Ibhanki yakho okanye iNkcazo yeMali
Ukubheja kweyona nto yokukhangela ukukhangela i-intanethi nayiphi na ibhanki okanye inkontileka yekhredithi apho unayo i-akhawunti.
Kwamaziko amaninzi, abanikazi beakhawunti abahlawulwanga kule nkonzo, kwaye unako ukuhlala ubeka imali kwaye uhoxise imali kamva.
- Imali epheleleyo? Ngokuxhomekeke kumgaqo-nkqubo we-bhanki " ukufumaneka kweemali " kunye nohlobo lokutshekisha kwakho ukufaka imali, ungenako ukufikelela kwixabiso elipheleleyo lekhangela-kodwa ukufumana i-$ 200 okanye kunjalo akufanele kube yingxaki.
- Akukho akhawunti yebhanki? Ukuba awunayo i-akhawunti yebhanki, mhlawumbi kulungele ukuvula enye. Ukuphila ngaphandle kwe-akhawunti yebhanki ngokuqinisekileyo kunokwenzeka, kodwa kuthatha amandla angakumbi kunye nobuchule bokuphila ngale ndlela- mhlawumbi kunengqiqo ukuba awukwazi ukuvula i-akhawunti ngesizathu esithile. Ukuba unesicatshulwa ngesandla (kwaye ngokukodwa ukuba ulindele ukufumana iikopi ezithe xaxa) ungasoloko usebenzisa itekisi ukuvula i-akhawunti yakho yokuqala. Ukuvula i-akhawunti kuya kusindisa kakhulu ixesha kunye namandla .
- Izinyunyana zemboleko zinikeza indawo ezininzi: ukuba unelungu le-credit union, unakho ukhetho olungakumbi kunokuba ucinge nge-cashing ehlola. Kukho iinkulungwane zeendawo zokubambisana ezikwabelwana ngazo kulo lonke ilizwe, okukuvumela ukuba uvakatye ezinye iiyunivesithi (ukuba awuyilungu le) ukukhangela isheke.
IBhanki yokuHlola
Enye inketho kukuhlawula isheke ngokuyithatha kwi-bhanki ukuba imali iyakhwelwa. Ngamanye amazwi, yiya kwibhankini apho umntu obhala isheke ngumnini-akhawunti.
Ngokomzekelo, ukuba isheke liphuma kwi-akhawunti yaseBhanki yaseMelika, unokungena kwibebe laseBhanki yaseMerika uze ucele imali.
Ukufumanisa ukuba yiyiphi ibhanki ekhuphe isheke, khangela igama lebhanki okanye umanyano wekhredithi ebusweni bakho.
Ixesha elilodwa eliya kuba nzima ukufumana igama lebhanki ukuba ngaba ujongana nesheke esikhutshwe ngu rhu lumente. Nangona ungeke uhambe kwi-Treasury yase-United States ngenkokhelo, kufuneka ufumane ezo zihlolwe lula ukuba zikhekhe kwiibhanki kunye neentengiso zokuthengisa ngenxa yokuba zibhekwa njengesiqinisekiso sokuphepha.
Qaphela ukuba akusoloko ikhululekile ukuhlola ikheshi-nokuba u tyelela ibhanki leyo iza kuvela kuyo. Iibhanki ezininzi zihlawulisa iintlawulo kubangewona abathengi, ngoko qi niseka ukuba ubuze malunga neerhafu ngaphambi kokuba uqhubeke.
Ukuba awukwazi ukutyelela isebe lebhanki lakho lokukhangela, unokuzama ezinye iibhanki (ibhanki apho wena okanye umhloli-zincwadi unayo i-akhawunti). Nangona kunjalo, uya kuba nethamsanqa ukufumana nabani na ozimisele ukukhangela isheke, kwaye uya kuba nethamsanqa kakhulu ukuba wenze okokukhululeka. Unokuhlala ucela.
