Ungalufumana njani uLondolozo kuMgangatho ngeSpruce eyakhiwe yi-H&R Block

Isityhilelo: I-Spruce ixhase eli nqaku, elapapashwa nge-20 kaJanuwari. Ispruce, i-app yebhanki yeselula Android e iOS elibonelela ngenkcitho kunye neakhawunti yokonga kunye nekhadi le-debit. Ikunceda ube smart ngemali yakho. I-spruce yi-platform yezobuchwepheshe bezemali eyenziwe yi-H & R Block, engeyona ibhanki. Iimveliso zebhanki ezibonelelwa yi-MetaBank®, NA, iLungu le-FDIC

Nokuba uqala phi, kubalulekile ukuba uthathe amanyathelo okulawula imali yakho kwaye wonge ngaphezulu. Ukwenza izigqibo ezinengqondo zemali kunokukunceda uvule iingcango ezintsha ebomini bakho. Kodwa kwenzeka ntoni ukuba awazi ukuba uqale phi?

Ungakhathazeki. Siza kwabelana ngeengcebiso zokukunceda uqalise ukonga. Ukongeza, siza kubona indlela yokusebenzisa Umthi weFir owakhiwe yi-H&R Block Ungasiphakamisa isimo sakho sezemali ngokungafihlisiyo!

Qala ukonga ngokulawula imali yakho

Ugqibe ekubeni ufuna ukulawula iimali zakho. Linyathelo elikhulu lokuqala! Ngoku lixesha lokusebenzisa olo sukelo.

Nantsi indlela yokuqinisekisa ukuba imali yakho ibonisa iinjongo ozibekele yona.

Ngaba wenza imali eyaneleyo?

Kubalulekile ukuba uhlalutye ukonga kwakho kunye nemikhwa yokuchitha. Ngale ndlela unokubala ukuba yimalini oyongayo nyanga nganye, ugcine umkhondo wazo zonke iindleko zakho kunye nokonga kwakho.

Ngokomyinge, abantu baseMelika bagcina malunga I-7-8% yomvuzo wakho wenyanga nganye. Ngo-2020, ukonga kunyuke kakhulu, ngesantya esiphakathi kwama-33,8%. Nangona kunjalo, eli nqanaba lokonga ayisiyonto eqhelekileyo.

Nangona kunjalo, kuyacetyiswa ukuba unikezele ubuncinci i-20% inyanga nenyanga ukonga kunye nokuhlawula amatyala. Imodeli yebhajethi ye-50-30-20, apho i-30% ichithwa kwi-discretionary income, ngelixa i-50% isetyenziselwa izinto ezibalulekileyo kwaye i-20% iya ekugcinweni, iphakamisa le ngcamango.

Ezi mpawu zomhlaba ziya kukunceda ubone apho ukhoyo. Ngaba kunokwenzeka ukugcina nokuba imali encinci? Ngaba unalo ithuba lokuwina? Mhlawumbi vele ungeze iimali eziqhelekileyo kugcino lwakho nanini na kunokwenzeka.

Ungagcina imali, kodwa kungcono kunokuphulukana nayo yonke into. Ifir inomsebenzi wokugcina ozenzekelayo Zibekele iinjongo zogcino ezenzelwe wena ezenza ugcino lube lula. Amandla akho emali ayanda ngemali oyigcinayo.

Zenziwa njani iinjongo zogcino?

Iinjongo zakho zogcino zinokujikeleza kuyo nantoni na oyifunayo ebomini bakho.

Umzekelo, masithi ufuna ukuthatha uhambo olulodwa oluya eFiji. Oku kuya kuba yinjongo enkulu yokonga. Omnye umzekelo wenjongo yokonga kukugcina imali yokuhlawula okanye ukubekela bucala imali yokuthenga kwixesha elizayo. umhla olindelekileyo womhlalaphantsiGcina ngabom nyanga nganye ukuze uthenge imoto kwixesha elizayo.

Kufuneka uthathe ixesha lokucinga ngeendleko ezinokunxulunyaniswa neenjongo zakho. Ngombono wento oza kuyidinga ukuyigcina ukuze ufezekise injongo ethile, cinga malunga nexesha elimiselweyo. Ngaba uyafuna ukufumana amawaka eedola ngexesha elifutshane? Ngaba kufuneka usebenze iminyaka ngaphambi kokuba ufikelele usukelo lwakho?

Wakuba unesixa semali kunye nomhla wokugqibela engqondweni, lixesha lokubala ukuba yimalini oya kuyidinga ukuyigcina nyanga nganye ukuze ufikelele usukelo lwakho.

Umzekelo, ukuba ufuna ukuthenga imoto entsha malunga ne-30.000 yeedola kwiminyaka emi-5 ngaphandle kokwenza intlawulo yenyanga, uya kufuna ukonga i-500 yeedola ngenyanga.

Unokudibanisa iinjongo zogcino ezininzi.

Yintoni onokuyenza ukuze uhlale unyanisekile kwiinjongo zakho zokulondoloza imali?

Yinto enye ukuba nenjongo yokonga. Yenye into ukuzibekela usukelo, kodwa yenye ukuyifikelela. Nanga amanye amacebiso okukunceda uhlale endleleni nenjongo yakho yokonga.

