Kujwayelekile ukuthi uma kwenzeka umsebenzi omubi ezimakethe zamasheya unezinkinga ezithile onazo imali eyanele ku-akhawunti yakho yokuhlola. Ikakhulukazi uma ungasekelwa yiholo noma imali ephindaphindwayo. Vele, isimo esingadingeki kakhulu kubatshalizimali futhi esinesisombululo esiyinkimbinkimbi kakhulu. Enye yemikhiqizo embalwa yasebhange engakusiza uphume kule nkinga ngamakhadi wesikweletu. Kepha banokucaca okucacile futhi lokho ukuthi akudingeki ukhokhe inzalo nganoma yisiphi isici.
Lesi sigaba samakhadi esikweletu sigunyazwa ngamabhange. Kepha ngezimpawu ezishiwo kakhulu, njengoba uzokwazi ukuqinisekisa kusuka manje. Ngoba empeleni, imayelana amaplastiki lokho kuhloswe kuphela okomzala. Futhi-ke, ngeke ukwazi ukuyisebenzisela ezinye izinhloso, njengoba nje uzokwazi ukukhipha noma iyiphi imali emagatsheni asebhange noma kuma-ATM. Umehluko wokuqala ohlukanisa la makhadi kwamanye.
Enziwa ukuthenga ku- izitolo kanye nemikhiqizo. Yize igcina imisebenzi efanayo nanoma yiliphi ikhadi lesikweletu elibiza usawoti wayo. Ngokuvamile kufomethi yayo yokwethembeka. Kusho ukuthini lokhu? Yebo, into elula njengaleyo kufanele uthembeke esikhungweni noma kumkhiqizo wentengiso. Ngoba ngokubuyisela, bazokunikeza izinzuzo eziningi futhi okunye okubaluleke kakhulu ukuthi ungakuhlehlisa ukuthenga ngaphandle kwenzalo noma ezinye izindleko kubaphathi babo. Njengomphumela walo mkhuba, abasebenzisi ababhekene nenkinga yemali bazoba sesimweni esingcono sokufinyelela ekupheleni kwenyanga nebhalansi ye-akhawunti yamanje iphilile kakhulu.
Amakhadi esikweletu: ayikho inzalo ekhokhiwe
Ngale ndlela ekhethekile yokukhokha, akukho kungabaza ukuthi uzokwazi ukuthenga uchungechunge lokuthenga, kepha ngaphandle kokukhulisa okwakho izinga lesikweletu. Akumangalisi ukuthi lokhu kungenye yezimpawu zayo eziyinhloko futhi okugqame kwabanye. Kuze kube seqophelweni lokuthi ngokuvamile abalahlekile kuphothifoliyo yabasebenzisi basebhange. Ngoba futhi ikuvumela ukuthi uqhubeke nokujabulela amakhadi wesikweletu ajwayelekile kakhulu. Ngokuthengiselana kwe-akhawunti nokunyakaza, njengokukhipha imali kuma-ATM, ukudluliselwa ku-akhawunti yakho yokuhlola noma ukukhokha nge-Intanethi.
Kodwa-ke, le ndlela ekhethekile yokukhokha ivumela abanikazi bayo ukuthi bahlehlise izinkokhelo ezikhungweni eziyinhloko zokuthenga. Ukuze ngale ndlela, bakwazi ukufika besesimeni esingcono ekupheleni kwenyanga futhi bavimbele ezinye izindleko ungahambi kahle isabelomali sakho somndeni noma uqobo. Isizathu salokhu kuba ukuthi ukubambezeleka kwezinkokhelo kuzokwenziwa ngaphandle kwanoma yiluphi uhlobo lwenzalo. Ngamanye amagama, ku-0%, ifomula engcono kakhulu yokunganyusi izinga lesikweletu sabasebenzisi basebhange.
