Kukhona amagama amabili enza abantu babaleke ukwedlula wonke amanye, uma kukhulunywa ngemali.
I-Debit. Ne-Kredit.
Azwakala njengokuhlolwa okuhambe kabi. Njengephepha lomgcini wamabhuku ongafuni ukulifunda. Njengekholomu yezinombolo ezibomvu neyezinombolo ezimnyama, wena ungazi ukuthi ukuluphi uhlangothi.
Ngifuna ukukususa lokhu kwesaba manje, ngemigqa embalwa.
Ngoba i-debit ne-kredit azisho okulungile nokungalungile. Azisho ukuthi uyakweletwa noma uyakweleta. Azisho lutho oluhle noma olubi.
Angamalebula amabili nje. Izinhlangothi ezimbili zento eyodwa.
Futhi ukukuchazela wona angeke ngisebenzise ibhalansi yebhizinisi. Ngizosebenzisa ibhokisi lokonga.
Ibhokisi lokonga eceleni kombhede
Ake senze isibonelo esilula kunazo zonke emhlabeni.
Unamayero angu-50 € esikhwameni. Ekupheleni kosuku uthatha imali engu-20 € uyifake ebhokisini lokonga eliseceleni kombhede, lelo obeka kulo imali yohambo lwasehlobo.
Unemali engakanani, manje, sekukonke?
Isahlala ingamayero angu-50 €. Akukho okushintshile emfuyweni yakho. Ususe nje amayero angu-20 € esikhwameni esisodwa wawafaka kwesinye.
Kepha kwenzeke into eqondile: lawo mayero angu-20 € asukile endaweni ethile afika kwenye.
Aphumile esikhwameni. Angenile ebhokisini lokonga.
Nakhu-ke. Usanda kwenza, ungazi, umbhalo we-double-entry bookkeeping (ukubhalwa kwamabhuku kabili).
I-double-entry bookkeeping iyindlela yokubhala amabhuku endala ngaphezu kwamakhulu amahlanu eminyaka — incazelo yokuqala ehlelekile ngeyango-1494 — futhi yonke ilapha, kulo mgomo: njalo lapho imali inyakaza, akwanele ukuyibhala kanye. Uyibhala kabili. Isuke kuphi, ifike kuphi.
Ngakolunye uhlangothi ubhala ukuthi isikhwama sinamayero angu-20 € ngaphansi.
Ngakolunye ubhala ukuthi ibhokisi lokonga linamayero angu-20 € ngaphezulu.
Imibhalo emibili. Inyakazo eyodwa. Ibonwa ezinhlangothini ezimbili.
Futhi lapha kungena i-Debit ne-Kredit
Leyo mibhalo emibili inegama lobuchwepheshe.
Uhlangothi lapho imali ifika khona nohlangothi imali esuka kulo kubizwa, esikweni lokubhala amabhuku, ngokuthi i-debit ne-kredit.
Futhi manje kufika ingxenye engifuna isale kuwe.
I-debit ne-kredit akusiso isahlulelo ngenyakazo. Alukho uhlangothi "oluhle" nohlangothi "olubi". Alukho uhlangothi lapho unelungelo khona nohlangothi lapho uphambene khona.
Angamagama ajwayelekile nje ezinhlangothi ezimbili zombhalo ngamunye. Njengokuthi "kwesokunxele" no"kwesokudla", noma "ngaphezulu" no"ngaphansi". Amalebula endawo, hhayi amamaki.
Kangangokuthi igama elifanayo ngqo — "kredit" — alisho ukuthi "uyakweletwa" futhi alisho ukuthi "othile ukukweleta imali". Lisho kuphela ukuthi: lolu wuhlangothi imali ephume kulo kulo mbhalo.
Ngiyazi ukuthi uma ufunda kanje kubonakala kuyicebo lamagama. Kepha yileli phuzu kanye lapho cishe bonke bebambeka khona: bazama ukuhumusha "i-debit" ne-"kredit" ngomqondo wansuku zonke, bese belahleka. Ekubhalweni kwamabhuku lawo magama amabili anomqondo wobuchwepheshe owawo wodwa. Kwanele ukuwamukela kanye ukuze ungabe usawesaba.
Njengokuthi "kwesokudla" no"kwesokunxele" emkhunjini: emhlabathini kuyizinkomba nje ezimbili, olwandle kuba yi-starboard ne-port futhi kukhomba izinhlangothi ezimbili eziqondile zomkhumbi. Igama elijwayelekile elithi, emsebenzini othile, lithathe umqondo oqondile.
