Ukushintshaniswa kwezezimali eziyisisekelo zabahambi
Uma uhambo lwakho lokuhamba luyisa kuwe kwelinye izwe, kuzodingeka unqume ukuthi uzokuguqula kuphi imali yakho yokuhamba emalini yangakini nokuthi uzokuguqula kanjani. Uzodinga ukuthatha izici eziningana, kubandakanya izindleko zokushintshwa kwamazinga.
Amanani okushintshwa kwemali
Isilinganiso sokushintshwa kwemali sikutshela ukuthi imali yakho ibaluleke kangakanani emalini yendawo. Uma ushintshanisa imali yakho, empeleni uyayisebenzisa ukuthenga noma ukuthengisa imali yangaphandle ngenani elithile, esiyibiza ngezinga lokushintshaniswa.
Ungathola izinga lokushintshanisa ngokusebenzisa i-converter yemali, ukufunda izibonakaliso kumabhange wendawo kanye nezinkampani zokushintshanisa zemali noma ngokuhlola iwebhusayithi yesaziso semali.
Abaguquli bemali
I-converter yemali iyithuluzi elikutshela ukuthi inani elinikiwe lemali lifanelekile emalini yangaphandle ngezinga lokushintshanisa lanamuhla. Ngeke ikutshele ngemali noma amakhomishini ongayikhokha ukuze ushintshe imali yakho. Kunezinhlobo eziningana zeziguquli zemali.
Amawebhusayithi
I-X e.com kulula ukuyisebenzisa futhi ilayishwe ngolwazi. Ezinye izindlela zihlanganisa i-Oanda.com ne-OFX.com. Umshintshi wezimali we-Google ayi-amathambo, kepha isebenza kahle.
Izinhlelo zefoni yeselula
I-Xe.com inikeza izinhlelo zokusebenza zamahhala eziguquguqukayo ze-iPhone, i-iPad, i-Android, i-BlackBerry ne-Windows Phone 7. Uma ungafuni ukulanda uhlelo lokusebenza, i-xe.com inikeza isayithi lemali yeselula elizosebenza kunoma iyiphi idivayisi yeselula ene-inthanethi yokuxhumana . I-Oanda.com ne-OFX.com inikeza nezinhlelo zokusebenza zeselula.
Ama-Converter ezimali ezimele
Ungathenga idivayisi ephethe ngesandla eguqula enye imali kwenye. Uzodinga ukufaka isilinganiso sohwebo lwemali ngosuku ngalunye ukuze usebenzise kahle i-converter. Abaguquli bemali bayasiza ngoba ungawasebenzisa ukuhlola amanani ezitolo nasezintweni zokudlela, abasebenzisi idatha ye-smartphone yakho kanye nolwazi olulodwa okumele ulufake kuyinani lokushintshanisa ngemali.
I-Calculator
Ungasebenzisa i-calculator yefoni yakho yeselula ukuze uthole izindleko zezinto ezikude lwemali yakho yasekhaya. Uzodinga ukubheka izinga lokushintshaniswa nosuku ukwenza lokhu. Isibonelo, ake sithi into ithengiswa ngama-Euro angu-90 kanti i-Euro kuya ku-dollar yezinga lika-$ 1 = 1.36 ama-Euro. Yandisa inani elingu-1.36 ukuze uthole intengo emaRandi ase-US. Uma izinga lakho lokushintshaniswa lihle, lichazwe kuma-US dollar kuya kuma-Euro, kanti izinga lokushintshaniswa ngu-$ 0.73 kuya ku-1 Euro, kufanele uhlukanise intengo ema-Euro ngo-0.73 ukuze uthole intengo emaRandi ase-US.
Thenga Amanani futhi uthengise Amanani
Uma ushintshanisa imali yakho, uzobona amanani amabili okushintshaniswa ahlukene athunyelwe. Isilinganiso "sokuthenga" yisilinganiso lapho ihhovisi lezokushintshanisa ibhange, lehhotela noma lezezimali lizokuthengisa khona imali yabo yangakini (bayathenga imali yakho), kanti izinga "lokuthengisa" lilinganiselwa lapho bazokuthengisa khona ngaphandle (isib. imali yakho yangakini). Umehluko phakathi kwamazinga amabili okushintshaniswa yinzuzo yawo. Amabhange amaningi, amahhovisi okushintshanisa imali kanye namahhotela abuye akhokhe imali yokusiza flat ukushintshanisa imali yakho.
Imali Yokushintshwa Kwemali
Ukushintshanisa imali akuyona mahhala. Uzokhokhiswa imali, noma iqembu lezindleko, njalo uma ushintsha imali. Uma uthola imali yangaphandle kusuka ku-ATM, uzokhokhiswa imali yokuguqula imali ngebhange lakho.
Ungakhokhiswa imali yokuthengiselana, njengoba ubuya ekhaya, kanye nemali engekho ikhasimende / engeyona yenethiwekhi. Izimali ezifanayo zisebenza uma usebenzisa ikhadi lakho lesikweleti ku-ATM ukuthola imali esengaphambili.
Izimali zihluka ngehhovisi lasebhange kanye nezimali zokushintshanisa imali, ngakho-ke ungase ufune ukuchitha isikhathi esincane ucwaninga futhi uqhathanise nemali ekhokhwa amabhange ovame ukusebenzisa.
