Ekhaya likagogo kwakukhona ibhuku.
Lalingafihliwe, lalingabonakali libalulekile. Lalihlala kwidrowa lasekhishini, eduze kwezikelo namabhande arabha, likhava lakhe seligugile emakhoneni.
Ngaphakathi kwakukhona amabhuku endlu.
Ikholomu yezinto ezibhalwe ngepensela, izinombolo zihleliwe ngakwesokudla, isamba ekugcineni kwekhasi ngalinye. Ukuthenga, ugesi, umthungi wezicathulo, imali enikwa umzukulu.
Akukho lutho olukhaliphile. Kodwa ugogo, ongazange afunde ezikoleni eziphakeme futhi ongazange alizwe igama elithi "ingcebo", wayelokhu azi izinto ezimbili ngokunemba okuphelele.
Ukuthi wayechithe malini.
Nokuthi kwakusele malini kuye.
Yizinto ezimbili namuhla, ngefoni ephaketheni nesitatimende se-akhawunti sikude ngomunwe, cishe okungasekho oyaziyo ngokuqiniseka okufanayo.
Lesi sihloko siyisenzo esincane senhlonipho kulelo bhuku. Futhi siyindlela yokusho ukuthi asizange sisungule lutho: sizamile nje ukungakhohlwa.
Izimvilophu, okungukuthi isabelomali ngaphambi kwesabelomali
Ngaphambi kwebhuku, emakhaya amaningi kwakukhona uhlelo olulula nakakhulu. Izimvilophu.
Lwalusebenza kanje. Kwakufika umholo — kaningi ungukheshe, ephaketheni lomholo langempela — bese leyo mali ihlukaniswa ngokushesha ifakwe kwezinye izimvilophu.
Imvilophu yerenti. Enye yokudla. Enye yamabhili. Enye yezingubo zezingane. Enye, encane, ebekelwe eceleni kuphelele lapho.
Uma imvilophu ingasenalutho, yayingenalutho. Awukhi emvilophini yerenti ukuze uthenge into engadingekile. Leyo yayingcwele.
Namuhla besingakubiza ngokuthi isabelomali ngesigaba: ukunquma kusengaphambili ukuthi kunikezwa malini isigaba ngasinye sezindleko, bese uzigcina ngaphakathi kulowo mkhawulo.
Sikuthole kabusha sengathi kuyinto entsha. Sikuthengisa njengeqhinga. Ogogo bethu bakwenza ngephepha lezimvilophu nepensela, futhi kwakusebenza ngesizathu esisasebenza namanje.
Umkhawulo wawuphathekayo. Wawuwubona. Uma imvilophu iceka, wawukuzwa ngeminwe.
Inkinga ye-akhawunti yanamuhla yileyo kanye: iyimvilophu eyodwa, enkulu kakhulu, lapho konke kuxubana khona. Irenti, ukudla ngaphandle, imali eyongiwe nokuthenga kusenombolweni eyodwa. Futhi inombolo eyodwa exuba konke ayikutsheli lutho ngalapho uya khona.
Izimvilophu zazihlukanisa. Futhi ukuhlukanisa kuyisenzo sokuqala sokuqaphela.
Ku-Cashfulness ungadala izabelomali zanyanga zonke ngesigaba — izimvilophu zanamuhla. Uma usondela emkhawulweni wesigaba, isaziso esizolile siyakutshela: "isabelomali sikaKhaya nezinsizakalo sesicishe sifike emkhawulweni". Akukho alamu ebomvu, akukho ukusolwa. Ukwaziswa nje okwakuthi, kudala, kunikwe wubukhulu bemvilophu.
Ibhuku, okungukuthi ukubhala konke
Bese kulandela ibhuku. Futhi lapha kukhona isifundo sokuqala esikhulu esilahlekile.
Ugogo wayebhala konke.
