Uyicwangcisa njani ibhajethi yakho?

Nokuba ujonge ukwenza i-spreadsheet yohlahlo lwabiwo-mali okanye ufuna nje ukuqonda ngcono ulawulo lwemali, qala ngamanyathelo endihamba ngawo kweli nqaku. Nokuba awusebenzisi iphepha le ukubalwa kohlahlo lwabiwo-mali, mhlawumbi ufuna indlela yokulandelela apho imali yakho iya khona nyanga nganye. Ukwenza uhlahlo lwabiwo-mali ngetemplate kunokukunceda uzive ulawula ngakumbi imali yakho kwaye ugcine imali kwiinjongo zakho.

Enyanisweni, nasiphi na isicwangciso esihle sezemali siqala ngohlahlo lwabiwo-mali oluluqilima. Nokuba uzama ukuhlawula amatyala akho okanye ulondoloze iholide yephupha, uhlahlo lwabiwo-mali linyathelo lakho lokuqala ekufezekiseni iinjongo zakho zemali.

Ukubeka nje, iqhinga kukufumana indlela yokulandelela imali yakho ekusebenzelayo. Kweli nqaku, ndityhila zonke izicwangciso zam zokuphumelela ukukunceda ukuba uphumelele ekucwangciseni imali yakho.

🥀  Iimfihlo zocwangciso oluyimpumelelo lohlahlo lwabiwo-mali

Kukho isakhono sobomi esinye ekusenokwenzeka ukuba awusifundanga esikolweni: ukwenza uqingqo-mali. Ngaphandle kohlahlo lwabiwo-mali lwentsapho, uchitha nje ngobumfama, ungazi ukuba imali yakho iya phi kanye.

Isenokukusebenzela ixeshana, kodwa ukuba ubetha umqobo wemali okanye ufuna ukufumana imali yokuya phambili, ukucwangcisa uhlahlo lwabiwo-mali kuyimfuneko.

Ukuba unenjongo yemali - njengokuphuma ematyaleni, ukongela a idiphozithi yokubambisa okanye ukubeka imali ecaleni kumhlalaphantsi wakho-oku kuya kukunceda ukuba ufezekise oku. Nasi isicwangciso sam esinamanyathelo asixhenxe onokuthi usilandele ukwenza uhlahlo lwabiwo-mali olubanzi.

📍 Zilungiselele kwaye uthathe ixesha lakho

Vumela ubuncinane iyure ukwenza ibhajethi yakho. Ukuyingxamela kunokukhokelela kwiimpazamo. Kungumbono olungileyo ukuqokelela zonke izinto oza kuzifuna ngaphambi kokuba uqale, ke fumana:

• Iinyanga ezimbalwa zeengxelo zebhanki;
• Ii-invoyisi zakho zakutsha nje ikhadi letyala ;
• Iikopi zamatyala akho okucoca;
• Iinkcukacha zogcino lwakho kunye neminikelo yomhlalaphantsi;
• Naluphi na olunye ulwazi malunga nawo nawuphi na omnye umvuzo onokuba nawo.

Ukuba umvuzo wakho ongundoqo ungena rhoqo (iveki nganye), unokukhetha ukwenza uhlahlo lwabiwo-mali ngeveki okanye ezimbini.

📍 Bala Iindleko zakho

Masicalule iindleko zakho zenyanga zibe ziibhakethi ezithile. Kubantu abaninzi, oku kuya kudityaniswa ngokwezindlu, ezothutho, izinto eziluncedo kunye nesondlo. Emva koku, unokufaka izinto ezongezelelweyo ezinje nge "Isidlo sangokuhlwa kwindawo yokutyela", "iholide","impahla", njl.

Khumbula ukuba ezinye iindleko zisenokungahlawuliswa ngenyanga, ngoko ke jonga iinyanga ezidlulileyo ukuze ufumane umfanekiso opheleleyo weendleko zakho zenyanga.

📍 Yongeza umvuzo wakho

Dwelisa yonke ingeniso yakho yesiqhelo. Le ngeniso kufuneka ibe yintsalela yeerhafu, iintlawulo zemali-mboleko, iminikelo yomhlalaphantsi, njl. Yongeza eminye imithombo yengeniso kamva, ukusuka kulondolozo, utyalo-mali, ukuzisebenzela, iintlawulo zerenti, njl.

