Igqityelwe ukuvuselelwa ngoFebruwari 7, 2023
Indlela yokuCash uMyalelo weMali: Ngaba uvile ngee-odolo zemali kwaye uyazibuza ukuba ziyintoni na okanye xa zisetyenziswa? Silapha ukuphendula yonke imibuzo yakho.
Umyalelo wemali yindlela yokuhlawula ekhuselekileyo yokuthumela isixa esihlawulwa kwangaphambili. Iiodolo zemali yindlela ethembekileyo yokuthumela imali, ngakumbi xa itshekhi yephepha ingayi kwanela okanye ingafumaneki. Kusenokufuneka usebenzise iodolo yemali kwidipozithi yokhuseleko lokurenta, ukuthenga imoto esele isetyenzisiwe, okanye ukuthumela imali kumazwe ngamazwe okanye ngeposi. Ngenxa yokuba iiodolo zemali ziqinisekisiwe, umamkeli usenokukhetha olu hlobo lwendlela yokuhlawula kwitshekhi. Ngethamsanqa, iiodolo zemali ziyindlela efanelekileyo nefikelelekayo yokuthumela imali eqinisekisiweyo kuye nawuphi na umamkeli omkhethileyo.
Ukuba uyazibuza ukuba ungayikhupha njani iodolo yemali, siye sandlalela isikhokelo senyathelo nenyathelo ngezantsi, kunye noluhlu lwendawo yokuyikhupha iodolo yemali.
Isiqulatho
UwuTshaniswa njani uMyalelo weMali?
Landela la manyathelo angezantsi ukuze wenze imali iodolo yemali ngempumelelo. Emva kokufumana imali, ungayifaka kwiakhawunti yakho yebhanki okanye usebenzise imali kwizinto ozifunayo. Cinga ngokukhulula imali yakho ngokukhawuleza njengoko unako ukuze ungathwali isixa esikhulu semali.
1. Yiza neodolo yakho yemali kwindawo oza kuyikhupha. Ungathatha iodolo yemali uye ebhankini yakho, imanyano yamatyala, ivenkile yokutya, kunye nezinye iivenkile ezithengisayo. Phonononga uludwe lwethu olupheleleyo lokuba ungakhe uyikheshi iodolo yemali kwicandelo elingezantsi.
2. Qinisekisa iodolo yakho yemali. Lindela ukongeza utyikityo lwakho ngasemva kwi-odolo yemali de ube ukulungele ukuyidlulisela kheshi. Emva koko tyikitya umva we-odolo ukuyivuma.
3. Qinisekisa isazisi sakho. Bonisa isazisi sakho ukungqina ukuba ugunyazisiwe ukuba wenze imali kwi-odolo yemali. Izazisi ezikhutshwe ngurhulumente ezifana nepaspoti, iphepha-mvume lokuqhuba, kunye nekhadi lomkhosi zonke ziifom ezifanelekileyo.
4. Hlawula imirhumo yenkonzo. Kuya kufuneka uhlawule umrhumo wokufumana imali kwi-odolo yemali, nangona iifizi zihlala ziphantsi. Imirhumo iya kuncitshiswa kwisixa sonke semali esiqokelelweyo.
5. Fumana imali yakho. Beka imali yakho kwindawo ekhuselekileyo ngaphambi kokuba ushiye ikhawuntara yenkonzo. Cinga ukukhusela imali yakho kwibhanti okanye isipaji semali. Unokuba unqwenela ukwazisa umthumeli ukuba uphumelele uku-odola imali.
Ungawufumana phi uMyalelo weMali?
Ukwenza imali ngeodolo yemali kudla ngokulungele, njengoko kukho iindawo ezininzi ezibonelela ngale nkonzo. Ngokuxhomekeke kwindawo ohlala kuyo kunye neendawo ohlala kuzo, ezinye zezi ndlela zingezantsi zinokukulungela wena ngakumbi kunabanye.
1. Ibhanki. Enye yeendlela ezilula zokufumana imali yakho kukukhupha iodolo yemali ebhankini. Cinga ngokwenza imali kwi-odolo yakho yemali ebhankini apho sele unayo i-akhawunti ukuze ukwazi ukufaka imali ngokukhuselekileyo ngokukhawuleza.
2. Umanyano lwamatyala. Ngokufana nebhanki, ungakheshi ii-odolo zemali kwiimanyano zamatyala ukuba unayo i-akhawunti yemanyano yamatyala.
