Kuti uwane mari yakawanda yekubhadhara makadhi uye kuti usarudze kana akakodzera iwe, verenga uye uone kuti vanoshanda sei uye vadzidze pamusoro pezvakanaka uye zvakashata.
Mamwe maCadhi akafanirwa Anoshanda sei
Makadhi akabhadharwa anotarisa uye anonzwa sezvinoitwa chikwereti chakakwana uye makadhi ekubhadhara. Ivo mapepa epurasitiki ane magnetic stripe (uye vanogona kunge vane smart chip yekuchengeteka). Kuti utenge chimwe chinhu, ingoita sokunge iwe une kadhi rechikwereti kana kuti chebhengi: shandura kadhi kana uri kune mutengesi kana kuisa mufoni yako nhamba kana iwe uri kutenga paIndaneti.
Mari iyi inobva kupi? Kuti ushandise mari nekadhi rakabhadharwa, iwe unofanira kutanga "kutakura" kadhi nemari - sokunge iwe unoda kutengesa bhatiri usati wawana simba kubva kwairi. Iwe unogona kuwedzera mari kune kadhi apo iwe unotenga kadhi (mamwe makadhi akagadzirirwa kushandiswa kwekanguva imwe chete, uye anouya nenhamba ye $ 100, somuenzaniso), kana iwe ungawedzera mari gare gare. Nemamwe makadhi akabhadharwa, iwe unogona kudzorera zvakare nekudzoka, uchishandisa chero ipi zvayo nzira dzinotevera:
- Isa gwaro rakananga kumadhi
- Uya nemari kune chitoro chezvitoro chingawedzera mari kune kadhi rako
- Dhipatimendi cheki ne-app inobatanidza nekadhi rako ( nokutora mufananidzo we cheki )
- Dhinda mari kubva kubhangi yako yebhangi kuenda kune yako yepayidi karenda
Kana ukangowedzera mari kune kadhi rako, unogona kushandisa mari iyo uye unotora mari paATM. Asi makadhi akabhadharwa anoshanda zvakasiyana pane makadhi emakwereti: nekadhi rakabhadharwa iwe haugone kushandisa mari yausina.
Kana ukangoshandisa mari yose yakatakurwa, kadhi haigoni kushanda kusvikira iwe uchitakura zvakawanda (kunyange mamwe makadhi anopa overdraft kudzivirirwa uye zvimwe zvakafanana).
Sei Uchishandisa Kadhi Yokubhadhara?
Makadhi akabhadharwa anowanzowedzerwa kudarika mazuva ose. Zvimwe zvezvikonzero zvinosanganisira:
Hapana chikwereti chinodiwa: chero ani zvake anogona "kukodzera" kushandisa kadhi rakabhadharwa. Nemhaka yokuti hausi kukwereta mari, mutori wemakadhi haazoongorori chikoro chako chikoro asati abvisa kadhi. Izvi zvinonyanya kufadza kune vanhu vane chikwereti chiduku-kupfuura-chakakwana, kusanganisira vechidiki vasati vavaka chikwereti chavo. Vamwe vanhu vanotoita sarudzo yekurarama upenyu vasina chikwereti (kana chikwereti chikoro) . Zvisinei, vamwe vatengi vane nhoroondo yekunyora zvakaipa checks vakataura nhamo kuburikidza nemamwe makadhi evhidhiyo.
Kudzora kushandiswa kwemari: kana makadhi emakwereti ari nyorewo kuedza, kadhi rakabhadharwa rinogona kukubatsira kuti urege kupinda mune chikwereti. Kana mari yacho isina kutakirwa padhipa rako, haugoni kuipedza. Makadhi akabhadharwa anoshanda zvakanaka kune vechidiki nevadzidzi vekukolishi, kunyange zvazvo kadi yakakwana yebhengi inogona kuitawo mano. Pasinei nokuti iwe unoshandisa kadhi yakabhadharwa kana bhidhi-yakabudiswa kadhi yebhengi, iva nechokwadi chekuziva kuti kana overdraft yekudzivirira ichakubvumira kuti iwe uwedzere mari - nekudzivisa izvozvi kana iwe usingadi.
