Kutheni kwakulula? Sasihlolisise iakhawunti ngeencwadi zokukhangela kwaye sinee-akhawunti zokulondoloza. Amakhadi e-Debit awazange abekho, ngokusemthethweni baqala ngo-1978, kodwa inguqu esiyaziyo namhlanje, ayizange iqale ukunikezelwa kwada kwaqala ngawo-1980.
Kwakhona sasingenayo imali yokuhlawula i-intanethi, okanye iinkonzo zeselula okanye nakwiibhanki ze-intanethi. Ngokuqinisekileyo kwafuneka singene kwibhankini, silandele ibhalansi okanye silinde isitatimende sethu ukuze sibone ukulinganisela kwincwadi yethu yokutshekisha.
Ngenxa yokuba ezi zinto zizinto ezintsha, asikwazi ukuba nini ukufundisa abantwana bethu malunga nezixhobo ezintsha. Ngenxa yoko ndihlala ndifumana lo mbuzo - xa umntwana wam kufuneka athole ikhadi lokubambisa?
Impendulo emfutshane kukuba-xa befumana i- akhawunti yokujonga , endiyincoma ukuba ndiyenze malunga nexesha lokungena esikolweni esiphakeme okanye ukufumana umsebenzi oqhelekileyo.
Ngoku ngoku impendulo ende, ngoko unokuqiniseka ukuba uyasenza isigqibo sokunika umntwana wakho ikhadi lokukhwabanisa.
Yeka ukujonga njengento ekhethekileyo
Sibheka into yekhadi lokubambisa njengento ehlukile kunye neyodwa - kuba asizange sikhule nabo. Nangona kunjalo, ahluke, ahlukile okanye akhethekileyo. Ziyingxenye eqhelekileyo yokulawula imali yakho namhlanje, kwaye ngoko kufuneka iphathwe njengaleyo.
Umntwana wakho kufuneka afunde indlela yokuphatha imali kunye nokujonga iakhawunti ngendlela abaya kuba nayo xa bephuma ekhaya.
Abayi kubhala inani lokuhlola esiyenzileyo, baya kusebenzisa iibhanki nge-intanethi kwaye baza kusebenzisa iiprogram ezingaphezu kweyethu. Ngoko nje ngokuba kufuneka bafunde indlela yokuqhuba ngokuba kufuneka baqhube ubomi babo bonke, kufuneka bafunde ukulawula ikhadi lokubambisa kuba baya kusebenzisa ubomi babo bonke!
Ngokukhawuleza ukuba baqale ngokukhawuleza banokukwazi ukuqonda isakhono esisiseko sokugcina i-checkbook efanelekileyo.
I zi lumkiso
Abanye abantu bakhetha ukusebenzisa ikhadi elihlawulwa ngaphambili esikhundleni sekhadi lokubambisa umntwana wabo.
Ndiyincoma kakhulu ukuba unqumle ikhadi elihlawulwe kuqala kwaye usebenzise kuphela ikhadi lokudibanisa eliboshwe kwi-akhawunti yakho yokukhangela kwengane, kunye nawe njengombhalisi odibeneyo. (Iibhanki ezininzi zifuna ukuba uneminyaka eyi-18 ukuvula i-akhawunti yakho.)
Kukho izizathu ezibini ndincoma oku:
- Amakhadi ahlawulwayo agcwele imirhumo ofuna ukuyibeka iliso, iirhafu ezingaphezulu kuneakhawunti yokujonga.
- Ufuna ukuba bafunde yonke inkqubo; ukuhlola, ii- ATM , idipozithi, ukuhoxisa konke okufunekayo ukulawula imali yabo imihla ngemihla. Awukwazi ukwenza oku ngekhadi lokubhadela. Enyanisweni awukwazi ukwenza oko nje nge-akhawunti yokujonga kwaye akukho khadi yokukhangela. Ngesinye isikhathi bafuna ukufunda indlela yokwenza konke, kwaye kungcono ukuba oko kwenzeke kunye nawe ojongayo.
Enye into ekumele uyigcine engqondweni, xa ubeka ikhadi labo lokubambisa kukuqinisekisa ukuba ibhanki ayivunyelwe ukugunyaza ukuthengiswa komntwana wakho engenayo imali. Uya kufuneka uphume kule nto xa uvula i-akhawunti, ngoko funda yonke into ngokucophelela kwaye uqinisekise ukuba awusayineli iinkonzo ze-overdraft.
Ukuba awuyiqondi into oyayinayo yenza ukuba ibhanki ikuchazele yona ngokubanzi!
Ekugqibeleni xa ugqiba ixesha lokunika umntwana wakho ikhadi lokukhwabanisa kufuneka ukhumbuze ukuba injongo yakho ekufundiseni abantwana bakho ngemali kukubanceda bakwazi ukulawula ngokupheleleyo imali yabo xa bephuma ekhaya. Oku kubandakanya amakhadi e-debit, ke qiniseka ukuba ubapha elinye ixesha lokuba bafunde ngelixa usabancedisa.