ZokuThengisa
Ezinye izitolo ziza kuhlola i-cash for free, zicinga ukuba unenjongo yokuchitha enye loo hlama xa ulapho. Ukususela kwimibono yabo, ukuhlawula imali akuyiyona nto ingcono kakhulu kwihlabathi - xa unayo imali esandleni sakho, ngokubanzi uzimisele ukuchitha. Nangona kunjalo, abangekho kwishishini lokuthatha ingozi ekuhloliseni kakubi, ngoko ungalindelanga ukuba isebenze rhoqo.
Iimpawu zakho zilungele ukuba ungumthengi oqhelekileyo kunye nabasebenzi baqhelana nawe. Cwangcisa ukunika isicatshulwa okanye usayine kwisitoreji ukuze ufumane imali.
Ezinye izitolo zelizwe zibonelela ngokukhawuleza. I-Kmart igcina uhlolo lwekhomishini ngaphandle kwerhafu ukuba uyilungu leNkqubo Yakho Yokuthenga. I-Walmart iye yaziwa ngokuba yi-check checks yamahhala-ngokukodwa ukhenketwa karhulumente (okufana nokuhlolwa kwe-stimulus kunye nokubuyiselwa kwemali yentlawulo) - kunye ne-Walmart isoloko iphonononga ukuhlola kwiiNgxowa-mali zeeRandi ezintathu. Kungenakho ukukhululeka, kodwa kusondele kakhulu. Izitolo zokutya ziyinye inketho engabizi (ngokuqhelekileyo ijikeleze idola enye okanye njalo), kwaye mhlawumbi banokubheka imali encinane yokuhlola. Buza malunga nokutshekisha ukukhangela kwi-counter service counter.
Amakhadi ahlawulwe
Ukuba awuyidingi imali ngokukhawuleza, unokufaka iikopi zakho kwi- akhawunti ehlawulwa ngaphambili (ekunokwenzeka ukuba idibene nekhadi lokubhadela).
Uyakwazi ukuchitha loo mali ngokukhawuleza ukuba iteksi icoce, kwaye unokufumana imali leyo ngokukhawuleza, kuxhomekeke kwimigaqo yokufumaneka kwemali. Unokugqibela uguqule loo mali ibe yimali ngokwenza ukuhoxiswa kwi-ATM.
Ukuze wenze idiphozithi, uya kusebenzisa i-app uze uyifake umfanekiso wesheke ngentsimbi yakho yeselula . Oku kukhethwa ngokukhethekileyo ukuba awukwazi ukuvula i-akhawunti yebhanki. Amakhadi ahlawulwayo angasebenza njengengxenye yeakhawunti esebenza ngokugcwele (nangona i-akhawunti endala ibhetele ingcono kakhulu): uya kufaka iikopi, ugcine imali iphephile, kwaye uchithe ngeplastiki.
Hlola iiCashing Stores
Njengoko ugxotha ezitratweni ezixakekileyo, uya kufumana uhlolisiso lwezitolo zokuthengisa (ezihlala zikwabelana ngendawo kunye neendleko zemali-mboleko ezithengayo ). Ezi ndawo ngokuqinisekileyo zihlola imali-kodwa ayiyi kukhululeka. Hlola iintlawulo ngokuchanekileyo phambi kokuba uhlawule isheke kwikhonkco yokukhangela isheke. Kukho ithuba elihle lokuba unokwenza ngcono kwenye indawo.
Iintlobo zeeKhekhi
Uhlobo lwenkokhelo olubalulekileyo. Uhlolo olukhishwe nguRhulumente lulungelelaniso kuba libhekwa likhuselekile Oku kuquka ukubuyiswa kweerhafu, iintlawulo zeNtlalo, kunye nezinye iisesheke ezithathwa kwi-Treasury yase-US. Uhlolo loorhulumente basekhaya lukwajongelwa ukuba lukhuselekile. Uhlolisiso lobuqu (kunye nolwazi olubhalwa ngesandla ngesandla esichasene nekhompyutheni oluprintwe) lubonwa njengoluhlobo olukhethiweyo lokutshekisha kwikheshi. Unako ukukwazi ukuhlawula ezi zinto ukuba zincinci, kodwa uya kuhlawula ngaphezulu.