Kunyange zvazvo zvinyorwa zvebhangi zvingaita sezvisingakanganisi, izvo zvikonzero zvinokosha zvekuzadzisa zvinangwa zvako zvemari. Dzorerai mishumo iyi nguva dzose kuitira kuti iwe uwane zvakanyanya mari yako uye chengetedza mari yako.
Ndezvipi Zvikamu zveBhangi Zvaratidza
Zvinyorwa zvinoratidza zvinhu zvinokosha pamusoro pekambani yako pamusoro pemwedzi wapfuura.
Kutanga uye kupedzisa zviyero: Ona kuti wakanga uine zvizhinji sei munhoroondo yako pakutanga uye pakupera kwegore rimwe nerimwe. Kana chinangwa chako chiri kukura account yako, ichi chiratidzo chinokurumidza kuratidzira kufambira mberi kwako. Kana iwe uine zvakawanda kupfuura zvaunoda kuitira bhadha yako yemwedzi, iwe unogona kuonawo kuti yakawanda sei inowanikwa kuenda kune imwe nguva kwenguva refu yekuchengetedza uye mazvikwereti.
Kutengeserana: Chirevo chako chinoratidza kushandiswa kwega kwega mubhuku rako, zvichikubatsira kuti uone kuti mari inobva kupi uye inofamba kupi.
- Dhipatimendi: Ona zvose zviri kuwedzera kuakaunti yako, kusanganisira kubhadhara zvakanakira mubhadharo wako , chero cheki kana mari yawakachengetedza, uye zvimwe zvikwereti kuakaunti yako. Iyi ruzivo inogona kukubatsira kuti unzwisise kuti mari yako yakawanda yemwedzi inowanika sei pakushandisa mushure mekuteresa uye kubhadhara.
- Kubhadhara: Unofanirwa kuziva pamusoro pekushandurwa kwebhuku rako, saka funga kubvisa uye kushandisa mari zvakanaka. Mhando dzekuregererwa dzinosanganisira mari yaunopedza nebhadhidhi yako yebhadhiro, mari yekubhadhara mari uye ACH kubvisa , uye mari inobviswa paATM.
- Mitero: Mari inogona kudya pamari yako uye kuwedzera kune zvinodhura zvegore negore. Tsvaga kana uri kubhadhara mari yemwedzi pamwedzi, mari yepamusoro yebhadharo , kana zvimwe zvikwereti. Kana iwe uri, bvunza bhadha yako pamusoro pekubhadhara mari kana kuzarura chekuita chekushanda pasina .
- Kuwana mubereko: Kana iwe uchiwana chikwereti kubva kubhengi rekuchengetedza kana zvikwangwani zvekuisa (CDs) , uchaona iyo mibairo pane chirevo chako.
- Zvimwe kutengeserana: Chirevo chako chinoshandisa zvose muakaunti yako. Zviduku-zvinowanzoitika zvekutengeserana zvicharatidzawo, zvichikuzivisa nezvezviitiko zvinokosha munhoroondo yako. Semuenzaniso, unogona kuona maCD , kukudzoka , uye kuongorora kwakanyatsoenderera mberi uye kwakatorwa ku-akhawunti yako.
Nzira Yokushandisa Nayo Zvirevo Zvako
Bhengi yako ichaumba zvinyorwa mwedzi mumwe nomumwe kana kwegore roga roga uye uvatumire kune imwe kero yako yekutumira kunze kwekuti iwe ukasarudza kugamuchira zvinyorwa zvebhengi.
Sungai maakaunti yako: Zvakachenjera kuenzanisa kana kuyananisa mabhengi ako ebhengi mwedzi mumwe nomumwe. Kuti uite kudaro, dzokera zvekutengeserana kwemashoko ose ebhodhi yako yebhangi uye uenzanise nemabhuku ako ezviri kuitika munhoroondo yako. Izvi zvinobatsira kuchengetedza kuti iwe nebhangi rako unobvumirana pamusoro pehuwandu hwaunazvo mune account yako, yakawanda yakawedzerwa sei, uye zvakadini zvakabviswa. Pane imwe nguva, uchawana kusawirirana-izvo zvakanaka kana zvangova nguva dzenguva dzinozvijekesa. Dzimwe nguva uchaona zvinetso zvakakomba.
