Iimali ezikhoyo
Ibhalansi yakho ekhoyo yimalini ongayichitha ngoku ngoku.
Unokucinga ngathi "ngemali ekhoyo yokurhoxisa," kodwa kukho iindlela ezininzi zokusebenzisa imali.
Ukurhoxisa imali: ungayithatha loo mali ngaphandle kwe-akhawunti yakho ngenkokhelo, mhlawumbi kwi-ATM okanye nge-beller. Ukuba usebenzisa inyunithi yemboleko echaphazelekayo kwi-branching eyabelanayo, unako ukurhoxisa imali kwiimanyano zabasebenzi zemboleko kwilizwe lonke .
Sebenzisa kunye nekhadi lakho lokubambisa: ikhadi lakho lokubambisa likhangela kwi-akhawunti yakho yokujonga, ngoko unokusebenzisa kuphela ukuba unayo imali. Swayipha okanye faka ikhadi lakho kumfundi wekhadi, okanye wenze ukuthenga nge-intanethi ngaloo mali.
Bhala isheke: iireki zixhaswa ngemali kwi-akhawunti yakho yokujonga. Ukwahlukana kukuba kungathatha iintsuku zoshishino (okanye ngaphezulu, ukuba umvuzo wakho ulinde ukufaka isheke) ukuba loo ntlawulo iboniswe kwi-akhawunti yakho. Xa ubhala isheke, kufuneka ucinge ukuba imali ayisayikhoyo - nangona ibhanki yakho ithi ungayichitha loo mali.
Oku kuyinto ofuna ukuyilandela yona, kwaye oko kulula ukuba usebenzisa irejista yokukhangela okanye ulinganise i-akhawunti yakho rhoqo .
Ukuhlawula umrhumo-mali: imali efumanekayo ingasetyenziselwa ukuhlawulwa kwebhilikhi ye-intanethi (nokuba udala inkokhelo evela kwibhankini yakho okanye ibhiliki yakho icela ibhanki yakho ngemali.) Ukuba ngababhanki bakho baxhuma kwi-akhawunti yakho ngokuzenzekelayo, qi ni sekise ukuba ugcine imali eyaneleyo ngesandla.
Asekho
Ngamanye amaxesha uya kubona ibhalansi ekhoyo ephantsi kwe-akhawunti yakho. Kuloo matyala, unokuchitha kuphela ibhalansi yakho ekhoyo (okanye ngaphantsi ukuba uhlolisise i-check ), kwaye yonke imali ibanjelwe kwibhankini yakho .
Kukho izizathu ezibini ze-balance balance available:
- Iifosti kwi-akhawunti yakho azange zisuse
- Kukho ukurhoxiswa okanye ukugunyazwa kwi-akhawunti yakho
Iifosti: xa ufaka imali kwi-akhawunti yakho, ibhanki yakho ingenakukuvumela ukuba usebenzise imali ngokukhawuleza. Abayazi ukuba intlawulo ivumelekile, kwaye imali ithatha iintsuku eziliqela (ubuncinane) ukuthumela. Ngokubanzi ungasebenzisa u-$ 200 ngosuku olulandelayo lomsebenzi (okanye i-$ 5,000 xa ubeka ngaphezu kwama-5,000 kwiireki ngosuku olufanayo), kwaye ezinye iibhanki zikuvumela ukuba usebenzise imali yakho ngokukhawuleza-ngakumbi ukuba unengxelo yesikhathi eside umnini-mlando ongenalo mlando wokubeka iitsheki ezibi. Uhlolo olukarhulumente olukhutshwe njengemali yokubuyisela irhafu lungafumaneka kwakhona ngokukhawuleza. Nangona kunjalo, ezinye izinto, ezifana nokuhlola okwenziwa ngabanye kunye nokuhlola ukusuka phesheya kwezilwandle, zingozi kwaye iibhanki zithatha ixesha elide ukukhulula ezo mali. Amabhanki aya kubamba iitshini zee-cashshi kwiintsuku ezimbalwa ezongezelelweyo kwezinye iimeko.
Enyanisweni, ibhanki yakho inokukuthanda.
