Ungazigwema kanjani izindleko zebhange eziphezulu?

Ababolekayo baleli bhange abangaphezu kwengxenye eyodwa kwezintathu bakuthola kunzima ukukhokha izikweletu zabo ngesikhathi. Kwengezwe kulesi sikweletu yizindleko zemisebenzi yamabhange eyahlukene. Ukuze wenze lokhu, kufanele uqaphe ngokucophelela ama-akhawunti akho asebhange ukuze ugweme izindleko ezithile ezingadingekile. Eqinisweni, izindleko ezimbalwa zasebhange zingakufaka emazingeni ezikweletu ongalawuleki.

Nakuba lezi zindleko zasebhange zibonakala zizincane, zingakhula ngokuhamba kwesikhathi. Ngenhlanhla, kulula ukugwema noma ukunciphisa lezi zindleko eziphezulu ngezinye izikhathi uma unolwazi kusengaphambili.

Ngicabanga ukuthi manje ubhekene nesimo lapho ukhokha izindleko zebhange ezinkulu ebhange lakho. Uma kunjalo, ungabe usakhathazeka. Kulesi sihloko, Ngikubonisa izindleko zebhange ezivame kakhulu nokuthi ungazigwema kanjani. Le ndlela izokongela amakhulu amadola eminyakeni edlule.

Kodwa ngaphambi kokuba uqale, nansi ukuqeqeshwa okukuvumela ukuba wenze kanjalo zuza i-1000euros/Ngosuku ku-5euros.com. Chofoza lapha ukuze uyithenge

Asihambe

???? Izinkokhelo Zebhange Ezingu-8 Ezaziwa Kakhulu

Uma ubona njalo izinkokhiso zidonswa ku-akhawunti yakho yokuhlola, yazi ukuthi awuwedwa. Nami eminyakeni embalwa edlule lapho ngivula i-akhawunti yami yokuqala yasebhange ngaba nenkinga efanayo.

Ngokocwaningo lwango-2017 olwenziwa yi-US Federal Reserve, abanikazi bama-akhawunti okuhlola amabhange bakhokha cishe u-$250 ngonyaka ezinkokhelweni. Kodwa-ke, kufanele wazi ukuthi awuphoqelekile ukuba uzikhokhe, nakuba kuyizindleko ezivamile.

Ngaphambi kokukutshela ukuthi ungazigwema kanjani noma uzinciphise kanjani izindleko zakho zasebhange, ake siqale sizethule.

➤ Izindleko zanyanga zonke zesondlo/zesevisi

Amabhange amaningi akukhokhisa imali yanyanga zonke ngokugcina imali yakho ku-akhawunti kuwo. Inani lalezi zimali zesondlo lincike ebhange lakho, kodwa ungakwazi ukukhokha kufika ku-$15 ngenyanga nge-akhawunti yokuhlola engakhokhiwe.

Konke okutsheliwe, uzokhokha inani eliphelele cishe lika-$180 ngonyaka.

Ukufaka izimali zokunakekela zanyanga zonke kuma-akhawunti akho okuhlola kuyindlela yokuthi amabhange akhuphule imali engenayo ngokuqondile ngezinkokhelo futhi akhuthaze abathengi ukuthi bagcine imali eyengeziwe ebhange. Kodwa ungazigwema kanjani noma uzinciphise kanjani lezi zindleko zokunakekela?

Ungazigwema kanjani izimali zokunakekela i-akhawunti?

Ngokuvamile kulula ukugwema ukuhlola izimali zokunakekela i-akhawunti. Abanikazi balolu hlobo lwe-akhawunti bangavula kokubili i-akhawunti yokuhlola futhi Ilondoloza i-akhawunti ebhange elifanayo noma ngokugcina ibhalansi encane ku-akhawunti yakho. Kwesinye isikhathi ukusetha isistimu yediphozi eqondile yanyanga zonke kwanele ukuhoxisa imali yokuyilungisa yanyanga zonke.

I-athikili okufanele ifundwe: Nawa amathiphu angu-14 wokuceba ngokushesha

Ukwengeza, amabhange amaningi akhokhisa izimali zesondlo zanyanga zonke acacisa ukuthi lezi zimali zizoyekwa inyanga ngayinye umthengi uthobela iziqondiso ezithile. Le mihlahlandlela ingase ihlanganise:

• Ukugcina ibhalansi encane yansuku zonke ku-akhawunti
• Ukusungulwa kohlelo lokuphindaphinda amadiphozithi aqondile
• Ukusetshenziswa kwekhadi ledebithi elihlobene nobuncane bezikhathi ngenyanga

Ukwazi le mihlahlandlela yokusebenzisa lokhu kuhoxiswa kwenkokhelo yanyanga zonke, ungagwema ukukhokha imali yokulungisa i-akhawunti.

