Ukuqonda kwami kokuqala kwenzeka ngo-2010.
Ngase nginemuva leminyaka engamashumi amabili ezinsizakalweni zezimali, iziqu zomnotho, ukubhalisa ohlwini lwabeluleki bezezimali, futhi ngase ngisanda kuqala uhambo lwesibili lwemfundo yasenyuvesi kwi-psychology — lolo hambo olwaziyongiholela kwiziqu zeMasters, ekubhaliseni ku-Order of Psychologists, nakwi-Master in Behavioral Finance ngodumo.
Ngase ngifundile zonke izincwadi ngalesi sihloko ezazingafundwa.
Kodwa-ke, izikweletu zasekhaya lami, uma uzithatha ngokungathi sína, kwakuyisisi esimnyama.
Kwakungeyona indaba yemali: ngase nginokwanele ukuze ngizizwe ngiphephile.
Kwakuyindaba yebanga — phakathi kwalokho engangicabanga ukuthi nginakho nalokho ebenginakho ngempela, phakathi kwalokho okwakungena nyanga zonke nalokho okwakuphuma, phakathi kwezinqumo engangizithatha nemiphumela yazo ezinyangeni eziyisithupha kamuva.
Ngalowo nyaka ngahlangana ne-GNUCash, i-software yamahhala nesivulekile eyisebenzisa emalini yomuntu siqu i-double-entry accounting (i-double-entry) — indlela efanayo esetshenziswa amabhizinisi ukugcina izincwadi zawo eminyakeni engamakhulu ayisithupha.
Ngayilanda, ngayifaka, ngayivula.
Ngase ngiqonda.
I-double-entry accounting, isetshenziswa emalini yami siqu, yenza okuthile okungakaze kwenziwe yinoma iyiphi ikhompyutha ye-Excel noma i-app ye-tracking: yayihlukanisa phakathi kwalokho okukhiqiza inani nalokho okulidlaphaza, phakathi kwemali eyimali ngempela nokunyakaza kwe-accounting, phakathi kwengcebo esaqhubeka nokwakhiwa nengcebo encishisayo.
Ibanga, ekugcineni, lavaleka.
Kulokho engakuthola ngakha uhambo.
Ngavula i-psicologiafinanziaria.com, isayithi lapho ngangichaza khona indlela ukuqonda ngemali yakho okwakhiwa ngayo ngendlela, hhayi ngokukhanya okuvela kanjani.
Ngabhala incwadi, Strategie per la Finanza Personale, echaza ngendlela esebenzayo ukuthi i-double-entry accounting isetshenziswa kanjani ezimalini zomuntu siqu nezomndeni usebenzisa i-GNUCash. Iyatholakala ku-Amazon, futhi izobuyekezwa esikhathini esizayo ukuze ifake i-Cashfulness njengethuluzi — iningi lezimiso ozothola ku-app selikhona lapho.
Ngaqhubeka ngale ndlela iminyaka eyishumi nanhlanu.
Ku-GNUCash, kulesi sikhathi sonke, ngirekhode ukudlula izinhlelo ezingu-60,000.
Ezingu-60,000. Iholo ngalinye, i-bill ngayinye, i-dividend ngayinye, ukulungiswa kwendlu ngakunye.
Kungezona izigcawu: kwakungeyona i-obsession, kwakungenxa yokucacisa.
Kamuva, eminyakeni eyishumi nanhlanu ngemuva kwalokho, kwafika ukuqonda kwesibili.
Ngobunye ubusuku, lapho ekhaya sekwehla khona ukuthula, ngavula i-GNUCash njengoba ngase ngikwenzile izikhathi eziyizinkulungwane.
Ngase ngiqonda ukuthi indlela yayisalungile, kodwa ithuluzi lalingasenele — hhayi kimi, futhi ikakhulukazi hhayi kubantu ebengifisa ukubasiza baluhambe lolo hambo olufanayo.
Kwakushoda ukuthula okukuvumela ukuthi ubuke izinombolo ngaphandle kokuzizwa uyahlulelwa yizo.
Kwakushoda ulwazi olwalunobunzima kanye nokwamukelekayo ngesikhathi esisodwa.
I-Cashfulness yazalwa kulobo busuku besibili. Nasezinyangeni eziyishumi nanhlanu ezandulela.
