Abantu bavame ukulinganisa "uhlahlo lwabiwo-mali" kunye ne "ledgerger". Nangona ezi zichazwe ngqiqo, amagama amabini anentsingiselo eyahlukileyo.
Inkcazo ye "Ledger"
I-ledger yinto (nokuba yimbilini okanye yedijithali) evumela ukuba uqaphele inkcitho yakho. I-ledger yinto nje yokuqokelela idatha; akukho Okuninzi. Isikhokelo siyisixhobo esinceda ekudaleni uhlahlo lwabiwo-mali .
Ngokomlando, i-ledger yayiyincwadana ukuba abantu babeza kuthwala isikhwama okanye ipokhethi yabo, apho babeza kubhala ngesandla zabo indleko kwindawo yokuthengisa.
Ngoku kutshanje, abantu baqokelele iirisithi baze bafakela kwiikhomputha zabo kwikhaya. Abanye basebenzisa isitatimende sekhadi lesikweletu-idokethi echaza ukuthengwa nganye - njengento ekhohlakeleyo. Le mihla, abantu basebenzisa iprogram zeprogram kunye neewebhusayithi ezifunda ngokuzenzekelayo i-akhawunti yakho, ukuqokelela idatha, kwaye isebenze njenge-automated digital dripper.
Inkcazo ye "Budget"
Uhlahlo lwabiwo-mali ngumfanekiso omkhulu-mfanekiso owanceda abantu bahambisane nemikhuba yabo yokuchitha izinto ngokubaluleka kwabo, iinjongo kunye nexabiso. Yimpawu eyenza iinqununu zakho zokusetyenziswa kwexesha elizayo, iintaka-ukujonga kwamehlo. I-ledger, okwangoku, iphakanyisiwe-kwaye-eyakho.
Ukuba ne-ledger (eneenkcukacha) kunokukunceda wenze uhlahlo lwabiwo-mali. Ngokufunda iikhompyutheni zakho zokusetyenziswa komntu siqu , unokwazi ukujonga iingingqi ofuna ukuzenza kuzo.
Unokuthi, ngokomzekelo, ufunde iindleko zakho kwaye uqaphele ukuba ufuna ukuhambisa iipesenti ezi-5 zesigaba sokuchitha imali esisodwa, ezifana nezambatho, kwelinye iqela, njengokuthatha umhlalaphantsi.
Inyanga elandelayo, unokufunda i-ledger yakho ukuze ubone indlela ophumelele ngayo loo njongo.
Ukubeka ababini ndawonye
Masiqhube umzekelo wendlela ongayisebenzisa ngayo i-ledger ukukunceda uhlahlo lwabiwo-mali. Masithi uSally urekhoda kakhulu ukuthenga kwakhe ngokuqokelela iirisithi. Ufaka imali esetyenziselwe kwispredishithi ekupheleni kosuku ngalunye.
Ekubeni wenza le mihla ngemihla, uchitha nje imizuzu engamahlanu ngosuku lomsebenzi (ngaphantsi kwesigama seyure ngeveki) esebenza kulo msebenzi.
Ekupheleni kwenyanga, u-Sally ubuyekeze imali yakhe kwaye uyabona ukuba usebenzisa imali ethe xaxa ekudleni kwiivenkile kunokuba wazi. Ufuna kwakhona ukuthatha uhambo lwase-Itali. Ukuxhotyiswa ngedatha kwi-drift yayo ( ispredishithi ), udala uhlahlo-lwabiwo (umgomo-mkhulu-mfanekiso) owamkhokela ukuba achithe ngaphantsi kokutya kwevenkile ukuze akwazi ukukwakha ikhefu leeholide.
Kuthiwani Ngewebhusayithi Ezenzekelayo?
Uhlahlo lwabiwo-mali olufana ne-Mint.com lusebenza njengezikhokelo ezizenzekelayo. Ezi website zenzeke kwaye zihlule iindleko zakho kwaye zibonise iindleko zakho ngefayile, iitshathi kunye nezinye iziboniso eziwusizo. Ingxelo yokuqokelela idatha yale website ibonisa iimpawu zesikhokelo kunokuba impawu zebhajethi.
Kodwa ezi website ziyakukuvumela ukuba ufake iinjongo zakho zokusetyenziswa kwexesha elizayo. KwiMint.com, umzekelo, unokufaka ingeniso ukuba ungathanda ukugcina i-$ 40,000 yehla lokuhlawula ekhaya . Kukho isixhobo esinceda ukubala ukuba ungakanani imali enokuyichitha ngokufanelekileyo endlwini, ngokusekelwe kwimali engenayo.
Ungakhetha ke ii-akhawunti okanye iindidi apho ufuna ukutsala imali yakho yokugcina imali.
Unako ukubeka iliso inkqubela phambili oyenzayo kule njongo.
Injongo yokulandelela injongo yile website ibonisa uhlahlo lwabiwo-mali olwenene. Kodwa uhlahlo lwabiwo-mali alukwazi ukuzenzekela ngokuzenzekelayo njengoko lufuna isalathiso somntu, ukuvavanya, nokucinga okuthe ngqo.
Uhlahlo lwabiwo-mali luquka ukulungiswa kwenjongo enkulu, kodwa i-ledger ingaba luncedo ekuncediseni le nkqubo.