Uma usuhlele uhambo lwakho, sekuyisikhathi sokufika phansi emininingwaneni. Ngeke ufike kude kakhulu ngaphandle kwamandla okukhokha ukuhamba kwakho. Uma ungeke unqume ukuthi uzoletha ikhadi lesikweletu noma isisindo sabahloli abahamba ngezinyawo, cabanga ngezinzuzo nezindleko zezindlela eziningi ezahlukene zokukhokha izindleko zakho zokuhamba.
Ake sibheke izinzuzo nezindleko zohlobo ngalunye lwemali yokuhamba.
Cash
Izinzuzo
- I-Cash ilula. Uma uhamba ezweni lakini, akudingeki uthole amabhange noma ama-ATM.
- Uma uvakashela kwelinye izwe, cishe uzokhokha kancane ukushintshanisa imali ngemali yangakini kunokuba uzokhokha usebenzisa enye indlela yokukhokha.
I-Cons
- Ikheshi ingozi yokuphepha; kungabiwe kalula futhi ngeke kushintshwe.
- Kuyinto enzima futhi engafanele ukuthwala. Uzodinga ukugqoka ibhande lemali noma isikhwama.
- Uma uhamba phesheya, kuzodingeka uvakashele amabhange ukuze ushintshe imali yakho ngemali yendawo.
I-debit card
Izinzuzo
- Ikhadi lokudonswa, elivikelwe kahle, alikwazi ukubiwa kalula njengekheshi.
- Uma nje ikhadi lakho lokudonsa liyingxenye yenethiwekhi enkulu, njenge-Plus noma i-Cirrus, ungayisebenzisa emazweni amaningi .
- Ungavakashela i-ATM futhi usebenzise ikhadi lakho lokudonsa ukuze udwebe ngokuzenzakalelayo lwemali yendawo. Ukuguqulwa kanye nemali yokuthengiselana kuzovela esitatimendeni sakho sasebhange.
- Ukusebenzisa ikhadi lesikweletu kungakusiza ukuthi uhlale ngaphakathi kwesabelomali ngoba ikhadi lithatha imali ku-akhawunti yakho yokuhlola. Uma uphume, uphume.
- Amakhadi we-Debit amancane futhi kulula ukuthwala ngokuphepha.
I-Cons
- Ikhadi lakho lokukhipha imali angeke lisebenze kuyo yonke imishini ye-ATM lapho uya khona, ngakho-ke uzodinga ukuletha idokhumenti yesipele noma ikhadi lesikweletu.
- Uma uhambo oluya phesheya, ikhadi lakho lokudonsa cishe ngeke lamukelwe ezitolo noma ezitolo zokudlela. Uzodinga ukuthwala imali ngezindleko zansuku zonke.
- Ezindaweni zasemaphandleni, ukuthola i-ATM engxenyeni yenethiwekhi yakho kungaba nzima. Kuzodingeka uhlele phambili futhi uhoxise imali eyanele ukuze uhlangabezane nezidingo zakho uze ubuyele edolobheni noma edolobheni.
- Ukusebenzisa i-ATM akuyona mahhala ngaphandle kokuthi usebenzise imishini yakho yasebhange. Uma uhamba ngaphandle kwenethiwekhi yebhange lakho, uzokhokhiswa imali yokusebenzisa i-ATM engeyona uhlelo. Uma usebenzisa ikhadi lakho lokukhipha imali ku-ATM yasebhange langaphandle, uzokhokhiswa imali ehlukile yokusebenzisa umshini nokuguqula izimali zakho ngemali yendawo.
- Uzodinga ukwazisa ibhange lakho ukuthi uzosebenzisa ikhadi lakho lokukhipha imali ngaphandle . Uma uhluleka ukwenza lokhu, ungathola ukuthi umnyango we-anti-fraud we-banki umise ikhadi lakho lokukhipha imali, okwenza kube nzima ukuba ulisebenzise ukuze uthole imali.
- Kungadingeka ushintshe iphinikhodi yakho. Kwamanye amazwe, ama-ATM ngeke ahlaziye amaphini ngezinombolo ezine. Kwabanye, i-PIN ne-zero ngeke isebenze.
- Awukwazi ukuthola ukwedlula imali ngekhadi lakho lokukhipha imali. Ungase ufise ukuletha uhlobo oluthile lwemali yokuhamba ngezimo eziphuthumayo.
- Izikhwama ze-ATM zivame . Zifundise futhi ufunde ukuzigwema.
Abahambi Bahlola
Izinzuzo
- Ukuhlola abahambi bavikelekile; zingashintshwa uma zibiwe futhi zidinga isignesha esetshenziswayo.
- Ungathenga abathengi ukuhlola kwezinye zezimali ezingaphandle, kuhlanganise ne-Euro, i-pound yaseBrithani, i-yen yaseJapane ne-dollar yaseCanada.
