Ingaba ukhangele ibhanki entsha, kuba uhamba, ungalondoloza inzala kwimboleko emitsha okanye ngenxa yokuba unenkathazo ebhankini okwangokunjalo, ingaba yinkqubo yokudlulisa ngempumelelo yonke into kwi-entsha ibhanki. Inkqubo yokuchitha ixesha kwaye kubalulekile ukuba uyenze ngokucophelela ukuze ugweme nayiphina imali okanye ukudideka. Amanyathelo alandelayo anokukunceda ukuba utshintshe ngempumelelo kwibhanki entsha.
01 Khangela iBhanki entsha kwaye uvule iiAkhawunti zakho
Xa ukhetha ibhanki yakho entsha, uya kufuna ukujonga ezininzi iinketho ezahlukeneyo. Eyona nto ibalulekileyo kufuneka ibe yimirhumo kunye nomdla ochaphazelekayo kwibhanki. Unokucinga kwakhona ngokulula kwaye kulula kangakanani ukutyelela ibhanki yakho. Kufuneka uqinisekise ukuba ibhanki yakho iyagcinwa yi-FDIC, eya kukhusela imali yakho ukuba kukho nayiphi na imiba.
02 Shintsha idilesi yakho ngqo
Emva kokuba uvula i-akhawunti yakho, kufuneka utshintshe nayiphi na idipozithi ngqo ukuba bangene kwi-akhawunti yakho entsha. Ukuba unayo nayiphi na imithombo ye-deposit ngqo kufuneka udibanise nabo ukuba batshintshe ulwazi. Kubalulekile ukubeka iliso ngenguqu, kuba ingathatha umjikelo wokuhlawula ukuba uphumelele, kuxhomekeke xa usitshintshile kwaye xa kunqunyulwa ukulungiselela indawo ekuthumela yona imali. Esi sizathu esinye sokuba ungavali i-akhawunti yakho endala kuqala.
Ngokuqhelekileyo, unokutshintsha nje ulwazi kunye neSebe lakho loLuntu. Nangona kunjalo, ukuba ufumana iintlawulo ezivela kwizinto ezifana ne-PayPal okanye enye imithombo yengeniso, kubalulekile ukukhumbula ukuba ubandakanye kubo, nangona ukuba iintlawulo zihamba ngokukhawuleza. Awuyi kukukhumbula ukwenza utshintsho ukuba kwenzeka kuphela kanye ngonyaka. Inceda ukugcina uluhlu lwamashishini ofumana idipozithi ngqo.
03 Dlulisa iiNtlawulo zakho ezizenzekelayo
Emva kokuba idiphozithi yakho ngqo ishintshiwe, kuya kufuneka utshintshe nayiphi na intlawulo ezenzekelayo ezenziwe kwi-akhawunti. Cinga ngeenkonzo zokubhalisa ezifana ne-Hulu okanye iNetflix okanye iintlawulo ngokuzenzekelayo ngezinto ezinjengobulungu bakho bokuzivocavoca okanye nayiphi na iindleko ozithintela ngokuzenzekelayo. Indlela elula yokwenza oku kukujonga kwi-bhajethi yakho okanye isofthiwe yezemali yakho kwaye uhambe uluhlu lweentlawulo zakho ukwenza nayiphi na inguqu efunekayo.
Uninzi lweenguqu unako ukwenza inthanethi. Nangona kunjalo abanye banokufuna ukuba ubize okanye ungene kwi shishini ukwenza utshintsho. Beka eceleni malunga neyure ukunyamekela oku. Njengoko wenza oku kwenza uludwe onokulusebenzisa xa ufuna ukutshintsha kwakhona. Oku kunokukusindisa ixesha elizayo kuba kunokukunceda ukuhlaziya inkqubo.
04 Cinga ngemali yakho kunye nezinye iindlela
Ezinye iibhanki zenza umyinge omncinci wenzala ukuba unentlawulo ngokuzenzekelayo ehleliwe kwi-akhawunti yakho ebhankini yakho kwimoto yakho okanye mboleko yasekhaya. Ukuba ngaba kunjalo, unokufuna ukudlulisela imali kule akhawunti nganye inyanga ukulungiselela ukuhlawulwa kwemboleko kwaye ushiye i-akhawunti yakho evulekile. Ukuze ugweme nayiphina imirhumo yenkonzo, utshintshe uhlobo lwakho lweakhawunti kumntu onobhalansi obuncinci obuncinane kwaye ushiye loo mali kwi-akhawunti.
Enye indlela ukwenza ukuthunyelwa kwi-intanethi ukufihla intlawulo okanye ungayiyeka ngomhla wokuhlawula ukuhambisa imali kwi-akhawunti endala. Unokugqiba isigqibo sokuba ukulingana akufanelekanga umzamo, kodwa kufuneka uqaphele ukuba ukuba inzala yenzalo iya kunyuka, kuya kubakho iintlawulo zakho zenyanga. Unokwazi ukwenza utshintsho oluzenzekelayo olwenza lube lula. Nangona kunjalo, kubalulekile ukuvumela ixesha elaneleyo lokutshintshela ukuhamba nokuvumela izinto ezinjengeveki neeholide zebhanki.
05 Vala iAkhawunti yakho
Ngaphambi kokuba uvale i-akhawunti yakho , kufuneka uqinisekise ukuba yonke into isuliwe. Kufuneka unqume ukubhala ukuhlola kwi-akhawunti ngokukhawuleza xa uvula entsha. Kufuneka kwakhona uqiniseke ukuba zonke iintlawulo zakho ezenzekelayo zithunyelwe. Ingathatha iinyanga ezimbini ukuqiniseka ukuba ulungele ukuvala i-akhawunti yakho. Kubalulekile ukulinda de yonke into isuswe kuba uya kufuneka uhlawule iimrhumo kubathengisi kwaye mhlawumbi ibhanki ukuba unayo izinto ezivela kwi-akhawunti yakho evaliweyo.
Ungavala i-akhawunti yakho ngokuya ebhankini kumntu kwaye ucele ukuba ibhanki ivale i-akhawunti. Uya kufumana isheke kuyo nayiphi na imali eseleyo kwi-akhawunti yakho. Enye inketho kukuba ubhale ileta e dwelisa zonke iinombolo ze-akhawunti ofuna ukuzityhila, kwaye ungathanda ukuba izilinganisi eziseleyo zithunyelwe kwidilesi yakho yasekhaya. Xa wenza oku qiniseka ukuba uvala i-akhawunti yakho ye-overdraft.