Imali Ekhuselekileyo
Abathumeli bemali be-oda baqaphele ngeendlela zokuhlawula abazithandayo.
I-Cash ibhetele kuba bangaqiniseka ukuba bahlawulelwa - banakho imali kwisandla endaweni yesithembiso esivela kumnye umntu.
Kubalulekile kuba i-oda lemiyalo ifomu ye-intlawulo "eqinisekisiwe": umrhumo womyalelo wemali uyaqinisekisa ukuba imali iya kuba khona xa ummkeli ehamba imali okanye adibe imali . Esikhundleni sokuthembela kuwe (umthengi), ummkeli weemali unokuxhomekeka kumniki-myalelo we-oda-odla ngokuba yinkampani enkulu yemali eyaziwayo.
Ukuhlolwa kuyingozi: ukuze umniki-myalelo weemali enze isiqinisekiso, kufuneka bazi ukuba baya kuhlawulwa nguwe. Xa umyalelo wakho wemali ushicilelwa ngumniki-mali, imali yomthengisi ifanelekile njengoko ihamba-ayikwazi ukuyifumana ngokulula kuwe. Ukuba isheke sakho sithintela, mhlawumbi banokuzama ukukulandelela phantsi kwaye baqoke imali oyibolekileyo kwinkqubo yomthetho (ngokukuyisa enkundleni), kodwa oko kubiza kwaye akukho nto abanomdla ekwenzeni.
Iindlela zokuhlawula iMyalelo yeMali
Ukuba ungumqhubi wokubheka ukuhlola, usenokhetho oluninzi - kodwa ukubhala isheke somntu okhupha umyalelo weemali mhlawumbi akukho omnye wabo.
Bhatala ngetshekhi: endaweni yokuhlawula ngemali, ngaba unokubhala nje iteksi kumthengisi okanye umrhwebi oya kuyenza umyalelo weemali?
Bangaqhele ukuba bacele i-oda yeemali, kodwa unako ukubuza ukuba kulungile ukuthumela isheke. Ngokukodwa ukuba ungumthengi oqhelekileyo, oko kulungile. Nangona kunjalo, ungakhetha ukungazithumeleli isheke. Ukuhlola kwakho kubonisa iinkcukacha zakho ezingenakufuna ukwabelana nomrhwebi. Ngokomzekelo, iikopi zakho zinegama lakho elipheleleyo, idilesi kunye neenombolo zeakhawunti yebhanki, kwaye kungcono kakhulu ukukhawulela ngubani onokuyibona loo nkcazelo.
Yiya kwibhankini yakho: ukuba unethemba lokubhalela isheke somyalelo weemali, unokukwazi ukufeza into efanayo-ukuhlawula i-akhawunti yakho yokujonga-ngokufumana umyalelo wemali kwi-bhanki yakho. Ibhankini yakho iya kukwazi ukuba unayo imali ekhoyo kwi-akhawunti yakho , kwaye iyakuthabatha loo mali ngokukhawuleza (ngoko ayithatha ingozi efanayo ukuba umniki-myalelo we-oda uya kuthatha ngokuvuma ukuhlolwa). Akufuneki ukuba usebenzise isheke-ibhanki inokutshintsha imali.
Ilungu leManyano yeMatyala? Ukuba usebenzisa i-credit union, ungasadingeki ukuba uye kwi- yunithi ye- credit union yakho. Ukuba umanyano wakho weentengo zemali uyinxalenye yentsebenziswano ye -branching yenethiwekhi , unokutyelela amawaka kwamanye amasebe eemanyano zekhredithi kwilizwe lonke, ezininzi zazo ziya kukhupha imali.
Bhala isheke malunga nemali elandelayo: kuxhomekeke apho uthenga khona i-oda yakho yemali , unokukwazi ukubhala isheke enye into (njengempahla yokuthenga) kwaye ufumane imali. Buza idesksi yesevisi yabathengi okanye abashicileli ukuba oko kunokwenzeka, kwaye yeyiphi imida ephezulu.
Uhlolo lwabahambi: abakhupha umyalelo weemali abayithandi ukuhlolwa komntu siqu, kodwa banokwamkela ukuhlolwa kweendwendwe. Ngelishwa, mhlawumbi kulula ukuyisebenzisa enye yezinye izicwangciso kweli phepha.
Ngaphambi kweengxowa-mali: ukuba unekhadi lesikweletu, abanye abathumeli bemali be-oda baya kukuvumela ukuba usebenzise ikhadi ukuze ufumane imali engaphambili, okanye unokufumana imali kwi-ATM. Oku kubiza kakhulu , kwaye kufuneka kwenziwe kuphela njengesigqibo sokugqibela. Umnikeli wakho wekhadi lokuthenga ngetyala uya kuhlawula imali ephezulu, uya kuhlawula umyinge kwizinga eliphezulu, kwaye umniki-khadi wakho wekhredithi mhlawumbi uya kubeka iintlawulo zakho kwixesha elide lokugqibela.
Ukuba awuyi kuhlawula ibhalansi ngokukhawuleza, oku kuba kubi kakhulu.
Ikhadi lokunikezelwa kwemali kwangaphambili imali: ukuba awukwazi ukusebenzisa ikhadi lokutsalwa okanye ufike kwibhankini yakho, kunokwenzeka ukuba uye kwibhanki eyahlukileyo kwaye ufumane imali yangaphambili usebenzisa ikhadi lakho lokubambisa. Uya kuhlawula umrhumo, kodwa unokukukhupha kwiphiniki. Jonga indlela yokufumana imali yangaphambili .