ʻO ka hoʻomaopopo ʻana i kahi waihona kālā o kēia manawa

ʻO wai ka mea i loaʻa ʻole i ka reflex e wehe i ka waihona kālā i ka hoʻomaka ʻana o ke ola hana? Eia nō naʻe, ma waena o nā hāʻawi like ʻole mai nā panakō kuʻuna a i ʻole nā ​​​​pūnaewele pūnaewele, ke ʻano o ka hana ʻana o ka ukupanee, nā ʻano uku i hāʻawi ʻia, ka ʻōlelo loea o nā kākā'ōlelo ...

Ma o kēia ʻatikala hoʻonaʻauao, kono mākou iā ʻoe e wehe hope i nā mea huna a pau o ka waihona kālā. E kamaʻilio pololei mākou i kāna mau hoʻohana like ʻole, nā hana nui i hiki ke hana ʻia ma laila a me ke kumukūʻai maoli o kēia lawelawe pono i kēlā me kēia lā.

Mahalo i kēia mau wehewehe kikoʻī a me nā ʻōlelo aʻo, e hoʻomaopopo ʻoe i nā mea āpau e pili ana i ka hana pololei o ka moʻohelu o kēia manawa i mea e loaʻa ai ka maikaʻi loa. Goodbye bankers' jargon, and hello savings by mastering the ins and outs of your basic bank product yourself. Eia mākou e hele i kā mākou decryption step-by-step!

🥀 He aha ka moʻokāki o kēia manawa?

Les Nā waihona kālā kaulana loa nā au i waena o nā hui, nā hui, nā hui aupuni, nā ʻoihana ʻoi aku ka nui o nā hana maʻamau me ka panakō.

Hiki ke wehe ʻia ma ka hapa nui o nā panakō kalepa. Ma ke ʻano he moʻokāki zero, pili pinepine ia me nā kālepa nui i kēlā me kēia manawa. Ma muli o ka wai i hāʻawi ʻia e kēia mau moʻolelo, ʻaʻole lākou e loaʻa ka uku. ʻAʻohe palena o kēia mau mea i ka nui o nā hana i hiki ke hana.

Hiki ke waiho ʻia ke kālā ma laila i kēlā me kēia manawa me ka ʻole o ka hoʻolaha. He kūpono hoʻi no ka uku ʻana i nā mea ʻaiʻē me ka hoʻohana ʻana i nā māka. Hiki ke waiho ʻia nā ʻeke i loaʻa mai nā mea kūʻai mai ma kēia waihona no ka hōʻiliʻili ʻana.

🥀 ʻO nā ʻano like ʻole o ka moʻokāki o kēia manawa

Loaʻa i ka mea kūʻai ke koho ma waena o nā ʻano waihona waihona. I waena o lākou, ʻike mākou:

Nā waihona panakō pākahi

ʻO ka waihona kālā hoʻokahi ka moʻokāki i hoʻohana nui ʻia ma ka honua. Hoʻopaʻa inoa ʻia e ka mea paʻa hoʻokahi, ʻo ia ke kanaka maoli, ʻae ka waihona kālā pākahi i ka hoʻokele kālā i kēlā me kēia lā Kāleka panakō. I kēia lā, paʻakikī ke hana me ka ʻole o kēia ʻano moʻokāki o kēia manawa, pono i ke ola o kēlā me kēia lā.

Hiki ke wehe ʻia mai ka makahiki 12, akā pono e hele pū ʻia nā keiki liʻiliʻi me kahi kahu mālama kānāwai. Loaʻa i nā keiki liʻiliʻi kahi kāleka panakō me ka mana ʻōnaehana, e pale ai iā lākou mai ka huki ʻana. E nānā i kēia ʻatikala ma nā waihona kālā no nā keiki liʻiliʻi.

Nā moʻolelo o kēia manawa

Hoʻohana like ka moʻokāki hui me ka waihona kālā hoʻokahi, koe wale nō hiki ke mālama ʻia e kekahi mau mea paʻa. ʻO ka hapanui pinepine, ʻo nā kāne e paʻa i kahi moʻokāki hui. Hiki ke loaʻa kēia ʻano moʻokāki i nā kaikunāne ʻelua, ʻelua mau hoaaloha, makua a me kahi keiki ...