Okwakungasebenzi kuma-app akhona
Ngazama konke.
Ama-app ezimali zomuntu siqu enganginifundile eminyakeni ngamunye ayewele emindenini emithathu, kungekho namunye owangenza ngakholwa.
Umndeni wokuqala yilowo wama-app alula ngokungajulile.
Lawo akwenza wehlukanise izindleko (“indawo yokudlela”, “ukuthenga”, “uphethiloli”) kanti ekupheleni kwenyanga akukhombisa igrafu elingumbhida.
Kufana nokuba nomshini wokulinganisa umzimba okutshela ukuthi unomkhuhlane, kodwa ongakwazi ukukutshela okufanele ukwenze uma unawo.
Ayalandelela, kodwa awakusizi ukuze uqonde.
Ikakhulukazi, awakaze ehlukanise impahla ekhiqiza imali nempahla ekhiqiza izindleko — umehluko obaluleke kakhulu kunoma ubani ofisa ukwakha ukuzimela ngezezimali.
Umndeni wesibili yilowo wama-app adala ukukhathazeka.
Lawo akhalisa i-alarm njalo lapho udlula ibhajethi, akucindezela ukuthi “u-optimize” konke, futhi asebenzise i-gamification (ukuguqula kube umdlalo) kokongwa kwakho ngamazinga, ama-badge (izimpawu), nezingqinamba zeviki nesonto.
Asebenzela phezu kokwesaba nokwenhloni.
Asebenza amaviki ambalwa, bese siwasusa ngoba asengeze ukukhathazeka esasesinako ngokwanele nakho.
Umndeni wesithathu yilowo wama-app ahamba phambili.
I-Excel yeziphrofeshinali enama-macro e-VBA, i-software ye-accounting yamabhizinisi amancane, izincwadi ezehliswe emabhukwini abaziyo abakhuluma ngokwabo kungathi bayinhlangano eyimfihlo.
Asebenza kahle uma sewuvele unemicabango ye-accounting nezindawo zamabusuku amathathu ngeviki ozinikela kuyo.
Kubantu abaningi awasebenzi.
Bekunendlela yesine, futhi ngeminyaka eyishumi nanhlanu ngase ngihamba kuyo.
GNUCash: indlela yesine engahamba kuyo iminyaka eyishumi nanhlanu
I-GNUCash iyi-software yamahhala nesivulekile, eyakhiwa yiqembu le-open source, elethela i-double-entry accounting kukhompyutha womuntu siqu.
Lapho ngiyithola ngo-2010, yaguqula indlela engangibuka ngayo izikweletu zami.
Yangihambisana iminyaka eyishumi nanhlanu, lapho ngirekhoda khona izinhlelo ezingaphezu kuka-60,000.
Ngikweleta i-GNUCash izinto ezine, futhi ngifuna ukuzisho ngokucacile ngaphambi kokuchaza ukuthi kungani ekugcineni nganquma ukwakha okunye.
Yanginika i-double-entry accounting yangempela, esetshenziselwa impilo yami yansuku zonke, hhayi kuphela eyamabhizinisi.
Ayikaze ithengise lutho kimi: akukho gamification, akukho paywall, akukho marketing enolaka.
Yagcina idatha yami ngaphansi kokulawula kwami, kukhompyutha lami, ngaphandle kwabathakazelisi.
Futhi yangivumela ukwakha uhambo lonke lwemfundo — isayithi i-psicologiafinanziaria.com — kuyo indlela eyayisebenza ngempela.
Kodwa-ke, ngemuva kweminyaka eyishumi nanhlanu nemigqa engu-60,000, ngaqonda ukuthi i-GNUCash ayikwazi ukuba yithuluzi lecala eliphephile lemali.
Hhayi ngenxa yephutha layo: ngenxa yemvelo yephrojekthi ngokwayo.
- Ukusethwa kokuqala kunzima. Kudingeka wakhe kusukela phansi ubuhlobo bezikweletu zakho, futhi ukukwenza lokhu kudingeka ukhulume kancane ulimi lwe-accounting (debit, credit, izikweletu zemali engenayo, izikweletu zezindleko, izikweletu ze-placeholder). Noma ubani oqala esukela ku-zero uyabambeka lapha.
