Ngaba ufuna ngokwenene ukubhala isheke? Baye bahlala bekulungele iminyaka, kodwa ezi ntsuku zikho nje iindawo ezingekho kwiindawo oza kufuneka uzibhale. Ezinye iindlela ezikhuselekileyo, ezilula, ezitshintshileyo, ezingabizi. Masi sibone isizathu sokuba ufanele uzame ukubhala kwakhona isheke kwakhona.
01 Online ilula
Ukuba ufuna ukuhlawula iibhili, kutheni ubhale isheke? Ngenkqakrazo ezimbalwa ze mouse, inkokhelo yakho iya kuba kwindlela eya kumboneleli wakho wenkonzo - akukho mfuneko yokuposa.
Ukuba uyabathemba (kunye nawe ukuba ube neengxowa ezaneleyo), ungabakhokelela ukuba bakhuphe imali ngokuzenzekelayo xa kubakho umyalelo-mali.
Kuthekani ukuba uhlala eholide kwaye ukhohliwe ukuhlawula ibhilikhwe? Akukho ngxaki: ungene ngemvume kwi-akhawunti yakho, uhlawule umrhumo, kwaye uvumele ibhanki linyamekele bonke abanye.
Ukhangele ikhompyutha yakho ngoku - ingaba kuthatha ixesha elingakanani kunye nemizamo yomzimba ukuze ubhale kwaye uthumele isheke?
Iingcebiso zeBhanki ye-Intanethi:
02 Gcina Imali
Ukunciphisa amathuba okukhubaza iimali zebhanki ngokugcina iithebhu eziseduze kwi-akhawunti yakho yasebhanki.
Ukuba ubhala iphepha lokuhlola, kunzima ukuqhubeka. Ukuba unobhanki kwi-intanethi, uphezulu kwizinto zonke xa ungena ngemvume. Yonke inkcazelo oyifunayo malunga nokuhlola okuvelele kunye nomlando we-akhawunti kulungile phambi kwakho. Ibhanki yakho inokukunceda ukuba ulinganise i-akhawunti yakho yokutshekisha ngokunciphisa ibhalansi yakho 'ekhoyo' yeebhilikhi ozikhokhele kwi-intanethi - nangona ummkeli engayifaki isheke.
Ukuba ufumanisa uhlawula iirhafu ze-overdraft, cinga ukwenza ngaphezulu kwi-inthanethi (kufuneka ubukele kwakhona uhlahlo lwabiwo-mali kwaye ufumane umgca-mboleko werhafu).
Ukuthetha ngokugcina imali, kufuneka uhlawule ezo zihlole xa uziyalela, kwaye kufuneka uhlawule iposi xa ubhalela iibhokhwe zakho. Gcina loo mali ebhankini.
Ukufunda okuqhubekayo:
03 Yeka ukuHlola i-Checkbook yakho
Ukuba usebenzisa ezinye iindlela zokuhlola, ungayeka ukuthwala i-checkbook yakho malunga. Ungasebenzisa i-debit card, ikhadi lekhredithi, okanye imali ukuze wenze iintlawulo.
Ukuthatha i-checkbook kubhekiselele kwinqanaba elongezelelweyo kunye nomngcipheko ongakumbi. Ukuba i-checkbook yakho ilahlekile, kuya kufuneka uxelele ibhanki kwaye ugcine iso elibukhali ngenxa yobuqhetseba. Ngaphezulu uza kufuneka uphinde uhlole kwakhona. Ukuba uyithwala i-checkbook yakho yonke indawo uya kuyo ukwandisa amathuba okuphazamiseka.
Ikhadi lokubambisa liza kufumana iifom ezifanayo kwi-akhawunti yakho yokujonga, kodwa kuthatha indawo encinane. Ziyamkeleka kakhulu kwindawo yonke kule mihla, kwaye mhlawumbi uyakuthwala nawe.
Uzogcina imali ekubuyiseleni ukuhlola, kwaye uza kugcina ixesha kwi-counter counter.
Kwabanye abantu, kunengqiqo ukuthwala ingqalelo engenanto ngaphandle, kodwa unokwenza okuninzi ngaphandle kokuhlola.
Iingcebiso zeKhadi likaDeveli:
04 Ungaze ulinganise ukuhlola iiAkhawunti zePhepha kwakhona
Ukulinganisela ukujonga i-akhawunti yinto yokusebenza. Abanye abantu benza okulungileyo ngokulinganisa iakhawunti yabo rhoqo xa babhala isheke-ngqo phambi kwe-cashashi. Nangona kunjalo, uninzi lwabantu aluyi okanye aluyi kuyenza.
