Mazano Anonyanya Kuwana Maitiro Akawanda Kubva MaApunti Ekuchengetedza
Nhoroondo yekuchengetedza ndiyo inonyanya kukosha yekodhi pabhangi kana kubhadhara chikwereti, ichikubvumira kuisa mari, kuchengetedza mari yakachengeteka, uye kubvisa mari sezvinodiwa. Nhoroondo dzekuchengetedza dzinowanzobhadhara chikwereti pamari yako, iyo inokubatsira kuti uwedzere mari yako, asi inhamba inenge yakaderera pamakondomu aya ane ngozi.
Sezvaunoziva nhoroondo yako yekuchengetedza, iwe uchashandisa mamwe maakare ezvimwe zvidikanwi zvemari (kufanana nekodha yekuongorora yebhadharo nekutenga ).
Nzvimbo Yakachengeteka Yokuwana Mari Yako
Nhoroondo yekuchengetedza inobata mari yako munzvimbo yakachengeteka - bhangi rako kana chikwereti chebato. Panzvimbo pokutakura mari kana kuchengetedza mari mumba mako, unogona kuisa mari yacho kubhengi yekuchengetedza kuchengetedza zvakachengeteka.
Mari inenge iri kunze kwebhanhire inogona kubba nyore kana kuora mumoto. Asi apo hurumende inotsigira kuchengetedza kwako, iwe unodzivisa kurashikirwa nekurasikirwa nemari kana bhangi rako kana chikwereti chekoni chikakundikana.
- Mabhangi akafukidzwa neDFIC inshuwarisi
- Federally insured mvumo yekubhadhara mari inofukidzwa neNCUSIF yunivhesiti (maakaiti pamakambani emakwereti anowanzoti "share" accounts )
Nhoroondo dzekuchengetedza dzinopa nyore nyore kuwana mari yako (inozivikanwawo sehupfumi, kana kukwanisa kubvisa nyore nyore uye nokukurumidza). Kana uchinge wakagadzirira kushandisa mari, unogona kubvisa mari kana kutumira mari kubhengi rako rekutarisa kuti ubhadzwe ne cheki, debit kadi, kana kuwedzerwa kwemari yemagetsi. Iwe kazhinji haugadziri zvipo zvekubhadhara zvakananga kubva kubhuku rako rekuchengetedza - mutemo wezvematongerwo enyika unogadzirisa nhamba yevamwe vanoendeswa kubva kune mari imwe neimwe mwedzi .
- Dzidza nezvekushandisa kadhi yebhadharo yekutenga uye zvimwe zvipo.
- Ona kuti ungagadzirisa sei mubhadharo rekubhadhara paIndaneti kubva pakuongorora.
Kunyange zvazvo kune zvibvumirano zvinodzingwa kuendeswa mberi, unogona kuita nhamba dzisingagoneki dzemari dzinotora kubva kubhuku rako rekuchengetedza paATM kana nevanotaura mabhanki ako.
Kukura Mari Yako
Nhoroondo dzekuchengetera dzinobhadhara kufarira mari mumabhuku ako. Somugumisiro, bhangi rako richaita zvinyorwa zvishoma kubhuku rako, kazhinji mwedzi mumwe nomumwe. Inharaunda inofarira inobva kune mamiriro ehupfumi uye bhagheni rako richida kukwikwidzana nemamwe mabhengi. Mari yekuchengetera maakaji kazhinji haisi yakakwirira kwazvo-inogona kungoenderana kana kuti isingakwiwi kutengesa kwezvinhu - asi njodzi yekurashika yako haisipo kana mari yako isingatengeswi nehurumende.
Chinhu chiduku chakanaka chiri nani kudarika chinhu (kutarisa mabheti kazhinji hazvibhadhari chinhu zvachose, asi pane zvisizvo).