Futhi, uma uhlangabezana nezidingo njalo ukuze ugweme inkokhiso, ungase ukwazi ukushayela futhi ucele ukuyekwa uma kunenyanga lapho ibhalansi yakho yansuku zonke ishelela khona noma uyeke ukusebenzisa ikhadi lakho lasebhange.

➤ Izimali ze-ATM

Uma uzwa sengathi ukhokha kakhulu ukuze kube lula ukusebenzisa ama-ATM ngaphandle kwenethiwekhi yakho yasebhange unyaka nonyaka kusho ukuthi uqinisile.

Izimali ze-ATM ezivela ebhange lakho kanye no-opharetha we-ATM bangahlanganisa uma uvame ukukhipha ukheshi.

Amabhange amakhulu enziwe ngezitini nodaka akhokhisa amakhasimende isilinganiso esingu-$2,50 ngokusebenzisa i-ATM engaphandle kwenethiwekhi. Kodwa-ke, ukusebenzisa ama-ATM kuyinketho. Ekugcineni kukuwe ukuthi unqume ukuthi kulula yini ukusebenzisa i-ATM.

Ngithole ukuthi ngokuhamba kwesikhathi izimali ze-ATM zama-akhawunti ami ahlukahlukene zilokhu zikhuphuka. Lokhu kungase kube njalo nakuwe. kufanele wazi ukuthi lo mkhuba kulindeleke ukuthi uqhubeke ngoba kunezici ezithile ezibangela lokhu.

I-athikili okufanele ifundwe: Indlela yokwenza ukuhlela okuhle kwezezimali?

Konke kuqala ngokukhuphuka kwezicelo ze ukukhokha kontanga kuya kontanga okunciphise kakhulu ukusetshenziswa kwama-ATM. Lokhu kwehla kwesidingo sama-ATM kwenza ukugcinwa kwawo kubize kakhulu emabhange.

Ngakho-ke ukwenyuka kwezindleko zabasebenzisi be-ATM kunxephezela ukuncishiswa kwenani lemisebenzi kuma-ATM.

Ukwengeza, amabhange abona izinkokhelo ze-ATM njengendlela ephephile yokugcina noma yokwandisa inzuzo yabo ngaphandle kokuhlukanisa amakhasimende abo. Kodwa kanjani ukuqeda kanye unomphela nge fresh?

Ungazigwema kanjani izimali ze-ATM?

Njengezimali zokunakekela i-akhawunti, izimali ze-ATM zingagwenywa. Eqinisweni, izindaba ezinhle ukuthi izimali ze-ATM ziphakathi kwezinto ezilula ukuzigwema noma ukunciphisa.

Okufanele uqale ukwazi ukuthi ukusetshenziswa kwama-ATM kuyakhethwa, kukuwe ukuthi uhlulele isidingo sokuwasebenzisa. Okulandelayo, udinga ukukhomba ama-ATM enethiwekhi yakho yasebhange endaweni yakini ukuze uhlale wazi ukuthi ungatholaphi ukheshi uma uludinga.

Ngenhlanhla, amabhange amaningi anikela ngezindawo ze-ATM ezinhlelweni zabo zokusebenza zeselula. Okokugcina, ungasebenzisa kuphela ama-ATM kunethiwekhi yebhange lakho, ngokuvamile angatholakala kuwebhusayithi yabo.

Uma udinga ukheshi ngokushesha futhi okuwukuphela kwezinketho ze-ATM ezitholakalayo zizokukhokhisa imali, cabanga ukusebenzisa ikhadi lakho lasebhange ukuze uthenge okuncane bese ucela ukubuyiselwa imali.

I-athikili okufanele ifundwe: Imininingwane yamabhange amaSulumane

Izitolo eziningi azikhokhisi imali yokubuyisela emuva, okwenza kube indlela ecishe ibe mahhala yokufinyelela imali yakho. Yilokho kuphela engingakutshela khona okwamanje mayelana nokukhawulela izinkokhelo zakho ze-ATM

➤ Izimali ze-overdraft yasebhange

Ngaphambi kokuqala lezi zimali, kunjalo kubalulekile ukwazi ukuthi kuyini le i-overdraft. Nokho, i-overdraft yasebhange ngokuyinhloko ihambisana "ne-overdraft egunyaziwe", inani kanye nosuku okunqunywe ngokwenkontileka esivumelwaneni se-akhawunti, esicacisa ukuthi kungenzeka yini noma cha.