Ngakho, sibuyela ebhokisini lokonga:
Ibhokisi lokonga elamukela amayero angu-20 € liya kolunye uhlangothi.
Isikhwama esiwanikelayo siya kolunye.
Ukuthi yiluphi kulezi zimbili olubizwa ngokuthi i-debit futhi yiluphi i-kredit kuya ngohlobo lwe-akhawunti nangomthetho oqondile wokubhala amabhuku — futhi lena yinto, ngempela, okungadingeki uyifunde ngekhanda wena. Ngizokutshela ngaphambili ukuthi kungani.
Kungani kabili hhayi kanye
Kuleli phuzu umbuzo olungile ngothi: pho ngubani ongiphoqayo ukubhala into ngayinye kabili? Bekungelula yini ukubhala kuphela ukuthi "amayero angu-20 € ebhokisini lokonga" kuphele?
Kulula kakhulu, yebo. Kepha kuntekenteke kakhulu.
Ngoba ukubhala kabili kunomphumela ocishe ube yimilingo, futhi yiso isizathu sangempela sokuthi amabhizinisi angathi sina akwenze iminyaka engamakhulu ayisithupha.
Uma inyakazo ngayinye ihlala inezinhlangothi ezimbili ezilinganayo — amayero angu-20 € aphuma ngapha, amayero angu-20 € angena ngale — khona-ke, uma uhlanganisa konke okuphumile nakho konke okungenile kulo lonke ibhuku lakho, kufanele uthole inombolo efanayo ngempela.
Uma kuhambisana, konke kuhamba kahle.
Uma kungahambisani, kukhona lapho uphambanise khona — futhi ukwazi ngokushesha, ngaphandle kokuphinda uhlole ngekhanda inyanga nenyanga.
Lokhu kulingana kunegama: kubizwa ngokuthi ukubalanisa. Kuyinethi yokuphepha ye-double-entry bookkeeping. Yikho lokho, ku-app ebhala nje uhlu lwezindleko, okungekho nhlobo.
Ake ngenze isibonelo ukuze uzwe umehluko.
UMarco usebenzisa i-app ebhala kuphela okuphumayo. Ngenye inyanga ukhohlwa ukubhala isikhokhelo samayero angu-80 €. I-app ayikhonondi: bekuwuhlu, seluwuhlu olufushane. Iphutha liyanyamalala futhi akekho oke alibone.
Ku-double-entry bookkeeping leso sikhokhelo sinezinhlangothi ezimbili. Uma ubhala olulodwa kuphela, ama-akhawunti awasabalanisi. Futhi lokho kungalingani okuncane kuwukukhanya okukhanyayo: lapha kushoda okuthile.
Ukubalanisa yisizathu sokuthi imfuwa eyakhiwe kanje ibe yimfuwa yangempela, hhayi isilinganiso esinethemba eleqile. Ayivumeli lutho luwe — ngisho ikhofi lamayero angu-5.20 €, ngisho isikhokhelo samayero angu-80 € esasikuphunyukile.
Ukwesaba kwekholomu engalungile
Ake sibuyele umzuzwana ekwesabeni kwasekuqaleni, ngoba ngifuna ukukuvala ngokuphelele.
Iningi labantu elake lasha ngokubhalwa kwamabhuku lasha ngento eyodwa kuphela: ukwethuka kokubeka inani "ekholomini engalungile".
I-debit noma i-kredit? Uma ngiphambanisa uhlangothi?
Kuwukwesaba okunengqondo, uma kufanele ugcine amabhuku ngesandla erejisteni yephepha. Lapho uhlangothi olungalungile kuyiphutha langempela, okumele lifunwe lilungiswe.
Kepha yiyo kanye ingxenye yomsebenzi okungenangqondo ukuyethwesa wena ngo-2026.
Ukunquma ukuthi uhlangothi ngalunye lwenyakazo lugcina kuluphi uhlangothi — i-debit noma i-kredit — kungumthetho womshini, ohlala ufana nawo ngokwawo. Kuwuhlobo lwento ikhompyutha eyenza kahle kakhulu futhi ngaphandle kokuphambanisa nanini. Wena kufanele usho kuphela okwenzeke ngempela — kuphume amayero angu-20 € esikhwameni angena ebhokisini lokonga — bese ukubekwa okulungile ezinhlangothini ezimbili kubalwa ngaphansi.
