Iimali zemali zikhuselekileyo kunokuba zihlawulwe ngeposi: Unokuzilandelela okanye uzikhansele, kwaye "zenziwa" kummkeli othile-ngoko imali elahlekileyo okanye eyebiwe ingxaki kunokuba ilahlekelwe yimali.
Abathengisi (okanye nabani na ohlawulayo) banokukhetha ukufumana i-oda. Xa bengenayo i-fakes, iilawutyala zemali zihlobo lwe "intlawulo" ehlawulwa. Ngaphezu koko, ababizi imali kakhulu kubafumana umvuzo kumakhadi-mboleko, kwaye banokukhetha nokuba bhetele kuneentlawulo zokusebenza kwezinye iimeko.
Ukufumana ulwazi oluthe ngqo, khangela Imigaqo Yemali Yasebenza .
Indlela yokusebenzisa iMyalelo yeMali
Ukuba uqhelana nokubhala isheke, ukuzalisa umyalelo wemali kufana . Kufuneka ufumane imali yokuqala kuqala. Ukuba oku kusemitsha kuwe, siya kuphula phantsi isinyathelo ngesinyathelo. Ekugqibeleni, siya kujonga indlela yokufaka okanye ukuhlawulisa imali efunyenweyo.
1. Thenga i-Money Order
Intlawulo: Isinyathelo sokuqala kukuthenga umyalelo wemali malunga nemali oyifunayo. Umzekelo, ukuba ufuna ukuhlawula umntu ongu-100, uza kufuneka ufumane umyalelo weemali okhishwe i-$ 100. Ngokuqhelekileyo kufuneka uhlawule iilawutyala zemali ngekheshi, ikhadi lokukhwabanisa, okanye ikhadi lekhredithi.
Yilungiselele ukufihla intlawulo yakho kunye neentlawulo.
Apho ukuthenga khona: Unokhetho oluninzi . Ukutya kunye neendleko ziza kuba zifuna ukuba uthenge phi. Amabhanki kunye neemanyano zemboleko zihlala zihlawula i-$ 5 ukuya kwi-10 ngemali ye-oda, kodwa abanye abathengisi bahlala behlawula i-$ 1.
Iindawo zokuthenga ziquka:
- Ukufumana ukutya
- Izitolo zokutya (i-Desk Service Customer)
- IiNkonzo zeposi zaseMelika
- Pharmacies
- Hlola ukuthenga imali kunye nokuthengisa imali
- Amabhanki kunye neemanyano zematyala
Imirhumo: Ngaphandle kweebhanki, ezininzi iindawo zihlawulisa idoli enye ngemali yemali ukuya kuma-$ 1,000. Iimali zemali zinemiqathango emininzi (ngokuqhelekileyo i-$ 1,000), ngoko kuya kufuneka ukuba uthenge ii-oda ezininzi zemali ukuba uhlawula ngaphezulu kwe-$ 1,000. Xa kuthengwa okukhulu, isheke se-cashashi ingaba yindlela engcono.
Gcina irisidi yakho: Gcinana naziphi na izixhobo zokuqinisekisa ozifumanayo kunye nomyalelo wakho wemali. Ukuba ilahleka, unokuyilandela ukuze ufumane ukuba umntu uphahla okanye ubeke umyalelo weemali. Ukuba akupheli, kulula ukuyikhansela kwaye ufumane enye ibuyiswe kwakhona xa ufumane irhafu yakho.
2. Gcwalisa
Isixa somyalelo wakho wemali siya kuprintwa kwiphepha xa uthenge. Nangona kunjalo, kuyakufuneka unikezele ngolwazi olongezelelweyo kwaye usayine umyalelo wemali xa ugqibe.
Ulwazi lweentlawulo: Bhala igama lomntu okanye ishishini olihlawulayo kuloo ndawo ethi "Bhatala umyalelo" (okanye into efanayo). Buza ummkeli ukuba awuqinisekanga ukuba yiliphi igama lokubhala apha.
Iile dilesi: Ezinye i-oda zeemali zicela idilesi yommkeli (kwaye banokucela idilesi yakho kunye). Olu lwazi lunceda ukuqinisekisa ukuba umyalelo wemali ufumana kummkeli kwaye wenza lula ukulandelela.
