Iifomu ziyahluka, kodwa amanyathelo asisiseko kukujonga iitshekhi, ukutsalwa kwe-ATM, iidiphozithi ezizenzekelayo kunye nokutsalwa kwemali, kunye nezinye iidiphozithi eziye zacinywa kwingxelo yakho. Itotali yazo zonke iitshekhi ezingekahlawulwa (ezo azikafumaneki kwisiteyitimenti okwangoku). Thabatha oku iyonke ukusuka kwibhalansi ephela yibhanki yakho/imanyano yamatyala ibonisa.
Ngokufanayo, kufuneka ulungelelanise kangaphi incwadi yakho yetshekhi? Zibophelele ekulinganiseni incwadi yakho yetshekhi kwi rhoqo ngeveki, enokuba lula kunokuzama ukuyenza kanye ngenyanga okanye ngaphantsi rhoqo. Ukurekhoda ukuthengiselana imihla ngemihla, emva koko ukulinganisa ekupheleni kweveki, kunokunceda ukugcina inkqubo ilula kwaye ingenaziphene kangangoko kunokwenzeka.
Yintoni ukulinganisa incwadi yetshekhi? Kuthetha ukuthini ukulinganisa incwadi yetshekhi? Uku "bhalansisa incwadi yokukhangela" - ngentsingiselo yayo yokoqobo kwaye mhlawumbi yakudala - ithetha jonga isitatimenti sakho sebhanki kwaye ujonge intengiselwano nganye ngokuchasene noko ukurekhode kwirejista yakho yetshekhi.
Ngaba kuyimfuneko ukulinganisa incwadi yetshekhi? Ukulinganisa incwadi yakho yetshekhi kuya kukunceda uqiniseke unemali eyaneleyo kwi-akhawunti yakho yokuhlawula zonke iintlawulo zakho zokutsalwa kwemali kunye neentlawulo. Yindlela yokuba noxolo lwengqondo ukwazi ukuba itshekhi yakho ayisayi kubhampa okanye ikhadi lakho lebhanki aliyi kwaliwa kwixesha elizayo xa ukumgca wokuphuma.
Okwesibini Kuthetha ukuthini ukudibanisa incwadi yetshekhi? Uxolelwaniso yinkqubo yocwangciso-mali ethelekisa iiseti ezimbini zeerekhodi ukujonga ukuba amanani achanekile na kwaye ayavumelana na. Uxolelwaniso lukwaqinisekisa ukuba ii-akhawunti ezikwileja ngokubanzi ziyangqinelana, zichanekile, kwaye ziphelele.
Yeyiphi ipesenti yabantu ababhalansi iincwadi zabo zetshekhi?
Asinguye yedwa. Ngokutsho kwe-StatisticBrain.com, Iipesenti ezili-79 ze asifane okanye asifane silungelelanise iincwadi zethu zetshekhi.
kwakutheni ukuze abantu balinganisele iincwadi zetshekhi? Ukulinganisa incwadi yetshekhi kuthetha ukuba urekhode zonke izongezo (iidiphozithi) ezenziwe kwiakhawunti yakho kunye nokutsalwa (ukutsalwa kwemali). Idiphozithi nganye kunye nokurhoxiswa kubizwa ngokuba yintengiselwano. Injongo yokulungelelanisa incwadi yetshekhi yile ukwazi ukuba yimalini yokwenyani onayo kwiakhawunti yakho yokutshekisha nangaliphi na ixesha.
Ndazi njani ukuba iakhawunti yam yebhanki ibekwe esweni? Iindlela ezi-5 onokuthi uzixelele ukuba iakhawunti yakho yeBhanki igqekeziwe
- Iintlawulo ezincinci ezingachazwanga.
- Izaziso ezingalindelekanga ezivela kwibhanki yakho.
- Umnxeba othi yibhanki yakho ufuna ulwazi.
- Iintengiselwano ezinkulu zikhupha iakhawunti yakho yebhanki.
- Ufunde ukuba iakhawunti yakho ivaliwe.
Ulungelelanisa njani umzekelo we-checkbook?
Kufuneka uzigcine ixesha elingakanani iirejista zetshekhi? Iirejista zetshekhi: Ukuya kuthi ga kwi-10 iminyaka
Ayilobali lonyaka nje kuphela, kodwa ukuba uzisebenzisa rhoqo, sisalathiso sokuthengwa kwexabiso eliphezulu okanye iinkonzo ongakhange uzigcine iirisithi zazo.” (Ngaphezu koko, ezi zirekhodi ezingekhoyo ngokwedijithali, oku kuthetha ukuba kufuneka uzigcine ixesha elide.)
Uyidibanisa njani i-akhawunti yokutshekisha?
Nanga amanyathelo okugqiba uxolelwaniso lwebhanki:
- Fumana iirekhodi zebhanki.
- Qokelela iirekhodi zeshishini lakho.
- Fumana indawo yokuqalisa.
- Jonga iidipozithi zakho zebhanki kunye nokutsalwa kwemali.
- Jonga ingeniso kunye neendleko ezincwadini zakho.
- Lungisa iziteyitimenti zebhanki.
- Lungisa imali eseleyo.
- Thelekisa imilinganiselo yokugqibela.
