IPhepha / ipensela, amaSpredishithi, iiNkqubo-nkqubo zikho izixhobo ezininzi zohlahlo lwabiwo-mali
Ungaxhalabi. Kukho ezininzi zokukhetha ukhetho ukususela xa kuvela ekudaleni uhlahlo lwabiwo-mali olusebenza kuwe.
Nazi iindlela ezimbalwa zokuqalisa ukuba ubenze uhlahlo lwabiwo-mali oluya kukunceda ufinyelele iinjongo zakho.
Iphepha-kunye nePensile
Into eyona nto ebalulekileyo ongayenza kuhlahlo lwabiwo-mali isebenzisa iphepha kunye neepensile. Ungasebenzisa la maxwebhu okusebenzela uhlahlo lwabiwo-mali ukukunceda uqonde indlela yokwenza olu hlobo lohlahlo lwabiwo-mali.
Iifom zabasebenzi ziza kuthatha isinyathelo-nge-nyathelo kuzo zonke iindleko ezihambelana nokufuneka, ezifana nokutya; zonke iindleko ezihambelana nokunethezeka, ezifana nokutya kwiivenkile; kunye nayo yonke injongo yokulondoloza onokuyenza .
Indlela efanelekileyo yokuqala uhlahlo lwabiwo-mali ngowokuqala ukuqikelela ukuba ungathanda ukuchitha phi inqanaba ngalinye (i-gas, izibonelelo, ukutya) ngenyanga. Emva koko, kwicala elikufutshane, bhala ukuba uphelile kangakanani le nyanga. Uyakwazi ukubona umehluko phakathi kwezi zibini kwaye ulungele ngokufanelekileyo.
Ukuba ukwenza oku kwiinyanga ezilandelelanayo, uya kufumana ingqiqo yemali oyichithayo kwinqanaba ngalinye ngenyanga. Uya kufumana ingqiqo yemali oyichithayo ngokubanzi. Emva koko uza kukwazi ukunciphisa ukuhluka phakathi kweendleko zakho ezicetywayo kunye nenkcitho yakho yangempela.
Iipredishithi
Ukuba awunomdla ekusebenziseni uhlahlo lwabiwo lwepencil kunye nepencil, ungasebenzisa isofthiwe esiluncedo samahhala njengoMicrosoft Excel ukudala ispredishithi.
Abanini bamatyala abaninzi bemboleko kunye neebhanki bakuvumela ukuba uthumele izitatimenti zakho ngqo kwi-Excel ukuze ubhale ngokuzenzekelayo ulwazi olukwimali yakho yekredithi kunye nekhadi kwi-spreadsheet.
Ukuba usebenzisa i-Google AmaSpredishithi, unokwabelana ngespredishithi sakho sebhajethi kunye nabanye ekhaya.
Umntu ngamnye onokufikelela kwi-spreadsheet unokuyihlaziya, kwaye oko kuhlaziywa kwenzeka ngexesha langempela. Ngamanye amagama, ikhaya lakho lingabambisana bonke ufikelelo kunye nokuhlaziya ispredishithi ngaphakathi kwelifu, ngaphandle kwesixa, xa unayo i-akhawunti ye-Gmail / ye-Google.
Into enhle malunga ne-Excel kunye ne-Google kukuba ngamnye unokufumana iikhompythi zeebhajethi ezihlawulelwayo, ngoko ke akudingeki uqale ukusuka ekuqaleni.
Software Online
Ukuba awunomdla kwizipredishithi, ungasebenzisa iprogram ye-Intanethi njengeMint.com. Uya kufuneka unikezele iinkcukacha ze-akhawunti yakho yokungena ngemvume yebhanki kunye nekriti, kodwa ungakhathazeki, i-Mint.com ikhuselekile.
Le webhsayithi ngokukhawuleza idonsa ulwazi lwakho kwaye ikubonisa ukuba uchitha ixesha elingakanani ngenyanga. Kwakhona kukuvumela ukuba wenze iinjongo, ezifana nokulondoloza umhlalaphantsi okanye ukugcina iholide.
Ngaba ungumtyalo-mali othanda imali yokulandelela? I-Capital Capital esinye isixazululo samahhala esifana ne-Mint kodwa sijoliswe kubo abo bane-akhawunti yokutyalomali.
Apps Mobile
Kukho ezininzi iinkqubo eziza kunceda uhlahlo lwabiwo-mali. Iiphampu ziphinde zikhulule i-app evumela ukuba wenze isicwangciso-mali sokubhajethi. Abanye abantu bakhetha uhlahlo lwabiwo-mali ngokuthwala imali yabo kwiimvulophu, nganye imvulophu ekhethwe kwiintlobo zebhajethi ezifana "nokutya" kunye "negesi." Le ncedisi ikuvumela ukuba uphinde uphinde uphendule.
Iinkqubo ze-Intanethi ezifana ne-Need Your Budget, i-Mint, kunye ne-Capital Capital nazo zinokusetyenziswa kwe-interactive ezingakunceda uhlahlo lwabiwo-mali.
Ingqwalaselo yeenkqubo ezahlukeneyo ezinokukunceda wenze uhlahlo lwabiwo-mali. Kukho amanani amaninzi ahlukeneyo kuxhomekeke ekubeni uthanda ukukhetha iphepha kunye neepeni, amaspredishithi, ii-apps, iiwebhusayithi okanye ezinye iindlela. Akukho ndlela ekhethekileyo. Khetha okusebenza kakuhle kuwe.
Ngenye indlela, ukuba unomdla wokudala uhlahlo lwabiwo-mali, ungasoloko ubonisa ukugcina imali yakho phezulu uze uchithe konke. Ndibhekisela kule ngxelo njengebhajethi ye- 80/20, kwaye yindlela ekhethekileyo yohlahlo lwabiwo-mali kubantu abangathandi ukuhlolisisa iinkcukacha.
Ndikhethile iThuluzi ... Ngoku Yintoni?
Ngoku ukuba ukhethe isixhobo sakho sohlahlo lwabiwo-mali, lixesha lokugxila kwingqalelo ebaluleke kakhulu ekudaleni uhlahlo lwabiwo-mali: ukubeka eceleni imali eyaneleyo yokugcina imali.
Kukho iindlela ezimbini ongenza oku:
- Unokwenza uhlahlo lwabiwo-mali ukuba, ngokubanzi, ufuna ukulondoloza kuzo zonke iinjongo zakho kunye nokuhambisa yonke loo mali kwi-akhawunti eyodwa yokulondoloza. Umzekelo, unokuba ufuna ukugcina i-$ 200 ngenyanga ukuya ekuthengeni imoto yakho elandelayo, i-$ 50 ukuya kwisikhwama sokulungisa imoto, i-$ 50 ukuya kweholide, i-$ 100 ukuya kwondlo lwekhaya, i-$ 100 ngenyanga ukuya kwi-bill yezilwanyana ezingalindelekanga, kunye ne-70 $ ngenyanga ukuya kwiholide imali yesipho. Unokudibanisa nokudibanisa zonke ezo njongo ngokwenza igalelo elipheleleyo kwi-akhawunti yokulondoloza.
- Ngaphandle koko, unokuvula i-akhawunti yokugcina imali ekuvumela ukudala ii-akhawunti ezingezantsi ezijoliswe kwiinjongo ezithile. Iiwebhsayithi ezifana ne-Smartypig.com, umzekelo, kukuvumela ukuba wenze amaqela amaninzi ahlukeneyo akhankanywe kwiinjongo nganye.
Ngoku ulungele ukuqala ukubeka ibhajethi yakho kwisenzo.