I-Smart Money Advice
Xa uhamba ngaphesheya kwezilwandle, mhlawumbi uya kufuna imali yendawo ukuba ujikeleze kwaye wenze ukuthenga okuncinci (ezinkulu ziqhele ukuhlawulwa). Ukwenza njalo, kuya kufuneka utshintshe imali yakho (njengamaDola wase-US okanye iiYurophu) zeemali kunye nemigqabantshintshi yelizwe.
Ekubeni iirhafu zokutshintshiselana kwemali zihluka ukusuka kwindawo ukuya endaweni kwaye imihla ngemihla, apho kwaye utshintshiselana ngemali ungenza umahluko kwi-wallet yakho.
Ngokwemvelo, uya kufuna ukufumana amaxabiso aphezulu apho uya khona. Ngoko qalisa uhlakaniphile:
Converter Exchange Converter
Ngaphambi kokuba uhambe, funda ukuba isantya sokutshintshiselana kwemali kwilizwe uceba ukutyelela ngokusebenzisa i-Universal Currency Converter. Iinguqulelo zamahhala kunye neeprogram ze-XE Currency App zifumaneka kwii-iPhones kunye ne-Android.
Kuyo nayiphi na ifomathi oyisebenzisayo, le nkonzo ibonelela ngolu hlobo lwamazinga atshintsho olutsha, ngokusekelwe kwinqanaba eliphakathi phakathi kokuthenga nokuthengisa iintengo zeentengo ezinkulu kwiimarike zemali yehlabathi.
Ukutshintshiselwa kwemali ngaphambi kokuba uhambe ekhaya
Abaninzi abahambahambayo, ngokukodwa abo bahamba ngokude kunye nokufika kwelinye ilizwe ekuqaleni kwemini okanye kusebusuku xa iibhanki kunye needkski zokutshintshiselana ngemali zivaliwe, zikhetha ukufumana imali encinci yemali yangaphandle ngaphambi kokuhamba uhambo.
Ukuba neendawo ezilingana ne-US $ 100 ephaketheni lakho kudla ngokwaneleyo ukuhlawula i-cab ehambayo ukuya kwindawo oya kuyo, i-snack, kunye neziganeko ezincinane ngaphandle kokuba ufune ukutshintshiselana kwemali evulekileyo kwishishini.
Kwiidolophu ezinkulu, iibhanki ezinkulu kunye nee-arhente zokuhamba ngezinye iinkqubo zibonisa ideski yokutshintshiselana ngemali. Ezinye ihotele zinikezela ngoku njengesidima, kodwa izinga labo lokutshintshisana alisoloko lilungile njengebhanki.
Kuphi ukufumana iiRhafu eziPhambili zokuTshintshiselwa kweMali
Ukufumana isantya sokutshintshisana, linda uze ufike kwindawo oya kuyo.
Nangona ezininzi zeenqwelo-moya ziquka ideskithi yokutshintshiselana ngemali, unokufumana iqondo elingcono ngqo ukusuka kumatshini we-ATM enxulumene nebhanki enkulu.
Amakhadi e-ATM amaninzi asebenzayo ngaphandle kweengxaki ngaphandle kwezilwandle anabo abaneenombolo ezine-PIN yeenombolo ezine. Ekubeni unakho ukuhlawulwa intlawulo yokusetyenziswa kwebhanki yendawo kunye neziko lakho lekhaya, kucetyiswa ukuba wenze enye inkulu esikhundleni sezinto ezincinane zokuhoxiswa xa kunokwenzeka - kwaye ugcine imali yakho kwindawo ekhuselekileyo ngaphandle kwebala lokukhetha.
Ukusebenzisa iKhadi leMatyala kwiNguqulelo yeMali
Ngethuba nje unenombolo yePIN yokusebenza, mhlawumbi unokusebenzisa i-credit card okanye debit card ukuze ufumane imali ngaphandle kwemali. Amakhadi okuthenga ngetyala kunye ne-chips yinto eyamkelekileyo kwihlabathi jikelele.
Fumana ukuba kukho imishini yemakhadi ye-ATM apho uya kuhamba khona:
- I-MasterCard / i-Cirrus ATM Locator
- I-Locator ATM Locator
Ukuba nekhadi lekhredithi luncedo xa uhamba. Ngomnye, akudingekile ukuba kuthwale imali epheleleyo. Sebenzisa ikhadi lekhredithi kunokuba imali ihlawule iindleko ezinkulu, ezifana nezindleko zeehotele kunye nokuthenga okukhulu, kuba uya kufumana irhafu. Ukuba ibhasoti iyaphikisana, inkampani yakho yekhadi lekhredithi inakho ukukunceda ukulungisa loo nto xa ufika ekhaya.
Nceda ugcine engqondweni, nangona kunjalo, ukuba uninzi lweenkampani zekhadi lesikredithi lihlawula imali eyongezelelweyo yokusetyenziswa kwamanye amazwe. Ukuba awuqinisekanga, jonga inkampani yakho ngaphambi kokuba uhambe ekhaya.
Imali yabatyeleli ngaphandle kwe-ATM okanye iKhadi leKhadi
I-American Express inikezela ngamakhadi e-American Express Gift. Efana nekhadi lokubhadela ngaphambi kokuhlawulwa, lawa makathengi abathengi ukuya kwii-3,000 zama-dollar kwikhadi lomrhumo wokumisela kwaye uhoxise kwi-$ 400 imihla ngemihla kwi-ATM ebonisa i-logo ye-American Express.
Abantu abaselula abaneminyaka eli-18 okanye ngaphezulu abangenawo amakhadi-mboleko kunye nabantu abanekhredithi embi bangafuna ukuthenga ikhadi elikhokhelwa ngaphambili kwiVisa okanye Mastercard.
Iimvavanyo zokuhamba
Njengoko iikredithi kunye namakhadi e-ATM sele adume kakhulu, abantu abambalwa nabambalwa bakhetha ukuya kwiinkathazo zokuthenga iitsheki zokuhamba. Nangona kunjalo, bahlala bekhuselekile indlela yokuphatha imali.
Yintoni oyenzayo kunye neReftover Currency
Kwiimeko ezininzi, uya kuba nemali yelizwe langaphandle ekhohliweyo ngelixa ulungele ukubuyela ekhaya.
Nantsi into onokuyenza ngayo:
- Yisebenzise ngezipho zenu, abahlobo, okanye intsapho kwisikhululo-moya esitolo esingenasiphelo kunye neentlanzi zokuzonwabisa ukuze nithobele ekhaya
- Nikele kwi-charity. Fumana indawo yokwenza oku kwinqanaba leesikhumulo sezindiza okanye uyithumele kwiNkqubo ye-UNICEF yoTshintsho eNtle, enceda abantwana emhlabeni jikelele
- Yiguqulele kwimali yakho yasekuhlaleni kwisikhululo
- Yishintshe xa ufika ekhaya
- Gcina njengesikhumbuzo sohambo lwakho
Xa Ungafuneki Ukutshintshiselwa kwemali
Abathengisi kwamanye amazwe bamkela iidola zaseMelika esikhundleni semali yendawo. Oku kuqhelekileyo kwiintlanga ezininzi zaseCaribbean, kuquka neBahamas. Nangona oku kube lula, unakho ukuhlawula imali encinci kwimpahla kunye neenkonzo xa usebenzisa imali yasekuhlaleni.