Ulenza kanjani ikhalenda lebhajethi likusebenzele

Ingabe ukuthola kunzima ukuphatha kahle izimali zakho? Uma unezinto eziningi epuletini lakho, kulula ukuthi ezinye zishelele emifantwini. Ukuthuthuka kwezezimali kuvame ukuba ngenye yalezo zinto ezilahlekayo.

Kwesinye isikhathi kudinga isu ukwenza umehluko. AbaseMelika bathi Ukuzinza kwezezimali kubaluleke kakhulu Uma bengakha futhi bagcine uhlelo lwezimali olubhaliwe. Futhi masibhekane nakho, izinto zingenzeka kakhulu uma uzibeka ekhalendeni.

Kulapho ikhalenda yebhajethi iqala ukusebenza khona. Leli thuluzi elilula liyakwazi ukukusiza ukuthi uhlale usendleleni ngezindleko zakho, umise umjikelezo wokukhokha futhi ufinyelele imigomo yakho yezezimali. Ake siqale ngokukhuluma ngokuthi liyini ikhalenda lebhajethi.

Liyini ikhalenda lebhajethi?

Ikhalenda lesabelomali lingabizwa nangokuthi ikhalenda lesabelomali. Kuyafana ne-ajenda evamile ekusiza ukuthi ulandelele ama-aphoyintimenti azayo. Ngamanye amazwi, kufana Ibhajethi wuhlelo lokuthi uzoyisebenzisa kanjani imali yakho. Ngefomu lekhalenda

Umhleli webhajethi angaba yithuluzi elibalulekile lokukhumbula izinsuku eziwumnqamulajuqu nokuvimbela izingibe zesabelomali. Ungayisebenzisa ukuhlela nokufeza izinhloso zakho zezimali.

Ungakwazi ukuhlela ukudluliselwa ngakunye ku-akhawunti yakho yokonga kuze kube yilapho usulondoloze okwanele ukufinyelela umgomo wakho. Ingasetshenziswa njengekhalenda lomgcinimafa, ukukusiza ukuthi ulandelele ukuhamba kwemali.

Ikhalenda lebhajethi liwumqondo omuhle.

Nakuba ikhalenda yesabelomali ingase ingabi eyawo wonke umuntu, kunezizathu eziningi ezinhle zokuyizama. Lawa amaphuzu amathathu abalulekile:

1. Ikhalenda lesabelomali lisebenza njengesikhumbuzo esibonakalayo sokuthi izikweletu zakho sezifike nini

Uma unezinto eziningi okufanele uzenze, kungase kube nzima ukulandelela zonke izikweletu ezifikayo ngenyanga ngayinye. Ukwehluleka ukukhokha kungaba nemiphumela engemihle, njengezimali ezikhokhwa sekwephuzile noma izimpawu ezingezinhle emibikweni yezikweletu. Ngisho ne-invoyisi eshiywe yisikhathi ingadala izinkinga Isikolo sakho sesikweletu sizokwehla ngamaphuzu ayi-150!

Futhi nakuba amasu afana nokwenza izinkokhelo zakho ngokuzenzakalelayo angasebenza kahle ekugwemeni ukungakhokhi, kuhlale kuwusizo ukwazi ukuthi imali iphuma nini ku-akhawunti yakho. Ikhalenda lesabelomali lizokunikeza isikhumbuzo esibonakalayo sezikweletu zakho.

Ungakwazi ukubheka ngokushesha inyanga ezayo futhi ubone ukuthi uzokhokha malini futhi nini. Uma kufanele wenze ibhajethi ye-payroll, leli ithuluzi elihle.

2. Ungakwazi ukuhlela ikusasa ngohlelo lwesabelomali

Abantu abaningi bacabanga ukuthi bazokwenzani ngemali yabo kuleli sonto noma kule nyanga, kodwa abavamile ukuhlela kusengaphambili. Ukuhlela kusengaphambili kuyisihluthulelo sempumelelo enkulu yezezimali.

