Ngokuqhelekileyo oku kwenzeka kuphela emva kokuba i-akhawunti yakho ibe yinto engalunganga kwinani elimisiweyo leentsuku, kwaye kufuneka ufumene izaziso ezivela ebhankini malunga nemiba.
Yintoni oyenzayo xa iBhanki yakho iValile iAkhawunti yakho
Ngokukhawuleza xa ufumana isaziso sokuba ibhanki yakho ivaliwe i-akhawunti yakho, kufuneka uthathe isinyathelo ngokukhawuleza ukuze ukwazi ukuqhubeka nokuhlawula iindleko zakho nokulawula imali yakho. Ukuba awuyi, i-paycheck yakho ingaya kwibhankini, kodwa awukwazi ukufikelela kwimali. Ibhanki ingabagcina ukuba bancede bahlawule ibhalansi yakho engafanelekiyo, kuba ubenetyala ngabo imali.
- Yeka idiphozithi yakho ngqo kwi-bhanki yakho kumqeshi wakho. Ibhanki inokubamba nayiphi na imali okhoyo njengamanje kwiimirhumo ze-overdraft kunye neerhafu, kodwa ungadinga loo mali ukuhlawula irente kunye nezinye iindleko. Xhagamshelana neSebe lakho lezakhono ngokukhawuleza ukusetha intlawulo ngetshekhi okanye ukuba imali ifakwe kwi-akhawunti enye yebhanki ukuba unayo.
- Yeka nayiphi na imali yokutshintshwa ngokuzenzekelayo kwi-akhawunti yakho. Oku kungakugcina imali kwimirhumo ye-overdraft, kwaye ungadinga ukumisa iinkonzo kwezinye izinto ngelixa uzama ukulungisa imeko yakho yasebhanki.
- Thetha kwibhankini yakho ukufumanisa ukuba kutheni bavala i-akhawunti yakho, kwaye ufunde ukuba uninzi kangakanani imali ekufuneka uyenze ngayo kwiimbuyekezo ze-overdraft kunye nemirhumo. Ibhanki yakho iya kubika nayiphi na imali ofunekayo kwiChexSystems . Ingxelo engalunganga ye-ChexSystems ingamisa ezinye iibhanki ukuvula i-akhawunti yakho. Zama ukusungula isicwangciso sokuhlawula ukuze uhlawule imali oyimali.
- Zama ukuvula i-akhawunti entsha yebhanki kwibhanki eyahlukileyo. Ibhanki inokulungela ukusebenza nawe, ukuba ungayifaka ingxelo ebhaliweyo kwibhanki yakho yakudala ukuba useke isicwangciso sokuhlawula. Ngokuqhelekileyo oku kuza kuba yi-akhawunti yokulondoloza endaweni ye-akhawunti yokujonga, oko kuthetha ukuba awuyi kuba nekhadi lokubhadela okanye uhlolisise ukuhlawula iindleko zakho.
Indlela Yokugwema Ukuba neBhanki Yakho Vala iAkhawunti yakho
Indlela efanelekileyo yokuphepha ukuba i-akhawunti yakho ivaliwe kukuphepha ukulinganisela. Nangona i-akhawunti yakho inikezela ngeenkonzo ezingaphezulu kwee-overdraft , uya kuba uhlawula ezininzi kwiimali ezingaphezulu kwe-overdraft, kwaye unokuthi ukhonjiswe kwisijikelezo sokurhweba imali apho i-paycheck yakho eninzi kunye neyona ephezulu iya kwiifowuni ze-overdraft. Ukugcina ibhalansi ye-akhawunti yakho, kwaye ukuchitha imali kuphela onayo kwi-akhawunti kukukhusela ekufumaneni kule meko.
Ukuba uqalise umjikelezo we-overdraft, kufuneka uwuphule . Unokwenza oku ngokunciphisa imali yakho, kwaye mhlawumbi uthetha ngebhanki yakho malunga neshedyuli yokuhlawula iifizi ukuze ukwazi ukuthenga ukutya kunye nokuhlawula irenti yakho ngeveki. Unokufuna ukujonga ukuthengisa into okanye ukuthatha umsebenzi owongezelelweyo ukuze uguqule imeko yakho. Kufuneka usebenze uze ulungise imeko.
Ukuba awukho kakade, kufuneka ubeke isabelomali esingenanto kwaye uqale ukubeka yonke imali yakho eyongezelelweyo ekubambeni iibhanki kunye nezinye iindleko. oku kuthetha ukuthintela ukuchitha imali kwizinto zokunethezeka kunye nokukhansela izinto ezifana nokubhaliselwa kwekhadi kunye nobungqina bokuzivocavoca. Xa usuhlahlo lwabiwo-mali oluqinileyo, kufuneka ukwazi ukufumana iindleko zakho kwaye uqale ukucwangcisa iindleko zexesha elizayo ukuze ungadlulanga imali kwi-akhawunti yakho.
Ukuphila ngaphandle kweAkhawunti yeBhanki
Ukuba unayo i-akhawunti yakho ivaliwe, kuya kuba nzima ukufumana enye ibhanki okanye inkontileka yemali ekulungele ukusebenza nawe. Uya kufuneka ufunde ukuqhuba ngaphandle kwe-akhawunti yebhanki kwiinyanga ezimbalwa uze uhlambulule yonke into. Ungasebenzisa iilawutyala zemali ukuhlawula iindleko zakho ezininzi, okanye ufuna ukuzama ukufumana ngekhadi lesikweletu esikhokhelwa ngaphambili.
Kungakuhlazisa ukuthetha nomsebenzi wakho malunga nemiba, kodwa kuya kufuneka usebenze indlela yokuhlawula ukuba umsebenzi wakho uza kukuhlawula ngokuzithenda ngqo. Ezinye iibhanki zikulungele ukuvula i-akhawunti yokulondoloza kunye nedipozithi ngqo phambi kokuba usungule irekhodi engcono yokulandelela imali yakho kwixesha elizayo.