Mari yaunoisa mubheji rekutarisa kazhinji haizogarisi kwenguva yakareba, sezvo ndiyo iyo kushandiswa kwezuva nezuva, zvikwereti, nezvimwe zvikwereti zvinoitika.
Ndezvipi Kusiyanisa Pakati Pekuona Chekuita neAkaunti Yokuchengetedza?
Nhamba dzakawanda dzekutarisa mabhuku hadzina mitemo pamusoro pehuwandu hwekutengeserana kwaunokwanisa kugumisa mwedzi mumwe nomumwe, asi kambani yekuchengetedza inogona kuderedza nhamba yekubvisa kwaunogona kuita kubva kuATM kana munhu. Panewo miganhu pamusoro pehuwandu hwekufambiswa kwaunobvumirwa kubva pakuchengetedza kuongorora maakaunti.
Kazhinji, iwe haugoni kubhadhara zvakananga kubva paakaunti yekuchengetedza, nekuda kwemurairo wehurumende unonzi Mutemo D unogadzirisa zvimwe zvekuregererwa .
Zviri nyore nyore kushandisa mari mukutarisa kwekodhi yako kuburikidza nokutora mari kunze kweATM, kunyora cheki, uchishandisa kadhi yako yebhengi, kana kubhadhara chimwe chinhu pamagetsi. Saka kana uri kutsvaga kambani yemari yako yekushandisa mari, chekuita chekuongorora ndiyo yako yakanakisa kubheji.
Kusarudza Zvakarurama Kuongorora Account
Iwe uchaona kuti mabhanga akawanda anopa maitiro akawanda ekutsvaga maakaiti. Unofanirwa kufunga nezvezvinhu zvaunoda pakusarudza kero yako yekuongorora.
Chengetedza kunyanya kuenzanirana zvinodiwa , uye sarudza kuva nechokwadi chokuti unogona kuichengeta. Iwe hausi kuda kupedzisira uine huwandu hwekuenzanisa iwe husiri kukwanisa kuchengeta uye kupedzisa kubhadhara mari yebhangi mari mwedzi umwe neumwe.
Dzimwe nhoroondo dzinogadzirisawo nhamba yekutengesa kana kubhadhara mari yaunogona kuva nayo mwedzi. Vamwe vanogadzirisa nhamba yebhadharo yekubhadhara. Iwe unofanirwa kuziva nezvemiganhu iyi uye iva nechokwadi chokuti inoshanda kuti ushandise mari yako. Kana nhamba idzi dzichiita sedzinodzvinyirira zvakanyanya, funga kuendesa akaunti yako kune imwe nzvimbo.
Uyezve, unofanirwa kufunga nezvekubhadharwa kwemwedzi nemari uye mari yepamusoro yebhadharo yega rega. Zvikwereti zvekwereti zvinowanzopa mari shoma. Uyewo gara uchiyeuka kuti mabhengi mazhinji ane mwedzi wemari yekubhadhara kana iwe wakangoerekana uisa kana kuti unosangana nenhamba shoma yekutengesa kwemwedzi . Zvisinei, kutengesa kusingabhadhari maakaiti kunovapo.
Kuvhura Checking Account
Kana wawana kero yekutarisa inosangana nezvido zvako, danho rinotevera nderekuti uzarure account. Paunoenda kubhangi kuti uzarure kero yako itsva yekuongorora, iwe uchada kupa huwandu hwekuchengetedzwa kwehuwandu uye huwandu hwekuzivikanwa.
Mazhinji mabhangi haazozarurire cheki chekuongorora chechidiki, saka iwe uri muduku kudarika makore gumi nemana, iwe unoda cosigner pabhuku. Paunenge uzarura kambani yekuongorora bhangi ichagadzirisa nekukurumidza chikwereti chekuongorora chikwereti . Kana wakamboudzwa ChexSystems kana kambani yakafanana iwe haungabvumirwi kuzarura kambani kusvikira waisa pachena, sezvo bhanhire risingazoiti pangozi yekurasa mari kwauri.
( Haugoni kuzarura kero yekutarisa? Une mamwe maitiro.)
Kushandisa Account Checking
Paunotanga kuzarura kambani yako yekuongorora iwe uchada kuchengetedza chikero chakakosha kuitira kuti utarise mari yaunayo muakaunti yako. Izvi zvinokudzivirira kubva pakubhadhara overdrawing account yako. Yeuka, chikamu chawakagamuchira paATM kana kuona paIndaneti hachifaniri kunge chava kunyanya kukosha, nokuti hazvisi zvose zvichange zvabvisa kero yako ikozvino. Ichi ndicho chikonzero zvakakosha kuchengetedza zvekutengesa kwako iwe pachako. Kana iwe usisiri peni-uye-pepa munhu akadaro, kubhadhara mari yepaIndaneti uye mari inogona kukubatsira iwe kuita izvi.
Uyezve, zvakakosha kuti uenzanise account yako mwedzi mumwe nomumwe, sezvo izvi zvichabatsira kubata chero zvikanganiso iwe iwe kana bhangi zvawakaita sekumisa kune zvakashata kana kushandiswa kusina kubvumirwa .
Ramba uchifunga kuti dzimwe nguva, mari yako ingasave yakakurumidza kuwanika , zvinokosha kuti unzwisise hurongwa hwebhangi rako nezvekuita kuti mari yako ivepo.
Kunzwisisa Wako Overdraft Options
Iwe unofanirwa kuziva zvakare nezvekuchengetedzwa kwerefranki iyo bhagheni yako inogona kupa. Dzimwe mabhengi kana zvikwereti zvekwereti zvichakubvumira kuti ubatanidze imwe nhoroondo kumari uye uchatumira mari kuti ikufukidze iwe paunopinda mune zvakaipa. Mamwe mabhengi achabatanidza mutsara wechikwereti kuongororo yako yekuongorora uye achaendesa mari muakaunti yako kuti akufukidze. Vamwe vanozokubvumira kuti uwedzere kune imwe muganhu uye wozotanga kudzoka cheki .
Kana iwe uri kutowedzera kubhadhara maakaunti ako, iwe unofanira kuzvidzidzisa pane zvakanakisisa zvekuchengetedzwa kwebhadhiro inopiwa nebhangi rako, pamwe chete nemari inofambidzana nayo.
Kudzivirira Mari Yako
Kambani yekuongororwa inopihwa neDFIC kusvika ku $ 250,000. Zvisinei, kana iwe uine mari yakawanda kudaro , iwe unogona kunge uri nani pane kuisa vazhinji muakaunti yekuchengetedza kana rumwe rudzi rwekutsvaga mari.
Kero yako yekuongorora inofanira kungova nemari chete yaunoda kwekutengeserana kwezuva nezuva mukati memwedzi. Kunyange zvazvo mamwe mabhangi anopa kudiwa-kutarisa kuongorora mabhuku, mari yacho inowanzopfuura pasi pekaunti yekuchengetedza . Uyezve, kana kadhi rako rekuchechecheta kana chebhengi rakabiwa, zvakakosha kuti rizivise iyo pakarepo. Bhengi inogona kuisa mari yekusiya kuri account yako uye inokudzivirira kuti urege kurasikirwa nemari yakawanda.
Yakavandudzwa naRachel Morgan Cautero.