Mafomuwa amasiyana, koma masitepe ofunikira ndikuwunika macheke, kuchotsedwa kwa ATM, ma depositi odziwikiratu ndikuchotsa, ndi ma depositi ena omwe achotsedwa pa statement yanu. Zonse zomwe zatsala (zomwe sizinapezeke pachiwonetsero pano). Chotsani izi zonse kuchokera kumapeto komaliza kubanki / mgwirizano wanu wangongole ikuwonetsa.
Momwemonso, kodi muyenera kulinganiza kangati bukhu lanu la cheke? Dziperekeni pakulinganiza cheke yanu mlungu uliwonse, zomwe zingakhale zosavuta kuposa kuyesa kuchita kamodzi pamwezi kapena kucheperachepera. Kujambula zochitika tsiku ndi tsiku, ndiyeno kulinganiza kumapeto kwa sabata, kungathandize kuti dongosolo likhale losavuta komanso lopanda zolakwika momwe zingathere.
Kodi balancing checkbook ndi chiyani? Kodi kulinganiza cheke kumatanthauza chiyani? Kuti "kulinganiza cheke" - m'lingaliro lenileni komanso mwina lachikale - zikutanthauza kudzera mu statement yanu yaku banki ndikuwona zomwe mwachita ndi zomwe mwalemba mu kaundula wanu wa cheke.
Kodi ndikofunikira kulinganiza cheke? Kulinganiza cheke kudzakuthandizani kutsimikiza muli ndi ndalama zokwanira mu akaunti yanu kuti mulipirire zonse zomwe mwachotsa komanso zomwe mwalipira. Ndi njira yokhalira ndi mtendere wamumtima podziwa kuti cheke chanu sichingadutse kapena kirediti kadi yanu sidzakanidwa nthawi ina mukadzafika pamzere wotuluka.
Kachiwiri Kodi kuyanjanitsa cheke kumatanthauza chiyani? Kuyanjanitsa ndi njira yowerengera ndalama zomwe zimafanizira magulu awiri a zolemba kuti atsimikizire kuti ziwerengero zili zolondola komanso zogwirizana. Kuyanjanitsa kumatsimikiziranso kuti maakaunti omwe ali mu leja yayikulu ndi yofanana, yolondola, komanso yokwanira.
Ndi anthu ochuluka bwanji omwe amalinganiza mabuku awo a cheke?
Al si yekha. Malinga ndi StatisticBrain.com, 79 peresenti ya Sitisamala kapena kulinganiza kaŵirikaŵiri macheke athu.
ndiye N'chifukwa chiyani anthu ankalinganiza macheke? Kuyanjanitsa bukhu la cheke kumatanthauza kuti mwajambulitsa zonse zowonjezera (zosungitsa) zomwe zapangidwa ku akaunti yanu ndikuchotsa (zochotsa). Kusungitsa kulikonse ndikuchotsa kumatchedwa transaction. Cholinga cha kusanja cheke ndi kuti mudziwe kuchuluka kwa ndalama zenizeni zomwe muli nazo mu akaunti yanu yoyang'anira nthawi iliyonse.
Kodi ndimadziwa bwanji ngati akaunti yanga yaku banki ikuyang'aniridwa? Njira 5 Zomwe Mungadziwire Ngati Akaunti Yanu Yakubanki Yabedwa
- Malipiro ang'onoang'ono osafotokozedwa.
- Zidziwitso zosayembekezereka kuchokera kubanki yanu.
- Kuyimba komwe kumadzinenera kuti ndi banki yanu kumafuna zambiri.
- Zochita zazikulu zimachotsa akaunti yanu yakubanki.
- Mukudziwa kuti akaunti yanu yatsekedwa.
Kodi mumalinganiza bwanji chitsanzo cha cheke?
Kodi muyenera kusunga zolembera zamacheke nthawi yayitali bwanji? Mabuku a Checkbook Registers: Mpaka 10 Zaka
Sikuti ndi nkhani ya chaka chokha, koma ngati muzigwiritsa ntchito nthawi zonse, ndizomwe mumagula kapena ntchito zodula zomwe simunasunge malisiti. (Kuphatikizanso, awa ndi zolemba zomwe kulibe digito, kutanthauza kuti muyenera kuzisunga nthawi yayitali.)
Kodi mumagwirizanitsa bwanji akaunti yochezera?
Nawa njira zomalizitsira kuyanjana kwa banki:
- Pezani zolemba zaku banki.
- Sonkhanitsani mbiri yanu yamabizinesi.
- Pezani poyambira.
- Chonde tsimikizirani zowona za ma depositi anu a banki ndi zochotsa.
- Yang'anani ndalama ndi ndalama zomwe mumapeza m'mabuku anu.
- Sinthani ma statement a kubanki.
- Sinthani ndalama zotsalira.
- Fananizani miyeso yomaliza.