Ikhalenda lesabelomali liyindlela enhle yokuhlelela izindleko ezinkulu zonyaka. Kungenzeka ukuthi umangazwe izikweletu zonyaka noma zesigamu sonyaka, njengomshwalense wemoto nezintela zezakhiwo. Uyazi bayafika, bafika minyaka yonke. Nokho ngandlela-thile usukhohliwe ngabo.

Uma singazihleleli, lezi zindleko zingaphazamisa isabelomali sethu. Singazihlelela futhi songe ngokubheka unyaka wonke.

Amakhalenda ebhajethi angaba yindlela enhle yokuhlela kusengaphambili imigomo emikhulu yezezimali. Abangani bakho bakhuluma ngokuya ohambweni lwamantombazane. Kungaba nzima ukukukhokhela uma ungahleleli kusenesikhathi. Kungenzeka ukuthi uqale ukonga imali ngokuyibeka ekhalendeni lakho.

3. Amakhalenda ebhajethi angakusiza ukuthi uqede umjikelezo wokukhokha ukuze udlale

Abaningi bethu sebefinyelele ezingeni ezimpilweni zethu lapho siphila khona ukuze sikhokhelwe. Lokhu kuvamile impela Cishe ama-59% abantu baseMelika bayakwazi ukufunda ngesiNgisi. UCharles Schwab wenze inhlolovo ngo-2019 eyathola ukuthi abantu baphila ngesheke ukuze bakhokhe. Futhi noma ubani oke wabhekana nakho uyazi ukuthi kungaba umjikelezo onzima ukuwunqamula.

Ungakwazi ukunqamula lowo mjikelezo ngokusebenzisa ikhalenda yebhajethi. Okokuqala, ngoba ikuvumela ukuthi uqaphele imali engena futhi ephuma ku-akhawunti yakho yasebhange. Isinyathelo sokuqala sokuya phambili ukwazi ukuthi imali yakho ikuphi.

Kungaba usizo ukuba nohlelo nohlelo lokukusiza uhlangabezane nemigomo yakho yokonga. Ake sithi usuneminyaka uzitshela ukuthi uzodlulisela imali osele nayo ekupheleni kwenyanga uye ekongeni. Kodwa uma kufika ukuphela kwenyanga, akusekho lutho.

Ungasebenzisa ikhalenda lesabelomali ukuze likusize uhlele kusengaphambili futhi ugweme ukuthembela ezindlekweni zakho kuphela. Ungasetha umcimbi ovamile ekhalendeni lakho okuvumela ukuthi udlulisele imali, ngisho namanani amancane, ku-akhawunti yakho yokonga ngokushesha nje lapho inkokhelo yakho ifika inyanga ngayinye.

Uma usubona leyo akhawunti yokulondoloza ikhula, uzoba nogqozi lokunamathela kuyo futhi ufinyelele imigomo emikhulu yezezimali.

Indlela yokwenza ikhalenda yebhajethi

Ngakho-ke unqume ukusungula ikhalenda lebhajethi ngenxa yezinzuzo zalo kubhajethi yakho. Iyiphi indlela engcono yokuqala? Ziningi izinqumo okufanele zenziwe, njengokuthi usebenzise iphepha noma idijithali, nokuthi imiphi imigomo okumelwe uyifake ekhalendeni lakho.

Noma ngabe yisiphi isitayela sokwenza isabelomali osisebenzisayo, ikhalenda yebhajethi ingaba yithuluzi elihle. Akunandaba ukuthi ukhetha ukwenza isabelomali samasonto onke, biweekly noma nyanga zonke. Ake sixoxe ngakho.

Izinketho zekhalenda lebhajethi

Ayikho indlela efanele yokusetha ikhalenda yebhajethi. Ubuchwepheshe businike inqwaba yezinketho. Ake sikhulume ngamanye amafomethi ekhalenda atholakalayo kuwe:

Umhleli wephepha

Umhleli wephepha wakudala ungaba inketho enhle kakhulu ukukusiza ukuthi uhlele isabelomali sakho.