Imajini ibhange lakho elingakunika lona uma ufisa ukwenza umsebenzi omali yawo inkulu kunaleyo onayo ku-akhawunti yakho. Ngokwale ncazelo imali esele i-ovadraft ithathwa njengemalimboleko ngakho-ke ayimahhala. Akuyona imali futhi kufanele ihanjiswe ebhange lakho ukuze ligunyazwe.

Isihloko esizofundwa: Umshwalense wamaSulumane: Takaful

Nokho, ukusebenzisa imali ngokweqile ku-akhawunti yakho kuwuhlobo lwephutha elingalenziwa yinoma ubani. Eqinisweni, sonke sivame ukugcina amabhalansi e-akhawunti yokuhlola emakhanda ethu, ngakho kulula ukukhohlwa.

Ungakwazi ukuthenga u-$50 ngekhadi lakho lesikweletu, ungaqapheli ukuthi i-akhawunti yakho iqukethe u-$35 kuphela.

Eqinisweni, amabhange avame ukuvumela ukuthengwa ukuthi kudlule kulokhu, kunokuba anqabe ukukhokha. Ungase ugweme ehlazweni lesikhashana lokwenqatshwa kwenkokhelo yakho, kodwa i-akhawunti yakho iba bomvu.

Kungalesi sikhathi esiqondile lapho ibhange lakho lizokukhokhisa khona imali ye-overdraft. Kodwa, kanjani ukugwema kubo? Nasi isisombululo senkinga yakho.

Ungazigwema kanjani izimali ze-overdraft yasebhange?

I-Overdraft ku-akhawunti yakho yasebhange kuyingozi elula ukuyigwema. Into yokuqala okufanele uyenze ukuze ugweme izindleko ze-overdraft ukubhalisela uhlelo lwediphozithi oluqondile. Lesi sixazululo sikuvumela futhi ukuthi ugweme izindleko ezihlobene nokusetshenziswa kwama-ATM.

Lolu hlelo luzovumela imali ukuthi ikhokhwe ngokuhlelekile nangokuzenzakalelayo ku-akhawunti yakho. Kuzokusiza futhi ukuthi ugcine ibhalansi encane edingekayo ye-akhawunti yakho futhi ugweme ukudonswa kwemali ngokweqile.

Amabhange amaningi aphinde anikeze ukufakwa kwe-overdraft noma isivikelo semali emaphakathi efika ku-$35 nge-overdraft ngayinye.

Ngoba esikhundleni sokwenqatshelwa ukuthenga lapho ungenayo imali eyanele ku-akhawunti yakho yasebhange, ibhange lizokukhokhela ngokuthatha izimali ku-akhawunti yakho yokulondoloza exhunyiwe, i-akhawunti yokuhlola yesibili, ulayini wesikweletu, njll.

I-athikili okufanele ifundwe: Uhlaka lokulawula lokubusa kwamabhange

Njengoba ukudluliselwa phakathi kwama-akhawunti axhunyiwe kwenzeka khona manjalo, ukuba ne-akhawunti yokonga ongakwazi ukudlulisa imali kuyo lapho uqaphela ukuthi ibhalansi yakho iyehla kuyokusiza futhi ukuthi ugweme ukukhokha imali eyengeziwe.

Okokugcina, indlela engcono kakhulu yokugwema izindleko ze-overdraft ukubeka iso kwibhalansi ye-akhawunti yakho. Ukuze wenze lokhu, ungakwazi kalula ukubhalisela izexwayiso ngebhalansi nge-imeyili noma nge-SMS evela ebhange lakho.

Ungalungiselela lezi zixwayiso ukuthi zaziswe uma ibhalansi yakho yehla ngaphansi komkhawulo owukhethayo.

➤ Izimali zesitatimende sasebhange: uhlobo lwephepha

Isitatimende sasebhange siyisifinyezo sakho konke ukuthengiselana kwezezimali okwenzeka ku-akhawunti ephethwe yibhange phakathi nenkathi ethile. Ngaphambilini, ukuthola isitatimende sanyanga zonke ngemeyili kwaba ukuphela kwendlela yokuthola imininingwane yokwenziwe ku-akhawunti yomuntu yasebhange.