Ukuba itekethi iqhubekile, unoxanduva lwemali. Ngoko ukuba uchitha imali kwisheke esibi , kuya kufuneka ubeke endaweni leyo kwi-akhawunti yakho yasebhanki ( kwaye uhlawule iimali kwibhanki yakho, engabonakali ilungile). Ngaphezulu uza kugqiba ukukhangela ukuhlola, ukuhlawula imali , kunye nokunye. Ukuba unakho ukungaqiniseki ngeteksi, linda ixesha ngaphambi kokuba uchithe imali.
Ukurhoxiswa kwexesha elizayo kunye nokugunyazwa kunokunciphisa ibhalansi yakho. Ukuba ulungiselele ukuhlawula okuzayo kwi-bhanki yakho ye-bhanti ye- intanethi ye- intanethi , loo mali ayiyi kubakho ngenxa yokuba ibhanki iyazi ukuba imali sele isele iphuma emnyango. Kunjalo xa uswayipha ikhadi lakho lokubambisa : ibhanki iyazi ukuba unenjongo yokuchitha imali. Amakhadi e-Debit, nangona kunjalo, anokubakho ubunzima-ngamanye amaxesha abarhwebi banagunyazisa ngaphezu kokuba uya kuchitha, kwaye banokukuvala ibhalansi yakho yonke (oku kwenzeka rhoqo kwiitishi zegesi, i-arhente zeenqwelo zentengiso, kunye neehotele).
Ezinye iindawo zigunyaza kuphela i-$ 100 okanye ngaphezulu xa ushawula ekhadini lakho, kwaye loo mali ingaboshwa kwiintsuku zoshishino eziliqela.
Nangona awukwazi ukuyichitha imali yakho, kunceda ukwazi ukuba unani (okanye unako) kwaye ingaba luninzi kangakanani xa bonke abo babambelela. Ngoko ibhanki yakho inikeza ezinye izilinganiso kuwe.
Ezinye izilinganiso
Ukongeza kwikholeji yakho ekhoyo, ungayifumana " ibhalansi ye-akhawunti " okanye " ibhalansi ". Ezi zilinganiso ziquka yonke imali yakho, kubandakanywa yonke imali ekhoyo kunye nemali ekhoyo.
Ukuba ufuna ukuphindaphinda kabini uhlole iibhanki zakho zebhanki, unako ukulungelelanisa i-akhawunti yakho . Ukongezelela ekuncedeni ukubamba iimpazamo, kuyindlela efanelekileyo yokulandelela imali yakho kwaye ubambe nayiphi na ukwebiwa kwezinto ngaphambi kokuba uphume. Uhlala ukhuselwe kwiiphoso kunye nobuqhetseba, kodwa kufuneka usebenze ngokukhawuleza ukuze ufumane ukukhuselwa okupheleleyo phantsi komthetho wesigqeba.
Ukuphepha iCash Crunches
Ngokona nxalenye, uxhomekeke kwibhanki yakho ukukhulula imali. Nangona kunjalo, kukho iindlela zokunciphisa amathuba okuba iakhawunti yakho iyomile.
Idiphozithi ngqo ifumana imali kwiakhawunti yakho ngokukhawuleza. Ukuba umqeshi wakho uhlawula ngetshekhi, bhalisela iintlawulo zekhompyutha ukuze imali ihambe ngqo kwi-akhawunti yakho yasebhanki kwi-akhawunti yakho yasebhanki. Awudingi ukulinda kwisheke (ngokukodwa xa ihamba ngeposi) kwaye akufuneki ukuba uye kwiinkathazo zokubeka isheke. Njengobhonasi, imali inokuthi ifake i-akhawunti yakho ngosuku okanye ezimbini phambi kokuba iikopi zitshicilelwe, kwaye ezinye iibhanki zinika ukufumaneka kwemini efanayo .
Gcina ibhonasi yemali kwi-akhawunti yakho ukukhusela kwiindleko ezingalindelekanga kunye nokulibaziseka. Ukuba usoloko "uqhuma umsi," ekugqibeleni uya kuba neengxaki. Intambo encinci yemali ingakunceda ukuba ugweme iingxaki. Ukuba oko akunakwenzeka, jonga ukukhuselwa kwe-overdraft , kodwa ubhalise kuphela ukuba uya kuwusebenzisa njengethuse-mkhuseleko-ungenzi umkhwa wokuhlawula loo mali-kwaye usebenzise i-creditdrack engaphantsi kwexabiso lekhredithi xa kunokwenzeka .