Amathempulethi nezifanekiso

Ungathola okuphrintekayo okuningi, okuhlanganisa nezifanekiso zebhajethi ku-inthanethi, okungenzeka kukhululeke noma kungabi mahhala. Eziningi zakhelwe ngokuqondile amakhalenda ebhajethi.

Ikhalenda yedijithali

Ungase ukhethe ukusebenzisa amathuluzi edijithali. Ikhalenda yedijithali, njenge -Google Ikhalenda lingakusiza ulawule ibhajethi yakho.

Isicelo sekhalenda yebhajethi

Izinkampani zenza izinhlelo zokusebenza ezisiza abasebenzisi ukuthi baphathe amakhalenda abo ebhajethi, okuyikhona okubenze baduma kakhulu.

Kufanele ufake lezi zinto kuhlelo lwakho lwebhajethi

Uma usunqumile ngefomethi yekhalenda lakho, yisikhathi sokunquma ukuthi uzofaka ini. Lolu hlu lungahluka kuye ngezinjongo zakho nesimo sezezimali. Nazi ezinye izinto ongazifaka ekhalendeni lakho:

Qasha

Kufanele wenze isiqiniseko sokuthi ibhajethi yakho yanyanga zonke ihlanganisa wonke umholo wakho.

Ama-invoyisi

Engeza isikweletu sakho ngasinye: Lokhu kuhlanganisa izikweletu zanyanga zonke njengerenti nezinsiza, kanye nezikweleti ezingavamisile: okubhaliselwe konyaka.

Izinkokhelo zezikweletu

Uma uzama ukukhokha isikweletu sakho ngamandla futhi wenze izinkokhelo ezengeziwe, zibhale phansi ekhalendeni lakho.

Imigomo yokonga

Kufanele uhlale unezimali eziphuthumayo. Uma usakha isikhwama sakho sezimo eziphuthumayo, qiniseka ukuhlela ukudluliselwa kwakho. Ikhalenda lakho lingasetshenziselwa ukuhlela ukudluliselwa ukuze ulondolozele izinto ezifana neholide noma inkokhelo encane yendlu.

Konke kukodwa

Uma usukhethe ifomethi yekhalenda yebhajethi efanele futhi wazi ukuthi yini ofuna ukuyifaka, sekuyisikhathi sokuyilungisa! Isikhathi sokuqala uma usetha ikhalenda lakho kungathatha isikhathi eside.

Enye yezinto okuzodingeka uzenze ukubuyekeza i-invoyisi yakho ngayinye yenyanga, isigamu sonyaka kanye nonyaka. Ungaphinda ufake imicimbi ezayo yonyaka lapho ufuna ukonga khona imali. Uma usunekhalenda lakho, kulula kakhulu ukuligcina lisesikhathini samanje. Ungakwazi futhi ukuhlanganisa ikhalenda lakho nezimvilophu zakho zemali zedijithali.

Izakhi ezinhle kakhulu zokwakha ikhalenda yebhajethi

Ungasebenzisa izakhi zedizayini ezingcono kakhulu ukukusiza ufeze uhlelo lwakho. Awukwazi ukusebenzisa izinto ezibukwayo hhayi nje ukuze uthuthukise ukubukeka kwekhalenda lakho, kodwa futhi zingasetshenziswa njengamathuluzi okwenza ikhalenda lakho likhiqize kakhudlwana.

Khetha usayizi omkhulu

Khetha usayizi webhajethi okulula ukuwulandela. Ngamunye uzoba nempendulo ehlukile. Ake sithi ungumuntu ohlale esendleleni. Ukuba nebhuku elikhulu lesabelomali kungase kungasebenzi kuwe. Kuzoba yikhanda elibuhlungu futhi ungagcina usulilahlile.

Sebenzisa ikhodi yombala

Indlela enhle yokugcina isabelomali sakho sisemgqeni ukwengeza umbala. Ukuze uhlele ikhalenda lakho, ziningi izindlela zokusebenzisa ikhodi yombala.