Ziva unyengeri uye zvikanganiso: Chirevo chako chinokuratidza rekodhi yematengesi ose muakaunti yako. Kana iwe ukaona chero chinhu chisingatarisirwi, tsvaga mutengesi kuti uone kana iri chikonzero chekubata kana kukanganisa kwebhangi. Muzviitiko zvakawanda, mutemo wezvematongerwo enyika unodzivirira kubva pakurasika.
Kana ukakurumidza kuzivisa bhangi rako, iwe unodzivirirwa zvikuru-asi unogona kunge uri kukonzera kurasikirwa mu-akhawunti yako kana iwe ukamirira mazuva anopfuura makumi matanhatu kuti upe dambudziko racho.
Kunzwisisa kupedza uye mari: Zvinotaurwa neBhangi hazvirevi nhema. Kana iwe uchida kuziva kuti mari yako inofamba, chinyorwa chako chekutengeserana chinoudza nyaya yakajeka inogona kukubatsira kuti utarise mari yako. Kana iwe uchida kuita shanduko kubhadharo yako, chirevo chako chinogona kukuratidza kuti chii chichaitika-uye mwedzi wakatevera iyo ichaita kuti iwe uzvidavirire.
Ziva kuti une zvakawanda sei: Kunze kwekuti iwe uone kero yako zuva rega rega kana kunyora mabhizinesi e-akhawunti , iwe ungasaziva kuti mari yakawanda yei mukutarisa nekuchengetedza. Mishumo yeMwedzi inopa mukana wekuti iwe uone mukati uye uone paunomira. Iwe haushoma kubhadhara mubhadharo uye kubhadhara mari yekutengesa pamusana pekushaya mari yakakwana apo iwe uchichengetedza mabheji ku-akhawunti yako.
Nyora nezvemari yako: Zvinyorwa zvinoshanda apo uchitsvaga zvikwereti, uye mune dzimwe mamiriro ezvinhu apo iwe unoda kunyora zvinhu zvako uye mari. Sezvo hurumende, periodic, mabhuku, vateresi vanowanzoda mabhuku maviri kana akawanda emabhengi kana iwe ukakumbira zvikwereti zvemusha nezvimwe zvikwereti zvikuru. Iwe unogona kudikanwa chirevo chekupedzisira chekudzidzira chikwereti chevadzidzi.
Ikombiyuta vs. Paper Statements
Nenzira, zvirevo zvebhangi zvakauya nemeyili, zvichiita kuti zvive zvakaoma kusazvidza. Iye zvino, mabhandi nemakambani emakwereti anokurudzira zvinyorwa zvemagetsi, uye iwe unogona kuvhara mari yekugadzirisa mwedzi pamwedzi nekubvumirana kuti uende papepa.
Zvinyorwa zvisingashandisi ndezvakanaka pane zvikonzero zvakawanda.
- Zvamunoita: Mashoko ako ega ega haatombo kuburikidza nemeyili mwedzi mumwe nomumwe, achipa mbavha mukana wekubata mabhii uye kuvashandisa pakuvhara mazita. Uyezve, hapana chikonzero chokuparadza kana kuchengetedza magwaro aya mushure mekunge mavaverenga.
- Kuchengetedza uye kutora: Paunosarudza zvinyorwa zvemagetsi, bhangi rako rinowanzochengetedza makore akawanda ezvinyorwa zvezvinyorwa zvepaIndaneti kwauri. Unogonawo kukodha uye kuchengetedza magwaro aya pachako kuti uwane nyore. Zvinyorwa zvemagetsi zviri pamunwe wako 24/7, uye havatore nzvimbo.
- Kusagadzikana: Kuenda pamapepa pachena kunoponesa pepa, asi kunoderedzawo huwandu hwefurairi nezvimwe zvinhu zvinodiwa kuti zvibudise zvinyorwa uye uzviendese kumba kwako kana kuhofisi.
Usatonga mapepa mapepa kana magwaro emagetsi asina kunaka kwauri. Dzimwe nguva zvinotora rugwaro rwenyama mumaoko ako kukuita kuti uite mabasa emwedzi pamwedzi. Kana iwe uchangobva kubvisa zviyeuchidzo zvemeyili pamusoro pezvitsva zvitsva uye usakanganwa maakaunti ako, iwe uri nani kunze kwekunamatira nemitemo yebhanga rebhengi. Iwe unogona nguva dzose kuenda paperi papera.