Kwenzeka ntoni ukuba awubhalansi kwi-akhawunti yakho yokutshekisha? Usenokukhumbula ukurekhoda ukutsalwa kwe-ATM, kodwa hayi imali eyongezelelweyo ehlawuliswa yibhanki yakho ngokusebenzisa i-ATM yebhanki eyahlukileyo. Ezi ntlawulo zinokuba zincinci, kodwa ukuba awuzibandakanyi kwibhalansi yakho, ungagqibela ngokukhupha imali eninzi kwiakhawunti yakho kwaye wenze imali eninzi ngakumbi.
Kutheni ndingakwazi ukulinganisa incwadi yam yetshekhi?
Nokuba urekhoda zonke iintlawulo zeakhawunti yakho yokutshekisha, ukutsalwa kwemali, iitshekhi, kunye neediphozithi kwi-checkbook yakho, ibhalansi yakho isenokungangqamani nemali ekwisiteyitimenti sakho sebhanki. Oku kungenxa yentengiselwano engekabhaliswa kwibhanki yakho—okanye isenokuba yimpazamo oyenzileyo okanye ibhanki.
Uthini umahluko phakathi kokulungelelanisa nokuxolelanisa?
Ukuze ufumane isikhokelo sokulinganisa iakhawunti yakho, bona inqaku elihamba neli nqaku, "Indlela yokulinganisa incwadi yakho yokutshekisha: Isakhono somntu ngamnye kunye nonondyebo beqela le-4-H." Ukudibanisa ku xa uthelekisa into eboniswa yibhanki njengentengiselwano kwinto wena, umnini-akhawunti, oyirekhodileyo kwintengiselwano.
Uyenza njani i-checkbook reconciliation? Ukwenza oku, qala nge isiphelo semali eseleyo edweliswe kwisiteyitimenti sakho sebhanki kwaye wongeze naziphi na iidiphozithi ozenzileyo ukususela oko ingxelo yakhutshwayo. Okulandelayo, thabatha kuloo bhalansi naziphi iitshekhi ezingekahlawulwa okanye ukutsalwa kwemali. Itotali esuka kwisiteyitimenti sebhanki ngoku kufuneka ilingane netotali yerejista yetshekhi.
Kutheni kubalulekile ukuxolelana? Ukulungelelanisa iziteyitimenti zakho zebhanki ngokulula kuthetha ukuthelekisa iirekhodi zakho zezimali zangaphakathi kunye neerekhodi ozinikwe yibhanki yakho. Le nkqubo ibalulekile kuba iqinisekisa ukuba unokuchonga naziphi na iintengiselwano ezingaqhelekanga ezibangelwa burhwaphilizo okanye iimpazamo zokubala.
Ngaba iMint inayo irejista yetshekhi?
Unga sebenzisa itshekhi transactions ukurekhoda iitshekhi ubhala, kwakudala phambi kokuba ibhanki yakho iqaphele kubo. … Ngenombolo yetshekhi, i-Mint.com iza kuqhagamshelanisa ngokuzenzekelayo iitshekhi zakho ne-akhawunti yakho yebhanki, emva kokuba ibhanki ilungise itshekhi.
Kuthetha ukuthini ukulinganisa iakhawunti yakho yokutshekisha? Ukulinganisa iakhawunti yakho kuthetha ukongeza zonke iidebhithi zakho kunye namatyala (idiphozithi kunye nokutsalwa kwemali), emva koko wongeze isiphumo kwibhalansi yokuqala yengxelo yakho.
Zisebenza njani iincwadi zetshekhi?
Ukusebenza njengetyala lotshintshiselwano, iitshekhi kwincwadi yetshekhi zinikezelwa kumthengisi ngokutshintshiselana ngempahla okanye iinkonzo. Umamkeli wetshekhi uyifaka kwiakhawunti yakhe kwaye xa itshekhi icinyiwe, iimali zigqithiselwa kwiakhawunti yomntu ohlawulwayo.
Ngaba ndiyayifumana imali yam ukuba iakhawunti yam yebhanki igqekeziwe? Ibhanki yakho kufuneka ibuyisele nayiphi na imali ebibiwe kuwe ngenxa yobuqhetseba nobusela bezazisi. Kufuneka bakwenze oku ngokukhawuleza kangangoko banako - ngokufanelekileyo ekupheleni kosuku olulandelayo lomsebenzi emva kokuba uyichaze ingxaki.
Ngaba umntu angajonga ibhalansi yeakhawunti yam yebhanki?
Umthengisi webhanki okuncedayo ebhankini angabona ibhalansi yeakhawunti yakho yebhanki xa ekunceda kwiimfuno zakho zebhanki. … Nje ukuba le mvume inikiwe, uya kuba nokufikelela kwiibhalansi zeakhawunti yakho yebhanki.
Ngaba ibhanki ingakwazi ukumisa iakhawunti yakho ngenxa yezinto ezikrokrisayo? Iibhanki zinokuvala ii-akhawunti zebhanki ukuba zikrokrela izenzo ezingekho mthethweni njengokuthutyeleziswa kwemali, inkxaso-mali yabanqolobi, okanye ukubhala iitshekhi ezimbi. Abatyalwayo banokufuna isigwebo ngokuchasene nawe esinokukhokelela ukuba ibhanki imise iakhawunti yakho. … Jonga kwibhanki yakho okanye igqwetha lakho malunga nendlela yokunyusa umkhenkce.