Kulezi zinsuku, izitatimende zakho zasebhange zithunyelwa nge-imeyili noma zenziwe zitholakale kuwe ngohlelo lokusebenza lwasebhange noma iwebhusayithi. Lezi zinsizakalo zikuvumela ukuthi ufinyelele yonke imininingwane yakho yasebhange 24/24.

Kodwa-ke, amanye amakhasimende asancamela ukuthola izitatimende zephepha ebhokisini lawo leposi esikhundleni sebhokisi lawo le-imeyili. Ngeshwa, amanye amabhange akhokhisa imali yokuphrinta nokuthumela izitatimende zasebhange kumakhasimende awo.

Lezi zimali ziyahlukahluka kuye ngokuthi ubhanga kuphi kanye nenani lamakhasi azophrintwa.

Ngizigwema kanjani izinkokhelo zesitatimende sasebhange?

Ukuze ugweme lezi zimali, mane ubhalisele ukubhanga ngaphandle kwamaphepha noma ku-inthanethi. Eqinisweni, ayikho indlela yokuthola izitatimende zephepha mahhala, ngaphandle uma ibhange lakho likhokhisa esisodwa.

➤ Izimali zokungasebenzi kwe-akhawunti

Enye into abanikazi bama-akhawunti abaningi abangayazi ukuthi amanye ama-akhawunti anezindleko zokungasebenzi. Uma i-akhawunti ibingasebenzi isikhathi esithile, ibhange ngeke lisakwazi ukukhokhisa noma yiziphi izinkokhiso ku-akhawunti.

Akukhona nje ukuthi lawa ma-akhawunti angasebenzi abangela amakhanda okuphatha emabhange, kodwa angawabiza kakhulu. Amabhange akhokhisa izinkokhelo zokungasebenzi kulawa ma-akhawunti ngalesi sikhathi ukuze akhuthaze abanikazi ukuthi baphinde basebenze. Lezi zimali zivame ukuhluka phakathi $10 futhi $20 ngenyanga.

Isihloko okufanele sifundwe: Liyini ibhange lamaSulumane?

Amabhange angaqala ukukhokhisa imali yokungasebenzi ngemva kokuthi i-akhawunti ingasebenzi ngokuphelele okungenani izinyanga eziyisithupha. Amanye amabhange alinda kuze kube unyaka ukuze aqale ukukhokhisa lezi zimali.

Ungase uthole noma ungasitholi isaziso sokuthi ibhange lizoqala ukukhokhisa imali yanyanga zonke. Uma lokhu kungenziwanga, ungase ungaboni ukuthi uyayikhokha leyo mali kuze kube yilapho ibhange lisula i-akhawunti ngaleyo mali futhi livala i-akhawunti. $0 i-akhawunti yebhalansi. Nansi indlela yokugwema lezi zinkokhelo.

Ungazigwema kanjani izinkokhelo zokungasebenzi kwe-akhawunti?

Ukuze ugweme izindleko ezihlobene nokungasebenzi kwe-akhawunti YAKHO, izixazululo ezimbili ziyatholakala kuwe. Ukusetha idiphozi noma isistimu yokukhokha ephindelelayo ingakusiza ugcine umsebenzi usezingeni eliphansi.

Uma kungenjalo, ungavele uvale i-akhawunti bese udlulisela imali ku-akhawunti okungenzeka ukuthi ulandelele ngayo.

➤ Izimali ezeqile zokwenziwe

Izinkokhelo ezeqile zokwenziwe ziphakama lapho abanikazi be-akhawunti yokulondoloza behoxa ngaphezu komkhawulo olindelekile. E-USA ngokwesibonelo, lo mkhawulo uwukukhipha kanye nokudluliswa kwamahhala okuyisithupha ngenyanga. Kepha, njengoba kuqubuka i-coronavirus njengamanje ezungeza ngo-2021, lowo mkhawulo uyasuswa.

Ungazigwema kanjani izimali zokuthenga ezeqile?

Izindleko zokuthenga ezeqile zingasukela ku-$3 kuya ku-$25 ngomsebenzi ngamunye, kodwa lokhu kungagwenywa kalula uma usebenzisa i-akhawunti yakho yokuhlola njenge-akhawunti yansuku zonke yokuhoxiswa okujwayelekile, njengokukhokha izikweletu.

Kunoma yikuphi, kuyadingeka ukwazi umehluko okhona phakathi kwawo wonke lawa ma-akhawunti. Bheka isihloko sethu ku hlobo luni lwe-akhawunti yasebhange engingayenza ukuze ufunde kabanzi mayelana nezinhlobo ezahlukene zama-akhawunti.

