Ke kūʻai pūnaewele: pehea e hoʻomaka ai, ka mea e hana ai i ka pūnaewele
Ke hāʻawi aku neiʻoe i kaʻike kālā i ka hiki ke hoʻohana i kāu kālā ma ka pūnaewele - ma luna o ka pūnaewele, me ka hoʻohanaʻana i kāu kamepiula a iʻole pūnaewele pūnaewele - ma kahi o ke kipaʻana i kahi lālā'aulā.
Ma waho o ka hoʻopakeleʻana i nā huakaʻi hele i ka lālā, hiki iāʻoe ke nānā i nā pale kaupalena, hoʻoholo kālā i waena o nā moʻokāki, a me nā mea'ē aku. ʻO kaʻoiaʻiʻo, hiki iāʻoe ke hana i nāʻoihana hou aʻe ma mua o kāu e hiki ai i kahi lālā (a loaʻa nā ukuʻoi aʻe). Hiki nō hoʻi iāʻoe ke hoʻohana i nā lawelawe a me nāʻoihana'ē aʻe me nā mea'ē aʻe e hāʻawi.
Ma kēiaʻaoʻao, e uhi mākou i keʻano o ka hoʻomakaʻana i kaʻike pūnaewele - hiki paha iāʻoe ke hoʻomaka i kēia lā. E hōʻike mākou i kekahi mau hana maʻamau e like me ka ukuʻana i nā bila, ka hoʻopiliʻana i nā loiloi me kāu polokalamu kelepona, e loaʻa nei ka uku ma ka waihona me ka uku kālāʻole, a me nā mea hou aku.
Pehea e Bank Bank
Inā hoʻomaka waleʻoe, aiaʻelua mauʻaoʻao e pakele ai ma ka pūnaewele:
- E hoʻohana i kāu pēke e kū nei.
- E wehe i kahi moʻokāki hou (hiki paha me kahi pēke pūnaewele) wale nō.
E hoʻohana i kāu Bank e kū nei a iʻole Credit Union paha
Inā he waihona kāleka kāu, aia ma waena o laila. Loaʻa i kēlā me kēia panakō aʻahaʻole paha e hāʻawi i nā lawelawe pūnaewele - he mea pono wale nō ia i ka hoʻohanaʻana iā lākou. Ma ka liʻiliʻi, he mea maikaʻi ke kākau inoa me kāu pūnaewele a iʻole pūnaewele paha, a he mea pono ke nānā i nā pūnaewele pūnaewele wale nō.
E hōʻoia: Ma ka hoʻomakaʻana i kaʻike pūnaewele me kāu pūnaewele kū, e ponoʻoe e kākau inoa no nā lawelawe loea. Ma ka hapanui o nā hihia, he mea wale nō e hele i ka pūnaewele o ka'ake, eʻimi ana i "Kele Pūnaewele" aiʻole kekahi mea like, a e kaomiʻana iā "Register" ke noiʻia no kahi inoa inoa a me ka inoa pūnaewele.
Inā hoʻohanaʻoe i nā polokalamu kelepona, hiki iāʻoe ke hana i nā mea a pau ma laila - e kiʻi wale i kāu polokalamu kelepona a hoʻopaʻa inoa no kahi inoa inoa a me ka hua'ōlelo.
E noi i ke kōkua: Inā paʻakikī ke kaʻina no kāu, mai kānalua e kāhea (aiʻole e hele) i kāu kāleka a noi i kekahi e hele iāʻoe ma ke kaʻina hana. Makemake lākou e kiʻi iāʻoe ma ka pūnaewele no ka mea e mālama ponoʻoe i nā noi o ka lawelawe maʻamau i kāu iho a hoʻohana i ka manawa o nā limahana liʻiliʻi i ka wā e hiki mai ana.
E wehe i nā moʻokāki hou hou
Ināʻaʻole āu waihona kālā ma kahi (a iʻole e ho'āʻoʻoe i kahi pūnaewele pūnaewele wale nō), ua hiki i ka manawa e wehe ai i kahi pūnaewele. Hiki iāʻoe ke hoʻopakele i ka manawa a me ke kālā , a me ke kālā pūnaewele e kōkua iāʻoe e hana maikaʻi i kou manawa.
Online-wale nō? ʻO ka mea mua, e hoʻoholo inā makemakeʻoe e hoʻohana i kahi pūnaewele pūnaewele wale nō (ʻaʻole i loaʻa nā lālā brick-a-moa). Hiki ke hāʻawi aku i nā koina pūnaewele-kelepona i nā mea kiʻekiʻe ma luna o nā waihona mālama kālā a me ka mākaʻiʻole . Eia naʻe, hoʻolako nā lālā hana i nā lawelawe kūpono āu e hikiʻole ai ke loaʻa mai kahi pūnaewele pūnaewele wale nō .
