Umehluko phakathi kwesikweletu nokudonswa kwemali

I-Tanto las ama-akhawunti wesikweletu nawokudonswa kwemali, ziyingxenye yempilo yethu yansuku zonke, futhi kungenxa yokuthi njengoba isikhathi sihamba, izindlela zokukhokha sezishintshile, okuyiyona amakhadi wesikweletu nawasebhange ayizintandokazi. Enye yezinzuzo zabo eziyinhloko ukuthi basivumela ukuthi sikwazi ukufinyelela ngokungapheli emalini yethu, ngaleyo ndlela senze izinqubo eziningi zokukhokha ezenziwayo. Enye inzuzo amabhange asinika yona ngalawa ma-akhawunti yindlela elula esingaphatha ngayo imali yethu.

Kepha noma ngabe sisebenzise lokhu uhlobo lwama-akhawunti lukhona kungenzeka ukuthi asiwazi kahle umehluko okhona phakathi kwalezi zinhlobo ezimbili zama-akhawunti, kanye nokuthi kungenzeka yini ukuthi asizuzi ngalutho kuwo. Kungakho kule ndatshana sizokhuluma ngokusobala futhi ngamafuphi yini umehluko okhona.

Izindlela zokukhokha

Umehluko wokuqala ongashiwo yi izindlela zokukhokha ezisivumela ukuthi sikwazi ukufinyelela kuzo. I-akhawunti ngayinye isinikeza amathuba ahlukene, lawa amanye awo.

Imali edonswayo

Ake siqale ngokukhuluma ngama-akhawunti wedebithi, avumela a inkokhelo ekhokhiswa ngqo kwi-akhawunti yethu yokonga noma ku-akhawunti yethu yokuhlola. Ngale ndlela kungaphethwa ngokuthi umkhawulo wokukhokha esingawenza ngokuya ngesikhwama se-akhawunti yethu; Ukwenza isibonelo, kufanele sisho ukuthi uma ku-akhawunti yethu sifake okulingana nama-euro ayikhulu, inkokhelo yethu ephezulu kakhulu ingama-euro ayikhulu.

Ngandlela thile inkokhelo ingafakwa nge ikhadi lasebhange lokukhokha imali, lapho ukusetshenziswa kwethu okuphezulu kuyimali esinayo. Ngakho-ke, ukuze senze inkokhelo enkulu, okumele sikwenze ukukhulisa imali kuma-akhawunti ethu.

Isikweletu

Endabeni ikhadi le-debit sibheka indlela yokukhokha lapho ukuqoqwa kokuthenga kuhlehliselwe khona kuze kube yinyanga elandelayo. Futhi kubalulekile ukuthi sisho ukuthi le nkokhelo ingenziwa noma ama-akhawunti ethu engenayo imali.

Lapha kufanele sicacise amaphuzu ama-2; into yokuqala ukuthi indlela yokukhokha empeleni kungena ezikweletini nebhange. Ngale ndlela, kudingeka ukuthi sikhokhele ukuthenga ngesikhathi esinqunyiwe. Kepha ukuze sikwazi ukukhokhela ukukhokhwa kwesikweletu sethu ngenyanga elandelayo kufanele sibe nezinga elithile lemali engenayo, yilapho sicacisa khona iphuzu lesibili.

Ukuze ibhange liqinisekise ukuthi sizokwazi ukukhokha isikweletu ngesikhathi ubeka umkhawulo "emalimboleko" enziwa kithi ngesikhathi sokwenza izinkokhelo. Futhi ukuze wazi ukuthi lowo mkhawulo kufanele ube yini, ibhange liyaqinisekisa ukuthi lifunda ukusebenza kwekhasimende, ukuze likwazi ukuchaza ukuthi ngabe iklayenti linokuxazululwa kwezezimali nokuthi likuphi izinga lale solvency.

