Ngenxa yokuba abantu ngabantu, kwaye imali yabo ibonisa oko. Abantu ngamanye amaxesha ukurhweba imali. Abantu ngamanye amaxesha abazi ukuba phi i-deposit deposit yase-$ 287 evela, ngokuchanekileyo.
Ngamanye amaxesha bayazi kakuhle ukuba i-deposit deposit ye-287 ye-$ ivelaphi, kodwa ukhetha ukuba awukwazi-nokuba ingazi ukuba umvume wokubolekwa kwemali mboleko usengozini.
Ukuqinisekiswa kweeAset
Ukuqinisekiswa kweefa, kwabo bangathatyathwa yimpahla, kuyangena. Ukuba unobumba obuninzi, kunye namawaka angamakhulu amabini anesibini ekhohlo emva kokuhlawula kwakho, awuyi kufumana inqanaba elifanayo lezinto ezifana nabanye abathengi. Umthengi wexesha lokuqala, engenako imali eyaneleyo yohambo olude ukuya kwi-IKEA emva kokuvala, unokulindela uphando olusemthethweni ngaphezu kwexesha elizayo-iinguqulelo ezingaphezulu ezilindelekileyo. Ngoko ungamangaleli igosa lakho lemboleko, olandela nje izikhokelo. Indlela elula, kunye nemali encinci yentlungu, kukuthobela. Nantsi indlela omele uyenze ngayo.
Yintoni ebhaliweyo yokuqwalasela impahla?
Iimpahla zinayo nayiphi na imvelaphi yemali oyifumanekayo, enokufumaneka kuyo nayiphi na imithombo elandelayo:
- I-akhawunti yokugcina
- IiCD
- Iimarike zemarike zemali
- Akhawunti yomhlalaphantsi
- I-akhawunti yokurhweba (amasheya kunye nezibophelelo)
Iingxaki ngeCash
Iimpahla ozibhaliweyo kwisicelo sakho sembolekiso kufuneka siqinisekiswe, kwaye umcwangcisi wakho wokuthenga imali kufuneka aqinisekise ukuba unayo imali eyaneleyo yokugubungela intlawulo yakho kunye neendleko zakho zokuvala.
Amabhanki ayadingeka ngomthetho ukuqinisekisa ukuba yonke imali kwi-akhawunti yebhanki isetyenziswe kakuhle, oko kuthetha ukuba imali ayibi. Ababolekisi abanakusebenza kunye neengxowa-mali ezingenakunikwa kumboleki.
Amabhanki kufuneka ukuba aqinisekise nayiphina i-akhawunti ngokuphonononga iingxelo ezimbini zakutshanje kuzo naziphi na i-akhawunti ezidweliswe kwisicelo semboleko. Xa kuhlaziywa iingxelo, zonke idiphozithi-akukho naluphi na umncinci-kufuneka ziqinisekiswe ngolu hlobo lwentlawulo.
Imali efaka imali kwi-akhawunti engenakunikwa ingasetyenziswa. Iifosti zekheshi zinokuyicoca yonke i-akhawunti ukuze kungabikho nenye imali kule akhawunti ingasetyenziselwa ukuthengwa kwekhaya.
Ukuba umkhuba wakho ukuhlawula imali yakho yokuhlawula, hlawula iibhokhwe zakho ngemali, uze ubeke imali eseleyo ebhankini, uyeke ngoku. Gcina isheke lakho kwibhanki yakho kwaye uthabathe kuphela imali oyifunayo ukuze ungenayo imali yokufaka imali kwi-akhawunti yakho yasebhanki.
Iimali ezingenayo
Umboleki ohlaziya ingxelo zakho zebhanki angayiphika ingxowa-mboleko ukuba kukho iindleko zengxowa-mali ezingenayo i-NSF okanye i-overdraft iindleko zokuhlawula i-ATM okanye ukuhlola okubhaliweyo kwi-akhawunti. Ibhanki ayiyi kukuboleka imali ukuba unemali eninzi ye-NSF okanye iindleko ze-overdraft kwi-akhawunti yakho.
Ukuba unesibini okanye ezimbini ezinokuchazwa kwileta, oku kulungile.
Izipho
Unokufumana isipho esivela ilungu losapho, umqeshi, okanye umhlobo wakho osondeleyo ukuze ancedise ngeendleko zokuhlawula okanye zokuvala. Kodwa oku kunokwenziwa kuphela ukuba umntu onika isipho angabonisa ukuba imali yayise-akhawunti yasebhanki ngaphambi kokuba isipho senziwe.
Umnikeli ufuna ukubonelela ngesitatimende sebhanki ebonisa imali kwaye akukho mvume enkulu. Ukuba kukho idipozithi ezinkulu kule akhawunti ngaphambi kokuba isipho sinikezwe, ezo ntlawulo kufuneka zifakwe okanye isipho asiyi kuvunyelwa.
Awuvunyelwe ukufumana izipho zemali ukuze uncedise ukuhlawula iindleko zokuhlawula okanye ukuvala ngaphandle kokuba ziqinisekiswa kwaye zivela kumthombo ovumelekileyo. Ukongeza kwisitatimende sebhanki kumniki-mali obonisa imali, uya kufuneka kwakhona unikezele ubungqina ngesipho, njengoko ikopi yesheke, kwaye kufuneka unikele ubungqina bokuba isipho sishicilelwe kwi-akhawunti yakho.
Ubungqina bokuba isipho sishicilelwe kuphela isitatimende sebhanki esibonisa idiphozithi.