Thola imbuyiselo yakho yentela yenhlangano kuze kufike ezinsukwini eziyisi-6 ngaphambi kwesikhathi lapho usebenzisa uhlelo lokusebenza lwebhange leselula le-Spruce. I-Spruce inikeza amathuluzi ezezimali okuphatha ama-akhawunti akho e-Spruce Spending and Savings futhi uthole izimali zakho ngendlela efanele. Ukuthi i-Spruce iwuhlelo lwakho lokuqala lwebhange, noma lwesihlanu, i-Spruce ingaba khona uma uyidinga.
Ngama-akhawunti akho e-Spruce, ungajabulela ukuthula kwengqondo, kanye:
Azikho izimali zokubhalisa
Azikho izinkokhelo zanyanga zonke
Azikho izimfuneko zebhalansi encane
Akukho ukuhlolwa kwekhredithi
Iba isilondolozi! Akudingekile ukuthi udele lokho okuthandayo ukuze ulondoloze—setha Umgomo Wokulondoloza ku-Spruce futhi wenze ukonga kwakho ngokuzenzakalelayo nganoma yikuphi okufunayo. Ngokubekela eceleni imali encane engu-$1 ngosuku, ungaba umsindisi ngaphandle kokususa izinjabulo zokuphila ezilula.
Hlala futhi uvumele u-Spruce ahlukanisele okwenzayo ngokwezigaba, bese usebenzisa isici sohlu lokubuka ukuze ubeke iso ezigabeni ezibaluleke kakhulu. Uhlu lokubuka alisizi nje kuphela ukuthi ulandelele indlela osebenzisa ngayo imali kodwa futhi likuvumela ukuthi uzibekele imigomo yemali engenayo yanyanga zonke ukukusiza ukuthi uhlale uye phambili inyanga ngayinye.
AMACEBISO OKUQALA OKUSHESHAYO
1. Landa uhlelo lokusebenza lwebhange leselula le-Spruce.
2. Dala iphasiwedi evikeleke kakhulu enezinhlamvu okungenani eziyi-8.
3. Bhalisela i-Spruce Spending and Savings akhawunti yakho.
4. Hlola imenyu yokuzulazula ye-Spruce:
---Ukuphila kwami. Bona isifinyezo samabhalansi akho kanye nokwenziwe kwakamuva.
---Ukuchitha. Buyekeza ukuthengiselana kwakho kwedebithi nediphozithi.
---Hambisa Imali. Hambisa imali phakathi kwama-akhawunti.
---Ukulondoloza. Dala Imigomo Yokulondoloza, vula i-Round Up, futhi uthole ukheshi kubathengisi abakhethiwe.
---Isikweletu. Hlola isikolo sakho sekhredithi futhi ufunde kabanzi mayelana nokuthuthukisa ikhredithi yakho.
IMIKHETHO
Izilinganiso zedatha zingasebenza.
I-spruce iyinkundla yobuchwepheshe bezezimali eyakhiwe yi-H&R Block, okungelona ibhange. I-Spruce℠ I-Spending and Savings Accounts isungulwa kwa-Spruce, futhi ikhadi lasebhange lase-Spruce likhishwa, u-Pathward, N.A., Ilungu le-FDIC, ngokulandela ilayisensi yakwa-Mastercard®. I-Mastercard kanye nomklamo wemibuthano yizimpawu zokuthengisa ezibhalisiwe ze-Mastercard International Incorporated.
Imivuzo engu-# Spruce inikwa amandla yi-Dosh. Imali enikezwayo kanye namanani angahluka ngokuya ngomsebenzisi, indawo yomthengisi nesikhathi sokunikezwayo. Hlola uhlelo lokusebenza lwe-Spruce ukuze uthole ukutholakala komnikelo. Imbuyiselo etholwe ngokuthenga okufanelekile izofakwa ku-akhawunti yakho ye-Spruce Savings. Bona Imiklomelo Ye-Spruce enikwa amandla yi-Dosh Imigomo ukuze uthole imininingwane.
^ Spruce℠
± Isikolodo sekhredithi yi-FICO® Score 8 esisekelwe kudatha ye-Experian. Umbolekisi wakho noma umshwalense angase asebenzise i-FICO Score ehlukile kune-FICO Score 8, noma olunye uhlobo lwamaphuzu esikweletu ngokuphelele. I-FICO® wuphawu lokuhweba lwe-Fair Isaac Corporation. Lena isevisi ehlukile kuma-akhawunti akho asebhange e-Spruce, ehlinzekwa ngu-Pathward, N.A.
~ I-Courtesy Coverage itholakala kuphela ekuthengeni, ukuhoxiswa kwe-ATM, kanye nokuhoxiswa kwezitolo usebenzisa ikhadi lakho ledebithi. Kuyinhlonipho yokuzikhethela, hhayi ukunwetshwa kwesikweletu. Idinga ukungena kanye no-$200 kumadiphozithi afanelekayo esikhathini esidlule sezinsuku ezingama-35. Ibhalansi engemihle ikhawulelwe ku-$20 futhi kufanele ikhokhwe zingakapheli izinsuku ezingu-30. Bheka Isivumelwano Se-akhawunti Yokuchitha ukuze uthole imininingwane.
≠ Ukufinyelela ngaphambi kwesikhathi kuncike ekutheni inkokhelo ithunyelwa nini. Izimali ngokuvamile zenziwe zitholakale lapho umyalo wokukhokha wamukelwe, okungenzeka ube ngaphambi kosuku lokukhokha oluhleliwe. Idinga u-$200 kumadiphozithi aqondile esikhathini sangaphambilini sezinsuku ezingama-35, okungafaki ukubuyiselwa kwemali kwentela.
Kubuyekezwe ngo-
Eph 25, 2024