Kuthiwani Ukuba Imali Yakho Yaya Kwingxelo Engalungile?
Kufuneka uhlole ibhalansi yakho yebhanki imihla ngemihla, kwaye iibhanki ezininzi zinemisebenzi ebonisa ukuhlaziywa kwexesha langempela lemali yakho (njenge-PNC Bank Virtual Wallet), ngoko uyazi kakuhle apho uma khona ngamaxesha onke. Ukuba idiphozithi yakho iya kwi-akhawunti engafanelekanga, kufuneka uqaphele ukuba ibhalansi yakho yebhanki iphantsi kunokuba ifanele ibe. Ukubamba olu hlobo lwesiphene phambili luyakuthintela ukuba uhlangabezane neendleko zokubuyiselwa okanye iirhafu ze-overdraft, ezinokuzongeza ngaphezu kweentsuku okanye kwiiveki.
Ngokukhawuleza xa uqaphela impazamo, qhagamshelana nebhanki yakho kwaye uchaze oko kwenzekayo. Ibhanki iyakudinga ikopi yerisiti yakho ukwenzela ukuba inenombolo yokuthengisana iqalise ukukhangela ingxaki, ngoko kuqikelele ukugcina zonke iirisithi zeebhanki uze uqiniseke ukuba ukuthengiselana kwacima.
Xa ibhanki iqokelele iinkcukacha eziyimfuneko malunga nediphozi engafanelekanga, zinokuphelisa ukuthengiselana kunye nekhredithi ukubuyisela imali.
Baya kuba nako ukulungelelanisa ezinye iirhafu xa uhamba phambili ngenxa yoko kwenzeka. Nangona kunjalo, oko kukungqiqo kwebhanki - kodwa akukho nto ibuhlungu ukuyibuza. Nangona le nto ibangela uxinzelelo, inceda ukuba nehlonipho kwaye uhlale uzinzile.
Kuthiwani Ukuba Imali Ingalindelekanga Ibonisa kwiAkhawunti yam?
Ukuba unemali engozini egcinwe kwiakhawunti yakho, ungayiphathi njengemvula engalindelekanga kwaye uyichithe.
Kufanele uqhagamshelane nebhanki yakho kuqala kwaye ubazise ukuba awuqinisekanga ukuba idiphozithi ivela phi. (Kufuneka uqaphele: ukuba ngaba ngabazali bakho baye bafaka iifowuni kuwe ngaphambili, qiniseka ukuba ukhangele nabo kuqala.)
Kubalulekile ukuba uqaphele ukuba xa ibhanki ifumanisa impazamo, iya kuguqula ukuthengiselana, nangona kuthetha ukuba i-akhawunti yakho iya kwi-negative. Uya kuba noxanduva lokuhlawula imali leyo. Kwezinye iimeko, kwaye ukuba inani likhulu ngokwaneleyo, unokujongana neentlawulo zobugebengu zokuchitha imali engekho eyakho.
Ndingayifumana Njani Impazamo?
Kubalulekile ukuba ulinganise i-checkbook yakho okanye uhlolisise ibhalansi yakho yangempela rhoqo. Oku kunokukunceda ukuba ubone ukungahambisani ne-akhawunti yakho, ingaba idiphozithi yengozi kwi-akhawunti yakho, inkohlakalo ephosakeleyo, okanye enye into.
Kukho umda wokuba ude ubeke ingxelo ngeentlobo zeziphene, ngoko ke kubalulekile ukuba uhlole ii-akhawunti zakho rhoqo. Umgaqo ofanayo usebenza kwiikhadi lakho lesikweletu. Kungenza kube nzima ukuhlawula imali efunekayo kwaye ungayinaki yonke inkcazelo kwisitatimende sakho, kodwa ngaba uxanduva lwakho ukuqinisekisa ukuba iintlawulo zichanekile. Ingakugcina imali eninzi xa ubamba impazamo ngaphambi kokuba ibe yinto enzulu.
Ngaba ukuhlola ukulinganisela kwam kwi-ATM?
Akwanele ukukhangela ibhalansi yakho kwi-ATM . Ibhalansi ayinakuba ibhalansi yakho yangempela kuba awuyazi ukuba yiziphi izinto eziye zacinywa kwaye ezingenayo.
Ukucwangcisa imizuzu emihlanu ngemini ukujonga ibhalansi yeakhawunti yakho kwaye uqinisekise ukuba zonke iindleko zichanekile konke okufunekayo ukuba uhlale phezulu kwimali oyinayo kwi-akhawunti yakho. Unokuzijonga kwakhona izinto emva kokuba zicime i-akhawunti yakho. Oku kukuvumela ukuba uqaphele ibhalansi yakho yangempela kwaye inokukukhusela ekubeni ungadlulanga imali kwi-akhawunti yakho. Inokukunceda ukuba ubambe iintengiso eziphosakeleyo, njenge-deposit engalunganga. Oku kunokuba luncedo ukufumanisa iindleko zombini okanye inkokhelo engalindelekanga kwi-akhawunti yakho.