Eminyakeni embalwa edlule ngabhala incwadi.
Ibizwa ngokuthi Strategie per la Finanza Personale ("Amasu Ezimali Zomuntu Siqu"), futhi iwumhlahlandlela osebenzayo: indlela yokuletha ekuphathweni kwamabhuku ekhaya ukuqina okufanayo amabhizinisi agcina ngakho awawo.
Ithuluzi engangilincoma, encwadini, kwakuyisoftware ekhululekile futhi yamahhala.
Namuhla ngincoma i-Cashfulness, engayakha mina.
Lesi sihloko sisebenzela ukuba qotho ngento eyodwa: yini eshintshile, futhi ikakhulukazi yini engashintshanga, endleleni kusuka encwadini kuya ku-app.
Ngoba isilingo, lapho wethula umkhiqizo, ukuxoxa ukuthi phambilini konke kwakungalungile futhi manje konke kulungile.
Akuhambanga kanjalo. Umqondo wencwadi usale ufana ncamashi. Kushintshe indlela yokuwusebenzisa — futhi lolo shintsho, ngizokuchazela, lubaluleke ngaphezu kokubonakala.
Yayithini incwadi
Masiqale lapho, ngoba ngaphandle kwencwadi i-Cashfulness ngabe ayikho.
Umqondo omkhulu wencwadi munye kuphela: indlela amabhizinisi ayisebenzisayo ukuze angalahleki emabhukwini awo isebenza, ngokufanayo, nasemndenini.
Leyo ndlela ibizwa ngokuthi i-double-entry bookkeeping.
Iyindlela yokugcinwa kwamabhuku endala ngaphezu kwamakhulu amahlanu eminyaka — incazelo yokuqala ehlelekile ngeyowe-1494 — futhi ilula emgomeni wayo: inyakazo ngayinye yemali ibhalwa kabili, ezinhlangothini ezimbili ezibalanisanayo. Uhlangothi olulodwa lubizwa ngokuthi i-Debit, olunye i-Credit.
Akusizo izikweletu, ungethuki: kumane kuyizilebula ezimbili zezinhlangothi ezimbili zokubhalwa okukodwa. Uthenga isinkwa: ngakolunye uhlangothi kuphuma imali ephathwayo, ngakolunye kungena isinkwa. Izinhlangothi ezimbili, imali efanayo.
Umthetho wokuhlola unobuciko njengomgomo: uma uhlanganisa wonke ama-Debit nawo wonke ama-Credit encwadi yakho, kufanele uthole inombolo eyodwa efana ncamashi.
Uma kubuyelana, konke kuhamba kahle. Uma kungabuyelani, kukhona iphutha ndawana thize.
Incwadi yayichaza isinyathelo ngesinyathelo indlela yokwenza lokhu ekhaya: ukwakha uhlelo lwama-akhawunti lomndeni, ukubhala okungenayo nokuphumayo, ukufunda umphumela ngaphandle kokuba umgcini-mabhuku.
Futhi yayichaza umehluko engangiwubheka, ngaleso sikhathi njengamanje, njengenhliziyo yakho konke.
Umehluko osale ufana ncamashi
Encwadini kukhona ikhasi engilazisa ngaphezu kwamanye. Likhuluma ngezinhlobo ezimbili zezinto oziphetheyo.
Ngakolunye uhlangothi ngangizibiza, empeleni, ngokuthi izimpahla ezikhiqizayo.
Yizinto ezithi, ngenkathi uziphethe, zikubuyisele okuthile: indlu eqashisiwe engenisa irenti, amasheya anika ama-dividend, amabhondi avuza inzalo, isabelo sebhizinisi esikhulayo.
Wena awenzi cishe lutho, futhi okuthile kubuya kuwe.
Ngakolunye uhlangothi, izimpahla ezibizayo.
