Irejista

Irejista ngokubheka kanye

Ukuvula Irejista kusuka ebha lohlangothi kukhombisa insiza yokuthengiselana yakamuva esikhaleni somsebenzi, ihlelwe kusukela kweyakamuva. Umugqa ngamunye ukhombisa usuku, incazelo, kanye nesamba senzosi.

Ibha engenhla ivumela ukuthi usesha ngokusekelwe encazelweni noma esamba: qala ukuthayipha bese uhlu luyahluzwa njengoba uthayipha. Ngasekudleni ngenhla, uzothola inkinobho Intengiselwano entsha, evula ifomu lokufaka.

Kwezinye izinhla, eduze kwencazelo, kuvela ilebula elincane: lisho ukuthi lowo mbhalo wenziwe uhlelo lokusebenza, hhayi wena. Uzolibona ezilinganisweni zotshalomali, ekwehleni kwenani, kumabhalansi okuvula, kuyimibhalo ephindaphindayo nakuzinhla ezivela ekungeniseni. Izinhla ezingenalo ilebula yilezo ozibhale ngesandla.

Ukudala intengiselwano entsha

Ifomu lokufaka likuhola inkambu ngenkambu. Khetha kuqala uhlobo lwensali: Imali engenayo, Izindleko, Ukudlulisa phakathi kwama-akhawunti akho, noma Okunye ezimweni ezikhethekile. Kususelwa ohlotsheni, uhlelo lokusebenza luphakamisa ama-akhawunti afanele ukuxhumana nawo.

Ngosuku unezindlela ezisheshayo (namuhla, izolo, kwayizolo) ngaphandle kwesikhethi sekhalenda, ngakho ukubhala izindleko zezinsuku ezimbalwa ezidlule kuthatha ukuthinta okukodwa.

1. Kusuka kuRejista, cindezela Intengiselwano entsha (noma inkinobho ye-plus ekhoneni elingezansi ngakwesokudla).
2. Khetha usuku ngezindlela ezisheshayo noma ekhalenda.
3. Khetha uhlobo: Imali engenayo, Izindleko, Ukudlulisa, noma Okunye.
4. Bhala incazelo, isibonelo Ukuthenga ukudla.
5. Faka isamba senzosi.
6. Khetha ama-akhawunti omthombo nomgomo: ezindlekweni, lokhu kusho i-akhawunti lapho imali iphuma khona kanye ne-akhawunti yezindleko eyingxenye yayo (njengokudla noma irenti).
7. Qinisekisa: insiza yokuthengiselana ivela ngokushesha kuRejista kanye namabhalansi ama-akhawunti abandakanyekile ayabuyekezwa.

Ukuqala ku-akhawunti

Ungavula futhi i-akhawunti kuthebhu ethi Ama-akhawunti bese udala insali ukusuka lapho: i-akhawunti isikhethiwe kakade, futhi lapho iya khona kuncike ekutheni iyiphi i-akhawunti. I-akhawunti okukuyo imali, njengekhadi noma imali esandleni, yiyona ekhokhayo noma eyamukelayo, futhi ihlala ikhona ngisho noma ushintsha uhlobo lwensali. I-akhawunti yezindleko noma yemali engenayo, njenge-Inthanethi nocingo, yona iya esigabeni, bese kusala ukuthi ukhethe i-akhawunti okhokha ngayo noma owamukela kuyo. Uma ukhethe okuthi Hlala lapha okulandelayo, ngemva kokulondoloza kuhlala uhlobo, usuku ne-akhawunti ekhokhile, futhi uma uqale ku-akhawunti yezindleko noma yemali engenayo, kuhlala nesigaba.

