Mutsara wechikwereti nokuda kwekodha yako yekuongorora
Chero mari ipi yaunoshandisa inopiwa sechikwereti chakakwana kubva kubhangi rako, saka iwe uchabhadhara chikwereti pamari yaunokwereta.
Zvisinei, mhirizhonga yemigwagwa yekwereti inowanzosvitsa kudarika mapurogiramu ezvokuchengetedza zvebhadhiro , iyo inowanzotengesa kudarika madhora makumi matatu nemakumi maviri ega yega yega yekutengesa iyo inotora account yako.
Rimwe rekubhadhara mari yechikwereti rinopa imwe sarudzo yekudzivirira overdraft, asi kune zvimwe zvisarudzo. Yeuka kuti kuchengetedzwa kwepasitoriki kunosarudzwa kuitira kuti iwe usingadi kuwedzera chero chinhu kuakaunti yako asi bhangi rako ringave richiripira mari kunyange iwe usati wambosarudza kuti uwane huwandu hwekuwedzera.
Mari Yokuti Urambe Uchibhadhara
Nguva dzose yakanakisisa kuchengetedza mutsara wemari mukutarisa kwekombiki yako, asi dzimwe nguva kukanganisa uye kushamisika kunokutadzisa uye zvakanaka kuti uve nechirongwa chezviitiko izvi. Kana kukona kwako kwekamberi kuchioma, mhedzisiro ichabva pamhando dzezvikwereti zvakakunda konti yako, uye kuti sei akaunti yako yakagadzirirwa.
Kushandiswa kwekadhi rimwe chete- kadhi: Kana ukashandisa kadhi yako yekutengesa kwezuva nezuva kana kutengesa kweATM, bhanki yako inogona kungoramba mutengesi chero bedzi iwe usina kumbosarudza-kupinda kune chero rudzi rwekudzivirira overdraft seyodhidhi yepamusoro chikwereti, somuenzaniso.
Kana zvakadaro, iwe unogona kushandisa nzira yakasiyana yekubhadhara kana kungoita pasina. Zvisinei, kana wakasarudza-kupinda kune imwe rudzi rwekudzivirira overdraft, iwe uchishandisa basa iroro.
Kubhadharwa kwepakutanga: Kubhadharwa mabhiriyoni emwedzi unobaya kero yako neACH zvingangodaro ichishandiswa nebhangi rako, kunyange kana gwaro rako rekutarisa risina chinhu.
Mune zviitiko izvi, iwe unogona kubhadhara mari yekusakwanira mari , zvakare, kazhinji inenge inenge madhora 35, kana iwe uchishandisa imwe nzira yekudzivirira overdraft.
Checks: Hungu, vanhu vachiri kunyora cheki. Kana iwe ukanyora cheki yemari yakawanda kudarika inowanikwa munhoroondo yako, bhanhire rako ringagona kana kuti risingaregi cheki kuti ipinde. Zvakare, kana iwe uchitora nguva yakawanda yekudzivirirwa, ichavhara cheko chero bedzi mari yacho iri mukati memiganhu. Kana zvisingaiti, bhenji yako inogona kubvumira cheki kuti iwedzere, zvichiguma nemari yakawanda uye misoro .
Pitfalls
Anowedzera mari yekwereti isiri kudhura kudarika kuchengetedzwa kwetsika yekare, uye inokubvumira kuti urambe uchishanda mumamiriro ekukurumidza. Asi zvinokuvadza kuvimba chero ipi zvayo yekudzivirira overdraft. Bhengi yako ichakugumisa kana iwe uchiishandisa kakawanda, uye iwe uchabhadhara mari yakawanda kupfuura iwe unoda. Zvakanakisisa kuenzanisa nhoroondo yako , uye kunyorera mazano kuitira kuti uzive kana uri kutsika pasi pamari.
