Nangona kunjalo, kufuneka wenze ukuhlolwa kwebhanki kanye ngonyaka, ukuqinisekisa ukuba iimfuno zakho zisagqitywa.
Izizathu zokuba nama-akhawunti amaninzi
Kunokwenzeka ukuba uhlolisise ii-akhawunti kwibhanki enye, kwaye unokuba nezizathu ezithile malunga nokuba ufuna ukwenjenjalo. Umzekelo, unokukhetha ukugcina i-akhawunti yakho yokukhangela ivulekile xa uvula i- akhawunti edibeneyo kunye neqabane lakho kwibhanki eyahlukileyo. Unakho ukukhangela i-akhawunti kwibhanki eyahlukileyo ukuhlawula iibhola zakho zokubakho ukususela ekungagcini i-akhawunti yakho yokukhangela yemali engaphezulu kunokuba ugunyazisiweyo. Unokuba neakhawunti eyahlukileyo kwishishini lakho elincinane okanye umsebenzi we-freelancing owenzayo phantsi kwegama lakho. Unokuba ne- akhawunti yokulondoloza kwi -bhanki kuphela kwi-intanethi ukuze ufumane inzala ephezulu. Isizathu ngasinye sizathu esinesizathu sokuba neengxelo ezininzi zokujonga.
UkuLawula iAppple Accounts ngokucophelela
Kubalulekile ukuba uphathe ngokucophelela i-akhawunti yakho nganye ukuze ungadlulanga i-akhawunti enye ngengozi kwaye usebenzise iindleko ze-overdraft .
Gcina iifowuni zakho kwiindawo ezihlukeneyo, kwaye ukhethe uhlolo oluhlukeneyo lwe-akhawunti nganye. Ukuba uvumelekile ukuba ukhethe isitayela sekhadi lakho lokubambisa , qiniseka ukuba ahluke ngoko ungayibamba into engalunganga xa wenza intlawulo. Ufanele ulinganise i-checkbook nganye inyanga kwaye ugcine i-total of your transactions ukuze ungadlulanga imali.
Ukuhlolisisa ukuthengiselana kwakho kwi-intanethi yonke imihla embalwa kukunceda ukuba uthathe impazamo kwangaphambili ukwenzela ukuba uyilungise ngaphambi kokuba ibe yingozi.
Ukuba udlulisela imali phakathi kwe-akhawunti, unokwenza oku ku-intanethi ukuba zombini iibhanki zinokukhetha okanye ungakwenza ngokufaka idiphozithi usebenzisa isheke ukusuka kwelinye ibhankini, kufuneka uqiniseke ukuba ulinde iintsuku ezintathu ukuya ezintlanu zoshishino. qinisekisa ukuba isheke liye lacinywa ngaphambi kokusebenzisa imali. Ukuba ufuna ukukhawulezisa intengiso, unokusebenzisa imali.
Khetha ngokufanelekileyo iibhanki zakho
Xa ukhetha ibhanki entsha, unokukhangela iinkonzo ezithile ezinikezelayo ukuba ibhanki yakho yangoku ayikho. Ezinye iibhanki zinokunikela ngesantya somyinge ophantsi kwimali-mboleko yemoto ukuba unayo i-akhawunti yokutshekisha kunye nabo kwaye uya kubeka inkokhelo ngokuzenzekelayo mboleko. Esi sizathu esihle sokuvula i-akhawunti entsha. Ngokuhamba kwexesha unokufumanisa ukuba uthanda ibhanki entsha ngakumbi kwaye ufuna ukudlulisela zonke ii-akhawunti zakho kwibhanki entsha . Akunzima ukuvala i-akhawunti yakho endala ukuba wanquma ukwenza loo nto. Qinisekisa ukuba udlulisela zonke iintlawulo zakho kunye ne-deposit ngqo kwi-akhawunti yakho entsha phambi kokuba uvale i-akhawunti yakho endala.
Gcina iiAkhawunti zeeNkampani ezihlukeneyo
I-akhawunti yebhanki eyahlukileyo yoshishini yinto efanelekileyo kuba iya kukunceda ugcine imali yakho yezoqoqosho ihluke kwiimali zakho zemali .
Unokufumana ibhanki yendawo encinci inikeza iinkonzo ezingcono kwi shishini lakho, kodwa ufuna ukugcina i-akhawunti yakho kwibhanki yakho yasekuqaleni. Kubalulekile ukugcina i- akhawunti yakho yebhanki ihluke kakhulu kwi-akhawunti yakho, kwaye kufuneka ubhalele i-paycheck inyanga nganye, endaweni yokungena kwi-akhawunti yakho yebhankini ukuze uthathe izinto ezincinane onokuzifuna.
Thatha inzuzo yokunikezelwa kweeBhanki ezahlukeneyo
Kuqhelekile ukuba ne-akhawunti yokugcina imali kwi-bhanki ehlukileyo kwi-bhanki ene- akhawunti yakho yokujonga . Iibhanki ze-intanethi zihlala zinikela ngenani lentengo ephakamileyo kwi-akhawunti yokulondoloza, kwaye ingakufanelekela imali eyongezelelweyo oyifumanayo. Qinisekisa ukuba ibhanki ye-intanethi iqinisekisiwe yi-FDIC kwaye iya kuqinisekisa ukuba unayo imali ekugcineni kuyo.
Ibhanki ngalinye linemigaqo eyahlukileyo ejikeleze iakhawunti zabo zokujonga, kwaye kufuneka uqonde umgaqo ngamnye kwiakhawunti ezahlukeneyo.
Oku kunokukunceda ukugcina imali kwimirhumo , njengoko ugcina ibhalansi efunekayo, kwaye ugweme ezinye iimrhumo zenkonzo yenyanga ibhanki ingahlawula. Iingxelo ezahlukileyo kwibhanki elifanayo zinokuhlawulwa kwemirhumo yeenkonzo kunye nemithetho.