- I-desktop-first. Ukuphila nemali yakho kusho nokuyirekhoda ngesikhathi umi olayini we-cashier, esitimeleni, endaweni yokudlela. I-GNUCash kuselula ayikho ngempela, futhi lokho kuyabonakala.
- Yenzelwe noma ubani osenayo umqondo we-accounting, hhayi ukusiza noma ubani okusadingeka akhe lowo mqondo. Umgudu wokufunda uyaqonga, futhi wedwa ulahleka kalula.
- Ayinawo umklamo owenzelwe ukuthula. Iyithuluzi elisebenzayo, elideski, lomuntu we-accounting ohlonziwe. Akuyona ikamelo elamukelayo lapho uhlala khona ngokuhlwa kweSonto nebhalansi yomndeni ivulekile.
- Ukubethela isiphetho kuya esiphethweni akuveli ngendabuko (native), futhi ukwabelana phakathi kwabantu ababili bomndeni ofanayo kudinga izinto ezinzima abaningi omndeni abangeke bazenze nanini.
- Futhi ikakhulukazi: awukho umgqa wemfundo ohlanganisa izinombolo nencazelo. I-GNUCash ikukhombisa i-double-entry accounting, kodwa ayikusizi ukubona ukuthi imali yakho iyakha ulutho noma iyaqedeka, ukuthi indlela ilungile, ukuthi indawo yakho ilapho ofisa khona.
Bengidinga okuthile okungcono kakhulu: okulula kakhudlwana, okusebenza ngempela kunoma yisiphi isimo sosuku, futhi ikakhulukazi okugxile kulokho okubalulekile — ukwakha kancane ukuzimela nokuqonda ngezimali.
Hhayi i-software ye-accounting elungiselelwe ikhaya, kodwa ithuluzi elazalelwa abantu, elakhiwe ngokuhlangana kokuthula nendlela ndawonye.
I-GNUCash iyaqhubeka iyiphrojekthi enkulu, futhi kunoma ubani otholayo inani kuyo ngincoma ukuthi aqhubeke eyisebenzisa.
I-Cashfulness ayiyibeki esikhundleni sayo: izama ukwenza okunye, komunye umuntu.
Uhlaka oluguqula konke
Kunomushwo engathi kimi ngobusuku bakhona, kanti namuhla ubhalwe kukhodi ye-Cashfulness:
Imali iyithuluzi lokuthenga isikhathi nenkululeko. Akulona iphupho okumele uliqophe, futhi akusiye isitha okumele silwe.
Lo mushwo uwumgogodla wemikhiqizo.
Imali njengothuluzi inemiphumela esebenzayo kukho konke.
Awulikhonzi (amaphupho engcebo elula athengisa izincwadi kodwa akwakhi lutho).
Awulishaya isitha (isiko elithi ukukhuluma ngemali kuwubudlwangudlwangu likugcina uphila ubumpofu isikhathi eside).
Uyayazi. Uyayibuka. Uyisebenzisa kulokho okudinga ngempela: isikhathi salokho okukuthandayo, inkululeko yokukhetha ukuthi ungayiphila kanjani, isikhala sezinsuku ezinzima.
Kulolo hlaka kwazalwa isimiso sesibili: ukuthula nendlela ndawonye.
Ukuthula wodwa akufundekele: akwanele “ukuhlala uzolile” ukuze wakhe ulutho.
Indlela yodwa iyacindezela: akwanele “ukugcina izikweletu kahle” ukuze uzizwe umuhle.
Ukuthula okudingeka kunoma ubani ophatha imali yakhe siqu ukuthula okuhambayo — okwalowo owazi akwenzayo nokuthi kungani.
Yilesi isithembiso segama lethu.
Cashfulness — inhlanganisela yamagama esiNgisi “cash” (imali) ne-“mindfulness” (ukuqaphela okuphelele): ukuqaphela okuzolile kwemali yakho siqu.
The calm side of money, icala eliphephile lemali.
Esakhile
I-double-entry accounting akuyona into eqanjwe i-Cashfulness.
Yilokho engangikusebenzisa iminyaka eyishumi nanhlanu ku-GNUCash, futhi yindlela efanayo esetshenziswa amabhizinisi kubhalansi yawo iminyaka engamakhulu ayisithupha.