Hiki i kekahi moʻokāki hui ke loaʻa ma mua o ʻelua mau hoa paʻa, akā ma nā panakō kuʻuna wale nō. Hoʻopaʻa pinepine nā panakō pūnaewele i ke kau inoa ʻana i ʻelua mau mea paʻa. Inā ʻoi aku ma mua o ʻelua mau mea paʻa, ua kapa ʻia ka moʻokāki o kēia manawa he moʻokāki hui. Hoʻopili pū ʻia he moʻokāki hui.

ʻAʻole mahele ʻia nā moʻolelo o kēia manawa

ʻO ka moʻolelo o kēia manawa i wehe ʻole ʻia like loa i ka mooolelo hui o keia manawa, no ka mea hiki ke paa ia e kekahi mau mea paa hui. ʻO ka ʻokoʻa, ʻaʻole hiki ke hoʻokō ʻia kahi hana panakō, ʻoiai he unuhi maʻalahi, me ka ʻole o ka ʻae ʻana o nā mea kuleana a pau.

ʻAʻole hoʻohana ʻia kēia ʻano hana ʻoi aku ka paʻa e nā kāne, akā na kahi hui o nā poʻe e makemake ana, no ka laʻana, e mālama i kahi hoʻoilina.

Nā moʻokāki pili i kēia manawa

ʻO ka hope, ʻo kahi moʻokāki pili i kēia manawa he moʻokāki i hoʻolaʻa ʻia i nā hui a me nā ʻoihana. He waihona kālā kēia e hiki ai iā lākou ke waiho i nā kālā a laila hoʻolako iā lākou i ka hui.

Ma kēia ʻatikala, kamaʻilio nui wau e pili ana i nā moʻolelo o kēia manawa i hoʻolaʻa ʻia i nā poʻe. ʻO wau ke kamaʻilio kikoʻī e pili ana i nā waihona kālā pākahi a me nā moʻokāki hui.

🥀 Uku mooolelo o keia manawa

No kekahi mau makahiki i kēia manawa, ua pili kahi moʻokāki o kēia manawa me ka piʻi nui ʻana o nā uku panakō. ʻAʻole manuahi, mamao loa mai ia… ʻoi loa ma nā panakō kuʻuna. Loaʻa i kahi moʻokāki o kēia manawa nā uku penei:

• Uku mālama moʻokāki
• Uku kāleka hōʻaiʻē
• ʻO nā kumu kūʻai o ka uku (agios, komisina hana, nā leka ʻike, nā kumukūʻai hōʻole pololei, etc.)
• ʻO nā kumukūʻai hou, pili i nā koho hou (SMS alerts, bank check, reissue of bank card, reissue of secret code, means of payment insurance, etc.)

No ka wehe ʻana i kahi moʻokāki o kēia manawa i aneane manuahi, noi i ke koho o nā panakō pūnaewele. Hāʻawi lākou iā ʻoe e hana i kahi waihona kālā mai kou wahi moe. Ma ka laulā, eia pehea ʻoe e hōʻemi ai i kāu uku panakō e ulu mau ana i kēlā me kēia lā.

🥀 Pani i kahi moʻokāki o kēia manawa

Hiki ke pani ʻia kahi moʻokāki o kēia manawa ma ka manaʻo o ka panakō a i ʻole ka mea kūʻai:

Ma ke kumu o ka panakō: hiki i kahi panakō ke pani i kahi waihona panakō me ka ʻole e hōʻoiaʻiʻo iā ia iho. Eia naʻe, pono e hāʻawi i ʻelua mahina hoʻolaha i mea e hāʻawi ai i ka mea kūʻai aku manawa e wehe i kahi moʻokāki ma kahi ʻē.

