Iseluleko se-Smart Money
Uma uhamba phesheya kwezilwandle, kungenzeka ukuthi uzodinga imali yendawo ukuze uhambe futhi wenze ukuthengwa okuncane (amaholo amakhulu ngokuvamile angahlawuliswa). Ukwenza kanjalo, uzodinga ukushintshanisa imali yakho (njengamaDola wase-US noma ama-Euro) ngemali yesinhlamvu kanye nemali ekhokhwayo yezwe.
Njengoba amazinga wokushintshanisa ngemali ahlukahluka endaweni ngezindawo nosuku nosuku, lapho ushintshanisa khona imali futhi ungayenza kanjani umehluko esikhwameni sakho.
Ngokuvamile, uzofuna ukuthola amanani angcono kunoma yikuphi lapho uya khona. Ngakho qala uhlakaniphile:
Isixazululi Sokushintshwa Kwemali
Ngaphambi kokuba uhambe, funda ukuthi izinga lokushintshaniswa kwezimali lini ezweni ohlela ukulivakashela ngokusebenzisa i-Universal Currency Converter. Izinguqulo zamahhala nezinguquko ze-XE Currency App ziyatholakala kokubili i-iPhones ne-Android.
Kunoma iyiphi indlela oyisebenzisayo, lo Umbuso uhlinzeka ngombono wamanani ashintshanayo atholakalayo, ngokusekelwe phakathi kwephuzu phakathi kokuthengwa nokuthengisa amanani wemali enkulu yokuthengiselana ezimakethe zezimali zomhlaba wonke.
Ukushintshanisa Imali Ngaphambi Kokuya Ekhaya
Abahambi abaningi, ikakhulukazi labo abagibela ibanga elide futhi befika kwelinye izwe ekuseni noma ekuseni kakhulu lapho amabhange namashishini okushintshanisa imali bevaliwe, bakhetha ukuthola imali encane yezimali zangaphandle ngaphambi kokuba bahambe ohambweni.
Ukulingana kwe-US $ 100 ephaketheni lakho kuvame ukukhokhela ukuhamba kweklabhu eya endaweni oya kuyo, isiphuzo, kanye nezigameko ezincane ngaphandle kokufuna ukushintshaniswa kwemali evulekile ibhizinisi.
Emadolobheni amakhulu, amabhange amakhulu kanye nama-ejensi okuhamba ngezinye izikhathi afaka ideski yokushintshanisa ngemali. Amanye amahhotela ahlinzeka lokhu njengesizotha, kodwa izinga labo lokushintshanisa alikho kangcono njengebhange.
Ukuthola Amanani Ezingcono Zokushintshwa Kwemali
Ukuthola isilinganiso esihle sokushintshanisa, linda uze ufike lapho uya khona.
Nakuba izindiza zezindiza ezinkulu zifaka ideskithi lokushintshanisa imali, cishe uzothola isilinganiso esingcono ngokuqondile kumshini we-ATM ohlangene nebhange elikhulu.
Amakhadi e-ATM angase asebenze ngaphandle kwezilwandle ngaphandle kwezinkinga nalabo abanenombolo ye-PIN yamadijithi amane. Njengoba ungakhokhiswa imali yokusetshenziswa yibhange langakini kanye nesikhungo sakho sasekhaya, kunconywa ukuthi wenze eyodwa eyodwa esikhundleni sokuzihoxisa ezincane uma kunokwenzeka - futhi ugcine imali yakho endaweni ephephile ngaphandle kwebala lokukhetha.
Ukusebenzisa iKhadi Lezikweletu Kushintsho Lwezimali
Uma nje unenombolo ye-PIN yokusebenza, kungenzeka ukuthi ungasebenzisa futhi ikhadi lakho lesikweletu noma debit ukuze uthole imali ngaphandle kwezwe. Amakhadi esikweletu nge-chips ayamukelwa kakhulu emhlabeni wonke.
Thola ukuthi kukhona yini imishini ye-ATM yekhadi lesikweletu lapho uzohamba khona:
- I-MasterCard / i-Cirrus ATM Locator
- I-Locator ATM Locator
Ukuba nekhadi lesikweletu kuyasiza kakhulu uma uhamba. Ngesinye, akudingekile ukuthwala imali enkulu. Sebenzisa ikhadi lesikweletu kunokuba ukhokhe ukukhokhela izindleko ezinkulu, njengezindleko zehhotela kanye nokuthenga okukhulu, ngoba uzothola ukuthengiselana. Uma umthethosivivinywa uphikisana, inkampani yakho yekhadi lesikweletu lingakusiza ukuxazulula le ndaba uma ufika ekhaya.
Kodwa-ke, qhubeka ukhumbula, ukuthi izinkampani eziningi zekhadi lesikweletu zikhokhisa imali eyengeziwe yokusetshenziswa kwamanye amazwe. Uma ungaqiniseki, hlola inkampani yakho ngaphambi kokuba usuke ekhaya.
Imali Yabahambi Ngaphandle kwe-ATM noma iKhadi Lekhadi
I-American Express inikeza amakhadi we-American Express Gift. Ngokufanayo nekhadi lokukhishwa ngaphambi kokukhokhwa, lawa abathengi balayishe imali efika ku-$ 3,000 ekhadini ngenani lemali yokubiza bese behoxisa ku-$ 400 nsuku zonke kuma-ATM abonisa i-American Express logo.
Abantu abasha abaneminyaka engu-18 noma ngaphezulu abangenayo amakhadi esikweletu nabanye abanesikweletu esibi bangase bafune ukuthenga ikhadi elikhokhelwa ngaphambilini kusuka ku-Visa noma i-Mastercard.
Ukuhlola Abahambi
Njengoba amakhadi kanye nekhadi le-ATM seliye laziwa kakhulu, abantu abambalwa nabambalwa bakhetha ukuya enkingeni yokuthenga amasheke omhambi. Noma kunjalo, bahlala ngendlela ephephile yokuphatha imali.
Okufanele ukwenze nge-Leftover Currency
Ezimweni eziningi, uzoba nemali engaphandle yezwe ngesikhathi usulungele ukubuyela ekhaya.
Nakhu ongakwenza ngakho:
- Yisebenzise ngezipho nina, abangane, noma umndeni esitolo se-airportfrefree esitolo sezindiza kanye nokudla okudliwayo ukuze ujabulele ekhaya lezindiza
- Nikela ekusizeni. Thola indawo yokwenza lokhu esikhumulweni sezindiza noma uyithumele ohlelweni lwe-UNICEF lwe-Change for Good, olusiza izingane emhlabeni jikelele
- Buyiselwe emuva kumali yendawo yakho esikhumulweni sezindiza
- Yishintshe uma ufika ekhaya
- Gcina njengenkumbulo yohambo lwakho
Lapho Ungadingi Ukushintshanisa Imali
Abathengisi kwamanye amazwe bayamukela amadola aseMelika esikhundleni semali yendawo. Lokhu kuvamile emazweni amaningi aseCaribbean, kuhlanganise neBahamas. Nakuba lokhu kulula, cishe ukhokhela kancane izinto nezimpahla nezinsiza uma usebenzisa imali yendawo.