukhawulezi ngokwaneleyo, zama ukucela inkonzo yabathengi okanye umphathi ukuba kukho nayiphi na indlela yokukhulula ezinye zeemali (oku kunokwenzeka ukuba usebenze ukuba unomthengi oqinisekileyo ongenalo mlando wokuhlola okubi kwi-akhawunti).
Iingozi ze-"Cleared" Checks
Ukuba unokungabaza malunga nesheke "esicacisiweyo", ungayisebenzisi imali de unelisekile ukuba ibhanki yakho iqokelele imali eyidinga. Ukulinda akunakwenzeka, kodwa ukujongana nokulinganisela kwe-akhawunti akubi kakhulu.
Kucinga ukuba isheke liye lacinywa liyingozi. Ngamanye amaxesha impazamo ethembekileyo ibangele iingxaki, ngamanye amaxesha abaculi baxhamla ngokungaqondani malunga nokuhlola okucacileyo. Ukwahlukana okuqhelekileyo kubandakanya ukuhlawula umntu ngetshekhi (ngokukodwa ukutshekisha inkokhelo yekhosi okanye umyalelo weemali ) nokucela ukuba umntu olwaziyo abuyele imali ehlawulwa ngokugqithiseleyo okanye athumele imali kwi "shipper". Ixhoba lithumela imali engekho, kwaye ekugqibeleni, ibhanki ifumanisa ukuba iteksi yayimbi. Ngelishwa, iibhanki azikhuseli abathengi kule meko - ixhoba lijongene nayiphi na ilahleko kwaye iya kufuneka ibuyisele ibhanki.