Ukucwangcisa uhlahlo lwabiwo lwebhajethi kwaye ukugcina kuyo lunokuba ngumngeni xa yonke into ixabiso lentlawulo kwaye usetyenziswa ukuhlawula ngeedola. Nantsi indlela yokwenza ngokukhawuleza ukuba yiziphi iimpahla ezithengwa ngemali yase-UK zifanelekile kwimali yakho.
Ukuma ukujikeleza ukwenza izibalo eziyinkimbinkimbi kwifowuni yakho efanelekileyo ukusebenzela kakuhle into oza kuchitha kuyo kunokukhathazeka kwaye ixesha elidlulileyo xa uhamba.
Inokukuphawula kwakhona njengokhenketho kuyo nayiphi na ipokethi okanye i-scam abaculi abajikelezayo.
Kodwa ukuba awukwazi kakuhle into oyichithayo, uhlahlo lwabiwo-mali lwakho lweeholide lunokuphuma ngokukhawuleza kolawulo. Ezi zikhokelo, izixhobo kunye nezixhobo ziya kunceda.
UKUTSHINTSHA KWI-CURRENCY OKUBALULEKILEYO
I-UK iza kuzisa imali ye-£ 1 ngo-Matshi 2017. I-12-side side, i-tone-toni yesininzi iya kuba nzima ukukhohlisa. Namhlanje, into emangalisayo kuyo yonke i-80 yeeNgxowa zemali zesilivere iyinyumba. Ukuba u tyelela i-UK ngo-2016, qi ni sekisa ukuba uchithe zonke ezo mali zegolide, ezijikelezileyo ze-£ 1. Ungabalondolozi ngokutyelela kwakho ngokuzayo ngenxa yokuba ubuye ubuye ubuye uvakatye, imali entsha iyakusasazeka. Iimali zexesha elidala ziza kuhlala zithenda zomthetho kwiinyanga ezintandathu emva kokungeniswa kwemali yesilivere entsha.
Jonga ividiyo yecala entsha ye-£ 1.
IiNkokheli eziPhambili zeMali
Ngaphambi kokuba uphume ukuchitha imali, usetyenziswe kwizinto zaseBritani ezibukeka kwaye uzive ngathi.
Ungalokothi unikeze iincinci zemali njengentlawulo kwimarike, kumthengisi wesitrato okanye umqhubi weteksi, uthembele ukuba baya kuzinceda ngokwamanani afanelekileyo.
Imali yaseBrithani isekelwe kwi- pound sterling, edlalwa ngokuba yi-GB yamakhilogremu okanye " nje ."
Ezi ziyunithi eziphambili ukuzisebenzisa:
- Zemali
- I-Pound - i -golden color coin ephethe umgca, uhlangothi olulodwa luya kuhlala lugxininisa intloko kaKumkanikazi nangona imifanekiso ejikelezayo ingahluka.
- Amakhilogremu amabini - iilidi ezimbini zeengqekembe iyinkozo encinci, eneetoni ezimbini, malunga nobukhulu obufanayo ne-dollar yesilivere yaseDamerika. Yakhiwe nge-alloy-colored alloy phakathi kwendawo ejikelezwe ngendandatho ye-alloy-colored alloy.
- Ingqungquthela engamashumi amahlanu e-Pence okanye i-50p yemali- i-nickel enkulu, engama-7 e-nickel engqamle ixabiso elilingene nesiqingatha sepondo.
- I-Twenty Pence Piece okanye i-20p yemali-intsimbi encinane, engama-7 efana ne-pennies engama-20. Ngokuqhelekileyo ukuthungela ngakumbi kunokujonga ezinye iintsimbi zemali zesilivere.
- I-Pence eyishumi okanye i-10p yemali- i-silver-colored color coin malunga nobukhulu obufana nekota ye-US kodwa ngokuqhelekileyo ixabiso elincinci.
- Ingqungquthela yesihlanu yePence okanye i-5p yemali - Intsimbi encinci (ngobukhulu kodwa ingabi xabiso), yinto yesiliva kunye nobukhulu obufana ne-US dime.
- Icandelo lePence ezimbini okanye i-2p yemali -enkulu yeBrithani ezimbini zeebhedu. Ungavumeli ukuba ubukhulu bube budenge. Ngokuqhelekileyo kubalulekile malunga neekisi ezintathu.
- Penny okanye 1p - Incinci encinci yemali- ngexabiso - ngoku ejikelezayo. Le ngqekembe yembala yobhedu ihlala ixabisa malunga ne-1.5 cents US.