Ma ka manaʻo o ka mea kūʻai: hiki i ka mea kūʻai ke pani i kāna waihona me ka uku ʻole i nā manawa a pau āna e makemake ai. ʻO kāna mea e hana ai, ʻo ka hoʻouna ʻana i kahi leka i hoʻopaʻa ʻia me ka hōʻoia ʻana i ka loaʻa ʻana, hoʻopaʻa kālā i kāna moʻokāki i maikaʻi ke koena a hoʻihoʻi a hoʻopau paha i kāna ʻano uku.

🥀 ʻO ka ʻokoʻa ma waena o kahi waihona helu a me kahi waihona mālama

I ka nānā mua ʻana, ka moʻokāki o kēia manawa a me ka waihona mālama like paha. A no ke kumu maikaʻi: ʻo lāua ʻelua mau waihona kālā e ʻae iā ʻoe e waiho i kāu kālā i ka panakō me ka palekana piha. Akā ma hope o kēia hiʻohiʻona maʻamau e hūnā i nā hana a me nā hoʻohana ʻokoʻa loa.

E hoʻomaka kākou me ka moʻokāki o kēia manawa. E like me ka manaʻo o kona inoa, manaʻo nui ia e hoʻokele i kāu mau hana panakō i kēlā me kēia lā: hoʻopaʻa inoa i kāu loaʻa kālā, uku i kāu invoices, hōʻiliʻili i kāu uku, etc. ʻO ka ʻoiaʻiʻo, ʻo ia ka waihona kākoʻo i hoʻopili ʻia kāu kāleka panakō e uku no kāu mau lilo maʻamau.

No laila ua hana ʻia ka moʻokāki o kēia manawa no kahi hoʻohana kālepa. ʻAʻole loaʻa ka ukupanee i ke kālā e hele ana ma laila a hiki ke unuhi ʻia i kēlā me kēia manawa. ʻO kēia loaʻa mau ʻana i ke kālā e lilo ia i moʻokāki kūpono i kēlā me kēia lā, akā ʻaʻole maikaʻi loa no ka hoʻonui ʻana i kāu waihona.

ʻO ka mea ʻē aʻe, ua hana ʻia ka waihona mālama kālā no ke kūkulu ʻana i nā waihona. ʻO nā huina i waiho ʻia ma laila e hoʻonui mālie i ka uku, ʻoiai he haʻahaʻa, akā me ka pilikia ʻole a kokoke i ka loaʻa koke. He huahana waena ma waena o ka nest egg a me ka hoʻopukapuka kālā.

ʻO ka ʻoiaʻiʻo, ʻaʻole i hoʻolālā ʻia kēia ʻano moʻokāki e waiho i kāu uku a uku paha i kāu mau mea kūʻai ma lalo o ka hoʻopaʻi o nā komisina hefty. Ua kaupalena ʻia kona hoʻohana ʻana i ka waiho ʻana i kahi hapa o ka loaʻa kālā, me ka manaʻo e kūkulu i kahi moena makaʻala a i ʻole e hoʻokō i kahi papahana e hiki mai ana.

E like me kā mākou e ʻike ai, kahi i hoʻolālā ʻia ai ka moʻokāki o kēia manawa no ka hoʻokele hana o kēlā me kēia lā, ua hoʻolaʻa ʻia ka waihona mālama kālā no ke kūkulu ʻana i kahi mālama kālā. ʻElua huahana panakō me nā kumu kūʻokoʻa ʻaʻole pono e huikau!

Hoʻohana maikaʻi ʻia, ʻae lākou iā ʻoe e pōmaikaʻi mai nā pono kūpono o ka moʻokāki o kēia manawa a me ka loaʻa ʻana o ka ukupanee ma kahi waihona mālama. ʻO kahi synergy kūpono e hoʻomaikaʻi i kāu hoʻokele panakō.

🥀 ʻO nā pōmaikaʻi o ka loaʻa ʻana o kahi moʻokāki

ʻO ka wehe ʻana i kahi moʻokāki o kēia manawa i kahi panakō he nui nā pōmaikaʻi i kēlā me kēia lā. Inā e hoʻokele i kāu kālā a i ʻole e uku, pono ka waihona kālā. ʻO ka ʻike nui o nā pōmaikaʻi paʻa hiki iā ʻoe ke hauʻoli.

