Musiyano uripo pakati pekwereti nechikwereti

Musiyano uripo pakati pekwereti nechikwereti

Zvese zviri zviviri chikwereti uye maadhibhodhi account, chikamu chehupenyu hwedu hwezuva nezuva, uye ndezvekuti sezvo nguva inopfuura, nzira dzekubhadhara dzakachinja, kuve iyo kiredhiti nemakadhi ekubhengi anodikanwa. Imwe yemabhenefiti avo akakosha ndeyekuti ivo vanotibvumidza isu kuti tiwane mukana wekusingaperi kumari yedu, nokudaro tichirerutsa yakawanda yenzira dzekubhadhara dzinoitwa. Imwe bhenefiti iyo isu mabhangi anotipa kuburikidza neaya maakaunzi ndiko kureruka kwatingaite kushandisa mari yedu

Asi kunyangwe isu tashandisa izvi mhando yemaakaunzi iripo mukana wekuti isu tisinganyatso kuziva mutsauko uripo pakati pemhando mbiri idzi dzeakaunzi, pamwe nemukana wekuti isu hatisi kuwana zvakanyanyisa kubva mazviri. Ndokusaka muchinyorwa chino tichazotaura zvakajeka uye muchidimbu ndeupi mutsauko uripo.

Nzira dzokubhadhara

Musiyano wekutanga kutaura ndewe Maitiro Ekubhadhara kwavanotibvumira kuwana. Imwe yeakaundi inotipa mikana yakasiyana, aya ndiwo mamwe acho.

Chikwereti

Ngatitangei nekutaura nezve ma debit account, ayo anotendera a mubhadharo unobhadharwa zvakananga kuaccount yedu account kana kuakaundi yedu yekutarisa. Nenzira iyi, zvinogona kugumiswa kuti muganho webhadharo watinogona kuita zvinoenderana nehomwe yeakaundi yedu; Kupa muenzaniso, zvinofanirwa kutaurwa kuti kana isu takapinda zvakaenzana ne100 euros muaccount yedu, yedu yepamusoro inogona kubhadhara ndeye 100 euros.

Mune imwe nzira nzira yekubhadhara inogona kuve yakagadzirirwa ne kadhi rekubhadhara kubhadhara mari, iko kwatinoshandisa zvakanyanya iri mari yatinayo. Saka, kuti tibhadhare muhombe, chatinofanira kuita kuwedzera mari mumaakaundi edu.

Chikwereti

Munyaya ye debit card isu tinoreva nzira yekubhadhara iyo iyo muunganidzwa wekutenga wakadzoserwa kusvika mwedzi unotevera. Uye zvakakosha kutaura kuti uyu muripo unogona kuitwa kunyangwe maakaundi edu asina mari.

Musiyano uripo pakati pekwereti nechikwereti

Pano tinofanirwa kujekesa mapoinzi maviri; chinhu chekutanga ndechekuti nzira yekubhadhara iri kuita chikwereti kubhangi. Nenzira iyi, isu tinodikanwa kubhadhara kutenga pane imwe nguva yekupedzisira. Asi kuitira kuti isu tivhare kubhadhara kwechikwereti chedu mwedzi unotevera tinofanirwa kuve nechero chikamu chemari, ndipo patinojekesa iyo yechipiri poindi.

Kuti bhanga rive nechokwadi chekuti tichakwanisa kubhadhara chikwereti nenguva inoisa muganho pane "chikwereti" chatinopihwa isu panguva yekubhadhara. Uye kuti uzive kuti uyu muganho unofanirwa kuve chii, iro bhanga rinove nechokwadi chekudzidza kugona kwemutengi, kugona kutsanangura kana mutengi aine solvency yemari uye ndeipi danho reiyi solvency.

Uyu nzira yekubhadhara Izvo zvinonyanya kubatsira pakuwana zvinhu panguva yatisina mari kana kukwanisa kubhadhara zvimwe zvisingafanoonekwi zvisina kurongwa mubhajeti, asi chisingazoshanduke ndechekuti mari inofanira kudzoserwa, uye izvi zvinogona kuitwa nenzira nhatu dzakasiyana, ngatione kuti izvi ndezvipi.

