Akunjalo into efanayo!
Ndandifumene umbuzo omkhulu kumfundi ondifuna ukuwabelana naye. Umfundi uyabuza:
"Ndiyayithiya inkokhelo yokuhlawulwa kwe-overdraft ... (I) gcina imali eyongezelelweyo kwi-akhawunti yam yasebhanki ngoko andingayikhokheli. Ngaba le ngxowa-mali yongxamiseko ? "
Umbuzo omkhulu. Umfundi ucela ukuba i-cash stopper ehlala ehloliseni i-akhawunti ukukhusela kwi-penalties engenakhoyo-mali ingabonwa njengenxalenye yengxowa-mali yakhe.
Impendulo emfutshane: hayi. Nasi isizathu.
Yiyiphi iNgxowa-mali eNgxamisekileyo?
Enye yemithetho ephezulu kwimali yonyango kukuba kufuneka ugcine ingxowa-mali yengxamisekileyo.
Uninzi lwemali engxamisekileyo kufuneka lukwazi ukufikelela kwiinyanga ezi-3 ukuya kwezi-6 zeendleko zokuhlala. Ukuba unomsebenzi ongaqinisekanga apho i-paycheck yakho ixhomeke kakhulu kwiikomishoni kunye neebhonasi, okanye ukuba unkonkontrakta okanye u-freelancer, okanye ukuba usebenza kwishishini elincinci, unokufuna ukwandisa i-fund yakho ukukhupha iinyanga ezi-6-9 iindleko zokuhlala.
Le ngxowa kufuneka isetyenziswe kuphela ukuhlawula iindleko ezitshitshisayo . Izinto ezifana nokulahlekelwa ngumsebenzi, isibonelelo esibhedlele esibhedlele, okanye ibhajethi enkulu yezilwanyana kwintja enempilo, eneminyaka elilodwa.
Ngamanye amagama, ingxowa-mali yongxamiseko isebenza ngenjongo yokufaka iindleko ezingalindelekanga. Nawaphi na iindleko onokuzilindela - ezifana neendleko zokulungisa imoto (yonke imoto iya kuphuka rhoqo ngexesha) - kufuneka ihlawulwe kwi- fund ejoliswe ngokukodwa kule njongo .
Yintoni iCushion?
I-cushion, ngokuchaseneyo, ibhalansi ohlala kuyo kwi-akhawunti yakho yokulondoloza ukuze uzikhusele kwiimbuyekezo ezingenayo-mali kunye ne-overdraft .
"Ithetha ntoni le nto?"
Makhe sicinge ukuba unayo imali eyi-1 000 kwi-akhawunti yakho yokujonga.
NgoMvulo, ubhala isheke e-$ 200, uhlawula i-bill yakho ye-credit card kwi-$ 400, kwaye uswayipha ikhadi lakho lokubambisa kwi-$ 400.
Ekupheleni kosuku ngoMvulo, unayo imali eyi-1 000 yeemali ezilindelekileyo eziza kuncitshiswa kwi-akhawunti yakho yokujonga.
Masithi inkokhelo yentlawulo yeekhredithi ze-credit card yase-$ 400 kunye nekhadi le-$ 400 yokubhatala ngekhadi lokubhatala kokubili ngoLwesibili. NgoLwesithathu, uhlola i-akhawunti yakho kwaye ubone ukuba unayo i-$ 200 apho.
Ungumuntu oxakekile ngezinto ezininzi engqondweni yakho; Ulibale ukuba ubhale i-200 yee-check eqhubekayo. Ucinga ukuba i-$ 200 kwi-akhawunti yakho yokujonga ingeyakho yokuthatha, ngoko uhoxisa i-$ 40 kwi-ATM.
Kamva ngaloo mini, umntu uzama ukuhlawula isheke-kodwa ngoku unayo ibhalansi ye-$ 160. Ngamanye amazwi, unayo imali enganeleyo. I-check is bounces kwaye ibhanki yakho ityala imali engama-dollar ayi-35 ye-overdraft.
Kutheni ufuna iCashon Cashon
Ungakuphepha njani oku ? Gcina umgca kwi-akhawunti yakho yokujonga. Abanye abantu bagcina umkhombane oncinci njenge-$ 100; abanye baziziva bekhuselekile xa banayo i-$ 1,000 e-akhawunti yabo. Isixa esincinci ofuna ukuyisebenzisa ukulandelela izilinganiso zakho , i-cushion yakho inkulu kufuneka ibe.
Le khokhethi ibhanki yakho yokuhlawula ibhalansi. Xa i-akhawunti yakho yokujonga idibanisa ngaphantsi kweso sikhokhelo, kufuneka uzicabangisise ngokwengqondo ukuba "uyadluliselwa."
Awuyikhokhwa ngemisebenzi kwi-bhanki; awuyi kuhlawula nayiphi na ithenksi okanye ufumane ukubethelwa nayiphi na isohlwayo esingenayo imali. Kodwa xa udibanisa ngaphantsi kwe-cushion yakho, kufuneka uqikelele ukuba ubambe umlinganiselo we "zero" engqondweni yakho.
Ukusebenzisa umzekelo ofanayo olapha ngentla: Makhe sicinge ukuba "umkhonto" wakho uyi-$ 300. Yintoni eya kwenzeka?
Indlela yokugcina iCashion Cushion inokukunceda njani iiMali zakho
Okokuqala - Ukuba unayo i-$ 1,000 kwi-akhawunti yakho, awuyi kubakhokhela intlawulo ye-$ 1,000 ngoMvulo. Ucinga ngengqondo yokuba i-akhawunti yakho yasebhanki ibamba i-$ 700 kuphela, ekubeni enye i-300 i-cushion engahlawulelwayo. Usenokuba uzime ukuthenga into ethile ngekhadi lakho lokubambisa ngaloo mini.
Okwesibini - Ukuba wenze ngokungalunganga ukwenza intlawulo ye-$ 1,000 ngoMsombuluko, uyayiphawula impazamo yakho ekukhangela ibhalansi yakho kwaye ubona kuphela i-$ 200 ekhohlo yakho.
Oku kwakuza kususa i-alamu entlokweni yakho, ekubeni loo mali ingaphantsi kwe-cushion yakho. Awuyi kuhoxisa imali engaphezulu kwi-ATM. Endaweni yoko, uya kukhwela ukufaka imali kwi-akhawunti yakho yokukhawuleza ngokukhawuleza, uzalise umtya wakho.
Umxholo: I-cushion ibhalansi elincinci (i-$ 100- $ 1,000) ogcina kuyo kwi-akhawunti yakho yokukhangela ngenxa yokuphepha i-overdrafts. Ingxowa-mali yokukhawuleza ibhalansi enkulu enigcina ngayo kwi-akhawunti yokulondoloza ngenxa yokukhwelisa kwiimeko ezinzima ezifana nokulahleka komsebenzi. Ezi ziingcamango ezihlukeneyo; i-cushion yakho ayikho i-fund yexakeka.