Nangona umyalelo weemali , ukuhlolwa kwebhanki, kunye nokuhlawula i-cashers akuqhelekanga njengokuba babeqhelekile, uya kusenokwenzeka ukusebenzisana nabo ngexesha elinye ebomini bakho. Nantsi ingqungquthela yezinto ofuna ukuzazi malunga ngamnye.
01 Ukungafani phakathi koMyalelo weMali, iBhanki Hlola, kunye neCashier Check
Umyalelo wemali nguxwebhu, olufana nesheke, esetyenziselwa ukuhlawula . Ekubeni zihlawulwa iintlawulo, iifom ziqwalaselwa njengeendlela eziqinisekileyo zokuhlawula, (nangona ngamanye amaxesha zisetyenziselwa ukukhwabanisa, ngoko qi niseka ukuba uqaphele xa usebenzisa imali.)
Iimali zeemali aziqhelekanga njengokuba zisetyenziselwa ukutshintshela ngokuzenzekelayo, kunye neenkonzo zokuhlawula i-Intanethi njenge-PayPal.
Ikhonkco yecashier, ebizwa ngokuba yisesheke yebhanki, enye indlela yokuhlawula njengoko ikhutshwe kwaye iqinisekiswe yibhanki. Nangona kunjalo, iitshekethi zecashier zinomda ophezulu kuneemali zamaphepha, ngoko zinokusetyenziswa kwiintengo ezinkulu, njengentlawulo ephantsi kwindlu. Kodwa iibhanki zinokubamba amaxabiso angaphezulu kwama-5,000.
02 Ukuthengwa kwemali
Unokuthenga umyalelo weemali kwi-bhanki yakho okanye kwimanyano yamatyala . Ungathengela umyalelo wemali ngeposi okanye nakwamanye amashishini awanikezelayo. Iimali zemali zithengwa kwiivenkile zokutya, iibhanki kunye neemanyano zentengo , izitolo ezilula, kunye nee-Post Post zase-US.
Xa uthenge umyalelo weemali, ibhanki iya kwamkela imali okanye ihlawulwe ngqo i-akhawunti yakho. Uninzi lweebhanki lihlawula intlawulo yemirhumo yemali , nangona iyakuthi ikhuphe imali xa unemizekelo ethile yeakhawunti kunye nabo.
Xa uthengisa umyalelo weemali, uya kuyidinga imali yemyalelo kunye negama lomvuzo. Gwema ukwenza i- order order imali , kwaye rhoqo ugcine irisidi yakho. Kwakhona, isixa esiphezulu somyalelo weemali ngu-$ 1,000 .
03 Ukusebenzisa nini iMyalelo yeMali
Umyalelo wemali ulungele ukusebenzisa xa uyazi ukuba uza kuthenga enkulu kwaye awufuni ukuthwala imali. Eli liza kuba lixesha oya kusebenzisa umyalelo weemali xa ikhadi lakho lokubambisa okanye isheke lomntu siqu lungeke lamukelwe, kwaye inani likhulu kakhulu ukuphatha imali. Ukuba uthengisa imoto okanye wenze ukuthenga okukhulu ngokuhlengahlengiswa, ungathenga i-oda ezininzi zeemali ukuba isixa singaphezu komda obekwe kwibhanki yakho.
04 Ukufumana iCasher's Check okanye iBhank Check
Unokufumana isheke kwikarashi yakho kwibhanki yakho okanye umanyano wekhredithi, kwaye ihlawuliso iya kuba nge-$ 8. Uyakufuna ukubonisa oku kulandelayo ukuze ufumane isheke somthengisi : i-ID evumelekileyo, imali ekhoyo kwi-akhawunti yakho, kunye nesixa sitshekethi, ngubani oza kuhlawulwa kuyo, nantoni na ongathanda ukuyifaka kwi-memo isahlulo somtshini wekhenksi.
Emva kokuba ufumane isheke senkampani, imali iya kususwa kwiakhawunti yakho ize idluliselwe kwi-akhawunti yebhanki. (Yiloo ndlela baqinisekisa ngayo ukuhlawula.) Emva kokukhangela isheke okanye ifakwe ngumvuzo, ke imali iya kususwa kwi-akhawunti yebhanki.
05 Xa usebenzise i-Check Cashier's Check or Bank Check
Umele usebenzise i-checksheet okanye i-chess esemthethweni xa usenza ukuthenga okukhulu kwaye usebenzisa imali ayiyi kusebenza. Ngokomzekelo, abaninzi abantu basebenzisa isheke kwikarashi xa behlawula intlawulo endlwini, kuba imali leyo inkulu kakhulu ukuba ithwale imali.
Iibhanki ezininzi ziza kukhupha isheke lomthengi kumthengi. Ungasebenzisa olu hlobo lokutshekisha ukuzama ukuphepha ukubambelela kwiimali ozifakayo. Oku kuyinyani ngokukhethekileyo ukuba ufuna ukuphepha ukubamba ukuhlolwa kwe-out-of-state . Ngokwesiko, iitshekhi zecashier zibhekwa njengendlela yokukhokha ekhuselekileyo kunokuba isheke sakho, kuba imali iqinisekisiwe. Zikhuselekile kuwe kuba zingenayo inombolo yakho ye- akhawunti .
06 Ukwamkela iMyalelo yeMali, i-Checker's Check, okanye i-Bank Check
Unokwamkela umyalelo wemali okanye isheke lebhanki xa uthengisa into enkulu enjengemoto kumthengisi wangasese. Oku kuya kukukhusela kuba imali iqinisekisiwe nje ngokuba umyalelo weemali okanye isheke lebhanki livumelekile kwaye akukho zintlawulo zekhefu ezifakwe kwisheke.
Kwakhona khumbula ukuba xa uthengela isheke okanye umyalelo we-cash, kunzima ukuyikhansela.
07 Gwema iikratshi
Kukho iintlobo zeenkcenkcesha ezijikelezayo zokusebenzisa iilaydi zemali okanye iicashier's checks. Ukukhwabanisa kukubandakanya ukunika isheke ukuze ufake i- akhawunti yakho yokujonga , ngoko kukuyala ukuba uhoxise imali kwaye uthumele isabelo kumthumeli.
Umyalelo wemeko woqobo okanye i-checksheet isicacisi, kwaye ushiywe ngaphandle kwemali oyibuyisele yona, kunye nayo nayiphi na imali onokuyichitha ukusuka kwisiqalo sokuqala njengoko ucinga ukuba yiyakho ukugcina.
Khumbula, ukuba kukho into engafanelekanga malunga neemeko okanye izandi ezilungileyo kakhulu ukuba zibe yinyani, ingaba yinto yokuqhayisa.
Ukuhlaziywa nguRachel Morgan Cautero .