Imivuzo ehlawulwa rhoqo, kodwa imali na. Nale ngxelo siyavumelana abaninzi babantu bakuthi. Yintoni ingxaki - kwinqanaba elisezantsi ukunyuswa komvuzo okanye bokungakwazi babele kakuhle imali yakho? Siza kuzama ukufumana phandle ukuba ukwenza njani akhawunti ekhaya ufunde ukulawula iimali intsapho.
Nobubi indlu ucwangciso mali
Xa uqala kuqala, ulawulo lwezimali yobuqu ibonakale umsebenzi ekruqulayo kwaye ngokomgaqo. Rhoqo kuqokelela zonke iirisithi kunye neendleko irekhodi - yinto eqhelekileyo ukuba abo zange ndicinge ngayo imali yabo. Kodwa enyanisweni, ucwangciso lwemali - ngundoqo kuzinzo nasempumelelweni. Ukuqalisa ukurekhoda ingeniso yabo kunye neendleko, ungenza ngokukhawuleza ukufumana impendulo yalo mbuzo: "Yeyantoni le mali ukuya phi?". A usasazo eyiyo kwezibonelelo kunye imali ziya kukunceda ugcine up ukuthenga ezinkulu, uze uphume ematyaleni. mali ekhaya - ifikeleleka sixhobo zonke izicwangciso zemali. Inokukunceda ufunde ukubekela bucala imali ukuba bashiye ukuthenga ezizenzekelayo bazimele zemali. Indlela ukwenza akhawunti ekhaya ngokuchanekileyo nangokufanelekileyo?
ezahlukeneyo Common lombutho ngayo imali yentsapho
Avamise kakhulu iintlobo ezintathu imali yentsapho. Le mali eqhelekileyo, ngokomkhethe eqhelekileyo okanye eyahlukileyo. Inguqulelo ezaziwa ukwabiwa kwemali kwiintsapho ezininzi kwilizwe lethu - imali usapho eqhelekileyo. Le nkqubo uveza ukuba yonke imali egcinwe yi omnye wabalingane, ngubani na likwanoxanduva usasazo kunye nenkcitho. Amaninzi, xa umbutho ilawula umfazi imali mali. Luncedo xa olu khetho - landa uxanduva zemali (ulwabiwo-mali) ka omnye wabalingane. Kulo mzekelo, uninzi inxalenye enkulu imisebenzi yasekhaya isekelwe phezu emagxeni lowo ulawula imali efamini yam. mali eyahlukileyo kudla ezikhethwe izibini abatsha. Kulo mzekelo, ngamnye amaqabane ukulawula ingeniso yabo, ngaloo ndlela ukhupha yinxalenye yeemfuno jikelele. indlela elungileyo, kodwa kuphela ukuba bobabini indoda kunye nomfazi abaqeshiweyo kwaye abe nengeniso ngokuthe ngcembe. Kakhulu wedemokrasi imali yentsapho: yinxalenye lilonke. Kukho iintlobo ezimbini kuso. Kwimeko yokuqala, inkoliso amaqabane efunyenweyo mali yaqalwa ngo-mali eqhelekileyo walidla ngokuhambelana neemfuno nosapho. Kwangaxeshanye, ngasinye ezemali ngokwaneleyo kulawulo lobuqu. Kwimeko yesibini, iindleko lokwakhiwo kwezindlu wachitha kwemivuzo wabalingane. Ezuzwe yi kwisibini yesibini izixhobo (imivuzo ephantsi) ezifakwe. Zombini iinketho kakhulu ezifanelekileyo njengesiseko ucwangciso olululo lwemali. Indlela yokuqhuba ekhaya accounting ngubani ekufuneka ukulawula imali entsatsheni? Impendulo yalo mbuzo, isibini ngasinye kufuneka kufumana ngokwakho. Zonke ezi mali yekhaya ngasentla eyamkelekileyo kwaye banelungelo lokuba khona.
