Iitshekethi zisasaqhelekanga ngokuqhelekileyo, nakwihlabathi lamanje lanamhlanje. Ukuhlolwa kwePhepha kuyithuluzi elisebenzayo nelingabizi ukuhambisa imali, kodwa mhlawumbi ungabhalwa isheke nganye imihla (okanye mhlawumbi awuzange uyenze ngaphambili).
Ukubhala itekisi kulula, kwaye le tutorial ibonisa indlela yokuyenza ngayo. Hambisa kwisinyathelo ngasinye ngomntu omnye, okanye sebenzisa umzekelo ongasentla njengemodeli yokuhlola okufuneka ubhale (jonga umfanekiso omkhulu). Gqibezela amanyathelo kunoma yimuphi umyalelo oyithandayo. Kulo mzekelo, uya kusuka phezulu kwisesheke ukuya ngasezantsi, okufuneka kukuncede ungaphepheli nawaphi na amanyathelo.
01 Umzekelo
Nantsi imbonakalo yokukhangela isheke epheleleyo.
- Umhla wangoku: Bhala oku kufutshane nekona eliphezulu. Kwiimeko ezininzi, uya kusebenzisa usuku lomhla, olukunceda wena nommkeli ukuba bagcine iiirekhodi ezichanekileyo. Unokuphinda uthumele isheke , kodwa loo nto ayisoloko isebenza ngendlela ocinga ngayo.
- Umvuzo: Ngomgca othi "Bhatala umyalelo," bhala igama lomntu okanye umbutho ohlawulayo . Kufuneka ucele ukuba "Ngubani na owenzayo ukukhangela?" ukuba awuqinisekanga ukuba ubhale ntoni. Gwema ukubhalwa kweetekisi ezihlawulwa ngemali- into elula kodwa ingozi .
- Imali kwifom yenombolo : Bhala inani le ntlawulo yakho kwibhokisi elincinci kwicala lasekunene. Qala ukubhala ngokugqithiseleyo ukuya ngasekhohlo kunokwenzeka. Ukuba inkokhelo yakho i-$ 8.15, i-"8" ifanele iqonde ngokubhekiselele kumda wesokunxele webhokisi yeli dola ukukhusela ubuqhetseba. Funda imizekelo yendlela yokubhala ngayo imali .
- Isixa ngamagama : Bhala ibali usebenzisa amagama ukuphepha ukukhwabanisa nokudideka. Oku kuya kuba semali esisemthethweni yentlawulo yakho. Ukuba loo mali ihluke kwifom yefayile oyifakayo kwisinyathelo esedlule, inani elibhalileyo ngamagama liya kuba semthethweni kwisheke sakho . Sebenzisa zonke IINKETHI ZOKUQALA, ezinzima ukuguqula.
- Isayinitsha : Tyikitye isheke ngokuchanekileyo kumgca kwinqona elisezantsi. Sebenzisa igama elifanayo kunye nesayine kwifayili yakho. Le nyathelo ibalulekile-itekethi ayiyi kusebenza ngaphandle kokusayinwa.
- Imemo (okanye "Ngokuba") umgca: Ukuba uthanda, faka inqaku. Eli nyathelo likhethiweyo kwaye aliyi kuchaphazela indlela iibhanki ezenza ngayo isheke. Umgca weememo yindawo enhle yokongeza isikhumbuzo sokuba kutheni ubhala isheke. Kungenzeka nokuba yindawo ekubhaliseni ulwazi oza kulusebenzisa umvuzo wakho (okanye ufumane i-akhawunti yakho ukuba kukho into engafanelekanga). Umzekelo, ungabhala iNombolo yoKhuseleko loLuntu kulo mgca xa uhlawula i-IRS, okanye inombolo ye-akhawunti yeentlawulo zesevisi.
Emva kokuba ubhale isheke , yenza irekhodi yentlawulo. Irejista yokukhangela yindawo efanelekileyo yokwenza oku, nokuba usebenzisa i-rejista okanye iphepha lerejista. Ukurekhoda inkokhelo kukuthintela ukuba uchithe imali kabini-imali iya kubonisa njengokuba ikhona kwi-akhawunti yakho de emva kokutshekisha isheke okanye i-cashed, kwaye oko kuthatha ixesha. Kungcono ukwenza inqaku le ntlawulo ngelixa lilungele ingqondo yakho.
