Kutsanya Kwokuita Mari Kunoita Sei?
Mari Inobvepi Inobvisa Account Yako?
Kana iwe uchibhadhara ne cheki, mari yacho haisi kurega nhoroondo yako kusvikira bhanhire rako richikumbira mari kubva kubhangi rako.
Somugumisiro, zvingave zvichikwanisika kubhadhara ne cheki kunyange kana usina mari inowanikwa munhoroondo yako .
Zvechokwadi, hazvisi pamutemo kubhadhara ne cheki kana iwe uchiziva kuti hapana mari inotsigira cheki. Izvi zvinoitika zuva rega rega, uye migumisiro yakaipa haigoni kuitika (kunze kwekuti iwe uchida kubiridzira vamwe kana kunyora cheki chikuru kwazvo), asi hazvifananidzi kuedza mukana wako.
Nhanho iyo cheki yako inoshandiswa inotsamira pane zvimwe zvinhu, kusanganisira kuti sei uye kana cheki yacho yaiswa sei. Zvisinei, mune zvimwe zviitiko (zvakadai sepaIndaneti zvinokweretesa zvaunoronga nebhangi rako), mubhadha haatombofaniri kuisa cheko-mari ichaderedzwa kubva ku-akhawunti yako kana bhenji yako ichiita kubhadhara.
Kazhinji madipo: Muzviitiko zvakawanda, mutengi wako achaisa cheki yako kubhangi ravo kana chikwereti chebato. Bhengi iyo ichakumbira kubhadhara nokuendesa kopi yeshekeri (kana cheko pachako) kubhangi rako.
Apo bhangi rako richibhadhara rimwe bhangi, mari yacho inodzingwa kubva ku-akhawunti yako. Izvi zvinotora mazuva akawanda emabhizimisi.
Kodhidhiyo inoshandiswa: Kana mubhadha wako achiita chekuvha yakatarisa, iyo inowedzera nokukurumidza. Vahedheni vanogona kuisa chekushandisa zvemagetsi vachishandisa foni , kombiyuta, kana kuti chengetera scanner yakabatanidzwa pane rekodhi yemari.
Cheko rako richashandurwa kuva mufananidzo , uye chifananidzo ichocho chichaendeswa kune mabhangi ose anoshandiswa pamagetsi. Chaizvoizvo, magetsi anowedzera kushaiwa (uye nguva inotora) kuti mutengi wako awane cheki yako kubhangi.
Kana mubhadharo achikanda cheki: Mune zvimwe zviitiko, mupiki anogona kutenga mari yako chekutora uye kuwana mari kubva kubhuku rako pazuva rimwe chete raunobhadhara ne cheki. Kuti uite kudaro, ivo vachada kutora pepa chekuongorora kubhengi rako (kana bazi rakabatanidzwa kune imwe sangano raunoshandisa pakutarisa kero yako ). Iwe unofanirwa kuva nemapatenti zana emari inoda kuwanika munyaya yako yekuti cheki inokonzerwa. Kana iwe uri mupfupi, chikumbiro cheko cheko chekuongorora chicharamba, uye iwe uchabhadhara mari yako kubhangi yako (uye mubhadharo angave ane kodzero yekukubhadhara mari yepamusoro).
Nzira Yokudzivisa Kupa Checks
Kuti udzivise matambudziko ose anouya nekugadzirisa cheki ( mari, kushungurudzika, zvinetso zvepamutemo, uye mari yakawanda ), iva nechokwadi kuti unoziva kuti iwe unowanikwa sei kuti ushandise - uye usashandisa mari yakawanda.
Zvose zviri nyore uye zvakaoma kugadzirisa akhawunti yako kupfuura yaive makore makumi maviri akapfuura.
- Zvakashata: Mazuva ano, unogona kupedza kubva kuakaunti yako yekuongorora nenzira dzakawanda, uye iwe unogona kunge usingazivi kuti zvikwereti zvicharova sei account yako. Zvinonyanya kunyengera apo iwe unotenga nekadhi yako yebhadharo uye apo mabhiridha ari kubhadharwa achishandisa ACH .
