Ungayigwema kanjani imali ekhadini lasebhange?

amakhadi

Amakhadi esikweletu angenye yezindlela ezithandwayo zokukhokha zabasebenzisi baseSpain. Lokhu kuboniswa ngokuya ngemininingwane enikezwe nguMnyango Wezinhlelo Zokukhokha weBhange LaseSpain, okuqinisekisa ukuthi eSpain kubalwa Izigidi ezingama-48,09 zale plastiki. Lapho kungekho umsebenzisi ongaphezu kweminyaka engu-18 ongenayo indlela yokukhokha yalezi zici. Okuthile okukhuluma ngokubaluleka kwamakhadi empilweni yansuku zonke yezakhamizi.

Amakhadi esikweletu asephenduke iphuzu eliyinhloko lokuthola ezinye zezinsimbi zokuxhasa ezithandwa ngabantu baseSpain kuhlehlise ukuthenga kwakho. Ngokusebenzisa okuhlukile izindlela abekade bekuqalisa futhi okuvumela abasebenzisi ukuthi baphume ngokushesha okukhulu. Kungukukhokha okuphelele ekupheleni kwenyanga noma ngokukhokha izitolimende ezingaguquki zenyanga noma iphesenti lesikweletu. Akumangalisi ukuthi ukuguquguquka kokuphatha lo mkhiqizo wasebhange kungenye yezimpawu zawo eziphambili.

Noma kunjalo, amakhadi abajwayele ukuphuma mahhala, kodwa kunalokho ahlanganisa uchungechunge lwamakhomishini nezindleko ekuphathweni nasekugcinweni kwawo okuyisiphazamiso esikhulu sokuwaqasha. Njengoba kungenzeka ukuthi kwenzeke kuwe ngesikhathi esithile empilweni yakho. Lesi yisona sizathu esenza ingxenye enhle yabasebenzisi izame ukukhansela noma okungenani ukunciphisa lezi zinkokhelo zebhange. Ngalo mqondo, maningi amasu abanawo ukuze ekugcineni inkontileka yalo mkhiqizo wasebhange okhona manje ekusebenzeni kwamakhasimende ingalethi noma iyiphi inkokhelo.

Amakhadi: axhumanisa nabasebenzi

Vele, olunye lwezinhlelo eziphumelela kakhulu ukufeza le nhloso oyifunayo lususelwa ekuxhumaniseni iholo noma impesheni kwi-akhawunti yasebhange. Lo mbono uvame ukumelwa yilokho okuthiwa ama-akhawunti wabasebenzi futhi cishe zonke izikhungo zezezimali zinemodeli yalezi zici. Banikeza abanikazi babo izinzuzo ezahlukahlukene zazo zonke izinhlobo, kepha okunye okubaluleke kakhulu yilokhu. Ngokwenza kwayo ngokusemthethweni uthola ukuthi unekhadi lesikweletu noma lasebhange ngokuphelele. Ngaphandle kokubhekana nanoma yiziphi izindleko zokuphathwa noma ukunakekelwa kwayo.

Ingxenye enhle yamakhasimende asebhange akhetha ukuthi le modeli yokwethembeka ibe nama-plastiki abo. Ngoba kulula kakhulu ukuyenza ibe semthethweni futhi ungathuthukisa nenzuzo yokulondolozwa okulondoloziwe. Ngoba empeleni, banikeza isilinganiso senzalo esingafinyelelwa kuziphakamiso ezinolaka kakhulu amazinga afinyelela ku-5%. Into engacabangeki okwamanje ngenxa yokwehla kwentengo yemali yiziphathimandla zezimali zomphakathi. Futhi lokho sekuholele ekutheni inzuzo emaphakathi yale mikhiqizo yezezimali icishe ibe yi-0,10%.