Yizinto ezithi, ngenkathi uziphethe, zikucela imali: imoto, nentela yayo, umshwalense, ukulungiswa nophethiloli; indlu ohlala kuyo, nezintela nezindleko; indlu yesibili olwandle oyisebenzisa amasonto amathathu ngonyaka.
Lapha nguwe osebenzela zona, hhayi okuphambene.
Ku-Cashfulness ngizibize ngokuthi Asset+ ne-Asset−, kepha umqondo uyilowo kanye wencwadi.
Futhi kukhona ubucayana okufanele buphindwe, ngoba budukisa cishe wonke umuntu. Into eyenyuka ngenani lemakethe ayibi ngenxa yalokho impahla ekhiqizayo, uma uyisebenzisa wena.
Indlu ohlala kuyo ingakhuphuka nangama-30% ngenani, kepha uma nje usahlala kuyo ayikufakeli ngisho i-euro eyodwa ephaketheni: ikucela izindleko. Isala iyimpahla ebizayo. Iba yimpahla ekhiqizayo kuphela ngosuku eqala ngalo ukukunika ukugeleza kwemali — isibonelo uma uyiqashisa.
Lo mehluko wawusencwadini. Usé-app. Angiwuthintanga nangekhoma.
Yini i-app eyengezayo incwadi engakwazi ukukunika yona
Pho-ke, uma umqondo ufana, kungani ngichithe iminyaka ngakha i-application esikhundleni sokugcina ngokuphinda ngishicilele incwadi?
Ngesizathu esiphathelene nomehluko phakathi ko-kwazi into no-kuyenza masonto onke ngaphandle komzamo.
Incwadi ikufundisa indlela. Bese ivaleka, futhi indlela isala emahlombe akho.
Kufanele uvule i-spreadsheet noma uhlelo lokugcinwa kwamabhuku, wakhe uhlelo lwama-akhawunti ngesandla, ubhale inyakazo ngayinye, futhi — ikakhulukazi — wenze izibalo ukuze wazi ukuthi ukuphi. Njalo. Ulwazi lukhona; nomzamo ukhona.
Cishe bonke, ngemva kwamasonto okuqala entshiseko, bayayeka. Hhayi ngobuvila: ngokukhuhlana. Ngiyakwazi ngoba kwenzeka nakimi, futhi ngoba ngikubonile kwenzeka kwabayifundile incwadi bayithanda.
I-app isusa ukukhuhlana emaphuzwini amathathu aqondile.
Okokuqala: ikhoodinethi izibuyekeza yodwa.
Encwadini, ukuze wazi ukuthi unani ngempela, kwakufanele ume wenze isamba: konke onakho, kususwe konke okukweletayo. Leyo nombolo ibizwa ngokuthi inani lemfuwa esele, futhi iyindawo yakho yemfuyo ngesikhathi esithile — lokho engikubiza ku-Cashfulness ngokuthi indawo eqondile yomkhumbi.
Ku-Cashfulness akubalwa nguwe. Ukuthengiselana ngakunye okubhalayo kubuyekeza ngokuzenzakalelayo ikhoodinethi, ngoba ngaphansi kukhona injini ye-double-entry bookkeeping ezungezisa amabhuku ngesikhathi sangempela.
Uvula i-app, imali isivele ilapho. Akudingeki uqale uyifanelwe ngemizuzu engamashumi amathathu yezibalo.
Okwesibili: ukubalanisa kuhlolwa yinjini, hhayi nguwe.
Encwadini, ukuqinisekisa ukuthi ama-Debit nama-Credit ayabuyelana kwakuwumsebenzi wakho wesandla, futhi kwakuyiphuzu okwakulula kakhulu ukudela kulo.
Ku-Cashfulness lokho kuhlolwa — okubizwa ngokuthi ukubalanisa — kungaphakathi enjinini. Izinhlangothi ezimbili zokubhalwa ngakunye kufanele zibalanisane, futhi uma kukhona okungabuyelani iphutha liyavela, esikhundleni sokusala lifihlekile ekugcineni kwe-spreadsheet.
