- Yizisa inkokhelo kwindawo edibanisa imali. Okukhethwa kukho okuqhelekileyo kubandakanya iibhanki, iimanyano zemali-mboleko, izitolo zokutya, kunye nokuthengwa kwezinto zokuthengisa.
- Yivumele umyalelo wemali ngokusayina igama lakho ngasemva. Lindela ude ungene ngaphakathi kwaye ulungele ukunika umyalelo weemali kumthengisi okanye kwi-ejenti yenkonzo yamakhasimende ngaphambi kokusayina. Ukufumana imiyalelo engakumbi, jonga indlela yokuxhasa iintlawulo.
- Bonisa ukuchongwa okusemthethweni ukuqinisekisa ukuba ugunyazisiweyo ukuba uhlawule imali. Ii-ID ezikhutshwe nguRhulumente, eziquka iilayisenisi zokuqhuba, iipassports kunye nee-ID zomkhosi zanele.
- Bhatala nayiphina imirhumo yenkonzo. Ezi ndleko ziya kunciphisa inani elipheleleyo lemali oyifumanayo.
- Yenza imali yakho kwaye uyibeke kwindawo ekhuselekileyo ngaphambi kokuba ushiye counter counter counter.
Ukuba awuyidingi yonke imali ngokukhawuleza, unokufaka i-oda ye-akhawunti kwi-akhawunti yebhanki uze uhoxise imali kamva xa kufuneka.
Kuphi ukuhlawula iMali yeMali
Unako ukuhlawula i-oda yemali kwiindawo ezahlukeneyo. Okukhethiweyo kwakho ngokuqhelekileyo ibhanki okanye inyunyana yemboleko yokuba sele unayo i-akhawunti.
1. Ibhanki yakho: Y yethu ibhanki okanye umanyano weentengo zemboleko mhlawumbi unikeza le nkonzo mahhala.
Nangona kunjalo, unganakho ukufumana isixa esipheleleyo somyalelo wemali ngokukhawuleza. Umgaqo-nkqubo we-bhanki yakho yokufumaneka kwemali iya kuchaza ukuba uninzi, ukuba unako, ungathatha ngokukhawuleza, kwaye yonke imali kufuneka ifumaneke kwiintsuku ezimbalwa zoshishino. Iimyalelo zemali ezivumelekileyo ze-USPS, i-$ 5,000 yokuqala ingafumaneka kwisithuba seshishini elinye.
Kweminye imiyalelo yemali, i-$ 200 yokuqala ingafumaneka ngokukhawuleza.
Ukutyelela isebe kungenzeka kungabi lula. Kodwa ukuba ungumntu we-credit union , mhlawumbi usebenzisa isebe lemanyano yamatyala eyahlukeneyo esebenzisa inethiwekhi efanayo yokubambisana .
2. Umniki-myalelo we-oda: Ukuba unayo i-akhawunti yebhanki okanye awukwazi ukufikelela kwisebe, zama ukutyelela indawo yomniki-myalelo we-oda. Umnikezeli ngumbutho oprintela kwaye abuyiselwe umyalelo weemali. Umzekelo, unokutyelela ipostile kwiimali ze-USPS zemali okanye i-ofisi yeWestern Union ukuba uhlawule imali ye-Western Union. Ukusebenza ngokuthe ngqo kunye nomnikezeli kuya kunceda ukunciphisa iirhafu kwaye wandise amathuba okufumana i-100 ekhulwini yemali ngokukhawuleza. Qaphela ukuba ezinye iindawo aziyi kukunika imali xa ungengumthengi okanye ukuba abazange bakhuphe loo myalelo weemali.
Okunye okukhethwa kukho: Unokuzama ukwenza imali yokuthengisa imali kwiivenkile zokuthengisa ezifana neentengiso zokuthengwa kweentengiso, izitolo zokuzonwabisa kunye nezitolo zokutya. Enyanisweni, izitolo zentengiso zihlala zifumana i-Western Union okanye i-Moneygram iinkonzo ezifumaneka kwidesksi yesevisi yabathengi, ngoko unokukwazi ukufumana yonke imali yenkokhelo mahhala. Ukuba akunjalo, ummeli wenkonzo yabathengi unokuxoxa ngeenketho zokukhangela ukutshekisha kunye nawe.
Ukufumana ezinye iingcamango, jonga ukuba ungakhokhisa isheke .
Ukuxhomekeka kweMimiselo yeMali
Ukuba awudingi ipesenti eziyi-100 yomyalelo weemali ngemali, ukuhamba ngokumangalisayo mhlawumbi kufake i-oda ye- akhawunti kwi-akhawunti yakho yasebhanki (endaweni yokutshintsha imali). Unokufumana imali kamva xa kuyimfuneko-kodwa kutheni ungagcinanga imali ekhuselekileyo kwibhanki kude kube ngoko? Awunamathuba okuchitha imali xa ungayithwali kunye nawe, kwaye ayiyi kulahleka okanye ibiwe ebhankini.
