Izimali zebhange ngokuvamile ziyizindleko ezincane ezansi kwesitatimende sakho sasebhange sanyanga zonke. Nakuba kungezona ukulahlekelwa okukhulu, zingangeza ngokuhamba kwesikhathi futhi zihlafune iholo lakho. Futhi ingxenye embi kakhulu? Zivame ukugwemeka. Thola ukuthi ungazigwema kanjani izinkokhelo zasebhange njengezinkokhelo ze-ATM zangaphandle kwenethiwekhi, izinkokhelo zesitatimende sephepha, kanye nezimali ze-overdraft.
Izimali ze-Overdraft
Uma ukuthengiselana kucindezela ibhalansi ye-akhawunti yakho yokuhlola ibe yizinto ezingezinhle, ibhange lakho lizokwenza enye yezinto ezimbili: noma khansela ukuthengiselana noma uvumele ukuthengiselana kudlule bese ucindezela ibhalansi ye-akhawunti yakho ibe yizinto ezimbi. Uma ibhange lenza lokhu kwakamuva, lizokuboleka imali esele ukuze uvumele umsebenzi ukuthi udlule. Izophinde ikukhokhise imali ye-overdraft. Izindleko ze-overdraft ngokuvamile zingu-$30.
Amanye amabhange azokhokhisa amakhasimende imali ye-overdraft kukho konke ukuthengiselana akwenzayo ngenkathi ibhalansi ye-akhawunti yawo isesimweni esingesihle, kanti amanye angase akhokhise imali yokubolekwa kwemali nsuku zonke lapho ibhalansi ye-akhawunti isala kumanegative. Kuzodingeka ukhokhe lezi zimali ze-overdraft, kanye nemalimboleko evela ebhange ngesikhathi esifushane. Uma ungenzi kanjalo, ibhange lakho lingase likukhokhise inkokhelo eyengeziwe ye-overdraft — lokhu ngokuvamile kwenziwa ngemva kokuba ibhalansi yakho ihlale kunegethivu izinsuku zebhizinisi ezingu-5 kuya kwezingu-7.
Ungazigwema kanjani izinkokhelo ze-overdraft?
Enye indlela yokugwema izinkokhelo ze-overdraft iwukubhalisela uhlelo lokuvikela ukukhishwa kwe-overdraft elikuvumela ukuthi uxhume i-akhawunti yakho yokuhlola kwenye i-akhawunti. Uma okwenziwayo kwenzeka kuphushela i-akhawunti yakho yokuhlola ibe yizinto ezingezinhle, i-akhawunti exhunyiwe ingamboza izindleko zokumisa i-akhawunti yokuhlola ukuthi ingene emalini eyi-overdraft. Ungakwazi ukuxhuma i-akhawunti yakho yokuhlola ku-akhawunti yokulondoloza.
Noma kunini lapho i-akhawunti yakho yokulondoloza ihlanganisa okwenziwayo, ungase ubhekane nenkokhelo yokudlulisa. Ukukhokhiswa imali ehlukile akulungile, kodwa kuncane kakhulu kunenkokhelo ye-overdraft. Enye inketho okufanele uyicabangele ukushintshela ebhange elingakhokhisi amakhasimende imali ye-overdraft. Lokhu ukunikezwa okudumile kwamabhange aku-inthanethi kuphela.
Ungakugwema kanjani ukusebenzisa imali eyengeziwe?
Esikhundleni sokuthola isixazululo semali ekhokhwayo ye-overdraft, kufanele ubheke izixazululo ezikuvimbela ukuthi ungene ekusetshenzisweni ngokweqile ngokuphelele. Izinketho ezilandelayo zingakwenza lokho.
Isabelomali somuntu siqu
Isabelomali somuntu siqu singakunikeza okucacile ukuchitha imihlahlandlela yenyanga yonke. Uma ulandela leyo mihlahlandlela, ngeke ube mancane amathuba okuthi usebenzise imali ngokweqile futhi ucindezele ibhalansi ye-akhawunti yakho yokuhlola iye kokubi.
Izexwayiso zebhalansi
Setha izexwayiso zebhalansi ephansi ngokubhanga kwakho ku-inthanethi. Isexwayiso sebhalansi ephansi sizokwazisa uma okuqukethwe kwe-akhawunti yakho yokuhlola kusondela kuqanda, okukuphoqa ukuthi uqaphele ngokwenza noma yimiphi imisebenzi eyengeziwe.