Izindleko zale mali encane
Ukuhamba ekuthengweni okwenziwe yileli banga lamapulasitiki akunayo inzalo. Kepha ngeke libe khona ikhambi ngaphandle kokugcina izinsuku ezibekiwe zokubuya kwalo ngoba inhlawulo yalesi simo iphezulu kakhulu. Ngezinga elingasondela ku-20% kwezinye izimo ezifanele kakhulu. Kuyingcuphe ukuthi amakhasimende azithole ngakho-ke isiyalo sokwenza ukukhokhiswa kwe-akhawunti kuzoba yinto ebaluleke kakhulu ekwakhiweni kahle kwala makhadi esikweletu.
Ngakolunye uhlangothi, akunakulibaleka ukuthi le ndlela yokukhokha, ngokuvamile, ayibandakanyi izindleko ekukhishweni, ekuphathweni nasekugcinweni kwekhadi. Uma kungenjalo, ngokuphambene nalokho, ukuqasha kwakho akunazindleko kusukela ekuqaleni kokwenza ngokusemthethweni. Ngokungafani namanye amapulasitiki anemanyolo angakwazi finyelela kuma-euro angama-100 ngonyaka yale mibono. Ngokwalokhu kubukwa, lawa makhadi esikweletu azuzisa kakhulu umnikazi wekhadi. Ngoba, ngokungeziwe, ukusebenziseka kwayo kungaphezu kokungabaza lapho kuhlobene nokusetshenziswa.
Izikhathi zokugcina zokuhlehliswa
Njengoba kushiwo kulolu lwazi, enye yezinzuzo zayo ezifanele kakhulu ukuthi ayikho inzalo eyenziwayo ekuthengeni okwenziwe. Kodwa isikhathi eside kangakanani? Yebo, isikhathi esivame ukwehla kusuka enyangeni eyodwa kuya kweziyisithupha futhi kuye ngemodeli yekhadi ekhethiwe. Kunoma ikuphi, awekho amakhadi wemigomo emide yokukhokha. Ngoba kulezi zimo ziyamakethwa ngaphansi kokufakwa kwezinga lenzalo elingafinyelela ngokuphelele kuma-20%. Ngaphandle kwezinsizakalo nezinzuzo ikhadi elenziwa ngalo.
Isu lokwenza lo msebenzi kungenxa ye- ukwethembeka kwamakhasimende lapho uzama ukugqugquzela ukuthenga kwakho enxanxatheleni yezitolo ezithile noma kumkhiqizo nje. Intengo abaphethe le ndlela yokukhokha abanayo ukuthi bazokwazi ukuhlehlisa le misebenzi ngaphandle kwenzalo. Lokho wukuthi, kuzodingeka bakhathazeke kuphela ngokubuyisa imali abayikhokhile ekusebenzeni kwabo kwebhizinisi. Akukho okunye, ngisho amakhomishini noma ezinye izindleko ekuphathweni kwayo. Kuyisikhuthazo esikhulu sokumaketha lo mkhiqizo wezezimali nangaphezulu kokunye ukucatshangelwa.
Umkhawulo wesikweletu kumakhadi
Vele, awunaso isikweletu ngomqondo ojwayelekile waleli gama. Uma kungenjalo, kunalokho, kuhloselwe kuphela ukwenza kube semthethweni ukuthenga ngaphezu kwakho konke okunye. Kepha noma kunjalo, kukuvumela ukuthi ube nenani lesikweletu lokho iphakathi kwama-1.000 no-3.000 euros. Futhi lokho kuyenziwa kabusha njengoba imali ibuyiselwa ngokwemigomo okuvunyelwane ngayo yizikhungo zezezimali. Ngakolunye uhlangothi, zisetshenziselwa nokwenza ukubhuka kwabavakashi, njengokuthola ithikithi lendiza noma ukuqasha iphakethe leholide enkampanini yezokuvakasha.
