Unonyatsoda kunyora cheki here? Vakapinda muzvikwereti kwemakore, asi mazuva ano apo haisi nzvimbo dzakawanda dzaunenge uchida kunyora cheki. Dzimwe nzira dzakachengeteka, dziri nyore, dzakakura, uye dzinodhura. Ngationei kuti nei iwe uchifanira kuedza kusambofa wakanyora cheki zvakare.
01 Online iri nyore
Kana uchida kubhadhara zvikwereti, nei uchinyorera cheki? Uine mhando shomanana machechi, chebha yako ichava munzira inoenda kune waunopa mupiro wako - hapana kutumira mapepa anodiwa.
Kana ukavada ivo (uye iwe pachako kuti uwane mari yakakwana), unogona kuvabvumira kuti vabvise mari yacho pakarepo apo mutero unenge wakakodzera.
Ko kana iwe uri pazororo uye ukanganwa kubhadhara chikwereti? Hazvina matambudziko: ingopinda nekodhi yako, kubhadhara chikwereti, uye rega bhanhire ritarisire zvimwe.
Iwe uri kutarisa pakombiyuta yako ikozvino - inguva yakawanda sei uye simba romuviri zvingatora kutora uye kutumira cheki?
Mazano ekuInternet Banking:
02 Chengetedza Mari
Deredza mikana yekugumbusa mari yebhangi nekuchengetedza mabhii pedyo nekambani yako yebhangi.
Kana iwe ukanyora mapepa anoongorora, zvakaoma kuchengeta. Kana iwe uri kubhengi paIndaneti, uri pamusoro pezvinhu nguva dzose paunopinda mauri. Zvose ruzivo rwaunoda pamusoro pekuongorora zvakajeka uye nhoroondo yebhuku iri pamberi pako. Bhengi yako inogona kukubatsira kuti uenzanise kuongorora kero yako kuburikidza nekuderedza yako 'inowanikwa' mubhadharo wamabhadharo wawakabhadhara paIndaneti - kunyange kana mupiro asina kuisa cheki.
Kana iwe uchizviwana iwe uchibhadhara mari yepamusoro, funga kuita zvakawanda paIndaneti (iwe unofanirwawo kutarisa bhajeti yako uye kuwana mhirizhonga yekwereti yechikwereti).
Kutaura nezvekuchengetedza mari, iwe unofanirwa kubhadhara iyo cheki kana iwe uchivaraira, uye iwe unofanirwa kuribhadharira kutumira mapepa paunotumira mabheji ako mukati. Chengeta mari iyo mubhangi.
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03 Rega Kukanda Checkbook Yako Yese
Kana ukashandisa dzimwe nzira kuti uongorore, iwe unogona kumira kutakura bhokisi rako rekupoteredza. Iwe unogona kushandisa kadhi yebhadharo, kadhi rechikwereti, kana kuti mari kuti ubhadhe.
Kutakura bhokisi rinotsanangura zvinowedzera zvakawanda uye ngozi yakawedzerwa. Kana bhokisi rako rakarasika, iwe unofanira kuzivisa bhangi uye uchengete ziso rakananga kunze kwekubiridzira. Kunyanya iwe unofanirwa kudzorerazve kuongorora. Kana ukatakura bhokisi rako pose pose uchienda iwe uri kuwedzera mikana yekushushikana.
Kadhi yebhadhiro ichawana mari imwechete kubva kuongororo yako yekuongorora, asi inotora nzvimbo shoma. Zvinogamuchirwa zvakanaka kwose kwose mumazuva ano, uye iwe zvichida unotakura newe iwe zvakadaro.
Iwe uchachengetedza mari pakudzokorora cheki, uye iwe uchachengetedza nguva pakero ye checkout.
Kune vamwe vanhu, zvinonzwisisika kutakura chinyorwa chisingabatsiri, asi unogona kuwana zvakawanda zvakaitwa pasina cheki.
Debit Card Tips:
04 Usambofungisisa Checking Accounts on Paper Again
Kuenzanisa kutarisa maakaiti ibasa. Vamwe vanhu vanoita zvakanaka kuburikidza nekuenzanisa nhoroondo yavo nguva dzose pavanonyora cheki-pamberi pechirier. Zvisinei, vanhu vazhinji havaiti kana vasingadi.