I-Cons
- Ukuhlola abahambi kungabiza ukuthenga. Uvame ukuhlolwa inkokhelo yesevisi, futhi uzokhokha futhi imali yokuthumela uma uwayala ku-intanethi.
- Abahloli abahambayo bangakhululekile ukuthwala isikhwama semali noma ibhande.
- Uma uhamba phesheya, kuzodingeka uye ebhange noma ehhovisi lekampani lakho lokukhipha ukuhlola abahloli abahamba ngemali yangaphandle. Kuzodingeka uhlele uhambo lwakho eduze kwamahora asebhange.
- Akubona bonke abathengisi noma amabhange azokwamukela ukuhlolwa kwabashayeli, ngisho nalabo bezimali zabo zendawo. Abahwebi bangakukhokhisa imali uma ufuna ukukhokha ngokuhlola abahambi.
- Abahloli abahambayo basuke bengasebenzi. Abaningi abahambayo abawasebenzisi.
Amakhadi Wokuhamba Okukhokhelwayo
Amakhadi okuhamba akhokhelwayo, afana ne-Visa TravelMoney, abukeka njengekhadi lesikweletu kepha umsebenzi ufana nabahambayo abahlola. Wena "ulayishe" ikhadi ngemali kusuka ku-akhawunti yakho yasebhange. Uyisebenzisa njengekhadi lesikweletu kuma-ATM futhi uthanda ikhadi lesikweletu kubathengisi namahhotela. Ungathatha indawo yekhadi lokuhamba elikhokhelwayo noma elibiwe ngaphambi kokuthi uhambele.
Izinzuzo
- Amakhadi okuhamba angcono ukuthwala.
- Ikhadi ngalinye lokuhamba linenombolo ye-PIN yokuphepha okwengeziwe.
- Amakhadi okuhamba ayindlela evikelekile yabantu abangenawo ama-akhawunti asebhange noma amakhadi esikweletu.
I-Cons
- Uzokhokha imali ephezulu ukuze usebenze futhi ulayishe ikhadi lakho.
- Izinkokhelo zokuthengiswa kwezimali zangaphandle ziphezulu kakhulu. Ngaphansi kwezimo ezithile, izimali zingaba ngu-7% wokuthengiselana kwakho konke.
- Amakhadi okuhamba angaba nzima ukusebenzisa kabanzi, ikakhulukazi kumabhange angaphandle 'Imishini ye-ATM.
Amakhadi esikweletu
Izinzuzo
- Amakhadi esikweletu alula ukuthwala.
- Ungashintsha ikhadi lakho lesikweletu uma lilahlekile noma libiwe.
- Ungalondoloza ihhotela lakho nemoto yokuqasha ekhadini lakho lesikweletu futhi ukubhuka kwakho kuzoqinisekiswa, ngisho noma ufika isikhathi sekwephuzile.
- I-MasterCard ne-Visa yamukelwa ezindaweni eziningi emhlabeni jikelele.
- Ungathola imali yentuthuko kusuka kumishini ye-ATM, ngemali.
I-Cons
- Abahwebi abangenangqondo bangaba imininingwane yakho yekhadi lesikweletu futhi basebenzise i-akhawunti yakho. Ungakwazi ukuphikisana namacala okukhwabanisa futhi uwathathe ususwe ku-akhawunti yakho, kodwa ukwenza kanjalo inqubo ende, ecasulayo. Ungadinga ukukhansela ikhadi lakho ngokuphelele ukuxazulula izinkinga zokukhwabanisa ..
- Amakhadi esikweletu angeke avunywe emahoreni nasezindaweni zokudla, ngakho-ke uzobe usadingeka ukuthwala imali yokuthenga okuthile kanye nezimo eziphuthumayo.
- Amabhange angeza izimali zesevisi ngemali yokuthengiswa kwemali yangaphandle. Thola ukuthi yiziphi izindleko zebhange lakho ngaphambi kokunquma ukusebenzisa ikhadi lakho lesikweletu phesheya.
- Njenganoma yikuphi ukuthengiswa kwekhadi lesikweletu, uzokhokha inzalo ekuthengeni kwakho kokuhamba ngaphandle kokuthi ukhokhe ibhalansi yakho ngokugcwele inyanga ngayinye.
- Uzodinga ukwazisa ibhange lamacebo akho okuya kwelinye izwe ngaphambi kokuba uhambe.
Okubalulekile
Abahambi abaningi bakhetha inhlanganisela yezinketho ezimbili noma ezintathu zokuhamba ngemali. Ngaphambi kokuba unqume ukuthi yikuphi okuzosebenza kangcono kuwe, shayela ibhange lakho bese ubuza mayelana nemali yokuthengiselana kanye namacala okuguqulwa kwemali. Uma izimali zebhange lakho ziphakeme, cabanga ukuthola ikhadi elisha lesikweletu noma debit ohambweni lwakho.