Ekhasini le-akhawunti, ngaphezu kohlu lwezinsali, kukhona nebha yokubhala umugqa ngemva komugqa, njengerejista ye-akhawunti ku-GnuCash. Ngenkathi ubhala incazelo, uhlelo lokusebenza lukuphakamisela izinsali esezenziwe kuleyo akhawunti: ukukhetha eyodwa kuzo kufaka incazelo, i-counter-entry nesamba sokugcina, esesikhethiwe ukuze ukwazi ukubhala phezu kwaso. Ne-counter-entry iyaqedelwa ngenkathi ubhala, futhi uma i-akhawunti ingekho, uhlelo lokusebenza luphakamisa ukuthi uyidale.

Ngemva kokulondoloza ibha iyasulwa kodwa igcina usuku, futhi ikhesa ibuyela encazelweni: uma ukopisha amarisidi angoLwesibili, usuku ulukhetha kanye kuphela. Usuku lubuyela kolwanamuhla uma uphuma ekhasini le-akhawunti bese ubuyela kulo. Ngensali enemigqa eminingi, inkinobho yefomu eligcwele ithatha konke osekubhalile ihambe nakho.

Ukubhalwa okuphindwe kabili (double-entry), ngaphandle kokukhathazeka

Uma ulondoloza insiza yokuthengiselana, i-Cashfulness idala okungenani izinyathelo ezimbili zokubhalwa kwezimali ezilinganisayo: isamba seDebhithi neKhredithi sihlala silingana nozero. Yilokhu okugcina amabhalansi akho, iBhalansi Shidi, kanye ne-Income Statement kuhambisana.

Ekusebenzeni, izindleko zinciphisa impahla (i-akhawunti yakho yansuku zonke, isibonelo) futhi zenyusa i-akhawunti yezindleko; ukudlulisela kudlulisela inani phakathi kwama-akhawunti akho amabili ngaphandle kokuthinta inani lakho elingasele. Wena ugcwalisa ifomu elilula, futhi uhlelo lokusebenza luqinisekisa ukunemba kokubhalwa kwezimali.

Izinsiza zokuthengiselana ngezinye izinhlobo zemali

Uma insali ihilela ama-akhawunti abanjwe ngezinhlobo ezahlukene zemali, i-akhawunti ngayinye ithola isamba ngohlobo lwayo lwemali: uhlelo lokusebenza luphakamisa izinga lokushintshanisa le-European Central Bank ngosuku lwensali futhi lukukhombise inani eliguquliwe ngaphambi kokulondoloza.

Uma isitatimende sasebhange sibonisa isamba esehlukile, isibonelo ngoba ibhange lisebenzise izinga lalo lokushintshanisa, khetha okuthi Okunye bese ubhala emgqeni we-akhawunti isamba esifike ngempela: izinga lokushintshanisa libalwa kabusha ngokuzenzakalelayo. Ngale ndlela i-akhawunti ngayinye ikhombisa imali yayo ngqo, futhi izamba zemibiko ziguqulelwa emalini eyinhloko yesikhala.

Ukuhlela, ukuphinda, nokubuyisa emgqonyeni wodoti

Umugqa ngamunye kuRejista, njengomugqa ngamunye ohlwini lwezinsali ekhasini le-akhawunti, uphetha ngenkinobho ethi ⋮: ivula imenyu enokuthi Hlela, I-Clone kanye no-Susa, ngaphandle kokuthi uvule umugqa. Kuthelefoni, imenyu efanayo ivuleka nangokucindezela isikhathi eside emugqeni. Inkinobho nemenyu kuyabonakala uma ungakwazi ukuhlela izinsali. I-Clone iyasiza ezinsalini eziphindaphindekayo, njengenkokhelo yesikweletu noma izindleko eziphindaphindekayo: idala ikhophi enosuku lwanamuhla, bese ushintsha kuphela okudingekayo. Izenzo ezifanayo zikhona nasemugqeni ovuliwe.

Izinsiza zokuthengiselana ezisusiwe azinyamalali ngokushesha: ziya emgqonyeni wodoti, lapho zisala zingabuyiswa. Kusuka lapho ungazibuyisela kuRejista noma uzisuse unomphela uma usunesiqiniseko sokuthi awusadingi zona.

