Iimvulophu ukuhlawula ngeCash
Nantsi indlela esebenza ngayo.
Yakha ibhajethi yakho yephepha , ucwangcise inani lemali oya kuyichitha kwiqela ngalinye kwithuba elithile nokuba ingaba yinyanga okanye ngeveki nganye. Ukuhlawula iindleko zakho eziqhelekileyo rhoqo ngenyanga, ngokubhala isheke okanye ukuhlawula i-intanethi. Iindleko eziguquguqukayo - ukutya, igesi, ukuzizonwabisa, njl. - uya kusebenzisa ibhajethi yakho. Uya kufuna enye imvulophu kwinqanaba lebhajethi nganye. Bhala igama loluhlu phambi kwimvulophu kwaye ubeke inani lexabiso lemali kwi-imvulophu. Ngokomzekelo, unokufumana i-$ 200 kwimvulophu ebeka ukutya. Xa uthengwa, sebenzisa imali kwimvulophu yaloo candelo. Xa imvulophu ingenanto, awukwazi ukuthenga enye into kuloo ndawo ngaphandle kokuba "uboleka" imali kwenye inqanaba.
Iimvulophu Ukuhlawula nge-Debit Card
Enye yeengxaki zokuhlawula ibhajethi kukuba ifuna imali. Ukuba ufumana umvuzo wakho ngekhompyutha, oku kungathi uhambo oluya kwibhankini ukurhoxisa imali kwiimvulophu zakho.
Unokufaka inkohlakalo kwinkqubo yokuhlawula ibhajethi nokuba ukhetha ukusebenzisa ikhadi lakho lokubambisa, kodwa kufuna okungaphantsi (okulula) izibalo kunye nokugcinwa kwengxelo.
Kwimvulophu nganye, bhala udidi kunye nenani lemali oyivumelekile kulolu hlobo. Yithi, i-$ 200 efanayo yokutya. Emva koko, naliphi na xa uthengwa, susa inani lokuthenga kwisamba esihlahlo-mali.
Ukuba uthenge i-$ 45 kwizidlo ungabhala i-$ 200- $ 45 = $ 155. Yenza njalo ngeli xesha uthenga ukuthenga kwinqanaba uze ufike kwi $ 0. Unako "ukuboleka" kwezinye iindidi, kwakhona. Yenza nje ukukhupha kwisigaba oboleka kuyo, umz. Ukuzonwabisa $ 100- $ 25 = $ 75 kunye nokongeza kwinqanaba eliboleka imali, umz. Ukutya = $ 0 + $ 25 = $ 25.
Sisebenzisa igama elithi "ukuboleka" ngokungaqhelekanga kuba akudingeki ukuba uhlawule imali kwenye inqanaba. Kuthetha nje ukuba unemali encinane yokuchitha kwisigaba esinike imali.
Izixhobo ze-Smartphone ze-Envelope Budgeting
Ukuba usebenzisa iiphephelo zibonakala zidala okanye zifana nomsebenzi omningi, unokukhuphela iprogram efana neGoodBudget okanye i-Movelopes, zombini ezikhoyo kwiiOS kunye ne-Android. Inzuzo yeso sicelo kukuba unokuzijonga izikali zakho naphi na ekuhambeni ngaphandle kokuba uzifake kwiimvulophu zomzimba.
I-GoodBudget ayiyivumelanisi kwi-akhawunti yakho yasebhanki, oko kuthetha ukuba kufuneka ufake ngesandla ukuthengiselana kwakho. Oku kunenzuzo kuyo nawuphi na umntu ovumelekileyo ukuvumela ii-apps ukuba zidibanise kwiakhawunti zabo zebhanki. Iimvulophu zinikela ngakumbi ukusebenza kwaye zivumelanisa ne-akhawunti yebhanki (kuxhomekeke kwinqanaba).
Bobabini baneenguqulelo zamahhala ezinikezela inani elincinci leemvulophu kunye neenguqulelo zokubhalisa ezandisa inani labavulophu kunye nezinye iimpawu ongafikelela kuzo. Ngokomzekelo, iiphuphuphu zinika isicwangciso sokuphelisa amatyala kunye ne-akhawunti yabo yeNkulumbuso yeNkulumbuso ye-10 / ngenyanga.
I-envelope uhlahlo lwabiwo-mali lunceda njani ngamatyala
Ngoko uhlahlo lwabiwo-mali lukunceda njani ukuhlawula amatyala? Ingcamango yonke yebhalophu, okanye uhlahlo lwabiwo-mali ngokubanzi, kukusebenzisa imali yakho ngendlela, ukunciphisa iindleko zakho, kwaye ufumane imali eseleyo ekupheleni kwenyanga nganye ukubeka ityala lakho (okanye ezinye iinjongo zemali xa uhlawule ityala lakho). Ukuba awukulandelelisi ngokukhawuleza imali yakho , unokukwazi ukuchitha imali ngokulula, ngokukodwa ngekhadi lakho lokukhangela ngenxa yokuba unayo ingcamango yempembelelo yakho.
Uhlahlo lwabiwo-mali lugcina yonke into ehlukeneyo kwaye ikunika umboniso obonakalayo ngokuma kwakho kwemali. Unokukwazi ukuxelela lula xa ufuna ukuphelisa imali yakho ukuze uhlale kwindlela kunye nebhajethi yakho.
Ekupheleni kwenyanga, hlabanisa yonke imali eshiywe kwiimvulophu kwaye uyibeke kwibhanti - ityala lakho elincinci, ityala lexabiso eliphezulu, okanye elinye ityala olikhethile ukuhlawula . Ukuba usebenzisa uhlahlo lwabiwo-mali olusekelwe kwikhompyutheni, kufuneka ufune ukuyifaka kwi-akhawunti yakho kwaye ubhale isheke okanye uthenge umyalelo weemali kuba awukwazi ukuhlawula iibhidi zekhadi zekhredithi ngemali. Ukuba usebenzise ikhadi lakho lokubambisa esikhundleni senkqubo yemali, yongeza i-balance balance on each envelope, qinisekisa le mali kwi-akhawunti yakho yokujonga, kwaye ubhale isheke somlinganiselo kumntu obolekisiweyo.