EveryDollar: Budget Management

Ramsey Solutions

Ukuthenga ngaphakathi nohlelo

Mayelana nalolu hlelo lokusebenza

I-EveryDollar uhlelo lokusebenza lwesabelomali somuntu siqu olukusiza ukuthi ukhokhe izikweletu futhi wakhe ingcebo. Dala isabelomali esenziwe ngokwezifiso kalula ngomhleli wakho wesabelomali somuntu siqu. Ukulandelela izindleko kanye nokuthengiselana kulula - thola ukulawula imali ephelele phezu kwesabelomali sakho sanyanga zonke bese ubona ukuthi intuthuko yakho ithinta kanjani izimali zakho ngokushesha. Kodwa akugcini lapho: hlela ukusetshenziswa kwemali kanye nokonga, setha imigomo yezezimali futhi uphathe izimali zomuntu siqu.

Isabelomali sikunikeza imvume yokusebenzisa imali uma unikeza yonke imali umsebenzi. Thola inkululeko yezezimali kanye nokuzethemba, buyisela ukulawula izimali zakho futhi uhlale ushukumiselekile kuzo zonke izinhloso zakho zezezimali nge-EveryDollar. Qala namuhla bese utshela imali yakho ukuthi iye kuphi esikhundleni sokuzibuza ukuthi iye kuphi.

UMPHATHI WEZIMALI ZOMNTU NESILANDELI SESABELO SEZIMALI ESILULA
• Landelela imali futhi udale izabelomali kalula
• Lungisa imali ngokuhlela isabelomali okulula kusuka noma yikuphi
• Landelela ukusetshenziswa kwemali nokonga imali ngokushesha nangokunembile
• 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
• Landelela ukunciphisa izikweletu nokonga imali yomhlalaphansi nge-tracker yokusebenzisa imali
• Izabelomali ezilula kokubili kumphathi wezezimali zomuntu siqu oqalayo nonekhono noma umhleli wezezimali

UMELEKI WEZEZIMALI NOMQEQESHI WEZIMALI EZIBONAKALAYO
• Funda amathiphu emali nokuthi ungonga kanjani imali
• Funda ukuphathwa kwezimali futhi ube uchwepheshe wemali ngeseluleko sochwepheshe
• Indlela yokulandelela ukuthengiselana, amathiphu okonga, indlela yokwakha isabelomali ozosisebenzisa ngempela nokuningi!
• Ababhajethi bafunda ukonga imali: thola isilinganiso esingu-$3,015!

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
• Ukulandelela ukusetshenziswa kwemali ukuze ugweme ukweqa isabelomali kulula ngokuxhumana kwebhange okuzenzakalelayo

ISILANDELI SOKUBHALISA NESILANDELI SENGCONO
• Umenzi wesabelomali wakho olula, 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 zesimo sokulandelela izikweletu kanye nomphathi wezindleko
• Isilandeli semali, isilandeli sezindleko zokuhamba, isilandeli sesabelomali seholide nokuningi

ISILANDELI SEMIGOMO YEMALI
Ithuluzi elilula lesabelomali sayo yonke imigomo yezezimali: 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 ukusetshenziswa kwemali kwamahhala Umlandeli wezindleko zanyanga zonke
• Izigaba zesabelomali ezilula 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 umlandeli wakho wamanje kanye nowesilinganiso senzuzo• 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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