Inkcazo kunye neengcebiso
Ukujonga i-Akhawunti yeBakala
I-akhawunti yokutshekisha i-akhawunti yintengiselwano, oko kuthetha ukuba imali ayiyi kuhlala kwi-akhawunti ixesha elide. Ezi akhawunti zenzelwe ukwenza kube lula ukuyichitha kwaye uhambise imali yakho.
Akukho mingcipheko (kwiinkcukacha ezininzi kwi-akhawunti yakho) malunga nokuba zininzi iintengiso ezenzekayo kwi-akhawunti yakho; ezinye i-akhawunti, njenge-akhawunti yokulondoloza kunye nee-CD , unciphisa ukufikelela kwakho kwimali.
Ngenxa yokuba uhlolisise ii-akhawunti zigcina imali yakho, ihlala isetyenziswe njengebhokisi "ebhokisini" ebomini bakho bezemali: uya kufaka imali yakho kwi-akhawunti yokukhawuleza (okanye umqeshi wakho akwenze ngekhompyutheni) kwaye ususe imali ejikeleze Pha. Ezinye zazo zingasuswa kwi-akhawunti yokulondoloza okanye i-akhawunti yomhlalaphantsi, kwaye ezinye ziya kuchitha.
Ukuchitha imali
Ngaba kulula kangakanani ukuchitha imali kwi-akhawunti yakho yokujonga? Unamathuba amaninzi:
Fumana imali: unako ukurhoxisa imali kwi-akhawunti yakho yokujonga ukuchitha. Unokwenza oku kunye nomgcini webhanki, okanye kwi-ATM eninzi kakhulu kwihlabathi.
Bhala isheke: kuthiwa yi "akhawunti" yokujonga, emva koko konke. Bona indlela yokubhala isheke .
Ikhadi lokudibanisa: unokwenza nokuthenga ngekhadi lakho lokubambisa, elikhadi leplastiki elifana nekhadi lesikweletu (ngokubanzi malunga nendlela esebenza ngayo, funda oku ).
Imali iya kuvela kwi-akhawunti yakho yokukhangela ngekhompyutha, kwaye akuyi ku funeka ujongane naluphi na utshintsho.
Ukuhlawula iibhilidi kwi-intanethi: ezininzi iibhanki kunye neemanyano zeentengo zemali ziquka intlawulo ye-billing online kunye ne-akhawunti nganye yokujonga. Esikhundleni sokuba ubhale ukuhlola kwaye uwaye kwi-imeyile, unokuhlela iintlawulo kwi-intanethi - unokukwazi ukuzenzekelayo iintlawulo zakho ukuze ziphume ngokuzenzekelayo.
Bhatala ngekhompyutheni: endaweni yokuba ibhanki yakho iqale iintlawulo, unokubonelela ngolwazi lwakho lwe-akhawunti yokukhangela kunoma ubani ofuna ukuhlawula. Baya kuthi bathathe imali kwi-akhawunti yakho (njengento yokuthenga ngexesha elilodwa, okanye intlawulo ephindaphindiweyo).
Ukuhlolwa kweKhuseleko kwiAkhawunti
Imali kwi-akhawunti yakho yokukhangela ikulungele ukuya, kodwa ikhuselekile. Ukucinga ukuba ibhanki yakho okanye inkontileka yekhredithi iqinisekisiwe ngokusemthethweni, imali yakho ikhuselwe kwaye ingasetyenziswa kuphela (funda ngokubanzi malunga ne- inshorensi yokubambisa i- bhanki kunye nomshuwalense wemanyano yesikweletu ). Akunandaba nokuba ibhanki iphangwa okanye ihamba ngesisu - awuyi kulahlekelwa nayiphi na imali ekhuselweyo.
Ukuba ugcina imali ngeenxa yokushiya kwi-akhawunti yokujonga, uthatha ingozi. Unokuphangwa, unako ukubeka imali kwindawo leyo, okanye imali yakho ingatshatyalaliswa (emlilweni, umzekelo). Ukujonga i-akhawunti kubeka yonke ingozi ebhankini.
Iintlobo zokuhlola iAkhawunti
Ukuhlola i-akhawunti kuza ngeendlela ezahlukeneyo. Ibhanki yakho inokunika iinketho ezininzi ngeempawu ezahlukileyo (njengencwadi yenkokhelo yokukhangela, ukuhlawulwa kwentlawulo ye-intanethi kunye neenkonzo ezahlukeneyo). Uninzi lweebhanki linikezela ngekhadi lokubhadela ngaphandle kokuhlawulwa.