  • Nzira yekutanga kubhadhara chikwereti chiri pakupera kwemwedziIzvi zvinoreva kuti mubhadharo unofanirwa kuitwa pane rimwe zuva remwedzi rinotevera pakatengwa kutenga. Izvi zvinoreva kuti, kana tikatenga chimwe chinhu muna Ndira 20, muripo unofanirwa kuvharwa, semuenzaniso, muna Kukadzi 15. Kuti titeedzere muripo uyu zvakakosha kuti isu tijekeswe nezuva iro rainzi kubhadhara kunofanirwa kuitwa, zvikasadaro tinofanirwa kufunga kuti tichabhadhariswa zvirango uye zvinogona kukonzera masanctions.
  • Nzira yechipiri yatingaite ita kubhadhara chikwereti Zviri kuburikidza neperesenti, izvi zvinoreva kuti mwedzi wega wega unotevera tinofanirwa kuburitsa mari kuitira kuti tikwanise kubhadhara mutengo wese wekutenga. Kuisa muenzaniso kana tikatenga 100 euros, mukati memwedzi mishanu inotevera isu tichafanira kubhadhara makumi mairi euros kuti tivhare iyo yakazara huwandu; Kuona kuti izvi hazviunze imwe mari, isu tinofanirwa kunyatso ziviswa mamiriro ayo bhangi raanoda kuti rudzi urwu rwekubhadhara.
  • Nzira yechitatu iripo kune ita kubhadhara chikwereti iri kuburikidza nemari yakatarwa; Iyi nzira inozivikanwa zvakare neshoko rinoti kutenderera; uye inzira inonakidza inobvumidza mushandisi kuve nemasimba makuru pamusoro pebhajeti ravo, nekuti mune ino kesi tinofanirwa kubhadhara chimiro chakatosimbiswa. Neiyi nzira tinokwanisa kudzora ndyiko uye kudzivirira mari dzisingatarisirwi kubva mukuita kamwe kamwe shanduko kumari yedu yemunhu.

Mari

Muchikamu chakapfuura isu takanyatsoziva kuti iyo chikwereti chinobvumidza mari yezvatinotenga. Musiyano uyu uripo pakati pechikwereti nechikwereti ndeimwe yeanozivikanwa kwazvo, zvisinei isu tichajekesa neimwe nzira yakatwasuka.

Musiyano uripo pakati pekwereti nechikwereti

Patinoita kutenga ne kadhi redu rechikwereti, tinobhadhara huwandu hwese hwekutenga kwedu. Nenzira yekuti dai taive ne100 euros inowanikwa muaccount yedu, uye isu takatenga kutenga e20 euros. Mari yedu yakazara ingave makumi masere euros. Kubatsira kukuru kweizvi ndechekuti isu hatipi chikwereti uye isu tinodzivisa iyo inogona kuita mubereko iyo inogadzirwa nechikwereti.

Pane rimwe divi kadhi rechikwereti raizotibvumidza isu kuita kubhadhara iyo imwechete account ye20 euros, asi pane yakanonoka hwaro, pamwe kwemwedzi mishanu isu taizobhadhara mana euros pamwedzi. Kubatsira kukuru kwechikwereti ndechekuti nokusaburitsa mari kubva payabhadharwa, tichava nemari dzinogona kushandiswa kubhadhara zvakange zvarongwa kare, uye zvinototipa mukana wekubhadhara zvimwe zvikwereti.

Izvo zvakakosha kuti isu tisimbise kuti ese makadhi ane avo zvakanaka nezvakaipa, saka hapana kana pachiri chiri nani kupfuura chimwe. Nekudaro, zvakakosha kwazvo kuti isu tidzidze kudzora mashandisiro edu kuti tizive kuti rudzii rwekubhadharisa rwakanyanya kunaka kune edu mamiriro.

Ngatitorei muenzaniso chaiwo.