ʻO ka mea mua, ʻo ka loaʻa ʻana o kahi moʻokāki o kēia manawa e hiki ai iā ʻoe ke noho i kāu loaʻa kālā: uku, haʻawina, hoʻomaha, a me nā mea ʻē aʻe. ʻO kēia ke ala maʻalahi a palekana e loaa kona loaa.

'ē aʻe pono nui: hāʻawi ka waihona kālā iā ʻoe i ke komo ʻana i nā pane uku āpau. Hiki iā ʻoe ke uku i kāu mau bila ma ka hōʻaiʻē pololei a i ʻole ke kūʻai ʻana ma ke kāleka hōʻaiʻē, ma ka pūnaewele a i ʻole ma ka hale kūʻai. ʻAʻohe hoʻohana pilikia hou i ke kālā!

Eia kekahi, mahalo i kāu kāleka panakō a me kāu puke nānā, hiki iā ʻoe wehe a waiho kālā 24/24 ma nā ATM. He mea waiwai kēia loaʻa mau i ka wā o kahi hanana i ʻike ʻole ʻia.

Ma ka ʻaoʻao hoʻokele, hiki i kāu moʻokāki o kēia manawa ke nānā maʻalahi i kāu mau lilo a me kāu loaʻa kālā e hoʻomaikaʻi i nā ʻōlelo kikoʻī kikoʻī. Ma kēia ala e mālama ai ʻoe i kāu kālā i kēlā me kēia lā. A i ka hopena o kahi hoʻihoʻi, hiki i kāu kākā'ōlelo panakō ke kākoʻo iā ʻoe.

E like me kā mākou e ʻike ai, ʻo ka loaʻa ʻana o kahi waihona kālā e maʻalahi a hoʻopaʻa i ka mālama ʻana i kāu kālā i kēlā me kēia lā. Ma waena o ka traceability o nā hana a me nā lawelawe pili, paʻakikī ke hana me ka ʻole!

🥀 Nā pōʻino o ka loaʻa ʻana o kahi moʻokāki

ʻOiai he mea koʻikoʻi i kēlā me kēia lā, ʻo ka loaʻa ʻana o kahi moʻokāki o kēia manawa aia kekahi mau hemahema e pono e mālama ʻia. Ma hope o ka maʻalahi o kahi waihona waihona aia kekahi mau mea paʻa.

ʻO ka mea mua, ʻaʻole ʻo ka mālama ʻana i kahi moʻokāki o kēia manawa aole loa kuokoa. Ma waho aʻe o ka liʻiliʻi liʻiliʻi e mālama ai, pono ʻoe e uku no kekahi mau lawelawe koho a me ka uku makahiki o kekahi mau kakini euros. He kumukūʻai nui.

ʻO kekahi ʻaoʻao ʻē aʻe, ʻo kāu kikoʻī waihona kālā a me kāu uku huli mau. ʻOiai e hāʻawi ana kēia i ka palekana, hiki ke ʻike ʻia kēia traceability mau o ke koena a i ʻole nā ​​​​hana e like me ke komo ʻana i ka pilikino no kekahi.

Ma ka ʻaoʻao kūpono a laila, hiki i nā hola wehe a me nā lā palena o nā panakō kuʻuna ke paʻa i kekahi manawa. E hoʻokaʻaʻike i kāu kākāʻōlelo a i ʻole e hana i kekahi mau hana, a 100% mobile neo-bank e hāʻawi ʻoi aku ka maʻalahi.

Eia kekahi, ʻo ka hana hewa ʻenehana ke kumu i ka loaʻa ʻole o nā lawelawe panakō: hewa kāleka kāleka a i ʻole ATM, noi kelepona ma lalo o ka mālama ʻana, a pēlā aku.