Ukuhlola i-akhawunti kungabakho-akhawunti ngabanye - okanye ngabanye abantu-kwaye bangabinemibutho (amashishini, urhulumente, ukungenzi nzuzo kunye nezinye izinto).
Ukujonga iindleko zeAkhawunti
Ngokwesiko, ukujonga i-akhawunti "ikhululekile," kodwa iingxelo ezintathu aziqhelekanga kunokuba zihlala zikhona. Ingaba uhlawula iimali zenyanga okanye awukho, uhlawula iindleko zithuba ukusebenzisa i-akhawunti yokutshekisha: uya kufumana inzala encinane okanye akukho nxaxheba ngaphandle kokuba usebenzise into efana nomvuzo ukujonga i-akhawunti .
Ukuba ufuna ukujonga i-akhawunti ngaphandle kwemali yenyanga, kufuneka ufumane enye. Amaziko amancinci kunye neebhanki ze-intanethi ziindawo ezifanelekileyo zokujonga. Ngaphandle kweebhanki ezinkulu, unakho ukufumana umrhumo wokuhlawula imali ngokubeka idipozithi ngqo kwi-akhawunti yakho (okanye udibana nezinye iimfuneko).
Kuphi ukuvula iAkhawunti
Kubaluleke kakhulu ukuba ube ne-akhawunti yokukhangela, ngoko ufanele uvule kuphi? Fumana ibhanki egcina iimali ezincinci kwaye kulula ukusebenzisana nayo. Kubantu abaninzi, i - akhawunti yezitena kunye ne-mortar iyimfuneko: uya kufuna indawo onokuyifumana kuyo umntu (nangona ungacwangcanga ukwenza njalo).
Qala ukukhangela ama-akhawunti kumabhanki amancinci angingqi malunga noluntu lwakho - banakho ukubonelela nge- akhawunti.
Qinisekisa ukuba ufaka iimanyano zetyala kwi-search yakho . La maxesha ngamanye amaziko anemali ephantsi ekukhangela i-akhawunti (kwaye bahlala befumana amaxabiso athile kwimali-mboleko). Ngaphezu koko, ukuba inyunyana yemboleko iyinxalenye yentanethi ekwabelwana ngayo, uya kuba namagatsha amaninzi afumaneka ukusetyenziswa kuwo wonke umhlaba .
I- akhawunti yokujonga i- intanethi yinto efanelekileyo (kodwa ezinye zifuna ukuba unayo i-akhawunti yezitena kunye ne-mortar ngaphambi kokuvula i-akhawunti yakho ye-intanethi). I-Ally Bank kunye ne- Capital One 360 zibhanki ezi-intanethi ezixhaphakileyo zinikezela ukukhangela, kwaye unokufumana inzala kwiimali zakho. Ukuba ungoko-tech-savvy kwaye unqabile ufune uncedo kumtshi, i-akhawunti yokujonga i-intanethi ingakunceda ufumane ngaphezulu xa ugcina imali yakho.
Iingcebiso zokusebenzisa i-akhawunti yokuhlola
Yisebenzise imihla ngemihla kodwa ngokukhawuleza: kwakhona, le ngcamango kukusebenzisa kuphela i-akhawunti yokukhangela ngemali onenjongo yokuyichitha kusondele. Yonke into kufuneka ingene kwi-akhawunti yakho yokulondoloza okanye enye i-akhawunti eyenzelwe iinjongo zexesha elide.
Gcina uxhaswa ngemali: ukuze usebenzise i- akhawunti yakho yokutshekisha, uya kufuneka ube nemali kuyo. Ukuba ubhala amasheke okanye ubhalisele iintlawulo ngeemali ezinganeleyo, unokungena enkingeni uze uhlawule umrhumo ophezulu. Qinisekisa ukuba uyazi ukuba imali iyafumaneka ngaphambi kokuba uchithe (ungayifumana loo nto xa ulinganisela i-akhawunti yakho ).
Yazi okukhethwa kukho kwe-overdraft: kwenzekani ukuba uzama ukusebenzisa imali engaphezulu kunayo kwi-akhawunti yakho? Kuxhomekeke ukuba okanye ungayibhalisanga ukukhusela i-overdraft. Funda nayiphi na imigaqo-nkqubo ye-overdraft ngokucophelela ukuze wazi ukuba kuya kuba neendleko kangakanani xa uhamba ngaphezulu ( ukukhuselwa kwe-overdraft kunokubiza, ngoko ke ungayibhalisela kuphela ukuba kuqondakala).