Kumakhasimende athandwayo

amaklayenti

Ngaphandle kwendawo yokuba iklayenti elihle kunezinzuzo zayo futhi enye yazo ukususwa kwamakhomishini nezindleko zokuphatha ku- amakhadi wesikweletu nawebhukumali. Kulokhu, kuzofanele uxoxisane ngale mibandela evuna izintshisekelo zakho kuphela. Akumangalisi ukuthi lesi sigaba samakhasimende asinazo noma yiziphi izinkinga zokufika kuleli qophelo nebhange labo. Njengolunye uchungechunge lwezinzuzo amanye ama-akhawunti asebhange ahlupheka ngazo. Phakathi kwalabo abavelele ekususweni kwawo wonke amakhomishini asebhange, ukufinyelela kuzinga lenzalo lokuncintisana kakhulu kuningi lemigqa yesikweletu noma ngisho nokukunikeza imali ekhokhelwa ngaphambi kwesikhathi.

Vele, enye yezinjongo ezinkulu zezikhungo zezezimali klomelisa amakhasimende akho amahle kakhulu. Futhi uma benebhalansi ye-akhawunti enamandla kakhulu manje, kungcono kakhulu. Izifiso zakho zizokwaneliswa cishe ngaso leso sikhathi futhi ngaphandle kokuthi unikele noma ubhalisele eminye imikhiqizo yezimali. Isibonelo, izinhlelo zempesheni, izimali zokutshala imali noma yimuphi umkhiqizo ohloselwe ukonga. Ngaphezu kokuqala ezikhundleni ezingcono ukwenza ngcono izimo zenkontileka zengxenye enhle yemikhiqizo yezezimali. Uma uyingxenye yaleli qembu, siyakuhalalisela, ngoba ngeke ukhokhe i-euro eyodwa ngobunikazi bekhadi lakho lesikweletu noma lasebhange.

Izipesheli zamakhasimende amasha

Lolu hlelo lwenkontileka lungenye inketho onayo okwamanje yokuxolelwa kumakhomishini nezindleko zamakhadi wesikweletu noma wedebhithi onikezwe wona. Ukufika ezingeni lokuthi kuyingwegwe esetshenziswa izikhungo zezezimali ukubamba ukonga kwamakhasimende. Njengamanye amamodeli abhalwe ngenhla, lena inikeza ezinye izici ezingakusiza kakhulu kusuka manje. Njengoba kungenzeka bhalisa idiphozi yethemu ngenzuzo ephezulu kunamanje. Ngokubuya okulingene kokulondolozwayo okungu-1,50%.

Lesi sigaba sama-akhawunti sibonakala ngokuguquguquka kwaso njengoba senzelwe zonke izinhlobo zamaphrofayela. Kusukela kubasebenzisi abadala kuya ezigabeni ezincane kunazo zonke zabantu. Akukho ukulinganiselwa, kepha ngokuphambene nalokho, ezinye izinzuzo zayo zinosuku lokuphela kokuphela lwangaphambilini. Lokhu kuyisimo sediphozithi yesikhathi futhi bakunikeza ukubuya okubanzi kuphela isikhathi esithile. Imvamisa cishe izinyanga eziyisithupha noma ezi-6 futhi kuphela kwesigaba sokonga. Kungaba enye yezindlela ezingcono kakhulu zokwengeza izikhundla zakho kusukela manje.

Ama-akhawunti ngefomethi eku-inthanethi

online

Uma okuthile kuhlukanisa ama-akhawunti amanje enziwe ngokusemthethweni ku-inthanethi, kungukuthi akuvumela ukuthi uthuthukise izimo zalo mkhiqizo wezezimali. Ngenxa ye izindleko eziphansi ukuthi izikhungo zezimali kufanele zithwale. Ngenxa yalesi senzo, ngokuqinisekile uzosusa amakhomishini kusukela manje kuqhubeke. Ngenzuzo yokuthi ungavula le fomethi yokumaketha ngokunethezeka kusuka ekhaya lakho noma kusuka noma ukuphi, njengokuya kwakho eholidini. Ngaphezu kwalokho, bahlala benemiholo embalwa eshumini evela kwi-euro yokuqala.