Kuchazwe emigqeni emibili: ukunyakaza konke kwemali kurekhodwa kabili, kanye njengengenayo kanye njengephumayo, ezikweletini ezahlukene.
Lokhu kusho ukuthi izikweletu, uma uzigcina kahle, azikwazi ukona nakanye.
Uma zihambelana, zilungile. Uma zingahambelani, kunento okumele uyiqonde — futhi ukuyiqonda kukufundisa okuthile njalo.
I-double-entry accounting akuyona umsebenzi wobuchwepheshe ofihlwe ngaphansi kwehhavini.
Iyabonakala, ngendlela yokuthi ibumba indlela obuka ngayo izikweletu zakho.
Ikuvumela ukubona ngokucacile:
- impahla ekhiqizayo — lokho okusebenzayo kuwe (utshalomali olukhiqiza i-dividend, ifulethi elikupha irenti, isikhwama esikhulayo ngesikhathi)
- impahla yokusetshenziswa — lokho okusebenza wena kukho (imoto, izinsiza zasekhaya, izinto ozisebenzisayo ezikubiza ekugcinweni nasekunciphenifi kwenani)
- izikweletu — imalimboleko onayo
- inani lakho eliphelele (net worth) — umehluko phakathi kwalokho onakho nalokho okukweleta khona
Kusukela kulesikhathi lapho ku-Cashfulness ubona imali yakho yabelwe kulezi zigaba ezine, uyeka ukucabanga ngamazwi athi “kungena ngakanani nokuphuma ngakanani” bese uqala ukucabanga ngamazwi omkhondo.
Ingabe uyakha imali yakho ekhiqizayo, noma uyayidlaphaza?
Yiwo lowo umbuzo ofanele, futhi ekugcineni ungawuphendula.
Inhliziyo yekhasi eliyisisekelo ibizwa nge-mkhondo wesikebhe (punto nave).
Yinkulumo ethathwe ekuhambeni ngemikhumbi: umkhondo wesikebhe yilapho ukhona emephini ngesikhathi esithile.
Ku-Cashfulness, umkhondo wesikebhe yinani lakho eliphelele lamanje, elibuyekezwa njalo lapho ufaka inhlelo.
Ikuvumela ukubuka indlela bese ulungisa isiqhoqho ngesikhathi, ngaphambi kokuthi izikweletu zenyanga ezayo zikutshele.
Ngaphezu kwakho konke, kunesinqumo sobuchwepheshe esivikela lokho okuwukho.
Isebenza emazingeni amabili, ngoba amazinga amabili aphendula izidingo ezahlukene.
Ukubethela isiphetho kuya esiphethweni okuqinile kwamadokhumenti. Amadokhumenti oletha ngaphakathi kwe-Cashfulness — izitatimende zebhange, izinkontileka, ama-bill, izinqubomgomo zomshwalense — ayabethelwa kudivayisi yakho ngaphambi kokuba iwushiye, ngesikhiye owuwena wedwa onaso.
Akekho omunye ongakwazi ukuwafunda: hhayi thina esakhe i-app, hhayi noma ubani ophatha iseva, futhi hhayi noma yimuphi umhlaseli ozayo.
Icala elinye lehlangothi liyaqinisela: uma ulahlekelwa yiphasiwedi namagama okubuyisa angu-24, awukwazi nawe ukuwafunda futhi. Isikhiye siyisakho wedwa, futhi lokhu kusho ukuthi umthwalo wokusigcina nawo ngowakho.
Ukungabhalwa negama okuphelele kokunye konke. I-Cashfulness ayifisi ngisho nokwazi igama lakho. Uzosebenzisa isiteketiso (nickname).
Izikhala zakho ze-accounting — izikweletu zakho, izigaba zakho, izinhlelo zakho — zenzelwe ukuthi zingaqondakali kunoma ubani ongewena. Ngisho nakunoma ubani obenokufinyelela kuseva.
Yisinqumo esibiza kakhulu ekwakhiweni, kodwa ngaphandle kwaso “ukuthula nendlela” bekungaba isithembiso esingelutho.
I-Cashfulness yakhelwe bani
I-Cashfulness yenzelwe abantu abasindwe umkhumbi (naufragi).