izixhobo Personal Finance
Indlela ukwenza akhawunti ekhaya: encwadini, kwinkqubo yekhompyutha okanye smartphone yabo? konke kuxhomekeke kwi indlela yakho esizithandayo. format Classic - Ledger. Le nencwadi, yokubhala okanye incwadi barn, phantsi isixa pre-enemitha zenkcitho. Ukuze kugqitywa kulo mzekelo, uhlahlo lwabiwo-mali esandleni. Kuya kufuneka iintlanti (iluncedo kakhulu ukuba ukusebenzisa imibala ubuncinane ezimbini). Kuluncedo ukuba ugcine ileja yakho wokubala for lula nesantya izibalo. Njengenye enokukhethwa zokusebenza mali ekhaya iya isibheno abalandeli amaxwebhu ngekhompyutha. Inkqubo Microsoft Office Excel ezaziwayo-kakuhle ilungiselelwe ngokukodwa ukuba asebenze ezitafileni. Kakuhle kulula kakhulu, nokuba akanamava umsebenzisi computer. Indlela yokuqhuba accounting ekhaya Excel, kukho ezinye bokuqonda? Hayi, yinto kangangoko kanye njengokuba yokubhala ephepheni - udinga nje ukudala itafile ubukhulu efanelekileyo. Namhlanje isicwangciso yabucala eyimali isihloko kushushu. Ukuba oyifunayo, kulula ukufumana izicelo ezizodwa for PC kanye Smartphones, kwakunye neenkonzo online ziyilelwe ukugcina-mali yekhaya. Abasebenzisi abaninzi kubonakale kakhulu bekhululekile. Amaxesha amaninzi, ezi nkqubo ngokwenene ukongezwa ezintle ngohlobo uluhlu lokuthenga, izikhumbuzo, ngenyanga eshwankathela oluzenzekelayo.
imithetho esisiseko-mali yekhaya
Into ekufuneka uyazi wezimali isicelo ngempumelelo imigaqo yayo kubomi bemihla ngemihla? Elinomthetho wokuqala - njalo. Gcina irekhodi yazo zonke iindleko rhoqo. Asingabo bonke kuthi unethuba ukugcwalisa kwiitheyibhile zemali yonke imihla. Nakuba kunjalo, ubuncinane kanye ngeentsuku 2 oku kufuneka kwenziwe. Ukuba ukugcina iirekhodi ngaphantsi rhoqo, ukuba kunokwenzeka ngakumbi ukuba ukulibala inxalenye ebalulekileyo okubalulekile. Iingcaphephe zocwangciso Financial bacebisa ukuba awuphoswa iinkcukacha enye. Amaxesha amaninzi, ezi ndleko "ezincinane" ezifana intlawulo yezithuthi zikawonkewonke, ice cream nekofu endleleni egodukayo yinxalenye ebalulekileyo ye nayiphi na inkcitho.
Indlela agcwalise icandelo yengeniso?
Icandelo lokuqala yaye ezibalulekileyo imali yentsapho - ukuba ingeniso yosapho. It ubhala zonke iimali ezifunyenwe yi amalungu entsapho. umvuzo It, iinzuzo zentlalo, inzala kutyalo mali. Musa ukulibala ngexesha elinye-mali. izipho-mali zobuqu Premium, ukurekhoda imbuyekezo njengoko kuyimfuneko. Nokuba uphumelele ilotto okanye ngempazamo wayifumana oyilwayo esitratweni, qiniseka ukuba wenze inqaku le mali efunyenwe kwicandelo yengeniso. Kubonakala ukuba yonke imithombo yengeniso lungohlulwa lube oluzinzileyo non-njalo. Kakade ke, kucwangciso-mali kufuneka zisekelwe kudidi lokuqala.
Eyona engundoqo izinto kwenkcitho
Eyona nto ibaluleke kakhulu yenkcitho - oku iintlawulo zenyanga. Wonke umntu ozimeleyo uhlawula imali yezinkonzo zenyanga,-intanethi kunye zeefoni, imfundo. Ngokuqhelekileyo le mali esisigxina. Ukuba senjenjalo accounting ekhaya, zonke iintlawulo rhoqo ngenyanga singathathwa kwi njengomhalthi owodwa. Abantu abaninzi namhlanje bachitha imali zobuqu kunye nemfundo okanye self phambili uphuhliso. Nokuba ngaba ukuba bangene kwicandelo intlawulo yenyanga yokubhalisa kwi iziko qethe okanye izifundo ulwimi? Ukuba ezi neendleko nezikhundla ngaphezulu kwe-3, kusengqiqweni ukuba azibhale kwicandelo elifanayo. Njengoko inani elikhulu kwiinkonzo zemfundo ihlawulwe iyavakala ukwenza kubo bomhlathi eyahlukileyo. Emva mali olunzulu icandelo nendlu - ke kukutya. Kangakanani bonke kufuneka iikholam kwitheyibhile, indlela yokuqhuba ekhaya accounting sokunene? konke kuxhomekeke kwiimfuno kunye nemikhwa entsapho. Umgangatho izinto ezininzi yenkcitho: indlu, impahla yokunxiba, iikhemikhali nendlu, amayeza, ukuzonwabisa, ukuzonwabisa, izipho. Ukuba intsapho unabantwana okanye izilwanyana zasekhaya, ngamnye kubo nako ukwabela icandelo elahlukileyo nenkcitho. Indlela amacandelo amaninzi kufuneka ibhajethi yakho, uya kubona ngokukhawuleza ekuqaleni isigidimi sakhe. Musa ukulibala ukwenza kwikholam "Okunye". Kuya kuba lula ukurekhoda zonke iindleko ilityalwe kwakunye neendleko abangakwaziyo olukhethiweyo yokuhlela.