Kwete Aunti yebhangi (mari) inodiwa: makadhi ekubhadhara mari anogona kushandiswa seimwe nzira yekuongorora chekuita pabhangi kana kubhadhara chikwereti. Kana iwe usingakwanisi kana kuti usingazaruri gwaro rekutarisa (zvichida iwe hausi kufarira kushandisa bhangi, kana kuti mabhanki haadi kuda kuzarura account zvichienderana nemari yako kana kutarisa nhoroondo yekunyora ), kadhi yakabhadharwa inokubvumira kunakidzwa nekukwanisa kubhadhara nepurasitiki. Mune zvimwe zviitiko, makadhi okubhadhara mari inodhura zvishomanana kushandiswa kupfuura yebhangi yebhangi. Pakupedzisira, makadhi akabhadharwa anogona kupa ruzivo rwemashumiro epaIndaneti uye mari yekufambisa -pasina kukosha kwekambani yebhangi yakazara (hongu, iwe unogona kurarama pasina bhadha yebhangi ).
Nhoroondo yakashata: kana iwe une hanya nezvekuchengeteka kana kuvanzika, ungave wakaneta kushandisa bhadha yako yezuva nezuva kana kadhi rechikwereti mune mamwe mamiriro ezvinhu.
Kadhi yakabhadharwa inoshanda zvakanaka sekodhi rekodzero. Zvichida uri kufamba kune imwe nzvimbo inonyanya kuzivikanwa nekubiridzira kadhi rechikwereti, kana kuti uri kutenga zvigaro zvaunoda kuti usashandise kadhi yako yezuva nezuva; kadhi rakabhadharwa rinogona kuisa pfungwa dzako "yezvakanaka" zvisingabatsiri.
Matambudziko neMakadhi Akafanopa
Izvo zvose zvinonzwika zvikuru, saka chii chiri kubata? Makadhi akabhadharwa anouya akakwana munzvimbo shomanana:
Kuchengetedza vatengi : makadhi ekubhadharwa mari haapi kupa kudzivirira kwakakwana kune vatengi sekodhi yemari uye makadhi ekubhadhara. Somuenzaniso, chii chinoitika kana nhamba yako yekadhi inoshandiswa zvinyengeri? Chii chinoitika kana kadhi yako yakaburitsa ichienda kumimba-yako (mari yako inogona kunge isina inshumo neDFC ). Kudzivirira kwevatengi kuri kuvandudza, uye vazhinji vanobudisa kadhi vanozvipa zvipo, asi mamwe makadhi anopa zvakawanda kupfuura vamwe.
Mari, mari, mari: kunyange zvinhu zviri kuwedzera, makadhi ekubhadharwa anozivikanwa nemari yakakwirira uye zvirongwa zvinokanganisa mari. Munguva yakapfuura, nguva bedzi yakanzwisisika kushandisa kambani yakabhadharwa yaive kana iwe usingakwanisi kuzarura kambani pabhangi kana kubhadhara chikwereti. Mitero yaburuka, asi iwe unofanirwa kutsvakurudza zvikwereti uye funga nezvekuti ungashandisa sei kadhi usati wasvhura account. Iwe unogona kunge uchibhadhara nguva dzose paunoshandisa kadhi, chengetedza ibhadharo yako, wedzera mari, kana kuti utaure nemushandi webasa. Mamwe makadhi anotengesa mari yekugadzirisa kwemwedzi pamwe chete. Kuti uwane mamwe ruzivo, verenga pamusoro peKadhipa yePepaid ine Chea Mafiro .
Kuvaka chikwereti: Makadhi akabhadharwa haabatsiri iwe kuvaka kadhi . Vanokubvumira kuti upedze sekunge iwe une kadhi rechikwereti, asi basa rako haritauri kune masangano ekubika zvikwereti. Kana uchida kuvakira chikwereti, funga kuti kana kwete kadhi rechikwereti (kunyange kana iwe uchizobhadhara mari yegore negore) ingashanda chero nani kupfuura kadhi rakabhadharwa.
Uri kuponesa kupi? Makadhi akabhadharwa akaita kuti zvive nyore kushandisa mari, asi zvakaoma kuchengetedza mari (zvishoma zvishoma kuwana mari) kunze kwekuti une bhangi yebhangi. Kana uchibhadhara mari shomanana mumari yebhangi zvinoreva iwe uchaunganidza kuchengetedza kwegore rose-kunyange kana kungova kungwara kwekuzvidzivirira iwe pachako kuti uchengetedze - zvichida zvakakodzera mari.
Slippery slope kuchikwereti: makadhi okubhadhara mari anofanirwa kushandisa mari yako - kwete chikwereti . Mhedziso ndeyekuti iwe unorega kuishandisa kana iwe uri kunze kwemari. Asi mamwe makadhi anokukurudzira kuti upedze zvakawanda pane zvaunazvo nekubvumira kudarika (nemari yemari). Kana iwe usingakwanisi kutakura kadhi iwe pachako - kana iwe uchiwana sepamberi pamutero wako wekubhadhara, somuenzaniso - uri kukwereta mari uye uchibhadhara kuita saizvozvo.