Yenza uqingqo-mali

Ngoku lixesha lokubeka iinjongo zakho zokulondoloza. Yenza uqingqo-mali Ifanele ibonise izinto ezibalulekileyo kuwe. Xa usenza uhlahlo lwabiwo-mali olukusebenzelayo, kufuneka ucace ngezinto ezibalulekileyo kuwe. Qinisekisa ukuba ufaka iinjongo zakho zokulondoloza imali kwibhajethi yakho ukuze imali yakho isetyenziswe kwiinjongo zakho zokulondoloza.

Fumana izilumkiso zenkcitho

Ukukunceda uhlale usendleleni, izilumkiso zenkcitho zinokuba sisixhobo esiluncedo.

Umbono ulula, uya kuseka isilumkiso senkcitho ukuze sikwazise xa uza kuchitha ngaphezulu koko uzabele udidi oluthile okanye ixesha. Nje ukuba usibonile isilumkiso, unethemba lokuhlengahlengisa indlela osebenzisa ngayo imali kulo lonke ixesha lohlahlo lwabiwo-mali.

Ngamanye amaxesha ubomi buba nzima. Isilumkiso senkcitho sisikhumbuzo sokuba unokubambelela kwisicwangciso sakho, nokuba unezinye izinto eziphambili ngokubaluleka.

ufunde kabanzi

Ukuba akukho sithuba saneleyo kuhlahlo lwabiwo-mali lwakho kuzo zonke izinto ozikhathaleleyo, kusenokuba lixesha lokuqwalasela umsebenzi osecaleni, ufumane umsebenzi ohlawula kakhulu, okanye ucele ukunyuselwa. Umvuzo wakho unokunyuka ukunciphisa ezinye zeengcinezelo kwaye kukunceda ugcine imali nyanga nganye.

Sebenzisa i-fir

Iindaba ezimnandi zezokuba akunyanzelekanga ukuba uhambe wedwa ukufikelela usukelo lwakho lokonga. Isixhobo esifana nesi sinokukunceda uqalise. H&R Block Yakhiwe Fir Lungiselela isicwangciso sakho sokugcina imali

I-spruce yenziwe yi-H&R Block ukunceda abagcini njengawe ukuba balawule iimali zabo ngokufikelela kwiinjongo zabo zokulondoloza.

Yintoni ifir? Ungayifumana njani imali oyongileyo?

Spruce, i-app yebhanki yeselula iyafumaneka Ikunika ukufikelela kwiiakhawunti zakho zokonga kunye nenkcitho kwaye ikwabonelela ngeakhawunti yedebit ukukunceda ukuba ulawule ngokufanelekileyo inkcitho yakho kunye neenjongo zokonga. Ungakwazi kwakhona ukulandelela inkqubela yakho ngokusebenzisa i-app ukwenza iinjongo zokugcina.

Iimpawu eziphambili zeSpruce

Nantsi imizekelo yezinto ezinomdla ezinxulumene ne-spruce. Ndwendwela i-sprucemoney.com/features/ ngolwazi olungakumbi.

Iinjongo zokonga

I-spruce ineenjongo ezithile zokulondoloza eziza kukukhuthaza ukuba wonge ngakumbi. Ukuba neenjongo ezizinikeleyo akunako nje ukwenza ukonga kube mnandi, kodwa kunokukunceda uhlale ugxile koko ufuna ukukuzuza.

Akukho mali yokubhalisa okanye intlawulo yenyanga

Ukongeza kwiinjongo zokulondoloza eziluncedo, i-Spruce, eyenziwe yi-H & R Block, inikezela ngee-akhawunti ezingenazo iifizi zenyanga okanye zokubhalisa.

Bakuvuza ngemali ezenzekelayo emva

I-Spruce ikuvumela ukuba ufumane imbuyekezo yemali eyonyusa ngokuzenzekelayo ukonga kwakho kwaye inokukunceda ufikelele usukelo lwakho.

Iidiphozithi ezithe ngqo zeSpruce zinokukufumana ukuba uhlawulwe ukuya kuthi ga kwiintsuku ezimbini ngaphambi kwexesha

Ungaqokelela ukuya kutsho kwiintsuku ezimbini phambi komhla omiselweyo, nto leyo eya kukunceda wonge imali kwaye uhlawule amatyala akho ngexesha.

Fumana amanqaku etyala asimahla

Unokufikelela kumanqaku akho ekhredithi yasimahla ukukunceda ukuba ujonge imeko yakho yetyala.

INkcazelo yembeko (uKhuseleko lwe-Overdraft)

Imirhumo ye-ovadrafti inokubiza kakhulu ukuyihlawula. I-spruce ibonelela ngokhuseleko lwe-ovadraft oluncomekayo ukuya kuthi ga kwi-20 yeedola ngediphozithi ngqo.

Isindululo sembuyekezo yerhafu

Awuyazi into omawuyenze ngembuyekezo yakho yerhafu? Ukuxhasa ikamva lakho, unokwenza iakhawunti yeSpruce usebenzisa imbuyekezo yakho yerhafu.