Ngaphambi kokubhala isheke , qiniseka ukuba yinto emele ukwenze. Ukubhala isheke kulukhuni, kwaye akuyona indlela esheshayo yokuhambisa imali. Unokwenza ezinye iindlela ezenza lula ubomi bakho kwaye kukuncede ugcine imali. Umzekelo, unako:
- Bhatala iibhilidi kwi-intanethi , uze uxelele ibhanki yakho ukuthumela isheke ngokuzenzekelayo nyanga nganye. Akuyi kubakho ukubhala isheke, ukuhlawula iposi, okanye ukukhangela kwi-imeyile
- Fumana ikhadi lokubambisa kwaye uchithe loo ndawo endaweni yoko. Uya kuhlawula kwi-akhawunti efanayo, kodwa uya kuyenza ngekhompyutha. Akukho mfuneko yokusebenzisa ukuhlola (okuya kufuneka uhlawule kwakhona ), kwaye uya kuba nekhompyutheni yekhompyutheni yomthengi wakho negama le-payee, umhla wokuhlawula kwakho kunye nesixa.
- Ukubeka iintlawulo zenzeke ngokuzenzekelayo ngeentlawulo eziqhelekileyo njengee-billing and utility premiums. Kukho akukho mrhumo wokuhlawula ngale ndlela, kwaye yenza ubomi bakho bube lula. Qiniseka ukuba uhlala ufumana imali eyaneleyo kwi-akhawunti yakho ukuze uhlawule i-bill.
Kungakhathaliseki ukuba ukhetha ukuhlawula njani, qiniseka ukuba uhlala unemali eyaneleyo kwi-akhawunti yakho yokujonga. Ukuba awuyiyo, iintlawulo zakho " zinokubamba " kwaye zidale iingxaki, kubandakanywa iimali eziphezulu kunye nemiba esemthethweni.
02 Ukurekhoda intlawulo kwi-Check Check Register
Yenza irekhodi nganye iteksi ubhala kwirejista yetshekhi (jonga umfanekiso omkhulu kule nqanaba). Ukwenza njalo kuya kukuvumela ukuba:
- Ukulandelela iindleko zakho ukuze ungazithengi.
- Yazi apho imali yakho iya khona. Isitatimende sakho sebhanki sinokubonisa kuphela inombolo yetshe kunye nemali-kungekho ncazelo malunga nobani obhala isheke.
- Khangela ubuqhetseba kunye nobusela besazisi kwi-akhawunti yakho yokukhangela.
Kufuneka ufumane irejista yokukhangela xa ufumana i-checkbook yakho. Ukuba awunayo enye, funda ngokubanzi malunga nokuba kutheni ukuba iirejista zibaluleke kwaye ziphi na ezo . Kulula ukwenza lakho usebenzisa iphepha okanye ispredishithi.
Kopisha yonke ingcaciso ebalulekileyo kwisheke:
- Inombolo yokukhangela
- Umhla owawubhala ngayo isheke
- Inkcazo yomthengi okanye ngubani obhala isheke kuye
- Ingakanani intlawulo
Ukuba ufuna iinkcukacha ezingakumbi malunga nokufumana le ngcaciso, jonga umzobo obonisa indawo ezahlukeneyo zetshekhi .
Ungasebenzisa irejista yakho ukulinganisela i-akhawunti yakho yokutshekisha . Oku kuyinkqubo yokujonga ngokuphindaphindiweyo yonke into eyenziweyo kwi-akhawunti yakho yasebhanki ukuqinisekisa ukuba wena kunye nebhanki kwiphepha elifanayo. Uyakwazi ukuba kukho iimpazamo kwi-akhawunti yakho, kwaye ukuba ngaba ngubani na ongaphumeleli ukufaka isheke ewalubhaleyo (oko kukukwenza ukholelwe ukuba unayo imali eninzi ukuyisebenzisa).
Irejista yakho yokutshekisha ingabonelela ngombono osheshayo malunga nemali enayo. Emva kokuba ubhale isheke, kufuneka ucinge ukuba imali ihambe-kwezinye iimeko, iifowuni zikhishwe kwiakhawunti yakho ngokukhawuleza ngenxa yokuba isheke lakho liguqulwa kwi-check check . Kulo mzekelo ungentla, sinokucinga ukuba uvuka namhlanje ekuseni nge $ 100 efumaneka kwiakhawunti yakho. Ngoku ukuba ubhale isheke malunga ne-$ 8.15, unayo i-$ 91.85 kuphela.
Iingcebiso ze-03 zokubhala i-Check
Xa ubhala isheke, qiniseka ukuba isetyenziswe ngendlela owawuhlose ngayo-ukuhlawula imali okulindelwe kumntu okanye kwinhlangano owawujolise kuyo.
