Izinketho Ezingeziwe kanye Nemali Ehlanganisiwe Yokuhlolwa Kwezimali Zokukhokha
Isibonelo, iBhange Lekhiye linikeza "i-akhawunti yokuhlola yamahhala" nge-deposit encane ye $ 10.
Ngemuva kwezinsuku ezingu-30 zokuqala njenge-akhawunti yomnikazi we-akhawunti, ungafaka isheke futhi ufinyelele kuzikhwama zakho ngosuku olulodwa kuphela obambe ngalo. Uma unayo ibhalansi elinganayo ku-akhawunti yakho, ungakwazi ukukhokha isheke ngokushesha. Ibhange eliyinhloko ungakufaka ikhadi lokudonsana ne-akhawunti evunyelwe cishe yonke indawo enhle njengemali futhi izobe isiqinisekisiwe ngokulahlekelwa.
I-akhawunti yasebhange izokusiza ukuba ukhethe idiphozi ngqo ngqo kumqashi wakho noma e-ejensi kahulumeni njenge-IRS no-Social Security. Imali ingasetshenziswa ngokusebenzisa ikhadi lakho lokubambisa ngaphandle kokukhathazeka ngokuvakashela ebhange noma hlola inkampani yokukhokha.
Kuphi Ukukhokhela Inkokhelo Yakho Ngaphandle kwe-akhawunti yaseBhange
Izinketho ezilandelayo kufanelekile ukucabangela uma unqume ukuthi i-akhawunti yasebhange ayifanelekile inikezwe ngezimo zakho.
Amabhange
Ungakwazi ukukhokha isheke ebhange lapho umqashi wakho asetshenziselwa ukukhipha isheke. Uma kukhona igatsha lendawo, hlala bese ubuza ukuthi bayonikeza yini le nsizakalo.
Futhi, hlola nomqashi wakho ukuthi ubone ukuthi benze amalungiselelo nebhange elikhishwayo ukuhlinzeka le nsizakalo noma okukhethwa kukho izindleko eziphansi.
Ngokwenhlolovo ye-My BankTracker, i-Citibank ayikhokhisi imali yokukhokha isheke ngaphansi kwe-$ 5,000 ekhishwe ebhange labo, futhi i-Capital One nayo izokhokhisa isheke elidonsa ebhange layo mahhala.
Amabhange amaningi akhokhisa imali, ngokujwayelekile kusuka ku-$ 6 kuya ku-10, nakuba amanye amabhange azokhokhisa imali ephezulu ngokusekelwe kumaphesenti esamba sesheke.
Amabhange ambalwa azothola amasheke avela kuma-non-amakhasimende angakakhiwa yibhange lawo. Imali ngokuvamile izoba ngaphezulu kwale nsizakalo. I-KeyBank, isibonelo, inkokhelo engu-1% yesheke, kuze kube yimali ephezulu ye $ 22.50.
Amabhange amaningi azokhokha imali yokukhokhela imali kanye nokuhlolwa kukahulumeni hhayi ukuhlolwa komuntu okungewona amakhasimende.
Hlola ama-Kiosks cashash
Hlola ukukhishwa kwama-kiosks kukhona ezitolo eziningi zokuthengisa nokulula. Abanye bahlinzeka ngamasevisi wokukhishwa kokuhlola okungama-24/7 kanti amanye avuleka kuphela lapho isikhungo senkonzo yamakhasimende esitolo sivulekile. Izinketho zokuthola inkokhelo zifaka ukheshi noma ukukhokha ekhadini lesitolo kwezinye izitolo ezinkulu. Ukungahambi kwalolu khetho kuyisakhiwo semali ngokuvamile esukela ku-1 - 5%. 7-Eleven, isibonelo, izinkokhelo .99% yesamba sesheke kuma-kiosks.
