IzimaliIzimali zomuntu

Kanjani ukwenza akhawunti ekhaya: izeluleko kongoti

Imiholo zikhokhelwa njalo, kodwa imali elalingazange. Nge lesi sitatimende sivuma abaningi abantu bakithi. Yini inkinga - ezingeni eliphansi pay noma ukungakwazi kahle ukusabalalisa izimali siqu? Sizozama ukuthola indlela yokukwenza akhawunti ekhaya futhi afunde ukulawula izimali umndeni.

Buhle yasendlini ezezimali

Uma uthi nhlá, ukuphathwa ezezimali siqu kungase kubonakale komsebenzi yisicefe futhi isimiso. Ilokhu ukuqoqa wonke namarisidi izindleko - akuvamile yalabo ababelahlekelwe ngangingacabangi ngaye imali yabo. Kodwa eqinisweni, ezezimali - kuyisihluthulelo esizinzileyo nokunethezeka. Ukuqala ukuqopha imali yabo kanye nezindleko, ungakwazi ngokushesha ukuthola impendulo yombuzo othi: "Kusho imali iya kuphi?". A ukusatshalaliswa okunengqondo kwezinsiza kanye ukonga kuyokusiza ugcine up for kokuthenga izinto ezinkulu, futhi uphume ezikweletini. Ikhaya isabelomali - kuba kufinyeleleke wonke ithuluzi ezezimali. Ingakusiza ufunde kwakufanele babekele eceleni imali ukulahla ukuthenga okuvele bazimele ngokwezimali. Kanjani ukwenza akhawunti ikhaya kahle nangendlela efanele?

ezahlukeneyo ezivamile inhlangano ibhajethi umndeni

Okuvame kakhulu kukhona izinhlobo ezintathu ibhajethi umndeni. Lena isabelomali ezivamile, kancane ezivamile noma ehlukile. The version zakudala ye ukusatshalaliswa kwezimali emikhayeni eminingi ezweni lethu - imali umndeni ezivamile. Lolu hlelo luthatha ngokuthi bonke imali igcinwe ngomunye abashadayo, obuye obhekene nokusatshalaliswa yabo kanye nokusetshenziswa kwemali. Ngokuvamile, lapho inhlangano iphatha umfazi imali ibhajethi. Ububi esemqoka yalolu khetho - anda umthwalo wezimali (I-ukwabiwa kwezimali) ka omunye abashadayo. Kulokhu, ingxenye enkulu yenza imisebenzi yasekhaya oba emahlombe lowo elawula imali ageleza. isabelomali Hlukanisa ngokuvamile ekhethwe imibhangqwana esemisha. Kulokhu, ngamunye abashadayo ukuphatha imali yabo siqu, ngaleyo ndlela ukukhulula ingxenye izidingo jikelele. kukho okuhle, kodwa kuphela uma kokubili indoda nomkayo baqashwe futhi abe imali ekahle. Ifomu kakhulu yeningi ibhajethi umndeni: ingxenye ingqikithi. Zimbili izinhlobo kwalo. Esimweni sokuqala, iningi labangane bomshado wathola izimali kwakheka seminikelo waqothula ngokuhambisana nezidingo zomkhaya. Ngesikhathi esifanayo, ngamunye ezezimali okwanele ukuphathwa siqu. Esimeni sesibili, izindleko semakhaya bachitha iminyaka eminingi amaholo abashadayo. Ezizuzwa umbhangqwana kwamathuluzi yesibili (inkokhelo ephansi) kuthiwa imali. Bobabili ongakhetha abasakwazi efanelekayo njengesisekelo ezezimali umsindo. Indlela yokuqhuba izifundo zokubala indaba yokuthi ubani okufanele ukulawula imali ekhaya? Impendulo yalo mbuzo, umbhangqwana ngamunye kumelwe azitholele ngokwakho. Konke isabelomali yasendlini ngenhla neyamukelekayo Unelungelo khona.

