Bouncing Checks?

5 nzira dzekudzivisa kutora cheki

Kuburitsa cheki kuri nyore uye kuve nyore. Zvinogona kuita sechinhu chisina kujeka kwauri, asi mabhangi, vatengesi, uye vamwe vanozvitora zvakanyanya. Vachaita kuti hupenyu hwako huve hwakaoma uye hubhadhare mari yakawanda, saka nzira yakanakisisa ndeyokudzivisa kugadzira cheki munzvimbo yekutanga. Iwe unogona kuguma nekupomerwa mhosva uye kukanganisa kune chikwereti chako.

Sei uri kukonzera cheki?

Iko pfungwa yakanaka kuti unzwisise kuti kutarisa kwaitwa sei uye nei yakawana nyore nyore kunyora kuongorora kwakaipa.

Chokutanga, zvinhu zvose zviri magetsi kuitira kuti zvinhu zviitike nokukurumidza. Kunyange kana iwe ukanyora chekare chekare nepeni uye pepa, cheki inogona kutendeuka kune chekugadzira magetsi kana iwe uchiisa kune mutengesi kana kambani yako yebasa. Haafaniri kutumira tsamba yacho chero ipi zvayo (iyo yakashandiswa kukupa nguva yakawanda yekuuya nemari).

Kunyange shamwari dzako nemhuri yako inogona kuisa cheki nesadhifoni mushure mokunge uchitora.

Teknolojia inokupawo dzimwe nzira dzekugadzirisa cheki. Iwe haufaniri kunyange kunyora cheki chaiyo; iwe unogona kubhadhara zvikwereti zvinowanzobva kubhuku rako. Kana zvinhu zvichitsvaga, zviri nyore kurasikirwa nehuwandu hwaunacho uye kuti uri kushandisa mari yakawanda sei. Mari iyo inogona kukundikana kana iwe uchinge usina mari, uye inowedzera mukana wekukomberedza cheki muchitoro - kunze kwekuti iwe unogona kuyeuka kubhadhara kwose kwakabviswa kubva ku-akhawunti yako uye kana mari ikabuda.

Nzira yekudzivisa kugadzirisa imwe cheki

Zviri nyore kugadzirisa cheki, asi zvakare zviri nyore kudzivisa nemamwe maitiro akanaka (izvo zvichabatsira mari yako mune dzimwe nzira zvakare)

1. Shandisa mari yako chekuongorora kuitira kuti uzive kuti unotora mari yakawanda sei. Kana iwe usina mari, usanyora cheki. Iva nechokwadi chekuverenga nezvekutengesa zvakananga uye kubhadhara mari yepaIndaneti .

1. Dzokororai zviyero zvebhuku usati wapedza . Ingoenda kumaakaunti ako online (iwe unogona kushandisa kunyange foni yako). Enda kushanyira ATM nokuda kwebhenji rekutsvaga kana kufonera bhanki yako kana uchifanira-zvakakodzera kutora nguva yakawedzerwa kuti urege kubvunzurudza cheki .
2. Shandisa bhajeti kuitira kuti uzive kuti dollar imwe neimwe inoenda sei iwe usati yawana. Kuronga mberi zvinoreva kuti unogona kuvhara zvinodikanwa uye unoramba uchiri kutarisira pamusoro pezvakanaka-zve-zvinoshandisa. A
3. Rega kuripa magetsi kana vachikugumbusa. Nzira yakanakisisa yokunzwisisa uye yekudzora mari yako ndeyokuita zvose zvese. Kana ukangomira bouncing checks kuenda mberi uye utange kushandisa teknolojia. Cherechedza kuti iwe unogona kukwanisa kuita zvose zvese (kana zvinodhura zvakawanda kunyora cheki pane kushandisa purogiramu yemari yepaIndaneti) kuitira kuti ungasarudza kusarudza uye kuti uchatora sei usina kukodzera.

Iwe unogona kushandisa shanje rako rebhadharo rekubhadhara mari yepaIndaneti kuti ubhadhara zvikwereti, asi zvakanakisisa kuti iwe pachako uone chero mari yega yega inopinda uye uchitarise kuti uripire. Kushandisa mubhadharo yemari muIndaneti kunokubvumira kungobata "Tumira" (kamwe kana zvose zvasimudzwa) uye usabhadhara kubhadhara.

5) Tora chikwereti chekubhadhara mari yechikwereti apo zvose zvese zvinokundikana. Iko inowanzosarudza mari shoma kuBhangi.

Iwe unogona kudzivisa kucheka cheki kwechikamu chikuru nematanho ari kumusoro, asi iyo pfungwa yakanaka kuva netariro yekuchengetedza panzvimbo.