Hlola Izinsizakalo Zokukhokhela Emakethe Okuthengisa
Hlola izinsizakalo zokukhokhisa ukuhlolwa kwamaholo, ukuhlolwa kukahulumeni, ukuhlolwa kwentela, nemali yokuthola imali etholakala ezitolo eziningi zeWalmart ngenkokhelo encane - $ 3 ukuze uhlole u-$ 1,000 noma ngaphansi no-$ 6 ukuhlola ngaphezulu kuka-$ 1,000 futhi okungaphezu kuka-$ 5,000. (Umkhawulo ukhuphukela ku-$ 7,500 kusukela ngoJanuwari kuya ku-Ephreli ukuhlolwa kwembuyiselo yentela.).
I-KMart izokhipha imali yokukhokha, uhulumeni kanye nokuhlola amaqembu amabili (kufika ku-$ 500) nge $ 1 kwezinye izifunda futhi mahhala kwabanye.
Abanye abathengisi, ikakhulukazi izitolo zokudla nezinye izitolo zokuphuza utshwala, ngokuvamile ukukhokha imali. Ngezitolo zokudla, ungadinga ikhadi lobulungu lesitolo ukuze uhlole amalungelo okukhipha imali. Ezimweni eziningi, kukhona imali ehambisana nalezi zinsiza.
Amakhadi eBhange akhokhelwa ngaphambilini
Amabhange anikeza amakhadi akhokhelwa ungathola ngaphandle kokuvula i-akhawunti yasebhange. Isibonelo, uma ubhalisela ikhadi le-Chase lika-Chase, ungalayisha imali bese uhlola ekhadini lakho ku-ATM noma nge-app efonini yakho. Ungasebenzisa ikhadi lakho ukuhoxisa imali noma ukuthenga. Qaphela ukuthi kukhona imali yenyanga yamasevisi. Njengamanje i-$ 4.95 yekhadi le-Chase Liquid.
Hlola Izitolo Zokuthenga
Ikhetho elibizayo lokukhipha amasheke isitolo sokukhishwa kwesheke.
Hlola ukheshi ukuthengwa ngokuvamile ukukhokhisa amaphesenti esheke kanye / noma imali flat. Abanye bangabeka imali elingana nephesenti lenani lokuhlola. Abanye bangakhokhisa imali ephansi phezu kwemali yephesenti. Ngokwesibonelo, ukuze ukhokhe imali engu-$ 2,000, imali engu-$ 5 kanye nephesenti eli-1 liphuma ekudonsweni kwe-$ 25 kusuka ekukhokhweni kwakho.
Hlola ukukhishwa kwamasheya kuzovame ukuhlinzekela kusengaphambili kuma-paychecks okwamanje akakhokhwanga imali eyindleko futhi uzothatha imali yokukhokhwa komuntu ngamunye ngosuku lwakhe lokubeletha. Lezi zinkokhelo ze-Payday ziyindlela ebiza kakhulu, futhi uma abamukeli bejwayele isimiso sokukhokha kusengaphambili, banamathuba okuqhubeka bathe le nsizakalo ngezindleko ezinkulu. Ngokusho kwe-Consumer Federation of America, ukukhokhelwa kwemali ekhokhelwa ngosuku kungadola u-$ 15- $ 30 ukuboleka u-$ 100 ngenzalo eyenezela ku-400% phakathi nenkathi yonyaka.
Ukubhalisa usizo lwabangani nomndeni
Abanye abantu abangenawo ama-akhawunti asebhange bathelela oxhumana nabo abathembeke kakhulu abanama-akhawunti asebhange futhi bacele ukuba bahlole amasheke ngenxa yabo.
I-ID idinga ukukhokha i-Check
Ukuze ukheshi isheke, ngokuvamile uzodinga ukuhlinzeka ngezinhlobo ezimbili noma ezimbili zokukhomba, kufaka phakathi i-ID yesithombe, njengelayisensi yokushayela, ipasipoti, noma i-ID yesithombe sezwe. Ubunikazi bezithombe ezikhishwe nguhulumeni yiyona ndlela engcono kakhulu eyamukelwa kakhulu ukuyisebenzisa.
Izihloko ezihlobene: Payday Imali | Indlela Yokukhokha Ukuhlola | Ngizokukhokhela nini?