Imvulophu yeeMisebenzi yeBhajethi
Indlela yokuhlawula ibhajethi yaqala kwakhona xa iibhokhwe zihlawulwa ngemali kwaye abantu bahlula iibhidi zeemali kwiimvulophu ezahlukileyo , ngasinye sichaza injongo eyahlukileyo. Nangona ungasayisebenzisi imali ukuhlawula iindleko, umgaqo usasebenza kwaye ungasetyenziswa usebenzisa iteknoloji yezezimali namhlanje.
Kulo mzekelo, siya kusebenzisa ixesha lenyanga, kodwa ungasebenzisa ngeveki okanye nayiphi na ixesha elikusebenzelayo.
- Ukusebenzisa uhlahlo lwabiwo-mali, qalisa udidi lwezentlupheko zohlahlo lwabiwo-mali kwaye ubeke imida yokusetyenziswa kwezi zigaba. Inani elipheleleyo kwiinkalo zenkcitho kufuneka zingadluli imali yakho yenyanga.
- Ukusebenzisa imvulophu enye kwinkalo yokuchitha imali, bhala igama leqela ngalinye kunye nesixa-mali senyanga-mali kwiimvulophu. Ukuba uhlawulwa ngeveki okanye bimonthly, ukwahlula ixabiso lemali nganye kwinqanaba ngalinye ngenani lamaxesha okuhlawula kunye nokurekhoda loo nombolo kwimvulophu.
- Ngokomzekelo, cingela imali yokuhlawula imali, nangona abaninzi abantu baneentlawulo zabo ezihlawulwe ngokuthe ngqo. Ukuhlawula imali yakho yokuhlawula kunye nokubeka imali eyabelwe kwisigaba ngasinye sebhajethi kwiimvulophu.
Umzekelo olula kakhulu uza kuba yi-$ 500 eyi-paycheck yokuhlawula imali ngeendleko:- I-100 eyi-100 iya kwi-envelope yebhajethi yokutya
- I-200 kwi-envelope yebhajethi yerhafu
- U-70 ukuya kwi-envelope yebhajethi kunye nokugcinwa kwemoto
- I-30 ye-envelope yebhajethi yesibonelelo
- U- $ 70 ukunyamekela kunye nemvulophu yokugqoka
- I-30 ye-envelope yohlahlo lwabiwo-mali
- Xa uya kuthenga okanye uhlawula ibhilikhi, thatha imali yokuhlawula kwimvulophu efanelekileyo.
Amandla okubhajethi ye-envelope kukuba kukunyanzela ukuba uhlale unxibelelana nemikhwa yokuchitha imali ngenxa yokuba imvulophu ayinanto, awukwazi ukuyichitha ukususela kuloo ndawo kuze kube yile mvulophu izaliswa ngumvuzo wokugqibela.
Iimvulophu uhlahloye nge-Software Software
Ngokufaka idiphozithi ngokukhawulezileyo yokuhlawula iifowuni, ukutshintshwa kwemali ngekhompyutha, amakhadi e-debit , amakhadi enkoleko kunye nokuhlola, uhlahlo lwabiwo-mali lwemveli luphelile. Nangona kunjalo, i-software yemali okanye isabelomali esakhelwe kwimigaqo-bhajethi yemigaqo-mali yenza ukuba usebenzise iindlela ezifanelekileyo zokuthengiswa kwemali ngelixa usebenzisa uqeqesho lwebhalophu.
Iprogram yohlahlo lwabiwo-velophu isebenzisa ii-envelopes ezibonakalayo okanye ezinye iigrafti ezimele iintlobo zebhajethi kwaye zibonise umsebenzi wokusebenza kunye nezilinganiso kwicandelo ngalinye. Xa ingeniso ibhalwa, isofthiwe isasaza isabelo kwi "mvulophu" nganye. Xa kuthengwe ukuthenga, tshela isofthiwe esetyenziswayo kwiinkalo zokusebenzisa kwaye isofthiwe inciphisa "imali" kwiimvulophu.
Ukuba usebenzisa ikhadi lekhredithi okanye indlela efanayo yokuhlawula, isofthiwe isithumela iindleko ezipheleleyo kwenye imvulophu ukuba ibambe "imali" kuze kuhlawulwe i-bill card. Iingxowa-mali ezihlawulwa ngokukhawuleza kwaye zingabeki kwikhadi lesikweletu (ukuhlawulwa kwemoto, umzekelo) yenza isofthiwe isuse imali yokuhlawula kwimvulophu efanelekileyo.