Kusiya iyo yakazaruka? Paunenge usingadi kuteerera kana kusabatanidza vashandi pamwe chete nekambani yacho, zvingava zvichiedza kungosiya nhoroondo yakazaruka. Asi kuvhara mabhizinesi enyu ebhanki nokukurumidza zvinogona kukudzivirira nenzira dzakawanda:
- Dzivirira zvikwereti: Chengetedza vamwe vatengi vebhuku kubva kushandisa kambani. Kana vachiedza kushandisa mari (kunyanya mari isiripo) uye kunyorera zvikwereti mumhosva , nhamba yekambani inogona kuenda zvisina kunaka. Iwe unofanirwa kuzvidzosa kumashure kusvika zero kuvhara account.
- Deredza zvidha: Isa kuguma kumwedzi wemari uye kusabhadharwa mari. Sei uchibhadhara chimwe chinhu chausina kushandisa?
- Mutoro wepamutemo: Kunyange kana iwe moga uchishandisa iyo nhoroondo uye iwe unovimba nomumwe munhu, vashandi vekambani vanobatana vane zvikwereti pachavo mune mari. Kana mumwe mubhengi wekambani anokwidzwa (nokuda kwechikwereti chisina kubhadhara kana njodzi yemotokari, somuenzaniso), vateresi vanogona kutora mari yako .
- Sora kuputsa: Dzimwe nguva iwe unoda kuisa zvakare shure kwako. Kuvhara nhoroondo dzekare kunogona kupa hurombo mupfungwa uye kubvisa zviyeuchidzo zvisingadiwi.
Nhoroondo dzakabatana dzinobvumira kushandira kwakazara kune mumwe wega webhuku. Somugumisiro, munhu anokwanisa kazhinji kupedza mari yose kubva mubhuku pasina kubvumirwa nevamwe.
Izvo zviri nyore kumatambudziko emhuri uye shamwari dzebhizimisi dzinoda kushanda zvakanaka. Asi zvinhu zvinogona kuoma zvakaoma apo ushamwari huguma. Iwe usati watora mari kana kuvhara aunti, ona kana iwe usina kodzero yepamutemo kune imwe kana mari yose, uye uongorore kuti vamwe vateereri vemabhuku vanogona kuita sei kana iwe uchifambira mberi usina chavo.
Zvaungavhara Joint Bank Accounts
Nzira yekuvhara maakaunti inobva pabhangi rako, uye mamwe mabhanga anoita kuti zvive nyore kune vamwe. Kana iwe uchida kutama pakarepo, taura nebhangi rako kana dhipatimendi rekambani yebasa rekambani.
Ndiani anoda kubvuma? Mamwe mabhengi anobvumira chero mupi webhengi kuti avhare gwaro rekubatana mumwe nomumwe. Asi mamwe mabhangi achiri kushamwaridzana kubvumira vatengi kuti vavhare pasi maakaiti unilaterally, saka vanoda mvumo kubva kune mumwe nomumwe weimba yebhuku kuti agadzire chikumbiro chako. Kana iwe wakavhara kero yako nekudaidza muridzi wega wega wega wepa akhawunti kuti avabhadhara mari, zvidzidzo izvi zvinogona kushanda kune mamwe mabasa ebhuku zvakare.
Nzira yekukumbira nayo: Zvakare, mazano ebhangi anonyora kuti iwe unoda sei kutumira mirairo.
- Online uye mapurogiramu: Dzimwe mabhangi dzinokubvumira kuvhara ma joint account paIndaneti, zvichida kuburikidza nehutachiona hutsika kana nekunyora kune Customer Service paunenge uchishandiswa kuAtabhenakeri yako.
- Meseji: Mamwe mabhengi anotora mirayiridzo mukunyora (pamwe chete kana zvimwe zvinyorwa zvepakutanga zvinodiwa).
- Nharefonyo: Zvingave zvichikwanisika kudana mutariri wevashandi uye kuvhara account yako nemashoko.