• Amaholo ahlukene Ukuze ucacise ukuthi yiziphi izikweletu ezizokhokhwa ngesheke lakho, isikhathi ngasinye lapho uthola isheke, ungashintsha umbala wesheke.
• Kungenzeka ukuhlukanisa izinhlobo ezahlukene zezindleko Isibonelo, ungasebenzisa umbala owodwa ukuze ugqamise izikweletu zanyanga zonke futhi omunye uwugqamise lapho udlulisela imali ekongeni.
• Ukunikeza ama-invoyisi Ungakha ikhalenda yesabelomali esihlanganyelwe uma unomuntu ohlala naye noma umbhangqwana owabelana ngezindleko. Ungasebenzisa ikhodi yombala futhi nikhumbuzane ukuthi ubani onesibopho se-invoyisi ngayinye.

Veza ikhalenda lakho lebhajethi

Ikhalenda yebhajethi ayilona ithuluzi lokubeka-ubese-ukhohlwe. Njengezinye izici zezimali zakho, into ozofuna ukuyibuyekeza njalo. Ngakho-ke ake sikhulume ngokuthi kufanele ulibuyekeze kangaki ikhalenda lakho lebhajethi.

Kufanele uyihlole nini?

Ngokushesha nje lapho umholo wakho ufika, kungcono ukuhlola ikhalenda lakho njalo ngemva kwamasonto amabili. Lokhu kuzokuvumela ukuthi uhlele izimali zakho ngokushesha nje lapho imali ifika. Ungaphinda ubuyekeze ama-payroll akho ngekhalenda ukuze uwalungise futhi uwavumelanise.

Ake sithi unqume ukwenza enye inkokhelo emalimboleko yakho yabafundi. Inkokhelo eyengeziwe yengezwe kubhajethi yakho, kodwa imoto yakho yaphuka. Esikhundleni sokukhokha isikweletu esengeziwe, wanquma ukusebenzisa imali ukulungisa imoto yakho.

Ungalungisa izinhlelo zakho zezimali zesonto elizayo ukuze zifake izindleko zokukhanda izimoto uma uhlela izimali zakho. Ungase unqume ukukhokha lezo zikweletu ezengeziwe ngaleli holo elisha, noma ukhulise isikhwama sakho sezimo eziphuthumayo ukuze ukulungiswa kwezimoto kungabi inkinga kubhajethi yakho ezinyangeni ezizayo.

Setha izikhumbuzi ekhalendeni lakho

Sinezinhloso ezinhle kakhulu emhlabeni uma kuziwa ekugcineni umkhuba omusha, noma ngabe ukunamathela esimisweni sethu sokwenza ibhajethi noma ukulandela isimiso esisha sokuzivocavoca. Kodwa ake sibhekane nakho, ngezinye izikhathi izinto ziyalahleka. Enye yezindlela ezingcono kakhulu zokuqinisekisa ukuthi unamathela kubhajethi yakho iwukusetha izikhumbuzi zekhalenda. Ziningi izindlela zokusebenzisa lezi zikhumbuzi.

Ukukukhumbuza ukuthi ubuyekeze ibhajethi yakho, setha izikhumbuzi ekhalendeni lakho. Ukuze uqiniseke ukuthi awukhohlwa ngesheke lakho losuku lokukhokha, setha isikhumbuzi ekhalendeni lakho. Ukukusiza ukuthi unamathele kubhajethi yakho, ungasebenzisa izikhumbuzi zekhalenda. Ukusebenza kahle kohlelo kuncike ekulandeleni kwalo.

Uma usubhale umsebenzi wakho ngamunye wezezimali ekhalendeni, izikhumbuzi zekhalenda zingakusiza ukuthi uqedele umsebenzi ngamunye. Irenti ifuneka ngomhla ka-1 wenyanga ngayinye. Ungasetha isikhumbuzi ekhalendeni lakho ukuze sikukhumbuze uma ukuqasha kwakho kufanele.

Final

Ungasebenzisa ikhalenda ukukusiza wenze ibhajethi, ulandelele izimali zakho, futhi ufinyelele imigomo yakho. Uma kukhulunywa ngesabelomali, khumbula ukuthi konke kumayelana nokukhetha indlela efanele.