Ukulinganisela Ukuhlola iiAkhawunti: I-Step by Step Guide

by Justin Pritchard

01 Fumana okulinganayo

Kubalulekile ukulinganisela ukuhlola ii-akhawunti rhoqo. Ukwenza njalo kuya kukunceda:

Ukuchonga iimpazamo ozenzayo okanye ebhanki
Bamba ubusela besazisi
Gwema ukuhlola i-checks (kunye nokulawula iirhafu ze-overdraft )

Ukuba ufumana uhlalutye, qiniseka ukwenza njalo nanini na ukuba usebenzise imali kwi-akhawunti yakho yokujonga (phambi kokuhlawula iindleko okanye ukutshiza ikhadi lakho lokubambisa kwisitoreji, umzekelo).

Kutheni ubhalisa i-Akhawunti yakho yokuhlola?

Iinjongo zokulinganisela iakhawunti yakho:

Qinisekisa ukuba uyazi ukuba unayo imali engakanani (unokujonga nje ukulinganisela kwe-akhawunti yakho kwi-intanethi, kunye ne-app, kwi-ATM, ngefowuni, okanye ngombhalo wokuphendula ngokukhawuleza)
Qinisekisa ukuba ibhanki ayilahlekanga imali okanye ikukhuphe ixabiso
Qhathanisa iirekhodi zakho kunye neerekhodi zebhanki
Thatha iimpazamo ngaphambi kokuba liphule kakhulu!

Qulunqa

Ukuze uqalise, qokelela yonke into oyakuyidinga ukulinganisa iincwadi. Indlela elula yokwenza oku ku-intanethi - uzakufuna nje ikhompyutha yakho kunye nolwazi lwe-akhawunti. Kukho iikhatyatheli ezininzi kunye nama-spreadsheets atholakalayo ukunceda.

Ukuba usebenzisa ipeni kunye nephepha, uya kufuna ezi zilandelayo:

Isitatimende samuva sebhanki
Hlola irejista (jonga ntoni iRejista yokuHlola? )
Calculator (okanye sebenzisa ikhompyutha yakho)
Uluhlu olungenanto lwephepha ukuze usebenze nalo

Qala ngokubhala ibhalansi ye-akhawunti yakho yokuphela kwenyanga ukusuka kwisitatimende sebhanki kwiphepha lakho elikufutshane negama elithi "Balance Bank".

Thelekisa i-Check Check kwi-Statement yakho

Khangela yonke into erejista yakho yokukhangela, kwaye qinisekisa ukuba iquka yonke into evela kwisitatimende sakho sasebhanki. Beka uphawu lokutshekisha elincinci malunga nezinto ezihambelanayo (faka ikhonkco kwiimpawu zombini kunye nerejista yokukhangela).

Yintoni iRejista yokuHlola?

Ukuba kukho into engekho kwirejista yakho yetshekhi, yongeza (ngaphandle kokuba ucinga ukuba yimpazamo yebhanki, kunjalo). Oku kubandakanya iimali ze-ATM, iintlawulo ze-overdraft, inzala oyifumene nayo, njalo njalo. Ukuba nantoni na ibonakala iyimarha, bhala umhla kunye nemali ephantsi kwephepha lakho ukuze ukhumbule ukuphanda.

Yongeza zonke iiphozithi kunye nokurhoxisa ukuze wazi ukuba ucinga ukuba unjani.

Fumana Iintengiso eziPhambili

Emva koko, jonga kwirejista yakho yetshekhi kuyo nayiphi na intengiso engenayo uphawu lokutshekisha elikufutshane nalo. Ezi zintengiselwano zizinto ezingabonakali kwisitatimende sakho sebhanki - mhlawumbi uya kubacima.

Uninzi kunokwenzeka, oku kuhlolwa ngokuthe ngqo . Iimvavanyo ezivelele zihlola ukuba ubhalele kumntu othile, kodwa abazange bafake (okanye isheke esithengiweyo asizange senze ngendlela yokubhankanya inkqubo ngexesha lakho loxwebhu lishicilelwe).

Yongeza zonke iiphozithi ezigqityiweyo (idiphozithi ngqo kwi-payroll yakho, iipositi ozithumele ebhanki kodwa ezingabonakali okwamanje, njl.). Bhala le nombolo kwiphepha lakho elikufutshane ne "Deposits".

Bese ukongeza zonke iirejista ezigqityiweyo (uphononongo oluthile olubhaliweyo, ukurhoxiswa kwekhompyutha ngokuzenzekelayo owaziyo kwenzekile ukususela xa isitatimenti sinyathelisiwe, njl). Bhala le nombolo kwiphepha lakho elibhekiselele ku "Ukurhoxiswa".

Sebenzisa iiNombolo

Unamanani amaninzi kwiphepha lakho. Ngoku masisebenze kunye 'em.

Ukusebenzisa i-calculator yakho, yenza oku kulandelayo:

Qala nge zero
Yongeza "i-Bank Balance"
Yongeza "iifosti"
Ukukrazula "Ukurhoxiswa"

Isiphumo kufuneka sibe semali ecacileyo oyibonakalisa kwirejista yakho yokutshekisha.

02 Ukulungisa iimpazamo kunye neengxaki

Ukuba inani alifani, kufuneka ufumanise isizathu. Ukuba ufumana ukukhwabanisa okanye ikophu yebhanki, qha ga mshelana nebhankini - mhlawumbi unokuba uhlala neengxaki.

Uhlala ukhuselekile kwiintengiselwano ongenanto . Nangona kunjalo, ungadinga ukuba usebenze ngokukhawuleza: xa ulinde ixesha elide, uxanduva lwakho luba lukhulu. Ukuba ulinde ngaphezu kweenyanga ezimbini ukufumana nokubika ingxaki, unokufuneka ufumane ilahleko.

Ngethamsanqa, iimpazamo kunye nobuqhetseba abunqabile. Kwiimeko ezininzi, iinombolo aziyi kuhambelana ngenxa ye:

Iimpazamo zeArithmetic
Ulahlekelwe umrhumo okanye intlawulo yenzalo
Amanani atshintshiwe okanye "iminwe yeoli" (345 iba 354)

03 Fumana iNtloko yeNtloko

Isihluthulelo sokuhlala ngokulinganisela kwenza kube lula kuwe. Oko kuthetha ukufumana indlela yokufumana ulwazi ngendlela oyisebenzisayo ngayo, kwaye ukwazi ukushaya umhlaba osebenzayo. Ukuba kufuneka uchithe ixesha nganye ngenyanga ukufumana kwakhona inkqubo kunye nokulungiselela yonke into, unganamathuba okulinganisela i-checkbook yakho.

Akukho ndlela engcono yokwenza oku, ngoko ubale oko kukusebenzelayo. Ukuba ufuna ukusebenzisa iphepha, kuhle. Ngaba ufuna ukwakha ispredishithi? Kakhulu.

Kuyinto enhle ukwazi malunga nokuthengiswa njengoko kuvela, oku kunokunciphisa inani elichitha ixesha lokuphanda inyanga nganye. Beka izilumkiso zesicatshulwa kwi-akhawunti yakho yasebhanini ukuze ukwazi ukuba nini na ukukhutshwa kwe-electronic electronics (baya kuba bakhawuleza engqondweni yakho xa kufika ixesha lokulinganisela iincwadi). Izaziso zenza kube lula ukufumanisa ubuqhetseba kunye neziphene, ezinokukugcina ixesha.