Zvisina Kukwana Mari Iko Kunoreva
Mari isina kukwana imamiriro apo iyo nhoroondo yako haina mari yakakwana yekuwanikidza kubhadhara.
Semuenzaniso, unogona kunyora cheki kana kuti unyore kuti utengesi hwemagetsi uchishandisa kambani yako yegetsi.
Kana chikwereti ichocho chichikanda akaunti yako (zvichida nokuti biller wako anokumbira mari kana kuti akaisa cheki yako ), bhangi iyo inofanidza kuti iwe une zvakawanda sei uye kuti iwe unokwereta zvakadini pamutengo. Kana iwe usina mari yakakwana, bhagheni rinogona kurambidza kubhadhara: hapana mari ichasiya akaunti yako, uye biller haazobhadharwi. Mune zvimwe zviitiko, bhagheni rako rinobvumira kuti kubhadhara kuve kuburikidza - ona pasi apa.
Panzvimbo yekushandisa izwi racho risina kukwana mari, unogona kunzwa nezvechechi, chekuregererwa kwekubhadhara, kambani yekubhadhara, kana mari isina kukwana (NSF).
Chii Chinoitika Zvadaro
Muzviitiko zvizhinji, bhagheni rako richabvisa matanho kana iwe usina mari yakakwana yekuvhara mubhadharo. Asi inowedzera.
- Mitero inounganidza: mabhengi ekubhadhara mari kana iwe usina mari yakakwana. Tarisira mutero we $ 35 kana zvakadaro. Mukuwedzera, ani zvake waunenge uchiedza kubhadhara angangokubhadhara iwe mari. Bhizimisi rinoisa chekuita rako rakaipa richabatwa nebhangi ravo uye ichakupa mhosva yacho. Kunyangwe iwe waive uchibhadhara mari yemagetsi, kazhinji kacho chirango chekubhadhara zvikwereti.
- Dhiyabhorosi: mabanki haadi vashandi vanobhadhara mari dzavo (kunyange zvazvo vatengi ivavo vanoita mari yakawanda). Vanonetseka kuti bhagheni ichazopedzisira idya mutero wakaipa uye unofanira kuedza uye kuunganidza kubva kune mutengi. Mabhanji angagona kuvhara akaunti yako kana iwe ukadzorera kero yako kakawanda, uye zita rako rinogona kuguma mune zvinyorwa zvinotarisa vatengi vane nhoroondo yekunyora zvakaipa checks .
- Zvinetso zvemutemo uye chikwereti: kana iwe ukaita tsika yekudhadharisa account yako (uye hausi kushandisa overdraft kudzivirirwa), iwe unogona kuguma uchikuvadza zvikwereti zvako zvekwereti - uye unogona kunge uine zvinetso zvepamutemo kana zvichiita sokuti uri nechinangwa kushandisa mari kupfuura iwe unogona. Kune vanhu vakawanda, iyi haisi nyaya, asi inogona kuitika.
Overdraft Protection
Mabhangi anopa mapurogiramu ekudzivirira overdraft kuti "abatsire" apo nhoroondo yako yepamusoro inotsika pasi. Panzvimbo yekuramba kutengesa, vanozobhadhara sokunge iwe une mari yakakwana, uye iwe unoda kudzorera mari iyo nokukurumidza.
Overdraft kuchengetedzwa inosarudzwa - unoda kusarudza-kana iwe uchida paakaongororwa nekambani, uye haisi iyo pfungwa yakanaka yekupinda. Kana iwe usisarudze, kadhi yako yemari icharamba yakarambwa kana iwe uchiedza kuita mubhadharo wausingawani. Muchiitiko ichocho, unogona kungosarudza kushandisa kadhi rakasiyana, kuripa mari, kana kuita pasina chaunenge uchitenga. Zvisinei, kana iwe ukasarudza-paunenge uzarura akaunti yako, unobvumira bhanjeri kuti ibhadhara mari yefredraft uye inobvumira kutenga nemari yakawanda kupfuura iwe.
Kana ukasarudza kuti iwe unoda kuchengetedzwa kwerefreck, sarudza nokuchenjera. Chakare-madhora $ 35 chekuchengetedza mari yakawandisa hachiwanzobhabheti yako yakanakisisa (kana iwe uchikweretesa ne $ 2, iwe uchabhadhara mari yakazara $ 35).
- Overdraft mitsara yechikwereti inodhura zvakanyanya kudarika imwe-yezvinhu overdraft mari. Panzvimbo pekubhadhara mari yakawanda, iwe uchabhadhara chikwereti pamari yaunokwereta, iyo inowanzosara kudarika mari.
- Bhenganisa kambani yekuchengetedza kuongororo yako yekuongorora. Bhengu yako ichakwevera mari inoda mari kubva kune mari (kunyange zvazvo pangava nemari yakazara ye $ 10 kana zvakadaro - chengeta nebhani yako).
Cherechedza kuti iwe kana iwe usina kunyora chekuchengetedza kweredraft, bhenji yako inogona kubvumira kubhadharwa kuti upfuure kana iwe uri pfupiso (uye kukwereta iwe usina kukwana mari mari). Kubhadhara kushandiswa kwakakwana, kwakadai sekubhadhara mari yevashandi kana mari yemishuwarenzi, inogona kubhadhara kunyange iwe wakabvunza bhanjeri yako kuti irege kutengesa kana iwe uri kunze kwemari (asi chengetedza nzira nebhangi rako kuitira kuti uzive zvaunotarisira) .
Kudzivisa Matambudziko
Kuti urege kudzikwanika mari yemari, chengetedza ma tabs pane account yako, uye chengetedza mari yakawedzerwa.
- Chengeta maakaunti ako nekupinda muIndaneti kana kuisa maziso (kana kutumira tsamba inokurumidza) nebhangi rako. Iyo pfungwa yakanaka yekudzokorora kutengesa nguva dzose chero ipi zvayo kuitira kuti iwe unogona kuona unyengeri mangwanani .
- Ziva kuti wakawana zvakawanda sei nekuenzanisa account yako. Kana iwe ukaramba uchicherechedza bhaari yako, mari ipi zvayo inouya uye inobhadharwa uye chero ipi zvayo inobata kana kusunungura paakaunti yako , iwe uchaziva kuti unogona kushandisa mari yakawanda sei kunyange bhanhire rako risati raita.