Ufanele ubeke phi umyalelo wemali?
Sebenzisa i-akhawunti yakho yokukhangela okanye i-akhawunti yokulondoloza, kwaye uthumele imali kwenye indawo ukuba uneminye imisebenzi. Ukuba awunayo i-akhawunti kwibhankini okanye inkontileka yemali, ungayisebenzisa le myalelo weemali kwi-akhawunti yakho yokuqala idiphozithi yokuvula. Ukuba ne-akhawunti yebhanki iya kusindisa imali kunye nexesha kwixesha elide.
I-Logistically, ukufaka umyalelo wemali kufana nokufaka isheke.
Vumela umva we-oda lomrhumo uze uluhlule ngokwahlukileyo (njengetshekhi) kwisithuba sakho sediphozithi .
Ukuba usebenzisa idivayisi yakho yeselula ukufaka iifowuni , unokufumana ukuba i-oda yeemali iphathwa ngokuhlukileyo. Iibhanki zifuna ukuba uhambise umyalelo we-original yasebhanki ukuze usebenze, kwaye abavumelanga ukuba imali yomrhumo wemali ifake. Qinisekisa ngebhanki yakho ngaphambi kokuba uzame ukwenza idiphozithi.
Imirhumo yokuThengisa iMali yeMali
Lindela ukuhlawula umrhumo xa uhlawula umyalelo wemali naphi ngaphandle kwebhanki yakho-ngaphandle kokuba ubeka imali kwi-post ye-USPS yeMali. Ngokuqhelekileyo kufuneka uhlawule iirandi eziliqela kwimirhumo yokuthengiselana okanye ipesenti yemali epheleleyo. Lezo ntlawulo ziyakongeza, ngokukodwa kwi-check checking stores kunye nezitolo ezilula, ezinokuthi zibe neerhafu eziphezulu.
Ukuba ufumana imali engaphezulu kweyodwa okanye ezimbini ngenyanga, mhlawumbi ufanele ukuvula i-akhawunti kwibhankini okanye inkontileka yemali- nangona ukuba ihlawula iindleko zenyanga zokugcina-endaweni yokusebenzisa abathengisi. Emva kokuba ungumthengi, unako ukuya kwiibhanki zakho kunye nokuhlolwa kweemali okanye iilaydi zemali nanini nawafunayo ngaphandle kweerhafu ezongezelelweyo.
Iimali zeNkundla zeMali
Ukuba ngaba okokuqala ufumana umyalelo weemali, unokuzibuza ukuba unakho ezandleni zakho. Umyalelo wemali ufana nesheke (ngokubonakala kunye nomsebenzi), ngoko unokuphatha i-oda njengemali yokuhlola. Awukwazi ukuyisebenzisa imali ehlawulwa kuwe-ziyiziqendu zamaphepha ezithembisa ukuhlawulwa kwiimali kwi-akhawunti yomnye umntu. Ukuze ufikelele kule mali, kufuneka uhlawule imali yomyalelo okanye ubeke i-oda yakho kwi-akhawunti yakho yasebhanki.
Ukufumana inkcazelo engakumbi malunga neenzuzo kunye nemingcele yemali ye-oda, khangela i- Money Order Basics .
Ngaba yinto enhle?
Iimali zemali zivame ukusetyenziswa kwiikratshi. Ukuba ufuna ukuqinisekiswa ukuba uya kuhlawulwa, qinisekisa ukuba umyalelo wemali uvumelekile phambi kokuba uyamkele. Awunakuze ube yi-100 yeepesenti ezithile, kodwa unokwazi ukuchonga amanxeba ngokubiza umnini-myalelo we-oda ukuqinisekisa imali.
- Funda okunye: Indlela Imali Yogunyaziso Yemali Esebenza ngayo
- Njani: Qinisekisa iiNgxowa kwi-Order Order
Nantoni na oyenzayo, ungaze wamukele umyalelo weemali ngaphezu kokuba ucele, uyifake imali, kwaye uthumele imali engaphezulu kwi-"customer" yakho. Loo nto ihlala igaxekile .
Emva kokuba uqinisekisile ukuba umyalelo weemali uvumelekile, yenza into (yenza imali okanye uyifake) ngokukhawuleza ukuba ukhathazeke ngokukhwabanisa. Kungenzeka ukuba umthengi wakho akhuphe umyalelo wemali emva kokuyithumela kuwe. Ukuba uhlawula umyalelo wemali kunye nomnikezeli, awukwazi ukukhanselwa. Kodwa izinto zinokudideka xa uthatha i-oda zeemali kwi-bhanki yakho-ibhanki yakho ingakunika imali okanye i-akhawunti yakho ngetyala, kodwa ibhanki inokutshintshwa ngokutsha kwintsebenzo kamva.