amathuluzi ezezimali siqu

Kanjani ukwenza akhawunti ekhaya: encwadini, e uhlelo lwekhompyutha noma smartphone yabo siqu? Konke kuncike yokuphila yakho kanye esikuthandayo. format Classic - Ileja. Lokhu notebook, incwajana noma incwadi esibayeni, ngaphansi lemali zangaphambi alinganisiwe kwezindleko. Ukuba siqedwe ngo Kulokhu, isabelomali esandleni. Uzodinga izibaya (isimo sikuvumela ukuba usebenzise imibala okungenani amabili). Kuyasiza ukugcina ileja yakho ne wokubala for lula nesivinini izibalo. Inketho okunye ezisebenzayo ibhajethi ikhaya kuyobenza babe abalandeli imibhalo electronic. Uhlelo owaziwa-Microsoft Office Excel eziklanyelwe ukusebenza amathebula. Kahle kube lula ngempela, ngisho ongenalwazi computer yomsebenzisi. Indlela yokuqhuba izifundo ezimali ku-Excel, kukhona ezinye umehluko wemisindo nemiqondo yamagama? Cha, njengoba nje kunjalo ngawo encwadini iphepha - udinga kuphela ukuze udale ithebula ezifanele. Namuhla ezezimali yangasese isihloko esishisayo. Uma wayefisa, kulula ukuthola izicelo esikhethekile PC kanye Smartphones kanye namasevisi aku-online eyenzelwe ukugcina ibhajethi yasendlini. Abasebenzisi abaningi babonakala emangalisayo ukhululekile. Ngokuvamile, lezi zinhlelo ngempela esifakwe enhle ngesimo bethenga uhlu, izikhumbuzo, othomathikhi ngenyanga UKUFINGQA ISIQESHANA.

Imithetho eyisisekelo kwesabelomali yasendlini

Yini odinga ukuyazi mayelana ne-accounting for isicelo ngempumelelo izimiso zalo ekuphileni kwansuku zonke? Umthetho wokuqala - njalo. Gcina irekhodi zonke izindleko njalo. Akuwona wonke omunye wethu unethuba ukugcwalisa amatafula zezimali nsuku zonke. Nokho, okungenani kanye ezinsukwini ezingu-2 lokhu kufanele kwenziwe. Uma uqhubeka amarekhodi kancane kaningi, makhulu amathuba okuba ukukhohlwa ingxenye enkulu incidentals. ochwepheshe ukuhlela lwezezimali ukuncoma hhayi miss a imininingwane eyodwa. Ngokuvamile, lezi zindleko "amancane" like yokukhokha izithuthi zomphakathi, ice cream ikhofi endleleni ekhaya yakha ingxenye enkulu ukuthi kusetshenziswe imali.

Kanjani ukuqedela isigaba imali?

Isigaba sokuqala nesibaluleke kakhulu kulesi sabelomali umndeni - kuba imali umndeni. Liqukethe zonke izimali ezitholwe ngamalungu omndeni. It inkokhelo, nezinzuzo zezenhlalo, inzalo ezimalini ezitshalwe. Ungakhohlwa mayelana yesikhathi esisodwa engenayo. Premium izipho zezimali siqu, ukuqopha isinxephezelo njengoba kudingekile. Ngisho noma awuwinanga ilotho noma ngephutha wathola umthethosivivinywa emgwaqeni, qiniseka ukwenza inothi imali oyitholile esigabeni engenayo. It kuvela ukuthi yonke imithombo imali zingahlukaniswa zibe ozinzile futhi okungezona eyinsakavukela. Yiqiniso, e ezezimali kumele ezisuselwa kusigaba sokuqala.

Izinto eziyinhloko kwezindleko

Into ebalulekile kakhulu ukusetshenziswa kwemali - lena izinkokhelo zenyanga. Wonke umuntu azimele okhokhela nyangazonke Umbuso izikweletu, inthanethi kanye wefoni, imfundo. Ngokuvamile kuba nani. Uma senza ikhaya ezimali, zonke izinkokhelo njalo nyangazonke zingafundwa e ikholomu eyodwa. Abantu abaningi yesimanje ukuchitha izimali siqu nemfundo noma ukuzilimaza esinye isenzakalo. Noma cha faka esigabeni inkokhelo yanyanga zonke izindleko zokubhalisa maphakathi ukuqina noma inkambo ulimi? Uma lezi zindleko are hhayi ningi than 3 izikhundla, kunengqondo ukuba ngikulobele zona ngokuhleleka esigabeni esifanayo. Ngenombolo emikhulu kwetinsita tekufundza ikhokhwe kunengqondo nikeza them e ikholomu ehlukile. Ukulandela kubhajethi ebanzi kwesigaba yasendlini - kungcono ukudla. kufanele abe kangakanani wonke amakholomu ethebuleni, indlela yokuqhuba ekhaya accounting kwesokudla? Konke kuncike ezidingweni nemikhuba umndeni. Izinga izinto kakhulu kwezindleko: indlu, izingubo, amakhemikhali yasendlini, nemithi, ukuzijabulisa, ukwenza izinto zokuchitha isizungu, izipho. Uma umndeni enabantwana noma ezifuywayo, ngamunye wabo zingenza ukwaba ingxenye ehlukile kwezindleko. Kanjani izigaba eziningi kufanele kube ibhajethi yakho, uzobona ngokushesha njengoba kuqale isigijimi sakhe. Ungakhohlwa ukwenza ikholomu "Okunye". Kuyoba lula ukuba alobe wonke izindleko ukhohlwe kanye nezindleko ezingeke akhethiwe ngezigaba.