Ama-akhawunti akwi-inthanethi, ngakolunye uhlangothi, kulula kakhulu ukuwathenga futhi imvamisa agcwele okunikezwayo nezenyuso ezizokusiza ugcine ubudlelwane obuhle nebhange lakho elijwayelekile. Kungumkhiqizo okhona ekunikezelweni kwazo zonke izinhlangano zebhange ukuze ukwazi ukuphatha imali yakho kusuka kumaselula noma okunye ukusekelwa kwezobuchwepheshe. Kungumkhiqizo obheke phezulu ngokusobala ongafinyeleleka kubo bonke abasebenzisi. Hhayi ize, udinga kuphela ukuthi ube nedivayisi yalezi zici ongasebenza kuzo nebhange olifunayo.

Kusuka kuzingxenyekazi ezintsha zezezimali

Enye yezinsizakusebenza zokugcina onazo kusukela manje ukuya ebhange elisha lobuchwepheshe futhi unelise lezi zifiso. Ngoba empeleni, kusukela ngomzuzu wokuqala wonke ama-akhawunti anikwe amandla ngalesi sici esibalulekile. Lapho ungakhetha khona ukuthi yiliphi ikhadi ofuna ukukhululwa kulo kumakhomishini nakwezinye izindleko zokuphatha. Noma ngabe ikhadi lesikweletu noma okuphambene nalo kufomethi yedebithi, njalo kuye ngezidingo zakho zangempela. Ngaphezu kwalokho, umndeni wakho ungazuza kuleli su lebhizinisi ngokuba ne- ikhadi elingeziwe ngesihlobo somnikazi we-akhawunti.

Kunoma ikuphi, lolu uhlelo olusetshenziswa ngabasebenzisi abasebasha ukuthola ikhadi labo lokuqala lesikweletu noma lasebhange. Ngenxa yezici ezikhethekile zalesi sigaba sama-akhawunti asebhange. Kuzo zonke izimo, ukwenziwa kwayo ngokusemthethweni ihanjiswa ngezindlela ezintsha zobuchwepheshe. Into ekhawulela ukungena kwayo kumakhasimende amadala anenkinga enkulu ekubhekaneni nale mininingwane yolwazi. Kunoma ikuphi, kungenye inketho ethakazelisa kakhulu ukuvikela izintshisekelo zakho kunoma yisiphi isimo esivelayo njengamanje.

Ukusebenza okuvela kumakhadi

imisebenzi

Komunye umthambo, kulula kakhulu ukuthi wazi ukuthi kule ndlela yokukhokha yendawo yonke uzobe usesimweni esingcono sokusebenza nebhange lakho. Ungakwazi ukukhipha imali kuma-ATM nganoma yisiphi isikhathi sosuku, wenze imali noma hlela izikweletu ezinkulu zasekhaya (amanzi, ugesi, igesi, njll.). Ngakolunye uhlangothi, ungakhokhela ukuthenga kwakho kuzo zonke izikhungo zezohwebo. Ngenketho yokuhlehlisa izinkokhelo ezinyangeni ezimbalwa, ziyinzalo ngisho nangezindlela ezahlukahlukene kupulasitiki. Ukuze ngale ndlela, ukwazi ukufika endaweni engcono ekupheleni kwenyanga.

Enye inzuzo yalezi zindlela zokukhokha ihlala eqinisweni lokuthi ungazihlinzeka ngokukhokhiswa kwemali noma nini lapho ufuna khona. Ngisho nokufinyelela ochungechungeni lwamaphromoshini nokunikezwa okuzokuvumela ukuthi ube nezaphulelo namabhonasi ekuthengeni okwenziwe. Noma ukubhuka uhambo lwakho lweholide (indawo yokuhlala yamahhotela noma ukuqasha imoto, phakathi kwezinye zezinsizakalo ezifanele kakhulu. Ngamafuphi, izinsiza ezahlukahlukene ezingaba usizo empilweni yakho yansuku zonke.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.