Gadzirira Gadzirira uye Ita Zvaita!
Pasinei nokuti uri kuzarura kambani yako yekutanga kana makumi mashanu, chinangwa ndechokuita kuti basa ripedzwe nokukurumidza sezvinobvira uye enda kune zvimwe zvinhu zvinonakidza pane zvaunofanira kuita.
Iro zano riri pasi apa rinofanira kukubatsira iwe kumuka uye kumhanya zvakananga.
Iva Nechokwadi Kuti Unozarura Aunti Yakarurama
Kushandura mabhenji uye kuzarura nhoroondo itsva hazvisi nyore , saka iva nechokwadi chokuti unongofanira kuzviita kamwe chete. Tsvaga nemhando dzakasiyana dzeakaunti uye sarudza izvo zvinosangana nezvido zvako.
- Nhoroondo dzekuchengetedza dzakanakisisa pakubata mari nekuwana zvishoma zvekufarira. Iwe haugone kushandisa mari kubva kune iyo maakaiti (kunze kwekuti iwe ubvisa mari), asi iwe unogona kutumira mari kune chekuongorora chekushandisa mari.
- Kuchengeta maakaunti ndezvokushandisa kwezuva nezuva nekubhadhara zvikwereti. Kunyange kana usati wambonyora cheki, unofanira kuwana kadhi yebhadhiro yaungashandisa paIndaneti uye muzvitoro. Uyezve, mabheji anofarira kuunganidza mari kubva kuongororwa maakaunti, uye wako waunoda angada kutumira mubhadharo wako kune chekuita chekuongorora.
- Mariko yemari yemari inokuita kuti usanyanya kushandisa mari paunenge uchibhadharawo kufarira-kazhinji kupfuura iwe waunowana muakaunti yekuchengetedza.
- Zvitatimiti zvepaiti (CDs) zvinoshandiswa nemari zvausina kuronga kushandisa chero nguva pfupi-mwedzi mitanhatu-uye kuti unoda kuchengetedza mubhangi
- Nzvimbo dzepaIndaneti-dzinongova dzakashata pane zvingashata, asi iwe unoshaya zvimwe zvebatsiro rebazi rekuita-uye-rekare . Iwe unogona kushandisa nguva dzose maakaunti eIndaneti uye zvidhinha-uye-zvinyorwa zvenyaya.
Kusiyanisa zvinhu: Zvikwereti zvakawanda uye zvikwereti zvezvikwereti zvinopa zvinhu zvakafanana, kusanganisira mabhuku ekuongorora nekuchengetedza. Pane zvishoma zvinyorwa zvinogona kuita kusiyana pakati pebhangi raunoda kuputsa naro uye rimwe raunosungirirana naro kwemakore, saka sarudza kuti zvinhu zvipi izvi usati wasarudza pabhangi.
Iva nemari-yekuziva: Mari inowanikwawo inokosha zvakare. Zvakaoma kuvaka mari kana iwe uchibhadhara mari yakawanda kubhengi yako-uye iwe unongonzwa uchitya. Kuongorora pachena hakuna kufa . Ziva ruzivo nemari yakawanda yebhangi (uye dzidza kuti ungazvidzivirira sei).
Chengetedza kutanga: Zvechokwadi, iwe unongoda kubhengi apo mari yako inodzivirirwa ne FDIC yunivhesiti (kana kuti chinyorwa cheNCUSIF kana ukashandisa chikwereti chikamu).
Zvaunoda Kuzarura Aunti
Iyezvino zvawakasarudza kambani yakakodzera, inguva yekuzadzisa shanduro. Muzviitiko zvizhinji, izvi zvinogona kuitwa zvakakwana paIndaneti . Zvisinei, mamwe mabhanki anoda kuti iwe ushandise chikwangwani (kana kuti kwete kadhi rakasimudza) uye uinyorere mukati. Nevamwe, iwe ungada kushanyira bazi mu-munhu.
Wana zvinhu zvinotevera zvakakosha zvekushanda kwako (iwe unoda kuti izvi zviitike mune rimwe ruvara kuitira kuti uende mberi kune zvinhu zvinokosha kupfuura zvimwe):
- Social Security Number (SSN) kana imwe Nhamba Yokutsvaga Mutero (TIN)
- Zuva rokuberekwa (ona pasi apa kana uri pasi pemakore 18)
- Kero yako yepanyama (unogonawo kushandisa kero yakasiyana yeposi, asi kero yemuviri / yemugwagwa inotarisirwa pasi pemutemo wemutemo)
- Chizivo (chikwata chekufambisa, pasipoti, kana imwe humwe hurumende yakabudiswa)
Iwe unogonawo kudikanwa kwechipiri yeAID. Taura nebhangi yako kana kuverenga kuburikidza nemagwaro ezvimwe zvidikanwa.
Pasi pema18? Kana uri pasi pemakore gumi nemasere, iwe unoda mumwe munhu anopfuura makore gumi nemasere ekuzarura kambani newe . Iwe unogona kunge uchikwanisa kushandisa kadhi yebhadhiro uye kubhengi kwebhengi, uye iwe unogona pakupedzisira kuwana dhaka rako. Asi mabhendi anoda angave munhu mukuru pane imwe nhoroondo kuti uite iwe. Nebhengi mamwe, haafaniri kuva mubereki-chero munhu mukuru anovimbwa achaita.
Nhoroondo dzekubatana : Kana uzarura nhaurirano yenyaya ipi zvayo, iwe unoda ruzivo rwemunhu wese kune avo vanochengetedza mabhuku uye sachiratidzo kubva kune umwe neumwe wavo.
