Ukuhlela isabelomali sakho seholide nokugcina kuso kungaba yinselele uma konke kugugu ngamapounds futhi usetshenziselwa ukukhokha ngama-dollar. Nakhu ukuthi ungazikhandla ngokushesha ukuthi yiziphi izimpahla ezithengwa ngemali yase-UK ezifanele imali yakho.
Ukuma nxazonke ukwenza izibalo eziyinkimbinkimbi efonini yakho ehlakaniphile ukuze usebenzise kahle ukuthi uzokuchitha ukuphikisa kungakhungathekisa futhi kudle isikhathi lapho uhamba.
Kungakunaka futhi njengomuntu wezokuvakasha kunoma yiziphi izinkokhelo zokukhetha noma ukuhlambalaza abaculi abazungezile.
Kodwa uma ungazi ukuthi yini oyisebenzisayo, isabelomali sakho seholide singasheshe siphume ukulawula. Le mihlahlandlela, amathuluzi nezinhlelo zokusebenza kuzokusiza.
UKUPHILA OKUBALULEKILE OKUQALA
I-UK izoletha imali engu-£ 1 ngo-March 2017. Leli shinja elisha le-12, eliyi-toni lemali kuyoba nzima ukukhohlisa. Namuhla, okumangalisayo kuzo zonke izinhlamvu zemali ezingu-30 ze-UK kuyinkohliso. Uma uvakashela i-UK ngo-2016, qiniseka ukuthi uchithe yonke leyo mali yegolide, nxazonke i-£ 1. Ungabalondolozi ngokuvakasha kwakho okulandelayo ngoba ngesikhathi uvakashela futhi, imali entsha izobe isakazwa. Izinhlamvu zemali ezindala zizohlala ithenda yezomthetho izinyanga eziyisithupha emva kokufakwa kwezimali ezintsha zemali.
Buka ividiyo ye-$ 1 entsha yenhlamvu.
Izinkolelo Eziyinhloko Zamali
Ngaphambi kokuba uphume ukuchitha imali, ujwayele ukuthi imali yaseBrithani ibheke futhi uzizwa uthanda.
Ungalokothi unikeze izinhlamvu zemali ezincane njengokukhokhwa emakethe, kumthengisi womgwaqo noma umshayeli wetekisi, bethemba ukuthi bazozisiza ngokwezidingo ezifanele.
Imali yaseBrithani isekelwe emaphileni angu - pound, ngokuvamile ebizwa ngokuthi ama-GB amakhilogremu noma nje "amahle kakhulu."
Lezi yiziyunithi eziyinhloko okufanele zijwayele uku:
- Izinhlamvu zemali
- I-Pound - ihlamvu elimnyama elinemibala yegolide elinomphetho ohlangothini olulodwa, ohlangothini olulodwa luzohlale lukhishwa ikhanda likaNdlovukazi kuso nakuba isithombe esivela emuva singashintsha.
- Amakhilogremu amabili - inhlamvu yesibili yamakhilogremu iyinhlamvu esindayo, amabili-toned, mayelana nobukhulu obufanayo njenge-dollar yesiliva yaseMelika. Iqukethe i-alloy enemibala enesiliva phakathi nendawo ejikelezwe ngendandatho yelloyle enombala wegolide.
- Uhlamvu lwesihlanu lwe-Pence noma u-50p lwemali - inhlamvu enkulu enemibala engama-nickel engama-7 ebiza isigamu sekhadi.
- I-Pence Twenty Twenty noma i-20p yemali - imali encane, engamaceleni ayisikhombisa efana ne-pennies angu-20. Ngokuvamile ukuthungatha okuningi kunokubuka ezinye zemali ezinemibala esiliva.
- I-Pence eyishumi noma i-10p zemali - imali engcolile yesiliva enesiliva ngobukhulu obufana nekota ye-US kepha ngokuvamile iwufanele kancane kancane.
- Umshini wesihlanu we-Pence noma uhlamvu lwe-5p - Ihlamvu encane kunazo zonke (ngosayizi kodwa angabi nenani), liyibala eliyisiliva futhi lilingana nobukhulu obufana ne-US dime.
- I-Pence Two ye-Pence noma i-2p yemali - Inkulu yezinhlamvu zemali ezimbili zaseBrithani. Ungavumeli ukulingana kukukhohlise. Ngokuvamile kubalulekile cishe ngamasenti amathathu.
- I-Penny noma i-1p - Iyunithi encane kunazo zonke zemali-ngexabiso - manje ejikelezayo. Le mali yesibhakabhaka yethusi itholakala cishe ngama-1.5 cents US.
