Yinto enye ukuhlala phantsi kwaye ubhale phantsi uhlahlo lwabiwo-mali kwiphepha lephepha kunye nenye into ukuyenza ngempumelelo . Ukuba uvakalelwa kukuba unayo isabelomali esisebenzayo, kodwa unenkinga yokuyiqhuba inyanga nganye, ngoko unokufuna ukucinga kwakhona inkqubo yakho yohlahlo lwabiwo-mali. Udinga ukuqonda isitayela sakho sohlahlo lwabiwo-mali ukufumana inkqubo efanelekileyo kuwe. Uhlahlo lwabiwo-mali lufuneka lulandelwe imihla ngemihla, ngoko uyazi ukuba uninzi kangakanani udidi olusezantsi kwixesha ngalinye. Kukho izixhobo ezininzi ongayisebenzisa ngokubambisana kunye nokwenza ulandelelwano lwenkcitho yakho lula. Emva kokukubeka oku kuza kuba lula ukuhlalutya uhlahlo lwabiwo-mali ukuqinisekisa ukuba kukunceda ufikelele kwiinjongo zakho zezemali. Kuya kukukunceda ukuba uqaphele nayiphi na ibhasi yebhajethi onokuyenza ukuze uyilungise.
01 Inkqubo yohlahlo lwabiwo-mali
Iinkonzo:
- Ufikeleleke kwiikhompyutha ezininzi
- Uhlaziyo ngokuzenzekelayo
- Kulula ukuyilandela
Umgcini:
- Isofthiwe ingafaka iintengiso kwindawo engafanelekanga
- Ngeke ube nezandla xa unokuqala uhlahlo lwabiwo-mali
- Awukwazi ukulinganisela i-checkbook yakho
02 Ikhompyutha yeekhompyutha kunye nezicelo zefoni
Kukho iinkqubo ezininzi zeekhompyutheni eziza kulandelela imali yakho kunye nokulinganisela i-checkbook yakho ngexesha elifanayo. Ezi nkqubo zihlala kwiikhompyutheni yakho, kwaye ngokuqhelekileyo zisebenza kunye nekhompyutha enye. Abaninzi babo baneefowuni zokusebenza ezivumela ukuba uvumelanise uhlahlo lwabiwo-mali kunye nefowuni ukuze uhlolisise uhlahlo lwabiwo-mali kwaye ufake izinto ezintsha xa uthengela, kodwa ukuvumelanisa ngokuqhelekileyo kwenziwa ngokuzenzekelayo.
Iinkonzo:
- Ngaba zombini uhlahlo lwabiwo-mali kunye nokulinganisa iakhawunti yakho
- U no ku hlaziya ngokuzenzekelayo
- Kulula ukuyilandela
Umgcini:
- Isofthiwe ingafaka iintengiso kwindawo engafanelekanga
- Ngeke ube nezandla xa unokuqala uhlahlo lwabiwo-mali
Inkqubo yoHlahlo lwabiwo- 03
Inkqubo yohlahlo lwabiwo-mali endala iyakwenza ngcono. Le ndawo apho ubhala khona intsebenzo nganye kwaye ususe iimali njengoko uzichitha. Ungakwazi ukuthwala incwadana encinane okanye wenze i-checkbook ifakiwe kwisicatshulwa kuzo zonke iNgeniso ozithwalayo kwivenkile ukugcina okanye ukwenza uhlahlo lwabiwo-mali ekhaya ebusuku. Le nkqubo inokusebenza kakuhle xa uqala uhlahlo lwabiwo-mali okanye ukuba uhlahlo lwabiwo-mali kunye neqabane kwaye kufuneka udibanise malunga nenkcitho yakho kuba kukuvumela ukuba ubone apho ubusuku bonke. Kufuneka wenze le bhajethi yonke imihla ukuze iphumelele.
Iinkonzo:
- Izandla ezilungileyo kwinkqubo enzulu
- Ikhuthaza ukukhulumisana phakathi kwabatshatileyo
- Kuhle ukuhlahlo lwabiwo-mali
Umgcini:
- Ixesha elide
- Kulula ukwenza amaphutha
04 Iimvulophu zohlahlo lwabiwo-mali
Inkqubo yemvulophu okanye uhlahlo lwabiwo-mali kuphela luya kuba lukhetho olungcono kwiimfuno zakho zangoku. Kwiimvulophu usebenzise imvulophu kwicandelo ngalinye, uze ukhuphe imali kwaye ubeke inani elichanekileyo kwicandelo ngalinye kwiimvulophu. Akudingeki ukuba ungeze amanani, kwaye khangela nje ukuba unayo nayiphi na imali eseleyo kwimvulophu xa ufuna ukusebenzisa imali. Le yinkqubo enhle kubantu abathandayo ukuzongeza nokujongana nemali rhoqo. Awukwazi ukusebenzisa ikhadi lakho lokubambisa okanye ikhadi lekhredithi ukuze uthenge okanye le bhajethi ayiyi kusebenza.
Iinkonzo:
- Akukho kwongeza okanye ukususa
- Kulula ukuyeka ukuchitha xa uchitha imali
- Kulula ukuyilandela
Umgcini:
- Akunakwenzeka kuzo zonke iintlobo zebhajethi
- Abanye abantu bathanda ukuthwala yonke imali ejikelezayo (Unokufuna ukuzama ukusebenzisa i-Google Wallet ukuba le nto ingumcimbi kuwe.)
05 Hlanganisa iinkqubo zohlahlo lwabiwo-mali
Indlela eyona ndlela yokwenza uhlahlo lwabiwo-mali lusebenzele kuwe kukufumanisa iindawo ozilwela ngazo kwaye ufumane udibaniso lweendlela zokuhlalutya. Ngokomzekelo, intsapho yam isebenzisa inhlanganisela ye-Mint.com kunye nenkqubo yokuhlawula ibhajethi kwiindidi zethu zengxaki, ezizinto zokutya, ukuzizonwabisa kunye neendleko zendlu. Oku kuthetha ukuba mna nomyeni wam sinokubeka esweni iindleko zethu ngokubanzi naphi na apho sikhona, kwaye sinemiqathango yokuzenzekelayo ukubeka kwiindidi apho sinenkinga enzima yokwenza ukuba isebenze. Sisebenzisa inkqubo yemali ukulinganisela i-checkbook yethu. Unokufuna ukuphumeza ulawulo lwesabelomali se- zero kwakunye nefilosofi ka-50/20/30 xa uqala ukusekwa uhlahlo lwabiwo-mali.