Ukubhala izinsali isinyathelo ngesinyathelo

Ngezansi uthola izinsali ezenzeka kuwo wonke umuntu, eyodwa esigabeni ngasinye: umholo, izindleko ezikhokhwe ngekhadi lesikweletu, ukukhokha isitatimende sekhadi, ukudlulisela phakathi kwama-akhawunti akho, ukukhipha imali ku-ATM, isitolimende sebhondi kanye nembuyiselo yemali. Kuyo ngayinye uthola ukuthi kwenzekani ngamazwi alula, insali i-Cashfulness eyilondolozayo, umugqa ngomugqa, nezamba eziyisibonelo, kanye nezinyathelo kuhlelo lokusebenza. Abavela ku-GnuCash bathola lapha izinsali ezifanayo: okushintshayo yifomu kuphela ozibhala kulo.

Ukuze ufunde izinsali, umthetho owodwa wanele: izimpahla (i-akhawunti yansuku zonke, imali esandleni, i-akhawunti yokonga) nezindleko zikhula kuDebhithi; izikweletu (ikhadi lesikweletu, ibhondi) nemali engenayo kukhula kuKhredithi. Kuyo yonke insali isamba esikuDebhithi silingana nesamba esikuKhredithi, okusho ukuthi isamba semigqa yonke siyiziro.

Uhlala uqala kuNtengiselwano entsha kuRejista (ocingweni, inkinobho ye-plus ekhoneni elingezansi ngakwesokudla). Kumodi elula awukhethi uhlangothi: kuma-akhawunti amabili efomu, eyokuqala iya kuKhredithi bese eyesibili iya kuDebhithi. Ensalini enemigqa engaphezu kwemibili, njengesitolimende sebhondi, noma ukuze ukhethe wena uhlangothi, njengasembuyiselweni yemali, usebenzisa okuthi Okunye, okuvula imodi ethuthukile: lapho umugqa ngamunye une-akhawunti yawo, uhlangothi lwawo nenani lawo, futhi isifinyezo esingezansi esineSamba seDebhithi neSamba seKhredithi sikutshela ukuthi insali ilingana nini.

Isinyathelo ngesinyathelo: umholo ku-akhawunti yansuku zonke

Umholo ungena ku-akhawunti yansuku zonke: ibhalansi ye-akhawunti iyakhuphuka futhi, ngesikhathi esifanayo, ubhala imali engenayo. Uhlobo lwayo yiMali engenayo. Lapha kubhalwa umholo osele ngemva kokudonswa ongena ku-akhawunti; uma ufuna ukulandelela nezimali ezidonsiwe, udinga insali enemigqa eminingi ngokuthi Okunye.

Insali, nomholo ka-€2 150.00: I-akhawunti yansuku zonke €2 150.00 kuDebhithi (impahla iyakhula); Umholo €2 150.00 kuKhredithi (imali engenayo iyabhalwa). Isamba seDebhithi €2 150.00, Isamba seKhredithi €2 150.00: insali iyalingana.

1. Kusuka kuRejista, cindezela Intengiselwano entsha bese ukhetha usuku umholo ofike ngalo.
2. Njengohlobo, khetha Imali engenayo.
3. Bhala incazelo, isibonelo Umholo kaSeptemba, nenani: 2 150.00.
4. Ku-«I-akhawunti Yemali Engenayo» khetha Umholo; ku-«I-akhawunti Eyamukelayo» khetha i-akhawunti yansuku zonke.
5. Cindezela «Londoloza Okwenziwayo».