Hhayi izindleko ezinkulu kuphela. Nesinkwa. Nephephandaba. Nemali encane eyayinikwa umfana wokulethwa kwempahla. Akukho okwakukuncane kakhulu ukuze kungangeni ekhasini.
Kithi kubonakala kuwumzamo ongenamsebenzi. Amayero amathathu esinkwa, kungani uwabhala?
Ama-app anamuhla, kunalokho, enza okuphambene: akukhuthaza ukuthi ubuke izindleko "ezibalulekile" kuphela, ukuthi weqe imininingwane, ukuthi wenze kube lula. Akunika isithombe esikhulu bese ezungeza asuse okunye.
Kubonakala kulula. Kuwugibe.
Ngoba izindleko ongazibhali yizindleko ongazibonile. Futhi isamba sazo zonke izindleko ongazibonile yiyona kanye imbobo phakathi kwalokho okholwa ukuthi ukuchithayo nalokho okuchitha ngempela.
Lawo mayero amathathu esinkwa, ephindwe ngosuku ngalunye, ngento encane ngayinye engabhekwanga, aba ngamakhulu amayero ngenyanga anyamalala engashiyi mkhondo. Hhayi ngoba umoshi. Ngoba akekho owake wawabhala.
Ugogo lokhu wayekwazi ngesizungu. Wayebhala konke ngoba wayazi ukuthi udeveli akakho ezindlekweni ezinkulu — lezo uzinquma unengqondo ecacile. Ukhona kulezo ezincane eziyikhulu ongazibheki.
Kukhona umgomo, ku-Cashfulness, engiwubiza ngokuthi ubuqotho obuphelele: i-app ayikuvumeli "ukuqamba amanga ngokushiya". Nekhofi lamayero angu-1,20 lingena ekubalweni, ncamashi njengoba lalingena ebhukwini likagogo. Hhayi ukuze uzizwe unecala ngekhofi — ikhofi lingcwele njengemvilophu yerenti — kodwa ngoba kuphela ngokubhala konke inombolo yokugcina iba yiqiniso.
Kudala wawukwenza ngepensela, kusihlwa, ngaphambi kokulala.
Namuhla ukubhala ngemizuzwana embalwa uma kwenzeka, futhi isamba sizivuselela ngokwaso.
Ithuluzi lishintshile. Umgomo uyafana ncamashi: bhala konke, noma ibhuku liyaqamba amanga.
Isamba ekugcineni kwekhasi, okungukuthi ukwazi njalo ukuthi kusele malini
Bese kwakukhona into engishaqisa kunazo zonke, kuze kube namuhla.
Ekugcineni kwekhasi ngalinye, ugogo wayedweba umugqa bese enza isamba.
Wayazi, nganoma yisiphi isikhathi, ukuthi kusele malini kuye. Hhayi ngomuzwa. Hhayi "ngibona sengathi ngihamba kahle kule nyanga". Inombolo. Ebhaliwe. Evuselelwe.
Leyo nombolo yayiyikhoodinethi yakhe.
Emkhunjini kukhona isenzo esibizwa ngokuthi indawo eqondile yomkhumbi: ukubhala emephini indawo eqondile yomkhumbi ngomzuzu othile. Hhayi lapho ufuna ukuya khona, hhayi lapho ukholwa ukuthi ukhona. Lapho ukhona ngempela, manje. (Ngikhulume ngakho ngokugcwele lapha.)
Ugogo wayenza indawo eqondile yomkhumbi yakhe njalo kusihlwa, ngomugqa wepensela ekugcineni kwekhasi.
Thina, ngayo yonke ubuchwepheshe esinabo, kaningi asikwazi ukukusho. Sivula i-app yebhange, sibona ibhalansi ye-akhawunti, sikholwe ukuthi leyo yindawo eqondile yomkhumbi yethu. Akunjalo.
