1. FDC Inishuwarenzi Inokosha
Usati watarisa bhangi, tarisa kuti FDIC-yakachengetwa.
Izvi zvichadzivirira mari yako kusvika ku $ 250,000. Kana bhangi richienda pasi, hurumende ichaita kuti iwe uwane mari yako zvakare. Mukoroti wako haagoni kutaura zvakafanana.
2. Dzivisa Mari, Mhosva, Mari
Kunyange zvazvo kutarisa mabhadharo kunopa kudzivirirwa zviri nani pane teti yako, iwe uchiri kungozvichengetedza pamari yemari.
Mabhengi nemakambani emakwereti zvakafanana zvinowanzoshanda mumatare emitengo yakawanda yevatengi: mari yebhadharo yepamusoro, mari yepamusoro yekuchengetedza, mwedzi yemari yekuchengetedza, mari yeATM, zvigadziro zvekuvhara dhomwe, zvido zvakaderedzwa zvekubhadhara mari.
Nenzira yakanaka, dzimwe nhoroondo dzakanaka pane dzimwe.
Bhizinesi reAmerica zvikwereti Core Checking Account Account vanodarika $ 35 nokuda kwechimwe chezvikwereti zvinokonzerwa nekodzero yepamusoro yezvikwereti zvina pazuva ($ 140). Inyoresa kuchengetedzwa kwerejireji uye BofA icharamba ichikubhadhara $ 10 kuendesa mari kubva kune mari yekuchengetedza.
- AllyBank inokwereta $ 9 nokuda kwechiitiko chepamusoro pekubhadhara mari nekamwe kamwe kamwe pazuva. Overdraft kudzivirirwa is 100% free.
- Chengetesa mabhengi $ 2 apo vatengi varo vanoshandisa kwete Chase Bank ATM. Ndicho chepamusoro pemari iyo inogona kugadziriswa neATM.
- Bhizinesi reInternet USA, Charles Schwab, Ally uye Fidelity havatengi mari yeATM uye vanobhadhara mari inopomerwa nemamwe mabhengi.
Saka ita kwako zvakakodzera kusati wambomira muukama nebhangi.
Iwe nemari yako unofanirwa kurapwa zvakanaka.
3. Verenga Nyaya Yakanaka
Ndiani anoverenga kudhinda kwakanaka zvakare? Iko kungofanana nemashoko akawanda pane peji iwe unopfurikidza musati wanyora "Ndinobvumirana" uye ndichifambira mberi ndisingafungi.
Asi kana zvasvika pakusayina zvinyorwa zvine chokuita nemari yako, unofanira kutora nguva yekuongorora zvakadhindwa zvakanaka. Zvichida rongororai mazita emabhenji ako anogona kukubhadhara mari uye kuti unozvidzivirira sei.
4. Chenjerera maBhonasi Zvipo uye Chido Chekuita Zvitengo
Ukama hwebhangi hwakaita sehukama hwepabonde. Bhengi inokufadza iwe nezvipo uye zvipikirwa zveukama husingaperi. Mushure megore kana zvipo zvipo zvinopera uye mapoka maviri aya anorega kubvumirana.
Nzira yakanakisisa yebhangi ingatove yekugara muchikamu chechikwereti, asi vanhu vazhinji havadi kutarisana nekuzarura nhoroondo itsva gore negore kana maviri.
Kana iwe uchatora ukama hwebhengi hwemabhengi, tsvaga iyo inotsigira mari yeATM, inopa rusununguko rusununguko rwemhirizhonga uye haibhadhara mari yemwedzi. Usangoenda chete nemoto unobhadhara, nokuti izvi zvinongokugadzirisa kuti uwane mwoyo.
Nyevero imwechete inoenda kune yepamusoro-nhamba yemari yekuongorora maakaunti. Kero yako yekuongorora haisi iwe unofanirwa kubhadhara mari.
Kana iwe ukava webasa rekubiridzira kadhi , zviri nyore chaizvo kuti mumwe munhu abvise akaunti yako. Kunyanya, kutarisa mabhesi hakuwanzogadziriswa nhamba yemari inoshandiswa neakaunti dzekuchengetedza. Usapedza nguva yako uchiedza kudonha mukati mehuni uye kuwana chido pane chekuongorora kero yako. Ingochengetedza huwandu hwemari yako mune 1.00% kana yepamusoro pekuchengetwa kwekodha.
