Gwema iintlawulo, ukulwa kunye neZiphene
Kwixesha elidlulileyo, unokulinganisela i-checkbook yakho ephepheni. Akukho nto ephosakeleyo ngokuqhubeka nokukwenza ngaloo ndlela, kodwa unokukhetha ukhetho olongezelelweyo.
Ngoko, ukuba ufuna isixhobo sokukunceda ukugcina izinto, ezinye zazo zidweliswe ngezantsi.
Emva kokufumana isixhobo sakho esikhethiweyo, siza kuxubusha ukuba njani kwaye kutheni ukulinganisela iakhawunti yakho.
- Ukulinganisela kumaphepha: Ukuba uthanda ukusebenzisa ipenseli nephepha, khangela ingxelo yakho yebhanki - mhlawumbi itemplate eprintwe apho. Unokukhuphela kwaye uprinte ifom yeFom .
- I-Excel spreadsheet: Kubasebenzisi beMicrosoft Office, kukho i template ye-Excel yespredishithi elula kunye neenguqulelo ezinamandla ezithatha iindidi zakho zokuchitha.
- I-Google AmaSpredishithi: Ukulandelela yonke into ye-akhawunti yakho ye-Google, sebenzisa le nguqulelo yeklasi yokuhlola okanye uhambe nje kunye noyilo olulula kakhulu.
- I-Ofisi evulekileyo: Abalandeli bomthombo ovulekileyo banesitemplate esihle kakhulu.
Indlela yokulinganisa iAkhawunti yakho
Kungakhathaliseki ukuba yeyiphi ifomathi oyisebenzisayo, kufuneka ukwazi ukufeza imisebenzi emibini ebalulekileyo:
- Yazi ukuba uninzi kangakanani imali enokuyisebenzisa.
- Ukuphonononga ukuthengiselana ukubona iimpazamo okanye iimpawu zokuba utywala kwi-akhawunti yakho.
Naliphi na itemplates apha ngasentla inokukunceda wenze njalo.
Ukuze uqalise, bamba ibhalansi yakho yakutshanje. Ngokwesiko uya kufumana loo nombolo kwisitatimende sakho senyanga, kodwa unokufumana i-balance-to-minute-balance inthanethi (kusekho ixabiso ekulinganiseni i-akhawunti yakho - nangona ungabona ibhalansi ye-akhawunti 24/7).
Inyathelo 1: Faka ibhalansi yakho yakutshanje kwifomu yakho okanye ispredishithi. Khangela ukungena ngegama elinje:
- Ukugqibela ibhalansi kuboniswe kwingxelo
- Ibhalansi yokugqibela yokugqibela
- Ukulinganisela kokuqala
Inyathelo lesi-2: ididithi ezingekho phantsi kunye neengxowa-mali kwi-balance balance. Ezi zizinto ezingabonakali njengentengiso kwi-akhawunti yakho, kodwa ukuba uya kuqinisekiswa uza kukhishwa ngaphambi kokuba uchithe nayiphi na imali.
Umzekelo, usenokuba ubeke imali kwi-ATM ngeveki (kwaye uyazi ngamava ukuba ibhanki yakho iya kuthenga ixabiso lakho ngokupheleleyo kwi-akhawunti yakho ngoMsombuluko), okanye ungayazi ukuba umvuzo kumqeshi wakho uza kufika kwi-akhawunti yakho. umhla othile.
Iipredishithi kunye neemplates ngeekholamu ezihlukeneyo zokufaka idiphozi kunye nokuhoxiswa, idiphozithi ziya kwikholam ebhalwe ngokuthi "Imivuzo."
Inyathelo 3: Susa izinto ezivelele . Ezi zihoxiswayo kunye neentlawulo ezingabonakali njengentengiso kwi-akhawunti yakho, kodwa uyazi ukuba baya kutshitshisa i-akhawunti kungekudala. Ngokomzekelo, usenokuba ubhalele isheke kumntu ongakayifaki (uya kubhala irekhodi yalezo zinto kwirejista yakho yokutshekisha ), okanye unokwazi ukuba imali yakho yokuboleka imali iya kutsalwa ngokuzenzekelayo ngexesha elizayo.