Hhayi ngendlela embi, ngendlela yeqiniso.
Umuntu osindwe umkhumbi ngumuntu owake wazama.
Uke wavula i-Excel ngempelasonto, walanda elinye lawo ma-app anegamification, wafunda incwadi mayelana “nenkululeko yezimali”, wazama i-Kakebo izinyanga ezimbili.
Wagxumeka. Hhayi ngenxa yobuvila, hhayi ngenxa yobuwula.
Wagxumeka ngoba amathuluzi awazama ayengakhulumi ulimi lwakhe, noma ayengasihloniphi isikhathi sakhe, noma ayenganamukeli ukuhlakanipha kwakhe.
Umuzwa womuntu osindwe umkhumbi akusona inhloni.
Kuyincithakalo.
Ubelindele okuthile okungazange kufike.
I-Cashfulness iyi-skipper (unxusa) elethela umuntu osindwe umkhumbi endaweni yakhe siqu yokukhosela.
Ayimemezeli imiyalo kuye. Ayimthumeli ukuyokwenza i-master kwezezimali.
Iyamtshela: bheka, la ngamakhonco, leyo yindlela, amazwe olwandle ahamba kanjena. Masiwabuke ndawonye.
Ukuthula kuyahamba, ngoba itheku ufinyelela kulo ngokujikeleza (bordeggiare) — ngisho noma umoya ungaphephi ngokuqondile.
Ayenzelwe abaziyo — abaziyo sebenamathuluzi abo.
Ayenzelwe noma ubani ofuna i-app enonyawo lokudlala — akujabulisi, kubalulekile.
Yenzelwe noma ubani onabantu abamkhathalelayo, into afisa ukuyiqhubekisa — umndeni, izizukulwane, iphrojekthi, ushukela wentshiseko, ifa okufanele lakhiwe — nomqondo oqinile wokuthi ubefisa ukulala kangcono ebusuku ekwazi ukuthi uyaphi. Kunoma yisiphi isikhathi sokuphila.
Esingakuthembisi
Asithembisi ukuthi nge-Cashfulness uzokonga kakhulu.
Mhlawumbe yebo, mhlawumbe cha — kuzoncika ezinqumweni zakho, hhayi ku-app.
Asithembisi ukuthi uzoba nothile.
Ingcebo iyigama elingacacile futhi elinesisindo samasiko, futhi thina asithengisi amaphupho.
Asithembisi ukuthi impilo yakho yezezimali izojabulisa.
Izoba nokucaca okwengeziwe.
Ukucaca akuyona injabulo — kuyinto eqine kakhudlwana.
Sithembisa into eyodwa kuphela, futhi yincazelo yegama lethu: sizokusiza uletha ukuthula lapho kwakukhona ukudideka, nendlela lapho kwakukhona ukuzenzela.
Kusukela lapho izinqumo ngezakho, futhi izinqumo zakho ezenza umahluko.
I-Cashfulness iyithuluzi, hhayi umphumela.
Okulandelayo manje
Sivula i-Cashfulness ku-private beta kwiqembu elincane.
Hhayi ukwethulwa okukhulu, hhayi izinikelo ezinesikhathi esimisiwe, hhayi ukuphangisa okwakhelwe ngamabomu.
Ikamelo elincane lapho abasebenzisi bangempela abambalwa bengazama, basitshele ukuthi yini esebenzayo nokuthi yini edinga ukulungiswa, futhi babambe iqhaza ekukhuleni kwethuluzi esifisa ukuthi lihlale iminyaka.
Uma ufisa ukuba omunye wabantu bokuqala abalisebenzisayo, ungabhalisa ohlwini lokulinda ku-cashfulness.com/beta.
Futhi uma ufike lapha ngenxa yentokazi, siyeke sikunike lokhu kuphela: zama ukuzibuza, ngobunye ubusuku lapho ekhaya sekwehle ukuthula, ukuthi ukuphi emephini.
Hhayi ukuthi ubola kangakanani. Hhayi ukuthi uchitha kangakanani.
Ukuphi.
Yiwo lo mbuzo lapho i-Cashfulness iqala ukuba wusizo kuwe.
Uhambo oluhle.
— Vittorio