Imali oyifakayo kwi-akhawunti yokukhangela ngokuqhelekileyo ayiyi kuhlala khona ixesha elide, kuba iindawo zakho zokuchitha kwansuku zonke, iindleko kunye nezinye izikweletu ezenzekayo.
Ziziphi iindawo ezahlukileyo phakathi kwe-Akhawunti yokuThengisa kunye ne-Savings?
Iingxelo ezininzi zokujonga akukho mithetho malunga nenani lokuthengiselana onokulugqiba inyanga nganye, ngelixa i-akhawunti yokulondoloza inganciphisa inani lokurhoxisa ongayenza kwi-ATM okanye kumntu. Kukho nemida kwimali yokudluliselwa kwakho evunyelwe ukusindisa ukujonga ii-akhawunti.
Ngokuqhelekileyo, awukwazi ukwenza iintlawulo ngokukhawuleza kwi-akhawunti yokulondoloza, ngenxa yomthetho wesigqeba obizwa ngokuba nguMgaqo-D owenza umda othile wokurhoxisa .
Kulula ukuchitha imali kwi-akhawunti yakho yokujonga ngokuthatha imali ngaphandle kwe-ATM, ukubhala isheke, usebenzisa ikhadi lakho lokubambisa, okanye ukuhlawula into ethile ngekhompyutha. Ngoko ukuba ufuna i-akhawunti yakho yemali yokuchitha imali, i-akhawunti yokukhangela ibhetri yakho ibhetele.
Ukukhetha i-Akhawunti yokuhlola eyiyo
Uya kufumana ukuba iibhanki ezininzi zinikela ezininzi iindlela zokujonga i-akhawunti. Kufuneka uqwalasele ngokucophelela iimpawu ozifunayo xa ukhetha i-akhawunti yakho yokujonga.
Nika ingqwalasela ngokukodwa kwiimfuno zokulinganisela ibhalansi , kwaye ukhethe ukuba unokuyigcina. Awufuni ukuphelisa ibhalansi encinci ongeke uyigcine kwaye ugqibe ukuhlawula imali yasebhanki inyanga nganye.
Ezinye i-akhawunti zikhawuleza inani lokuhlola okanye ukutsalwa kwemali ongayenza inyanga. Abanye banqamle inani lokuthengiswa kweerhafu. Kufuneka uqaphele le miqathango uze uqiniseke ukuba basebenza ngesitayela sakho sokuchitha. Ukuba iinombolo zibonakala zingqongqo, cinga ukuhambisa i-akhawunti yakho kwenye indawo.
Ukongezelela, kufuneka uqwalasele intlawulo yenkonzo yenyanga kunye neerhafu ze-overdraft nganye kwi-akhawunti. Iimanyano zetyala zihlala zibonelela ngemali ephantsi. Kwakhona ugcine engqondweni ukuba ezininzi iibhanki zihlawulwa ngemali yenyanga ngenkonzo ukuba udibanise ngokuzenzekelayo okanye uhlangabezane nenani elincinci lokuthengiswa kwenyanga . Nangona kunjalo, i-akhawunti yokukhangela i-akhawunti ayikho imali.
Ukuvula i-akhawunti yokuhlola
Emva kokuba ufumene i-akhawunti yokukhangela ehlangabezana neemfuno zakho, inyathelo elilandelayo kukuvula i-akhawunti. Xa uya ebhanki ukuvula i-akhawunti yakho yokutshekisha entsha, kuya kufuneka unikezele inombolo yakho yokhuseleko loluntu kunye nendlela efanelekileyo yokuchonga.
Uninzi lweebhanki aluyi kuvulwa i-akhawunti yokutshekisha encinci, ngoko ke uneminyaka engaphantsi kwe-18 ubudala, uya kufuna umnxibelelwano kwi-akhawunti. Xa uvula i- akhawunti yokutshekisha ibhanki iya kuqhuba i- credit check background . Ukuba unikwe ingxelo kwiChexSystems okanye inkampani efanayo nawe awuvunyelwe ukuvula i-akhawunti de uze ucacise loo nto, njengoko ibhanki ingakubeka ingozi ekulahlekelweni imali kuwe.
( Ayikwazi ukuvula i-akhawunti yokutshekisha? Unayo enye indlela.)
Ukusebenzisa i-akhawunti yokuhlola
Xa uqala ukuvula i-akhawunti yakho yokukhangela uza kuyidinga ukugcina ibhalansi ukuze ulandele umlinganiselo onayo kwi-akhawunti yakho. Oku kuya kukuthintela kwi-akhawunti yakho ye-overdrawing. Khumbula, ibhalansi oyifumanayo kwi-ATM okanye ubone i-intanethi ingabi yinto yakutshanje, kuba akuyiyo yonke into eya kususa i-akhawunti yakho okwamanje. Kungenxa yoko kubalulekile ukuba ulandelele ukuthengiselana kwakho. Ukuba awuyilo ipenethi kunye nohlobo lomntu, uhlahlo lwabiwo-mali kunye nenkqubo yemali kunokukunceda wenze oku.
Ukongezelela, kubaluleke kakhulu ukulinganisela i-akhawunti nganye ngenyanga, njengoko oku kukukunceda ukuba ubambe naziphi na iimpazamo ozenzileyo okanye ebhanki ezifana nepositi kwiintlawulo ezingalunganga okanye ukuthengiswa okungagunyaziswanga .
Khumbula ukuba ngamanye amaxesha, imali yakho ayinakufumaneka ngokukhawuleza , kubalulekile ukuqonda inqubomgomo yebhanki yakho malunga nokwenza idizithi zakho zifumaneke.
Qonda i-Options yakho ye-Overdraft
Kufuneka ufumane kwakhona ngokukhuselwa kwe- overdraft ukuba ibhanki yakho inokunikela. Ezinye iibhanki okanye iimanyano zeentengo zemali ziya kukuvumela ukuba udibanise enye i-akhawunti kwiimali kwaye uza kudlulisela imali phezu kwakho ukukugubungela xa ungena kumbi. Ezinye iibhanki ziya kudibanisa umgca wekhredithi kwi-akhawunti yakho yokutshekisha kwaye uza kudlulisela imali kwi-akhawunti yakho ukukugubungela. Abanye baya kukuvumela ukuba uhlawulwe ngaphaya komda othile uze uqale ukubuyela .
Ukuba ulungele ukudlulisa imali kwi-akhawunti yakho, kufuneka ufundise kwi-bestdraft yokukhusela okukhutshwa yibhanki yakho kunye neentlawulo ezihamba nazo.
Ukukhusela Imali Yakho
I-akhawunti yokukhangela iqinisekisiwe yi- FDIC ukuya kuma-250,000. Nangona kunjalo, ukuba unayo imali eninzi , mhlawumbi ungcono ukubeka uninzi kwi-akhawunti yokulondoloza okanye olunye uhlobo lwesityalo-mali.
I-akhawunti yakho yokutshekisha imele iqulethe kuphela imali efunekayo kwimicimbi yakho yansuku zonke ngenyanga. Nangona ezinye iibhanki zinikezela ngeengxelo zokujonga i-akhawunti, iirhafu zihlala ziphantsi kune- akhawunti yokulondoloza . Kwakhona, ukuba i-checkbook yakho okanye ikhadi lokutsalwa libiwe, kubalulekile ukuyibika ngokukhawuleza. Ibhanki inokubeka iintlawulo ze-stop kwi-akhawunti yakho kwaye ikuthintele ukuba ungaphumeleli imali eninzi.
Ukuhlaziywa nguRachel Morgan Cautero.