3. Indawo yokuthumela imali. Iindawo ezininzi, njengeWestern Union kunye neMoneyGram, zisebenza ngokukodwa kwiiodolo zemali. Ngokuqhelekileyo banikezela ngenkonzo ekhawulezayo ngeentlawulo ezifanelekileyo.
4. Iposi. Ngaba uyazibuza ukuba ungayikhupha njani iodolo yemali yeposi? Iposi iphatha ngokukhuselekileyo iiodolo zemali kwaye yeyona ndawo ilula yokufumana iiodolo zemali ze-USPS. Ungathumela ipakethe okanye uthenge izitampu zokuposa ngelixa ulapho.
5. Ivenkile yokutya. Ezinye kodwa ayizizo zonke iivenkile ezithengisa ukutya ezikuvumela ukuba wenze imali ngeodolo yemali. Yiya kwikhawuntara yenkonzo yabo yabathengi ukuze ubuze ukuba bayayilungisa na imali-odolo yokunceda ukuba uthintele umsebenzi owahlukileyo ukuba uphume uyokuthenga igrosari.
6. Indawo yokufumana imali. Iivenkile ezijonga imali, nokuba yintlawulo yakho okanye intlawulo evela kumhlobo, zihlala zibonelela ngeenkonzo zokuodola imali.
7. Ivenkile eluncedo. Ayizizo zonke iivenkile ezithengisayo ezibonelela ngendawo yokuthenga imali. Fowuna ngaphambi kwexesha okanye ujonge kwiwebhusayithi yabo ngaphambi kokuya kwindawo abakuyo.
8. Umniki-odolo yemali. Jonga ukuba leliphi na iziko elikhuphe umyalelo wakho wemali. Uya kukwazi ukuyifumana imali kwivenkile esebenzisa inkampani efanayo, njengeWestern Union, umzekelo.
9. Ivenkile yokuthengisa. Abanye abathengisi baya kuba neeodolo zemali. Jonga ngekhawuntara yenkonzo yabathengi okanye ufowunele ngaphambili ukuze uqiniseke.
Uza Kusisebenzisa Nini Iodolo Yemali?
Iiodolo zemali ziluncedo kwiimeko ezininzi. Ziindlela eziqinisekisiweyo zentlawulo enokuthunyelwa ize ifumaneke phantse naphi na ehlabathini.
Nazi ezinye iimeko apho unokunqwenela ukusebenzisa iodolo yemali:
- Awunayo itshekhi yokwenza intlawulo
- Itshekhi asiyondlela eyamkelekileyo yokuhlawula
- Uthumela imali kumazwe ngamazwe
- Unexhala lokutsiba itshekhi
- Imali iyafuneka xa uthenga, njengemoto esetyenzisiweyo okanye idiphozithi yokhuseleko lokurenta
- Kufuneka uthumele intlawulo ngeposi
- Awunayo iakhawunti yokutshekisha okanye yebhanki
- Uthenga kakhulu kwaye awufuni ukuba nemali esandleni
Xa uthumela iodolo yemali—enoba isebhankini, ivenkile efanelekileyo, okanye iposi—qiniseka ukuba uyayigcina irisithi yakho ngeenjongo zokuyilandela umkhondo. Ukuba iodolo yakho yemali ibinokulahleka okanye ibiwe, kubalulekile ukuba neerekhodi zakho kunye nerisithi. Yazisa umamkeli ukuba uthumele iodolo yakho yemali, kwaye umcele ukuba akwazise xa eyifumana kwaye ayikheshise.
Ngelixa imirhumo iqhelekile kwiiodolo zemali, inokwahluka ukusuka kwindawo ukuya kwindawo. Imirhumo ikwaxhomekeke ekubeni yimalini na oyithumelayo nokuba imali ithunyelwa ngaphakathi okanye kumazwe ngamazwe. Ukuba akuqinisekanga ukuba ungayizalisa njani iodolo yemali, ungacela ulwazi kunobhala wenkonzo kwikhawuntara yenkonzo.
Iiodolo zemali yindlela ekhuselekileyo yokuthumela imali, ingakumbi ukuba awunayo iakhawunti yokutshekisha okanye ufumana intlawulo ngeposi. Ngeendawo ezahlukeneyo ezifumanekayo ukwenza imali ngeodolo yemali, yinkonzo elungele ukusetyenziswa ngemirhumo encinci. Ngoko ke nokuba uthengisa imoto esele isebenzile okanye uthumela intlawulo ngeposi, iodolo yemali isenokuba yeyona ndlela ikulungeleyo.