Kukhona umbuzo obaluleke kakhulu kunayo yonke eminye, kwezezimali zomuntu siqu.
Awusho "ngichithe malini kule nyanga".
Uthi: izinombolo engizibonayo ziyeziyami ngempela?
Ungabhalisa yonke inhlukelo ngokuzinikela unyaka wonke bese usugcina unekhono elingalungile kancane. Kwanele idebithi elikhohliwe, imali eyokusebenzisa ongazange uyilindele, ukudlulisa okubalwe kabili.
Umehluko omincane. Ngamunye engenangozi. Uma ehlanganiswa, wanele ukukwenza ukholelwe ukuthi unenani ongenalo.
I-reconciliation (ukuvumelaniswa) yisenzo esivala leyo mininingwane.
Yisikhathi lapho uthatha lokho okushiwo yi-Cashfulness bese ukuqhathanisa nalokho okushiwo umhlaba wangempela — ibhange, ikhadi, i-broker. Bese uqinisekisa ukuthi lokhu kubili kuyalingana.
Imizuzu eyishumi, kanye ngenyanga. Cishe njalo kuthule. Futhi uma kungathulile, indlela ikutshela kahle ukuthi kufanele ubheke kuphi.
Kusho ukuthini ukwenza i-reconciliation
Ukwenza i-reconciliation kusho ukuqhathanisa imithombo emibili okufanele isho into efanayo, futhi uqinisekise ukuthi iyisho ngempela.
Imithombo emibili yile:
Lokho okubhalisile ku-Cashfulness phakathi nenyanga — incwadi yakho, uhlobo lwakho lweqiniso.
Nalokho okushiwo umbhalo osemthethweni walowo ogcina imali yakho — istatimenti sebhange, isifinyezo sekhadi, umbiko we-broker.
Uma ekupheleni kwenyanga ibhalansi "ye-Akhawunti Yebhange" yakho ku-Cashfulness ingu-4,250 €, futhi istatimenti sebhange sithi 4,250 €, wenzé i-reconciliation. Izinombolo ziyalingana. Uqhubeka uthule.
Uma kunalokho istatimenti sithi 4,232 €, kukhona umehluko wama-18 €. Futhi lawo ma-18 € anomlando wawo. I-reconciliation isebenza ukuwuthola.
Yisenzo esifana ncamashi nalesi enza inkampani ekupheleni kwenyanga ngayinye, lapho umabhalisi-mabhuku "ehlola" ukunyakaza kwencwadi yamabhuku ngokumelene nesitatimenti sebhange. Icebo elifanayo, elilethwe ekhaya — ngaphandle kokulincipha amandla.
Kungani i-double-entry yenza konke lokhu kwenzeke
Nakhu inhliziyo yodaba.
Ku-app ebhalisa izindleko kuphela — "uchithe u-30 € esitolo esikhulu" — akukho lutho okufanele lwenziwe i-reconciliation. Kukhona uhlu lwezindleko, kuphela. Uma ukhohlwa olulodwa, luyanyamalala futhi akekho oke aphawule.
I-Cashfulness isebenza ngendlela ehlukile, ngoba injini engaphansi isekelwe ku-double-entry (ukubhalisa okuphindwe kabili): icebo lokubhalisa amabhuku elisetshenziswa amakhampani kusukela ngo-1494. Ukunyakaza konke kwemali kubhaliswa kabili, ohlangothini olubili oluqondisa ibhalansi — i-Debit ne-Kredit.
Igama elimayelana namagama la, ngoba esabisa ngaphezu kokuyokuthiwa. I-Debit ne-Kredit akuzona izikweletu. Akusho ukuthi unikeza okuthile othile noma othile ukweleta imali kuwe. Yizona nje amalebula ohlangothi lombili lombhalo ofanayo: iyuro nganye enyakazayo isuka kwenye indawo ifike kwenye, futhi ubhala kokubili.
Isibonelo. Uthola umholo wango-2,000 €.
Ku-app ejwayelekile: +2,000 €, kwaphela.
