Unokugqiba ukubeka i-paycheck kunye nayo yonke into efaka i-balancedraft yakho kunye nemirhumo. Nazi izinto ezintlanu omele uyenze ukulungisa imeko.
Yeka ukusebenzisa i-Akhawunti
Kufuneka uyeke ukusebenzisa i-akhawunti yakho yokutshekisha uze uhlele yonke into. Ukuhlawula imali yakho yokuhlawula esikhundleni sokuyibeka. Ukuba ubeka idiphozithi ngqo, unokuqwalasela ukutshintsha loo nomqeshi wakho. Kufuneka ube nemali yokukhawuleza iindleko zakho zenyanga, kodwa ezi zinto zifanele zibe zezidingo zakho ezisisiseko uze uzise i-akhawunti ibe yinto efanelekileyo. Ukuba ubeka idiphozithi ngqo, kunokuba nzima kakhulu ukubuyisela ukususela ekubeni ibhanki iyaqhubeka isetyenziselwa ukukhupha i-overdraft yakho engafanelekanga kunye nezinye iimali. Enye inketho kukutshintsha idipozithi yakho ngqo kwi-akhawunti, kodwa iibhanki aziyi kukuvumela ukuba uvule i-akhawunti entsha ukuba unayo i-akhawunti okwangoku i-redrawn.
- Yeka zonke iintlawulo ezizenzekelayo kwi-akhawunti.
- Cinga ukubeka ukubhalisa kwakho.
- Olunye ubulungu be-gym luya kukuvumela ukuba unqumle ubulungu bakho kwinyanga okanye ezimbini. Xhumana nawe ukuze ubone ukuba oko kwenzeka.
Ukulinganisela iAkhawunti yakho
Kufuneka ulinganise iakhawunti yakho kunye neli bhanki elikuhlawule ngalo. Oku kuya kukunika ingcamango yokuba ufuna kangakanani ukuguqula imeko.
Kufuneka udibanise kuyo nayiphi na imali ebuyisiweyo yokukhangela ukuba unokuhlawulwa. Indlela elula yokujonga oku kukungena kwi-akhawunti yakho kwi-intanethi. Nangona kunjalo, usenokuthetha ne-ejenti yeenkonzo zabathengi kwifowuni okanye kumntu ebhankini yakho. Ukuba awunakulinganisa rhoqo i-akhawunti yakho, ungagqiba enkingeni. Qala ngokurekhoda iintengiso ozenzayo ngalunye suku kwaye umakisha xa zicima i-akhawunti yakho. Kufuneka ukuba ube ngaphezu kokutshekisha ibhalansi yakho ngosuku ngalunye.
- Unokudinga ukubuyela emva kweenyanga eziliqela ukubona apho iphutha lokuqala lenziwe khona.
- Oku kungenza ikhefu ngokukhawuleza kwaye iifowuni ze-overdraft ziphakathi kwe-$ 20.00 kunye ne-20.00 yee-akhawunti.
- Qinisekisa ukuba ufuna kangakanani ukubuyisela iakhawunti yakho kwi-positi ngokukhawuleza.
Faka i-Akhawunti Yakho Ukulinganisela Okulungileyo Njengoko Kungekudala Kunokwenzeka
Yenza i-akhawunti yakho ibe yinto efanelekileyo. Ukuba usebenzisa imali ukuhlawula ukuthenga kwakho okwangoku kufuneka ubeke enye kwi- akhawunti yakho yokujonga nganye ixesha lokuhlawula. Unokufuna ukuthetha nommeli wakho wesevisi. Uninzi lweebhanki luya kukhupha i-overdraft yokuqala okanye buyisele intlawulo yesheke xa ubabuza kakuhle. Musa ukufuna ukuba iguqulwe, ekubeni wenze iphutha xa unesiqhelo unokuthi ungenalo inhlanhla.
Ummeli wenkonzo yabathengi angaphantsi koxanduva lokubuyisela imali.
- Kwiimeko apho eli lixesha lokuqala lenzekile, akuze kuphazamise ukucela ukuba ezinye iintlawulo zixolelwe. Oku kunokwenza kube lula ukufumana kwakhona, kuba unokujongana nemirhumo kwiivenkile okanye nakwamanye amashishini.
- Ibhanki yakho inokuhlawula umrhumo wemihla ngemihla uyayikhipha imali, ukuba uhleli kwisicwangciso sokuhlawula imali, inokulungele ukuhlawula imali. Kuya kufuneka ucele.
- Ukuba kunokwenzeka, unokucinga ngokuboleka imali kumntu ukuzisa i-akhawunti yakho ngokukhawuleza ngokukhawuleza.
Thetha kwiBhanki Yakho
Ukuba inani lakho elibi likhulu kakhulu, kwaye ungacingi ukuba uya kukwazi ukungenisa kwi-iveki ezayo, kuya kufuneka uthethe nebhanki yakho kwaye usethe isicwangciso esiza kukuvumela ukulungisa ingxaki ngaphandle kuxelwa kwi- ChexSystems .
Ibhanki yakho inokuvumela ukuba wenze iintlawulo kwiiveki ezimbalwa ukuze ukwazi ukulungisa i-akhawunti ngelixa ukwazi ukuhlangabezana nezinye izibophelelo. Ukuba bavala i-akhawunti baya kukunika ingxelo kwi-ChexSystems kwaye awukwazi ukuvula i-akhawunti kwenye ibhanki. Kubalulekile ukuba uyihlawule ngokukhawuleza kunokwenzeka.
- Ibhanki inokusekwa isicwangciso sokuba uhlawule imali emva okanye angavala i-akhawunti yakho. Ngayiphi na indlela uya kuhlawula imali.
- Ukunxibelelana nebhanki yakho yindlela efanelekileyo yokujongana nale ngxaki kwaye ufumane izicwangciso ezinokwenzeka.
Qhubeka Ubeka I-Akhawunti Yakho
Emva kokuba usususile yonke into, unokuqhubeka nokusebenzisa i-akhawunti efanayo, kodwa kubalulekile ukugcina i-driver ehambayo ukukhusela oku kungenzeki kwakhona. Kulula ukuba uhlole i-akhawunti yakho imihla ngemihla ukuze ubone oko kususwe kwaye oko kungenako, ngokukodwa ngebhanki yeselula. Kwakhona kwenza kube lula ukubamba iimpazamo ezenziwe yibhanki okanye ukuhlawula ukuba ulibale ukungena kwi-ledger yakho okanye isofthiwe. Awukwazi ukujonga nje ibhalansi oyifumaneka kwi-intanethi okanye kwi-ATM kwaye ucinge ukuba ibhalansi echanekileyo , kuba akukho konke ukuhlola kwakho okanye ukuthengiselana kwekhadi lakho lokucima, mhlawumbi ukuba ufuna ukugcina ibhalansi.