Amafomu ayahlukahluka, kodwa izinyathelo eziyisisekelo ziwukuhlola amasheke, ukuhoxiswa kwe-ATM, ukufakwa kwediphozithi okuzenzakalelayo nokuhoxiswayo, nezinye izinto ezifakiwe ezisuliwe esitatimendeni sakho. Ingqikithi yawo wonke amasheke asele (lawo angakatholakali esitatimendeni okwamanje). Susa lokhu isamba esivela kwibhalansi yokugcina ebhange/inyunyana yakho yezikweletu kukhombisa.
Ngokufanayo, Kufanele ubhalansise kangaki incwadi yakho yokuhlola? Zibophezele ekulinganiseni incwadi yakho yokuhlola isisekelo samasonto onke, okungase kube lula kunokuzama ukukwenza kanye ngenyanga noma ngaphansi njalo. Ukurekhoda okwenziwayo nsuku zonke, bese ubhalansisa ekupheleni kweviki, kungasiza ukugcina isistimu ilula futhi ingenaphutha ngangokunokwenzeka.
Iyini i-balance checkbook? Kusho ukuthini ukulinganisa ibhuku lokuhlola? “Ukulinganisa ibhuku lokuhlola” - ngomqondo walo ongokoqobo futhi mhlawumbe nowesikhathi sakudala - kusho ngena esitatimendeni sakho sasebhange futhi uhlole okwenziwayo ngakunye ngokumelene nalokho okurekhodile kurejista yakho yesheke.
Ingabe kuyadingeka ukulinganisa ibhuku lokuhlola? Ukulinganisa ibhuku lakho lokuhlola kuzokusiza uqiniseke unemali eyanele ku-akhawunti yakho ukumboza zonke izimali ozikhiphile nezinkokhelo. Kuyindlela yokuba nokuthula kwengqondo ngokwazi ukuthi isheke lakho ngeke ligxume noma ikhadi lakho ledebithi ngeke linqatshwe ngokuzayo uma ukulayini wokuphuma.
Okwesibili Kusho ukuthini ukubuyisana incwadi yamasheke? Ukubuyisana kuyinqubo yokubala eqhathanisa amasethi amabili amarekhodi ukuze kuhlolwe ukuthi izibalo zilungile futhi ziyavumelana yini. Ukubuyisana futhi kuqinisekisa ukuthi ama-akhawunti akuleja evamile ayahambisana, anembile, futhi aphelele.
Imaphi amaphesenti abantu ababhalansi amasheke abo?
U-Al akayedwa. Ngokusho kwe-StatisticBrain.com, Amaphesenti ayi-79 we asilokothi silinganisele noma asivamile ukulinganisa izincwadi zethu zamasheke.
Khona-ke Kungani abantu babhalansisa izincwadi zamasheke? Ukulinganisa ibhuku lokuhlola kusho ukuthi uqophe zonke izengezo (amadiphozithi) ezenziwe ku-akhawunti yakho kanye nokukhishiwe (okuhoxisiwe). Idiphozi ngayinye kanye nokuhoxiswa kwayo kubizwa ngokuthi ukuthengiselana. Inhloso yokulinganisa ibhuku likasheke ngu ukwazi ukuthi ingakanani imali yangempela onayo ku-akhawunti yakho yokuhlola nganoma yisiphi isikhathi.
Ngazi kanjani uma i-akhawunti yami yasebhange igadiwe? Izindlela Ezi-5 Ongazisho Uma I-akhawunti Yakho Yasebhange Intshontshiwe
- Izinkokhelo ezincane ezingachazwanga.
- Izaziso ezingalindelekile ezivela ebhange lakho.
- Ucingo oluthi ibhange lakho ludinga ulwazi.
- Izinkokhelo ezinkulu zithulula i-akhawunti yakho yasebhange.
- Ufunde ukuthi i-akhawunti yakho ivaliwe.
Usibhalansisa kanjani isibonelo sebhuku lokuhlola?
Kufanele ugcine isikhathi esingakanani amarejista amasheke? Amarejista e-Checkbook: Kufika eminyakeni engama-10
“Akuyona nje indaba yonyaka, kodwa uma uzisebenzisa njalo, kuyinkomba yokuthenga okumba eqolo noma izinkonzo ongazange uwagcine amarisidi.” (Futhi, lawa amarekhodi angekho ngokwedijithali, okusho ukuthi udinga ukuwagcina isikhathi eside.)
Uyihlanganisa kanjani i-akhawunti yokuhlola?
Nazi izinyathelo zokuqedela ukubuyisana kwebhange:
- Thola amarekhodi asebhange.
- Qoqa amarekhodi ebhizinisi lakho.
- Thola indawo ongaqala kuyo.
- Bheka amadiphozithi akho asebhange kanye nemali oyihoxile.
- Bheka imali engenayo kanye nezindleko ezincwadini zakho.
- Lungisa izitatimende zasebhange.
- Lungisa ibhalansi yemali.
- Qhathanisa izilinganiso zokugcina.
