Cheki chisingabhadhari, pane mari ipi?
Chii chiri chekuchechechedza checheche?
Zvokuongorora zvisingabatsiri zvinoongorora iwe unowanikwa mumeseji. Vanowanzouya kubva kambani yekadhi rechikwereti iwe une account yakange iripo, uye iyo yakabatanidzwa nekambani iyoyo.
Kana iwe uchiita mubhadharo kana kutenga pamwe chete neongororo, i (inenge yakaita) sekunge iwe une mari inotangira kubva pakadhi rako kuti utenge iyo kutenga. Muchidimbu, ivo ndeimwe nzira yekushandisa nayo mutsetse wechikwereti chiripo pane yako kadhi rechikwereti.
Icho cheki chinogona kushandiswa kune chero chinhu chipi nechipi: unogona kunyora cheki iwe pachako uye uchiripa mari , unogona kutamisa zviyero kubva kune imwe kadhi, kana iwe unogona kutenga zvinhu kana mabasa kubva kubhizimusi rinogamuchira cheki rako pachako.
Mune zvimwe zviitiko, nyore kutengesa kunouya nechipo chinonakidza. Semuenzaniso, iwe unogona kubhadhara 0% chikwereti pahutari kuendeswa kwemwedzi 6 - uye iyo inogona kunge iri pfungwa yakanaka kana iwe uchizobhadhara iripo yepamusoro-kufarira-muyero uripo kusati kwapera. Zvisinei, zvipo izvi zvinongowanikwa chete kana uine chikwereti chakanaka , uye iwe unoda kutarisa mari.
Zvinyorwa zveConvenience Checks
Kunakidzwa, sezvamungafungidzira, kunouya pamutengo.
Kunyange kana iwe ukawana mukana wekutsvaga kutengesa kupiwa, kutarisa kunongedza kunogona kuguma kunodhura kupfuura zvaunotarisira.
Mariro: nyore kutengesa inowanzobatwa se "mari inofambira mberi" (zvisinei nekutenga kunowanikwa apo iwe shandura kadhi rako murejista). Izvi zvinoreva kuti iwe unogona kunge uchibhadhara chikwata chapamusoro chekuda mari pamari yaunoshandisa nechekuchechechedza, izvo zvinowedzera chikwereti chekuda mari yauchabhadhara pamusoro pehupenyu hwechikwereti ichocho.
Uyezve, iwe unogona kubhadhara mari yekushambadzira , iyo inowedzera chikwereti chako (uye naizvozvo iwe unofarira mari).
Iko zviyero zvinoshandiswa sei: unogona kufunga kuti zvose zvaunoshandisa nekadhi rako rechikwereti zvakafanana. Ichokwadi, chikwereti chako chinoshandisa mari yako kuti ive yakasiyana "mabhaketheni." Somuenzaniso, mu-munhu kutenga nekadhi yako inowira mune rimwe boka, uye kupedza nekutarisa kuongorora kunowira mune imwe nzvimbo. Kuenzanisa hausi nguva dzose kutarirwa iwe. Mune zviitiko zvakawanda, hapana nguva yenyasha pamari yaunopedza nechekuchechechedza-saka kufarira kunotanga kuwedzera zvakare. Mutemo weBurumende unoda vatengi kuti vaise mari yekubhadhara pamusoro apa uye kudarika chikwereti chako chakanaka kune huwandu hwekubhadharwa kwemari, asi izvozvo hazvikuiti chero kunze kwekuti iwe uri kubhadhara mari yakawedzerwa.
Zvinhu zvose zvakanaka zvinosvika pakuguma: nyore kutengesa kunonyanya kukoshesa pavanokubvumira kuti ubwereke pa 0% APR . Asi chii chinoitika mushure mekunge "teaser" yako kana nguva yekutsvaga yapera? Mune zviitiko zvakawanda, iwe unotanga kubhadhara chikwereti pazvikwereti zvekadhi rechikwereti - izvo zvinogona kutungamirira kune zvikwereti zvakakwirira nekuwedzerwa chikwereti.
Kudzivirira kwevatengi: kana iwe shandura kadhi rako (kana kuisa mufoni yako nhamba) kuti utenge, unowana mamwe mazano.
Kadhi yako yakabhadhara inogona kupa imwe "mutengi kudzivirirwa," uye mutemo wezvematongerwo enyika unokuchengetedza iwewo (iwe unogona kudzosera mhosva mumamwe mamiriro ezvinhu). Izvo zvikomborero hazvirevi hazvo kana iwe uchibhadhara neko nyore chekuongorora; Kana iwe ukatenga zvigadzirwa zvisina kunaka uye haugoni kuwana mari, kambani yako yekadhi yemakadhi haifaniri kukubatsira kuti udzorere mari yako nyore nyore.
Chikwereti chako: nyore kutengesa kunoita kuti zvive nyore kushandisa mari yakawanda. Sezvaunowedzera kubhadhara kwako, chikwereti chako chikoro chinogona kutambura. Nenzira yakawanda, zvakanaka kuti uchengetedze mari yako iri pasi pe30% yechikwereti chako chechikwereti (somuenzaniso, kana kadhi yako ine muganhu we $ 1 000, iwe unoda kuchengeta yako "chikwereti chekushandisa" pasi pe $ 300). Kana iwe ukaswedera kune chikwereti chako chechikwereti, vateresi uye zvikwereti zvekubhadhara chikwereti vangafunga kuti uri kupinda mumatambudziko, uye havazodi kugamuchira zvikwereti zvitsva kwauri.
Kuwana mari: unogona kutenga cheko chekutengesa chero kupi zvako iwe unogona kutenga cheko chega. Zvisinei, iwe haungagoni kuwana zvakawanda sezvaunofunga. Nokuti anotanga, kadhi rechikwereti mari yekutangira mberi inowanzopera kudarika chikwereti chako chemari yekutenga - saka chengetedza zvido zvekwereti yako iripo. Uyezve, mabanho haangakwanisi kukupa mari yakazara yemari pakarepo ; iwe unogona kuwana $ 200 apo uchiedza kutenga mari yacho, asi mamwe acho achaiswa uye akachengetwa mazuva mazhinji.
Kunaka checks kunogona kukubatsira iwe kuchengetedza mari (uye kuripedza nyore nyore). Asi vanoda kungwarira kana iwe uchida kurega kunetseka: verenga kuverenga kwakanaka uye kudana wako mupaiti wekadhi kuti unzwisise chauri kunyatsopinda. Muzviitiko zvakawanda, chinhu chakanaka chekungopedza cheki idzi sezvavanopinda mairi: iwe uchadzivisa muedzo, uye iwe uchaita kuti zvive zvakaoma kuti dumpster-diving uzive mavhavha kuti uwane cheki chisiri pachena.