Muchiripi kubhadhara mari yefreedraft
Nenzira imwecheteyo, kunyange zvazvo iwe wakaramba kuchengetedzwa kwebhadhiro, bhanki yako yakangokubhadhara uye yakakupa mari ye $ 35 chero zvakadaro.
Kubvira muna 2010, mabanki anodikanwa kuwana mvumo yako yekupa kuchengetedza overdraft ku-akhawunti yako . Kare zvisati zvaitika, iwe waive nazvo kana iwe uchida kana kwete. Iye zvino, panzvimbo yekusarudza-kunze, unofanirwa kusarudza-kubhengi kubhengi iwe mari yekuvhara debit kadi kutenga, magetsi uye mapepa kutengesa kana iwe uri pfupi pamari.
Chirevo chekutevera mutemo we 2010 chaiva chekudzivirira "$ 39 latte," iyo yakaitika apo bhangi rako raitengesa $ 35, kunyange dai wakanga uine mashoma mashoma pfupi pakutenga kadhi yebhadhiro. Vanhu vakawanda, zvinonzwisisika, vangada kuwana nzira yakasiyana yekubhadhara, kana kungoita pasina ikhofi.
Mhando dzeMatambudziko
Kukwanisa kusununguka kwekuchengetedza kweredraft kunoshanda chete kune imwe nguva yekutengesa nebhadhiro yako yemari. Paunenge uchitenga kune mutengesi, kana iwe paunotora mari kubva kuATM, bhenji yako inowanzodzivirira mutengesi kana uri kunze kwemari, uye iwe hauchazobhadhara chero mari.
Asi mamwe maitiro ekutengeserana anogona kukonzera matambudziko. Mune zvimwe zviitiko, mutengesi uchagadziriswa kunyange iwe ukasarudza kubva pane kuchengetedzwa kwemari yepamusoro uye hauna mari iripo . Kana izvozvo zvikaitika, iwe uchabhadhara mari inenge yakangofanana nebhadharo rekubhadhara mari uye iwe uchada kuuya nemari yekuunza kubhadhara kwekodhi yako kumashure kwe zero.
Mune dzimwe nguva, bhenji yako icharamba mutengesi, asi iwe uchabhadharwa mari yekusakwanira mari .
Kubhadhara zvikwereti: Paunopinda kubhadharo yemagetsi, bhagheni yako inogona kugadzirisa zvikwereti izvozvo kunyange iwe usina mari yakakwana inowanika. Semuenzaniso, unogona kuva nehomwe yemari yebhodhi yemwedzi yakabhadhara pakadhi yako yebhengi, kana iwe unogona kubhadhara mari yemainishuwaimu mwedzi mumwe nomumwe zvakananga kubva pakero yako yekuongorora neACH .
Mitsara ne "chengetedzo": cheki zvichiri kushamisa zvinoshamisa, uye iwe unogona kubhadhara cheki kunyange iwe usinyora cheki iwe pachako. Bhengi yako iri paIndaneti mari yekubhadhara purogiramu dzimwe nguva kunyorera uye mairi kuongorora iwe. Kunyangwe iwe uchizviita nenzira yekare-kare kana kurega bhangi rako richigadzirisa, iwe unomira mukana wekukomberedza cheki . Chero imwe-chekuongorora iyo isiri iyo nguva dzose yemari yekubhadhara inogona kugadziriswa nebhangi rako, zvichiita kuti uchengetedze nhoroondo yakaipa uye mari yakawanda.
Tsvaga kuti bhenji yako inotarisira sei mamiriro aya. Bhengi imwe neimwe yakasiyana uye vamwe vanongoramba kubhadhara mwedzi mumwe nomumwe kana iwe uchinge wapera mari, asi vamwe vanovabvumira kuti vaende. Taura nebhangi yako uye bvunza kuti ndeapi mazano ari panzvimbo yekodha yako.
Kudzivisa Matambudziko
Kunyange zvazvo bhanhire rako risingaiti zvakawanda kubatsira, unogona kuita zvinhu zvishoma kuti usachengetedze mari.
Chengeta maakaunti ako kuitira kuti iwe ugare uchiziva kuti mari yakawanda inowanika. Kana uri kutsika pasi, iva nechokwadi chokuti hapanazve mari yaunotora iyo kambani kusvikira unogona kuwedzera mari, kana kutumira mari kubva kune imwe kero . Kana iwe uchienzanisa ne-akhawunti yako, iwe uchaziva kuti mari iri kuuya uye kubuda kunyange bhagheni rako risati raita.
Isai kune mazano anokuudza kana iwe uri kutsika pasi pamari kana kana checks inotanga kugunun'una. A quick text text or email can help you stop the bleeding.
Kana iwe usingagoni kukunda 'em, shandisa' em . Kubhadhara mari yepamusoro uye kusakwana kwemari madhura kunodhura, uye zvinowanzova zvakaoma kuvhara mari yako mwedzi unotevera. Iwe unofanirwa kupedza mukati mako, asi iwe unodawo kuderedza mari yebhangi. Kunyanya kana iwe uine mari mukuchengetedza asi kungosiya kukanganisa kwayo, ona kana bhangi yako inopa maitiro akadhura anodhura ekuchengetedzwa kwefredraft.
Iwe unogona kukwanisa kuwana mari yakanyorwa kubva kune mari ye $ 10, kana iwe unogona kubhadhara kunyange zvishoma neinotora mari yakawanda yechikwereti .