EveryDollar: Budget Management

Ramsey Solutions

Ukuthenga ngaphakathi nohlelo

Mayelana nalolu hlelo lokusebenza

I-EveryDollar ingaphezu kohlelo lokusebenza lwesabelomali oluvela kuDave Ramsey – yilona kuphela uhlelo lokusebenza olukusiza ukuthi uthole izinkulungwane zemali efihliwe endaweni esobala.

Njengohlelo lokusebenza lwesabelomali somuntu siqu, i-EveryDollar ikusiza ukuthi uthole imali eyengeziwe yokukhokha izikweletu nokwakha ingcebo. Dala izabelomali ezenziwe ngokwezifiso ngohlelo lwakho lwesabelomali somuntu siqu futhi ulandelele izindleko kanye nokuthengiselana. Kodwa akugcini lapho: hlela ukusetshenziswa kwemali, setha imigomo yezezimali futhi uphathe izimali zomuntu siqu konke nge-EveryDollar.

Isabelomali sikunikeza imvume yokusebenzisa imali. I-EveryDollar inikeza yonke imali umsebenzi. Qala namuhla, bese utshela imali yakho ukuthi iye kuphi esikhundleni sokuzibuza ukuthi iye kuphi.

UMPHATHI WEZIMALI ZOMNTU NESILANDELI SESABELO SAMAHHALA
• Landelela imali futhi udale izabelomali kalula
• Lungisa imali nokuhlela isabelomali noma nini, noma kuphi
• Landelela ukusetshenziswa kwemali kanye nokonga imali ngokushesha nangokunembile
• Qonda ukuhamba kwemali yakho ukuze usebenzise imali ngokuzethemba
• Kuhle kunoma yimuphi umphathi wesabelomali noma wezezimali zomuntu siqu: isabelomali somuntu siqu, isabelomali sasekhaya, isabelomali somndeni, ukuhlela isabelomali sabafundi

UMPHATHI WEZIMALI NOMPHAKATHI
• Umlandeli 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
• Guqula izimali zakho kuzo zonke izinhloso zakho zezezimali
• Landelela ukunciphisa izikweletu kanye nokonga imali yomhlalaphansi nge-tracker yokusebenzisa imali
• Kulula ukuyisebenzisa kokubili kwabaqalayo kanye nomphathi wezezimali zomuntu siqu onekhono noma umhleli wezezimali

UMELEKI WEZEZIMALI NOMQEQESHI WEZIMALI EZIBONAKALAYO
• Funda amathiphu emali kanye nendlela yokonga imali usebenzisa ukuhamba kwemali kwanyanga zonke osuvele unayo
• Funda ukuphathwa kwezezimali futhi ube yisazi semali ngeseluleko sochwepheshe
• Indlela yokulandelela ukuthengiselana, amathiphu okonga, indlela yokudala isabelomali ozosisebenzisa ngempela nokuningi!
• Ababhajethi bafunda ukonga imali: thola isilinganiso esingu-$3,015 semali engenayo!

ISILANDELI SOKONGA IMALI NOKUSEBENZISA IMALI
• Ukuphatha imali ngohlelo lwethu lokusebenza lokulandelela imali yomuntu siqu kanye nokuphathwa kwemali kulula
• Yazi ukuthi imali yakho yokonga kanye nokusebenzisa imali iya kuphi
• Ukuhlela imali kanye nesabelomali kukusiza ukuthi wonge imali futhi usebenzise imali
• Phatha okubhaliselwe futhi ulandelele izindleko
• Landelela ukusetshenziswa kwemali ukuze ugweme ukweqa isabelomali
• Ukulandelela ukusetshenziswa kwemali kulula ngokuxhumeka kwebhange okuzenzakalelayo

ISILANDELI SOKUBHALISA NE-INCOME• Umenzi wesabelomali sakho, uhlelo lokusebenza lokulandelela izikweletu kanye nemali engenayo
• Umhleli wezikweletu ukuvumela ukuthi uphathe izikweletu kanye nezindleko kalula
• Qhathanisa imali engenayo kanye nezikweletu ukuze ulungise imigomo yokusebenzisa kanye nokonga
• Qapha zonke izinhlobo ze-bill tracker kanye nezimo zomphathi wezindleko
• Isilandeli semali, isilandeli sezindleko zokuhamba, isilandeli sesabelomali seholide nokuningi

ISILANDELI SEMIGOMO YEMALI
Ithuluzi lesabelomali lanoma yimuphi umgomo wezezimali: dala isabelomali sanoma yimuphi umgomo wokwenza isabelomali noma wokonga imali, njenge:
• Isabelomali somuntu siqu
• Isabelomali sasekhaya
• Isabelomali somndeni
• Isabelomali samaholide
• Isabelomali somshado
• Isabelomali sanyanga zonke

Izici zohlelo lokusebenza lwesabelomali samahhala:
• Dala isabelomali sanyanga zonke
• Buka umhleli wakho wesabelomali samahhala kunoma iyiphi idivayisi
• Yenza ngokwezifiso I-tracker yokusebenzisa imali yamahhala yezindleko zanyanga zonke
• Dala izigaba zesabelomali ezingenamkhawulo kanye nezinto zomugqa
• Yonga imali yokuthenga okukhulu kanye nemigomo
• Yabelana ngesabelomali sakho somndeni kanye nokulandelela izindleko
• Hlukanisa ukuthengiselana ezintweni zomugqa wesabelomali
• Setha izinsuku zokugcina ukuze uphathe amabhili kanye nokulandelela isabelomali

Izici zesabelomali ezithuthukisiwe:
• Sakaza ngokuzenzakalelayo ukuthengiselana kwisabelomali
• 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 i-tracker yakho yamanje neyabikezelwayo yenzuzo• Landelela ukusetshenziswa kwemali, ukuthi ukhokhelwa nini kanye nezinsuku zokugcina ngokuhlela umholo
• Hlangana nezinhloso zokunciphisa izikweletu nokonga bese ubona ukuthi uzozifinyelela nini ngemephu yendlela yezezimali
• Yiba ongenazikweletu ngokushesha ngokulandelela izindleko okulula
• Joyina izikhathi ze-Q&A ezibukhoma nabaqeqeshi bezezimali abangochwepheshe

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