Si mari yedu yemwedzi Iwo ari mazana matanhatu emaeuro, uye mubhajeti redu remwedzi tinoda maeuro mazana mana nemakumi mashanu ekuvhara zvido zvedu sekupfeka, chikafu, masevhisi, nezvimwe. Izvo zvinotisiya isu ne600 euros yatinogona kushandisa chero chaunoda. Pakutanga, tinofanirwa kuzvibvunza isu kuti zvirinani kushandisa maeuro mazana mana kubudikidza nekubhadharisa, izvo zvingangotisiya tine homwe yemakumi mairi euros, nekune rimwe divi kana tikabhadhara ma450 euros atinogona kuvafukidza mu150 kubhadhara kwe450 euros pamwedzi.

Musiyano uripo pakati pekwereti nechikwereti

Kana tikaenderera mberi nemuenzaniso kwemwedzi mipfumbamwe inotevera, zvichatipa semugumisiro wekuti tine homwe yemamiriyoni maviri nemazana manomwe emadhora, muripo wedu wemwedzi unova mazana mana euros, uye uri mumwedzi wegumi umo mari yedu inodzikama; Zvakare, hatifanire kukanganwa kuti mwedzi wega wega tanga tichiunganidza maeuro zana nemakumi mashanu aive mahara, nenzira iyi tine homwe yemahara ye9 euros, uye izvi zvichawedzera ne2700 euros mwedzi wega wega pasina kukanganisa mari yedu.

Kusvika ikozvino, iyo Mari inoita senge inoshanda, uye zvirizvo zviripo, nekuti tinenge tisina kungova nemari yedu inokwana 1500 euros, asi huwandu hwemazana maviri nemazana manomwe emadhora, ayo kunyangwe hazvo akatogadzirirwa kubhadhara edu emwedzi mari, anogona kushandiswa kana pakaitika emergency.

Asi tisati tafunga kana ichi chiri chinhu chinobatsira kana kuti kwete, tinofanira kufunga nezvedu mamiriro emariZvakanaka, rangarira kuti iyo muenzaniso yakaverengerwa uchifungidzira kuti isu taive netsika dzakanaka kuchengetedza 150 maeuro aive asara.

Pamusoro pezvo, taifunga kuti hatina kushandisa chero mazana mazana mana nemana pamwedzi, asi takazvichengeta kuti tikwanise kuvhara mafetiraiza. Nekudaro, kana isu tisina tsika dzakanaka dzekuchengetedza, kana tiri vanhu vangangoshandisa mari iyoyo pachinzvimbo chekuiunganidza, zvinokwanisika kuti mugumo hauna tariro zvakadaro, uye kuti hatizopinze mamwe matambudziko emari.

Iko kufarira

Musiyano uripo pakati pekwereti nechikwereti

Mumwe mutsauko wakakosha uripo pakati pe chikwereti uye debit ndeyekuti chikwereti chinowanzo gadzira a kufarira kuunganidza nenzvimbo yekubhengi. Kazhinji, huwandu hwekufarira hunoenderana nezwi ratiri kuda kuvhara kubhadhara, kana rakareba, zvido zvinowanzove zvakanyanya kunyangwe chimbadzo chakafanana.

Iyo yekupedzisira iri nekuda kwekuti pane nguva inosanganisa, saka kuti tikwanise kuita kuverenga nenzira kwayo, tinofanirwa kukumbira zvese zviyero zvemubereko uye nguva dzekubatanidza dzatinofanira kubhadhara.

Kune rimwe divi, mu maakaundi ekubhengi Iko hakuna kufarira, asi mune dzimwe nguva komisheni inogona kubhadharwa nekuve neakaundi yedu mubhangi rakati, izvi zvakare zvakakosha kuti tibvunze vanopa mazano.


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Your kero e havazobvumirwi ichibudiswa. Raida minda anozivikanwa ne *

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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako

  1.   Bhizinesi Center Nharaunda akadaro

    Mhoro: ihwo hwakakwana uye hunoshanda ruzivo kuziva musiyano uripo pakati pechikwereti nechikwereti. Muenzaniso wekutenga nekadhi iri kujekesa. Kwaziso.

  2.   Taylor akadaro

    Zviri kuziva kuti isu tinoshandisa izwi rekuti "kiredhiti kadhi" tichichinjanisa kune ese madhibhiti nemakadhi echikwereti. Kutenda nekujekesa mutsauko. Shuwiro yakanakisa.