Lona indlela yokukhokha Kuwusizo impela ukuthola izimpahla ngesikhathi lapho singenamali noma sikwazi ukukhokhela ezinye izindleko ezingalindelekile ebezingakuhlelwanga kusabelomali, kepha okungazoshintsha ukuthi imali kumele ibuyiswe, futhi lokhu kungenziwa ngezindlela ezi-3 ezahlukahlukene, ake sibone ukuthi yini le.

• Indlela yokuqala ukhokhe isikweletu sisekupheleni kwenyangaLokhu kusho ukuthi inkokhelo kufanele yenziwe ngosuku oluthile lwenyanga olulandelayo lapho kwenziwa ukuthenga. Lokhu kusho ukuthi, uma uthenga okuthile ngoJanuwari 20, inkokhelo kufanele imbozwe, ngokwesibonelo, ngoFebhuwari 15. Ukuze sihambisane nale nkokhelo kubalulekile ukuthi sicace bha ngosuku lapho kufanele kukhokhwe khona, uma kungenjalo kufanele kubhekwe ukuthi sizokhokhiswa izinhlawulo futhi kungaholela unswinyo.
• Indlela yesibili esingakwazi ngayo yenza inkokhelo yesikweletu Kungenxa yephesenti, lokhu kusho ukuthi njalo ngenyanga elandelayo kuzofanele sikhiphe imali ukuze sikwazi ukubhekana nezindleko zokuthenga. Ukwenza isibonelo, uma sithenga ama-euro ayikhulu, ezinyangeni ezinhlanu ezilandelayo kuzodingeka sikhokhe ama-euro angama-100 ukuze sikwazi ukumboza inani eliphelele; Ukuqinisekisa ukuthi lokhu akwenzi izindleko ezengeziwe, kufanele saziswe kahle ngezimo ibhange eliphakamisa ngazo lolu hlobo lokukhokha.
• Indlela yesithathu ekhona ye- yenza inkokhelo yesikweletu kungenxa yemali engaguquki; Le ndlela yaziwa nangegama elithi revolving; futhi kuyindlela ethokozisayo evumela umsebenzisi ukuthi abe nokulawula okukhulu kubhajethi yakhe, ngoba kulokhu kufanele sikhokhe inani elivele lisunguliwe. Ngale ndlela silawula izindleko futhi sivimbela izindleko ezingalindelekile ukuthi zenze ushintsho olungazelelwe ezimalini zethu.

Ezezimali

Esigabeni esedlule sibonile ukuthi i isikweletu sivumela ukuxhaswa kwezimali kokuthengiwe kwethu. Lo mehluko phakathi kwesikweletu nokudonswa kwemali kungenye yezinto ezaziwa kakhulu, kepha-ke sizokucacisa ngendlela eqonde ngqo.

Lapho senza ukuthenga nge ikhadi lethu lesikweletu, sikhipha inani eliphelele lokuthengiwe kwethu. Ngendlela yokuthi uma besinama-euro ayikhulu kwi-akhawunti yethu, futhi sathenga ama-euro angama-100. Imali yethu ephelele ingaba ngama-euro angama-20. Inzuzo enkulu yalokhu ukuthi asizifaki kunoma isiphi isikweletu futhi sigwema nenzalo engaba khona eyenziwe yisikweletu.

Ngakolunye uhlangothi ikhadi lesikweletu lizosivumela ukuthi sikhokhe i-akhawunti efanayo kwama-euro angama-20, kepha ngokwesikhashana, mhlawumbe izinyanga ezinhlanu besizokhokha ama-euro ama-5 ngenyanga. Inzuzo enkulu yesikweletu ukuthi ngokungakhiphi isamba semali selokhu inkokhelo yenziwa, sizoba nezimali ezingasetshenziswa ukukhokhela izindleko ebezivele zihleliwe, futhi kuze kusinike nethuba lokukhokha ezinye izikweletu.

Kubaluleke kakhulu ukuthi sigcizelele ukuthi womabili amakhadi anawo izinzuzo kanye nokubi, ngakho-ke alikho ngokwalo elingcono kunelinye. Kodwa-ke, kubaluleke kakhulu ukuthi sifunde ukulawula izindleko zethu ukuze sazi ukuthi hlobo luni lokukhokha olulungele isimo sethu.