Mariro: Overdraft mitsara yechikwereti, asi isingadhuri, haisi yekusununguka. Iwe unofanira kubhadhara chikwereti pamari yaunokwereta . Kana iwe uchingokwereta kwezuva kana maviri, mari inofanira kuva yakaderera zvikuru. Asi iwe unogonawo kubhadhara mari shoma nguva dzose iwe paunopinda mukati mechikwata chekubhadhara mari yechikwereti, saka kana iwe uchiwedzera kushandisa iyo zvinowedzera iwe.
Izvo zviitiko-zvichiitika zvinogona kunge zvichange zvakapoteredza madhora mashanu. Pakupedzisira, mamwe mabhangi anotora mari ine mwero yegore negore kuti uchengetedze basa iri paakaunti yako.
Mienzaniso: Kazhinji haisi mimwe mitemo yakasimba yekuti ingani iwe unogona kushandisa rinodarika mari yechikwereti, asi mabhangi haashamisi pamusoro pevatengi vanowishandisa kakawanda, uye vangazopedzisira vavhara account yako. Iko kazhinji kacho kudhora kwemadhora pamutsara wechikwereti kukudzivirira kubva pakukwereta zvakanyanya. Zvichienderana nechikwereti chako uye zvingadiwa, iwe unogona kuchengetedza chikwereti chekwereti chemadhora mazana mashanu kana $ 1 000, kunyange zvazvo mamwe mabhanga anopa mitsetse nekwereti yekwereti kusvika kusvika $ 10 000.
Zvimwewo: zvakare, pane zvimwe zvingasarudzwa. Kana hurukuro yako huru iri kupfuura overspending nekhadhi yako yebhadhiro, unogona kungosarudza-kunze kwekuchengetedzwa kwerefredraft. Bhengi yako icharamba kadi yako, uye iwe unogona kuwana imwe nzira yekubhadhara.
Bhengi yako inogona kukubvumirawo kugadzirisa kutumirwa kubva ku-akhawunti yako yekuchengetedza - pane kubhadhara mari yebhangi iwe uchishandisa yako pesa mari. Mari yekubhadhara mari inowanzofanana (iwe unogona kuiisa kuitira kuti mari yako yekuchengetedza ishandiswe usati waita chikwereti kubva kune mutsara wechikwereti).
Kuwana Anodarika Mutsara Wechikwereti
Kuti usayinese kune mhirizhonga yekwereti yekwereti, taura nebhangi rako. Iva nechokwadi chekubvunza pamusoro pezvimwe zvese zvinoshandiswa, zvakadai sekuchengetedzwa kwekodhesi, nekuzoziva nemari. Kana kangova paakaunti yako, shandisa zvishoma zvingaita.
Muenzaniso
Iwe hauna mari mukutarisa kwekambani yako, asi mamiriyoni mashoma mhosva akarova account yako: $ 5, $ 6, uye $ 7. Iwe uri pfupi nokuda kwehuwandu hwe $ 18. Bhengi yako inogona kutengesa mari yepamusoro ye $ draji ye $ 35 imwe neimwe, imwe yezvinhu chimwe nechimwe. Ndiyo $ 105 mumitero yekuvhara $ 15 muzvikwereti.
Nekubhadhara mari yekwereti yekwereti, iwe unogona kubhadhara $ 18 kubva kumutsara. Bhengi inokupa chikwereti kune chikwereti pamutengo wakaenzana nemakadhi emakwereti, uye zvichida mari yakadai se $ 5 nechimwe chinhu chakavharwa. Iwe unotsiva chikwereti mukati memavhiki mashomanana apo mubhadharo wako unokanganisa kero yako yekuongorora. Mari inofarira inogona kunge isiri kudarika madhora kana zvimwe zvishoma zvinoda mari yezvishoma zvishoma, uye iwe uchabhadhara $ 15 mubhadharo panzvimbo ye $ 105 sezvaunenge uine nehuwandu hwekuchengetedzwa kweredraft.