ʻO ka mea hope loa, ʻo ka hoʻonui ʻana i nā lawelawe i hāʻawi ʻia e nā panakō kuʻuna hiki i kekahi manawa ke alakaʻi i kahi makana paʻakikī, i ka pōʻino o ka ʻike. He mea nui ka heluhelu ʻana ma waena o nā laina o nā ʻaelike ma mua o ka hana ʻana.

E like me kā mākou e ʻike ai, ʻo ka loaʻa ʻana o kahi moʻokāki o kēia manawa, e like me ka hana, e hōʻike pū ana i kāna ʻāpana o nā mea paʻa āu e hoʻomākaukau ai. Eia naʻe, ʻoi aku ka nui o nā pōmaikaʻi ma mua o ka hapa nui o nā mea kūʻai aku.

🥀Nā nīnau nīnau

He aha ke kālā o kēia manawa?

ʻO kahi moʻokāki o kēia manawa he waihona waihona i wehe ʻia me kahi panakō e mālama i kāu loaʻa kālā i kēlā me kēia lā, nā lilo, nā uku a me nā haʻalele. He moʻokāki ola ia i hana ʻia no nā hana o kēlā me kēia lā.

Ke uku nei ka mooolelo o keia manawa?

oiaio, pono ʻoe e uku i kekahi mau uku e like me nā uku moʻokāki, nā uku kāleka, nā uku a i ʻole nā ​​komisina. Akā mau ke kūpono, mai 2-3 € i kēlā me kēia mahina.

Hiki iaʻu ke unuhi i kaʻu moʻokāki?

ʻAe hiki nō. E loaʻa iā ʻoe ka pōmaikaʻi mai kahi mana overdraft, i hoʻopaʻa ʻia i kahi mau haneli euros, no ka hoʻololi ʻana i nā uku a me ka ukupanee ma ka nui o ka ʻulaʻula.

Pehea wau e nānā ai i nā kālepa ma kaʻu moʻokāki?

Hiki iā ʻoe ke ʻike i kāu koena a me kāu mau hana i ka manawa maoli no ka manuahi ma o ka noi kelepona a kāu panakō a i ʻole ke kikowaena pūnaewele. A paʻi ʻia ka pepa a i ʻole ka ʻōlelo uila i hoʻokahi mahina.

He maʻalahi ke pani i kahi moʻokāki?

oiaio, pani ʻia ma ka palapala maʻalahi i kāu ʻoihana. E hoʻoili ʻia ke koena a me nā hana o kēia manawa i kāu panakō hou inā ʻoe e wehe i kahi ʻē aʻe.

🥀 Ke pani nei

I ka pau ʻana o kēia ʻike kikoʻī, ʻaʻohe mea huna o ka hana o ka moʻokāki o kēia manawa no ʻoe!

Ua nānā mākou i kāna mau hihia hoʻohana ʻokoʻa e hoʻokele i kāu loaʻa, nā lilo, nā uku a me nā haʻalele ʻana i kēlā me kēia lā. Ua wehewehe mākou i nā ʻōlelo panakō a me ka ʻōlelo ʻenehana o nā ʻōlelo aʻoaʻo e ʻike maopopo i kēia manawa. A ua nānā mākou i nā pono nui a me nā pōʻino o kēia pou panakō i mea e pōmaikaʻi ai i kāna mau pōmaikaʻi me ka ʻole o ka pīhoihoi maikaʻi ʻole.

Ua mākaukau ʻoe e wehe i kahi moʻokāki o kēia manawa me ka ʻike piha o nā ʻoiaʻiʻo a i ʻole e nīnau i nā nīnau kūpono i kāu waihona kālā e hoʻomaikaʻi i ka mea i loaʻa iā ʻoe. Hāʻawi ʻia nā code waihona kālā āpau ma kahi pā no kāu hōʻoluʻolu kālā!

Aia iā ʻoe ke kūʻai aku ma waena o nā makana like ʻole ma ka mākeke e ʻimi i ke ʻano hoʻohālike maikaʻi loa e like me kāu pono. Hoʻopakele nui!

E waiho iaʻu i kou mau manaʻo ma nā manaʻo