Gucunga neza Amafaranga
Ibijyanye n’amabanki
Ni wowe ugomba kwicungira umutungo. Uburyo bwiza bwo kwirinda gusesagura ni ugushyiraho gahunda y’uko ugomba gukoresha amafaranga. Ni ngombwa kwiga uko bakoresha amafaranga. Kugira ngo ubashe kugena uburyo uzakoresha amafaranga, ugomba kubanza kumenya ayo winjizan’ibyo ukenera ku kwezi birimo kwishyura icumbi, umuriro n’amazi no guhaha. Kugira ngo ubigereho neza, urasabwa gutandukanya ibyo umuryango wawe ushaka n’ibyo ukeneye. Bimwe mu byo bashaka bishobora kuba bihenze kandi atari ngombwa, ugomba kubikura rero mu byo umuryango wawe ukeneye. Umukozi w’Ikigo gishinzwe gutuza impunzi agufasha kumenya kugena uko amafaranga akoreshwa.
Uburyo bwizewe kurusha ubundi bwo gucunga umutekano w’amafaranga yawe muri Leta Zunze Ubumwe za Amerika ni ukuyabitsa muri banki zemewe kandi zishingiwe na leta. Hari ubwoko butandukanye bwa banki Ikigo gishinzwe gutuza impunzi kigufasha kubona banki ikubereye. Iyo ufite umuco cyangwa imyemerere ijyanye n’amafaranga (nko kuba atari byiza kwishyura cyangwa kwakira inyungu), ushobora kubona banki ikora ibyo wemera.
Ukwiye kumenya uko babitsa n’uko babikuza amafaranga muri banki bakoresheje imashini yabugenewe (ATM), cyangwa uko bakoresha sheki. Ushobora gushhyira amafaranga yawe kuri konti yo kubikurizaho cyangwa yo kwizigamira, cyangwa se zombi. Konti zo kubikurizaho ziba nziza iyo uteganya kubitsa no kubikuza amafaranga kenshi ukoreheje sheki cyangwa amakarita ya ATM. Konti zo kwizigamira zikoresha iyo ushaka kubitsa amafaranga utazakenera vuba. Mu ntangiriro ushobora gukenera konti yo kubikurizaho. Nyuma, iyo ushoboye gutangira kwizigamira amafaranga, ushobora gukenera konti yo kubikurizaho n’iyo kwizigamira.
Mu gihe wishyura ukoresha ikarita, uba ugujije amafaranga kandi uzishyura hariho n’inyungu. Kugirango ugumane ubunyangamugayo, usabwa kwishyurira igihe buri kwezi. Kwishyura buri kwezi inguzanyo y’amafaranga y’urugendo biguha amahirwe ya mbere yo kubaka icyizere mu by’inguzanyo.
Kwishyurirwa kuri konti
Abakoresha benshi basaba abakozi babo ko bakwemera kwishyurirwa kuri konti zabo. Iyo hakoreshejwe ubu buryo, amafaranga ashyirwa kuri konti yawe aho guhabwa sheki. Hari ibyiza byinshi byo kwishyurirwa kuri konti. Sheki yawe ntishobora gutakara kandi nta nuwayiba ngo ajye gufata amafaranga akoresheje umukono utari uwawe. Ikindi kandi, ushobora guhembwa kabone niyo waba utari ku kazi igihe cyo guhembwa, yewe ntunasbwa gukora urugendo ujyana sheki yawe kuri banki. Icya nyuma, amafaranga yawe aba ari kuri konti yawe kandi wayabonera igihe cyose uyashakiye. Iyo ri wowe wijyaniye sheki, bishobora gutwara umunsi cyangwa ibiri amafaranga ataragera kuri konti yawe.
