Ii-ATM, iiKhadi zeMatyala, iiKhenkethi zeeKhenketho, kunye neengcebiso zeMali yasePhilippine
Ukulawula imali kwiiPhilippines ngelixa uhambo luhamba ngokulula, nangona kunjalo kukho izicathulo ezimbalwa omele uziqaphele ngazo.
Njengoko xa ungena kweli lizwe elitsha okokuqala, ukwazi okuncinane ngemali ngaphambili kusinceda ukuphepha izikhwama ezijolise kwi-newbies .
I-Philippine Peso
I-peso yasePhilippine (ikhowudi yemali: PHP) yimali esemthethweni yasePhilippines. Amanqaku anombala afika kwiinkonzo ezili-10 (ezingaqhelekanga), 20, 50, 100, 200 (ezingaqhelekanga), ama-500 kunye no-1,000.
I-peso ikwahlukana ngokuphindwe kuma-cent centos, nangona kunjalo, awuyi kuqhathaniswa nokujongana okanye uhlangabezane nale mali.
Amanani asePhilippines pesos achazwe ziimpawu ezilandelayo:
- "Imali" (esemthethweni)
- P
- P $
- PHP
Imali eshicilelwe ngaphambi kwe-1967 inegama lesiNgesi elithi "peso" kulo. Emva kowe-1967, igama lesiPhilippines elithi "piso" (alibhekiseli kwigama lesiSpain elithi "umgangatho") lisetyenziswe endaweni yoko.
Amadola ase-US ngamanye amaxesha amkelwe njengendlela efanelekileyo yokuhlawula kwaye asebenze kakuhle njengengxowamali yexakeka. Ukuthatha iidola zase-US ngelixa ehamba e-Asia yinto efanelekileyo yezoxakeka. Ukuba uhlawula intlawulo ecatshulwe kwiidola kunokuba i-pesos, yazi ixabiso lokutshintshiselwa kwamanje .
Iphulo: Xa uhamba ePhilippines, uya kugqitywa ngeemali ezinzima, ngokuqhelekileyo i-1-peso, i-5-peso kunye ne-10-peso zemali-zigcine! Iimali zemali ziza kuneneka kakhulu kwiingcebiso ezincinci okanye ukuhlawula abaqhubi bee jeepney .
Amabhanki nama-ATM ePhilippines
Ngaphandle kwimizi emikhulu, ukusebenza kwama-ATM kunokuba nzima ukufumanisa.
Ngaphandle kweziqithi eziqhelekileyo ezifana nePalawan, iSiquijor , iPanglao, okanye abanye baseVisayas, kunokuthi kubekho enye i-ATM yomhlaba wonke kwi-port. Iphutha kwicala elikhuselekileyo kunye ne-stock up cash ngaphandle kokuba ufike kwiiqithi ezincinci.
Ukusebenzisa ii-ATM ezinxulumene neebhanki zihlala zikhuselekileyo. Umelela ithuba elingcono lokubuyisela ikhadi xa lithathwa ngumshini.
Kwakhona, ii-ATM kwimimandla evulekileyo kufuphi neebhanki zingenakuncipha ukuba zibe nefowuni yokukhupha iifowuni efakwe ngamasela. Ubusela bokuba yiyo yinkinga ekhula ePhilippines.
Ibhanki yeZiqithi zasePhilippine (BPI), i-Banco de Oro (BDO), kunye ne-MetroBank ngokuqhelekileyo isebenza kangcono kumakhadi angaphandle. Imida iyahluka, kodwa i-ATMS eninzi iya kuhambisa i-pesos ukuya kwi-10 000 pesos nganye. Unokuhlawuliswa umrhumo we-200 pesos ngokuthengiselana (malunga ne-US $ 4), ngoko thabatha imali eninzi ngangokunokwenzeka ngexesha lomsebenzi ngamnye.
Iphulo: Ukuphepha ukuphela kweebhanki eziyi-1000-peso ezivame ukuzinqumla, phelisa inani lakho eliceliwe nge-500 ukuze ubuncinane ufumane inqaku elingu-500-peso (umzekelo, cela ama-9 500 kunama-10,000).
Abahambi bahlola kwiiPhilippines
Abahloli bahambayo abavumi ukuba bafumane utshintsho kwiiPhilippines. Cwangcisa ukusebenzisa ikhadi lakho kuma-ATM ukuze uthole imali yendawo.
