Controle de Gastos

Francisco Iago Lira Passos

Mayelana nalolu hlelo lokusebenza

Ukulawula Izindleko kuwuhlelo lokusebenza oluphelele kuwe ofuna ukuphatha izimali zakho ngendlela elula nephumelelayo. Ngayo, ungakwazi ukulandelela iholo lakho, usethe imikhawulo yokusebenzisa imali nyanga zonke, wengeze izindleko futhi ubuke izimali zakho ngamagrafu acacile futhi anembile.

Izici Eziyinhloko:
1. Ukuphathwa Kwemali Engenayo Nezindleko:
Faka imali engenayo yanyanga zonke nezindleko zansuku zonke kalula. Bona kahle ukuthi imali yakho isetshenziswa kuphi nokuthi ungonga kanjani ngaphezulu.

2. Incazelo Yomkhawulo Wanyanga Zonke:
Setha umkhawulo wokusebenzisa imali wanyanga zonke ngokusekelwe emalini yakho engenayo yanyanga zonke. Uhlelo lwethu lokusebenza lubala ngokuzenzakalelayo ingxenye yesithathu yomholo wakho njengomkhawulo ophakanyisiwe, okusiza ukuthi ugcine izimali zakho zilawulwa.

3. Imifanekiso enembile:
Zibone ngeso lengqondo izindleko zakho ngamagrafu amabha avundlile abonisa izindleko zakho zenyanga ngendlela ecacile neqondakala kalula. Futhi bheka umugqa womkhawulo wanyanga zonke ukuze uqiniseke ukuthi aweqi imali oyihlelile.

4. Uhlu Lwezindleko:
Gcina irekhodi elinemininingwane yazo zonke izindleko zakho ohlwini oluhlelwa ngenyanga. Susa kalula noma yiziphi izindleko ezingafuneki ngokuqondile ohlwini.

5. Isimo Sokuchitha Inyanga:
Landela ngomkhondo isimo sokusetshenziswa kwemali kwakho kwanyanga zonke ngolwazi olunemininingwane, okuhlanganisa:

Ukusetshenziswa kwamanje
Ukonga okuphakanyisiwe (20% wemali engenayo yanyanga zonke)
Inani leminye imisebenzi (10% yemali engenayo yanyanga zonke)
Umehluko Phakathi Kwemali Engenayo Nezindleko
Iphesenti lesabelomali esisetshenzisiwe
Imali emaphakathi yansuku zonke
Ukuqagela ukusetshenziswa kwemali kwanyanga zonke
Ibhalansi iyatholakala
Amaphesenti alondoloziwe
6. Vumelanisa ne-TinyDB:
Yonke idatha yakho igcinwa endaweni kudivayisi yakho nge-TinyDB, iqinisekisa ukuvikeleka kanye nobumfihlo bemininingwane yakho yezezimali. Idatha yakho ayabelwanga nezinkampani zangaphandle.

7. Isixhumi esibonakalayo esisebenziseka kalula:
Ithuthukiswe ngedizayini yesimanjemanje futhi enembile, uhlelo lwethu lokusebenza kulula ukulisebenzisa futhi lulungele wonke amaphrofayili abasebenzisi.

8. Ukususwa Kwedatha:
Ufuna ukuqala kusukela ekuqaleni? Uhlelo lwethu lokusebenza likuvumela ukuthi ususe yonke idatha ngokuthepha okulula, usule yonke imininingwane egciniwe futhi ikuvumela ukuthi wenze isiqalo esisha.

9. Ukusekela:
Uma unemibuzo noma izinkinga, ungaxhumana nathi ngqo nge-imeyili [e-mail].

I-Spending Control uhlelo lokusebenza olufanele kulabo abafuna ukulawula ngokuphelele izimali zabo, bonge okuningi futhi basebenzise ngokucophelela. Landa manje futhi uqale ukuphatha imali yakho ngokuphumelelayo!