KuCashfulness injini yokubhala amabhuku iyi-double-entry kanye ngenxa yalokhu: inyakazo ngayinye oyibhalayo ibhalwa ezinhlangothini zayo ezimbili, futhi lezo zinhlangothi ezimbili ziyazibalanisa zodwa. Kuwe kusala ingxenye yobuntu — kwenzekeni — hhayi ingxenye yomgcini wamabhuku — ngiyibhala kuyiphi ikholomu.
Futhi kukhona usizo lwesibili, olunomusa nakakhulu koqala kusuka ku-zero.
Awuphoqelekile ukusebenzisa lawo magama ngokushesha
Into eyayisenhliziyweni yami, ngakha uCashfulness, yilena: amagama angempela kufanele abe khona wonke, kepha akekho okufanele azizwe evalelwe ngaphandle ngoba engakawazi.
Ngakho oqalayo, futhi i-"Debit" ne-"Kredit" ezisamethusa kancane, angacabanga ngamagama ansuku zonke — okungenayo, okuphumayo, nalokho okududuzayo okuthi konke kuyahambisana lapho ama-akhawunti ebalanisa.
Amagama obuchwepheshe — i-debit, i-kredit, ukubalanisa — ahlala lapho ngaphansi, njalo, ngoba ayinjini. Kepha uwahlangabeza echaziwe, ngesikhathi esifanele, ngaphandle kokuthi wethweswe wona wonke kanyekanye ngosuku lokuqala.
Ngoba lona umbono wami oyisisekelo, futhi ngiwuphinda kaningi: ubulula abusho ukususa ingqikithi.
Ama-app "alula" adumile athola ubulula bawo ngokulahla izingcezu — izindleko ezincane, izinyakazo ezingakhululekile, ubucayi. Akunika isithombe esihlanzekile ngoba siyisithombe esingaphelele.
I-double-entry bookkeeping yenza okuphambene: igcina konke ngaphakathi, ikususele kuphela ukukhathala kokukuphatha ngesandla. Ingqikithi isala iphelele. Ngumsebenzi womgcini wamabhuku onyamalalayo.
Umjikelezo ophelele, ukuze ukugxilise
Ake siphinde inyakazo kusukela ekuqaleni, manje njengoba amagama engasethusi.
Unamayero angu-50 € esikhwameni.
Ususa amayero angu-20 € uwafaka ebhokisini lokonga.
Imali ivela kuphi: esikhwameni, manje esinamayero angu-20 € ngaphansi.
Imali iya kuphi: ebhokisini lokonga, manje elinamayero angu-20 € ngaphezulu.
Izinhlangothi ezimbili. Iqiniso elilodwa: imali yakho iyonke isahlala ingama-50 €, kepha manje wazi ncamashi ukuthi ikuphi.
Futhi uma kusasa uthatha lawo mayero angu-20 € ebhokisini lokonga uthenge ngawo uphethiloli, umjikelezo uyaphindeka: angu-20 aphuma ebhokisini lokonga, angu-20 aya ku-"ezokuthutha". Ivela kuphi, iya kuphi. Njalo izinhlangothi ezimbili.
Yenza lokhu enyakazweni ngayinye yempilo yakho yezimali — iholo elingenayo, irenti ephumayo, ukudlulisela imali, i-investment oyenzayo — bese ekugcineni ube nento iningi labantu elingakaze libe nayo: isithombe esibalanisayo, lapho kungashodi lutho futhi kungekho okuphindwe kabili ngephutha.
Kuleso sithombe kuzalwa indawo yakho yangempela — inani lakho konke okuphetheyo, kususwe konke okukweletayo. Ikhoodinethi oqala kuyo isinqumo ngasinye. (Ngakhuluma ngakho ngokugcwele lapha.)
Kepha leyo ngenye indaba, futhi namuhla bengidinga into eyodwa kuphela.
Ukususa kuwe ukwesaba amagama amabili.
I-debit ne-kredit akusiso isahlulelo. Kumane kuyi-ivela kuphi ne-iya kuphi. Ngazifunda ngebhokisi lokonga ngiseyinsizwa, futhi kusukela lapho azikaze zingethuse futhi.
Ngethemba ukuthi manje azisakwethusi nawe.
— Vittorio