Ukuvula i-Akhawunti ye-Krismesi
Unokuvula i-akhawunti yokulondoloza iKrisimesi kwibhanki yakho yasekhaya okanye inkontileka yekhredithi. Ngokuqhelekileyo, iibhanki ezincinci kunye neemanyano zetyala zingabonisa le akhawunti. Kungabizwa nge-akhawunti yeKrisimasi ye-Club. Nangona kunjalo, ukuba awunayo inketho yokuvula le akhawunti, usenokuvula i-akhawunti ngokukhethekileyo yokugcina iholide. Uya kufuna ukuqinisekisa ukuba ayixhunyiwe kwi- overdraft yakho ukwenzela ukuba imali ihlale ikhuselekile nangona ulahlekelwa ngengozi kwaye uhlawulise i-akhawunti yakho .
Ukukhetha iNani lokuSindisa iNyanga nganye yeKrismesi
Isabelomali ngasinye kunye neemeko zemali zakho ziza kuthatha ubuninzi obufanele ubeke eceleni kweKrisimesi inyanga nganye. Unokuqala ngokujonga indlela ochithe ngayo unyaka odlulileyo kwiKrisimesi ukudala ibhajethi yakho . Sahlukanisa nje le mali ngeeshumi elinesibini kwaye uya kuba nexabiso omele ubeke eceleni ngamnye ngonyaka.
Enye inketho kukuqinisekisa ukuba ufuna ukuchitha unyaka ngamnye kwiKrisimesi. Imali ingahluka kuye kuxhomekeke kubani abantu onokufuna ukunika unyaka ngamnye kunye neentsapho ezilindelweyo phezu kweeholide. Njengoko unabantwana, unokugqiba isigqibo sokuba kufuneka ukwandise imali oyigcinayo ngonyaka.
Izinzuzo zeAkhawunti yokuSindisa iKrisimesi
Inzuzo enkulu kakhulu kule akhawunti kukuba awuyiboni imali, ngoko ke unganamathuba okuyichitha. Unako ukufumana imali ebhaliweyo kwi-akhawunti yakho ngomhla ofanayo. Le akhawunti ayisetyenziswanga njenge-akhawunti yokukhusela i-overdraft, ngoko ke imali ayiyi kusetyenziswa ngaloo ndlela. Ukuba unengxaki yokushiya imali ekulondolozeni, unokufuna ukucinga ngokusebenzisa lolu hlobo lweakhawunti ukuze ulondoloze iKrismesi.
- Yenza ukulondoloza okuzenzekelayo kunye nokudluliselwa.
- Ukhusela ukugcinwa kweKrisimesi ngokukwenza ukuba nzima ukufikelela imali ngaphandle kwexesha leKrisimesi.
- Kulula ukubeka iliso nokulandelela umlinganiselo ngokwahlukileyo ukusuka kwenye yakho imali.
Iingxaki zeAkhawunti yokuSindisa iKrisimesi
Into ebaluleke kakhulu kule akhawunti iyinqanaba elincinci lentengo efunyanwa yimali kule akhawunti. Ukulungele ukubeka imali kwimali ephezulu efumana i-akhawunti njengengxelo yemarike yemali. Ukuba unoxanduva lwemali kwaye ungathinteli imali yakho ungayifaka kwi- akhawunti yemarike yemali (enikezelwa kwibhankini yakho) okanye i- akhawunti yokugcina imali kwi - inthanethi . Ukongezelela, ezinye iindleko zendalo zeKrismesi zingaphinde zibe nezohlwayo xa usuhoxisa imali kwangaphambili.
Oku kunokuba luncedo kuba kukunceda ukuba ushiye imali kwi-akhawunti. Nangona kunjalo, ukuba ufuna imali ngenxa yongxamiseko, unokujamelana nezohlwayo xa uthabatha kusasa.
- Ifumana inzala engaphantsi kweye-akhawunti yokulondoloza.
- Izigwebo ezinokwenzeka xa ufuna ukukhishwa kwangaphambili.
- Umele ulinde u-Novemba ukufikelela kwimali, nokuba ufumene into enkulu kwisipho ekuqaleni kwonyaka.
Izinketho zakho kwiAkhawunti zokuSindisa iKrisimesi
I-akhawunti yokulondoloza iKrisimesi yinto enhle kulabo abangaqeqeshiweyo ngokwaneleyo ukubeka eceleni imali nganye ngenyanga yeKrismesi. Oku kunokukunceda uhlakulele isiyalo ukuba uyayifuna. Enye yeendlela ezilungileyo zokuqala ukugcina imali kukukwenza ngokuzenzekelayo. Ukuba unomdla wokuvula i-akhawunti yokulondoloza iKrisimesi uthetha kummeleli we-akhawunti kwibhanki yakho yasekhaya okanye umanyano wekhredithi.
Unokhetha ukuvula i-akhawunti yokulondoloza inthanethi kwaye usethe ulungelelaniso oluzenzekelayo, kwaye wenze i-akhawunti yakho yokugcina i-Krismesi ngenani lentsha ephezulu. Ukuba ungenalo ngokwenene ukuqeqeshwa kokungena kwi-savings yakho kunokuvula i-akhawunti eyahlukileyo iya kunceda ukukhusela imali. Ukuba uyivula kwi-bhanki eyahlukileyo, iya kuthoba ukuba ungayidlulisela njani ngokukhawuleza kwaye uncede ukuyeka ukuthenga iimvakalelo.
Ukwenza Uninzi Lwakho Lokusindisa iKrisimesi
Emva kokuba ugcine imali yeeholide, kubalulekile ukwenza uninzi lwaloo ndolozo onalo. Isicwangciso-mali kunye nesicwangciso senkcitho singakunceda uhlale endleleni. Kulula ukugqithisa imali ngakumbi nangokonga. Kukho kwakhona iindleko zeeholide ezingalindelekanga njengeqela leofisi. Ungadinga ukugcina imali eyongezelelweyo yokuhamba ngeholide. Ngokucwangcisa ngakumbi ukuba udibanise, kungakumbi ukuba awudingi ukusetyenziswa kwekhadi lesikweletu okanye ugqibe ukuzama ukufikelela ekupheleni kweJanuwari. Khumbula nje ukuba isicwangciso esiqilileyo siyintloko.
Unokwenza ukuthengwa kweKrisimesi kube lula ngokucwangcisa phambili kwaye ukhangele iingcebiso zesipho sikaKhisimusi xa wenza uluhlu lwakho. Njengoko usebenza ukugcina imali, uya kumangaliswa ukuba ungayifumana kangakanani kwaye kungaphantsi koxinzelelo lwexesha leeholide. Unyaka owodwa wokulondoloza kwangaphambili uza kunceda uqale ukwenza njalo. Ukubeka i-akhawunti yakho ngoku kuya kwenza uKrisimesi ibe lula.