Zviri nani kuti munhu wose aungane pamwe chete munzvimbo imwe chete kuti apedze chigadziro.
Pakutanga dhipatimendi: Iwe unodawo kubhadhara kero yako. Kumbira bhanki rako kuti zvishoma ndezvei kuti uzarure account. Pakati pezvikwereti zvakawanda, ndeye $ 5 kusvika ku $ 25. Pamabhengi eIndaneti, kazhinji kazhinji hausi madiki ekutanga. Mukuwedzera pane zvishoma kuti uzarurire, tarisa uchienderera mberi uchienzanisa zvido zvezvinodiwa, izvo zvingaguma nemari yemwedzi . Kuti uite mari yako yokutanga, iwe unogona kuuya nemari mu-munhu, nyora cheki ku-akhawunti, urichengetedze nebhadhidhi yebhadhiro, kana kubatanidza nebhadhiyo yakasiyana yebhengi yekuendesa kwepamagetsi pakati pemabhengi .
Mishandirapamwe dzekodzero: Zvikwereti zvekwereti zvakafanana nemabhengi , asi ivo "nhengo" kana kuti makambani ane zvikwereti. Kuti uzarure chikwereti chebhengi rekubhadhara, iwe unofanirwa kukodzera nekugovana chimiro nemamwe nhengo muboka. Izvozvo zvingava guta raunogara mauri kana yebhizimusi raunoshanda naro. Ingokumbira masangano emakero emunharaunda kuti chii chinotora kuti uve nhengo, uye ivo vachatsanangura. Zviri nyore kudarika iwe unogona kufungidzira kuti uwane chikwereti chikuru chezvikwereti.
Makambani ezvokweretesa akafanana nemabhengi maererano nemitengo uye maitirwo anopiwa, uyewo ane federal inshurensi yeruzhinji. Nheyo dzeNational dzine mabhuku akawanda uye maATM, asi kunyange zvikwereti zviduku zvingakushandirai munyika yose pamwe nekugoverana branching . Kuti uwane mamwe mashoko pamusoro pemakambani emakwereti, ona kuti anoenzanisa sei nemabhengi .
Bhuku rebhizimisi: Kuzarura kambani yebhizimisi, iwe uchada mamwe magwaro nekuda kwehuwandu hwebumbiro. Somuenzaniso, ungada magwaro ane chokuita nekuumbwa kwebhizimisi rako (zvinyorwa zvekubatanidza, somuenzaniso) uye kusarudza kwekambani kugamuchira bhengi idzva rebhangi. Cherechedza kuti mabhenji anowanzova nezvikwereti zvakasiyana-siyana zvebhangi, saka unogona kutengesa kune imwe nzvimbo yebhizimisi risingabhadhari. Kuti uone mazano, ona Sei uye Kuti Ungasvinudze Sei Bhizimisi Checking Account .
Nhoroondo Yenyu Yezvemari
Iwe hauna hanya nhoroondo yakachena yebhangi yebhangi yebhangi, asi inobatsira. Mabhandi mazhinji anotarisa chikwereti chako kuti aone kana wakanga uine matambudziko ekubhadhara chikwereti munguva yakapfuura. Izvi zvinowanzoonekwa kuti "zvinyoro" zvinokwevera zvisingakuvadzi chikwereti chako-asi zvakanakisisa kubvunza kana iwe unonetseka. Iwe hausi iwe unoda chikwereti chakanaka kuwana bhadha yebhangi, asi kuva nechikwereti chakaipa dzimwe nguva kunotungamirira kukuramba. Kana zviri izvo kwauri, tarisa mumadhikiti ekubhadharwa kubhadharwa sekusimudzira kwekambani bhadha yebhangi, uye kuvandudza chikwereti chako kuitira kuti iwe ugone kushandisa marenda chaiwo mumakore mashomanana.
Kana iwe wakanga uine matambudziko nekuongorora maakare kare munguva dzakapfuura zvakadai sekudzokorora bounced checks nemiganhu isina kunaka, unogona kunge wakaoma nguva yokuvhura account. Mabhanki chengetedza zvinyorwa zvakadai seKexSystems kusarudza kana kuti kwete kuzarura maakaunti. Kana uine zvinhu zvisina kunaka mu ChexSystems yako inoshuma, iwe uchada kutsvaga mabhangi anopa "chitubu chechipiri" nhoroondo.
Zvimwe zvinhu kubva munhoroondo yako zvinogona kana kuti zvingasava dambudziko. Kana iwe wakatongerwa mhosva, zvinoenderana nerudzi rweefony uye bhangi. Semuenzaniso, zvemhosva dzemari (zvakadai sekubhadhara mari) zvinogona kukudzivirira kuti urege kuwana kambani, asi mamwe mahedheni angave asina basa.
Up uye Running
Pane imwe nguva iyo nhoroondo yako yakazaruka, ita kuti zvinhu zviitike zvakanaka sezvinogona iwe:
- Rongedza zvinyorwa kana maziso e-mail ekukuzivisa iwe kana mabhadharo e-akhawunti yako ari kushanda pasi kana kuti kubvisa zvikwereti kukunda kero yako.
- Chengeta kero yako nguva dzose. Kupa zvikanganiso uye kukanganisa nokukurumidza kuchakubatsira iwe kushandisa zvakakwana mitemo yekuchengetedza vatengi .
- Gadzira purogiramu yemari inowanikwa paInternet kuitira kuti iwe unogona kubhadhara zvikwereti panguva (uye zvine simba).
- Isa gwaro rakananga kubva kune waunoshandira kuitira kuti usafanirwa kumirira zvikwereti uye uende navo kubhangi.