Chimachitika ndi chiyani ngati simukulinganiza akaunti yanu yoyang'anira? Mutha kukumbukira kulemba kuchotsedwa kwa ATM, koma osati ndalama zina zomwe banki yanu imakulipiritsa pogwiritsa ntchito ATM ya banki ina. Ndalamazi zitha kukhala zazing'ono, koma ngati simuziwerengera ndalama zanu, mutha kubweza ndalama zambiri ku akaunti yanu ndikulipira ndalama zambiri.
Chifukwa chiyani sindingathe kulinganiza cheke changa?
Ngakhale mutalemba ndalama zonse zomwe mumalipira muakaunti yanu, kuchotsera, macheke, ndi ma depositi anu mu cheke, ndalama zanu sizingafanane ndi ndalama zomwe zili patsamba lanu laku banki. Izi zitha kukhala chifukwa cha zochitika zomwe sizinalembetsebe kubanki yanu-kapena zitha kukhala zolakwika zomwe inu kapena banki mudapanga.
Kodi pali kusiyana kotani pakati pa kulinganiza ndi kuyanjanitsa?
Kuti mudziwe zambiri za momwe mungasankhire akaunti yanu, onani nkhani yomwe ili m'munsiyi, "Momwe mungasankhire cheke: Luso la anthu pawokha ndi osungitsa chuma a 4-H." Kuyanjanitsa ndi mukayerekeza zomwe banki ikuwonetsa ngati zochitika ndi zomwe inu, mwini akaunti, mudalembapo kuti mugulitse.
Kodi mumapanga bwanji kugwirizanitsa cheke? Kuti muchite izi, yambani ndi ndalama zomalizira zomwe zalembedwa pa sitetimenti yanu yakubanki ndikuwonjezera ndalama zilizonse zomwe mudapanga kuyambira pomwe mawuwo adatulutsidwa. Kenako, chotsani cheke kapena ndalama zomwe mwatsala nazo. Chiwonkhetso chochokera kusitetimenti yakubanki tsopano chikhale chofanana ndi chiwonkhetso cha kaundula wanu wa cheke.
N’cifukwa ciani kugwilizana n’kofunika? Kuyanjanitsa zikalata zanu zakubanki kumangotanthauza kufanizira zolemba zanu zandalama zamkati ndi zolemba zomwe mwapatsidwa ndi banki yanu. Njira imeneyi ndi yofunika chifukwa imawonetsetsa kuti mutha kuzindikira zochitika zachilendo zomwe zimachitika chifukwa chachinyengo kapena zolakwika zowerengera ndalama.
Kodi Mint ali ndi kaundula wa cheke?
Mutha gwiritsani ntchito cheke kuti mulembe macheke mumalemba, kale banki yanu isanadziwe za iwo. … Ndi nambala ya cheke, Mint.com idzakuyanjanitsa cheke yanu ndi akaunti yanu yakubanki, banki ikangokonza chekecho.
Kodi kulinganiza akaunti yanu yoyang'anira kumatanthauza chiyani? Kuyang'anira akaunti yanu kumatanthauza kuwonjezera ma debit ndi ma kirediti onse (madipoziti ndi zochotsa), kenako ndikuwonjezera zotsatira pa chiyambi cha chiganizo chanu.
Kodi macheke amagwira ntchito bwanji?
Kuchita ngati ndalama yosinthira, macheke mu bukhu la cheke amaperekedwa kwa wogulitsa kuti agule katundu kapena ntchito. Wolandira cheke amaikamo mu akaunti yawo ndipo chekecho chikatuluka, ndalamazo zimasamutsidwa ku akaunti ya wolandila.
Kodi ndimabweza ndalama zanga ngati akaunti yanga yaku banki yabedwa? Banki yanu iyenera kubweza ndalama zilizonse zomwe zidabedwa chifukwa chachinyengo komanso kuba. Ayenera kuchita izi mwachangu momwe angathere - pofika kumapeto kwa tsiku lotsatira mutafotokoza vutolo.
Kodi wina angayang'ane ndalama za akaunti yanga yaku banki?
Wothandizira ku banki amakuthandizani ku banki akhoza kuona ndalama zanu za banki pamene akukuthandizani pa zosowa zanu kubanki. … Chilolezochi chikaperekedwa, adzakhala ndi mwayi wopeza mabanki mu akaunti yanu yakubanki.
Kodi banki ingayimitse akaunti yanu pazinthu zokayikitsa? Mabanki amatha kuyimitsa maakaunti aku banki ngati akukayikira kuti pali zinthu zosaloledwa monga kubera ndalama, kupereka ndalama zauchigawenga, kapena kulemba macheke oipa. Obwereketsa amatha kukufunani chiweruzo chomwe chingapangitse banki kuyimitsa akaunti yanu. … Fufuzani ndi banki yanu kapena loya wanu momwe mungachotsere kuzimitsa.