ʻO kahi hui o nā'akena: ʻO ka mea maikaʻi e hiki iāʻoe ke loaʻa i nā mea maikaʻi loa o nā aoʻelua - e hoʻohana i kahi helu ma ke kāpili brick-mortar a iʻole kaʻaha'ailā a hoʻokahua i kahi helu ma kahi pūnaewele pūnaewele wale nō. ʻO nā pūnaewele pūnaewele pūnaewele i loaʻaʻole i nā palapala kūʻokoʻa mau (manaʻoʻoleʻoe e hōʻai'ē i nā hōʻai'ē a iʻole e hōʻemi i kāu moʻokāki ) no laila,ʻaʻole e ukuʻia kekahi mea'ē aʻe no ka mālamaʻana i kahi pūʻulu.
ʻO ka hoʻomakaʻana o ka hoʻomakaʻana i kaʻike pūnaewele: Inā makemakeʻoe e hoʻomaka i kaʻike pūnaewele i ka pūnaewele, hiki iāʻoe ke hoʻomaka me ka weheʻana i kāu pūnaewele pūnaewele. ʻO ka hapa nui o nā bane eʻae nei iāʻoe e hoʻopiha i kāu noi ma ka pūnaewele (heluhelu e pili ana i ka hanaʻana - he maʻalahi ).
E pono i nā manaʻo ma kahi e wehe ai i kahi moʻokāki? He mea maikaʻi loa i ka noiʻi a loaʻa kahi bank e kūpono ana i kāu mau makemake , akā paʻakikī ke hele hewaʻole me kēia mau pūnaewele hōkū'ē aʻe:
- ʻO ka Capital One 360 hāʻawi i nā waihona mālama kālā a me ka nānāʻana i nā kālā e uku panee ( heluhelu i ka loiloi ).
- Hāʻawiʻo Bank Ally i nā mālama kālā, nāʻike kūʻai kālā kālā , ka nānāʻana i nā ukana, a me nā huahana'ē aʻe ( heluhelu i ka hōʻike ).
Nā mea āu e hana ai i kēia manawa
Ke holo a holo nei, ua hiki i ka manawa e hoʻomaka ai e hoʻohana i kāu pūnaewele.
Hiki iāʻoe ke mālama i kahi maʻalahi inā makemakeʻoe a nānā wale i nā pale kau kālā . Akā inā makemakeʻoe no ka mea hou, hiki iāʻoe ke neʻe i nā hanaʻoi aku.
Kākoʻo i nā bila:ʻO kekahi o nāʻoihana maikaʻi loa o ka'auke pūnaewele he uku uku uku pūnaewele. Ma kahi o ka kākauʻana i nā māmā a me ka leka uila i nā uku, hiki iāʻoe ke hana i kāu mau kāleka a pau - meʻoe e mālama i ke kālā ma nā peʻa. E aʻo pehea e uku ai i kāu mau pili ma ka pūnaewele .
E loaʻa hou:ʻO nā kūkākūkā o nā pūnaewele he wahi nui no kāu mālama. ʻO ka hapa nui o nāʻikepili pūnaeweleʻoi aku ka nui o nā kālā a me nā moemoeka maʻamau, aʻo nā pūnaewele pūnaewele wale nō e uku i nā uku kūpono (me ka ukuʻole a me nā paleona pili palena palena). Ke hāʻawi pū nei nā pūnaewele pūnaewele i nā kālā kālā kālepa a me nā palapala hōʻoia o ka waihona (CD) inā makemakeʻoe e loaʻa hou.
Loaʻa i ka nānāʻana iāʻoe (hiki paha i ka hoihoi): Ke paʻakikī nei ka loaʻaʻana o nāʻike heluʻaiʻole ma nā brick-mortar bank, akāʻo ka nānāʻoleʻana i ka maʻamau ma nā pūnaewele pūnaewele. ʻO kaʻoiaʻiʻo, hiki i kahi pūnaewele ke uku aku iāʻoe i ka huina kālā ma kāu waihona helu.