Isinyathelo ngesinyathelo: izindleko ngekhadi lesikweletu

Ukhokha isidlo sakusihlwa ngekhadi lesikweletu. I-akhawunti yansuku zonke okwamanje ayinyakazi: okukhulayo yisikweletu sakho ebhange elikunikeze ikhadi, okuthi ku-Cashfulness kube yi-akhawunti yohlobo lwesikweletu, futhi ubhala izindleko. Uhlobo lwayo yiZindleko, futhi ikhadi liyi-akhawunti imali ephuma kuyo.

Insali, nesidlo sakusihlwa sika-€64.50: Izindawo zokudlela €64.50 kuDebhithi (izindleko ziyabhalwa); Ikhadi lesikweletu €64.50 kuKhredithi (isikweletu siyakhula). Isamba seDebhithi €64.50, Isamba seKhredithi €64.50: insali iyalingana.

1. Kusuka kuRejista, cindezela Intengiselwano entsha bese ukhetha usuku lwezindleko.
2. Njengohlobo, khetha Izindleko.
3. Bhala incazelo, isibonelo Isidlo sakusihlwa endaweni ye-pizza, nenani: 64.50.
4. Ku-«I-Akhawunti Yomthombo» khetha ikhadi lesikweletu; ku-«I-akhawunti Yezindleko» khetha Izindawo zokudlela.
5. Cindezela «Londoloza Okwenziwayo».

Isinyathelo ngesinyathelo: ukukhokha isitatimende sekhadi lesikweletu

Ekupheleni kwenyanga ibhange lidonsa ku-akhawunti yansuku zonke isamba sesitatimende sekhadi. Akuzona izindleko ezintsha: izindleko usuzibhalile ngayinye ngayinye. I-akhawunti yansuku zonke iyehla futhi isikweletu sekhadi siyehla ngenani elifanayo, ngakho lokhu kunguKudlulisa phakathi kwama-akhawunti akho amabili.

Insali, nesitatimende sika-€412.30: Ikhadi lesikweletu €412.30 kuDebhithi (isikweletu siyehla); I-akhawunti yansuku zonke €412.30 kuKhredithi (impahla iyehla). Isamba seDebhithi €412.30, Isamba seKhredithi €412.30. Azikho izindleko: inani elingasele alishintshi.

1. Kusuka kuRejista, cindezela Intengiselwano entsha bese ukhetha usuku lokudonswa.
2. Njengohlobo, khetha Ukudlulisa.
3. Bhala incazelo, isibonelo Isitatimende sekhadi sikaSeptemba, nenani: 412.30.
4. Ku-«Kusuka ku-Akhawunti» khetha i-akhawunti yansuku zonke; ku-«Ku-Akhawunti» khetha ikhadi lesikweletu.
5. Cindezela «Londoloza Okwenziwayo».

Isinyathelo ngesinyathelo: ukudlulisela phakathi kwama-akhawunti akho amabili

Udlulisa imali isuka ku-akhawunti yansuku zonke iye ku-akhawunti yokonga. Isahlala ingeyakho: i-akhawunti eyodwa iyehla, enye iyakhuphuka, futhi inani elingasele alishintshi. Uhlobo lwayo nguKudlulisa.

Insali, nokudlulisela kuka-€5 000.00: I-akhawunti yokonga €5 000.00 kuDebhithi (impahla iyakhula); I-akhawunti yansuku zonke €5 000.00 kuKhredithi (impahla iyehla). Isamba seDebhithi €5 000.00, Isamba seKhredithi €5 000.00: insali iyalingana.

1. Kusuka kuRejista, cindezela Intengiselwano entsha bese ukhetha usuku lokudlulisela.
2. Njengohlobo, khetha Ukudlulisa.
3. Bhala incazelo, isibonelo Ukudlulisela ku-akhawunti yokonga, nenani: 5 000.00.
4. Ku-«Kusuka ku-Akhawunti» khetha i-akhawunti yansuku zonke; ku-«Ku-Akhawunti» khetha i-akhawunti yokonga.
5. Cindezela «Londoloza Okwenziwayo».

