Mhando dzeApping Accounts

Kubva paZviNhepfenyuro Zvekare Kuponesa-Sezvimwe Zvimwe

Nhoroondo yekuchengetedza inzvimbo yakanaka yekuchengeta mari yausingafungi kupedza pakarepo. Nhoroondo idzi dzichengetedze mari yako yakachengeteka uye inobatikana paunenge uchibhadhara iwe uchifarira, asi kune marudzi akasiyana-siyana ekuchengetwa kwekodhi kusarudza kubva. Kusiyana kwega kwega (uye bhangi kana credit union) kune zvimwe zvakasiyana, naizvozvo zvakakosha kunzwisisa zvaunosarudza.

Nzvimbo dzinowanikwa pane dzose dzekutengesa mari yako dzinosanganisira:

1. Basic savings accounts
2. Nhoroondo dzekuchengetedza paIndaneti
3. Mari yekodha mari
4. Zvitatimiti zvekuisa (CDs)
5. Kuongorora kunofarira
6. Specialty accounts (kubhadhara kwevadzidzi uye nheyo dzinotarisirwa zvinangwa, somuenzaniso)

Tichachera kune tsanangudzo yezvinyorwa zviri pasi apa.

Kuwana kufarira: Yese yenyaya dzakatsanangurwa pajiji ino inobhadhara kufarira, izvo zvinokubatsira kukura mari yako-kunyange zvazvo kuwedzera kwekukura kungave kunonoka. Sezvaunofanidza zvingasarudzwa, ona nharaunda yekufarira, iyo inowanzotaurwa pamusoro pegore rega rega purogiramu (APY) kuti usarudze kuti ndeipi iyo inonyanya kukosha. Iwe haufaniri kunge uchisarudza kambani neyo yepamusoro yekutora chikwata - ingoita kuti uwane makwikwi. Kunyanya nemari mibare yekaunti, chikwata chekufarira hachisi chakakosha sezvimwe zvikamu zvebhuku zvakadai semari uye mari.

Kubhadhara mari? Mitero inokuvadza utano hwehwandu yekuchengetedza. Nekuderera kwechirwere chechibereko, chero zvikwereti zvinogona kubvisa mari yako yegore negore kana kuti kukonzera kukwana kwako kwebhuku kuderedza nguva.

Ongorora zvinyorwa zvebhadha yako zvakaringana usati waisa mari.

1. Zvikamu Zvokuchengetedza Zvikwereti

Mune chimiro chayo chakareruka, kero yekuchengetera ingongova nzvimbo yekuchengetedza mari. Iwe unoisa mu-akhawunti, uwane chikwereti, uye tora mari kunze kana uchida. Pane mimwe miganhu pamusoro pekuti iwe unogona sei kubvisa mari (kusvika pamitanhatu pamwedzi nekuda kwekuregererwa kwekuregererwa - asi kusingagumi mumunhu), uye iwe unogona kuwedzera ku account nguva dzose sezvaunoda.

• Zvimwe zvakawanda: Sei Uzarura Aunti Yokuchengetedza?

Hapana chakaipa nekushandisa imwe yea plain-vanilla accounts, asi kune mamwe marudzi ekuchengetera mabhuku ayo angave akakodzera kunaka kwako. Izvo dzimwe nhoroondo ndezvese zvakasiyana-siyana panyaya dzekuchengeta mari. Izvozvo zvakati, kana zvaunoda zviri nyore, iwe unogona kunge uchangobva kuzarura kambani yekuchengetedza pabhangi iwe watova kushanda nayo uye kuti uite nayo.