Akudingeki ukuba ulinganise i-checkbook yakho kunye nerejista yokuhlola yengxelo. Xa ubona i-bhanki kwi-intanethi, banako ukuphatha yonke into kuwe. Baya kubonisa naziphi na izinto ezilindileyo, umlando weakhawunti yakho, kunye ne-balance balance available to withdraw. Unako ukuthumela izinto kwiprogram yakho yeprogram yezemali xa uthanda.
Londoloza iisk, iphepha, kunye neengcamango zengqondo: vumela iikhompyutheni zenze umsebenzi kuwe.
05 UkuBhengisisa ukuTlola kuthatha ixesha
Ukubheka ukuhlola kuyinkqubo enzima yomsebenzi. Kufuneka ubambe, ubhale yonke into ngokufanelekileyo, gcwalisa inani, kwaye usayine. Emva koko unokufuneka unikeze i-ID kwaye ungeze ulwazi oluninzi olufunekayo kumthengisi. Ndiyathemba, akukho mntu emva kwakho okhawuleza.
Unokuhamba ngokukhawuleza ngokusebenzisa ikhadi leDebit. Xa uhlawula iindleko, unokufumana iibhokhwe ezihlawulwa ngokukhawuleza kwi-intanethi - ngeephoso ezimbalwa, kunye neendleko eziphantsi (bona iphepha elidlulileyo leenkcukacha).
Ukufunda okuqhubekayo:
06 Ukhe waliva "I-Check is in Mail"?
I-imeyile inokwethenjelwa. Nangona kunjalo, ukuhlolisisa kubonakala ngathi kuhamba ngexeshana ngezinye iinkqubo. Maxa wambi balahleka.
Isheke elilahlekileyo lingaba yingozi. Ulwazi lweakhawunti yakho (loo manani angenayo kwizantsi yesheke nganye) unokuphelela kwizandla ezingafanelekanga.
Iitshekhi ziyakwazi ukulahleka okanye zonakalise ukuhamba, kumthengisi okanye kwibhankini yakho. Ukuvavanya okubhaliweyo owona mkhulu kunengxaki yeengxaki.
Ukuhlawula iindleko ngekhompyutha kunye nokusebenzisa i-debit / ikhadi lesikratshi kuya kunciphisa amathuba okufumana ingxaki. Unokufumana ukukhuselwa kwabathengi abaninzi ngokusebenzisa ikhadi.
Ekugqibeleni, kufuneka ulinganise ngesandla i-checkbook yakho xa usebenzisa iphepha lokuhlola. Ukuba uhlawula ngekhompyutha, ibhanki ininzi yalo msebenzi.
Ukufunda okuqhubekayo:
07 Ukulinda iirekhi
Ukuba uqhubeka ubhala ukuhlola, uzakufuneka ulandele ngaphezulu. Oku kubiza imali, kwaye kufuneka ulinde ukuthunyelwa. Ukongeza, ubeka ingxaki kwindawo (jonga iphepha elilandelayo ukuze ufumane inkcukacha). Ukuba uhlawula iindleko zekhompyutha kwaye usebenzisa ikhadi lokukhwabanisa, unako ukugcina iisesheke kulawo maqabana aqhelekanga apho kuyimfuneko ukukhangela iphepha. Uninzi lweentlawulo zakho zenyanga neentsuku zonke aziwa kulolo hlobo.
Ukufunda okuqhubekayo:
08 Ukubhalwa kweeNkile = Inkunkuma yendalo
Iitshekhi zibonakala ngathi zicatshulwa zephepha, kodwa ukuhlolwa kweetekisi kusetyenziswa izixhobo ezininzi kunokuhlawula i-intanethi kunye nokusebenzisa amakhadi e-debit. Iitshekhi zingadla izityebi zemvelo kwindlela na ngezantsi xa zi:
- Ishicilelwe kwaye ithunyelwa kuwe
- Ukufakwa kwiikhowudi
- Ukuchithwa (okanye ukuphinda kwakhona) ngeebhanki kunye neentlawulo
Ukusebenzisa iitsheki kuthetha ukuba kufuneka usebenzise:
- Iphepha kunye neyinki ukuyidala
- I-Fuel, iindlela, kunye nokugubungela nokudiliza ukuze zikhuphe
- Ixesha labasebenzi kunye namandla okuwacwangcisa
Ukufunda okuqhubekayo: