Kushandisa cheki kunoshandura mapepa mumashandisi ekushandisa mari. Asi izvozvo zvinotora nguva yakareba sei? Iwe unogona kutenga cheketi pakarepo kana iwe uchigamuchira kana iwe unoda kumirira chimwe chinhu? Dzimwe nguva nguva ndeyezvakakosha. Iwe unogona kuida mari yacho pakarepo, kana iwe unogona kunge usina chokwadi pamusoro pokuti mutori wekuchechedza anguva yakareba sei ane mari yakawanikwa kuti avhare cheki.
Nzira yakakurumidza yekuisa kuguma kune chero kusava nechokwadi ndeyekutengesa cheki.
Kuderedza kana kuvhara Check
Paunenge uchiita chisarudzo chokuisa kana kutenga cheki, nyatsonzwisisa zvauri kuedza kuita.
- Kushandisa cheki kunoreva kuti uchawana mari muruoko. Iwe unogona kufamba nemari yakazara yekubhadhara, uye iwe uchakwanisa kushandisa mari iyoyo pakarepo.
- Kuderedza cheki kunoreva kuwedzera kuakaunti yako kubhangi kana chikwereti chekambani. Iwe uchawana cheki kuenda kunzvimbo yakachengeteka, uko isingagoni kurasikirwa kana kubiwa, uye bhengi inogona kukubvumira kuti uende nemamwe kana kuti yese cheko cheko. Zvisinei, iwe unogona kumira kumirira mazuva mashomanana mari isati yazara inowanikwa pakushandisa kana kubvisa.
Kana iwe uchida kungoisa cheko kuitira kuti bhenji yako ichitanga kushandura kubhadhara nokukurumidza sezvinobvira, uri muhombe. Iwe haufaniri kumirira kuti uite mari yacho, uye mabhengi mazhinji nemakambani emakwereti anokubvumira kuti uise cheki nefoni yako- imwe nguva, chero kupi zvako.
Kushandisa cheki kunogona kuwedzera mhemberero.
Chengeta Bhuku reMunyori
Nzira yakachengeteka uye yakanono yekuwana mari ndeyekuenda kubhangi yemuongorori. Iko ibhangi kana chikwereti chekambani iyo mari iri kuuya, uye iwe unogona kuwana mari yacho kubva mubhuku rekuongorora chekuongorora uye mumaoko ako pakarepo pabhangi iroro.
Kana iwe uchienda kune imwe nzvimbo, iwe haugoni kuva 100 muzana wekuti cheki yakanaka.
Kutanga, fungai kuti mari iripi ikozvino pamubhadharo. Tarisa zita rebhangi kana logo pane yekutarisa kwechiteshi . Cherechedza kuti iwe haufaniri kuenda kune rimwe bbazi iro munyori wekuongorora anoshandisa; rimwe rebazi rebheni rimwe chete richaita. Iva nechokwadi chekuunza chiziviso chinopindirana nezita rakanyorwa pane cheki .
Kana iwe usina kambani pabhangi iroro, tarisira kubhadhara mari shoma kuti uwane cheki yakasungwa. Iwe ungatowana kuti bhagi rinoramba kushanda newe nokuti hausi mutengi. Kana zvakadaro, zvaungasarudza ndezvipi kuenda kune imwe nzvimbo kana kuzarura kondomu.
Bank yako
Bhandi rako pachako kana chikwereti chekambani inogonawo kuva sarudzo yakanaka, kufunga
- Iwe hauna hanya nechekuchechechedza (kana kudzorerwa nokuti munyori wecheka haana mari yakakwana yekuvhara cheki).
- Cheko iri yepasi pe $ 200 (kana iri chekugadziriswa hurumende).
- Iwe hausi kuda kubhadhara mari.
Bhengi yako, yega, inofanira kutenga mari yekutengesa kwekusununguka nokuti iwe uri mutengi. Zvisinei, zvinotora mazuva akawanda kuti cheketi ibudise , saka iwe hauzivi pakarepo kana chekuchechecha chichitsvaga. Bhengi yako inogona kukupa mari-mabhanji kazhinji inokubvumira kutora kusvika $ 200 pakarepo kana mukati mezuva rimwe chete, uchifunga kuti hapana chinoratidzika sehove-asi iwe unofanira kudzorera mari iyo pamwe nemari kana ikazoitika kuti cheko rinowanikwa.
Kana ukavimba munyori wekuchechesa uye iwe unongoda kuwana mari nokukurumidza, iwe uchada mari uchienda kubhangi rako.
Tora Matters
Mhando ye cheki uri kuedza kutenga mari inokosha. Zvakare, mabhengi anongotarisirwa kuita kuti $ 200 yekutanga inowanikwa kwauri mukati mezuva rimwe rebhizimisi kana chekeri iri rega kana chekutengeserana. Zvisinei, hurumende-yakabudiswa cheki inobatwa zvakasiyana: Unogona kazhinji kuwana 100 muzana mumari pakarepo. Zvichienderana nemabhengi emabhengi ako, mamwe maongororo anogonawo kukodzera (akadai checashier's checks , payroll checks kubva kune vashandi vemunharaunda, uye kubhadhara kubva kumakambani einishuwarenzi).
Kana iwe usingakwanisi kutenga mari yekucheka kwe 100 muzana yehuwandu, iwe unogona kuisa cheki-uye rudzi rwekuisa mari. Dhipatimendi yakaitwa mu-munhu kune vashandi vebhangi yakanakisisa kana iwe uchida mari yacho nokukurumidza.
Iwe unogona kuisa mari yacho paATM kana kushandisa foni yako, asi iyo nzira ingaguma nekuita kwenguva refu.
Zvakare, iwe uine mhosva kana chekiti inoputika, kunyange kana bhengi ichikubvumira kuenda nemari kana kuita kuti mari iwanike muakaunti yako. Ndicho chikonzero chekuchengetedza chekuvhara chekucheka kune ngozi . Munhu wese anotora chekeri yekodhi akachengeteka, uye zvinotyisa zvinotora zvido zvekutenda kwakakanganisika.
Vatengesi uye Check Check Cashing Stores
Kana zvinhu zvisingashandisi nebhangi rako-zvichida nokuti zviri shure kwemaawa, kana zvichida bhangi rako haringabhadhara kudarika $ 200-unogona kuedza kutenga mari kune mutengesi. Iwe uchava nemukana wakanakisisa nehurumende-yakabudiswa cheki uye mheteti checks, asi iwe unogona kukwanisa kutengesa zvinyorwa zvako zvekare zvakare.
Bhokisi guru rekutengesa uye mabhizimisi anotengesa kazhinji anotengesa mari yekuongorora mari shoma. Kmart yakasiyana, sekuwa kwe 2017, nokuti unokwanisa kutenga chekuongorora iwe pachako kusvika $ 500, nepo vamwe vakawanda vatengesi vanonamatira kuhurumende chekuchechera, muripo wekodheche, uye mari yekuraira . Izvozvo zvakati, kana iwe uine cheki checheche (pasi pe $ 25, somuenzaniso), unogona kugara uchibvunza mumwe munhu kune daredhi rebasa revanhu uye vanogona kuita zvakasiyana.
Chengetedza mari yekutengesa ndeimwe imwe nzira, uye vangave vanoda kuisa njodzi, asi vanobhadhara mari inokosha. Chimwe chiyeuchidzo chokupedzisira: Sezvakaita pabhangi, uri pane hokore kana cheko rinoputika. Vatengesi ava vanogona kukubvumira kuti uende kunze nemari, asi vanozotarisira kubhadhara kana chekiti ichidzorerwa, uye ivo vanotora mutemo kana iwe usingabhadhari .
Postdated Checks
Zvakadini kana cheki yacho yakanyorwa nemusi wevhiki inotevera? T hen unogona kuitengesa pakarepo here? Muzviitiko zvakawanda, iwe unogona kukanganisa chokwadi chokuti cheki yakaderedzwa . Zvisinei, pane chikonzero icho munyori wekuchechedza akadzoka cheko, sekusina mari munhoroondo. Zvinogona kukubatsira iwe kuti uzive icho chikonzero usati waedza kuisa kana kutenga mari yekuongorora. Kana mari yacho isipo, haudi kukanganisa rwendo kune bhendi rekuongorora, uye iwe haunoda kubhadhara mari yako kubhangi yako nekuisa cheki chakaipa.