Ukuba awusebenzisi isofthiwe somntu wezezimali, irekhodi leemali zakho zentengiselwano mhlawumbi ziza kubhaliswa kwiphepha oza kuhlaziywa, njengerejista yokukhangela .
Ukuba usebenzisa isoftware yezemali , iirekhodi zakho zokuthengisa zikwimeko yeerejista zakho zeakhawunti.
Kutheni Ufanele Ulungelelanise IiAkhawunti?
Ukuthatha ixesha lokuqhathanisa ukuthengiselana kunye nezilinganisi kuyafaneleka ngenxa yokuba kuya kunceda ukuphepha i-overdrafts kwi-akhawunti yekheshi okanye ukuwela umda wakho kumakhadi-mboleko. Oku kuya kukunceda ukuba uhlawule umrhumo ophezulu kakhulu kunye no- overdraft .
Ukuvumelanisa ii-akhawunti kunye nokuthelekisa ukuthengiselana kukukunceda ukuba ufumene iimpazamo kwiintengiselwano, iifayili kunye nezenzo zobuqhetseba. Iikhampani zekhadi zemali-mboleko aziyi kukuthwala uxanduva lokunyanzela, kodwa abantu abaye bemba ukunxibelelana okanye ubuncinci bakhangele kwi-statement nganye yeakhawunti bangalahlekelwa yimali eninzi ngexesha elifanelekileyo xa iintlawulo ezincinci ezingagunyaziswanga zenziwa rhoqo ngabaphuli-mthetho.
Uninzi lweebhanki luya kuxolela inani elithathwe kwi-akhawunti yakho xa umntu eba uhlolo lwakho kwaye ubika ingxelo ngokukhawuleza, kodwa oku akunjalo ngaso sonke isikhathi ngekhadi le- ATM .
Ukulungelelanisa i-akhawunti yakho inyanga nganye yindlela efanelekileyo yokuphepha ezi ndleko.
Indlela yokubuyisela kwakhona iiAkhawunti zakho
Xa usebenzisa isofthiwe yezemali yokuhlaziya i-akhawunti, isofthiwe yenza yonke umsebenzi kuwe, ikugcine ixesha elide. Ininzi yesofthiwe ye-intanethi ye-intanethi idibanisa iakhawunti.
Nangona kusetyenziswa isofthiwe yokudibanisa i-akhawunti, yinto efanelekileyo yokuqonda inkqubo:
- Thelekisa iirejista yakho kwi-bhanki yakho okanye enye ingxelo yezimali kwaye uhlawule intlawulo nganye kwaye ubeke kwiRejista yakho xa ihambelana nesitatimende. Ukuba usebenzisa ubuxhakaxhaka kwiprosoft software, usebenzise nje imouse yakho ukuba uhlole izinto ezicacileyo.
- Ukuchonga ukuhlola, ukuthengiswa kwe-ATM kunye neentlawulo ozinayo kodwa ezingabhalwanga kwisitatimende seakhawunti yekhadi lesikweletu. Susa ezi zinto kwi-balance balance statement (isofthiwe yezemali yenza le nyathelo kuwe). Imirhumo yokubukela iquka ezo zokushicilela ukutshekisha, iintlawulo zeenkonzo ze-ATM, kunye neengxowa-mali ezinganeleyo (i-NSF), i-overdraft okanye ngaphezulu kwemida.
- Fumana idipozithi kunye neengxelo zemali ezingabhalwanga liziko lezemali okwangoku kwaye zongezelele kwi-balance balance statement (isofthiwe yezezimali isebenza ngale nyathelo kuwe). Ukuba unayo i-akhawunti ethwele inzala kwaye uxolelanisa iiveki ezimbalwa emva komhla wekota, ungadinga ukongeza inzala.
- Akufanele ufumane iimpazamo zebhanki rhoqo, kodwa ukuba kukho naziphi na iimpazamo, imali kufuneka ifakwe okanye isuswe kwibhalansi yakho. Xhagamshelana nebhanki ngokukhawuleza ukubika nayiphina impazamo.
- Ibhalansi yesitatimende esitsha kufuneka ngoku ilingana nemali kwiirekhodi zakho. Ukuba akunjalo, kuyakufuneka udibanise ukuthengiselana ukuze uqinisekise ukuba kufuneka yini utshintshwe ukuze ulandele iirekhodi.
Ukuze ufunde okungakumbi, khangela isifundo sethu esifutshane: Isikhokelo seNyathelo ngeNyathelo kwi-Balancing Checking Accounts .