Checks zvichiri kushamisa zvinoshamisa, kunyange munyika yezuva ranhasi. Peji chekuongorora iyo inoshandiswa uye isingadhuri yekushandisa mari, asi iwe haunyore cheki zuva rega rega (kana zvichida iwe hauna kumbozviita).
Kunyora cheketi iri nyore, uye izvi zvidzidzo zvinokuratidza kunyatsozviita. Tungamira pane imwe nhanho imwe-ne-imwe, kana kungoshandisa muenzaniso uri pamusoro apa semuenzaniso wezvitsva zvaunoda kunyora (ona chifananidzo chikuru). Pedzisa matanho pane chero zvaunoda. Mumuenzaniso uyu, iwe uchabva kumusoro kwe cheki kusvika pasi, iyo inofanira kukubatsira kuti usarega kutsika chero matanho.
01 Muenzaniso
Heino muongororwo wechitsva chakakwana.
- Current date: Nyora izvi pedyo nepamusoro pekona kona. Mune dzimwe nguva, iwe uchishandisa zuva rezuva ranhasi, iro rinokubatsira iwe nemubatsiri kuchengeta zvinyorwa zvakarurama. Iwe unogonawo kutumira cheki , asi izvozvo hazviwanzoshanda nenzira yaunofunga kuti ichaita.
- Payee: Pamutsetse unoti "Bhengeta kurongwa," nyora zita romunhu kana sangano uri kuripa . Iwe unofanirwa kubvunza "Ndiyani wandinoita chekuongorora?" kana iwe usina chokwadi chekunyora. Dzivisa kunyora cheki kuripa mari- inonakidza asi inotyisa .
- Nhamba iri mumhando yakanyorwa: Nyora kukosha kwekubhadhara kwako mubhokisi duku riri kuruoko rworudyi. Tanga kunyora kusvika kure kuruboshwe sezvinobvira. Kana kubhadhara kwako kuri $ 8.15, "8" inofanira kunge yakarurama kurwisana nechokuruboshwe-muganhu weodhora bhokisi kuitira kudzivirira unyengeri. Ona mienzaniso yekuti unganyora sei muhuwandu .
- Zviyero mumashoko : Nyora mari yacho uchishandisa mazwi kuti usapedzisira uchingonyengedza. Ichi chichava chikamu chepamutemo chebhadharo yako. Kana chikamu ichocho chakasiyana nemhando yechipfumi yawakapinda mudanho rekare, mari yawakanyora nemashoko inotenderwa kuva mutengo wekutora kwako . Shandisa ALL CAPITAL LETTERS, izvo zvakaoma kuchinja.
- Chiratidzo : Isa chiratidzo checheche zvakananga pamutsara mukona wezasi-kurudyi. Shandisa zita rimwechete uye kusayina pafaira pabhangi rako. Iyi danho rinokosha-cheki haichazobvumirwi pasina chikwangwani.
- Memo (kana kuti "For") mutsara: Kana uchida, shandisa kadhi. Iyi danho inofadza uye haichazokanganisa mabhengi anoita sei cheki yako. Memo line inzvimbo yakanaka yekuwedzera chiyeuchidzo pamusoro pekuti sei wakanyora cheki. Inogonawo kuva nzvimbo yekunyora ruzivo iyo mubhadha wako achashandisa kugadzirisa mubhadharo wako (kana kuwana gwaro rako kana pane chimwe chinhu chinowanikwa zvisina kunaka). Somuenzaniso, iwe unogona kunyora Your Social Security Number pane iyi mutsara paunenge uchibhadhara IRS, kana nhamba yekambani yebhadharo rekushandisa.
Mushure mokunge iwe unyorera cheki , ita rekodhi yekubhadhara. Cheketi yekuregesa ndiyo nzvimbo yakakodzera yekuita izvi, pasinei nokuti unoshandisa magetsi kana pepa rejeri. Kunyora kubhadhara kunokudzivirira kushandisa mari yacho kaviri-mari yacho icharamba ichinyanya kuwanikwa muakaunti yako kusvikira mushure mokunge cheki yacho yaiswa kana kuti yakasungwa, uye izvozvo zvingatora nguva. Zvakanakisisa kuita nyora yekubhadhara iyo yakatsva mupfungwa dzako.
