Maererano neAmerican Bankers Association (ABA), vazhinji vevatengi veAmerica havabhadhara chero mari yebhangi ravo. Iwe uri chikamu cheboka iro here?
Mabhangi achiri kuwana mari yakawanda , uye mari ndiyo inokosha inowanikwa mari. Izvozvo zvinoreva kuti vanhu vanobhadhara mari vanozvipira kune mumwe munhu wese-dzimwe nguva vachibhadhara mazana emadhora kana kupfuura gore negore. Kana uri kubhadhara mari kubhengi yako, tsvaga zvavari, zvavari kukubhadhara iwe, uye kuti iwe unogona sei kupedza kuguma kune iyo mari.
01 Mari yekugadzirisa
Mari yekuchengetedza iri nyore nyore kudzivisa. Iwe unogona:
- Shandisa bhangi risingabhadhari mari yekuchengetedza, kana
- Mvumo yekubhadhara mari kuitira kuti mari yacho isabhadharwa
Bhengi rekusununguka ichiri chechokwadi. Mushure mematambudziko emari, mabhanga makuru akaita hurukuro huru nekucheka kusununguka kuongorora mabhuku (nekuwedzera mari yekuchengetedza). Zvisinei, mabhengi akawanda anoramba achipa pachena kutarisa. Mabhanki epaIndaneti inokurumidza uye nyore nyore kubhengi kusina mari, sezvo vasina kazhinji vane zvido zvishoma kana pamwedzi mari . Kana iwe uchida kubatsirwa kwebhangi-uye-mari (mabhanga ebhangi achiri kushandiswa ), tsvaga masangano mashoma emunharaunda semabhengi ekumadunhu. Zvikwereti zvekwereti, izvo zvinowanikwa nevashambadziri vavo, zvakare ndezvakanakisisa zvekutarisa kusununguka.
Mafisi ekubhadhara zvikwereti zvakananga: kana ukasangana nedzimwe nzira, bhangi haichabhadhara mari yekuchengetedza. Nzira dzinowirirana dzinokubvumira kuvhara mari dzinosanganisira:
- Kugadzirisa zvakanakira kubhadhara mubhadharo yako yebhangi (dzimwe nguva zvishoma zvidhinari $ 500 pamwedzi inodiwa)
- Kuchengeta kero yako yepamusoro pane imwe nzvimbo ($ 1 000, somuenzaniso)
- Kunyoresa zvinyorwa zvisina musoro
- Kushandisa mabasa akasiyana-siyana kubva kubhangi rimwechete (kutora chikwereti kubva kubhangi rimwe chete paunoramba uchiongorora chekuita, somuenzaniso)
02 Overdraft uye Insufficient Funds
Mari yepamusoro yefredraft inowanzokomberedza $ 35 kuburikidza nekutengesa kusakundikana. Somuenzaniso, kana nhoroondo yako ine $ 1, asi iwe unoshandisa $ 4 nedhidhi yako yebhadhiro (uye iwe wakanyorera purogiramu yako yebhengi yekudzivirira overdraft ), iwe uchabhadhara $ 35 kuti ubhadhe $ 3. Bvisa mari kubva kuATM shure kweizvozvo, uye iwe unogona kusangana nemumwe mutengo we $ 35.
Nenzira yakanaka, mari yokubhadhara mari inoshandiswa. Mabhangi akashandiswa kukunyora iwe nokuda kwekuchengetedzwa kwerefreeft, asi iko zvino unoda kusarudza-mukati yebasa racho. Muzviitiko zvakawanda, iwe unogona kungoita kuti kadhi rako rurambe (iwe unogona kunge uchibhadhara nemari kana imwe kadhi, kuzviponesa iwe $ 35). Kana iwe uchida kuchengetedzwa kwe-overdraft, zvakakosha kuti uongorore zvingasarudzwa. Mamwe mabhengi achaendesa mari kubva kubhuku rako rekuchengetera kuongororo yako yekuona $ 10 kana zvakadaro, uye vamwe vanopa mhirizhonga yezvikwereti zvekwereti (iyo inobhadhara chikwereti pamari yaunokwereta "panzvimbo yepamusoro yepamusoro-mubhadharo pamutengo).
Kusarudza kunze Hakuna Kukwana
Iwe unogona kufunga kuti uri muhuni kana iwe usina kumbosarudza-kupinda kuwedzerwa kwereddraft. Asi iwe uchiri kubhadhara mari yekubhadhara kana bhaari yako yekodhi ichikwira kusvika kune zero uye zvikwereti zvakakunda akhawunti yako. Semuenzaniso, iwe unogona kunge wakagadzirisa zvinotengeswa zvekutengesa kana inshuwalisi kubva pane yako chekuongorora (saka biller yako inotora mari mumwedzi wega wega). Mari iyo inoshandiswa zvakasiyana-siyana -kusarudza kubva kunekuvhara kweredraft kunokudzivirira kubva pakupfuura kwepamusoro nebhadhiro yako yemari .
