Washington (Geeska)- Qoraaga caanka ah ee Isabelle Tavares ayaa warbixin ay ku qortay majaladda Readers Digest ee ka soo baxda dalka Maraykanka ayaa sheegtay in ku macaamilka nidaamka lacag bixinta naqadka ahi ay dhinacyo badan kaga fiican tahay nidaamka dunidu u badan tahay ee ah in lacagta akoonka bangiga lagaga saaro kaadhka la mariyo mishiinka lacagta bixiya ee ATM ka loo yaqaanno iyo qalabka la midka ah.
Isabelle waxa ay sheegtay in cilmibaadhiso arrintan lagu sameeyey ayaa daahfureen in marka la isticmaalayo lacagta naqadka ah (Warqadda ah) uu boqolkiiba 12 illaa 18 hoos u dhaco isticmaalkeedu marka loo eego inta laga isticmaalo marka la isticmaalayo kaadhka lacagta bangiga lagu saarto.
Waxa ay sheegtay in marka kharashaadka lagu bixinayo kaadhka in ay adagtahay in qofku uu dareemo badnida lacagta uu bixinayo, illaa la gaadho marka uu xisaabtiisa dib ugu noqdo ee uu arko kharashkiisa, halka marka uu qofku lacagta caddaanka ah haysto, uu si dhow ula soconayo xaddiga lacagtaas ee ka baxaya. Waxa aad arkaysaa lacagtii oo sii yaraanaysa, waxa aanay taasi kugu beeraysaa dareen ah in aad fahamto muhiimadda ay leedahay inaad dhinto lacagta aad bixinayso. Ayaa ay sheegtay. Iyada oo itnaas ku dartay in lacagta kaadhka lagu saarayaa ay tahay khiyaamo caqliga ka jeedinaysa kharashka xad dhaafka ah ee la isticmaalayo.
Isabelle oo sii wadda faahfaahinta dhibaatada ay leedahay in kharashaadka lagu bixiyo kaadhka bangiga ayaa tirisay qaar ka mid ah kharashaadka ay aad muhiim u sii tahay in qofku uu lacag caddaan ah ku bixiyo:
IIbka yaryar:
Iibsiga waxyaabaha fudud ee ay ka mid yihiin badeecadaha tafaariiq ahaan looga iibsado meheradaha yaryari iyo adeegyada fududi waxa ay ku fiican yihin in aynu ku bixinno acag caddaan ah.
In lacag caddaan ah lagu bixiyaa waxa ay qofka ka caawinaysaa in uu si dhow ula socdo wadarta kharashka kagaga baxaya lacagtaas uu bixinayo, laakiin marka uu kaadhka ka bixinayo ama taleefankiisa ka dirayo maskaxdu waxa ay sawiranaysaa yaraanta lacagta uu bixinayo laakiin isuma geynayso wadarta lacagta baxday.
Madhxis:
Adeegsiga lacagaha caddaanka ahi waxa ay qofka ku dhiirrigeliyaan in uu madhxisto lacagta uu hayo. Socodka kharashaadka baxaya ee uu arkayaa waxa ay ka caawinaysaa in uu yareeyo kharashka baxaya, iyo in uu ku dhiirrado in uu lacagta badh ahaan kaydsado. Taas oo ay gebi ahaanba ka duwan yihiin hababka kale ee lacagta loo bixiyo oo ay ka mid yihiin kaadhka bangiyada lacagta lagaga saaro iyo lacagta taleefanka la isugu diraa.
Ugu dambayntii qoraagu waxa ay sheegtay in mararka keliya ee isticmaalka kaadhadhka bangiyada lacagta lagaga saaraa uu habboon yahay ay tahay marka uu qofku bixinayo kharashaadka badan, sida marka uu safar gelayo ee tigidhada iibsanayo iyo marka uu bixinayo biilshada billaha ah, taas oo in kaadh ama taleefan laga daro iyo in toos loo bixiyaa aanay wax isbeddel ah ku keenayn, si ka duwan kharashaadka yaryar ee kediska ah oo uu kaadhka fududeeyo.
