Bhengi yako kana Chikwereti
Bheji yako yakanakisisa nokuda kwekutarisa chekuongorora kushandiswa ibhangi chero ripi kana bhidhiyo yemari apo iwe une account.
Kumasangano akawanda, vatengesi vekambani havana kukweretwa nekuda kwebasa iri, uye iwe unogona nguva dzose kungoisa mari yacho uye kubvisa mari gare gare.
- Muyero wakakwana? Zvichienderana nebhengi rako re " mari yekuwanika " mutemo uye rudzi rwe cheki uri kuisa mari, iwe haungakwanise kuwana rusununguko rwakakwana rwekoko-asi kuwana $ 200 kana zvakadaro haufaniri kuva dambudziko.
- Kwete yebhangi yebhangi? Kana usina mari yebhangi, zvichida inofanira kuzarura imwe. Kurarama pasina kambani yebhangi kunogona kuitika, asi zvinotora simba uye simba rekuwedzera kuti urarame nenzira iyo-zvichida zvinongonzwisisika kana iwe usingakwanisi kuzarura account pane chimwe chikonzero. Kana iwe uine cheki mu-ruoko (uye kunyanya kana iwe unotarisira kugamuchira dzimwe tsvakiridzo mune ramangwana) unogona kushandisa nguva iyoyo cheki kuti uzarure konti yako yekutanga. Kuvhura nhoroondo ingangokuchengetedza nguva yakawanda nesimba .
- Zvikwereti zvikwereti zvinopa nzvimbo dzakawanda: kana iwe uri nhengo yechikwata chekweretheni, unogona kuva nezvimwe zvingasarudzwa kupfuura iwe unofunga nezvekubhadhara mari. Kune zviuru zvemakambani akagoverwa munzvimbo dzese munyika, iyo inokubvumira kuti ushanyire dzimwe zvikwereti zvezvikwereti (kuti iwe hausi nhengo ye) kuti uwane cheki.
Banker Checkwriter
Imwe nzira ndeyekutengesa cheki kuburikidza nekutora iyo kubhangi iyo mari inoswededzwa. Mune mamwe mazwi, enda kubhangi apo munhu akanyora cheki ndiye mubati wenhoroondo.
Semuenzaniso, kana chekotora ichibva kubhuku paBan of America, unogona kupinda muBhange reAmerica branch uye kukumbira mari.
Kuti uwane bhengi ripi rakabudisa cheki, tsvaga zita rebhangi kana chikwereti chekwereti pane chiso chako chekuongorora.
Nguva bedzi iwe uchange uine nguva yakaoma kuwana zita rebhangi ndeyekuti uri kutarisana nechekurumende-yakabudiswa. Kunyangwe iwe usingakwanisi kufamba muUnited States yeHurumende kuti uwane mari, unofanirwa kuwana cheki idzodzo zviri nyore kuti uwane mari kumabhangi nekutengeserana kwekutengesa nokuti vanoonekwa sekuchengetedzwa kwakachengeteka.
Cherechedza kuti haisi nguva dzose yakasununguka kuongororwa mari - kunyange kana iwe ukashanyira kubhengi iyo mari ichauya. Mabhengi akawanda anotenga mari kune vasiri vatengi, saka iva nechokwadi chekubvunza nezvemaripo usati waenderera mberi.
Kana iwe usingakwanisi kushanyira bazi rebhangi rako rekuongorora, unogona kuedza mamwe mabhengi (mabhangi apo iwe kana muchengeti wekuongorora hauna kambani). Zvisinei, iwe uchange uine mukana wekuwana chero munhu anoda kutengesa cheki, uye iwe uchava nhanho yakawanda kuti uite iyo pasina. Iwe unogona kugara uchibvunza kana.
Zvitoro Zvokutengesa
Zvimwe zvipfeko zvichaita mari yekuchechechedza pasina, zvichifunga kuti unofunga kushandisa imwe yehupfu iyo iwe uripo. Kubva pamaonero avo, kuongorora cheko hakusi pfungwa yakaipa munyika - kana iwe uine mari mumaoko ako, iwe unowanzoda kushandisa. Zvisinei, havasi mune bhizinesi rekutora njodzi pane zvakaipa checks, saka usatarisira kuti iite basa nguva dzose.
Maitiro ako akaisvonaka kana iwe uri mutengi nguva dzose uye vashandi vanoziva newe. Ronga kuratidza cheki kana kuisa paareka kuti uwane mari.
Dzimwe zvivako zvenyika zvinopa pachena cheko chekuita mari. Kmart inochengetedza mari yekutengesa pasina kana iwe uri nhengo yeBhora Your Way program. Walmart yakave ichizivikanwa nemari cheko chekusununguka - kunyanya kuongororwa nehurumende (zvakadai sekutsvaga kwekutsvaga uye kubhadhara mutero) - uye Walmart inowanzochera cheki muHoney Centers kwema $ matatu. Zvinogona kunge zvisina kusununguka, asi zvakaswedera pedyo. Zvokudya zvekudya ndeimwe nzira isingabhadhari (inowanzokomberedza imwe dollar kana zvakadaro), uye vangangotora mari shomanana chekuongorora. Kumbira pamusoro pekuchechedza kutengesa pamubhadharo webasa.
Makadhi akabhadharwa
Kana iwe usingadi mari yacho pakarepo, iwe unogona kuisa cheki yako kubhadhiro yakabhadharwa (iyo inogona kunge yakabatana nebhadhiro rebhadhiro rakabhadharwa).
Iwe uchakwanisa kupedza mari iyoyo pakarepo kana cheki yacho ichatsvaira, uye iwe unogona kunge uine imwe mari inowanikwa pakarepo, zvichienderana nemari yekuwana mari. Iwe unogona kupedzisira uisa mari iyo mumari nekuita kubvisa paATM.
Kuti uite mari yacho, iwe uchishandisa purogiramu uye shandisa chinyorwa checheki nefoni yako . Ichi ndicho chakanaka chakanaka kana iwe usingakwanisi kuzarura kambani yebhangi. Makadhi akabhadharwa anogona kuita sechinotsiva zvikwereti zvakazara-chengetedza (kunyange zvazvo nhoroondo yakare-yekare ingangodaro): iwe unosvika pakuisa cheki, kuchengeta mari yakachengeteka, uye kupedza nepurasitiki.
Tarisa Cashing Stores
Sezvaunotyaira mumigwagwa yakabatikana, iwe ungangosangana nekutengesa mabhizinesi (izvo zvinowanzogovana nzvimbo nebhadharo yemari yebhadharo). Nzvimbo idzi zvirokwazvo mari inoongorora - asi haingasunungurwi. Chengetedza mari yaunofunga iwe usati watenga chekiti pane cheko chekuchengetedza doro. Pane mukana wakanaka wekuti unogona kuita zviri nani pane imwe nzvimbo.
Aina dze Checks
Mhando ye cheketi yaunayo inokosha. Kuongorora-hurumende yakabhadharwa yakanakisisa nekuti inonzi yakachengeteka Izvo zvinosanganisira kubhadharwa kwemitero, Social Security benefits, uye zvimwe zvitsva zvinowanikwa paUnited States Treasury. Kuongorora hurumende kunowanzonzi kwakachengeteka. Kuongororwa kwevanhu (nemashoko anonyorwa nemaoko zvakasiyana nekombiyuta-yakadhindwa) inonzi inonzi riskiest rudzi rwekutengesa kune mari. Iwe unogona kukwanisa kutenga mari idzi kana zvishoma, asi iwe uchabhadhara zvakawanda.