Kuenzanisa maakareji ekuchengetedza, tarisa purogiramu yepenteji yemari (APY) yakabhadharwa paaka. Nokuda kwechido chakanyanya, edza kushandisa kushandiswa kwekombiji yekuchengetedza kwekuchengetedza:
Online Savings Accounts
Nhoroondo dzeIndaneti-inongova yakasarudzwa pamusorosoro wepamusoro uye mari shoma . Mabhenji epaIndaneti haaine hutano humwechete anotengesa semabhangi ezvidhinha-uye-matope, uye zvinowanzoita kuti iwe uitwe neadiki seyodhora rimwe chete. Iwe kazhinji uchatora kadhi yeATM kuti ubvise mari, uye iwe unogona kutumira mari kune (kana kubva) kubhengi rako rekune imwe nyika kana kubhadhara mari yechikwereti mumagetsi mumazuva matatu ebhizinesi. Kuti uwedzere mari, iwe unogona kazhinji kuisa cheki nefoni yako .
Money Market Accounts
Kufanana neakachengetesa mabhengi, mabhizimusi emakambani emari anotenga chikwereti pamari yako uye achigadzirisa kuti iwe unogona sei kuchinja dzimwe nguva. Zvisinei, ivo vanowanzobhadhara mari yakawanda kupfuura mari yekuchengetedza, uye zviri nyore kushandisa mari yako.
Nhoroondo idzi dzinowanzopa kadhi yekubhadhara kana bhuku rekuongorora raunogona kushandisa kuti ushandise kusvika katatu mwedzi wega wega (kuitira kuti inobatsira pakuunza mari inokurumidza kana kuti yakakura, zvisizvo zvishoma).
Zvitatimiti zveDhipatimendi (CDs)
Kana iwe ukakwanisa kuzvipira kuti urege kusiya mari yako isina kutorwa kwemwedzi mitanhatu, ungakwanisa kuwana zvakawanda muCD . Nhoroondo idzi dzinouya nekusiyana kwezvisungo (mwedzi mitanhatu, gore rimwe chete, kana makore maviri, somuenzaniso), asi iwe unogona kubhadhara chikwereti kana iwe ukabuda kare. Mamwe maCD anogadziriswa, achipa chirango chisina kutanga , asi kushanduka kunowanzouya nezinga shoma.
Sei mabhengi aripo achibhadhara mari yako? Kukukurudzira kuti uise mari uye uisiye mubhuku rako. Vanowedzera uye vanokweretesa mari yacho kune vamwe vatengi kune imwe yepamusoro yekutora uye vanowana purogiramu pamusiyano (kana kuti "kupararira") pakati pezvibereko zvekuda. Dzidza zvakawanda pamusoro pekuti mabhengi anoita sei mari .
Unoda Aunti Yokuchengetedza Here?
Zvinowanzova kuchenjera kuva neakaunti yekuchengetedza, uye ivo vanowanzova vakasununguka - kunyanya pamabhanki epakombiyuta uye mabhenji emunharaunda uye zvikwereti zvekwereti.
Pasina nhoroondo yekuchengetedza, iwe uchachengetedza kupi mari yausingadi kuronga munguva inotevera? Hazvisina ngozi kuchengetedza mari, uye kune ruzivo rwepfungwa yekushandisa kero yekuchengetera: Zviri kuedza kushandisa mari yaunenge uri nayo (kana mune imwe chekuongorora), saka mari yekuchengetedza inokubatsira kuti uise mari kunze nekusvika kwako zvinangwa.
Bhengi maakaunti anoita kuti zvive nyore kushanda munyika yanhasi. Iwe unogona kuwana kunze kweumwe chete, asi iwe uchapedza nguva yakawanda yakawanda nemari pane zvinhu zvingadziviswa kana iwe ukazarura account.
Nzira Yokuzarura Nayo Account Savings
Kuzarura gwaro rekuchengetedza kunofanira kutora nguva shoma pane awa (dzimwe nguva maminetsi mashomanana ), uye ichakushumira iwe kwemakore akawanda ari kuuya. Nzira yakareruka yekuzarura nhoroondo ndeyokuzviita paIndaneti kana nefoni yako. Kana iwe uchida mu-munhu kutungamira, shanyira bazi rebhangi.