Bala ukuba uzuze malini kwezi nyanga zintathu zidlulileyo kwaye ubhale phantsi umndilili, ukuze ube nombono ongalunganga wento onokuthi ulindele ukuyifumana kwiinyanga ezizayo. Ngoku ikwalixesha elilungileyo lokuqinisekisa ukuba uhlawula isixa esifanelekileyo serhafu.

📍 Bala iindleko zakho ezibalulekileyo

Emva kokongeza umvuzo wakho, yongeza iindleko zakho ngokunjalo. Qaphela ukuthambekela komvuzo wakho wenyanga ochithwa kwiindleko ezibalulekileyo. Hlela ezi ntlawulo ukuze ube nombono olungileyo wokuba imali yakho iya phi.

Iindidi zakho zinokubandakanya iintlawulo zokubambisa, amatyala asetyenziswayo, igrosari, ukhathalelo lwabantwana, uhambo, njl. Qokelela iziteyitimenti zakho zebhanki, amatyala asekhaya, kunye namatyala ekhadi letyala kulo msebenzi.

Okukhona echaneka ngakumbi amanani akho, kokukhona uhlahlo lwabiwo-mali luya kuba luncedo ngakumbi. Bala iindleko zakho zizonke kwinyanga nganye kwezi zintathu zokugqibela uze uzithabathe kumvuzo wakho wenyanga. Oku kuya kukubonisa ukuba yimalini eshiyeka kwinyanga nganye kwiindleko “ezingabalulekanga” eziya kwenza umvuzo wakho olahlwayo.

 📍 Bala umahluko phakathi komvuzo wakho kunye neendleko zakho

Ukuba iindleko zakho sele zikhulu kunogcino lwakho, unokhetho olu-2. Yenza imali eninzi okanye uchithe kancinci. Ngokubanzi, kulula ukunciphisa iindleko kunokufumana imali eninzi. Jonga uqingqo-mali lwakho uze ubone oko kunokuncitshiswa.

• Yitya kancinci kwiindawo zokutyela?
• Iimpahla ezintsha ezimbalwa?

Ukuba wonga ngaphezu kokuba uchitha, kuhle.

• Ngaba wanelisekile sisixa osigcinileyo?
• Ukuba akunjalo, yintoni enye enokupheliswa?

 📍 Khangela into omawuyenze ngogcino lwakho

Unogcino! Sivuyisana nawe. Ngoku, yintoni eyona nto ingcono ukuyenza ngayo? Ukuba unetyala elinenzala ephezulu, kusenokuba kuhle ukuba ulihlawule. Unokude ulidibanise nelo tyala ngenzala ephantsi ukuze wonge kakhulu kwaye ulihlawule ngokukhawuleza.

Inqaku eliza kufundwa: Indlela yokuba nenkululeko yezemali?

Injongo elungileyo kukuseka injongo yokonga yokuqokelela i-1 yeedola kwi-akhawunti yakho yokonga kwaye emva koko uyibeke kwingxowa-mali yongxamiseko yeenyanga ezi-000. Ukuba ukhetha ukujolisa kwipesenti yomvuzo wakho, zama ukuqala kwi-3% okanye i-5% kwaye unyuse izinga lokonga kwakho ekuhambeni kwexesha.

 📍 Yenza umkhwa

Zama ukunamathela kuhlahlo lwabiwo-mali lwakho ngokuluphonononga rhoqo ngeveki okanye ezimbini. Oku kuya kukunceda uqonde ngokukhawuleza ukuba inkcitho yakho ilandelelwa njani, yintoni ekufuneka itshintshile, kwaye uyahlangabezana neenjongo zakho zemali.

Ithamsanqa kwaye ukhumbule ukuba zininzi izixhobo ze-intanethi ezifana noXolo ngeMali eyonwabileyo ezinokukunceda kuhambo lwakho lwezemali. Qala namhlanje!

Ndishiye zonke iinkxalabo zakho kwizimvo