Usati wanyora cheki , iva nechokwadi chokuti chinhu chaicho chaunoda kuita. Kunyora cheki kunowedzera, uye haisi iyo nzira inokurumidza kushandisa mari. Iwe unogona kunge uine dzimwe nzira dzinogona kuita kuti upenyu hwako huve nyore uye hukubatsire kuchengetedza mari. Somuenzaniso, unogona:
- Bhadhara zvikwereti paIndaneti , uye utoudza bhangi yako kuti utumise cheki kamwe chete mwedzi mumwe nomumwe. Iwe hauchazodi kunyora cheki, kubhadhara kutumira, kana kutora cheki mutsamba
- Tora kadhi yebhadhiro uye upedze neizvozvo panzvimbo. Iwe uchabhadhara kunze kwekambani imwe chete, asi iwe unozoita zvemagetsi. Hapana chikonzero chekushandisa up checks (izvo iwe uchazofanira kuronga zvakare ), uye iwe uchava nekodhidhi yekodhidhi yekutengeserana kwako nezita repayee, zuva rekubhadhara kwako, nemari.
- Ita zvinowanzobhadhara zvikwereti zvekubhadhara nguva dzose sekushandiswa kwemari uye mari yemishuwarenzi. Iko kusina mutero kubhadhara nenzira iyi, uye inoita kuti hupenyu hwako huve nyore. Ingova nechokwadi chokuti iwe nguva dzose wakagamuchira mari yakakwana muakaunti yako kuti uvhare mushumo.
Hazvina mhosva kuti unosarudza kubhadhara sei, iva nechokwadi chokuti iwe unogara uine mari yakakwana inowanikwa pakero yako yekuongorora. Kana iwe usingaiti, zvikwereti zvako zvinogona "kutonhora" uye kugadzira zvinetso, kusanganisira zvikwereti zvakakura uye zvingangoita nyaya dzepamutemo.
02 Nyora Mutengo uri mu Check Check Register
Ita rekodhi yemacheke ose unonyora mubhodhi rekoche (ona chinyorwa chikuru chemuganho uyu). Kuita izvi kuchakubvumira kuti:
- Chengetedza mari yako kuitira kuti urege kubhadhara cheki.
- Ziva kuti mari yako inofamba kupi. Bhishopu yako yebhangi inogona kuratidzira nhamba yekuchecheche uye chiyero-pasina tsanangudzo yekuti iwe wakanyora cheki ku.
- Tsvaga hutsotsi uye kubhakwa kwekuzivikanwa muakaunti yako yekuongorora.
Iwe unofanirwa kugamuchira rezhenisi chekoche kana wawana bhokisi rako. Kana iwe usina imwe, verenga zvakawanda pamusoro pokuti sei kuongorora mabhuku ezvakakosha uye kupi kwaunovawana . Zviri nyore kuita rako pachako uchishandisa pepa kana pepanheti.
Nyora zvose zvemashoko anokosha kubva kutora rako:
- The check check
- Zuva rawakanyora cheki
- Tsanangudzo yekutengeserana kana kuti iwe wakanyora cheki ku
- Kubhadhara kwakadini kwaive
Kana uchida mamwe mashoko pamusoro pekupi kwaungawana ruzivo urwu, ona mufananidzo unoratidza zvikamu zvakasiyana zve cheki .
Iwe unogona kushandisa rejeri rako kuti uenzanise nekutarisa kero yako . Iyi ndiyo tsika yekutarisa kaviri kutengesa kwega kwega mubhengi rako rebhangi kuitira kuti iwe nebhangi mune peji imwechete. Iwe uchaziva kana pane zvikanganiso munyaya yako, uye kana mumwe munhu akakundikana kuisa cheki iwe wakanyora (zvichiita kuti utende kuti mune mari yakawanda yekushandisa).
Cheko rako rekuregeresa rinogonawo kupa maonero ekungoona kwemari yakawanda yaunayo. Kana ukanyora cheki, iwe unofanira kufunga kuti mari yaenda-mune zvimwe zviitiko, mari yacho inotorwa kubva kuunti yako nokukurumidza nokuti cheko yako inoshandurwa kuongorora yezvemagetsi . Mumuenzaniso wepamusoro, tinogona kufungidzira kuti wakamuka mangwanani ano ne $ 100 inowanika munhoroondo yako. Iye zvino zvawakanyora cheki ye $ $ 8, iwe une $ 91.85 chete.
03 Mazano Okunyora Check
Paunonyora cheki, iva nechokwadi chokuti inoshandiswa nenzira yaunoda-kubhadhara mari yaunotarisira kumunhu kana sangano rawakaronga.