Kāleka mālama kālā: Inā loaʻa iāʻoe kekahi'ōpona pūnaewele me kahi kamera, hiki iāʻoe ke hoʻohana i ia mea e waiho i nā hōʻailona ma kāu moʻokāki - i kekahi manawa o ke ao a me ka pō. ʻAʻole ponoʻoe eʻike i ka manawa e hele ai i ka lālā a kali paha i ka leka e hāʻawi i kēlā mau hua'ōlelo i kāu kāleka. E aʻo i ka hoʻopiliʻana i nā loiloi me kahi polokalamu kelepona .
Ma nāʻano likeʻole, ināʻoe e loaʻa mau ana kāu uku i ukuʻia e ka siaki, no ke aha iʻole ai e waiho ponoʻia ke kālā i kāu waihona kālā? E loaʻa koke ana kāu kālā iāʻoe i ka loaʻaʻana o ke kālā i kāu manawa e hoʻokomo ai i kāu kālā .
E hoʻouna i ke kālā: Pono e uku i kahi hoaaloha no kāuʻai o kaʻaina awakea a iʻole hoʻolimalima paha? Nui nā ala maʻalahi e hoʻouna i ke kālā i kekahi me ka kākauʻoleʻana i kahi leka aiʻole eʻeliʻana no ka hoʻololi maoli. ʻO ka hapa nui o nāʻaha e hāʻawi i nā lawelawe no ka hanaʻana i ka uku pilikino, akāʻo nā lawelawe'ē aʻe (e manaʻo PayPal) e hana wale i mua i ke komoʻana i kāu kāleka.
Eʻike i pehea e hana ai i nā leka uila (no ka meaʻole).
Move kālā: ʻOi hiki iāʻoe ke hoʻokuʻu kālā i waena o kāu pūnaeke pūʻali. Inā makemakeʻoe e hoʻoili i nā kālā mai kahi kelepakō a kekahi - aʻaʻole paha mai ka nānāʻana i nā mālama kālā ma kahi pēke hoʻokahi - ua hiki ke maʻalahi kahi polokalamu a pūnaewele paha. Hiki iāʻoe ke kūʻai i nā CD me nā kālā iʻole ponoʻoe e lilo i kekahi manawa koke.
Pūnaewele noiʻi: Ponoʻoe eʻike i ka nui o kāu i uku ai no kekahi mea kūikawā (aiʻole ka pilina pili pono o ka'ōnaehana). Aia paha kēlāʻike ma kāu moʻolelo kākike, a hiki iāʻoe ke nānā iā ia ma ka pūnaewele. Hiki iāʻoe ke kiʻi i nā'ōlelo a me nā kiʻi o nā makaikai āu i kākau ai inā makemakeʻoe i nā palapala no kekahi mea, a iʻole hiki iāʻoe ke nānā pono i nā hana e kāohi i nā hoʻopunipuni mai kāu moʻokāki.
E heleʻole i ka pepaʻole: ʻAʻole makemakeʻoe i ka pepa pepa, aʻo kēlā mau pepa e hana i ka pupuhi a hoʻomāmā i nā meahuehue. Hiki iāʻoe ke mālama i nā kumu waiwai,ʻo ia hoʻi ka pepa i hoʻohanaʻia no ka paiʻana, ka'ōnika, kaʻaila a me ka wahie i hoʻohanaʻia e holo i kēlā mau palapala ma kēlā me kēia mahina. Inā makemakeʻoe i kahi'ōlelo (i ka loaʻaʻana o ka moraki, e like paha me kēia), hiki iāʻoe ke paʻi mau i hoʻokahi aʻelua paha e pono ana iāʻoe.
E hoʻohana i nā mea waiwai kālā: He mea naʻauao ke hahaiʻana i kāu kālā. Ināʻikeʻoe i kahi e hele ai kāu kālā, hiki iāʻoe ke hoʻoikaika i ka hoʻoholoʻana i nā hoʻoholoʻana a ua maʻalahi ka loaʻaʻana o kāu mau pahuhopu kālā. He nui nā mea hana'ē aʻe aʻekolu e kōkua iāʻoe e hoʻokaʻawale i kāu kālā a me ka kūkuluʻana i nā kumukūʻai (me ka Mint , a me nā mea'ē aʻe), aʻo kāu kāleka paha i kūkulu i nā lako hana waiwai pilikino. Ke hele nei ma kaʻili pūnaewele e hiki iāʻoe ke hoʻouka i nā hoʻoholo a iʻole eʻae i kāu kamepiula e loaʻa koke i kaʻike.
Eʻike i kāu kaulike: Inā ponoʻoe eʻike pono i ka nui o kāu i loaʻa i kāu moʻokāki - a me ka nui o ka loaʻa ponoʻana no ka hoʻoliloʻana -ʻo kahi maikaʻi loa e loaʻa ai kēlāʻike ma ka pūnaewele.