Ku-double-entry: 2,000 € kungena "e-Akhawunti Yebhange" (uhlangothi olulodwa) futhi 2,000 € ivela endaweni ethi "Umholo" (olunye uhlangothi). Imibhalo emibili yento eyodwa, ibhekwa ngezindlela ezimbili.
Umphumela ulula, futhi ushintsha yonke into. Uma uhlanganisa yonke i-Debit neyonke i-Kredit encwadini yakho, kufanele uthole inombolo efanayo ncamashi. Uma ilingana, konke kuhamba kahle. Uma kungenjalo, kukhona iphutha ndawana thize — futhi uyakwazi ngokushesha.
Le mfanelwano yangaphakathi ibizwa nge-ukulingana.
Futhi yileyo mfanelwano eyenza i-reconciliation ibe yinto engaphezu kwethemba nje. Ku-app olunohlu, "ukuhlola futhi" kusho ukuphinda ufunde ngamehlo bese uthemba ukuthi awekho ozidlulisile. Nge-double-entry, unebhalansi eyakhiwe ngokunyakaza ngamunye — futhi leyo bhalansi ungayiqhathanisa, umugqa ngomugqa, nombhalo wangaphandle.
Izinombolo zakho aziyantengi. Zisekelwe esakhiweni. I-reconciliation isikhathi lapho uqinisekisa ukuthi leso sakhiwo siyahambisana nomhlaba.
Umkhosi wemizuzu eyishumi
Ekupheleni kwenyanga — mina ngiwenza ngempelasonto lokugcina, ngokuthula, phambi kwekhompyutha — ngivula i-app yebhange le-inthanethi (ngesikhathi esidlule bekulindwa ukuthi ifike istatimenti sebhange esiphephayo, manje sesinawo wonke istatimenti ku-inthanethi), futhi i-Cashfulness iyaliqhathanisa nalokho okubhalisile.
Isenzo lulula. Ngichaza ukuthi lisebenza kanjani.
Okokuqala: ifika istatimenti, i-app izama ukulingana yodwana.
Uma unenani lebhalansi yestatimenti senyanga leyo, i-Cashfulness izama ukulinganisa izinombolo ngokuzenzakalelayo: ibeka imibhalo yakho eceleni kokunyakaza kwestatimenti bese ifuna ukulingana.
Okwesibili: uma konke kulingana, ivaleka yodwa.
Uma izinombolo zilingana, i-reconciliation ingavaleka ngokuzenzakalelayo. Leyo akhawunti isivunelanisiwe, usuqedile ngayo. Udlulela kwelandelayo — ikhadi, isikweletu esibekiwe, i-akhawunti ye-broker.
Okwesithathu: uma kungalingani, nguwe okhandla umehluko.
Uma ukulingana ngokuzenzakalelayo kungaphumeleli, kusekuwena: uyaqhathanisa istatimenti sebhange nemibhalo yakho ukuze uthole okushodayo. Lapha i-double-entry ikusiza ngempela. Umehluko akuyona imfihlakalo evamile: yinani eliqondile, futhi cishe njalo lihambisana nokunyakaza okukodwa noma okubili okuqondile. Uhlola ukunyakaza kwenyanga ufuna okushodayo, noma okweqile, noma okunenani elingalungile.
Uma ukuthola, uyakulungisa. Ibhalansi iphinde ilinganiswe. Futhi njengoba injini ku-double-entry, ukulungiswa kusakazeka kwazo kuze kufike endaweni yakho yesikhundla — ikhono liyabuyekezwa ngaphandle kokuthi kudingeke ubale ngesandla.
Izinyanga eziningi, ukulingana kuyahamba khona kokuqala. Kuyavaleka, udlulela kokunye.
Yizikhathi ezimbalwa lapho kungalingani lapho i-reconciliation izikhokhela yona.
Imehluko emincane, nokuyikufundisayo
Umehluko cishe awukaze ube inkinga enkulu. Cishe njalo ungenye yezinto ezimbalwa eziphindaphindekayo — futhi yileyo nayileyo ikufundisa okuthile ngemali yakho.