Mbavha anogona kugadzirisa cheki dzinorasika kana dzoba. Cheki dzine mikana yakawanda yekurasikirwa mushure mokusiya maoko ako, saka ita kuti zvive nyore kuti mbavha dzigadzirire misoro yenyu. Kana iwe uchirasikirwa nemari zvachose kana kwete, iwe uchafanira kushandisa nguva nekuedza kuchenesa mushure mushure mekunyengera.
Security Tips
Ita miitiro iri pasi apa kuti udzikise mikana yekunyengedza kushaya account yako.
Ita zvigare: Shandisa peni pose paunonyora cheki. Kana iwe ukashandisa penzura, chero munhu ane eraser anogona kuchinja huwandu hwekutarisa kwako uye zita remutengi.
Hapana chinyorwa chinoongorora: Usaisa cheki kusvikira wapedza kuzita muzita remunhu wacho uye mari yacho. Kana iwe usingazivi kuti ndiani aizotora cheko rinobhadharwa kana kuti chimwe chinhu chinotengeswa, ingoita peni-inenge isina ngozi kune kupa mumwe munhu ruzivo rusingaperi kumakero ako ekuongorora.
Ramba uchiongorora kubva pakukura: Paunenge uchizadza idhora rakawanda, ita nechokwadi kuti iwe unonyora kukosha nenzira inodzivisa scammers kubva kuwedzera kwairi. Ita izvi kuburikidza nekutangira kuruboshwe kuruboshwe rwenzvimbo, uye tora rwonzi mushure mekupedzisira. Somuenzaniso, kana cheki yako iri ye $ 8.15, isa "8" kusvika kuruboshwe sezvazvinogona. Zvadaro, tora rwonzi kubva kuruboshwe rwe "5" kusvika kumagumo echando kana kunyora nhamba dzakakura zvikuru zvokuti zvakaoma kuwedzera nhamba ipi zvayo. Kana iwe ukasiya nzvimbo, mumwe munhu anogona kuwedzera majeri, uye cheko yako ingaguma yava $ 98.15-kana $ 8,159.
Makopi emakona: Kana iwe uchida pepa rekodhi yemacheke ose unonyora, tora mabhuku ekuongorora uye kabhoni makopi. Iko mabhuku ekuongorora ane pepa rakapetesa rine kopi yekuongorora kwose kwaunonyora. Somugumisiro, iwe unogona kukurumidza kuziva kuti mari yako yakaenda uye chaizvoizvo zvawakanyora pane cheki chega. Iwe unogona kutarisa kumusoro chekuchechechedza paIndaneti, asi mamwe mabhangi anongopa mifananidzo yakasununguka kwemwedzi kana maviri. Makopi ako emakone anogona kugara mumakore akawanda kana iwe uchida kuchengeta iyo yakareba.
Chimiro chinonyatsopindirana: Vanhu vazhinji havana chikwangwani chisinganzwisisiki, uye vamwe vanopinda cheki uye mabhidhiketi emarikiti nemifananidzo inonakidza. Asi kushandiswa kushandiswa kwechiratidzo chimwechete kunobatsira iwe nebhangi rako kuti uone unyengeri. Zvichava nyore kwauri kuti uratidze kuti iwe hauna mhosva yemhosva kana chikwangwani chisina kufanana.
Kwete "Cash": Rega kunyora cheki inobhadhara mari . Izvi zvinongova pangozi sekutakura zvakapoteredza chinyorwa chisina kushandiswa kana wadhi yemari. Kana uchida mari, bvisa kubva kuATM, tenga rutanda rwegamu uye uwane mari kumashure uchishandisa kadhi yako yebhengi, kana kungotora mari kubva kune mutauri .
Nyora zvicheki zvishomanana: Cheketi haisi chaiyo chaiyo, asi kune nzira dzakachengeteka dzokubhadhara zvinhu. Paunenge uchiita zvemagetsi, hapana pepa rinorasikirwa, rakabiwa, kana rakarongedzwa nembavha. Kazhinji kuongorora kunotendeuka kubhadharo yemagetsi chero ipi zvayo, saka hausi kurega teknolojia kuburikidza nekuongorora. Kodhidhi yepurogiramu inowanzova nyore kuverenga nokuti ivo vatova mumamiriro ekutsvakurudza ane tampamusi yezuva uye zita romutengi. Shandisa zvishandiso sepaIndaneti mari yekubhadhara mari yako yekudzokorora, uye shandisa chikwereti kana debit kadi ( zvichida kadhi rechikwereti ) rekushandisa kwezuva nezuva. Inoda kutumira mari kune shamwari neshamwari? Iwe unogona kuzviitawo zvakare-kazhinji kusununguka .