Kana wangove wakaronga rwendo rwako, inguva yekuburukira kumashoko. Iwe haungakwanisi kusvika kure kure nenzira yekubhadhara nekuda kwekufamba kwako. Kana iwe usingakwanisi kusarudza kana kuunza pamwe nekadhi yebhadharo kana shanje rekufambisa vanofambira, funga nezvezvakanaka uye zvinopararira nenzira dzakasiyana-siyana dzokubhadhara mari yako yekufambisa.
Ngatitarise zvinobudirira uye zvakanakira zvemarudzi ose emari yekufamba.
Cash
Pros
- Cash yakakodzera. Kana uri kufamba munyika yako yekuzvarwa, haufaniri kuwana mabanki kana ma ATM.
- Kana iwe unoshanyira imwe nyika, iwe unogona kunge uchibhadhara mari shoma kuti ugochinjana mari yemari yemunharaunda yako kupfuura iwe waizobhadhara uchishandisa imwe nzira yekubhadhara.
Cons
- Cash ingozi yekuchengetedza; inogona kubiwa nyore nyore uye haigoni kuchinjwa.
- Izvo zvinotyisa uye zvisingaiti kutakura. Iwe uchada kupfekedza bhanhire yemari kana chikwama.
- Kana uri kufamba kune dzimwe nyika, iwe uchada kushanyira mabhengi kuti ugochinjana mari yako yebhadharo yemunharaunda.
Debit Card
Pros
- Kadhi yebhadharo, yakachengetedzwa zvakanaka, haigoni kubiwa nyore nyore semari.
- Chero bedzi kadi yako yekubhadhara iri chikamu chetaneti huru, yakadai seExt kana Cirrus, unogona kuishandisa munyika dzakawanda .
- Iwe unogona kushanyira ATM uye kushandisa kadhi yako yebhengi kuti uite kamwe chete mari yemunharaunda. Kushandurwa uye mari yekutengesa ichaonekwa mubhodhi yako yebhangi.
- Kushandisa kadhi yebhadharo kunogona kukubatsira kuti ugare mukati memari yako yebhadhiro nokuti kadhi inotora mari kubva pakero yako yekuongorora. Paunenge uri kunze, uri kunze.
- Makadhi ekubhadharwa madhenari madiki uye ari nyore kutakura zvakachengeteka.
Cons
- Kadhi yako yekubhadhara inogona kusashanda mumichina yose yeATM paunenge uchienda, saka iwe uchada kuuya nebhadhibha yekuchengetedza kana kadhi rechikwereti.
- Kana iwe uchienda kune dzimwe nyika, kadhi yako yekubhadhara zvimwe haigamuchirwi pane zvitoro kana horesho. Iwe unoda kutakura mari yezuva nezuva mari.
- Mumaruwa, kuwana ATM iyo chikamu cheteretheni yako ingave yakaoma. Iwe uchada kuronga mberi uye kubvisa mari yakakwana kuti uwane zvido zvako kusvikira iwe udzoka muguta kana taundi.
- Kushandisa ATM hakusi kusununguka kunze kwekunge iwe uchishandisa mabhizimisi emagetsi ako. Kana iwe ukaenda panze kwebhangi rebhangi rako, uchabhadharwa mari yekushandisa iyo isiri yeATM. Paunoshandisa kadhi yako yebhengi muATM yebhengi rekunze, iwe uchabhadhara mari yakasiyana yekushandisa mishonga uye yekushandura mari yako mumari yemunharaunda.
- Iwe uchadikanwa kuzivisa bhangi rako kuti iwe uchange uchishandisa kadhi yako yebhadharo kune dzimwe nyika . Kana iwe ukakundikana kuita izvi, unogona kuwana kuti dhipatimendi rebhangi rinopesana nedhipatimendi rakamisa padhidhi yako yekutengesa, zvichiita kuti zvibvirire kuti iwe uzvishandise kuti uwane mari.
- Iwe unogona kunge uchida kuchinja PIN yako. Mune dzimwe nyika, ma ATM haazoshanduri PIN nemamwe madivi mana. Mune vamwe, PINs ne zero haizoshandi.
- Iwe haugoni kuwana mari mberi nekadhi rako rekubvisa. Iwe unogona kunge uchida kuunza imwe nzira yekufambisa mari yekukurumidza.
- ATM zvinokanganisa . Dzidzidze iwe uye dzidza kudzivisa.
Vafambi Vanotarisa
Pros
- Vatambi vanofambira vakachengeteka; dzinogona kuchinjwa kana dzibiwa uye dzinoda shanduro yekushandisa.
- Iwe unogona kutenga vafambi chekuongorora kune dzimwe nyika dzedzimwe nyika, kusanganisira Euro, British pound, yen yenJapan uye Canadian dollar.