- Imali yePhepha leMali yeBrithani yemali yamaphepha ibizwa ngokuthi "amanqaku" kungekhona amatyala. Bonke banomfanekiso weNdlovukazi ngapha nangapha. Ezi ziqhelekileyo zisasazwayo -
- I-£ 5 okanye i-Five Pound Note - Ishicilelwe nge-bluhlaza eluhlaza okwesibhakabhaka nohlaza.
- I-£ 10 okanye i-Ten Pound Note - Ishicilelwe kwimithunzi ye-orange kunye nomdaka
- I-£ 20 okanye i-Twenty Pound Note - Ishicilelwe kwiimithunzi eziluhlaza okwesibhakabhaka, emfusa kunye negrey.
- Ezinye iingcebiso malunga namanqaku
- Ibhanki yaseScotland (ayifani neRoyal Bank yaseSkotland), iBhanki yaseNgilani kunye neebhanki eziliqela eMntla Ireland zikhupha amanqaku. Ngokuxhomekeke kwiliphi ibhanki yesizwe abavela kuyo, banokuba nemifanekiso eyahlukileyo epapashwe kubo. Zonke zisemthethweni kwaye zisetyenziswa ngemali yase-UK. Ngelishwa, abaninzi abancedisayo bevenkile, abashicileli kunye namabhalana eNgilani abayiboni imali yaseScotland okanye yaseMntla yase-Ireland kwaye bayenqaba ukuwamkela ezi ngxelo ngaphandle kokuxabana. Kuyacaphukisa kodwa, ukuba uhamba ukusuka kuloo malungu e-UK ubuyela eNgilani, zama ukuchitha imali yakho yendawo kulezo ndawo okanye unokuba utshintshisane ebhankini.
- Amanqaku amakhulu, nge-£ 50, ajikelezwa ngokubanzi kwaye unako ukuwanika ebhankini. Cela amaqela amancinci kuba amanqaku amakhulu kunzima ukuchitha.
Ngoko Yintoni Eyayifanele Kwimali Yakho?
Ilidi liye lahamba phakathi kwe-$ 1.54 kunye ne-$ 1.65 malunga neminyaka elishumi.
Njengomthetho wesithupha, ukuba unedola lee-US ukuchitha, ukwandisa isibalo esiboniswe kwiipounds ezi-sterling malunga ne-1.6 kuza kukunika uqikelelo olunzima lweendleko.
Ukuchaneka ngakumbi, sebenzisa enye yezixhobo ezininzi ze-intanethi kunye neenkqubo zokusebenza eziguqula amaxabiso e-UK kwimali yakho, ngokuzenzekelayo. Ezi zizona zilungileyo:
- I-Universal Currency Converter ijika ngokukhawuleza phakathi kweebhanki ezimbini - kwaye inokusingatha phantse nayiphi na imali onokuyicinga. Itholakala njenge-app ye-iphones kunye nezinye iifowuni ze-smart.
- I-Oanda.com iphinda ifumaneke njengenkqubo kwaye inesici esibalulekileyo. Ingakunika inqanaba lokutshintshiselana phakathi kwimihla edlulileyo. Oku kuncedo ukuba ubuye uhambe ukusuka eluhambeni kwaye ufuna ukwazi ukuba uchithile kangakanani okanye ukuba unomdla ekuthelekiseni oko uhambo olukubiza ngexesha elidlulileyo kumaxabiso namhlanje.
- khumbula ukuba zombini ezi zixhobo zibonisa intengiso okanye "i-interbank" rate kwaye ayinanto kwimali yokushintshaniswa kwemali kunye neerhafu zokuthenga imali yangaphandle. Ukuba wenza ubuninzi bezinto zakho zokuthenga ezinkulu - amathikithi, amagumbi ehotele, ukutya-kwi-credit card okanye kwi-debit card, iindleko zakho zemali ziya kuba kufuphi nomyinge we-interbank kunokuba uthenge imali kwizinga lokutyelela.
Kutheni amaxabiso angaguqukiyo kula maphepha?
Amaxabiso anikezelwa kwii-GB Pounds okanye "iipounds ezilinganayo" (kwaye ziboniswe ngophawu lwePhilile ) kuba kwihlabathi lanamhlanje, iindleko ziguquka kwixabiso, ngokumalunga nomnye, ngokuqhelekileyo - ngokuphindaphindiweyo ngamaxesha amaninzi ngosuku. Amanani aguqulelwe kwiiDola zase-US okanye iiYuro namhlanje zingaba zihluke kakhulu ngexesha ohamba ngalo. Xa amaxabiso aboniswa kwiipilili zombini kunye needola kukukhokelo olukhohlakeleyo kuphela kwaye akufanele kuthathelwe ngqalelo njengexabiso elichanekileyo lokushintshana.