2. Nhoroondo dzeKuponesa KwepaIndaneti

Zvinonyanya kukoshesa mabhidha ebhengi zvinosanganisira:

1. Nhamba yepamusoro yemari pamari yako
2. Low (kana kwete) mari yemwedzi
3. Kwete kwete zvishoma kuenzanirana zvinodiwa
4. Kutungamira-nepamusoro-soro teknolojia

Aya marudzi eakaaka aive atanga kuwanikwa kuburikidza ne-online-mabhengi chete. Asi mabanki mazhinji ezvitini uye-matenga zvino anowanikwa mumakambani eIndaneti sebhadharo rekubhadhara mari paIndaneti uye kure , uye mamwe mabhangi ane zvingasarudzwa paIndaneti chete nemari shoma uye mazinga akakwirira kudarika mazana eakarenda.

Kuzvidzivirira: Nhoroondo dzekuchengetedza paIndaneti dzakanakisisa kune vanozvigadzirira vatengi tech-savvy. Iwe haugoni kufamba mubazi uye kuwana rubatsiro kubva kune anotaura - iwe uchaita yako yakawanda yebhangi paIndaneti iwe pachako. Zvisinei, kutarisira account yako iri nyore, uye iwe unogona kugara uchishevedza vatengi vebasa kuti ubatsirwe (ona kuti mamwe mabhangi-e-matumba anogadzirisa kuti unogona sei kushevedza rubatsiro rwevatengi, uye vanogona kubhadhara mari yekuwana rubatsiro kubva kuvanhu).

Nenzira yakanaka, iwe unogona kupedzisa zvizhinji kuzvikumbira iwe-nguva uye kupi kwaunenge uri nyore kwauri.

Nhoroondo dzekubatanidza: Kushandisa nhoroondo yepaIndaneti, kazhinji unodawo bhadha yebato-uye-yemari yebhangi (inenge ipi zvayo inotarisana nekambani ichaita). Iyi ndiyo yako "yakabatana" nhoroondo , uye iyo ndiyo inowanzoita sarudzo yaunoshandisa yako yokutanga dhipiti. Kana kambani yako yepaIndaneti ichikwira uye ichimhanya, unogona kuita mari kubva kune dzimwe nzvimbo zvakare-iwe unogona kunge uchiisa chekeri ku-akhawunti nefoni yako .

Kushandisa mari: Kana pasina ruzivo rwebazi, ungashamisika kuti ungashandisa sei mari yako kana uchida nekukurumidza. Nenzira yakanaka, dzimwe mabhizimusi epaIndaneti dzinopawo kuIndaneti kutarisa mabhuku anokubvumira kunyora cheki, kubhadhara zvikwereti paIndaneti , uye kushandisa kadhi debit yekutenga uye mari inobviswa. Kana uchida kuendesa mari kubhengi yako yebhangi, iyo inotora inotora inowanikwa mukati memazuva mashomanana ebhizinesi.

Uyezve, dzimwe mabhizimusi ari muIndaneti anokubvumira kuti uraire chechi cashier iyo inopinda ne mail.

Kusiyana kweAkaunti dzeKuponesa

Kana iwe uchida zvinopfuura nhepfenyuro yakazara (kana inowani) yekuchengetedza, kune dzimwe mhando dzeakabhadhara dzinobhadhara chikwereti paunopa mamwe mazano.

Mariko yemari yemari (MMAs): Mahomwe emari yemakakatari anotarisa uye anonzwa semakachengetwa ekuchengetedza. Mhedzisiro huru ndeyokuti iwe unokwanisa kuwana nyore mari yako: Unogona kazhinji kunyora cheke rinopesana nekambani, uye iwe unogona kukwanisa kushandisa mari iyo nekadhi yebhengi. Zvisinei, sekunge imwe nhoroondo yekuchengetedza, kune mamiriyoni ekuti kangani pamwedzi iwe unogona kuita kuti uende. Marikeji yemari yemari inowanzobhadhara mari yakawanda kupfuura mari dzekuchengetedza, asi dzinogonawo kudha mari yakawanda. Icho chakanaka chisarudzo chekuchengetedzwa kwekukurumidzira nokuti iwe unokwanisa kuwana mari yako, asi iwe uchiri kuwana mubereko. Dzidza zvakawanda pamusoro pemari yemari yemari .

