Nzira Yokurarama Nayo Nhoroondo yeBhangi

Nhepfenyuro Yemari Yakawanda Pasina Bhizimisi Nhamba

Zvinhu zvinowanzo nyore nyore nekambani yebhangi . Asi iwe unogona kuva nezvikonzero zvako zvekurarama pasina bhadha yebhangi. Zvinogona kuva chinhu chenguva pfupi, paunenge uchidzivisa hupfumi hwehupfumi kana matambudziko awakave nawo nemabhanki munguva yakapfuura. Kana iwe ungangodaro wakasarudza kuita pasina mabhengi zvachose. Chero nzira, zvinokosha kuti uzive kushanda kwebhengi-kusina.

Imwe sarudzo ndeyokushandisa kadhi rebhadhiro rakabhadharwa , bhagoni-sechigadziro chinokubatsira kuti uite mabasa akawanda emari iwe pachako.

Iwe haufaniri kushandisa makadhi ekubhadharwa, asi iyo inzira shoma kubhengi (pasina matambudziko mamwe chete anouya nemabhangi).

Mapurogiramu uye mapurogiramu epaIndaneti zvakarewo dzimwe nzira. Ivo vane zvishomanana zvishoma pane makadhi akabhadharwa, asi vanogona kukodzera zvaunoda zviri nani.

Makadhi akabhadharwa

Makadhi akabhadharwa ngaakuite iwe kuita zvakawanda zvezvinhu zvakafanana zvaunogona kuita nekodha yekuongorora. Zvisinei, haufaniri kuzarura kambani yakakwana yebhangi inoshanda. Pane kudaro, iwe "mutoro" mari yako pakadhi yako uye upedze mari yawakatakura. Kusiyana kukuru pakati pemakadhi ekubhadharwa uye mabhangi ebhengi kunosanganisira:

• Iwe haufaniri kutanga nehumwe huwandu huripo (kunyange zvazvo mabhizinesi ari mumutambo kakawanda haasisina huwandu hwekuenzanisa kana kuisa zvinodiwa).
• Hakuchina chikwereti chekicks.
• Chexsystems nezvimwe zvinhu zvakafanana hazvizokudziviriri kuti uzarure account.
• Unogona kudzivisa kana kuderedza mitero yemwedzi.
• Iwe haugone kushandisa mari yakawanda kupfuura iwe kana kupinda mune chikwereti .

Mamwe makadhi akabhadharwa ane mwedzi unochengetedza mari uye mamwe mari, asi pane makadhi asina mahwendeko kunze uko . Kana iwe ukazoguma uchibhadhara mari, iwe ungapedza mari yakawanda kudarika iwe waizobhadhara kubhangi kana chikwereti chebato . Somuenzaniso, makadhi akafanana neEmex Serve kadi inogona kutora chikamu chekuongorora zvishoma kana pasina mari.

Iye zvino, pane mamwe mabasa ebhengi, uye kuti angaita sei pasina bhadha yebhangi yebhangi.

Daily Day Spending

Kusvikira sangano rinopera risina maturo , mari inosarudzwa kwezuva nezuva kumari. Nezvinhu zvakadai sezvokudya, gesi, kutakura, uye varaidzo, mari inowanzova nzira yakakodzera yekubhadhara. Iko kutsvaga kukuru ndeyekuti iwe unoda kutakura mari kwauri, iyo inogona kunge yakachengeteka. Uyezve, kana ukarashikirwa nemari, hapana nzira yekuidzorera nayo.

Panewo nyaya yekuwana mari pakutanga: Haugone kubvisa mari kubva kune ATM kunze kwekuti une bhazinesi rebhangi kana kadhi rakabhadharwa kare.

Cash yakaisvonaka munzvimbo dzakawanda. Asi iwe unogona kuomerwa nekuwana shanduko (kana nezvikumbiro zvekushandurwa chaicho). Kuita kuti zvinhu zvive nyore, edza kuwana zvidhinho zviduku, uye kutenga kupfuura (zvakadai sebhasi kana gwagwagwasi inopfuura) kuderedza mari yakawanda inoshandiswa-uye nhamba yemari yaunopedza nayo .