Ubomi bam kunye nemibono yam

Kwinxalenye yeqonga elithi "Ubomi bam kunye noLwazi", unokujonga imali yakho ngokulula kwaye ujonge inkqubela phambili yakho kwiinjongo zakho zogcino. Uya kufumana izixhobo ezilula zokuhambisa imali yakho kwaye ugcine amandla okufikelela kwiinjongo zakho zemali.

Ezinye iinkalo

Kwiakhawunti yakho, uya kuba nofikelelo olulula kwii-ATM kunye neediphozithi, kunye nezaziso eziluncedo zokuhlala uphezu kwezimali zakho. Kwaye, uya kufumana ifowuni kunye nenkxaso yengxoxo xa ufuna uncedo.

I-spruce inokukunceda ufezekise iinjongo zakho zemali.

Uzivula njani iiakhawunti zeSpruce

Ukuba uthathe isigqibo sokuba iSpruce lukhetho olulungileyo kuwe, kulula kakhulu ukuqalisa. Bhalisela i-akhawunti ngokucofa apha SpruceMoney.com Okanye iapp yeSpruce. Nje ukuba ulapho, kuya kufuneka unikeze ngolwazi olusisiseko kwaye wenze igama lokugqitha ukuseta iiakhawunti zakho.

Ukubhaliswa kweakhawunti yeSpruce kusimahla Qalisa ngoku!

I-spruce inokwenza ukonga kwakho kuhambe!

Unokwakha isiseko esiluqilima ngokulondoloza imali. Unokwenza lula indlela eya kwinjongo yakho yokonga ngokuba nezixhobo ezifanelekileyo zemali.

I-spruce inezixhobo ezifanelekileyo zokukunceda ulungelelanise isicwangciso sakho sokulondoloza. Joyina iSpruce ngoku Qala ukwenza inkqubela kugcino lwakho.

I-spruce iqonga lobuchwepheshe bezemali elenziwe yi-H & R Block, engeyona ibhanki. Iimveliso zebhanki zibonelelwa yi-MetaBank®, NA, iLungu le-FDIC.

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Ukuziphendulela

Ukukhutshwa kweendleko Imirhumo inokufaka isicelo sokutsalwa kwemali kwii-ATM ezingaphandle kwenethiwekhi, iitshekhi ezithengwayo, kunye nokuhanjiswa kwamakhadi. Amaqela esithathu angakubiza imali eyongezelelweyo. Nceda uqhagamshelane www.SpruceMoney.com/fees ngeenkcukacha ezithe kratya.

I-Dosh Disclaimer - Imbuyekezo yeSpruce inikwe amandla yiDosh. Kusenokubakho umahluko kwiimali ezibuyiswayo kunye neendawo zevenkile ngokuxhomekeke kunikezelo olusetyenzisiweyo kunye nexesha. Ukubona ukuba isithembiso siyafumaneka, jonga i-app ye-Spruce. Yonke imali efunyenwe kwiintengo ezifanelekileyo iya kongezwa kwiAkhawunti yakho yoSavings yaseSpruce. Unokufumana iinkcukacha kwiMvuzo ye-Spruce enikwe amandla ngeMimiselo yeDosh.

I-ACH Disclaimer: Ufikelelo kwangethuba kwiimali kuxhomekeke ekubeni umhlawuli ayingenise nini intlawulo. Ezi mali zenziwa zifumaneke kuwe ngomhla wokufunyanwa komyalelo wentlawulo, onokuthi ube ziintsuku ezi-2 phambi komhla wokuhlawula oqikelelweyo womhlawuli. Ukuze ufaneleke, kufuneka ube needola ezingama-200 ngenyanga kwidiphozithi ngqo, ngaphandle kokubuyiselwa kwerhafu.

Inqaku leTyala ngetyalaAmanqaku eFICO abhekisa kwityala.^® Idatha ye-Experian inika inqaku lesi-8. Unokufumana iNqaku leFICO eyahlukileyo kune-FICO Score 8. Okanye inqaku lekhredithi elahluke ngokupheleleyo, kuxhomekeke kumbolekisi wakho. FICO^® I-Fair Isaac Corporation luphawu lwentengiso olubhalisiweyo lwale mveliso. I-MetaBank inikezela ngale nkonzo ngokwahlukileyo kubathengi beakhawunti ye-Spruce.^®n / A

ODP Disclaimer UKhuseleko lweCourtesy lufumaneka kuphela ekuthengeni, ukutsalwa kwemali kwi-ATM, okanye ukutsalwa kwemali kwikhawuntara ngekhadi lakho leSpruce Debit Card. Ukukhuselwa kwembeko ayilolwandiso okanye ikhredithi. Luhlobo lwembeko esinokulusebenzisa ngokubona kwethu. Ukuze ufaneleke, kufuneka ukuba ufumene i-200 yeedola kwiidiphozithi ezifanelekileyo ngexesha leentsuku ezingama-35. Kufuneka ubuyisele nayiphi na imali eseleyo phakathi kweentsuku ezingama-30. Jonga isiVumelwano se-Akhawunti yenkcitho ngeenkcukacha.