Kana zvikwereti zvichitora akaunti yako iri pasi pe zero, bhangi rako richabhadhara mari yekuda mari yakakwana . Mari iyo inowanzokomberedza $ 35 kuburikidza nekutengesa kusakundikana.
Zvaunogona kuita
Iwe unogona sei kudzivisa mari yepamusoro yeftrft uye NSF? Mhinduro iri nyore ndeye kuchengetedza mari yakakwana munhoroondo yako. Asi zvakaoma kuibvisa iyo iyo mari yakaoma uye magetsi anotengesa mari kunze iwe usina kuziva nezvazvo.
Chengetedza ruzivo rwehuwandu hwaunazvo muakaunti yako, uye kunyange uwandu huchava nawo mune account yako vhiki inotevera. Kana iwe uchienzanisa nhoroondo yako nguva dzose, iwe uchaziva kuti kutengesa chii kwatopfuura uye izvo zvaunenge wakamirira. Bhengi yako inogona kuratidza kuti une imwe mari yakawanikwa - asi iwe uchaziva kuti haisi yose yemitemo yako yakakunda kero yako ikozvino. Kuti uwane mamwe mashoko, kusanganisira mafomu uye mapepa epasheetti, ona Maitiro Ekuenzanisa Account yako .
Zvinobatsirawo kuisa maziso. Ita bhaji rako rekubhadhara iwe apo mabhizinesi ako akamira pasi . Iwe uchaziva kuti iwe unofanirwa kuchinja kana kubvisa zvipo, kana kutamisa mari kubva pane gwaro rekuchengeta.
Sekuchengeteka kwemambure, iwe ungadawo kuisa mhirizhonga yekwereti yechikwereti. Tariro, hauzoiti tsika yekuishandisa , asi iyo inodhura nzira yekubata nayo dzimwe nguva kukanganisa.
03 ATM Mari
Kana ukashandisa ATM nguva nenguva, unoda nzira yekudzivisa iyo mari. Nzira yakanakisisa ndeyokushandisa ma ATM anowanikwa kana kuti anobatanidzwa nebhangi rako . Iwe haungabhadhari mari yeATM "yekunze" yebhanki, uye iwe hauzobhadhari mari yezveATM. Shandisa purogiramu yako yebhengi kuti uwane maATM asina mahwanda.
Kana ukashandisa chikwereti chebato-kunyange chikwereti chechikwereti - iwe unogona kuva nekuwedzerwa kwema ATM asingasviki pane iwe unofunga. Zvizhinji zvezvikwereti zvemakabatanidzwa zvinobatanidzwa muchikwata chakagovana Izvi zvinokubvumira kushandisa masangano ebazi (uye ATM) pamakambani emakero akasiyana-siyana - kwete kungova yako chikwere chebato. Tsvaga kana chikwereti chako chinobatanidzwa, uye uone kuti ma ATM anonyanya kukosha ndeapi.
04 Nyaya Inoramba Ichienderera mberi
Wire kutumira: firiji kuwedzerwa kwakakura pakutumira mari nokukurumidza , asi haisi shoma. Kana iwe usinganyatsodi kutumira tambo, tsvaga nzira shoma yekutumira mari zvemagetsi .
Avhareji yekuvhara mari: mabhenji anokutengesa paunopfigira kambani nguva pfupi mushure mekuvhura. Kana iwe wakashandura pfungwa yako pamusoro pebhangi, tarisira kwemwedzi mitatu kusvika kumatanhatu usati wapedza akaunti yako kuti urege mari.
Kuwedzerwa kuwedzerwa: dzimwe nhoroondo dzinogadzirisa nhamba yekutengeserana (zvikurukuru inodzingwa kubva mubhuku) yakabvumirwa pamwedzi. Mariko yemari yemari, iyo inopa zvimwe zvezvikwereti zvekuongorora nekuchengetedza kwekodhi , inogona kukugadzirisa kusvika katatu pamwedzi pamwedzi. Nhoroondo dzekuchengetedza, zvichienderana neDheuteronomio D, dzinogadzirisa mamwe marudzi ekudzorera kusvika matanhatu pamwedzi . Kana uchizoshandisa mari kubva kune iyo maakaiti, ronga mberi uye uendese mari iyo kuongororwa kwekombikiti mumakungu makuru.
Kurangwa kwokutanga kuregererwa: zvikwangwani zvekuisa (CDs) zvinowanzobhadhara mari yepamusoro yakawanda kupfuura mari yekuchengetedza. The tradeoff? Iwe unofanirwa kuzvipira kusiya mari yako munhoroondo kwenguva yakareba. Kana iwe ukabuda mangwanani, iwe uchabhadhara chirango . Kuti uchengetedze mari iyoyo, ita gwaro reCD kuitira kuti iwe nguva dzose uwane mari inouya isingashandisi kana kushandisa CD yakachena inobvumira kutanga kutora .