Isinyathelo ngesinyathelo: ukukhipha imali ku-ATM

Ukhipha imali ku-ATM: imali isuka ku-akhawunti yansuku zonke iye esikhwameni. Awukasebenzisi lutho, umane wadlulisa imali; izindleko uzozibhala lapho usebenzisa leyo mali. Uhlobo lwayo nguKudlulisa okuya ku-akhawunti yemali esandleni.

Insali, nokukhipha okungu-€200.00: Imali esandleni €200.00 kuDebhithi (impahla iyakhula); I-akhawunti yansuku zonke €200.00 kuKhredithi (impahla iyehla). Isamba seDebhithi €200.00, Isamba seKhredithi €200.00: insali iyalingana.

1. Kusuka kuRejista, cindezela Intengiselwano entsha bese ukhetha usuku lokukhipha.
2. Njengohlobo, khetha Ukudlulisa.
3. Bhala incazelo, isibonelo Ukukhipha ku-ATM, nenani: 200.00.
4. Ku-«Kusuka ku-Akhawunti» khetha i-akhawunti yansuku zonke; ku-«Ku-Akhawunti» khetha Imali esandleni.
5. Cindezela «Londoloza Okwenziwayo».

Isinyathelo ngesinyathelo: isitolimende sebhondi

Ibhange lidonsa isitolimende sebhondi ku-akhawunti yansuku zonke. Isitolimende sinezingxenye ezimbili: ingxenye yemali ebolekiwe, ebuyisela ingxenye yemalimboleko futhi yehlise isikweletu, nengxenye yenzalo, eyintengo yemalimboleko, okusho ukuthi izindleko. Lezi zingxenye ezimbili uzithola ohlelweni lokukhokha lwebhange. Ama-akhawunti amathathu, ngakho imigqa emithathu: kusetshenziswa okuthi Okunye. Ukubhala sonke isitolimende njengokudlulisela ebhondini kungehlisa isikweletu ngokushesha kunokweqiniso futhi kufihle inzalo, eyizindleko.

Insali, nesitolimende sika-€780.00 okukuso u-€520.00 kuyimali ebolekiwe no-€260.00 kuyinzalo: Ibhondi €520.00 kuDebhithi (isikweletu siyehla); Inzalo ekhokhwayo €260.00 kuDebhithi (izindleko ziyabhalwa); I-akhawunti yansuku zonke €780.00 kuKhredithi (impahla iyehla). Isamba seDebhithi €780.00, Isamba seKhredithi €780.00: insali iyalingana.

1. Kusuka kuRejista, cindezela Intengiselwano entsha, khetha usuku lokudonswa bese njengohlobo ukhetha Okunye: ifomu lishintshela kumodi ethuthukile, enemigqa yokubalwa kwezimali.
2. Bhala incazelo, isibonelo Isitolimende sebhondi sikaSeptemba.
3. Umugqa wokuqala: khetha i-akhawunti yansuku zonke, khetha Ikhredithi bese ubhala 780.00.
4. Umugqa wesibili: khetha Ibhondi, shiya Idebhithi bese ulungisa inani eliphakanyisiwe libe ngu-520.00; emugqeni uhlelo lokusebenza lubhala «isikweletu: isikweletu siyehla».
5. Umugqa wesithathu: uma uhlelo lokusebenza lungakawengezi nenani elishodayo, cindezela «Engeza umugqa». Khetha Inzalo ekhokhwayo, kuDebhithi, 260.00.
6. Uma ngezansi Isamba seDebhithi neSamba seKhredithi kokubili kungu-€780.00 futhi kuvela «Idebhithi = Ikhredithi · kuyalingana», cindezela «Gcina ukungena».