Zvitatimiti zveDhipatimendi (CDs): CDs zvakafanana nekodhi dzekodhi, asi dzinowanzobhadhara zvakawanda. The tradeoff? Iwe unofanira kuvhara mari yako muCD pane imwe nguva yenguva (mwedzi 6 kana mwedzi 18, somuenzaniso). Zvinokwanisika kubvisa mari kare, asi iwe unofanira kubhadhara chirango , saka maCD anongonzwisisa zvemari yausingadi chero nguva pfupi. Kuti uwane mamwe mashoko, verenga nezvezvinyorwa zveCD .

Kutarisa kufarira : Kana iwe uchida chaizvo kuwana mari yako (uye uchiri kuda kuwana mubereko), iwe unogona kuwana zvaunoda kubva pakero yekuongorora. Nheyo dzekuongorora chetsika hazvibhadhara chikwereti, asi mamwe maitiro eakaita anokubvumira kuti uwane uye upedze kakawanda sezvaunoda. Mabhenji epaIndaneti anopa mahofisi ekuongororesa ayo anobhadhara zvishoma zvinyorwa (kazhinji zvishoma pasi pekuchengetwa kwekero). Makomborero ekuongororwa mabhengi anotora zvakawanda, asi kukodzera kunogona kuva kwakaoma.

Student Savings Accounts

Kunze kwebhengi reIndaneti, maakareji ekuchengetedza anogona kudhura kana iwe usingachengetedzi chikamu chikuru mu akaunti yako. Mabhangi anorayira mari yemwedzi, uye vanobhadhara zvishomanana kana kuti havana kufarira pane zvinyorwa zviduku. Kune vadzidzi (vanopedza nguva yakawanda yenguva yavo vachidzidza - kusashanda), iyo inetso. Dzimwe mabhangi anopa ma "account" ekuchengetedza nyaya iyo inobatsira vadzidzi kudzivisa mari kusvikira vawana basa uye vanogona kukwanisa kubhadhara mari yepamwedzi.

Kana iwe uri mudzidzi, kambani yekuchengetedza mudzidzi pane brick-uye-mortar bank kana kuti credit union ndiyo imwe nzira yakakosha yebhangi yako yekutanga yebhangi. Ngwarira kuti nhoroondo yacho inogona kutendeukira ku "akhawunti" nguva imwe chete, uye iwe unofanirwa kuyeuka mari yekubhadhara mushure mekutendeuka.

Nheyo-Yakagadzirirwa Kuchengetedza Mazano

Iwe unogona kuchengetedza chero chinhu-kana chimwe chinhu kunyanya-mukodha yekuchengetedza, asi dzimwe nguva zvinobatsira kuisa mari yechinangwa chaicho.

Semuenzaniso, iwe unogona kunge uchida kuchengetedza mari yekutsvaira, imba yako yokutanga, zororo, kana kunyange zvipo kune vadiwa. Dzimwe mabhengi anopa mari yekuchengetedza iyo yakanyatsorongedzerwa yezvinangwa izvi.

Kubatsirwa kukuru kwezviitiko izvi ndezvepfungwa. Iwe kazhinji hauna kuwana zvakawanda pane zvaunenge uchichengetedza (kunyange zvazvo mamwe mabhengi nemanyanzvi emakwereti ari kupa zvinokurudzira kukuchengetedza nguva dzose), asi iwe unogona kunge uchida kusvika kune zvinangwa zvekuchengetedza kana imwe nhoroondo yakasungirirwa kune chimwe chinhu chaunokoshesa. Kana izvozvo zvichiita sechinhu chaungabatsirwa nacho, tsvaga "kambani yekuchengetedza" (kana yakafanana) mapurogiramu. Iwe unogonawo kugadzira purogiramu yako pachayo: Ona kuti ungaita izvi sei pa SmartyPig , kana iwe unogona kuumba "zvinyorwa" kana kuti akawanda maakaiti (ane zita rinotsanangurwa mazita) pamabhanki akawanda ari muIndaneti.