- Zvakanaka: Zviri nyore zvakare kupfuura kare kare kuti uzive zviri kuitika munhoroondo yako. Iwe unogona kutarisa mabhadharo e-akhawunti yako uye kutengesa kubva kombiyuta yako kana foni, uye iwe unogona kushandisa kunyange zvinyorwa zvemashoko zvinyorwa zvishoma .
Chengetedza bhokisi rako: Nzira yakanakisisa yekudzivisa zvinetso mubhengi rako rebhangi ndeyekuenzanisa nhoroondo yako yekuongorora nguva dzose . Kunyangwe zvisingabatsiri, izvi zvinokubatsira kuti unzwisise zviri kuitika iyezvino - uye zvichazoitika mune ramangwana. Iva nehanya kana mabhizimisi anotsvaga achibva kubhidhi yako (zvishandiso kana mari yekubhadhara mari, somuenzaniso), cherechedza chero cheki kana chekutengesa kadi yekutenga, uye chengetedza chero chekuchechechedza kunotapudza mari yaunogona kushandisa. Kuti ubatsire nekutengesa, shandisa reki rekuchechesa kana spreadsheet.
Tarisa kune zvibato: Zvakare zvakare kufunga kuti iwe unogona kushandisa mari mushure mekunge iwe uchiita mairi.
Kana ukaisa mari, ichokwadi - iwe unogona kupedza pakarepo. Asi iwe unofanirwa kumirira kuti uwane rusununguko rwehuwandu hwekutarisa iwe waunoisa. Mari yebhangi yako inogona kukubvumira kuti upedze chikamu pakarepo, uye zvimwe zvese zvinowanikwa sezvo cheki yacho ichibviswa .
Shandisa makadhi emakadhi ekushandisa: Makadhi ekubhadhara makwereti ane zvikwereti, asi iwe haungabhadhari chikwereti kana iwe uchibhadhara bhaari rose mwedzi mumwe nomumwe. Izvo zvinhu zvinoshandiswa zvekushandisa zuva rega rega nokuti hazvipindi zvakananga neakaunti yako yekuongorora sekuita sedhidhi makadhi (kana iwe ukanganisa kana mutengesi unoita, kero yako yekuongorora ichange isingabatsiri). Uyezve, vane zvimwe zvinodiwa nevatengi-zvine ruzivo .
Bhenganisa kambani yako yekuchengetedza: Kana iwe kazhinji uchinge wakaderera mukutarisa, tarisa nzira dzekudzivisa kana kuderedza kudhura kwekodzero . Imwe yezvinhu zvisingadhura zvakanyanya ndeyekubatanidza account yako yekuchengetedza kuongororo yako yekuongorora. Kana iwe uchitadza kubhadhara kambani yako, bhagheni inotamisa mari kubva pakuchengetedza (uye ubhadhara mari shoma - inowiri pasi pekubhadhara mari isingakwanisi).
Ngwarira ne cheki: Usanyora cheke kana usina mari iripo, kunyange iwe uchifunga kuti mari ichave iri mumazuva mashomanana. Zviri nyore kuti zvikwereti zvibve nekukurumidza kupfuura zvaunotarisira (kana kuti kuisa kuti zvishoma nezvishoma iwe unotarisira). Kana iwe ukazviwana uchiedzwa kuti unyore zvakaipa checks, zvinoreva chimwe chinhu chinoda kuchinja (kana kushandisa mari yako kana zvishandiso zvaunoshandisa pakushandisa-cash). Kuburitsa cheki kunounza matambudziko mazhinji, uye vanogona kugumisa pasi yako chikwereti chikoro .
Inguva Yakadii Unoda Kurega Kubhadhara?
Kana iwe wakagadzira mubhadharo waunoda kubvisa, bvunza chibharo chekumisa nekukurumidza nokukurumidza. Iwe unogona kuva nemazuva emabhizimisi akawanda kuti uite izvi, asi hapana chaunogona kuita kana mubhadha achienda kubhangi rebhanki uye akacheka cheko (mari inogona kubviswa kubva kubhuku yako pakarepo).
Bata bhangi rako uye bvunza kuti ungamisa sei kubhadhara pane cheki yako. Muzviitiko zvizhinji, chikumbiro chechinyorwa chichashanda kwechinguva (kazhinji masvondo maviri), asi iwe unoda kutevera mukunyora kwenguva yakareba.