Ibhalansi ye-akhawunti iyimvilophu eyodwa exuba konke, ngikushilo. Ikhoodinethi yangempela ngenye: yinani lakho lemfuwa esele — konke onakho kususwe konke okukweletayo. Ama-akhawunti, izimpahla, imali eyongiwe, ngakolunye uhlangothi; izikweletu, izinkokhelo zenyanga, ibhondi, ngakolunye. Ukukhipha phakathi kwalezi zimbili kuyisimo sakho sangempela.
Ugogo wayengenayo ibhondi noma ama-ETF, futhi ukukhipha kwakhe kwakungena ekhasini elilodwa. Impilo yethu iyinkimbinkimbi kakhulu: indlu enebhondi elisadingeka likhokhwe, imoto ebiza ngaphansi kwalokho oyithenge ngakho, ukutshalwa kwemali okuthile, ikhadi lesikweletu.
Ukugcina konke lokhu kuvuselelwe ngepensela, njalo kusihlwa, namuhla bekungaba ngumsebenzi wesibili.
Kodwa isenzo esibalulekile siyafana. Futhi ku-Cashfulness inyakazo ngayinye oyibhalayo ivuselela ngokuzenzakalelayo leyo khoodinethi. Wena wenza ukuthenga bese uyakubhala; isamba ekugcineni kwekhasi — inani lakho lemfuwa esele — siziphinda sona.
Umugqa wepensela udwetshwa yiprogremu, ngesikhathi sangempela. Wena kufanele uwubuke kuphela.
Imfihlo yobuchwepheshe ugogo ayeyisebenzisa engazi
Manje ngikutshela into ebeyokwenza ugogo ahleke.
Lelo bhuku lakhe, elenziwe ngamakholomu nangamasamba, kwakuyinguqulo yasekhaya yeqhinga izinkampani zomhlaba wonke ezilisebenzise iminyaka engamakhulu ayisithupha.
Libizwa ngokuthi i-double-entry bookkeeping (ukubhalwa kwamabhuku kabili).
Yabhalwa ngokusobala ngo-1494 ngumfundisi ongusomethemethiki, uLuca Pacioli, esivumelwaneni esisayisisekelo sokubhalwa kwamabhuku kwanoma yiliphi ibhizinisi emhlabeni. Umqondo umuhle: ukunyakaza ngakunye kwemali kubhalwa kabili, ezinhlangothini ezimbili ezibalanisanayo. Uhlangothi olulodwa lubizwa ngokuthi i-Debit, olunye i-Kredit.
Akuzona izikweletu, qaphela — angamalebula nje ezinhlangothi ezimbili zombhalo owodwa. Uma uthenga isinkwa, ngakolunye uhlangothi imali iphuma ku-akhawunti, ngakolunye kungena isinkwa (noma, kaningi, izindleko ozenzile). Izinhlangothi ezimbili kufanele zilingane.
Futhi nakhu umlingo, wona kanye uwenziwa ngugogo engawuniki igama: uma uhlanganisa wonke ama-Debit nawo wonke ama-Kredit ebhuku lakho, kufanele uthole inombolo efanayo ngempela.
Uma kubuyelana, konke kuhamba kahle.
Uma kungabuyelani, ndawana thile kukhona iphutha — futhi ukwazi ngokushesha, ngaphambi kokuba libe yinkinga.
Ugogo lokhu kulingana wayekufuna ngendlela yakhe. Wayebala kabusha ukheshe, awuqhathanise nesamba sebhuku, futhi uma lezo zinombolo ezimbili zingahlangani wayengalali aze athole ukuthi lalisiyephi ilira elingekho. Kwakuyikubalanisa kwakhe: ukuqinisekisa ukuthi amabhuku ame ngezinyawo.
Wayengazi ukuthi wenza i-double-entry bookkeeping. Wayekwenza nje, ngoba yiyona ndlela yodwa yokuba nenombolo ongayethemba.
