Pakutanga kuona, mari inogona kukuita kuti uwane makadhi ekubhadharisa mumadhenari nemakwikwi ekukweretesa. Mari yakawanda yaunowana mune imwe kadhi yebhadharo ndeyebhadharo yePOS - inowirirwa paunoshandisa kadi yako yebhengi kune mutengesi uchishandisa PIN nhamba . Kunyange zvazvo mafungu ari kuchinja kubva kumabhangi achibhadhara mari iyi , iwe ungangosangana navo. Makadhi ekubhadharwa kubhadharwa kune imwe nhau zvachose, uye inozivikanwa nekubhadhara mari yakakwirira (kunyange zvazvo mari iyo iri kuwirawo).
Mhosva Njodzi:
Kudzivirira kwevatengi kunowanzosiyana kana kuri kuuya kubhadhara pamakadhi emakadhi. Vagadziri vemitemo vanoisa makadhi emadhora uye makadhi emakwereti mumapoka akasiyana. Kuti kuderedze mari yekutengesa zvinokonzerwa nekwereti, vakawanda vanobudisa zvipo vanopa kukupa imwe nzira yekudzivirirwa - asi kune kusiyana. Dambudziko guru nderokuti iwe unotanga kuongorora kero yako kunyika (ona pasi apa). Kuti uwane mamwe maonero ekuti mitemo yakasiyana sei, ona Debit vs Credit Liability (kana iwe uri kadhi isipo, ona Lost Debit Card? Act Fast! ).
Kadhi Kuvhara:
Paunoshandisa purasitiki kune vamwe vatengesi (magasi egorosi kunyanya), vanovhara 'kadi yako. Izvi zvinoreva kuti vanobvumira uye vanochengetedza mari munhoroondo yako - kazhinji $ 50 kusvika $ 100. Havazivi chaizvo kuti muchazotenga zvakadini, asi vanoda kuve nechokwadi kuti munokwanisa kuzvipa. Kana iwe ukangotenga madhora makumi maviri emadhora, haazobvumi mari yakasara pakarepo - inogona kutora mazuva akawanda. Munguva iyoyo, haukwanisi kushandisa mari yakavharidzirwa uye iwe unogona kuvhara cheki kana kuisa mhirizhonga .
Hapana musiyano mune kuti vatengesi vanovhara sei debit pamakadhi ekwereti .
Kuvhura Account Yenyu kuNyika:
Kero yako yekuongorora inoshandisa mvura yemari yauri kuronga kushandisa munguva pfupi. Nokushandisa debit vs chikwereti, iwe unofumura kuti mari kune nyika. Chero chero mutengesi anogona kukanganisa uye akakwevera mari yakawandisa - uye iwe unenge uchinge usisina hanya (zvichida kwekanguva).
Uyezve, unogona kushandisa PIN yako yose kudhorobha. Kana iyo nhamba (nemaune kana kuti pangozi) inopinda mumaoko asina kukodzera scammer inogona kuumba kadhi rakakanganisa, shandisa PIN yako paATM, uye famba nemari yako. Zvakare, unogona kuwana mari yako shure kwekunge iwe uchiratidza kuti kwaiva uroyi - asi iwe unofanirwa kutamba nemamwe hoops.
Overdrafts uye Rubber Checks:
Kushandisa kadhi yako yebhadharo paunenge uchitenderera necheguta uchishandisa zvigaro zvingaita bounced checks uye overdraft mari . Kunyange ine sandwich ye $ 4 inogona kugadzira $ 40 chekubhadhara mari . Wadii kungoshandisa chikwereti? Kunyangwe mari ye $ 60 yemari yepakati pekadhi yako yekwereti mutengo muduku wokubhadhara pakuziva kuti hauzogoni kutarisa uye kutanga kutenderera kushandiswa kwemari yebhadhiro .
Hazvibvumirwi Kwese Kwaunoda Kuva:
9 pfumbamwe pane gumi, hapana anozoziva kana uri kushandisa kadhi yebhadharo kana kadhi rechikwereti. Zvisinei, mamwe makambani haazovabata nenzira imwecheteyo. Makambani emotokari ekurenda akave achizivikanwa kuti anoda chikwereti chaicho chekwereti uye anoramba makadhi emadhora. Nharo yavo ndeyokuti kadhi rechikwereti rinoreva huwandu huri hwekwereti uye mutoro.
Kupa Mari Yakasununguka:
Chimwe chikonzero chekushandisa debit vs chikwereti ndechokuti uri kushandisa mari iwe chaizvoizvo uye unodzivisa kukwereta mari yekambani yemakadhi.
Kana iwe zvechokwadi uine mari yakakwana yekutenga kwako, wadii kushandisa kadhi rechikwereti uye uwane chikwereti chemazuva makumi matatu chekubhadhara pasina chikwereti? Kana iwe usina kutora chikwereti pane kadhi rako rechikwereti - uye iwe haungazove nechiyero kana ukashandisa pfungwa pamusoro apa - saka iwe unogona kazhinji kubhadhara zvose zvaunotenga pamwedzi usingabhadhari chikwereti. Chengetedza mari yako mubhuku rekuchengetedza , pfuma yakawanda, uye ubhadhara kamwe pamwedzi.