Iwe haufaniri kuenzanisa kuenzanisa bhuku rako rekuongorora nereji rekuongorora rekare. Kana iwe ukanyanya kubhengesa paIndaneti, pane zvakawanda zvavanoita zvinhu zvose kwauri. Vacharatidza chero zvakatarisira kutengeserana, nhoroondo yako yebhuku, uye yako mari yakawanikwa yekuregera. Iwe unogona kutengesa zvinhu zvose kune yako yaunoda mari yepurogiramu purogiramu kana iwe uchida.
Chengetedza inki, pepa, uye pfungwa dzepfungwa: regai makombiyuta aite basa racho.
05 Kunyora Cheki Kunotora Nguva
Kunyora cheki ndiyo nzira yekushanda-yakaoma. Iwe unofanirwa kuvabata, nyora zvinhu zvose zvakakodzera, kuzadza nhamba, uye chesaini. Zvadaro iwe unogona kugovera ID uye kuwedzera mamwe mashoko ayo cashier anoda. Tariro, hapana munhu anokutevera ari kukurumidza.
Iwe unogona kufamba nekukurumidza kuburikidza uchishandisa kadhi Debit. Paunenge uchibhadhara zvikwereti, iwe unogona kuwana zvikwereti zvakabhadharwa nokukurumidza paIndaneti - nekanganiso shomanana, uye nemari yakaderera (ona mapeji apfuura mamwe mashoko).
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06 Akambonzwa "The Check in in the Mail"?
Tsamba yacho ndeyechokwadi. Zvisinei, kutarisa kungoita sekutama kuburikidza nehurongwa zvishoma nezvishoma dzimwe nguva. Dzimwe nguva vanotadza kurasikirwa.
Cheki yakarasika inogona kuva nengozi. Nhoroondo yeAll yako (iyo nhamba dzemaoko ari pasi pe cheki imwe neimwe) dzinogona kuguma nemaoko asina kururama.
Cheki inogona kurasikirwa kana kukanganisa mukufambisa, kune mutengesi, kana kubhangi rako. Kunyanya kuongorora iwe unonyora, zvakanyanya kukanganisika kwechinetso.
Kubhadhara zvikwereti zvemagetsi uye kushandisa bhadha / kadhi rechikwereti kunoderedza mikana yechinetso. Iwe unogonawo kuwana zvakawanda zvakasununguka zvekutengesa vatengi nekushandisa kadhi.
Pakupedzisira, unofanirwa kuenzanisa mabhodhi ako pachako paunoshandisa mapepa chekuongorora. Kana iwe uchibhadhara pakombiyuta, bhagheni inowanzoita basa iroro iwe.
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07 Kurindira Checks
Kana iwe uchiramba uchinyora cheki, iwe unongoda kuraira zvimwe. Izvozvo zvinodhura mari, uye iwe unofanira kumirira kutumira. Mukuwedzera, uri kuisa dambudziko kumamiriro ezvinhu (ona peji rinotevera kuti uwane mamwe mashoko). Kana iwe uchibhadhara zvikwereti zvemagetsi uye uchishandisa kadhi yebhadhiro, unogona kuchengetedza cheki kune avo vashoma maitiro apo cheki chekuongorora rinodikanwa. Zvizhinji zvekubhadhara kwako kwepamwedzi uye kwezuva nezuva hazvipindi mune izvozvi.
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08 Kunyora Cheki = Kuderedza Zvinhu
Checks inoratidzika sekidiki mapepa, asi kunyora checks kunoshandisa mamwe masimba kupfuura kubhadhara paIndaneti nekushandisa debit makadhi. Checks inogona kudya zvisikwa zvepanyama munzira ipi neipi iri pasi apa pavari:
- Yakanyorwa uye yakatumirwa kwauri
- Akaiswa mubhadharo yekubhadhara zvikwereti
- Kuparadzwa (kana kushandiswa zvakare) nebhangi uye zvikwereti
Kushandisa cheki kunoreva kuti unofanira kushandisa:
- Pepa neinki kuti uzvigadzire
- Mafuta, migwagwa, uye kupfeka-uye-kusvimha kuti vaende
- Nguva yevanhu nesimba kuti vashandise
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