Ungayitshintsha Kanjani Imali Yakho?
Kunezindawo eziningana ongashintsha ngayo imali, kuye ngokuthi uhamba nini nokuthi nini.
Ekhaya
Uma une-akhawunti ebhange elikhulu, ungakwazi ukuyala imali yangaphandle ngaphambi kokuba usuke ekhaya. Izimali zokuthengiswa kwaloluhlobo lwemali lwemali zingaba phezulu, ngakho-ke yenza ezinye izibalo ngaphambi kokunquma ukuyala imali kusuka ebhange lakho. Ungathenga futhi imali yamanye amazwe ngenkokhelo noma ekhadini lokukhokhwa ngaphambi kokukhokhelwa kusuka ku-Travelex. Lokhu kungaba inketho ebiza kakhulu, ngoba ngeke uthole izinga lokushintshanisa kakhulu futhi kuzodingeka ukhokhe imali yokuthumela uma u-Travelex ethumela imali noma ikhadi ekhaya lakho noma ephuma esikhumulweni sezindiza.
Amabhange
Uma ufika lapho uya khona, ungashintsha imali ebhange. Letha ipasipoti yakho ukuze uthole ukuhlonza. Lindela inqubo ukuthatha isikhathi esithile. ( Ithiphu: Amanye amabhange, ikakhulukazi e-US, azoshintshanisa imali kuphela kumakhasimende abo. Yenza ucwaningo ngaphambi kokuba usuke ekhaya ukuze ungabanjwa ngokumangala.)
Ama-Automated Teller Machines (ATM)
Ngemuva kokufika ezweni lakho eliya khona, ungasebenzisa ikhadi lakho lokudonswa, ikhadi lesikweletu elikhokhelwa ngaphambili noma ikhadi lesikweletu kuma-ATM amaningi ukuhoxisa ukheshi. Phrinta ohlwini lwe-intanethi ye-Visa ne-MasterCard ene-ATM ngaphambi kokuba ushiye ekhaya; lokhu kuzokwenza usesho lwakho lwe-ATM lube nzima kakhulu. ( Ithiphu: Uma ikhadi lakho linamakhodi amadijithi amahlanu, kuzodingeka ukuthi ibhange lakho lishintshe ku-PIN yezindijithi ezine ngaphambi kokuba ushiye ekhaya.)
Izikhumulo zezindiza kanye namachwep
Izindiza zezindiza ezinkulu nezindawo eziphakathi nendawo, zinikezela ngezinsizakalo zokushintshanisa imali (ngokuvamile ziphawulwe ngokuthi "Bureau of Change") ngeTravelex noma enye inkampani yokuthengiswa kwezimali zangaphandle. Izindleko zokuthengiswa zivame ukuphakama kulezi zindawo zokushintshanisa imali, kodwa kufanele ucabange ukushintshanisa imali encane esikhumulweni sezindiza sakho noma echwebeni ukuze ulandele kuze kube yilapho ungathola i-ATM noma ibhange. Uma kungenjalo, ngeke ukwazi ukukhokhela ukuhamba kwakho ehhotela lakho noma ukudla kwakho okokuqala ezweni.
Amahhotela
Amanye amahhotela amakhulu akhipha izinsizakalo zokushintshanisa ngemali kuzivakashi zawo. Lokhu ngokuvamile kuyindlela ebiza kakhulu yokushintshanisa imali, kodwa ungathola ukuthi uyayibonga ngalolu khetho uma kwenzeka ufika ezweni lakho eliya khona ngosuku lapho amahhovisi amabhange kanye nokushintshanisa imali evalwa.
Amathiphu Wokuphepha Kwezezimali
Tshela ibhange lakho mayelana nohambo lwakho oluzayo ngaphambi kokuba ushiye. Qiniseka ukuthi unikeza ibhange elimelele uhlu lwawo wonke amazwe ohlela ukuwavakashela. Lokhu kuzovimbela ibhange lakho ekubekeni ibhokisi ku-akhawunti yakho ngoba iphethini yakho yokuthengiselana ishintshile. Uma uhlela ukusebenzisa ikhadi lesikweletu elikhishwe yinhlangano yezikweletu noma esinye isikhungo (isib. I-American Express), thintana naye nkampani yekhadi lesikweletu, futhi.
Nakuba ukuhoxisa imali eningi kusuka ku-ATM kuzonquma izindleko zakho zokuthengiselana ngokugcwele, akufanele neze uthwale leyo mali esikhwameni sakho. Faka imali ebhande elinemali futhi ubeke imali yakho.
Qaphela indawo ozungezile njengoba ushiya i-ATM noma ibhange. Amasela ayazi ukuthi iyiphi imali. Uma kunokwenzeka, vakashela amabhange nama-ATM ngesikhathi samahora.
Letha ikhadi lesikweletu lesipele noma ikhadi lesikweletu elikhokhelwa ngaphambili uma ngabe ifomu lakho eliyinhloko lemali yokuhamba libiwe noma lilahlekile.
Londoloza amarisidi akho. Hlola ngokucophelela isitatimende sakho sasebhange kanye nekhadi lesikweletu uma ubuyela ekhaya. Shayela ibhange lakho ngokushesha uma ubona noma yiziphi izinkokhelo eziphindaphindiwe noma ezingagunyaziwe.