Ukunqoba iATM kunye neMaximums Daily
Le miqathango inceda ukukhusela ilahleko ezinkulu ngenxa yobusela. Zikhusela ibhanki kunye nawe ngokwakho. Ukuba ukurhoxiswa okungagunyaziswanga kungabonakali ixesha elide, uya kuba noxanduva lweentlawulo , kwaye iingxaki zokubuyisela imali ebiweyo zincinci.
Ngethamsanqa, unako ukufumana ukwanda kwexeshana kumlinganiselo wakho wemihla ngemihla, okanye ungasebenzisa ikhadi lokutshintsha imali ngokukhawuleza ukuze uhoxise imali. Siza kuxubusha ngala macebo angezantsi.
Uninzi lwezimo ezivumelekileyo zifuna i-$ 500 okanye ngaphezulu kwemali: Unokufuna ukuthenga izixhobo okanye "iikoyi" kwi-Craigslist, okanye unokufuna ukuhlawula imali ngemoto esetyenziswayo.
Ngexesha lebhanki, unako ukuhamba rhoqo kwi-bhanki yakho kwaye uhoxise ngokubanzi njengoko ufuna kumtshi. Kodwa kuthiwani malunga neveki, iinyanga, kunye (ezininzi) nezinye iimeko xa kungenjalo ukhetho? Ngaphezu koko, ukuba usebenzisa i-bhanki kuphela, akukho namasebe ebhanki kuwe.
Cela ukuphakanyiswa
Ukuba unako ukucwangcisa phambili, biza ibhanki yakho kwaye ubacele ukuba baphakamise umda wakho we-ATM okwesikhashana. Ngethuba nje beqinisekile ukuba nguwe otshoyo ukuba unguye, banokukulungela ukuhlawula umda wakho uphakamileyo njengama-dollar ambalwa. Ngeke ube nempumelelo njalo ecela ukwanda, kodwa kulungile ukutshulwa.
Kwakhona, ii-ATM zikhawulelisa ukurhoxiswa ngokuphezulu kwintengiso, ngoko unokuhlawula iimali ezininzi ze-ATM, kwaye unokufuna ukusebenzisa oomatshini abahlukeneyo.
Unyuselo oluninzi lwee-ATM lusexeshana, kodwa unako ukufumana ukwanda ngokusisigxina ukuba ufuna rhoqo ngaphezu kobuninzi.
Ukunyuka kweeMali kwiBhanki
Ukuqhubela phambili kwekhadi lomthengiso: Ukuba awukwazi ukutyelela umtshi kwibhanki yakho, uye kwibhanki eyahlukileyo.
Buza malunga nokusebenzisa ikhadi lakho lokubambisa ukuze uthole imali engaphambili, ekuvumela ukuba uhoxise imali engaphezulu kwee-ATM ezivumelayo. Iibhanki zihlawulisa imali ejongene neenkonzo xa ungenaye umthengi, ngoko fundela ukuba kulubiza kangakanani ngaphambi kokuba uthathe inkokhelo.
Abathengi bemanyano yabasebenzi: Ukuba usebenzisa i-credit union , izinto kufuneka zibe lula. Amanyano amaninzi eentengo zemboleko athatha inxaxheba kwi- branching ekwabelwana ngayo , evumela ukuba wenze ukurhoxiswa kwamahhala kwi-akhawunti yakho usebenzisa amanye amasebe emanyano kwiikrari lonke. Izinyunithi ezahlukeneyo zeentengo zemali zineeyure ezahlukeneyo, ngoko khangela indawo evulekile xa uyifunayo-ngokuhlwa okanye ngeveki, umzekelo.
Imali yokukhawulela kwangaphambili: I- Debit card ukunyuka kwemali kwamasebe kusenomda, kodwa ngokubanzi kuphezulu kunemida kwi-ATM. Qaphela ukuba nayiphi na ihoxiswa osuyenzile kwi-ATM mhlawumbi iya kubalwa nxamnye nomlinganiselo wakho we-day-in-branch.
Ukuhlawula imali kwiSitolo
Unokuzama kwakhona ukubuyisela imali kwiivenkile zokuthenga kunye nezokungcebeleka. Umzekelo osemgangathweni ukuthenga intonga yegum kwaye ufumane imali eninzi ngangokunokwenzeka. Uninzi lwezitolo lugqithisela imali kwimali encinci-awuyi kufumana i-$ 1,000-kodwa loo mali edibaniswe nomlinganiselo ongaphinda uwatye kwi-ATM unokukufumana oko kukufunayo.
Ukuba kuyimfuneko, ungasebenzisa imali eninzi yokubuyisela imali emva kokutsala umlinganiselo wekhadi lakho lokuthengwa kwansuku zonke-ngokuphindaphindiweyo ngamawaka angama-dollar okanye ngaphezulu. Nangona kunjalo, mhlawumbi kufuneka uvelele izitolo ezininzi ezahlukeneyo, ezingenakwenzeka.
Iingcebiso kwiNgcaciso yeKharityhulam yeMali
Eli phepha lichaza ukunyuka kwemali oyenzayo ngekhadi lakho lokubambisa, kodwa ezinye zezicwangciso ezifanayo zingasebenza kunye nekhadi lesikweletu.
Ngekhadi lokukhawulwa kwemali, imali iphuma kwi- akhawunti yakho yokujonga , ngoko ke kubalulekile ukuba unayo imali ekhoyo yokuchitha imali kwi-akhawunti yakho.
I-akhawunti yokukhangela i-Overdrawing ingabangela iingxaki ezinzulu. Uqhuba umngcipheko wokulahleka iintlawulo ezibalulekileyo ezichithwe ngokuzenzekelayo kwi-akhawunti yakho kunye nokuhlawula iireki. Imiphumo ye-overdrawing ibandakanya iifizi zentlawulo kwiintlawulo zakho kunye neerhafu zokurhweba kwi-bank yakho.
Qinisekisa ukuba kugcinwe i-akhawunti yakho ngokulinganiselayo , kwaye kuphela uhoxise imali onokukwazi ukuyihoxisa.
Ukufumana ukunyuka kwemali kunye nekhadi lakho lesikweletu kunokunye okukhethwa kukho, kodwa kubiza. Ngokuqhelekileyo uza kuhlawula iintlawulo ezinkulu kunye nomdla ophezulu kule mali kunokuba uhlawule ngokuthenga amakhadi okuthenga ngetyala. Kananjalo, akukho nanye ixesha lokusindisa ukuhlawulwa kwentlawulo.