Thina, lolo qeqesho, sesiluvele salukhohlwa kancane. Ama-app "alula" aluphonsile ngenxa yokunethezeka: ahlela ngezigaba izinyakazo ze-akhawunti, akwenzele igrafu elihle, kodwa awubalanisi lutho — futhi kanjalo inombolo akubonisa yona iyisilinganiso, hhayi iqiniso.
I-Cashfulness yenza ukukhetha okuphambene. Igcina injini ye-double-entry bookkeeping ncamashi njengoba uPacioli ayeyiqonda, nanjengoba ugogo ayeyisebenzisa engazi. Kuphela nje ayikwenzi kusinde: ngaphansi, amabhuku ayazibalanisa; ngenhla, wena ubona okungenayo, okuphumayo nokuthi "konke kuyabuyelana". Amagama angempela — i-Debit, i-Kredit, ukubalanisa — akhona uma uwafuna, echazwe ngesikhathi sokuqala uhlangana nawo, engalindelwe ukuthi uyawazi. (Ngixoxile ngokuthi kusebenza kanjani, ngamagama alula, lapha.)
Iminyaka engamakhulu ayisithupha yoqeqesho. Ilethwe ekhaya ingahlanjululwanga.
Yini esiyilahlile, nokuthi yini esingayithatha kabusha
Pho, yini eyayiyazi ibhuku lasekhaya lasendulo esiyikhohliwe thina?
Izinto ezintathu, futhi akukho neyodwa edinga ukuthi sibuyele epenseleni.
Lalikwazi ukuhlukanisa. Izimvilophu zazigcina izindleko zihlukene, ngoba inombolo eyodwa exuba konke ayikukhombisi ndlela.
Lalikwazi ukubhala konke. Nesinkwa, nemali encane enikeziwe, ngoba izindleko ongazibhali yizona ezikuqeda ngasese.
Futhi lalikwazi ukwazi njalo ukuthi kusele malini. Isamba ekugcineni kwekhasi, njalo kusihlwa: ikhoodinethi, hhayi umuzwa.
Akukho ukukhumbula okudlule ngenxa yosizi, kulokhu. Angisho ukuthi kwakungcono ngesikhathi kunzima.
Ugogo wayezonikela ngengalo ukuze athole ithuluzi elenza amasamba esikhundleni sakhe, eligcina amabhuku ehambisana phakathi kwekhishi nesikhwama, elingamenzi alahlekelwe ubusuku ejaha ilira elilodwa.
Umzamo webhuku wawungesiyo into enhle. Kwakuyintengo eyayikhokhwa ukuze ube nedatha ongayethemba.
Esingayithatha kabusha akuwona umzamo. Yisiyalo esasingaphansi kwawo. Inhlonipho ngedatha eyiqiniso, kuze kufike kusenti lokugcina. Umkhuba wokubuka ikhoodinethi esikhundleni sokuhamba ngomuzwa.
I-Cashfulness, ekugcineni, yilelo bhuku elinepensela elenza amasamba lodwa. Uqeqesho olufanayo nolukagogo nolukaLuca Pacioli, ngaphandle kobusuku obulahlekile ubalanisa ukheshe.
Imali iyithuluzi lokuthenga isikhathi nenkululeko — hhayi iphupho okufanele ulilandele, futhi hhayi isitha okufanele ulwe naso. Ugogo wayekuqondile engakufundanga ndawo. Wayegcina amabhuku hhayi ngenxa yokukhathazeka, kodwa ukuze ahlale ethule: ukuze alale azi ukuthi ukuphi, nokuthi kusele malini kuye.
Yikho lokho kuthula esizama ukukubuyisela.
Uma usenalo ibhuku likagogo kwidrowa, livule. Uzothola ukuhlakanipha kwezezimali okuningi lapho ngaphakathi kunasesigamekazini sezihloko ezizungeza ku-inthanethi.
Kubalwa, mhlawumbe, nalesi.
— Vittorio