Ukuba le mali indlu iya idibane?
Yanele ukuba babhale phantsi iinyanga 1-2 iindleko, yaye uya kukwazi ukuqonda apho ukushiya imali kusapho lwakho. Ubuninzi babantu bakuthi, engaqondanga enxulumene kuqoqosho lwasekhaya, ngokuzithemba ekunokuthiwa kuphela isixa iintlawulo zenyanga. Kwaye oku iinkcukacha ezibalulekileyo ukwenzela uhlalutyo. Ukuba iindleko eluncedo kunye neminye iminikelo mandatory ngenyanga ngaphezulu kwesiqingatha sengeniso usapho, eli ithuba ukucinga ingokufumana part-time umsebenzi okanye kutshintshwe emsebenzini esisiseko. Kwiimeko apho oku akwenzeki, kufuneka uzame ukukhupha izibonelelo. Kuba iindidi ezininzi kubaxhamli enikiweyo ngezaphulelo yoluntu eziluncedo kunye nemfundo yabantwana. Qinisekisa ukuba aphumelele iziphumo mali ucazulule nengqiqo imali. Sele akakwazi ukuyongamela accounting ekhaya. software PC, eyenzelwe ukulawula iindleko zakho, bagqale ngentliziyo yonke idatha wangena ikwimo ezenzekelayo. Ukuba uqhuba mali ekhaya yokubhala, kuza kufuneka ukuba ukusebenzisa isixhobo sokubala.
Principles of kuqoqosho nenengqiqo
Ukugcina ingxelo ekhaya iya kukuvumela ukuba ngabom zinxulumene imali. Indlela yokonga ngaphandle kokunikezela umgangatho wobomi? Enye enkulu imiba yenkcitho - oku kukutya. Gcina kwi ukutya ngokwenene kuba, ukuba kwangaphambili wabaQokeleli malunga kwiimenyu kwaye uluhlu lokuthenga. Thelekisa amaxabiso kwiivenkile ezahlukileyo, ukuthenga kwi iziseko lehoseyile. Akukho ezimbi ngoku ungagcina phezu ekuthengeni iimpahla, ukutyelela intengiso ngamaxesha athile kwaye bakhetha izinto ingqokelela yezinto ezidlulileyo. Zama ukuba bashiye ukuthenga ukungxama, zama ukucwangcisa kwangaphambili ukuba uhambo ngalunye ukuya evenkileni.
Indlela ukwenza akhawunti ekhaya yokubhala: ukugcwaliswa isampula
Sinikezela nawe template isampuli ukuqhuba accounting ekhaya ephepheni. Uyakwazi bazobe encwadini yakhe ezifana itafile okanye kancinci ukuyitshintsha. Ngokutsho kwezinye iingcali, kuya kuba kakhulu lula kakhulu ukuba amalungiselelo amanqaku fixed ngohlobo lwemihlathi nkqo iindleko kwaye bazizalisa nje imicimbi yemali. Oku nje njengenye yeenketho, ukuba yokuqhuba accounting ekhaya yokubhala. Umzekelo ekuqaleni kwalo mhlathi, na izityalo ukuba usapho oselula okanye yocwangciso-mali ngamnye. Ukuba ayikabikho ibhajethi ukuba amaqabane kunye nomntwana ubuncinane omnye, ilungiselelo nkqo kwiikholam yeyona ibalulekileyo.
isiphelo
Siye bazama kangangoko kunokwenzeka ukuxelela ngokweenkcukacha yintoni eyenza ukugcinwa ekhaya. Indlela ukukhokela i yokwahluka itheyibhile isampulu engumzekelo lombutho-mali entsapho - bonke thaca ncomo yethu. Mhlawumbi lifikile ixesha lokuba uqale ukurekhoda yonke ingeniso nenkcitho kanye ngoku?