Isinyathelo ngesinyathelo: imbuyiselo yemali yezindleko

Ubuyisela izicathulo bese isitolo sikubuyisela u-€39.90 ku-akhawunti yansuku zonke. Lokhu akuyona inzuzo: yizindleko zangaphambili ezikhanselwayo. Yingakho imbuyiselo ingabhalwa njengeMali engenayo, engayibala phakathi kwemali engenayo, kodwa njengokuhoxiswa kwezindleko, ngokuthi Okunye nemigqa emibili.

Insali, nembuyiselo ka-€39.90: I-akhawunti yansuku zonke €39.90 kuDebhithi (impahla iyakhula); Izingubo €39.90 kuKhredithi (izindleko ziyahoxiswa). Isamba seDebhithi €39.90, Isamba seKhredithi €39.90. Ku-Income Statement izindleko zezingubo zehla ngo-€39.90.

1. Kusuka kuRejista, cindezela Intengiselwano entsha, khetha usuku imali ebuyiselwe ngalo bese njengohlobo ukhetha Okunye.
2. Bhala incazelo, isibonelo Imbuyiselo yezicathulo ezibuyiselwe.
3. Umugqa wokuqala: khetha i-akhawunti yansuku zonke, khetha Idebhithi bese ubhala 39.90.
4. Umugqa wesibili: khetha Izingubo; uhlelo lokusebenza seluphakamisa u-39.90 kuKhredithi, futhi emugqeni kuvela «izindleko: ukuhoxiswa».
5. Uma ngezansi kuvela «Idebhithi = Ikhredithi · kuyalingana», cindezela «Gcina ukungena».

Izimo zempilo yangempela, emigqeni emithathu

Izinsali ezingenhla yizona ozenza njalo ngenyanga. Bese kuba nezimo ezincane zalo lonke usuku, lezo ezikwenza uzibuze “futhi lokhu ngikubeka kuphi?”. Ngezansi uzothola ezivame kakhulu, eziqoqwe emibuzweni yabasebenzisa i-app, ngayinye emigqeni emithathu: isimo, ama-akhawunti ahambayo, nokuthi kungani. Umthetho oziboshelayo ungomunye kuphela: imali yakho ayilahleki neze, ishintsha kuphela indawo, futhi izindleko yilokho okuphume kuze kube phakade.

Imali ekhokhelwe kusengaphambili umngani. Ukhokhele i-oda lomngani wakho wesifazane, uzokubuyisela imali ngemali esandleni futhi uzoyifaka ebhange. Ama-akhawunti: uma ukhokha, kuDebhithi i-akhawunti ethi Izimali ezitholakala kubangani (impahla, yohlobo lokuthi Kuyatholwa, oyidala kanye kuphela), kuKhredithi I-akhawunti yansuku zonke noma ikhadi. Uma ekubuyisela imali, kuDebhithi Imali esandleni, kuKhredithi Izimali ezitholakala kubangani. Uma uyifaka ebhange, kuDebhithi I-akhawunti yansuku zonke, kuKhredithi Imali esandleni. Kungani: awusebenzisanga lutho, uboleke. Imali etholakala iyingxenye yengcebo yakho njengemali esandleni, futhi kuze kube yilapho ayibuyisela, uyibona lapho, ilindile.

Imali eqoqiwe ku-Satispay, noma esikhwameni se-elekthronikhi. Ubeka eceleni ama-euro ambalwa ku-Satispay, PayPal noma i-app efanayo, futhi awazi ukuthi uyawabala yini. Ama-akhawunti: dala i-akhawunti ethi Satispay phakathi kwezimpahla, njenge-akhawunti yansuku zonke (yohlobo lokuthi Ikhadi Elikhokhiwe Ngaphambili noma Imali). Ukuyigcwalisa kungukudlulisela: kuDebhithi Satispay, kuKhredithi I-akhawunti yansuku zonke. Ukukhokha nge-Satispay yindleko ejwayelekile: kuDebhithi izindleko, kuKhredithi Satispay. Kungani: leyo mali isayiyakho futhi ungayikhipha: ayiyona indleko, imane isendaweni eyahlukile. Kuyinani elingasele uyibona, futhi ubona nokuthi kusele malini.

