Iiodolo zemali zinokubonakala zindala, kodwa ziyindlela ekhuselekileyo yokudlulisela imali, ngakumbi ukuba kufuneka uyibeke ngeposi. Banceda abathengisi bazive bezithembile kukhuseleko lwentengiselwano, kwaye abathengisi abaninzi bayabakhetha ngaphezu kweetshekhi zabo. Intlawulo iqinisekisiwe nge-odolo yemali, kwaye unokuzithenga kwiindawo ezininzi, ukwandisa lula. Funda iziseko zomyalelo wakho wemali, apha.
Yintoni uMyalelo weMali?
Umyalelo wemali liphepha lemali elifana netshekhi, kodwa awudingi akhawunti yokutshekisha ukuze uyifumane. Yicinge njengetshekhi yecashier onokuthi uyithenge kwezinye iindawo ngaphandle kwebhanki. Xa uthenga enye, uyihlawula ngemali ezinkozo. Isebenza kwisixa esishicilelweyo kuyo, kwaye kufuneka uyikhusele ngendlela obuya kuyikhupha ngayo.
AndreyPopov / Getty Imifanekiso
Ungasithenga phi iodolo yemali?
Iposi yeyona ndawo iphambili yokuthenga iodolo yemali. Unokuzithenga nakweyiphi na i-ofisi ye-Western Union. Iivenkile ezinkulu ezininzi, iivenkile ezinkulu zeebhokisi kunye neevenkile eziluncedo zikwathengisa iiodolo zemali, njengoko zisenza iibhanki kunye neemanyano zamatyala, kunye nemali mboleko yosuku lokurhola kunye nezibonelelo zokufumana imali. Nganye kwezi ziko ikwaqinisekisa ukuba imali idluliswa ngendlela yomyalelo wemali - nto leyo ekhuselekileyo ukuba bayenze, kuba ubahlawula ixabiso elipheleleyo le-odolo yemali xa beyikhupha.
KenWiedemann / Getty Imifanekiso
Ixabisa malini uMyalelo weMali?
Unokulindela ukuhlawula naphi na ukusuka ngaphantsi kwedola ukuya kwiidola ezimbalwa njengentlawulo yomyalelo wemali - kunye, ngokuqinisekileyo, isixa semali oyithumelayo nge-odolo yemali. Ngaphandle kokuba unelungelo lokukhuphela iitshekhi simahla kwibhanki yakho, iiodolo zemali yenye yeendlela ezingabizi kakhulu zokudlulisela imali, ngakumbi ukuba ufuna ukuthumela imali kumazwe ngamazwe.
dardespot / Getty Imifanekiso
Ziziphi izizathu zokuSebenzisa uMyalelo weMali?
Iiodolo zemali ziindlela eziluncedo zokwenza iintlawulo xa ungakwazi okanye ungafuni ukusebenzisa imali ezinkozo okanye itshekhi yobuqu. Ukuba uthengisa apho umthengisi akayi kwamkela isheke, umyalelo wemali yindlela efanelekileyo yokuhlawula. Ukuba awunayo i-akhawunti yokutshekisha, ungahlawula amatyala akho nge-odolo yemali. Ukuthumela ikheshi kunokuba yingozi, kwaye ukuthumela itshekhi kuthetha ukuba nabani na oyibonayo unolwazi lwakho lwebhanki, kodwa ukuthumela iodolo yemali kubonelela ngenqanaba elongezelelweyo lokhuseleko, ekubeni ngumamkeli ocetywayo kuphela onokuyifumana imali.
Maica / Getty Imifanekiso
Uhlawulela Njani uMyalelo weMali?
Ukuba uthenga iodolo yemali ebhankini yakho okanye kwiyuniyoni yekhredithi, baya kukhupha imali ngqo kwiakhawunti yakho. Naphi na kwenye indawo, kuya kufuneka uhlawule ngemali okanye ngekhadi lebhanki. Kwakhona kunokwenzeka ukuba uhlawule ngekhadi letyala, kodwa inkampani yekhadi lakho letyala iya kuyiphatha intengiselwano njengemali ehlawulwa kwangaphambili, ngoko uya kuhlawula imirhumo ephezulu kakhulu, kunye nenzala.
Juanmonino / Getty Imifanekiso
Uwuthenga Njani Umyalelo Wemali?
Xelela iziko elikhupha iodolo yemali ukuba ufuna malini kwaye ubanike imali. Nje ukuba uyenzile loo nto, baya kuprinta iodolo yemali yesixa osicelileyo. Kufuneka ubhale igama lomntu ofumana iodolo yemali emva kokuba 'Hlawula iodolo ye.' Ude wenze oku, iodolo yemali ifana nemali, kwaye nabani na oyibambeyo angayikhupha.
YinYang / Getty Imifanekiso
Ungawurhoxisa uMyalelo weMali?
Kanye njengokuba unokubeka i-odolo yokuyeka intlawulo kwitshekhi yakho, unokurhoxisa iodolo yemali. Nangona kunjalo, kufuneka ube nerisithi ye-odolo yakho yemali, okanye inkqubo iya kuba nzima kakhulu. Buyela emva kwindawo apho uthenge i-odolo yemali, ukuba kunokwenzeka, ukuqala inkqubo yokurhoxisa. Lindela ukuhlawula umrhumo naphi na ukusuka kwi-6 ukuya kwi-30 yeedola.
bortonia / Getty Imifanekiso
Ungasifumana phi i-odolo yemali?
Uya kuba neyona ngxaki incinci ukuba uthatha iodolo yakho yemali uyisa kwisebe leziko elithe layikhupha. Ukuba yi-odolo yemali yeposi, yiya eposini. Ukuba ivela ebhankini, yiya kwisebe laloo bhanki. Iivenkile eziluncedo kunye neevenkile zegrosari ezikhupha iiodolo zemali zisenokuvuma ukuzifumana, kodwa zisenokubiza umrhumo wenkonzo leyo. Ungasoloko ufaka iodolo yemali kwiakhawunti yakho yebhanki; ibhanki iya kuyiphatha njengemali.
RapidEye / Getty Imifanekiso
Yimalini endinokuthi ndiyigqithisele nge-odolo yeMali?
Ngokubanzi, iiodolo zemali zingasetyenziselwa kuphela iimali ze-1,000 yeedola okanye ngaphantsi. Ukuba ufuna ukudlulisela ngaphezulu kwe-1,000 yeedola, kungafuneka uthenge iiodolo zemali ezininzi - okuthetha ukuba kufuneka uhlawule iifizi ezininzi. Xa ufuna ukudlulisela imali eninzi kakhulu, jonga ukuthenga itshekhi ye-cashier endaweni yoko.
Ngaba unokuLandela uMyalelo weMali?
Ewe, unokulandelela iodolo yemali. Khangela inombolo yokulandelela kwirisithi yakho, kwaye uyisebenzise ukuqinisekisa ukuba lowo ujongwe ukuba umamkeli uyifumene imali oyithumeleyo. Ukuba ayifumanekanga, lixesha lokubuyela kwindawo othenge kuyo iodolo yemali kwaye uqale inkqubo yokurhoxisa.
CarmenMurillo / Getty Imifanekiso