Hlalani phezulu kwi-Flow cash yakho
Ukuba uzama ukutshintsha umfanekiso wakho wezezimali, kubalulekile ukulandelela iindleko zakho ngenyanga. Oku kukuvumela ukwazi ukuba sele uchithile kwaye kuphi. Kubaluleke kakhulu ukulinganisela i-akhawunti yokukhangela kunye namakhadi enkokhelo kwisitatimende sebhanki inyanga nganye. Yinto encinci yesinyathelo esongezelelweyo, kodwa ikuvumela ukuba ubone iingxaki nge-akhawunti yakho kwaye inokukuthintela kwi-overdrawing. Enoba ulandelela iakhawunti zakho kunye neepeni kunye nephepha okanye usebenzisa isofthiwe yezemali, eli liyinyathelo elibalulekileyo ofuna ukuyigcwalisa. Funda 7 izizathu zokuba ufanele uthathe ixesha lokulinganisela i-akhawunti yakho yokutshekisha kwintetho yakho inyanga nganye.
01 Gcina iimpazamo ozenzayo
Esinye sezizathu ezibalulekileyo kufuneka ulinganise i-akhawunti yakho yokukhangela kwisitatimenti sakho kukubamba nayiphina impazamo kunye nokugcinwa kwerekhodi yakho. Oku kungabonakala ngathi ugcina umkhondo ngesandla, kodwa nangona usebenzisa isofthiwe, unokwenza iimpazamo ekungeniseni iipositi okanye ukuthengiselana. Ezi ziyimpembelelo emincinci, kodwa iinombolo ezithintelayo zingaphelela nge-balance balance off. Ukulinganisela kwisitatimende sakho sasebhanki kuya kunceda ekubambeni abo kwaye kukuthintele ekugqithiseni ngokungafunekiyo. 02 Ukulandelela Ukuchitha Kwakho
Xa ulinganisela i-akhawunti yakho yokukhangela, unokulandelela iindleko zakho. Kulula kakhulu ukwenza oku kunye nesofthiwe yezemali yecala enika inani elipheleleyo. Xa ufaka umthengi kwi-app yakho, iya kulandelela ngokuzenzekelayo imali yakho ukuze ukwazi ukuba uyayeka nini ukuchitha. Kwakhona kunceda uceba iindleko zonyaka ngenxa yokuba unokubukela emva kwenkcitho yakho yonyaka kwaye ubone izinto onokulibala ukuhlawula imali. 03 Gcina iimpazamo zakho iBhanki yakho Yenze
Amabhanki ayaziwa ukuba enze iimpazamo . Nangona kunjalo, ukuba awulinganisi kwiakhawunti yakho, awukwazi ukuqaphela ukuba idiphozithi ayikho okanye ukuhoxiswa akuvumelekanga. Kukho umzila wephepha apho ibhanki isebenzise kwaye kufuneka usebenze nebhanki yakho ukulungisa nayiphina impazamo. 04 Fumana iinguqu ezikhohlisayo
Ukuchonga ubusela buba nzima ngakumbi. Ulwazi lwekhadi lakho lokubambisa lungabiwe. Amasela asetyenziswa ngolwazi lwekhadi ukuthenga i-intanethi. Ngamanye amaxesha ezi zinto zikhulu, kodwa ngamanye amaxesha zenza intsebenziswano emincinci, ukuba awulinganisi i-akhawunti yakho, awukwazi ukubamba ezi ntlawulo. Amabhanki kunye neenkampani zekhadi lesikweletu zixesha elinokuthi uxele iifayili zobuqhetseba, ngokuqhelekileyo phakathi kweentsuku ezingamashumi amathathu anamashumi asithoba ukusuka kumhla wesitatimende. Yingakho kubalulekile ukulinganisela i-akhawunti nganye ngenyanga. Oku kunokukunceda ukuba ubambe izinto ezifana nokuthengwa ngengozi eqhutywe kabini kwivenkile.
05 Qaphela ukuba Uphi Iimali
Ukuba imali yakho iqinile kwaye uhlala kwi-paycheck ukuhlawula imali , ngoko kufuneka ulandelelise ngokuchanekileyo inkcitho yakho ukuqinisekisa ukuba awuyi kukhwela ngenye indlela i-akhawunti yakho. Oku kwenzeka ntoni xa utshatile kwaye nonke nifumana i-akhawunti yokutshekisha. Kubalulekile ukulinganisa i-akhawunti yakho ukuze ukwazi apho ukhona kwaye uninzi kangakanani imali oye washiya ukuyichitha de kubekho ukuhlawula okulandelayo. Unokuphephelela ngoku ngokwakha kwisigxina se-$ 100 kwisabelo-mali sakho. Oku kunokukunqanda ukukhishwa kwe-overdrawing ngenxa yephutha lematriki elula.
06 Fumana iintlawulo ezizenzekelayo ezingapheliyo
Unakho ukuhlawula ngokuzenzekelayo ukusetyelwa ukuhlawula imali yebhola, ukuhlawula iibhola zonyango, i-inshorensi okanye enye inkokhelo encinci yenyanga. Ezi ntlawulo zifanele zihambe ngaphandle kwe-hitch, kodwa ngamanye amaxesha ukuba inkampani ishintshele kwinkqubo entsha, ufumana inombolo entsha yekhadi lesikweletu, okanye unemiba, iintlawulo ezingenakuhamba. Kwezinye iimeko, kungenzeka ukuba ayikho into ebalulekileyo, kodwa xa iphelile kunye ne-inshorensi yakho ikhanseliwe, okanye iifizi zokugqibela, ingagcina ixabisa ngaphezu kwakho. Xa ulinganisela inkcazo yakho inyanga nganye, kukuvumela ukuba ubambe ezi mpazamo kwaye uqhagamshelane nenkampani ukuqinisekisa ukuba konke kulungile. 07 Yeka Izinto Ezincinci Ukuba Izinto Ezinkulu
Xa ulinganisela i-akhawunti yakho, unokubamba iintlawulo ezincinci okanye iimpazamo ezingabonakali ngathi zininzi phezu komhlaba. Uyakhumbula ukurekhoda ukuhoxiswa kwe-ATM, kodwa ayikho imali eyongezelelweyo ibhanki yakho yebhanki yokusebenzisa i-ATM yebhanki eyahlukileyo. Le mirhumo ingaba yincinci, kodwa ukuba ungababambi kwaye uyongezelele kwibhalansi yakho, ungagqiba ukurhoxisa i-akhawunti yakho. Xa ugodla i-akhawunti yakho, iifowi ziyakongeza ngokukhawuleza kwaye ikuthumele kumjikelezo we-overdraft.