- Enzanisa mabhengi nokuongorora kubhadhara mitengo, mari, zvishoma zvido zvezvinodiwa, uye mamwe mabasa. Nhoroondo dzekuchengetedza hazvibhadharwi, saka chero mari yaunogona kuidya mumari yawakapa-kuwedzera pakupedza chero mari yaunowana muakaunti.
- Kana uri kutarisa zvikwereti zvekwereti , chengetedza kuti uri kukodzera kubatana. Tsvaga mashoko iwayo paIndaneti, kana kungoshevedza chikwereti chebvumirano uye mubvunze nezvekuvhura nhoroondo.
- Sarudza bhagheni kana chikwereti chekoni chinosangana nezvido zvako. Chinhu chinonyanya kukosha ndechokuti uwane kambani iyo iri nyore kushandisa uye kuti iwe uchaisa mari mukati (kana izvo zvinoreva kuti bazi rinonyatsowanikwa kana kuti purogiramu yes mobile inonzwisisika kwauri). Kuwedzerwa kwepamusoro zvishoma kunenge kusina kukosha kunze kwekunge iwe uchizoita mari huru.
- Unganidza ruzivo rwaunoda kuti uzarure account. Iwe uchada kuziva hurumende-yakabudiswa (nhamba yeirivha yekufambisa, chiziviso chemasoja, kana imwe chizivo), yako Social Security Number kana yakadaro, uye kero yekutumira.
- Vhura account paIndaneti kana mu-munhu kuburikidza nekutumira chikumbiro.
- Chengetedza iyo nhoroondo neyokutanga mari, kana ichidiwa (kana kungowedzera paunokwanisa kuita kudaro).
Kuti uzarure nekodhi, kana munhu mumwe chete aibhadhara akaunti anofanira kunge ari kupfuura makore gumi nematanhatu. Izvo zvakasiyana zvinokonzerwa kubva kubhangi kusvika kubhangi, saka bvunza basa revatengi kuti uwane tsanangudzo kana iwe uzarura kambani yemuduku. Pane nzira dzakawanda dzekuchengetedza mari kune mumwe munhu pasi pemakore gumi nematanhatu, saka ongorora zvose zvingasarudzwa .
Nzira Yokushandisa Nayo Akaunti Yenyu Yokuchengetedza
Nhoroondo yekuchengetedza inzvimbo yakanaka yekuchengetedza mari yakachengeteka pane zvinodiwa munguva yemberi. Nhoroondo dzekuchengetedza (uye kuchinja kwakanyorwa pamusoro apa) kunonyanya kukosha pamari yaungada mumakore mashomanana anotevera. Iwe unogona kunge usina kuwana mari yakawanda mukuchengetedza, asi chero bedzi mari yako isiri yeruzhinji uye iwe uripo-unoziva, iwe hausi kuzorasikirwa nemari iyoyo.
Zvimwe zvinowanzoshandiswa zvekuchengetedza mabhuku zvinotsanangurwa pasi apa.
Kuchengetedza MaPurisa Makuru:
Kana uri kuronga kutenga imba kana motokari mukati memakore mashomanana anotevera, iwe uchada kubhadhara chikwereti kuti uwane chikwereti - uye uwane zvakanakisisa mazwi . Uye nhoroondo yekuchengetedza ndiyo nzvimbo yakanaka yekuvaka (uye chengesi) iyo iri pasi kubhadhara apo uri kugadzirira kutenga.
Zvichauya Zvokufambisa Kana Zvimwe Zvimwe Mari:
Iwe uchafadzwa nehotera yako kunyanya kana iwe usingapindi chikwereti uye une mari yakakwana yekubhadhara iyo yose inofadza. Gadzira bhadha rezororo munhoroondo yekuchengetedza kuburikidza nokuendesa mari kubva pane zvaunowana pamwedzi wega wega. Nokubvisa mari iyo kubva pakero yako yekuongorora, haungatengwi kuiridzira.
Emergency Savings:
Upenyu nguva dzose hunogona kutishamisa. Chikwata chekukurumidza chinogona kukubatsira kuti usarega kutora chikwereti chinosvibisa (kana kurega kusagadzikana - kana kusina ngozi - zvinetso zvinogara) apo zvisingafanoonekwi zvikaitika. Mari yegwaro rekuchengetedza inowanzowanikwa pasina chero chirango, saka iwe unogona kutarisira nyaya nokukurumidza.
