- Ukulawula imali yakho yemihla ngemihla ukwenzela ukuba wenze izinto ezanelisayo kunye nolonwabo.
- Ukukhetha nokulandela ikhosi kwiinjongo zemali zangexesha elide ezifana nokuthenga indlu, ukuthumela abantwana bakho ekholejini , okanye ukuhlala phantsi ngokukhululekile .
- Ukwakha ukhuseleko lomnatha ukukhusela iintlekele zemali ezibangelwa zizifo ezimbi okanye ezinye iintlekele.
Eli nqaku liza kuthatha indlela yokufezekisa okokuqala kulezi njongo: ukulawula imicimbi yezemali yemihla ngemihla, eyona nto inokusibuyisela kwingxoxo yohlahlo lwabiwo-mali.
Kutheni Ndifanele Ube Budget?
Ukulawula imicimbi yakho yezezimali kufuna ukudala uhlahlo lwabiwo-mali . Kubantu abaninzi, igama elithi "uhlahlo lwabiwo-mali" lunegama elibi. Esikhundleni sokucinga uhlahlo lwabiwo-mali njengento yokuxhaswa kwemali, qwalasela njengendlela yokuphumelela kwimpumelelo yemali .
Ingaba wenza amawaka eedola ngonyaka okanye amakhulu amawaka eedola ngonyaka, uhlahlo lwabiwo-mali luyindlela yokuqala kunye neyona nto ibalulekileyo ongayithatha ukubeka imali yakho ukuba isebenzele yona kunokuba ulawulwe yiyo kwaye ungapheli ixesha lakho iinjongo.
Kulabo bacinga ukuba uyazi apho imali yakho ihamba ngaphandle kokugcina iirekhodi ezigciniweyo, ndikukhupha lo mngeni: gcina umkhondo wepesenti oyisebenzisayo inyanga enye. Ndiyathembisa ukuba uya kumangaliswa kwaye mhlawumbi uyothuka kukuba ubuninzi benkcitho yakho "encinci" yongezelela.
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Uhlahlo lwabiwo-mali nokulandelela iindleko zakho kukunika ingqiqo eqinileyo apho imali yakho iya khona kwaye inokukunceda ufinyelele iinjongo zakho zemali, ingaba zibandakanya ukugcina imali yokuhlawula indlu, uqala iikholeji zezingane zakho, ukuthenga imoto entsha, ukucwangcisa ngokuthatha umhlalaphantsi, ukuhlawula amakhadi ekwereti, okanye ukugcina olo luhambo oluya eAruba.
Ekubeni imicimbi yezemali yenye yezona zinto ezibangela ukuxabana komtshato kunye nokuqhawula umtshato, ukufumana isingatha kwimali yakho, ukuzalisekisa uhlahlo lwabiwo-mali, kunye nokulondoloza ixesha elizayo, unokufumana ibhonasi eyongeziweyo kwimibutho yakho kunye neqabane lakho okanye iqabane lakho.
Ngaba kufuneka ndisebenzise iProjethi yeProjekthi yeProjekhthi?
Akudingeki ukuba utyalomali kwi-software eqhelekileyo ukuze wenze uhlahlo lwabiwo-mali. Enyanisweni, ungasebenzisa ipeni elidala kunye nephepha elinomxholo wesicwangciso-mali esiyintloko ukuze uqalise. Kodwa inkqubo efanelekileyo yeprogram ingenza umsebenzi ube lula. Ukukwazi ukujonga iigrafu kunye neengxelo ezivela kwintuthuzelo yekhompyutheni yakho yasekhaya nakho kunokusebenza njengesizathu esongezelelweyo sokungena nokulandelela yonke idatha.
Iibhanki ezininzi ngoku zibonelela ngebhanki ye-intanethi ye-intanethi, engenza ukulandelela ezinye izinto zilula kakhulu. Usenokukwazi ukungena ngemvume kwi-akhawunti yakho yasebhanki kwi-intanethi kwaye ukhupha iitshekethi eziye zacima i-akhawunti yakho kunye nokuthengiselana kwamakhadi e-debit, mhlawumbi nakwi-software yakho yemali. Emva koko unokubonisa uluhlu lweendleko nganye kwisofthiwe.
Ukusebenzisa isabelomali sakho sephepha okanye isofthiwe yesabelomali, unokwenza uqikelelo olusisiseko lwebhajethi ngokubhekisele kwiindleko zangempela ngodidi. Unokukhetha kwakhona ukungenisa ulwazi oluthe nkcukacha ngokubanzi njengotyalo-mali, i-asethi, kunye namatyala kwaye uprinte izitatimende zemali zakho ezibonisa imali engenayo kunye nenzuzo.
Iiprogram ezimbini zezona ziqhelanisiweyo zeprosoft software zetekethi yechungechunge kunye nokulandelela kweendleko ziKhupheka kunye neMaliDance.
Namhlanje, kukho iiprogram ze-intanethi ezifumanekayo zokunceda ukudala uhlahlo lwabiwo-mali kwaye ukulandelela ukusetyenziswa kwemali, kwaye baninzi banika ezinye iinkonzo ezixhasayo zemali. Ezi nkqubo zinokuqhagamshelana ngokukhuselekileyo kunye neakhawunti yakho yasebhanki, i-debit kunye namakhadi-ngxowa-mboleko, iimali-mboleko kunye namanye ama-akhawunti okutyalomali ukuze ulandele zonke izilinganiso zakho kunye neendleko ngexesha langempela. Enye yezona zifunwa yiMint.com. I-Mint inikezela lula ukusebenzisa ithuluzi lokuhlawula ibhajethi ngokuzenzekelayo kwaye lilungelelanise ngeakhawunti zakho, kodwa linika nezinye iinkonzo ezifana nokuhlawulwa kwebhilikhwe kunye nokulandelwa kwamanqaku ekhredithi.
Ekugqibeleni, nokuba usebenzisa isofthiwe yezemali eyinkcazo okanye iipencilisi, into ebalulekileyo kukuba ufike endleleni eya kwinkululeko yemali ngokuqala uhlahlo lwabiwo-mali.
Uza kuqala ukubona indlela iidola ezidibanisa ngayo ...
| Indawo | Iindleko Zonyaka |
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| 2 Iipakethi zeCigarettes / Usuku | $ 2555 - $ 3285 / yr |
| 1 Hardback & 3 Paperback Iiincwadi / Mo. | $ 690 / yr |
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| 3 Ukusela kwiBar / Wk. | $ 936 - $ 1092 / yr |
| Iipakethi ezithandathu zeBhiya / iWk. | $ 624 - $ 936 / yr |