Ukufumana ukhuseleko olongezelelweyo, udibanisa imali yakho yokuhamba. Zile iidola ezimbalwa zeedola zase-US uze uzifihle i-$ 50 ngaphakathi kwindawo engenakwenzeka (fumana ubuchule!) Kwimithwalo yakho.
Ukusebenzisa iiKhadi zeMatyala ePhilippines
Amakhadi eitaliti ayenceda kuphela kwizixeko ezinkulu ezifana neManila kunye neCebu. Baya kuphinda basebenze kwiindawo ezinokhenketho ezifana neBarayay.
Amakhadi okuthenga ngetyala ayenokulungelelanisa ukuhamba ngeenqwelo ezimfutshane zasekhaya kunye nokuhlawula kwihotele ze-upscale. Unokuhlawula iikholeji zokudibanisa ngekhadi lesikweletu. Ukuthengiselana kwansuku zonke, cwangcisa ukuxhomekeka kwimali. Amashishini amaninzi ahlawulisa ikhomishini eyongezelelweyo ukuya kwi-10% xa uhlawula ngeplastiki.
I-MasterCard kunye neVisa yizona zamakhadi ezithandwa kakhulu kwiiPhilippines.
Iphulo: Khumbula ukwazisa i-ATM yakho kunye neebhanki zamakhadi zekrediti ukuze zikwazi ukubeka isaziso sokuhamba kwi-akhawunti yakho, ngaphandle koko zingayenza ikhadi lakho ngokukhwabanisa!
Horde Inguqu Yakho Encinci
Ukufumana nokugcina inguqu encinci ngumdlalo othandwayo kwi-Asia-mpuma yeAsia wonke umntu owenzayo. Ukuphula amanqaku amakhulu-1-peso - kwaye ngamanye amaxesha amanqaku e-500-peso - amatsha avela kwi-ATM ingaba ngumngeni wangempela kwiindawo ezincinci.
Yakha isabelo esihle semali kunye neentlawulo ezincinane zokuhlawula abaqhubi kunye nabanye abahlala becinga ukuba bangatshintshi - banethemba lokuba uya kubavumela ukuba bagcine umehluko!
Ukusebenzisa amanqaku amakhulu eenkcukacha kwiibhasi kunye nexabiso elincinci libhekwa njengefomu elibi .
Namaxesha onke zama ukuhlawula kunye nenani elibalulekileyo lomntu oza kumkela. Kwi-pinch, unokuphulaphula iindibano ezinkulu kwiindawo zokuxakeka, kwiindawo zokutyela ezikhawulezayo, ezinye iingu-minimarts, okanye uzame inhlanhla yakho kwivenkile okanye esitolo.
Haggling ligama lomdlalo kwiindawo ezininzi zasePhilippines. Izakhono ezinxibelelwano ezilungileyo ziya kuhamba ixesha elide ekuncedeni ukugcina imali.
Ukugxina ePhilippines
Ngokungafani nomgaqo wokubambisa kwi-Asiya enkulu , imithetho yokugxotha ePhilippines yinto encinci. Nangona i-freeity ngokuvamile ayidingekanga, "iyanconywa kakhulu - ngamanye amaxesha kuyakulindelwa - kwiimeko ezininzi. Ngokuqhelekileyo, zama ukuvuza abantu abanomqondiso omncinane wokubonga abahamba ngeyure eyongezelelweyo ukukunceda (umzekelo, umqhubi ophethe iibhegi zakho yonke indlela egumbini lakho).
Kuqhelekile ukujikeleza iintlawulo zabaqhubi kunye mhlawumbi baze banikeze into encane yokufumana inkonzo yobungqina. Musa ukuqhuba abashayeli bamatekisi abaqale baxhamla kwisicelo sakho sokuvula imitha. Iindawo zokutyela ezininzi zifumana intlawulo yeenkonzo zee-10 kwiimali-mali, ezinokuthi zingasetyenziswanga ukuhlawula umvuzo ophantsi lwabaqeshwa. Unokushiya imali encinci yamanani kwitafile ukuze ubonise ukubonga ngenkonzo enkulu.
Njengoko kunjalo, ukhetha ukuba uthabathe okanye ungayifuni i-instinct ezayo nexesha. Njalo ucofa ukhetho ngokusebenzisa imithetho yokugcina ubuso ukuqinisekisa ukuba akukho mntu ubangelwa kukuhlazeka.