Lokhu kusho into ebalulekile: inani lakho lemfuwa esele liyiqiniso. Akusiso isilinganiso esinethemba eligcwele, alikhohlwa ikhofi lama-€5.20 noma isikhokhelo esasikuphunyukile. Akukho okuphunyukayo, ngoba konke kufanele kubalanisane.
Okwesithathu: ubona isilinganiso phakathi kwalokho okukhiqizayo nalokho okubizayo.
Encwadini umehluko phakathi kwemindeni emibili yezimpahla wawungumqondo okwakufanele uwugcine engqondweni.
Ku-Cashfulness uhlela impahla ngayinye lapho uyidala — impahla ekhiqizayo noma impahla ebizayo — bese i-dashboard ikukhombisa yodwa isilinganiso, ngamaphesenti, phakathi kwezigaba zombili.
Ngokubuka kanye wazi ukuthi uya kuliphi ibanga esikhathini eside: ngasezintweni eziningi ezikusebenzelayo, noma ngasezintweni eziningi ozisebenzelayo wena.
Incwadi ikuchazela umehluko kanye. I-app ikuwubeka phambi kwakho njalo lapho uvula isikrini.
Ithuluzi lishintshile, umqondo cha
Kukhona iphuzu engifuna ukuba sobala ngokuphelele kulo, ngoba sengikubhalile kwenye indawo kuleli blog futhi angifuni ukukufihla lapha.
Encwadini, njengethuluzi lokusebenza, ngangincoma isoftware yokugcinwa kwamabhuku ekhululekile neyamahhala. Kwakuwukukhetha okuhle — futhi kusenjalo namanje: eqinile, ezimisele, engenazindleko.
Ngayincoma ngokwethembeka okuphelele, ngesizathu esilula: lapho ngibhala leyo ncwadi, i-Cashfulness yayingakabi khona.
Kungani-ke ngakha i-Cashfulness, uma enye indlela enhle yayivele ikhona?
Ngoba leyo software, noma iyinhle kangakanani, yazalelwa abayaziyo indlela yokugcinwa kwamabhuku. Ikucela ukuba wazi ulimi lobungcweti, wakhe konke ngesandla, usebenze cishe ngekhompyutha kuphela.
I-Cashfulness izuza njengefa ukuqina okufanayo ncamashi kwe-double-entry bookkeeping — okwencwadi, okowe-1494 — kepha yakhelwe ongesiye umgcini-mabhuku.
Amagama angempela akhona wonke, i-Debit, i-Credit, ukubalanisa, futhi uwathola noma nini lapho uwafuna.
Kepha oqala kusukela ku-zero angaqala ngamagama alula kakhudlwana — okungenayo, okuphumayo, konke kuyabuyelana — futhi amagama obungcweti afika echaziwe, ekuhlanganeni kokuqala, ngaphandle kokwenziwa lula ngokweqile.
Ngoba ubulula abusho ukususa ingqikithi. Busho ukususa ukukhuhlana, kushiywe ingqikithi ingathintiwe.
Bese kukhona izinto isoftware eyakhelwe i-desktop ezenza ngobunzima, futhi namuhla engizithatha njengezivele zikhona: idatha evumelanisiwe phakathi kwefoni nekhompyutha ngaphandle kokuthi ngenze lutho, ikhoodinethi ephaketheni lapho ngiyidinga, ubumfihlo obakhiwe kusukela ekuqaleni kwephrojekthi.
Iphuzu engifuna lifike kuwe yileli: imicabango yencwadi isala isebenza yonke. Empeleni, nge-Cashfulness isebenza nangesizathu esikhulu kakhudlwana.
Incwadi ayigugile. Kushintshe, kwaba ngcono, ithuluzi engilincomayo ukuyisebenzisa — hhayi umqondo ongaphansi kwayo.
