Mari yebhangi inoshanda pahurongwa hwekuchengetedza apo mari inotamirwa kubva ku-akhawunti yako kuenda kune dzimwe nzvimbo, kufanana paunotenga chimwe chinhu muchitoro kana kubhadhara kudya kwemanheru. Uyezve, mari yako inogona kunge isina kuwanika iwe pakarepo, sezvo bhangi rako rinotarisira mari kuti igosiya chikamu chezvemari yeimwe chikamu ugosiya akaunti yako.
Kunyangwe zvikwereti zvako hazvibvumi kutorwa kubva pakero yako yekuongorora . Ichi ndicho chikonzero zvakakosha kuchengetedza kushandiswa kwekodhi kwekodha yako nguva dzose.
Kunzwisisa kuti Dzimba Dzakagadzirwa sei
Kana iwe ukaita mari, bhangi inokupa chikwereti chedhipiti. Asi muzvokwadi, cheki yacho inotumirwa kune imwe nzvimbo yekudzivirira nzvimbo uye inofanira kujekesa ipapo bhanhire rako risati rawana mari yacho. Kana cheki yacho ichibva kunze kwenyika, inogona kutumirwa kune imwe nzvimbo yekuchenesa mari isati yagadziriswa, uye inogona kutora kunyange yakareba kuti uende kubhangi rako.
Ichi ndicho chikonzero kana iwe ukaisa cheki chikuru kubva kunze kwenyika, bhangi ringaritora kusvikira mari inounganidzwa. Izvi zvinokudzivirira kubva pakushandisa mari yacho usati wawana. Uye dzimwe nguva cheketi haizojekeswi uye iwe uchada kubhadhara bhagheni shure kana iwe watotora mari yacho. Zvisinei, kune dzimwe nzira dzokudzivisa kubata kana iwe usingakwanisi kumirira mari, kunyange zvazvo mazano aya asingashandisi nguva dzose.
Checks Usati Wachenesa Aunti Yako Pakarepo
Saizvozvowo, cheki haisi kujekesa kero yako nguva yaunonyora nayo uye unovaendesa kubva kune tsamba. Kana mumwe munhu kana kambani akagamuchira cheki yako, vanofanira kuisa mubhangi ravo uye vamirira kuti mari irege kutorwa kubva kubhuku rako kuenda kune yavo.
Checks kazhinji inotora yakareba kudarika, uye iwe unogona kunge uine cheki dzakakosha kwemwedzi kana kupfuura. Ichi ndicho chikonzero kuti zvakakosha kuchengeta zvinyorwa zvakakwana zveongororo dzaunonyora, zuva, uye mari, saka haukanganwi nezve cheki uye overdraft account yako .
Zvibvumirano uye Kubviswa hazvirevi Kuratidze Kuratidza Zvakanaka Pamusoro
Saizvozvowo, kukanganisa uye kubviswa hakuiti nguva dzose kuratidzira munhoroondo yako. Dzimwe nguva, paunoshandisa kadhi yako yebhadharo panzvimbo itsva, kubata kwekamu kadiki kunoiswa paakaunti yako. Izvi zvinobata, izvo zvinowanzova madhora mashomanana, zvichabva kuvhara compte yako mumazuva mashomanana, ipapo mari chaiyo icharatidza.
Izvo zvinoenderana nebhizimisi kwawakashandisa kadi yako yebhadharo. Mutengesi uyo akagamuchira kadhi yako yekubhadhara inofanira kutumira mune zvekutengeserana kuitira kuti zvikwereti zviendeswe kwavari. Kunyange zvazvo vatengesi vakawanda vanoita izvi zuva rega rega, mamwe mabhizimisi maduku anogona kutora nguva yakareba. Kana izvi zvikaitika hurumende inogona kudonha mari yacho isati yabviswa kubva ku-akhawunti yako, uye mari yako yebhangi yebhangi ingati iwe une zvakawanda kupfuura iwe. Kana iwe usingachengetedzi maitiro ako chaiwo, unogona kugumisa overdrawing account yako.
Kunzwisisa Zvaunoita Zvechokwadi
Ndezvikonzero zvezvikonzero zvose izvi kuti iwe unofanira kuchengetedza chikero chebhadha yako yebhangi, uye usingaiti zvachose chikamu chaunowana paATM uye ufungisise kuti chakarurama.
Kuti uchengetedzere kuenzanisa iwe unongonyora zvaunoita iwe sezvaunofamba, ipapo unowedzera nekubvisa pazviri kubva muyeri yako kuitira kuti uwane mari yaunayo.
Iwe unogona kuita izvi nenzira yekare nemapeni uye pepa kana spreadsheet, kana mabanki akawanda ikozvino anopa maawa chaiwo-nguva, akadai sePNC Bank Virtual Wallet, iyo inoratidza kuwedzera kwekuonekwa kwekero yako.
Edza kuverenga mabheji ako chaiwo ebhengi pamagumo ezuva rimwe nerimwe, mazuva ose mashoma, kana vhiki imwe neimwe. Uye yeuka, kana iwe usingakwanisi kuchengetedza mararamiro, unogona kuguma kubhadhara rekodha yako uye uchibhadhara kune mabhanki ako uye vatengesi.
Uine dambudziko kuchengetedza kukwana kwekwereti yako nezvikwereti? Funga kushandura kunyanya kune mari yebhajheji yako . Nehuwandu hwebhajeti, haufaniri kushushikana nezvebhangi yako yebhangi zuva rega rega, asi ichiri chirevo chakanaka chekuchengeta mari inoshandiswa yemari yako iripo kugovera zvinhu zvakadai sekubhadhara mabhiriji uye kuongorora zvakanyorerwa kune zvivako kana nokuda kwezvikwereti zvisingagamuchiri mari.
Imwe bhonasi? Kana ukangotanga kutevera bhadha yako, iwe unogona kuve nekukwanisa kuongorora kushandisa kwako uye kubatisisa bhajeti yako .
Yakavandudzwa naRachel Morgan Cautero .