Eminye iminyaka eyi-10 eyedlule, wonke umuntu wabheka umsebenzi wayo wokususa inani lamadola ayizinkulungwane eziningana noma ama-euro ekuvakasheni emndenini wakhe. Abantu babale usuku lapho izinga lokuguqulwa lingaba inzuzo enkulu kakhulu, futhi ibhange lakhethwe ngaphandle kwemikhawulo ngenani lokususwa. Ubuchwepheshe besimanjemanje namabhange aku-inthanethi alwe lula uhlelo: Imvamisa abantu bamane bathathe ikhadi lasebhange nabo, futhi bane-kangcono - bakhokha ngokuthinta nge-smartphone. Kubhekwe okuhle nokubi kwezinketho ezintathu ezithandwayo zokuthenga.
I-Akhawunti Yezezimali Yangaphandle
+. Akukho ukuguqulwa. Ungaqala i-akhawunti yakho ngamadola, ama-euro kanye nanoma iyiphi enye imali. Ngaphambi kohambo, kwanele ukushintsha i-akhawunti kusuka e-ruble kuya kwemali kwi-application yasebhange kwi-smartphone - lokhu kusebenza kwenziwa ngokuchofoza okukodwa. Lapho ukhokha, ngeke uthathe ikhomishini, ngoba imali ekhokhwayo izofana nakuleli lizwe.
+. Ikhono lokuhumusha imali. Uma ukhokha ekudleni kwasemini kwenkampani, bese ufuna ukuhlukanisa i-akhawunti, ngeke kube nezinkinga - akudingeki ukuthi wenze kabusha izindleko zama-ruble. Ngamakhadi ane-akhawunti enamathiselwe yemali, ungahumusha kahle inani okufanele.
+. Ukuqina. Uma uqonda ushintsho lwesilinganiso sokushintshana futhi wazi lapho udinga ukuthenga imali yangaphandle, ungasindisa ngokuphephile kukho. Akudingeki ulandele izifundo ngaphambi kohambo.
+. Ukuthembeka. Ngokungafani nemali, ukugcinwa kwezimali kwi-akhawunti yasebhange kuvikeleke kakhudlwana. Uzokwazi ukuhamba ehla ngomgwaqo futhi ungasabi ukuthi uzochotshozwa, futhi uthumele kumephu yakho ukuthi malini ngaphandle kwemikhawulo yenkonzo yomngcele.
- Isiphithiphithi esiphakeme. Ungaqala i-akhawunti lapho wenza imephu - iningi lamabhange aseRussia linikeza insizakalo enjalo. Kepha, uma ungazange ukwenze ngaso leso sikhathi, kuzofanela ulinde izinsuku ezimbalwa ukuze ubhalise, noma uvumelane nemikhawulo yasebhange - inani eliphansi kwi-akhawunti nokunye.
- Kudingeka ukuhlehlisela imali. Humusha imali phakathi kwemali ne-ruble account ngaso sonke isikhathi ngemuva kokuthi uhambo kungewona umqondo omuhle kakhulu. Kuzofanele ushiye imali engabonisi ngenxa ye-akhawunti kuze kube yisikhathi esilandelayo.
- Ukungakwazi ukukhokha izindleko ezincane. Ku-eaties, ezokuthutha zomphakathi, izitolo ezincane zokudla ezitolo azikho yonke indawo ezamukela inkokhelo ngekhadi lasebhange noma zisungule inani eliphansi lokuthenga.
Khokha ikhadi lihlala lilula ngokwengeziwe
Photo: Unsplisish.com.
Ukuguqulwa kusuka ekhadini le-ruble
+. Ukusebenziseka kalula. Namathisela ikhadi kwi-smartphone bese ukhokha ukuthenga emhlabeni wonke ngokuthinta okukodwa. Awudingi ukubiza ibhange futhi ubike uhambo - le nkompiyutha isidluliselwe esikhathini esidlule.
+. Isilinganiso sokushintshana okuhle. Amabhange asethe isilinganiso sokuguqulwa ezingeni eliphakathi, kanye neKhomishini ka-5-10% yokwenza ukuguqulwa nokukhokha phesheya. Leli nani elincane lizoba isihlobo esingabonakali kukho konke ukusetshenziswa kwemali.
- Ukuguqulwa okuphindwe kabili. Kwamanye amazwe aseYurophu, ngokwesibonelo, eHungary, phakathi nemali yasendaweni, hhayi i-euro. Lokhu kusho ukuthi lapho ukhokha ikhadi, iBhangengodla lizocela ukuhunyushwa kuma-ruble kuma-euro noma ama-dollar, njengoba kunjalo, njengoba kulokhu, ngokuqondene ne-forinty. Ngenxa yalokho, uzolahlekelwa yimali eningi ngokuguqulwa.
Ukuhoxiswa kwemali
+. Ukukhokha noma kuphi. Ngemali emalini yemali ongayikhokhela ukuthenga noma kuphi - kulula uma uthanda ukudla ezindaweni ezihamba emigwaqweni futhi ugibele izithuthi zomphakathi.
+. Ikhono lokushiya amathiphu. Uma uthanda insizakalo yentombazane yehhotela, isikhonzi endaweni yokudlela noma komunye umuntu okuhlinzeka ngensizakalo kulula kakhulu ukumshiya ama-euro ambalwa wetiye kune-terminal.
- Kudingeka ucele ukulethwa. I-Local ngeke ikunikeze ukunikela uma ibhalansi ekuthengeni izoba yi-Euro noma ngaphansi. Inani alibalulekile, kepha, lilahlekelwa ngaso sonke isikhathi, ekugcineni uchitha imali ethe xaxa.
- Amathuba okweba. Okungakusho, kepha ngisho naseYurophu ebusuku kungcono ukungahambi, ikakhulukazi ezindaweni ezikude zedolobha. Amaphangethi endawo azoqaphela izivakashi ezivela kude futhi azoqala ukuzingela isikhwama sakhe semali. Kulokhu, kunzima kakhulu ukuzivikela wena, kepha mhlawumbe - Gqoka imali esikhwameni esikhalweni esilungisiwe kubhande lakho noma esifubeni.