Isikhwama esiphuthumayo
Esikhundleni sokusebenzisa i-akhawunti yakho yokuhlola ukukhokhela izindleko eziphuthumayo ngaphandle kwesabelomali sakho, ungasebenzisa eyakho isikhwama esiphuthumayo. Lokhu kungase kukuvimbe ekufakeni ngephutha i-akhawunti yakho yokuhlola emalini esele yenziwe. Kuthiwani uma ungenaso isikhwama sezimo eziphuthumayo? Kukhona ezinye izindlela ongacabanga ngazo ngaphandle kwe-akhawunti yakho yokuhlola - ikakhulukazi uma ibhalansi iseduze naphansi. Ungabheka izinketho ze-inthanethi eziguquguqukayo njengemigqa yomuntu siqu yemali mboleko yezikweletu.
Ngomugqa womuntu siqu wesikweletu, ungasebenzisa imali ebolekiwe ukumboza izindleko eziphuthumayo ngesikhathi esifushane. Uma izindleko sezikhokhiwe, ungakwazi gxila ohlelweni lokukhokha oluzinzile ngomjikelezo wokukhokha wanyanga zonke. Lokhu kungase kukucindezele kancane kunokuzama ukubuyisela imali yebhange lakho kusengaphambili, kanye neqoqo lezinkokhelo ze-overdraft. Imigqa yomuntu siqu yemalimboleko yezikweletu kufanele icatshangelwe kuphela ngezinjongo eziphuthumayo uma ungenayo imali eyanele yokonga. Azenzelwanga izindleko zansuku zonke, njengegrosa noma izikweletu zezinsiza.
Izimali ze-ATM zangaphandle kwenethiwekhi
Noma nini lapho ukhipha ukheshi ku-ATM engekho kunethiwekhi yebhange lakho, ibhange lakho lizokukhokhisa imali ye-ATM yangaphandle kwenethiwekhi (ngezinye izikhathi ebizwa ngokuthi imali ye-ATM yangaphandle). Ngokungeziwe enkokhelweni yebhange lakho, i-ATM izokukhokhisa imali ngokusebenzisa amasevisi ayo. Lokhu ngokuvamile kuzokubiza u-$5 owengeziwe ngokukhipha ngakunye.
Ungazigwema kanjani izinkokhelo ze-ATM zangaphandle kwenethiwekhi?
Zama okusemandleni akho ukukhipha imali kuphela kuma-ATM akunethiwekhi yakho. Uma ungenaso isiqiniseko sokuthi zonke lezo zitholakala kuphi, ungasebenzisa uhlelo lokusebenza lweselula yebhange lakho ukuthola izindawo eziseduze nawe. Enye inketho ukucela “ukubuyiselwa imali” kurejista lapho uyothenga. Umthengisi angase akukhokhise imali encane yokwenza lokhu, ezoba yincane kakhulu kunemali ye-ATM yangaphandle kwenethiwekhi. Bangase bakhokhise cishe amasenti angu-50 ngesevisi.
Izimali zesitatimende sephepha
Amabhange avame ukukukhokhisa "imali yesitatimende sephepha" ukuze ubhekane nezindleko zokuphrinta nokuthumela izitatimende zephepha kuwe. Lezi zindleko ngokuvamile zisukela ku-$2-$3 njalo ngenyanga eyodwa.
Ungazigwema kanjani izimali zesitatimende sephepha?
Kulula lokho. Hamba ungenaphepha. Ngena ku-akhawunti yakho yasebhange eku-inthanethi noma uhlelo lokusebenza lweselula lokubhanga bese ungena kuzilungiselelo. Izilungiselelo kufanele zinikeze inketho yokuhamba ngaphandle kwephepha. Usazoba nenketho yokubuyekeza izitatimende zakho zasebhange ku-inthanethi. Uma kwenzeka udinga ikhophi yesitatimende sasebhange, ungaya ku-akhawunti yakho ye-inthanethi, uyilande bese uyiphrinta ekhaya. Ungazamukeli ngokunganaki lezi zimali zebhange njengezindleko zokwenza ibhizinisi. Akudingekile ukuba njalo uzikhokhele. Landela lo mhlahlandlela olula ukuze ugweme lezi zimali kusukela kuleli phuzu kuye phambili.
Isikweletu sezithombe: The isithombe sesici ingokomfanekiso futhi yenziwe ngu-Ono Kosuki.