Nangona kunjalo, oku akuyona inxalenye ebaluleke kakhulu yomyalelo weemali, kwaye ummkeli wakho akanakukhathalela ukuba usebenzisa iilesi zangempela.
Imemo: Iimali zemali zibonelela indawo ebizwa ngokuthi "Memo" okanye "Re:" ukwenzela iinkcukacha ezongezelelweyo malunga nentlawulo yakho (inombolo yakho ye-akhawunti okanye ukuqinisekiswa komyalelo, umzekelo). Ukuba awukwazi ukuyifumana loo ndawo, ungabhala nantoni na efunekayo kuyo nayiphi na icandelo elingenanto phambi komyalelo weemali. Inqaku elinyamekayo kwi-oda lemali linokuyenza inkohliso.
Isayinitsha: Isayinwa yakho iyadingeka ngaphantsi komyalelo wemali. Yibhale nje igama lakho ngaphambili (kungekhona ngasemva) koxwebhu. Le ndawo ingabhalwa ngegama elithi "Isayinwa," "Umthengi," okanye "I-Drawer." Ukuze uthole iinkcukacha ezingaphezulu, funda njani Ukuzalisa iMyalelo weMali .
3. Yenza Intlawulo yakho
Emva kokuba umyalelo wakho wemali uzaliswe, lixesha lokuhlawula. Ngokungafani nemali, kukhuselekile ukuthumela i-oda yemali-qiniseka ukuba ugcina ikopi yerisidi yakho.
Iimali zemali nazo zincedo kumntu-ntlawulo.
Ukuhlawula okanye ukuLawula iMyalelo yeMali
Ukuba ufumana umyalelo wemali, ungayifaka okanye uyifake imali njengetshekhi. Into elula ukuyenza mhlawumbi ukuyibeka into ebhankini yakho.
Yenza idiphozithi: Vumelanisa umva uze uthathe umyalelo wezimali kwi-ofisi okanye kwi-ATM. Idiphozithi yefowuni inokuba yinto ekhethwa ngayo, kodwa ezinye iibhanki ziyakwenqabela idiphozithi zemali zeemali. Iimali kufuneka zifumaneke kwiintsuku ezimbalwa, kwaye ungayichitha imali ngaphandle kweakhawunti yakho yokujonga.
Fumana imali: Ungakhokhisa i-oda yemali ukuba ufuna imali ngokukhawuleza. Nangona kunjalo, ibhanki yakho (okanye nayiphina ibhanki) ingenakukunika imali epheleleyo ngokukhawuleza . Ukuba ufuna isixa-mali sonke, kufuneka uhambe kumkhupheli weemali (idesksi yeNtshona Union, indawo ye-MoneyGram, okanye i-Post Office yase-US, umzekelo). Nangona u tyelela umkhupheli, loo ndawo ingenakuvuma okanye ayikwazi ukuhlawula imali yakho-uze ubize phambili kwaye ubuze.
Ukufumana iinkcukacha ezingaphezulu, jonga ukuba ungayifaka njani iMali yeMali .
Eminye imiGaqo yeMali
Iimali zemali zinemivuzo yazo, kodwa ezinye izinto ezinokukhetha zingcono. Esikhundleni sokuhamba kumkhupha umyalelo weemali, ulinde kumgca, kwaye uhlawula umrhumo kuyo yonke imirhumo yemali oyifunayo, unokube ngcono xa usebenzisa i-akhawunti yebhanki . Buza umthengisi ukuba ziphi iindlela zokuhlawula ezamkelekileyo.
- Uhlolo lomntu luhlobo olufanelekileyo lokuhlawula kwiindawo ezininzi.
- Iintlawulo zekhompyutha ezizenzekelayo zilula ngakumbi kwiindleko eziqhubekayo.
- Xa kuthengwa kwexesha elinye, ikhadi lakho lokubambisa linokukhetha. Ukufumana ukhuseleko olungakumbi, sebenzisa ikhadi le-credit card- ngakumbi ukuba awuqhelani nomthengisi.
- Iintlawulo zokusebenza zingasebenzisa iintlawulo zomntu, kodwa qaphela izikhwama .