Amasela angenza utshintsho olulahlekileyo okanye lubiwe. Iitshekitshi zinamathuba amaninzi okulahleka emva kokushiya izandla zakho, ngoko yenza kube nzima ukuba amasela enze i intloko kuwe. Ukuba ngaba ulahlekelwa yimali ngokusisigxina, kuya kufuneka uchithe ixesha kunye nomgudu wokucoca i-messes emva kobuqhetseba.
Iingcebiso zoKhuseleko
Ukuphuhlisa imikhwa engezantsi ukunciphisa amathuba okukhwabanisa alahle iakhawunti yakho.
Yenze isigxina: Sebenzisa ipeni xa ubhala isheke. Ukuba usebenzisa ipensela, nabani na i-eraser banokutshintsha inani lesheke lakho kunye negama le-payee.
Akukho ukuhlola okungafihli: Musa ukusayina isheke kuze kube yilapho ugcwalisile egameni lomqhubi kunye nesixa. Ukuba awuqinisekanga ukuba ngubani omele enze iteksi ehlawulwayo okanye into ebiza ngayo, velisa nje ipeni-yingozi kakhulu kunokuba unike umntu ukufikelela okungenamkhawulo kwi-akhawunti yakho yokujonga.
Hlalani uhlolisayo ekukhuleni: Xa ugcwalisa inani leedola, qiniseka ukuba uprinta ixabiso ngendlela evimbela abagxeki ukuba bangene kuyo. Yenza oku ngokuqala kumda osekunxele wesithuba, uze udwebe umgca emva kwedijithi yokugqibela. Ngokomzekelo, ukuba isheke lakho li-$ 8.15, faka "8" ukuya ngasekunene kunokwenzeka. Emva koko, udweba umgca ukusuka kwicala lasekunene le "5" ukuya ekupheleni kwesithuba okanye ubhale amanani amakhulu kangangokuba kunzima ukongeza nayiphi na inamba. Ukuba ushiya isikhala, umntu unokufaka iidijithi, kwaye ingheke yakho ingaphelela ibe yi-$ 98.15-okanye i-$ 8,159.
Iikopi zeCarbon: Ukuba ufuna iphepha lokubhalwa kwitshekethi oyibhalayo, thola iincwadi zokukhangela ngeikopi zekhabhoni. Ezi zincwadi zincwadi ziquka iphepha elincinci elinesibini ikopi nganye. Ngenxa yoko, unokukhawuleza ukuchonga apho imali yakho ihambe khona kanye nento oyibhalele kuyo yonke into. Unokukhangela kwakhona ukuhlola i-intanethi, kodwa ezinye iibhanki zinikeza kuphela imifanekiso yamahhala kwinyanga okanye ezimbini. Iikopi zakho zekhabhoni zinokuhlala zijikeleze iminyaka ukuba ufuna ukuzigcina zide.
Umqondiso wesigxina: Abantu abaninzi abanasiginitsha esivakalayo, kwaye abanye banokuthi batyikitye kunye neesitifiketi zekhadi lesikweleti ngemifanekiso ehlekisayo. Kodwa ngokuqhubekayo usebenzisa isignesha efanayo kukunceda kunye nebhanki yakho ukuchonga ubuqhetseba. Kuya kuba lula kuwe ukuba ubonise ukuba awukho uxanduva lweentlawulo ukuba isayineli ayifani.
Akukho "Ikheshi": Gwema ukubhala isheke ehlawulwa kwikheshi . Oku kusemngciphekweni njengokuba uphethe i-check engafakiweyo okanye i-wad yemali. Ukuba ufuna imali, khawula kwi-ATM, uthenge intonga yegum uze uhlawule imali usebenzisa ikhadi lakho lokukhwabanisa, okanye ufumane imali kwi-teller .
Bhala amasheke ambalwa: Iirekhodi azikho ingozi, kodwa kukho iindlela ezikhuselekileyo zokuhlawula izinto. Xa wenza iikhompyutheni zekhompyutha, akukho phepha lilahleka, libiwe, okanye lihlolwe ngamasela. Uninzi lwezihloli liguqulwa kwintlawulo yekhompyutheni nantoni na, ngoko awuphepheli iteknoloji ngokusebenzisa ukuhlola. Iintlawulo zekhompyutheni ngokuqhelekileyo zilula ukulandelela kuba sele sele zifomathiki ezikhangelekayo kunye nesitampu somhla kunye negama lomvuzo. Sebenzisa izixhobo ezifana nentlawulo ye- intlawulo ye- intanethi kwiindleko zakho eziphindaphindiweyo, kwaye usebenzise i-credit card okanye i-debit card ( mhlawumbi ikhadi lesikweletu ) yokuchitha kwansuku zonke. Ngaba ufuna ukuthumela imali kubahlobo kunye nosapho? Unokwenza njalo-kaninzi ukhululekile .