Kuwedzera Mari yekuchengetedza
Kune nzira dzakawanda dzekuwedzera mari kuigari yekuchengetedza.
Deposit Cash:
Imwe nzira yekuita mari ndeyekuunza mari kubhangi kana chikwereti chebazi rebazi. Iwe unogonawo kuisa mari pane mamwe ma ATM , achikubvumira kuti uise mari kunze kwemaawa ekubhengi (kana pane imwe nzvimbo inonyanya kukoshesa iwe).
Deposit Checks:
Iwe unogona kuisa chekete zvakananga mune imwe gwaro rekuchengeta. Paunenge uchiita mari yacho, ingoisa nhamba yako yenyaya yekuchengetedza pane slip deposit . Nebhengi dzakawanda, zvinogonawo kuisa cheki nefoni yako - saka haufaniri kuenda kune imwe nzvimbo pedyo nebazi kana ATM. Mari dzichawanikwa mumazuva mashomanana, zvichienderana nemabhenji emitemo .
Shandura Kubva Checking (Pakati):
Kana uine kero yekutarisa, kushandura mari kubva pakatarisa kuchengetedza mukati memabhangi mamwechete nyore, uye kazhinji kacho. Ingoshandisa purogiramu yebhangi yako, webhusaiti, kana mutsetse webasa revanhu kuti uende. Bvisa mari yacho kubva pakuongorora kuitira kuti uzive kuti yakachengeterwa chimwe chinhu.
Kudhindwa Kwekombiyuta (Bhengi kuBhangi):
Iwe unogonawo kuisa magetsi pamari yekuchengetedza kubva kune rimwe bhangi. Semuenzaniso, taurai nhoroondo yako yebato-ne-mortar kune imwe nhoroondo yeIndaneti inopa zvakawanda kana kukubvumira kuisa "zvidzidzo" kuti ikubatsire kuchengetedza zvinangwa.
Direct Deposit:
Kana iwe waunoshandira achibhadhara nemari yakananga , vabvunze kuti vatsaure chikwereti chako kuitira kuti zvimwe zvayo zviende zvakananga kubhengi rekuchengeta. Iko mari haichazombogoni kuongorora kero yako, saka iwe uchaponesa usina kunyange kuedza.
Kushandisa Money kubva Savings
Kuti uwane mari yako, iwe unowanzodikanwa kutamisa mari kubva panhoroondo yekuchengetedza. Muzviitiko zvakawanda, ichaenda kukero yekuongorora, uye iwe unogona kunyora cheki (kana kushandisa shanduro yebhadharo yepaIndaneti ) kana kushandisa kadhi yako yebhadhiro yekushandisa. Asi pane nzira dzakawanda dzokushandisa mari kubva pakuchengetedza.
Bvisa Cash:
Kana uchida mari yemuviri, unogona kuwana mari kubva kuATM. Iwe unogona kugadzirisa kusingagumi kubva kumabhuku eATM (kana newaudza, mumunhu).
Tumira kune Checking (Internal):
Kuendesa mari kubheji rekuongorora mubhangi rimwe chete kunokurumidza uye nyore. Ingosangana nebasa revatengi, kana kuti shandura kushandisa uchishandisa bhangi rako kana webhusaiti.
Kudhindwa Kwekombiyuta (Bhengi kuBhangi):
Zvakare zvakare kuendesa mari kune rimwe bhangi rakasiyana , asi iyo inotora mazuva akawanda emabhizimisi kunze kwekunge iwe uchinge uwedzere mari yekuwedzera mari.
Kumbira Check:
Mune mamwe mamiriro ezvinhu, zvingava zviri nyore kuti bhangi rako ridhindure cheko rinoshandisa mari kubva kubhuku rako rekuchengeta. Somuenzaniso, paunenge uchibhadhara mari paimba, bhagheni rako rinogona kugadzira chekisi yemari inokweretwa kune kambani yepamusoro kana mutengesi.