Futhi uma isabelomali imindeni bukhomba?

Enough ukuba alobe for 1-2 izinyanga izindleko, futhi uyokwazi ukuqonda lapho ushiye imali emndenini wakho. Iningi bakithi, ngokungazi ezihlobene kumnotho wasekhaya, ngokuzethemba ingabizwa kuphela isamba izinkokhelo zenyanga. Futhi lokhu idatha ebalulekile ukuhlaziya. Uma yezinkonzo zikamasipala kanye nezinye iminikelo saziso nyangazonke idlule kwesigamu imali umndeni, kuba isikhathi sokucabanga ngomuntu ukuthola itoho noma ushintsho emisebenzini eziyisisekelo. Ezimweni lapho loku kungenteki, kufanele sizame ukukhipha izibonelelo. Ukuze izigaba eziningi abahlomulayo enikeziwe izaphulelo zomphakathi Tinsita nemfundo yezingane. Qiniseka ukuthi behluleka imiphumela isabelomali futhi sihlaziye rationality kokusebenzisa imali. Usuvele uyakwazi indlela yokuqhuba ekhaya ezimali. isofthiwe ye-PC, yakhelwe ukulawula izindleko zomuntu siqu, ungase ucabangele yonke idatha afakwe imodi ezenzakalelayo. Uma ushayela ikhaya isabelomali notebook, uzoba ukusebenzisa wokubala.

Izimiso umnotho okunengqondo

Ekulondolozeni ezimali ikhaya kuzokuvumela uyaqaphela ezihlobene imali. Indlela ukusindisa ngaphandle izinga lokuphila zabekwa umuntu? Omunye izinto ezinkulu kwezindleko - lena ukudla. Londoloza ukudla kungaba ngempela, uma kusengaphambili wake cishe amamenyu kanye yezitolo uhlu. Qhathanisa amanani ezitolo ezahlukene, ukuthenga phezu kwezisekelo wholesale. Akukubi ungagcina ku ukuthengwa izingubo, ngokuvakashela yokuthengisa zonyaka kanye zikhetha izinto kusuka kumaqoqo esidlule. Zama ukulahla ukuthenga ngokuphamazela, siyazama ukuhlela kusengaphambili uhambo ngalunye esitolo.

Kanjani ukwenza akhawunti ekhaya notebook: ukugcwaliswa isampula

Sikunikeza isifanekiso isampula yokuqhuba izifundo zokubala ephepheni. Ungasondela e ileja wakhe efana etafuleni noma kancane ukuyiguqula. Ngokusho kodokotela abathile, kungcono kakhulu ukubuyeka engcona ukuba uhlele izihloko esinqunyiwe ngesimo amakholomu mpo izindleko bese ugcwalisa kubo njengoba kwemali. Lona ngowodwa nje kokukhethwa kukho, indlela yokuqhuba ekhaya ezimali encwadini. Isibonelo esinikezwe kuyi ekuqaleni kwalesi sigaba, kangcono womkhaya osemncane noma ezezimali ngabanye. Uma isabelomali iwukuba abangane bomshado abanesimo okungenani unengane eyodwa, ilungiselelo mpo amakholomu iyona ebaluleke kakhulu.

isiphetho

Siye sazama ngangokunokwenzeka ukutshela ngokuningiliziwe kuyini nokuthi ukugcinwa ekhaya. Kanjani ukuhola okuyisibonelo ithebula isampula okuhlukile inhlangano ibhajethi umndeni - konke okwethulwa ukubuyekeza kwethu. Mhlawumbe sekuyisikhathi ukuqala ukurekhoda yonke engenayo kanye nezindleko okwamanje?

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