Makadhi ekubhadharwa kubhadharwa kubhadhara anogona kubatsira nemari yako yezuva nezuva inoshandiswa. Iko kune nzvimbo shomanana dzisingagamuchiri plastiki , asi vatengesi vakawanda vanofara kutora chikwereti nekadhi rakabhadharwa. Chaizvoizvo, ivo vangasazoziva kana iri kadhi rakabhadharwa kana bhidhidhi yakasununguka -yakabudiswa pakadhi yebhadhiro . Iwe unogona kupedza mari yakawanda sezvawakatakudza, uye kana kadhi racho rakarasika kana kubiwa, unogona kuritesa uye uwane nzvimbo.

Kana iwe uchida mari, zviri nyore kubvisa mari paATM .

Kubhadhara Zvikwereti Pasingapi Bhuku reBhangi

Zvinosuruvarisa, vatengesi havawanzobvumi mari. Makambani emabhizimusi (gesi, mvura, uye magetsi), makambani efoni, mabhizimisi, uye kubhadhara maitiro kazhinji vanoda kubhadhara necheki, kadhi, kana kuti ACH kutumirwa kubva kubhangi yako yebhangi . Zvimwe zvikwereti zvinokubvumira kupinda mumunhu uye kubhadhara nemari, asi mutoro wekuita rwendo rwemwedzi mumwe nomumwe panguva dzebhizimisi.

Kana uri kuronga kushanda nemari bedzi, bvunza vabhadhari vako apo iwe unogona kubhadhara uri munhu. Vamwe vanopa nzvimbo dzemunharaunda, asi vamwe vanokubvumira kubhadhara pamashambaguru ehurumende uye mabasa anotengesa ( uchishandisa Western Union vashandi, somuenzaniso). Kana iwe uchida kutumira tsamba mubhadharo, shandisa mari yekuripira yakabhadharwa kubhadha panzvimbo yemari.

Zvakare, makadhi okubhadhara mari anogona kuita kuti zvinhu zvive nyore (uye zvisingadhura).

Makadhi akawanda akabhadharwa anopa mubhadharo mari yepaIndaneti . Iwe unogona kuisa mubhadharo, uye kadi yako yakabudisa ichadhinda uye kutumira cheki kune biller yako (kana kutumira mari zvemagetsi). Uyezve, basa racho ringasununguka. Kana biller wako achibvuma kubhadhara kubva kuchikwereti kana kubhadhara kadhi, unogona kungopa nhamba yekadhi panzvimbo.

Cashing Checks

Apo iwe unobhadharwa necheki uye iwe hauna kambani yebhangi, iwe wakagadzikana. Izvo zvinowanzokwanisa kuisa cheki panzvimbo pokuvapa mari. Kuderedza mari kunokudzivirira kubva pakufamba-famba nemari yakawanda yemari, iyo inogona kurasikirwa kana kukuedza kushandisa mari kupfuura iwe.

Zvisinei, dzimwe nguva unogona kutenga mari cheki.

Usina kadhi yebhangi inowanikwa, yako yakanakisisa yekusarudza kuongorora kutengesa kungave kutora cheki kune bhendi rekuongorora. Semuenzaniso, kana cheko ichibvisa pane imwe nhoroondo kuBan of America (ona kuti ungawana kupi ruzivo ), enda nayo kuBanning America branch kuti uitengese. Ingoziva kuti iwe unogona kubhadhara mari kana iwe usati uri muridzi webhengi, uye bazi rinogona kuramba kukwereta cheko.

Vatengesi vangave vanodawo kuongorora mari. Semuenzaniso, K-Mart anocheka dzimwe cheki dzekusununguka , uye amai-uye-pop vanozvitengesa zvamunotenga nguva dzose vanogonawo kuita zvakafanana. Kuti ushandise nzira iyi, unofanirwa kuisa cheko chepamusoro kune mutengesi , iyo inogona kuva yakaoma. Chengetedza mari yekutengesa (kazhinji munzvimbo imwe chete sebhadharo yemari yekubhadhara chikwereti ) inogonawo kuva sarudzo, asi zvingangoita kuti ibhadhe zvakawanda.

Kana iwe usingadi mari ikozvino-kana iwe iwe chete unoda zvishoma-kadhi rakabhadharwa rinogona kuuya rakanaka. Kazhinji makadhi akabhadharwa anokubvumira kuti uise chekeri ku-akhawunti yako nekunyora pikicha nefoni yako . Mumazuva mashomanana, unogona kubvisa mari iyo paATM.