Iipredishithi kunye neemplates ngeekholamu ezihlukeneyo zokufaka idipozithi kunye nokuhoxiswa, ukuhoxiswa kunye neentlawulo ziya kwikholam ebizwa ngokuthi "Iingxowa."
Inyathelo 4: Yenza izibalo. Ngoku ulandelayo:
- Ibhalansi echazwe yibhanki yakho
- Ukongeza kwi-akhawunti yakho (Isinyathelo 2)
- Izinto zokukhupha kwiakhawunti yakho (Isinyathelo 3)
Ngoko ke wongeze konke, kwaye uya kufumanisa ukuba uninzi kangakanani imali enokukwazi ukuyisebenzisa kwiakhawunti yakho. Kwakhona, qaphela kwiNyathelo 2: Yongeza kuphela izinto oqinisekileyo ziya kuhlawulwa kwi-akhawunti yakho ngaphambi kokuba uchithe imali.
Inyathelo 5: Ukuqwalasela ukuthengiselana. Khangela yonke into eyenziwa kwisitatimende sakho sasebhanki (okanye kwi-intanethi) kwaye uthelekise nayiphi na iitsheki ezihlawulwe kwirejista yakho. Ukuba awuqinisekanga ukuba yintoni into eyiyo, yifumene ngaphandle - ingaba ngumqondiso wokuba ulwaphulo, iphutha lebhanki, okanye "inkokhelo ebomvu" yemali yobhaliso oye wagunyazisa ngaphambili kodwa kufuneka ukhansele. Kwiimeko ezinqabileyo, kunokuthetha ukuba wenze iphutha kwaye ukhohliwe malunga nento ethile.
Enye indlela elula yokuphonononga ukuthengiselana kukumakisha ukuthengiselana okusemthethweni kwaye uye wawela ngokubhekiselele kwirejista yakho.
- Ukuba ukwenza oku kumaphepha , faka uphawu lokutshekisha malunga nento nganye kwirejista yakho yokutshekisha emva kokuba uyifumane kwisitatimende sakho sasebhanki (kwaye ufake uphawu lokutshekisha ngasemva kwento nganye kwisitatimenti sakho emva kokukufumana kwisheke ).
- Ukuba ukwenza oku ku-intanethi , khankanya ukuthengiselana oye wadibanisa nento efana ne "1." Ngaleyo ndlela unokuluhlela lula iphepha lakho lokusabalalisa ukufumana nayiphi na intsebenzo elahlekileyo iflegi. Ngapha koko, khanyisa iiseli ukwenzela ukuba ufunde ngokubonakalayo kwaye ubone ukuba akukho nto ikhoyo.
Amanqanaba ebhonasi: Ngoku ukuba uhlaziye yonke intsebenziswano, kufuneka ube nako ukukhusela nayiphi na into emangalisayo. Kodwa unokwenza okungakumbi ukwandisa i-akhawunti yakho yasebhanki.
- Hlela izilumkiso ukuze ibhanki yakho ikwazise ngokuzenzekelayo nayiphi na iholide enkulu - okanye ukuba ibhalansi yakho iwela ngaphantsi kwezinga elithile. Uninzi lweebhanki kunye neemanyano zeentengo zemali zingathumela imiyalezo okanye imiyalezo ye-imeyli ngokusekelwe kwimithetho oyichazayo.
- Gcina ibhonasi yemali kwi-akhawunti yakho ukuze ukwazi ukuthatha nayiphi na into emangalisa. Iimali ezingenamsebenzi ezifanelekileyo zingabiza imali engama-$ 35 okanye njalo, kunye nebhanki yakho isenokusetyenziswa kwezi ntlawulo nangona ukhetha ukukhutshwa kwe-overdraft.
- Hlola izikhetho ze-overdraft uze wenze isigqibo sokuba ufuna ukukhuselwa kwe-overdraft kwi-akhawunti yakho. Ukuba uthembele kwi-overdrafts ukuxhasa imali yakho (okanye "ugweme ukuhlazeka"), kukho ingxaki. Kodwa ukuba uyigcina khona apho xa kukho imeko yezoxakeka (kwaye ungalokothi uhlawule iirhafu) kunokuyenza ingqiqo. Ezinye iinketho, njengokutshintshwa kwi-savings okanye i- overdraft yomgca we-kredithi ingaba yindleko ephantsi kune-traditionaldraftft yokukhusela.