Cons
- Vatambi vanofambira vanogona kutengesa kutenga. Iwe unowanzoongororwa kubhadharwa kwebasa, uye iwewo uchabhadhara mutero wekutumira kana iwe uchivatumira paIndaneti.
- Vatariri vanoongorora vanogona kunge vasinganzwisisi kutakura muhomwe yemari kana bhanhire.
- Kana uri kufamba kune imwe nyika, iwe uchada kuenda kubhangi kana kuti hofisi yekambani yako yokubudisa kuti ugochinanidza vafambi vanoenda kune mari yekunze. Iwe uchada kuronga mararamiro ako kunenge maawa ekubhengi.
- Havasi vese vatengesi kana mabhangi vanobvuma vafambi vanoongorora, kunyange avo vari mune mari yavo. Vatengesi vanogona kukubhadharai mari kana iwe uchida kubhadhara nevatambi vanoongorora.
- Vatambi vanofambira vanenge vari kushanda. Vakawanda vanofamba havavashandisi.
Kubhadhara Kareji Makadhi
Makadhi ekufambisa akabhadharwa, akadai seVisa TravelMoney, anotarisa semakadhi emakwereti asi anoshanda sevaya vanofambira. Iwe "unotakura" kadhi nemari kubva kubhangi yako yebhangi. Iwe unoshandisa iyo sebhadhiro yemadhikiti paATM uye sekadhi rechikwereti kune vatengesi uye mahotera. Iwe unogona kutora chikwereti chakarasika kana chakabiwa chandibhadharwa iwe sezvaunoda kuti vafambi vaone.
Pros
- Makadhi okufamba anofanirwa kutakura.
- Kadhi rimwe rekufambisa rine PIN yekuchengetedza kumwe.
- Makadhi okufambira ndeimwe nzira yakachengeteka yevanhu vasina mari yebhangi kana makadhi emakadhi.
Cons
- Iwe uchabhadhara mari yakawanda yekushandisa uye kutakura kadhi yako.
- Mari yekutengeserana kwenyika kune dzimwe nyika yakakwirira kwazvo. Pamwe mamiriro ezvinhu, mari yacho inogona kuva yakawanda se7% yekutengesa kwako kwose.
- Makadhi okufambisa anogona kuva akaoma kushandisa kune dzimwe nyika, kunyanya pamabhengi emamwe mairi 'ATM yemichina.
Credit Cards
Pros
- Marikiti yemakadhi ndiyo nyore kutakura.
- Unogona kutora chikwereti chako chekwereti kana rakarasika kana kubiwa.
- Iwe unogona kuchengetedza hotera yako uye motokari yekurenda pane yako kadhi rechikwereti uye kugovera kwako kuchava nechokwadi, kunyange kana ukazosvika munguva pfupi.
- MasterCard neVisa vanogamuchirwa munzvimbo dzakawanda pasi rose.
- Iwe unogona kuwana mari inofambira mberi kubva kumichina yeATM, pamutengo.
Cons
- Vashambadziri vevatengesi vanogona kukubira ruzivo rwekadhi rako rekwereti uye kushandisa sarudzo yako. Iwe unogona kupikisa mhaka dzekunyengera uye kuti udzibvise kubviswa kubva ku-akhawunti yako, asi kuita saizvozvo inzira yakareba, inogumbura. Iwe unogona kunge uchida kubvisa kadhi yako zvachose kuti ugadzirise nyaya dzekubiridzira ..
- Makadhi emakadhi haagoni kugamuchirwa pamahotera enyu uye mumaresitorendi, saka iwe ucharamba uchida kutakura mari kune zvimwe zvekutenga uye nekuda kwekukurumidza.
- Mabhangi anowedzera mari yekubhadharira mari yekunze kwekutengesa mari. Tsvaga kuti bhadha yako inotengesa usati wasarudza kushandisa kadhi rako rechikwereti kune dzimwe nyika.
- Sezvakaitwa chero kadhi rechikwereti chekwereti, iwe uchabhadhara kufarira paunenge uchienda kutenga kunze kwekuti iwe uchibhadhara bhadha yako yakazara mwedzi mumwe nomumwe.
- Iwe unofanirwa kuzivisa bhengi rezvirongwa zvako kuenda kune imwe nyika usati wafamba.
The Bottom Line
Vakawanda vanofambira vanosarudza kusanganiswa kwemasarudzo maviri kana matatu ekufambisa mari. Usati wasarudza kuti ndiani achakushandira zvakanakisisa kwauri, dana bhagheni rako uye bvunza nezvemitambo yekutengesa uye mari yekushandurwa kwemhosva. Kana bhadha yako yebhangi iri yakakwirira, funga kuwana kechikwereti kana kadhi yebhengi yeurwendo rwako.