Kuchengeta (nekuchengetedza) Mari

Chimwe chinhu mabanki anoita zvakanaka ane mari yako. Kunyange kana bhanhire rako richipisa kana kuti rakaparadzwa nedambudziko rechisikirwo, mari yako inofanira kuve yakachengetedzwa neDFIC . Zvikwereti zvekodheni zvinodzivirirwa zvakafanana . Zvinotyisa kufamba-famba nemari yakawanda kana kuchengetedza mari yako yose mumba mako-inogona kubiwa kana kupiswa mumoto. Kana uchida kurarama usina mabhanki kana makadhi akabhadharwa, tora moto usina kudzivirirwa uye uwane nzvimbo yakanaka yekuisa.

Makadhi akabhadharwa anokubvumira kuti uchengetedze mari yaunotakura mune imwe nhoroondo yakabatana nekadhi rako. Nhoroondo yacho inogona kana kuti irege kunge iri FDIC-yakavimbiswa, uye iwe haungakwanisi kuwana chikwereti pamari yako , asi mari haigoni "kufamba nega yoga" kana kuenda kune utsi.

Kutumira uye Kuwana Mari

Kana iwe uchida kubhadhara shamwari neshamwari (kunze kwebhizimisi dzinokutumirai mushumo), pane nyaya dzakanaka uye dzakaipa: Une zvikwereti zvisiri zvebhangi zvinowanika, asi mazhinji emabasa iwayo anoda bhadha yebhangi (kana kuti zvishoma kadhi yakabhadharwa kare) kuti uite.

Zvirongwa zvakadai sePayPal, Square, uye Venmo zvinowanzosunungurwa pamitero yevanhu-kune-munhu, asi unoda nzira yekubhadhara chikwereti. Kune vanhu vazhinji, izvozvo zvinoreva kubatanidza kambani yebhangi kuushumiri hwekuInternet, asi zviri pachena kuti haisi yekusarudza kana pasina bhangi yebhangi inobatanidza.

Nevamwe mabasa, iwe unogona kukwanisa "kutakura" mari mune imwe nhoroondo nokutumira mari yekuronga, uye vamwe vanokubvumira kutenga makadhi kune vatengesi kuwedzera mari kuakaunti yako. Somuenzaniso, PayPal inopa maCash yangu makadhi, uye unogona kutakura makadhi akabhadharwa nemari kune vatengesi vakaita seWalmart.

Tora Mari

Mukuwedzera kune kugadzirisa kwemazuva nezuva, mari dzebhengi dzinokwereta nyore nyore. Asi zvinokwanisika kutenga chikwereti pasina kambani yebhangi.

Vatengesi vanowanzokumbira tsananguro yebhangi yako yebhangi kana iwe ukakumbira chikwereti kuitira kuti vakwanise kubhadhara chikwereti chenyu uye nharaunda iyo mari inoenda. Kushandisa pasina ruzivo irworwo runokanda wrench mumabasa. Zvimwe, kunyange kana iwe uchibvumirwa, iwe unoda kuita chimwe chinhu nemari yaunotora-kana kutenga mari yekuongorora kana kuchengetedza mari yacho mubhadharo yakabhadharwa. Zvose izvo zvinoratidza kuti kubhadhara kwakaoma pasina bhangi.

Zvisarudzo zvako zvekukwereta zvisingakwanisi kana iwe usina unbanked. Iwe unogona kunge wakasiyiwa nevashoma-kukwikwidzana vatengesi sepa payday chikwereti chezvitoro uye vatengesi vemotokari . Asi mari yacho inonyanya kukwirira apo iwe uchishandisa izvo zvinyorwa. Usati wasiya tariro, enda kune imwe nzvimbo yebhengi yemabhengi kana bhenji remunharaunda uye ubvunze kana iwe unogona kuwana chikwereti. Zvinogona kutora zvimwe zvingaita kuti zvibvumirwe.

Paunenge uchitenga motokari, iwe unofanirwa kuva nehanho iri nani, kunyange pasina cheki chekuongorora. Vatengesi vemotokari vanogona kudzorerazve motokari yako kana iwe ukarega kubhadhara, izvo zvingavapa kuvimba kwose kwavanoda kuti vabvumire chikwereti chako.