Uma ufunda incwadi namuhla, thatha engqondweni leyo software endala uyivalele nge-Cashfulness. Indlela iyafana ncamashi, isipiliyoni silula kakhulu kakhudlwana.
Isibonelo, ukukwenza kucace
Masenze isibonelo, ngezinombolo eziqanjiwe.
UGiulia wafunda incwadi eminyakeni embalwa edlule. Yayimjabulisile, waze wavula ngisho uhlelo lokugcinwa kwamabhuku kwilaptop yakhe wabhala amabhuku izinyanga ezimbalwa.
Bese kwathi inyanga eyodwa wayeqa. Bese ezimbili. Ekupheleni konyaka ifayela lalimile, futhi umqondo wokubuyisela esimweni izinyanga eziyisithupha zezinyakazo wawusube udonga.
Wayeyazi indlela. Kepha indlela, iyodwa, yayimsinda kakhulu.
Namuhla uGiulia ubhala izinyakazo lapho zenzeka, ngemizuzwana embalwa, ngefoni.
Akasenzi isamba semfuyo: usifunda sesenziwe. Inani lakhe lemfuwa esele — ake sithi ama-€84,000 — likhona njalo lapho evula i-app, libuyekeziwe, libalanisiwe.
Futhi lapho ebuka inhlanganisela yezimpahla zakhe, ubona into phambilini ayeyiqagela nje: ingxenye enkulu yemfuyo yakhe yenziwe yizinto ezimbizayo — imoto, ifenisha — futhi kuncane okwenziwe yizinto ezimenzela imali.
Akusilo iphuzu lokuhlolwa, akusiyo i-alamu. Kuwulwazi.
Lumtshela ukuthi angahamba kuliphi ibanga, ngokuthula, eminyakeni ezayo. Indlela yencwadi, ekugcineni, iphila yodwa — ngaphandle kokumcela njalo ngesonto umzamo wentando.
Yilokhu, ngomusho owodwa, indlela kusuka encwadini kuya ku-app: hhayi indlela ehlukile, indlela efanayo eyeka ukusinda.
Intambo ebophela ndawonye izinto zombili
Incwadi ne-app zisho into efanayo, zisuka emaphuzwini amabili ehlukene esikhathi.
Zombili zisuka emqondweni othi, kimi, uza ngaphambi kobuchwepheshe: imali iyithuluzi lokuthenga isikhathi nenkululeko — hhayi iphupho okufanele lijahwe, futhi hhayi isitha okufanele silwiwe naso.
I-double-entry bookkeeping, izimpahla ezikhiqizayo nezibizayo, inani lemfuwa esele: yizindlela zokucabanga ngemali kancane, hhayi kakhulu. Ukuze uyibeke ohlelweni, bese ubuyela ekuphileni.
Incwadi yabeka lo mcabango ephepheni.
I-Cashfulness izama ukuwenza ube yisenzo semizuzu embalwa ngesonto, esikhundleni somsebenzi oncike ekuzikhuzeni kwakho.
Uma uyifundile incwadi, lapha uthola umphefumulo wayo — nokukhuhlana kususiwe.
Uma ungayifundanga, akunandaba: i-app ikulethela ekhaya indlela efanayo, futhi incwadi isala lapho, kofuna ukuqonda kungani engemuva kwe-kanjani.
Uma ufuna ukujula ngendlela
Umcabango oyisisekelo se-Cashfulness ngawubeka phansi ngokucacile, eminyakeni edlule, encwadini: Strategie per la Finanza Personale. Iwumhlahlandlela osebenzayo nge-double-entry bookkeeping esetshenziswa emabhukwini asekhaya.
Gcina engqondweni into eyodwa lapho uyifunda: ithuluzi engilincoma kulawo makhasi namuhla ngilivalela nge-Cashfulness — indlela, nokho, iyafana ncamashi.
Incwadi iyatholakala ku-Amazon.
— Vittorio