Nokuti vanhu vanhu, uye mari yavo inoratidza izvozvo. Vanhu pane dzimwe nguva vanodarika. Vanhu dzimwe nguva havazivi kuti iyo $ 287 mari yemari yakabva kupi, chaizvoizvo.
Dzimwe nguva vanoziva chaizvo iyo $ 287 yemari yemari yakabva, asi iwe unofunga iwe usingazivi-kunyange kana kusaziva zvinoreva kuti mvumo yavo yezvikwereti iri panjodzi.
Asset Verification
Kuvandudzwa kweAsset, kune avo vasina kutakurwa nezvinhu, inoparadza. Kana uine ruvara rwakakwana, pamwe chete nemamwe mashoma mazana ezviuru zvasara mushure mekubhadhara kwako pasi, iwe haugoni kuwana imwechete yekutsvaga sevamwe vatengi. Mutengi wokutanga, asina mari yakakwana yekufamba rwendo rurefu kuenda kuKEA mushure mekunge vavhara, vanogona kutarisira kubvunzurudzwa kwepamutemo kupfuura ramangwana ravo-zvakabudirira-zvinyorwa zvinogona kutarisira. Saka usapomera mukuru wako wechikwereti, uyo ari kungotevera mitemo. Nzira iri nyore, ine huwandu hwemarwadzo, ndeyekuteerera. Heino nzira yaunofanira kuita nayo.
Kunyora Kunorevei Funga Nhaka?
Asset chero ipi zvayo yemari yaunowana kwauri, iyo inogona kubva kune ipi zvayo inotevera:
- Savings accounts
- CDs
- Mari yekodha mari
- Retirement accounts
- Brokerage accounts (mashizha uye zvisungo)
Zvinetso NeCash
Zvinhu zvawakanyora pamubhadharo wako wekukweretesa zvinofanira kuiswa pachena, uye iwe wekutora mari yako inofanirwa kuongorora zvakare kuti une mari yakakwana yekuvhara iwe pasi yekubhadhara uye mari yako yekuvhara.
Mabhangi anodiwa nemutemo kuti ave nechokwadi chokuti mari yose mubhangi rebhangi yakanyatsochekwa, zvinoreva kuti mari yakaipa. Vatengesi havagoni kushanda nemari isina kubhadhara kubva kune akwereta.
Mabhangi anodikanwa kuti ave nechokwadi chekero chero chipi zvacho kuburikidza nekuongororai mazwi maviri echangobva kuitika kune mamwe mabhuku akanyorwa pamusangano wechikwereti. Paunenge uchitarisa zvinyorwa, dhomwe yese-pasinei nokuti yakakura sei-inofanira kunge yakasimbiswa sokuti inobva kupi.
Mari inoshandiswa mune imwe nhoroondo isingagoni kuonekwa haigone kushandiswa. Dhipatimendi yemari inogona kunyanya kuisa rekodhi yose kuitira kuti pasave nemari iri munhoroondo iyo ingashandiswa pakutenga imba.
Kana iwe uchinge uine mari yekubhadhara mari yako, kuripa mari yako nemari, uye uise mari yakasara mubhangi, mira ikozvino. Dhorera cheko yako mubhadha rako uye utore chete mari yaunoda kuitira kuti urege kuva nemari inoshandiswa kupinda mubhangi yako yebhangi.
Nonsufficient Funds
Imwe chikwereti chekuongorora mabhizinesi ako ebhangi inogona kuramba chikwereti kana kune zvikwereti zvekusashandisa mari (NSF) kana kuti kudhura kwepamusoro pekubhadhara mari yeATM kana kuongorora iwe wakanyora panhoroondo. Bhengi haisi kukukweretesa mari kana uine misha yakawanda yeNFF kana kuti yebhadhadha yepamusoro paakaunti yako.
Kana uine imwe kana maviri iyo inogona kutsanangurwa mumutsamba, izvozvo zvingave zvakanaka.
Zvipo
Iwe unogona kuwana chipo kubva kune nhengo yemhuri, mushandirwi, kana shamwari yako yepedyo kuti ubatsire nebhadharo yekubhadhara kana yekuvhara. Asi izvi zvinogona kuitwa chete kana munhu achipa chipo ichi anokwanisa kuratidza kuti mari yakanga iri mubhangi rebhangi isati yapiwa chipo.
Mupiro unoda kupa bhishopu yebhangi inoratidza mari uye kwete huru. Kana paine hurukuro yakawanda munhoroondo iyo chipo chisati chapiwa, iyo mari yacho inofanira kushandiswa kana chipo chisingazobvumirwi.
Iwe haubvumirwi kugamuchira zvipo zvemari kuti ubatsire nebhasiro yekubhadhara kana yekuvhara kunze kwekuti ichinyatsosimbiswa uye kubva kune mvumo yakabvumirwa. Pamusoro pekutaura kwebhangi kubva kumunhu anopa mari kuti apiwe, iwe uchazopawo uchapupu hwechipo chakapiwa, sekopi yeshekeri, uye iwe unofanira kupa uchapupu hwechipo chacho chakaiswa muakaunti yako.
Chiratidzo icho chipo chave chaiswa ndicho chinyorwa chebhangi chinoratidza mari yacho.