Kwenzekani uma ungabhalansi i-akhawunti yakho yokuhlola? Ungase ukhumbule ukurekhoda ukuhoxiswa kwe-ATM, kodwa hhayi imali eyengeziwe ekhokhiswa ibhange lakho ngokusebenzisa i-ATM yebhange elihlukile. Lezi zimali zingase zibe zincane, kodwa uma ungazibali ngebhalansi yakho, ungase ugcine usukhipha imali engaphezulu kwe-akhawunti yakho futhi uthole izinkokhelo ezengeziwe.
Kungani ngingakwazi ukubhalansisa incwadi yami yokuhlola?
Ngisho noma urekhoda zonke izindleko ze-akhawunti yakho yokuhlola, ukuhoxiswa kwemali, amasheke, namadiphozithi encwadini yakho yokuhlola, ibhalansi yakho ingase ingafani nenani elikusitatimende sakho sasebhange. Lokhu kungenzeka kungenxa yemisebenzi engakabhaliswa ebhange lakho—noma kungaba iphutha elenziwe nguwe noma ibhange.
Uyini umehluko phakathi kokulinganisa nokubuyisana?
Ukuze uthole umhlahlandlela wesinyathelo ngasinye wokulinganisa i-akhawunti yakho, bona i-athikili ehambisana nalesi sihloko, "Indlela yokulinganisela ibhuku lakho lokuhlola: Ikhono labantu abangabodwana kanye nabagcinimafa beqembu le-4-H." Ukuvumelanisa kuyinto uma uqhathanisa lokho ibhange elikubonisayo njengokuthengiselana nalokho wena, mnikazi we-akhawunti, okurekhodile mayelana nokuthengiselana.
Uyenza kanjani i-checkbook reconciliation? Ukuze wenze lokhu, qala nge ibhalansi yokugcina esohlwini lwesitatimende sakho sasebhange futhi wengeze kunoma iyiphi idiphozithi oyenzile kusukela isitatimende sakhishwa. Okulandelayo, susa kuleyo bhalansi noma imaphi amasheke asele noma ukuhoxiswa kwemali. Isamba esisuka esitatimendeni sasebhange kufanele manje silingane nesamba esisuka kurejista yakho yesheke.
Kungani ukubuyisana kubalulekile? Ukuvumelanisa izitatimende zakho zasebhange kusho ukuqhathanisa amarekhodi akho ezezimali angaphakathi namarekhodi owanikezwa yibhange lakho. Le nqubo ibalulekile ngoba iqinisekisa ukuthi ungakwazi ukuhlonza noma yikuphi ukuthengiselana okungajwayelekile okubangelwa ukukhwabanisa noma amaphutha okubalwa kwezimali.
Ingabe i-Mint inalo irejista yesheke?
Ungakwazi sebenzisa isheke lokuthenga ukuze urekhode amasheke ubhala, kudala ngaphambi kokuba ibhange lakho liqaphele. … Ngenombolo yesheke, i-Mint.com izohlanganisa ngokuzenzakalelayo okufakiwe kwakho kwesheke ne-akhawunti yakho yasebhange, uma ibhange selicubungule isheke.
Kusho ukuthini ukulinganisa i-akhawunti yakho yokuhlola? Ukulinganisa i-akhawunti yakho kusho ukuhlanganisa wonke amadebithi akho namakhredithi (amadiphozithi kanye nokuhoxiswayo), bese wengeza umphumela webhalansi yokuqala yesitatimende sakho.
Asebenza kanjani amasheke?
Ukusebenza njengesikweletu sokuhwebelana, amasheke ebhukwini anikezwa umdayisi ukuze athole izimpahla noma amasevisi. Umamukeli wesheke uyalifaka ku-akhawunti yakhe futhi lapho isheke selisuliwe, izimali zidluliselwa ku-akhawunti yokhokhelwayo.
Ngiyayithola yini imali yami uma i-akhawunti yami yasebhange igetshengwa? Ibhange lakho kufanele libuyisele noma iyiphi imali eyebiwe kuwe ngenxa yokukhwabanisa nokuntshontshwa komazisi. Kufanele bakwenze lokhu ngokushesha ngangokunokwenzeka - kuhle kakhulu ekupheleni kosuku olulandelayo lokusebenza ngemva kokubika inkinga.
Ingabe umuntu angabheka ibhalansi ye-akhawunti yami yasebhange?
Umthengisi wasebhange okusiza ebhange angabona ibhalansi ye-akhawunti yakho yasebhange lapho ekusiza ngezidingo zakho zebhange. … Uma le mvume isinikiwe, uzokwazi ukufinyelela ezilinganisweni ze-akhawunti yakho yasebhange.
Ibhange lingakwazi ukumisa i-akhawunti yakho ngomsebenzi osolisayo? Amabhange angase amise ama-akhawunti asebhange uma esola izenzo ezingekho emthethweni njengokushushumbiswa kwemali, uxhaso lwamaphekula, noma ukubhala amasheke amabi. Abakweletayo bangafuna isahlulelo ngawe esingaholela ibhange ukuthi limise i-akhawunti yakho. … Hlola nebhange lakho noma ummeli wakho ukuthi ungawususa kanjani umqansa.