5. Funga Nekutsvaga Dhodzi Dzokushandisa
Mazhinji emabhangi nemakambani ezvikwereti zvino anopa kukwanisa kushandisa mafoni . Iwe unogona kuchengetedza nguva (uye gesi mari) uchishandisa smartphone kuti uwane chinyorwa chekutarisa kwako uye woisa muakaunti yako yekuongorora.
Kunyange kana uchifarira kuenda kubhangi rako nekukurukurirana nevatauri, zvinonzwisisika kutarisa kero yekutarisa nefoni inosarudzwa.
Indaneti-mabhengi chete anopa kukwikwidzana kunowanikwa pamusika wekutarisa zvikwereti kuburikidza nekubvisa mari yakawanda yemadhorobha ezvitini-uye-mortar mabheji anotengesa.
Zvisinei, vanhu vanobata zvakanyanya mumari vachange vachiri kuda bhandi rekunze pedyo kuti vaite mari. Capital One 360 inopa mari yekuisa mari pakusarudza Capital One ATM, asi ruzhinji rweIndaneti-mabhengi chete haagamuchiri mari inoshandiswa.
6. Kunyeverwa Nekushandisa Kadhi Yekutengesa
Mune maonero, makadhi ekubhadhara akaisvonaka. Vanobatanidza zvakananga kubheji rekutarisa kuitira kuti iwe nokukurumidza uone kuti mari yakasara sei mu akaunti yako. Muzvokwadi, makadhi emadhora ndiyo nzira yakakwana yekuwira mukubatwa nekunyengera uye kurasikirwa mazana kuzviuru zvemadhora.
Iwe unorasikirwa nemari chaiyo apo mbavha inowana ruzivo rwemari yako yebhadhiro. Inonyatsobudiswa kubva kuongororo yako yekutarisa, kusiyana nemhosva dzekunyengera pamakadhi ako ekwereti.
Mbavha haifaniri kutoda kadhi yako yemuviri kuita izvi. Skimmers nemakamera zvinogona kuiswa paATM, mapaipi emagetsi, mabhizimisi, uye mahoitorendi kuti vawane ruzivo rwenyu uye PIN .
Pasi pemutemo weSweden, unogona kutongerwa zvimwe zvekurasikirwa zvichienderana nekuti iwe unopihwa mhosva. Musati mvumo dzisina kubvumirwa dzichiitwa (zvichida nyaya yacho chete kana chikwama chako chabiwa), hauna mhosva. Dzokorora mukati mazuva maviri ebhizimisi nezvemhosva dzenhema uye iwe unogona kuva pachikwereti chepasina $ 50. Kupfuura mazuva maviri ebhizinesi, asi pasi pemakumi matanhatu-kwemazuva ekurenda mushure mekubhengi bhangi uye iwe unogona kurasikirwa ne $ 500. Mazuva anopfuura makumi matanhatu erenda uye iwe haungatori mari zvakare.
Kazhinji, bhangi kana chikwereti chekambani ichakupa chikwereti chekuvhara mari yakarasika apo inotanga kuongorora mukati mako kubhadhara kadhi yako yekubiridzira. Zvinokwanisika iwe uchawanikwa uine mhosva uye unokwereta mari yacho kubhangi. Saka unzwisise mutemo webhanji rekubhadharira kadhi usati wasvhura kambani yekuongorora.
Nzira iri nyore yekudzivirira debit kadi kukanganisa ndeye kushandisa kadhi rechikwereti pane zvose zvinotengeswa kunze kwekubvisa mari. Uye kana iwe ukabvisa mari, shandisa bhizimusi reATM mubazi rebhandi rebazi - kunyange iwe uchizobhadhara mari - uye chivhara ruoko rwako kana iwe ukanyora nhamba yepini. Zvikwereti zvakanyanya kudarika mabhizimisi eATM uye chekuchengetedzwa kwekhamera mifananidzo zvinogona kukubatsira kuti uzviratidze kuti hauna kupa kadhi yako kune mumwe munhu kuti abvise mari ndokubva atora unyengeri.
Makambani ekadhi rechikwereti anopa kukurudzirwa kunonyanya kukudzivirira uye kukurumidza kuona. Iwe unofanirwa kuva nechokwadi chekuti une zero mhaka yekunyengera pane yako kadhi rechikwereti.
Usaisa Jump In Pasina Kuongorora
Kunyangwe iwe uchida kupa bhizinesi rako kune guru-zita rebhangi, bhenji yemunharaunda, chikwereti chekweretheni kana bhizinesi-bhengi chete - ita tsvakurudzo yako kutanga. Maawa mashomanana (kana kunyange mumwe) akashandisa kuongorora anogona kukuponesa mazana emadhora pasi pomugwagwa.