Izindleko zezinkonzo.
Ukudlulisa okusheshayo okubiza u-0,50 €. Ukukhipha ku-ATM yebhange elinye, u-2 €. Imali yenyanga yeakhawunti. Izindleko ezincane ibhange elizithatha ngokuzenzakalelayo futhi wena, ngenkathi uphila impilo yakho, ungazibhalisi.
Ekupheleni kwenyanga zivela njengomehluko. Uyazongeza, ibhalansi iyalingana. Futhi phakathi naleso sikhathi ubonile, kubhalwe, ukuthi lezo zinto ezibonakala ziyize ngokwazo zibiza malini ngonyaka. Amabhili ayishumi nambili, ukudlulisa okuncane, ukukhipha okuncane: kaningi kuyinani elifanele libhekwe.
Amakhonto ne-taxes.
I-taxi (i-stamp duty) eku-akhawunti nakuwakhawunti wesikweletu samasheya, efika kanye noma kabili ngonyaka futhi engekho okhumbula ngayo. Ukubanjwa okuncane enzuzweni. Zivela kustatimenti, hhayi encwadini yakho, kuze kwenziwe i-reconciliation.
Usuku lwenani ngokumelene nosuku lwentengiselwano.
Lokhu kufanele ukuchazwa, ngoba kudida wonke umuntu okokuqala.
Uma wenza intengiselwano, kukhona izinsuku ezimbili ezihilelekile. Usuku lwentengiselwano wusuku lapho intengiselwano yenzeka — lapho wenza ukudlulisa, lapho usebenzisa ikhadi. Usuku lwenani wusuku lapho leyo mali itholakala ngempela noma ibalwe ngempela yibhange ngenxa yenzuzo.
Kaningi ziyahlangana. Kodwa hhayi njalo. Ukudlulisa okwenza ngo-30 wenyanga kungaba nosuku lwenani ngo-2 wenyanga elandelayo.
Umphumela: uyayibhalisa ngoJuni, ibhange liyibale ngoJulayi. Osukwini olulodwa amabhalansi amabili awahlangani — hhayi ngoba wenzé iphutha, kodwa ngoba ubheka ukunyakaza okufanayo ngamakhalenda amabili ahlukene.
I-reconciliation ikufundisa ukuqonda lezi zimo ngamehlo. Akuzona amaphutha. Yindlela imali esebenza ngayo ngempela lapho idlulela isuka esandleni siye kwesinye.
Inzuzo edlula ekugcineni kwenyanga.
Inzuzo yeakhawunti yesikweletu ekhula usuku ngosuku kodwa ifakwe kanye, kwaba yikota noma ekupheleni konyaka. Izinyanga ezinengi awuyiboni, bese ifika kanye. Ngendlela efanayo, ukukhokha kwesikweletu kungaba nengxenye yenzuzo ewela phakathi kwezinyanga ezimbili.
Uma wenza i-reconciliation, lawo manani athola indawo yawo enyangeni efanele. Futhi wena, ngaphandle kokukufuna, wakha isithombe esithembekile sokuthi imali yakho ithola malini — nokuthi izikweletu zakho zibiza malini.
Akukho olwalezi zinto, ngalo lodwa, oluguqula impilo yakho. Kodwa yizona lezi izinto ama-app "alula" awashiya. Futhi ingcebo eyakhiwe ngokuzishaya indiva ingcebo eqamba amanga ngokusala — hhayi ngoba othile ekhwabanisa, kodwa ngoba kuhlale kukhona ingxenye eshodayo.
Ukulingana akushiyi lutho. Ngisho ikhofi le-5,20 €. Ngisho i-taxi eyamayuro ambalwa.
Okutholayo, ngempela
Asikusho ngesibonelo.
UMarco usebenzisa i-Cashfulness sekuyizinyanga ezine. Ubhalisa ngokungaguquki, futhi indawo yakhe yesikhundla ithi u-31,400 € wenani elingasele.