➤ Izimali zokudlulisa ebhange

Okufanele ukwazi ukuthi i-bank transfer iwukudluliswa kwemali engenziwa phakathi kwama-akhawunti amabili okungenzeka avuleke noma angavulwa ebhange elilodwa. Ukudluliselwa kwebhange kungaba indlela esheshayo yokudlulisa imali ngaphandle kokusebenzisa imali ebonakalayo.

Kodwa, kufanele ukhokhele lokhu lula. Kule sevisi, amabhange ngokuvamile akhokhisa phakathi kuka-$16 no-$35 ngokudluliswa kwemali kwasekhaya nokwamanye amazwe.

Ungazigwema kanjani izimali zokudlulisa ebhange?

Ukuze ugweme lolu hlobo lwemali, kufanele usebenzise ukudluliselwa kwe-elekthronikhi, kodwa kancane. Le ndlela empeleni ayikuvumeli ukuthi ugweme kodwa ngaphambi kwalokho unciphise. Ngaphandle uma kuwumsebenzi osemthethweni odinga isamba esikhulu semali. Okunye, ungadlulisela izimali ku-inthanethi noma ngohlelo lokusebenza lweselula lwebhange lakho.

➤ Izindleko ezihlobene nokusetshenziswa kwekhadi lasebhange

Izimali zekhadi lesikweletu azihlukani kuphela ekhadini nekhadi, kodwa futhi kusukela ebhange nebhange ngokukhetha kwekhadi elifanayo. Lezi zindleko zingase zihlobane nokubhaliselwe konyaka, ukuhoxiswa kwemali, ukusebenza ngaphandle kwezindawo zezimali, ukwebiwa kwekhadi noma ngisho nokukhishwa kabusha kwephasiwedi.

Phakathi kwalezi zimali, ezinye zimahhala kuye ngamabhange. Khumbula ukuthintana nemibandela yamanani ebhange lakho ukuze ungabi nezinto ezimangazayo ezingemnandi!

Indlela yokugwema noma ukunciphisa izimali zekhadi lesikweletu?

Ukukhetha ikhadi lasebhange elifanele kubalulekile, ikakhulukazi njengoba amanani ehluka kakhulu ukusuka kwelinye ibhange ukuya kwelinye. Ukukhawulela izindleko zekhadi lesikweletu kulula, inqobo nje uma ucabangela amaphuzu athile! Bheka umhlahlandlela wethu ku Ungalikhetha kanjani ikhadi lakho lasebhange?

Ukuze ukhethe ikhadi lakho lasebhange, kufanele:

Cabangela izidingo zakho: Asikho isidingo sokukhokha imali eyengeziwe yekhadi lesikweletu ngezinkonzo ongazidingi!

Naka imikhuba yakho yasebhange: khetha ikhadi elihambisana nemikhuba yakho. Asikho isidingo sokuthatha izinketho zekhadi lesikweletu njengomshuwalense wokuhamba kwamanye amazwe uma ungalokothi uhambe ngaphandle kwezwe lakini!

Uncamela ibhange eliku-inthanethi: izimali zekhadi lesikweletu ezikhokhiswa amabhange aku-inthanethi ngokuvamile zibiza kancane kunalezo zamabhange endabuko.

???? Isifinyezo...

Kulesi sihloko, angisho ukuthi ngiyakwazi ukukuvumela ukuthi ugweme zonke izindleko zebhange. Eqinisweni, izindleko zasebhange azisoze zanyamalala ngokuphelele. Unamandla okugwema iningi lalezi zimali eziza ngendlela yakho.

Gwema nje imikhuba emihle yokuphatha kusuka ku-akhawunti yakho yasebhange. Bheka ibhalansi yakho futhi njalo uhlole i-akhawunti yakho ku-inthanethi ukuze ugweme amaphutha okukhokha. Futhi, uma unomuzwa wokuthi awukwazi ukugwema izinkokhelo zebhange lakho zamanje, ungesabi ukuthola elinye ibhange elikulungele.

Bheka isihloko sethu ku Qonda ibhange ukuze litshale imali kangcono ngakho-ke uyazi ukuthi ungakhetha kanjani ibhange elikulungele.

Qhubeka, ungishiyele konke okukukhathazayo kumazwana. Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukufundisayo indlela yokuthengisa izeluleko ku-inthanethi. Chofoza lapha ukuze uyithenge.

Inhlanhla