Sebenzisa la maShredithi eWebhsayithi kwiShedyuli seNyathelo-nyathelo
Ukuba ufuna ukudala uhlahlo lwabiwo-mali kwaye ungazi ukuba ziza kuba zeziphi izicwangciso zeebhajethi ziza kukuhamba ngezimali zakho kunye nemiyalelo ecacileyo, isinyathelo ngeyinyathelo. Uyakukwazi ukuluhlu lwemali yakho engenayo, ukuhlawula iindleko zakho, kwaye ugcine yonke iinjongo zakho zokugcina .
Uninzi lwabantu lufumanisa ukuba ukusebenzisa onke ama-worksheet ndawonye yindlela efanelekileyo yokudala uhlahlo lwabiwo-mali olubanzi. Ukuba ukhethe ukwenza njalo ngale ndlela, kuya kukunika iintaka-ukujonga kwamehlo akho kwimpilo yezemali, ebalulekileyo kungakhathaliseki ukuba uninzi kangakanani (nokuba uncinane kangakanani imali) ebhankini.
Nangona kunjalo, ukuba unomtsha kuhlahlo lwabiwo-mali okanye ungakhange ujonge inkqubo yohlahlo lwabiwo-mali, qalisa ngokukhawuleza. Kukulungele ukusetyenziswa kwiphepha elilodwa lomsebenzi kwaye ugxininise kwindawo ethile kwibhajethi yakho.
Ngokomzekelo, ungasebenzisa iphepha lokusebenzela lokuCwangcisa okuCacisa ukufumana ukuba uninzi lwenyanga yakho uthatha umvuzo wakho ekhaya ufuna ukwabela ubunxibe, izinto zokudlala kunye nokuzonwabisa. Oku kunokuba luncedo xa ufumanisa ukuba awunayo imali eyaneleyo ekupheleni kwenyanga ukuhlawula iindleko zakho eziyimfuneko.
Ishicilelo- mali se-Budget 01 - Imali kunye neemfuneko
Olu pheshethi lomsebenzi lweebhajethi likuvumela ukuba uluhlule yonke imithombo yakho yengeniso uze uyithelekise ukuba uyibale kwiindleko zakho ezingundoqo, ezingenakuthengiswa.
Qala ngokuzibuza indlela ofumana ngayo imali engenayo. Ngaba ufumana i-paycheck kanye ngenyanga okanye kwiiveki ezimbini? Ngaba uyayifumana isheke sebhonasi yenyanga, okanye, ngaba uyahlawulwa ngokupheleleyo ngekhomishini? Okanye, ufumene ikhomishini encinci ngaphezu kokutshekisha rhoqo kwiveki? Emva koko, zibuze ukuba unayo nayiphi na inxalenye yengeniso (kungakhathaliseki ukuba u-nominal) okanye ukuba ufumene umvuzo. Musa ukuphuhlisa izinto ezincinci zekitikiti ezifana ne-gig yokubambisa okanye inja yokuhamba umsebenzi oyenzayo ngezinye izihlandlo.
Lephepha lokusebenzela liya kunceda ukulandelela yonke into. Kukunceda ukuba uqaphele ukuba iindleko zakho ezibalulekileyo (ezifana nokutya, izixhobo, ukuthutha, kunye nerenti, okanye iintlawulo zokubolekwa kwemali) zixhomekeke kwiholo lakho leenyanga.
Ukuba uthatha isigqibo sokujongana nephepha elilodwa lomsebenzi ngeli xesha ke lephepha lokusebenzela lokusetyenziswa kuba liyi-sheetwork sheet eyabelwe ezinye ezimbini.
02 I- Worksheet yoHlahlo lwabiwo-mali
Nanku apho ufumana khona uluhlu lweendleko zakho "ezijabulisayo", njengokugqithisa kwi-makeup entsha, ukukhuphela i-hit entsha entsha kwiTunes okanye ukuzama ukuba ivenkile entsha yokuthetha ngayo. Ukuba ufuna ukuhlawula ibhajethi yakho, ezi ziindawo ezilula ukuzenza.
Kodwa umthengi uqaphele. "I-Discretionary" iliso lombonisi. Leli gama lithetha "ukusebenzisa isigwebo." Ngoko, sebenzisa isigwebo sakho ukugqiba isigqibo sokuba ngaba ezi zinto ziqonda ngokufanelekileyo okanye, zivakale ngakumbi njengezinto eziyimfuneko. Ngokomzekelo, ukuba uyisidlangalatya sokutya kwaye uzama umqhubi weenkwenkwezi ezine zakamuva uza kufana nokufuneka.
Oku kuthethi, ukuba unenene ngempela malunga nokugcina imali, kufuneka ukhangele iindleko zakho zonke iindleko zakho kwaye kungekhona nje ezo zinto "eziyimfuneko".
Yaye uzame ukungacingi nje ngokuba uzilahla, kuba oko akusikho uhlahlo lwabiwo-mali. Endaweni yoko, cinga ngezinto ezithengiweyo azenzi nto nayiphi na ebomini bakho, okanye ukuba uya kuvuyisa imali yakho kwenye indawo.
03 I- Worksheet ye-Budget - Iinjongo zokugcina
Kukho izizathu ezingenakubalwa ukusindisa ekubeni unako ukuthenga umbhede omtsha kwi-den yakho ukuze ube nemali yokusingatha umtshato okhangayo kwintombi yakho. Ukuba ufumana ukuxakeka kuzo zonke iinjongo zakho zokugcina, ungakhathazeki. Oku kuqhelekileyo.
Ukuba nokukhetha okuninzi kunokubangela ukhathaza ukuba kutheni lephepha lokusebenzela linceda kakhulu. Ispredishithi yomsebenzi wokulondoloza liya kukunceda uluhlu ucinge malunga nazo zonke iinjongo zakho kwaye uqonde apho ufuna ukuba imali yakho ihambe khona. Kwaye, kuya kunceda ubeke izinto eziphambili.
Ngaphandle kwaloluhlu, unokuzifumana usindise ngenxa yezinto ezingalunganga, okanye ungasindisi nonke kuba "kuninzi" ukuyigcina. Ukufumana zonke iinjongo zakho ezihlelwe kolunye uluhlu kuya kukunika uxolo kwengqondo kufuneka uqinisekise ukuba wenza into efanelekileyo ngemali yakho.