Ke hoʻāʻo nei ʻoe e hoʻolilo i kāu kālā ma ke ala e hiki ai iā ʻoe ke mālama i nā mea hou aʻe a liʻiliʻi? (ʻAe. Kāleka aie? kālā? Apple Pay? Me nā koho he nui, ʻaʻole mākou e hoʻohewa iā ʻoe no ka huikau. Eia pehea e kaupaona ai i kēlā me kēia ʻano hana a ʻike i ke ʻano o ke ala maikaʻi loa iā ʻoe.
1. ʻO ka hihia no ka hoʻolimalima kālā me ke kālā a i ʻole ka hōʻaiʻē
ʻAʻole like me kahi kāleka hōʻaiʻē, hiki ke manaʻo e like me ke kālā kilokilo, ke kālā a i ʻole ka kāleka hōʻaiʻē e koi iā ʻoe e huki pololei mai kāu waihona kālā me kēlā me kēia kālepa.
pehea e wehe ai i ka maloo mai ka lauoho
ʻO ka pōmaikaʻi nui o kēia ʻano hana ʻo ia ka hiki iā ʻoe ke hoʻolilo wale i kāu mea (a i ʻole e hāʻawi ʻia i kahi uku overdraft). I nā hua'ōlelo'ē aʻe, inā makemakeʻoe e hoʻopuka i $ 400 no nā kāmaʻa hou, akāʻaʻoleʻoe i ke kālā, ua nakinakiʻia kou mau lima.
ʻO ke ʻano hoʻolālā envelopp he ala akamai loa e hoʻolilo i ke kālā wale nō. E like me kēia: I kēlā me kēia manawa e uku ʻia ai ʻoe, paʻi ʻoe i ka ATM, lawe i kāu kālā a hoʻokaʻawale iā ia i loko o nā envelopes e pili ana i kāu mau bila a me nā hana hoʻolimalima mahina. (E noʻonoʻo i ka hoʻolimalima, nā mea kūʻai, nā ʻoliʻoli, a me nā mea ʻē aʻe.) Ke pau ke kālā, ʻo ia ka mahina. He paʻakikī a paʻakikī, akā he ala maikaʻi loa ia no ka poʻe hoʻolimalima nui e hoʻopaʻa i kā lākou mau maʻamau.
2. ʻO ka hihia no ka hoʻolimalima kālā me kahi kāleka hōʻaiʻē a i ʻole Apple Pay
ʻOiai e hoʻolilo kālā me kahi kāleka hōʻaiʻē (a i ʻole Apple Pay, ʻo ia hoʻi kāu mau kāleka hōʻaiʻē i kau mua ʻia ma kāu iPhone) loaʻa i ka nui o flak , hiki iā ia ke lilo i mea maikaʻi loa, inā loaʻa iā ʻoe ka mana ponoʻī e uku i kāu koena i kēlā me kēia mahina.
ʻO kēia ala e hiki ai iā ʻoe ke mālama i kāu mau lilo a pau ma kahi hoʻokahi, no laila hiki iā ʻoe ke ʻike i kāu hoʻolilo ʻana ma kahi maka-ma kahi āu i hele ai, kahi āu i hoʻolilo ai i ka liʻiliʻi ma mua o ka mea i manaʻo ʻia, kahi āu i hele ai i kahi nutso liʻiliʻi me kāu nānā ʻana ma Amazon i ka pō. Nui nā kāleka e hana i ka hana no ʻoe, e hoʻokaʻawale i nā lilo i nā ʻāpana e like me nā hale kūʻai a kūʻai paha.
ʻO ka haʻahaʻa o nā kāleka hōʻaiʻē ʻo ke kālā āu e hoʻolilo nei he hōʻaiʻē manawaleʻa mai ka panakō. Inā hele ʻoe i ka mea hiki iā ʻoe ke loaʻa - e ʻōlelo ʻoe, hoʻolimalima ʻoe i kēlā mau kāmaʻa 0 a hoʻolilo i ke kālā āu i loaʻa ʻole-e hoʻomaka ana ʻoe e hōʻaiʻē. A me ka ʻaiʻē kāleka hōʻaiʻē hiki mai nā uku ukupanee kiʻekiʻe.
3. He aha ke ʻano uku ʻoi aku ka maikaʻi no ka hoʻolilo kālā?
Aia nā mea a pau i kāu ʻano hoʻolimalima, akā ʻo ka loea kālā pilikino a me ka ʻelele Chase ʻO Farnoosh Torabi hoʻolaha hope loa i ka ʻimi kāleka hōʻaiʻē.
pehea e wehe ai i nā kiko mai ka ʻili
Inā makemake ʻoe i nā mea hoʻoikaika āpau e hōʻoiaʻiʻo ʻaʻole ʻoe e hoʻolimalima, e hoʻopili me ke kālā, wahi āna. ʻO kēlā ʻōlelo, ʻaʻole pono ka uku ʻana me ke kālā i nā manawa āpau. A ʻo ka hele ʻana a puni me kahi ʻeke piha i nā bila he pilikia.
Akā, ʻōlelo ʻo Torabi e uku me kahi kāleka hōʻaiʻē e hoʻopili i kahi kālā, ʻoi loa no ka mea hiki iā ʻoe ke nānā i kāu mau hoʻolimalima a mālama ʻia kāu mau kūʻai. He ala maikaʻi a maʻalahi ia o ka mālama ʻana i kāu mau lilo, ʻoiai ʻoe e uku piha i kēlā me kēia mahina.
PILI: 5 mau wahi ʻaʻole e hoʻohana i kahi kāleka hōʻaiʻē a i ʻole kāleka hōʻaiʻē