Ngokuphambene nalokho, okungenakwenziwa kumodi yesikweletu kungukuthengiselana ngesikweletu. ukukhipha imali emagatsheni asebhange noma kuma-ATM. Lokhu kuhamba kwemali kubekelwe esinye isigaba samakhadi wesikweletu ajwayelekile. Akumangalisi ukuthi la makhadi awenzelwanga ukwanelisa lokhu nezinye izinjongo zokuhweba zabakhiphi bale ndlela yokukhokha engajwayelekile esibonelweni samanje sebhange. Ngoba akufanele ikhohlakale ukuthi akulona ikhadi elijwayelekile.
Amabhizinisi axhumene
Uma la makhadi wesikweletu ehlukaniswa okuthile, kungenxa yokuthi engxenyeni enkulu yokunikezwa kwamabhange, amapulasitiki axhumene namabhizinisi alandelwayo. Njengomphumela walo mkhuba, inhloso ye- ukwethembeka kwamakhasimende Ngale ndlela, lapho kusetshenziswa ipulasitiki eyengeziwe, izinzuzo ezinkulu ezitholwa yilabo abaphethe lezi zindlela zokukhokha. Ngoba nabo bazobe besesimweni esihle sokusebenzisa ngokunenzuzo nokuphakanyiswa kwalezi zikhungo zokuthenga nezindawo zokuthenga. Ngaphandle kwezinsizakalo nezinzuzo ezinikezwa yile ndlela ekhethekile yokukhokha.
Izinzuzo eziyinhloko
Uma lawa makhadi wesikweletu ebonakala ngokuthile, kungenxa yokuthi abaphathi bawo bangaba ne- amathuba amaningi ezezimali, kufaka phakathi izindlela ngaphandle kwezindleko kubasebenzisi nokuthi kunjani kuleli cala. Kuze kube ukuhlehlisa ukukhokhwa kokuthengile kwakho kuze kube izinyanga eziyi-12 ngenani lenzalo eliphakathi kuka-15% no-20%, kuya ngemodeli yepulasitiki ekhethwe abasebenzisi bebhange. Ngakolunye uhlangothi, banenye inketho esuselwe ekuceleni ukusebenza ekusungulweni kwabo ngokusebenzisa lokho okuthiwa amakhredithi asheshayo. Lokho kusho ukuthi, ngokushesha, kepha kucatshangwa ukuthi kunentshisekelo ekwenziweni kwayo ngokusemthethweni.
Ngokwalo mbono, lesi sigaba samakhadi ngekhadi lalezi zici kufanele sisebenzele kulo phuma ngokukhulu ukushesha, ngaphandle kokukhuphula izinga lezikweletu, elisekupheleni kosuku ukuthi likhuluma ngani. Ngoba ngakolunye uhlangothi, akukhuthazwa ukulahla umbono wokuthi la makhadi anezinto ezinamandla kwezohwebo nokuthi atholakala ekuthembekeni kwabaphethe. Akumangalisi ukuthi kuzokusiza ukukhuphula izinga lakho lesikweletu ezinyangeni ezizayo noma eminyakeni.
Akunasidingo sezincazelo
Elinye lamanani alo angeziwe ukuthi awudingi ukuchaza ukuthi yini injongo ozoyinika lesi sigaba samakhredithi amancane. Ungenza noma yini oyifunayo ngayo, ngaphandle kwanoma yiluphi uhlobo lwezizathu enkantolo. Ngokolunye uhlangothi, isibonelelo saso sisebenza ngokushesha ngoba ungayithola lapho uyifuna ngokwakho. Ngoba kungumugqa wesikweletu oxhunyaniswe nemibandela yekhadi elinezici. Ngakho-ke, awudingi ukuvunyelwa okuhambisanayo ngoba ukuvumele kusengaphambili.
Ekugcineni, khumbula ukuthi lolu hlobo lwezezimali luhlala luxhunyaniswa nomkhakha wabathengi futhi lunenhloso yokuthi uthenga kakhulu kunanini ngaphambili. Yize kungabiza ukujabulela amalungelo amaningi wokuhweba futhi kulapho la makhadi athuthukisa khona amasu abo. Ngaphandle kwezinsizakalo ezijwayelekile ezinemikhiqizo yasebhange.