- Mune munhu: Inonyanya kudiwa-iyo inenge iripo kune dzimwe mabhanga-ndeyokuti vese vatenzi venyaya vanofanira kushanyira bazi mumunhu kuti vvhare account. Kana zvakadaro, iva nechokwadi chekuunza chipikicha chemufananidzo uye kubvumira nguva yakawanda yekuzadzisa iyo nzira.
Mabhenji epaIndaneti anowanzova nyore nyore kushanda nawo, uye mabheji emagariro anowanzoita kuti vatevedzeri vekambani vose vaonekwe pachavo. Somuenzaniso, zvose Ally Bank uye Capital One 360 vanobvumira chero muridzi webhengi kuti vvhare akaunti yakajowa-uye iite paIndaneti.
Nhanho-Nhanho Mirayiridzo
Kuvhara nhoroondo kunogona kuva nemigumisiro. Kana zvinhu zvichienda zvakashata, iwe unogona kukanganisa mari, kubhadhara cheki, uye kubhadhara mari isingakoshi. Kuti udzivise kushamisika kupi zvako, tevera iyi tsanangudzo yakazara yekushandura mabhenji . Sezviri muchidimbu, unofanirwa ku:
- Tora ibhadharo yako yekero kusvika zero. Dhipatimendi mari yekugadzirira kukanganisa chero kupi zvako, kana kusarudza kuti ungada sei bhangi rako kuti riparidze chero mari yakasara munhoroondo pakapera. Mabhangi anogona kutengesa mari nemeseke checks, kana iwe unogona kutora mari yacho iwe pachako .
- Rega zvose zvisizvo. Idzivisa mari inodhura pamusoro pekubhadhara mari uye kunonoka pakuvhara kero yako. Iva nechokwadi chekuti cheki dzose dzakatarisa dzakagadziriswa, uye dzinosunungura chero zvikwereti zvebhadharo. Tsvakurudza mumakore 12 akapfuura emabasa kuitira kuti usakanganwa chero chinhu. Dzorera debit makadhi uye checks zvakabatanidzwa nekambani yekudzivirira zvikanganiso.
- Tsvaga gwaro rako idzva rakagadzirira. Iva nechokwadi kuti uri kukwira uye unomhanya neimwe kondomu. Iwe uchada kukwanisa kubhadhara, kubhadhara mari, kubhadhara zvikwereti , uye kuchengetedza mari.
- Bvunza bhangi rako kuti rivhare account yekare. Zvakare, ona kuti ndezvipi zvinodiwa-ndiani anogona kukumbira kuvhudzirwa, nzira yekukurukura chikumbiro chako, nezvimwe zvakadaro.
Dzivisa Matambudziko Apamutemo
Nemhaka yokuti muridzi wega wega wega wega anokwanisa kuwana 100 muzana yemari mubhengi rekubhengi rebhangi, chero ani zvake anogona kubvisa account pasina mvumo kubva kune vamwe vadzidzisi vebhuku. Izvozvo zvinogona kukonzera matambudziko nenzira dzakawanda:
- Iwe unogona kunge usina kodzero yepamutemo yemari yaunotora, kunyange bhenji rako richikupa simba rekubvisa mari uye yevha yakavha. Somuenzaniso, mutemo wekurambana ungareva kuti mari ndeyomumwe wawakaroorana naye.
- Imwe muridzi webhuku anogona kukonzera akaunti yako pasina ruzivo rwako. Kana iwe usina kuvimba nevatengi vako vekugovera, taura nemweya gweta kuti ukurukure maitiro ekuzvidzivirira iwe.
Kukurukurirana kunogona kufamba nenzira yakareba pakuderedza mitemo yako yepamutemo. Kana zvichikwanisika, kurukurai nzira yekuparadzanisa mari kubva kubhuku rakabatanidzwa kuitira kuti zvinhu zvirege kuwedzerwa.