- Imali Yezinhlamvu Zephepha Lemali yamaphepha aseBrithani ibizwa ngokuthi "amanothi" hhayi izikweletu. Bonke banesithombe seNdlovukazi ngakolunye uhlangothi. Lezi yizona ezivame ukusakazwa -
- I-£ 5 noma i-Five Pound Note - Ishicilelwe nginki eluhlaza okwesibhakabhaka oluhlaza okwesibhakabhaka.
- £ 10 noma i-Ten Pound Note - Ishicilelwe emathunzini e-orange futhi ensundu
- I-£ 20 noma i-Twenty Pound Note - Ishicilelwe emasontweni eluhlaza okwesibhakabhaka, obomvu nokumpunga.
- Ezinye izeluleko mayelana namanothi
- Ibhange laseScotland (alifani neRoyal Bank yaseScotland), iBhange laseNgilandi , namabhange amaningana aseNyakatho Ireland bonke bakhipha amanothi. Kuye ngokuthi yiliphi ibhange likazwelonke abavela kulo, bangase babe nemidwebo ehlukahlukene ephrintiwe kubo. Zonke zisemthethweni futhi zisetshenziswa ngemali yase-UK. Ngeshwa, abaningi abasizi besitolo, abashicileli kanye namabhalane eNgilandi abaqapheli imali yaseScottish noma yaseNyakatho Ireland futhi benqaba ukwamukela la manothi ngaphandle kokuxabana. Kuyadabukisa kodwa, uma uhamba ukusuka kulezo zindawo zase-UK ubuya eNgilandi, zama ukuchitha imali yakho yendawo kulezo zindawo noma ungadingeka uzishintshe ebhange.
- Amanothi amakhulu, ama-£ 50, asakaza kabanzi futhi unganikezwa ebhange. Cela amahlelo amancane ngoba amanothi amakhulu kunzima ukuwasebenzisa.
Ngakho Yini Okufanele Ngayo Imali Yakho?
Iphadi likhule phakathi kuka-$ 1.54 no-$ 1.65 cishe iminyaka eyishumi.
Njengomthetho wesithupha, uma unamadola ase-US ongayisebenzisa, ukwandisa isibalo esiboniswe ngamakhilogremu amahle kakhulu cishe ngo-1.6 kuzokunika ukulinganisa okunzima kwezindleko.
Ukuze uthole ukunemba okuthe xaxa, sebenzisa eyodwa yamathuluzi amaningi we-intanethi nezinhlelo zokusebenza eziguqula izintengo ze-UK zibe yimali yakho, ngokuzenzakalelayo. Lezi zingcono kakhulu:
- I-Universal Currency Converter yashintsha phakathi kwezimali ezimbili - futhi ingakwazi ukusingatha noma iyiphi imali ongayicabangela. Itholakala njenge-app ye-iPhones namanye amafoni aphezulu amaningi.
- I-Oanda.com iyatholakala futhi njengenhlelo lokusebenza futhi inesici esengeziwe esiwusizo. Kungakunika isilinganiso sokushintshanisa isilinganiso kunoma yiziphi izinsuku esikhathini esidlule ozikhethayo. Lokhu kuyasiza uma ubuye ohambweni futhi ufuna ukwazi ukuthi uchithe kangakanani noma uma unesithakazelo ekuqhathaniseni ukuthi uhambo lwakho lukubiza kangakanani esikhathini esidlule kuya kwamanani namuhla.
- khumbula ukuthi zombili la mathuluzi akhombisa izinga lokuthengisa noma "interbank" futhi alinayo imali yokushintshanisa imali kanye namacala okuthenga imali yangaphandle. Uma wenza okuningi kokuthengwa kwakho okuyinhloko - amathikithi, amakamelo ehhotela, ukudlela - ekhadini lesikweletu noma debit, izindleko zakho zemali zizobe ziseduze nesilinganiso se-interbank kunokuba uthenge imali kumazinga ezokuvakasha.
Kungani amanani angaguqulwa kulawa makhasi?
Amanani anikezwa ngama-GB Pounds noma "amapounds angu-sterling" (futhi aboniswa nge-symbol ye-£ ) ngoba ezweni lanamuhla, izimali zishintsha ngokubaluleka, maqondana nomunye nomunye, kaningi - ngokuvamile izikhathi eziningana ngosuku. Amanani aguqulelwe amaDola ase-US noma ama-Euro namuhla angase ahluke kakhulu ngenkathi uhamba. Uma amanani aboniswa kokubili amakhilogremu kanye ne-dollar kungenxa yesikhombiso esibi futhi akufanele kuthathwe njengenani elifanele lokushintshaniswa.