Loaʻa i ke kōkua: Inā makemakeʻoe i kōkua me nā pilikia lawelawe, e ho'āʻo e mālama i ke keleponaʻoihana. Ināʻaʻoleʻoe e wikiwiki, hiki i ka maʻalahi ke hoʻouna aku i nā noi lola i kahi mea lawelawe mea lawelawe ma kahi o ke kāheaʻana. Loaʻa nā koho lawelawe kaiāulu, aʻo ia paha kāu koho wikiwiki. Hiki iāʻoe ke hoʻololi i kāu wahi helu, e hoʻonoho i nā kope o nā kauka, a mālama i nā hana maʻamau i kāu iho.
Borrow money: Ma waho o ka waihoʻana i nā kālā (e like me ka nānāʻana a me nā waihona mālama kālā ), hiki iāʻoe ke noi pūnaewele. E hoʻopihaʻoe i nā noi i nāʻaha kūikawā, a me nā mea hou aku e hoʻolimalima loa i nā noi kālā - hiki ke maʻalahi ka'āpono, wikiwiki a hiki paha i ka mea kūʻaiʻole.
Pehea e palekana ai i ka pūnaewele
Hoʻonui ka maʻalahi i ke kelepona maʻamau, akā hiki ke hana i nā manawa no nāʻaihue.
Mahalo, hiki paha iāʻoe ke palekana i ka wā e lawe aiʻoe i kāu kālā ma ka pūnaewele. ʻO nā kūlana palekana ma nāʻoihana waiwai waiwai,ʻaʻole ponoʻoe e hopohopo no nāʻano hana kahiko e like me ka leka uila a me ka hoʻoponoponoʻaiʻana. ʻO kaʻoiaʻiʻo, ke kākoʻo nei ke AupuniʻAmelika i nā kānaka a pau e loaʻa iā Social Security (a me nā pono'ē aʻe) ma o ka waihona kiko'ī , ma ka hapa no ka ho'ēmiʻana i kaʻaihue.
ʻAʻohe pono i kāu hana, akā, he mea nui kāu mau hana - a he mea maʻalahi ke noho maluhia:
- Nīnau: E noʻonoʻoʻelua ma mua o ka hāʻawiʻana i kaʻike pilikino ma ka pūnaewele ʻAʻole hiki i kāu kāleka ke hoʻouna aku iāʻoe ma ke kelepona, ka leka uila, a me ka helu a noi i kāu helu helu, helu mālama ola, hua'ōlelo, a iʻole PIN (ʻo nā noi e aneane pinepine i nā hoʻopiʻi hōʻano ).
- Pūnaewele palekana: E hoʻomau i kāu mau polokalamu i kēia lā (me nā polokalamu pūnaewele lawelawe, nā polokalamu spyware a me nā polokalamu'elepona, a me ka protection antivirus), e hoʻopiliʻoleʻiaʻoe i ka nui o nā mea hoʻoweliweli. E hōʻole i ka hoʻohanaʻana i nāʻelemakule kahiko, no ka hoʻolālā kālā.
- Nā wahi o ka lehulehu: E hōʻole i ka hoʻohanaʻana i nā kākoʻo o ke aupuni e hiki ai i nāʻike kālā (me nā piko piko ma nā hale kūʻai kope, a me nā hōkele pūnaewele). Inā hiki, e mālama i kēlā mau hana no ka wā e noho anaʻoe ma ka home aiʻole ma kahi hana ma kahi pūnaewele āu e hilinaʻi nei. Inā ponoʻoe e hana i nāʻoihana i ka wā ma waho a ma kahi'ē aʻe, e hoʻohana i ka pilina pūnaewele pūnaewele o kāu phone. Pēlā nō hoʻi,ʻo nā computer (e like me nā mea i loaʻa ma loko o nā hale waihona puke)ʻaʻole ia he koho maikaʻi no nāʻoihana pūnaewele.
Inā piliʻoe i kāu moʻokāki i ka hoʻopunipuni a iʻole nā hewa, aia kahi kūpono kūpono e paleʻiaʻoe (i loko o kāu mauʻike pilikino -ʻo kāu mauʻoihanaʻoihana kekahi mea'ē aʻe ). Hiki i ka Federal law ke pale i ka poʻe mai ka hāʻawi aku i kahi kūʻaiʻole, akā, ponoʻoe e hoʻomaopopo i kāu kāleka o nā pilikia a pau e hiki ai ke palekana .