Ngobunye ubusuku ucabanga: kodwa kuyiqiniso yini?
Ngaphandle kwe-reconciliation, lowo mcabango uhlala lapho. Ukungaqiniseki okuncane engemuva. UMarco "ukholelwa" ukuthi unemali engu-31,400 €, kodwa empeleni akazi.
Nge-reconciliation, ngobunye ubusuku ekupheleni kwenyanga uMarco uthatha amastatimenti akhe — ibhange, ikhadi, isikweletu — bese uwaqhathanisa oyedwa ngoyedwa. Uthola ukudlulisa okubili okukhohliwe kanye ne-taxi eyodwa. Amayuro angu-19 sekunjalo. Uyawalungisa.
Manje indawo yakhe yesikhundla akuseyona ukulinganisela. Kuyiqiniso eliqinisekisiwe, elilingana kuze kufike kusenti nalokho okushiwo amabhange.
Umehluko phakathi kokuthi "ngikholelwa ukuthi nginemali engu-31,400 €" kanye "nginemali engu-31,400 €, eqinisekisiwe izolo" awulinganiswa ngamayuro.
Ulinganiswa nge-ukuthula.
Ngumehluko ofanayo okhona phakathi kokukhathazeka okungemuva nedatha engemuva: umcabango othi kodwa ingabe ama-akhawunti ami azolingana ngempela? uyayeka ukujikeleza, ngoba kanye ngenyanga umnika impendulo ecacile.
Lokhu, phakathi kwezinye izinto, kuthinta ngokuqondile ikhono lesine lendawo yesikhundla: igebe phakathi kwengcebo okholelwa ukuthi unayo nalena onayo ngempela — ikhono i-app engalibali esikhundleni sakho, kodwa lezo zenzo ezinjena zilibambe libe ngaphansi kokulawulwa. I-reconciliation ingenye yezindlela eziphathekayo zokuletha lelo gebe eduze nozero, inyanga ngenyanga.
Ukuligugulisa ibe ngumkhuba, hhayi umthwalo
Enye into yokugcina, ngoba ibaluleke ngaphezu kwendlela.
I-reconciliation isebenza kuphela uma uyenza ngokuvamile, futhi ukuvamile kuphila kuphela uma isenzo silokhu silula.
Ungalindi izinyanga eziyisithupha. Isikhathi esiningi esidlulayo, ukunyakaza okuningi okudinga ukuhlolwa futhi, kunzima kakhulu ukukhandla umehluko — futhi kwanda ukukusinda, kuze ukuyeke.
Kanye ngenyanga, kunalokho, imehluko iyimbalwa futhi isha. Usayikhumbula. Uyawalungisa ngemizuzu eyishumi bese uvala.
Yisisekelo esifanayo esisekela yonke i-Cashfulness: ukuzithoba akuveli emandleni okuzimisela, kuvela ekuhlelekeni. Ukuhleleka okuncane, okuphindwaphindwayo, okuzigcina ngokwako cishe uma sewukusungulile.
Futhi ezinyangeni lapho konke kulingana kokokuqala — okuyinqwaba — leyo mizuzu eyishumi akusona isikhathi esilahlekile.
Kuyisiqinisekiso sokuthi indlela iyaqhubeka. Ukuthi izinombolo ziyeziyakho ngempela. Ukuthi ikhono osuka kulo ngasinye sesinqumo sakho siqinile.
I-Cashfulness ayenzi i-reconciliation yama-akhawunti akho neqiniso esikhundleni sakho: lokho kuqhathanisa uyakwenza wena, ngoba imibhalo yangempela unayo wena kuphela. Lokho i-app ikunika kona incwadi elinganayo — isisekelo esihlelekile lapho lokho kuqhathaniswa kuba yindaba yemizuzu eyishumi, hhayi eyontambama yonke.
Okusalayo ukuthula kokwazi, futhi hhayi ukukholelwa kuphela.
— Vittorio