Ezi zintathu iinkonzo ze-intanethi zikunceda ukuba ufike nesicwangciso sokunciphisa nokuhlawula ityala lakho . Uya kufuna ukufaka iinkcukacha zamatyala, njengemali ekhoyo yangoku yemalimboleko, amakhadi enkokhelo kunye nemali yokubolekwa kwemali kunye nemilinganiselo yemigangatho ehambelanayo, ngoko uya kufumana iingcebiso ngendlela efanelekileyo yokuhlawula amatyala kunye nezixhobo ezibonisa ukukhokelela ukuba unamathele cwangciso.
Iinkonzo ezintathu zokunciphisa amatyala e-intanethi ziphezulu:
- Umxhasi weMali
- UDave Ramsey Ingqokelela yeeMali zeMali yeBlackball Ithuluzi
- Ukulungele iZero
01 Iingxowa-mali zoTyala-mali kwiSkredishithi zokuNciphisa iMatyala
Umqeqeshi weMatyala esixhobo esilula kwi-intanethi yokufumana izicombululo zokunciphisa amatyala. Kunokuba ucebise indlela yokuhlawula ngokupheleleyo ityala kuwe, uMqeqeshi weMatyala unceda abantu baqonde ukuba zeziphi izisombululo ezikhoyo zokubanceda bahlawule ityala. Ezi zisombululo zenziwe ngokudibanisa idatha ye-Bills.com yemarike, ulwazi lolawulo lwetyala kwimithombo ethembekileyo kunye nabalingani bakaBill.com.
Nangona ungafuni uncedo lwangaphandle, thatha uMqeqeshi weMatyala ukuba uphendule ngokuba ithuluzi elincomekayo kakhulu elibonisa abasebenzisi indlela yokukhetha ikhetho elihle lokukhupha ityala ngeemali ezinjengeentlawulo ezincinci, iintlawulo ezilungiselelwe, ukucebisa ngeentengo okanye ityala ukucwangciswa kolawulo, ukuhlawulwa kwetyala, kunye nokubolekwa kwemali. Iziphakamiso zichanekileyo ngokusekelwe kwidatha oyifakayo kwinqanaba letyala lakho, iinjongo zemali kunye nezinto ozikhethayo. Izinketho kwiindleko eziphantsi, intlawulo yenyanga, okanye ixesha elincinci ukuya kwetyala likhululekile (ngokusekelwe kwiinjongo zakho) ngelixa unengxaki kwezinye izinto ezingenakwenzeka ezifana nokulinganiswa kwetyala lakho kunye nolwazi oluqhelekileyo lokulandela inkqubo ethile.
Njengoko uphendula imibuzo kwaye ufake idatha kwi-intanethi ye-intanethi, uya kubona uVavanyo lweMatyala ngecala eliphezulu. Imiba eyahlukileyo yendlela inkohlakalo echaphazela ngayo ubomi bakho ibhalwe phantsi koVavanyo lweMatyala, njengenqanaba loxinzelelo, ukufaneleka kwemboleko, ukuhamba kwemali kunye nexabiso.
02 Dave Ramsey Ingqokelela yeeNkcitho zeMali yeBlueball Tool
- Yongeza amatyala kwiluhlu, ngoko unokukrola kwiintolo zokuhamba ngeenyanga kwaye ubone igrafu yenqubekela phambili ekuhlawuleleni ityala.
- Hlela amathenda kunoma yimuphi umyalelo oyithandayo okanye ukhethe uhlobo lweDave's Way, oludweba amatyala ekunyukayo umyalelo ngokulinganisela (ibhalansi ephantsi, imithetho ye-Snowball).
- Faka isicelo seentlawulo ezongezelelweyo uze ubone iishedyuli zentlawulo, sebenzisa Ubume bokuSeb.
- I-FAQ ichaza indlela yokusebenzisa ityala le-Snowball ithuluzi.
- I-Freedom Countdown ephrintiweyo ibonisa uluhlu lwezikwere ezimela iinyanga ezisele kwityala ngalinye kude kube nomhla wokuhlawulwa. Unqamle inyanga nganye xa wenza intlawulo njengethuluzi lokukhuthaza elikuvumela ukuba ubone inkqubela yakho.
03 Ukulungele ukuZero
Uhlelo lokusebenza lokunciphisa iitalato lwedalesi lunikezela izixhobo kunye nolwazi ukwenza isicwangciso sokunciphisa amatyala. Ukulungela i-Zero idibanisa i-automatic automation for payments kunye ne-balance balance accounts.
Qala ngokungongeza izikwereti zakho, amakhadi enkoleko, iimali zokuthenga kunye nezinye iitalato. Ukulungela iZero ngokukhuselekileyo kugcina i-log yakho kwingcaciso kwi-akhawunti nganye ukuze i-akhawunti ilinganise ngokuzenzekelayo ukuhlaziywa. Ukulungele iZero kwaye kukunceda ukuba ufike kwisicwangciso sokuhlawula ityala lakho ngokubonisa iimali oza kufuneka uzihlawule ngetyala ngalinye ngenyanga. Insiza ikubonisa xa izihlawuli zakho ziza kuhlawulwa kunye nomdla oza kuhlawula.
Unako ukwenza iintlawulo kwiimali ngokukhawuleza ukusuka kwi-Ready for Zero, kwaye insiza iya kukuxelela ukuba kufuneka uhlawule malini ngenyanga. Unako ukusetha ngokuzenzekelayo rhoqo ngenyanga, ngekhekly okanye ngexesha elilodwa kunye ne-Ready For Zero Plus, i-$ 4.99 ngenyanga ngenkonzo eya kwenza iintlawulo ezingenamkhawulo. Awunyanzelekile ukuba ubhalise inkonzo eninzi yokusebenzisa le app, u-adn ukuba ukhetha ukuhamba kwindlela ekhululekile, uza kufuneka wenze iintlawulo ngokwakho. Ungasebenzisa inkonzo yerhafu ye- intanethi ye-intanethi (ihlawulwe iindleko ezingaphezu kwe-Ready for Zero Plus) okanye iManilla ukuseta ezo ntlawulo ngokuzenzekelayo.
Ukulungelelwa i-Zero kukho icebo elincomekayo kuwe. Yithi ufumana ibhonasi enkulu. Uhlelo lokusebenza luya kuhlengahlengisa iintlawulo ezicetyiswayo kule nyanga ukuze uhlawule ngokukhawuleza ityala lakho. Iziko loNcedo zibonelela ngolwazi olujoliswe kuyo kunye nemibuzo kunye nezimpendulo zenkxalabo ezithile zezemali ezifana nokuphathwa kwempahla, ukuthenga izikolo, ukuhlanganiswa kwetyala kunye nokuhlahlo-mali. Kukho neengcebiso zokunciphisa amatyala kunye namanqaku akho ekhredithi.
Ukulungelelanisa i-Zero Plating Platform ukukhangela iimveliso zemali ukukunceda ekunciphiseni amaxabiso omyinge nokunciphisa ityala ngokukhawuleza. I-Plates Platform ayifaki ukwabelana ngolwazi lwakho kunye nale nkampani emva kwezi zinikelo, kwaye unako ukuguqula iPlatifti ye-Savings. Abasebenzisi be-iPhone banokukhuphela i-app yamahhala evumelanisa ne-intanethi.