EveryDollar: Budget Management

I-EveryDollar uhlelo lokusebenza lwesabelomali somuntu siqu lwanoma yimuphi umgomo wemali: ukonga imali, ukukhokha izikweletu nokuningi. Dala isabelomali esisheshayo kalula ngomhleli wakho wesabelomali somuntu siqu. Ukulandelela izindleko kanye nokuthengiselana kulula: hlela ukuphathwa kwesabelomali futhi ubone ukuthi intuthuko yakho ithinta kanjani ezezimali zakho. Akugcini lapho: hlela ukusetshenziswa kwemali kanye nokonga, izindleko ezizayo, setha imigomo yokonga kanye nokuphatha ezezimali zomuntu siqu.

Isabelomali esilula sikunikeza imvume yokusebenzisa imali uma unikeza wonke amadola umsebenzi. Thola ukuthula kwezezimali, lawula ezezimali zakho futhi uhlale ugxile kuzo zonke izinhloso zakho zemali nge-EveryDollar. Yonga imali bese uyitshela ukuthi iye kuphi esikhundleni sokuzibuza ukuthi iye kuphi.

UMPHATHI WEZIMALI ZOMNTU NESILANDELI SESABELO SEZIMALI ESILULA
• Landelela imali futhi udale izabelomali ezisheshayo kalula
• Shintsha ijenali yakho yemali, amaspredishithi, isabelomali semvilophu, ukugcwaliswa kwemali kanye nezinye izilandeli zezimali ngokuphathwa kwesabelomali sedijithali
• Vumela i-EveryDollar ibe ngumqaphi wakho wemali ngokulandelela imali kanye nokuhlela isabelomali okulula kusuka noma kuphi
• Landelela ukusetshenziswa kwemali kanye nokonga imali ngokunembile
• Isabelomali somuntu siqu, isabelomali sasekhaya, isabelomali somndeni, isabelomali semibhangqwana, ukuhlela isabelomali sabafundi

I-AKHAWUNTI NOMPHATHI WEZIMALI WANSUKU ZONKE
• Umqaphi wesabelomali somuntu siqu, uhlelo lokusebenza lokubala imali nokuningi: uhlelo lwakho lokusebenza lokuphatha izimali zomuntu siqu ukuphatha ukusetshenziswa kwemali ukuze wonge imali, ukhokhe izikweletu futhi ube uchwepheshe wokukhokha izikweletu
• Phatha imali usebenzisa i-akhawunti yakho yokuhlola kanye ne-akhawunti yokonga
• Landelela izindleko, ukunciphisa izikweletu kanye nokonga imali yomhlalaphansi nge-tracker yokusebenzisa imali
• Izabelomali ezilula kokubili kumphathi wezezimali womuntu siqu oqalayo nonekhono noma umhleli wezezimali

UMELEKI WEZEZIMALI NESILANDELI SEZIMALI
• Funda amathiphu emali kanye nendlela yokonga imali
• Ukuphathwa kwezezimali ngeseluleko sochwepheshe
• Umqaphi wemali kanye namathiphu okonga, indlela yokwakha isabelomali nokuningi!

ISILANDELI SOKONGA IMALI NOKUSEBENZISA IMALI
• Ukuphatha ukulandelela imali ngohlelo lwethu lokusebenza lokulandelela imali yomuntu siqu kanye nokuphathwa kwemali kulula
• Qonda ukonga kwakho imali kanye nokusebenzisa imali
• Ukonga imali kanye nokuhlela isabelomali kukusiza ukuthi wonge imali futhi usebenzise imali
• Landelela ukusetshenziswa kwemali ukuze ugweme ukweqa isabelomali ngokuxhumana kwebhange okuzenzakalelayo

ISILANDELI SOKUBHILA, INCEMBI NEZINDLEKO
• Umenzi wesabelomali wakho olula, uhlelo lokusebenza lokulandelela izikweletu kanye nemali engenayo
• Umhleli wezikweletu usiza ukuphatha izikweletu kanye nezindleko ezizayo kalula
• Qhathanisa imali engenayo kanye nezikweletu ukuze ulungise imigomo yokusebenzisa kanye nokonga
• Landelela izimo zomphathi wezikweletu kanye nezindleko
• Isilandeli semali, isilandeli sezindleko zokuhamba, isilandeli sesabelomali seholide nokuningi

ISILANDELI SEMIGOMO YEMALI
Ithuluzi elilula lesabelomali sayo yonke imigomo yokonga: dala izabelomali zanoma yimuphi umgomo wokwenza isabelomali noma wokonga imali:
• Isabelomali somuntu siqu
• Isabelomali sasekhaya
• Isabelomali somndeni
• Isabelomali semibhangqwana
• Isabelomali samaholide
• Isabelomali somshado
• Isabelomali sokuhamba

Izici zohlelo lokusebenza lwesabelomali samahhala:
• Dala isabelomali sanyanga zonke
• Buka uhlelo lwakho lokusebenza lomhleli wesabelomali samahhala kunoma iyiphi idivayisi
• Yenza ngokwezifiso isilandeli sesabelomali samahhala sezindleko zanyanga zonke
• Kulula okungenamkhawulo izigaba zesabelomali nezinto zomugqa
• Londoloza imali yokuthenga okukhulu kanye nemigomo yemali
• Yabelana ngesabelomali sakho somndeni kanye nokulandelela izindleko
• Hlukanisa ukuthengiselana bese uhlela izinto zomugqa wesabelomali
• Setha izinsuku zokugcina ukuze uphathe amabhili kanye nokulandelela isabelomali

Izici zesabelomali zedijithali ezithuthukisiwe:
• Sakaza ngokuzenzakalelayo ukuthengiselana kwisabelomali esisheshayo
• Xhuma kuma-akhawunti ezezimali
• Thola umbiko wezindleko ezenziwe ngokwezifiso zokusebenzisa kanye nemali engenayo
• Thumela idatha yokuthengiselana ku-Excel bese udala umbiko wakho wezindleko
• Thola izincomo ezenziwe ngezifiso zokulandelela izindleko
• Setha isikhumbuzi sebhili sanyanga zonke sokuphatha amabhili
• Buka inani lakho lamanje/elibikezelwe
• Landelela ukusetshenziswa kwemali, ukuthi ukhokhelwa nini kanye nezinsuku zokugcina ngokuhlela umholo
• Hlangana nezikhathi zemigomo yokunciphisa isikweletu nokonga ngemephu yendlela yokulandelela ezezimali
• Yiba ngaphandle kwesikweletu ngokushesha ngokulandelela izindleko okulula
• Joyina izikhathi ze-Q&A ezibukhoma nabaqeqeshi bezezimali abangochwepheshe

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