Ake sithathe isibonelo sangempela.

Si umholo wethu wenyanga Zingama-euro angama-600, futhi kwisabelomali sethu sanyanga zonke sidinga ama-euro angama-450 ukumboza izidingo zethu ezifana nezingubo, ukudla, izinsizakalo, njll. Lokho kusishiya nama-euro angama-150 esingawasebenzisela cishe noma yini esiyifunayo. Esikhathini sokuqala, kufanele sizibuze ukuthi kungcono yini ukusebenzisa ama-euro angama-450 ngokusebenzisa imali, lokho kungasishiya nesikhwama sama-euro angama-150, ngakolunye uhlangothi uma sixhasa ama-euro angama-450 okungadingeka siwakhokhe ngezinkokhelo eziyi-9 zama-euro angama-50 ngenyanga.

Uma sinweba isibonelo ezinyangeni eziyi-9 ezizayo, kuzosinika ngenxa yalokho ukuthi sinesikhwama sama-euro ayizi-2700 450, inkokhelo yethu yanyanga zonke izoba ngama-euro angama-10, futhi kulenyanga eyi-150 lapho izimali zethu zizinza khona; futhi, akumele sikhohlwe ukuthi inyanga ngayinye besiqoqa ama-euro angama-1500 amahhala, ngale ndlela sinesikhwama samahhala sama-euro angama-150, futhi lokhu kuzokwenyuka ngama-euro angama-XNUMX inyanga ngayinye ngaphandle kokuthinta ezezimali zethu.

Kuze kube manje, i- ezezimali kubonakala kuyindlela esebenzayo, futhi empeleni kunjalo, ngoba besingeke sibe nokonga kwethu ama-euro ayi-1500 kuphela, kodwa futhi nenani lama-euro ayizi-2700 XNUMX, okuthi noma ngabe selivele limiselwe ukukhokhela izindleko zethu zenyanga, lingasetshenziswa uma kunesimo esiphuthumayo.

Kepha ngaphambi kokuthatha isinqumo sokuthi ngabe lokhu kuyinto ethile ewusizo noma cha, kufanele sicabange okwethu imikhuba yezezimaliKhumbula ukuthi isibonelo sibalwe kucatshangwa ukuthi sinemikhuba emihle yokonga ama-euro angama-150 ayesele.

Ngaphezu kwalokho, besicabanga ukuthi asisebenzisanga mali kwezingu-450 ngenyanga, kodwa sayigcina ukuze sikwazi ukukhokhela okubhaliselwe. Ngakho-ke, uma singenayo imikhuba emihle yokonga, noma singabantu abangahle basebenzise leyo mali esikhundleni sokuyiqoqa, kungenzeka ukuthi ukuphela akunathemba kangako, nokuthi ngeke sifake obunye ubunzima bezezimali.

Inzalo

Omunye umehluko oyisisekelo okhona phakathi kwe- isikweletu nokudonswa kwemali ukuthi isikweletu imvamisa sakha i- ukuqoqwa kwenzalo yisikhungo sebhange. Ngokuvamile, inani lenzalo lincike esikhathini lapho sifuna ukumboza inkokhelo, uma yinde, izintshisekelo zivame ukuba ngaphezulu yize isilinganiso senzalo sinye.

Lokhu okwedlule kungenxa yokuthi kunesikhathi esihlanganayo, ngakho-ke ukuze sikwazi ukwenza izibalo ngendlela efanele, kufanele sicele kokubili isilinganiso senzalo nezikhathi ezihlanganayo lapho kufanele sikhokhe khona.

Ngakolunye uhlangothi, ku ama-akhawunti asebhange Ayikho inzalo, kepha kwezinye izimo ikhomishini ingakhokhelwa ngokuba ne-akhawunti yethu kuleli bhange, lokhu kubaluleke kakhulu ukuthi sibuze abeluleki bethu.