- Unogona here kunyora cheki kubva ku-akhawunti yekuchengetedza?
- Zvakadini nekutengesa kutenga muInternet nemari iyo?
- Unogona here kugadzirisa zvinodzokora mari?
Mhinduro yemibvunzo iyo inowanzo. Nhoroondo dzekuchengetedza haigoni kukubvumira kunyora cheki yekubhadhara uye kutenga.
Zvinowanzova nyore kutora cheki kubva kubhengi yako yekuchengetera inobhadharwa kwauri (muridzi webhuku) , asi izvi zvinoreva kubvisa. Iko cheki inodhindwa nebhangi rako, uye iwe hauna kuwana cheko rako rekunyora kunongedza iwe pachako.
Kana bhengi yako ichibvumira ichi (kana iwe uchibudirira kuchigadzirisa), chinhu chimwe chaunoda kutarisisa-iwe unogona kunge uchiri nani kushandisa chekuongorora chezvinhu izvi. Kana zvizhinji zvezvizvi zvisizvo zvichiitika mwedzi woga woga, tarisira kusagadzikana (kunoda kuvhura nhoroondo itsva uye kuchinja zvikwereti izvozvo chero zvakadaro) pamwe nemari yemabhanki.
Izvozvo zvakati, kune nzira dzekushandisa mari iri muakaunti yako yekuchengetedza.
Mitanhatu Nemwedzi
Chikonzero chausingazokwanisi kubhadhara kubva kubhuku rekuchengetedza murairo wezvematongerwo enyika unoisa miganhu yemamwe marudzi ekuregera (Mutemo D). Paunenge uchitarisana nekodha yekuongorora, unogona kuita sehuwandu hwekutora sezvaunoda kuburikidza nekunyora cheki, uchishandisa kadhi yako yebhadharo, kuita mari yebhadhiro yekubhadhara , kana kubvisa mari.
Munhoroondo yekuchengetedza, iyo mibairo yekubhadhara, pamwe chete nemari yekubhadhara magetsi uye kuwedzerwa kwekutsvaga, inogumira kumwedzi matanhatu pamwedzi (kunze kwekuti iwe unozviita mukati-munhu, pamusoro pefoni, neposhu, kana paATM).
Izvozvo zvinotsanangura kuti sei iwe usingakwanise kunyora cheki kubva kuakaunti dzekuchengetedza kana kuvashandisa pakutenga kwepaIndaneti; pasina mitsara kubva kubhangi rako, iwe ungangodaro uchitungamira muganhu we federal, uye bhenji rako rinopinda mumatambudziko kana iwe ukaita izvozvo.
Hapana mhedziso kuwanda kwekuisa mari yaunogona kuigadzira ku-akhawunti yekuchengetedza. Saka enda mberi uwedzere mari pose paunenge uine mukana.
Chinhu Chikuru Kwazvo
Kana iwe uchida kambani inobhadhara chikwereti uye kukwanisa kushandisa mari iyo nyore, une zvisarudzo zvishomanana.
- Chikwangwani chekutarisa zvinokanganisa ndizvo zvavanonzwika; kutarisa zvikwereti (pasina chikamu chekutsvaga kwemwedzi) chinobhadhara chikwereti pamari yako. Nhamba dzechido inowanzopfuura pane zvaunogona kuwana munyaya yekuchengetedza, asi muInternet kutarisa kuongorora kubhadhara mari yekukwikwidzana. Dzidza zvakawanda nezvekuwana chido nekutarisa pasina .
- Mariko yemari yemari yakafanana neakawedzerwa-savings account accounts. Vanorayira kupfuura plain-vanilla savings accounts, uye iwe unobvumirwa kunyorera checks kubva kumari yemari yemakethe (iwe unogonawo kuwana kadhi yebhadhiro yekushandisa). Kungofanana nenyaya dzekuchengetedza, iwe une mamiriyoni matanhatu-pamwedzi (uye mamwe mabhanga anodzikisa kusvika kumatatu), saka aya nhoroondo haisi yekushandiswa kwezuva nezuva. Kana iwe chete uchida kunyora cheki pane zvaunenge uchiita pane imwe nguva, vangasangana nezvido zvako.
Zvaunogona Kuita
Iyi mitemo mitanhatu-mwedzi hairevi kuti iwe unofanirwa kuita rwendo kubhengi kushandisa mari mari yako yekuchengetera. Iwe unowana mikana mitanhatu yekubuda kunze kwezvaunoda mwedzi.
Heano dzimwe nzira dzekuchengeta mari yako yakawanikwa.
- Tumira kuongorora: kutumira zvaunoda kuongororo yako yekutarisa, uye ushandise kubva kubhuku iyo. Aya marudzi ekufambisa anokwana matanhatu pamwedzi kunze kwekunge iwe uchizviita mukati-munhu kana paATM, asi nekugadzirisa zvishoma, unofanira kukwanisa kuwana mwedzi mumwe nomumwe. Kana usina chikamu chekutarisa, shandisa imwe. Edza nhoroondo yakabhadharwa kana iwe usingakwanisi kuzarura kero yekuongorora pabhangi kana kubhadhara chikwereti.
- Iva nemari: hapana mimwe mitemo yehurumende pamusoro pekuti iwe unowanzobvisa sei mari kubva kubhuku rekuchengetedza uchishandisa ATM kana mutauriri.
- Tora cheki: kana iwe usingasununguri kushandisa mari, iwe unogona kuita kuti bhandi ripinde cheketi kubva paakaunti yako yekuchengetedza. Kana cheko ichibhadharwa iwe (muridzi webhuku), mutero uyu haugoni kuenzanisa nemwedzi wako wemwedzi. Iwe unogonawo kukumbira chekiti inobhadharwa kune mumwe munhu, asi chengetedza nebhangi yako kutanga: kana yakabvumirwa, iwe uchada kuisa mafomu uye ichave yakatarisana nekutengeswa kwako kwitanhatu.