Inzalo yamasenti ambalwa. I-akhawunti yediphozithi, noma i-Satispay, ikufakela inzalo encane kakhulu. Ama-akhawunti: ngosuku obona ngalo ifakiwe, kuDebhithi i-akhawunti ekwamukelayo, kuKhredithi imali engenayo yohlobo lokuthi Inzalo Engenayo (phakathi kwemali engenayo engasebenzi). Kungani: inzalo iyimali engenayo yangempela, ngisho noma ifanele 0.01 kuphela. Akukho lutho “olubuyekezwayo”: ubhala lokho okufikile, lapho kufika. Uma ngempela kuyimali encane kakhulu, ungabhala ukufakwa kanye ngonyaka, ngesamba.

Ukwelashwa okukhokhwa ngezigaba ngaphandle kwenzalo, nge-PayPal noma okufanayo. Udokotela wamazinyo ukhokhwa ngokuphelele ngosuku lokwelashwa, kodwa wena ukhokha i-PayPal ngezigaba ezintathu. Ama-akhawunti: ngosuku lokwelashwa, kuDebhithi Izindleko zezempilo ngenani lonke, kuKhredithi i-akhawunti ethi Isikweletu ku-PayPal (isikweletu sesikhathi esifushane, oyidala kanye kuphela). Esigabeni ngasinye, kuDebhithi Isikweletu ku-PayPal, kuKhredithi I-akhawunti yansuku zonke. Kungani: irisidi ithi “kukhokhiwe” ngoba i-PayPal ikhokhele wena, futhi kusukela kuleso sikhathi uyayikweleta leyo mali. Ezinyangeni ezintathu ezo imali isekuyi-akhawunti yakho, kodwa kukhona isikweletu esilinganayo: inani elingasele selilungile kusukela osukwini lokuqala.

Amavawusha okuncishiswa kwentengo esitolo esikhulu. “Ama-euro angu-5 njalo ngama-30 okuthenga okulandelayo”: ingabe angcebo? Ama-akhawunti: awekho, kuze kube yilapho wawasebenzisa. Uma uwasebenzisa, ubhala indleko ngalokho okukhokhe ngempela, okungukuthi irisidi kususwe isaphulo. Kungani: ivawusha enemibandela ayikwazi ukukhishwa noma ukusetshenziswa kwenye indawo: akuyona ingcebo, kuyintengo ephansi ngesinye isikhathi. Ukuyibhala kusenesikhathi kungaba ukubala imali ongase ungayisebenzisi neze.

Ivawusha yokubuyisa. Ubuyise into oyithengele iphutha futhi isitolo, esikhundleni semali, sakunika ivawusha. Ama-akhawunti: ngosuku lokubuyisa, kuDebhithi i-akhawunti ethi Izimali ezitholakala ezitolo (impahla, yohlobo lokuthi Kuyatholwa), kuKhredithi indleko efanayo nokuthenga, ngaleyo ndlela iyabuyiselwa emuva. Uma usebenzisa ivawusha, kuDebhithi indleko yalokho okuthengayo, kuKhredithi Izimali ezitholakala ezitolo. Kungani: akuyona imali engenayo, ngoba akekho okunike imali entsha: yindleko ebuyayo futhi ihlala ibekwe eceleni emalini etholakalayo kuze kube yilapho uphinda uyisebenzisa.

Amarisidi: kufanele afakwe njalo kusihlwa? Cha. Ama-akhawunti: ezindleko, uma ewabhala. Kungani: isivinini usikhetha wena, futhi kanye ngesonto kwanele, inqobo nje uma ukunyakaza ngakunye kungena kanye kuphela. Uma ukhokha ngekhadi ungabhala usebenzisa isitatimende, esivele sinakho konke ngokulandelana; uma ukhokha ngemali esandleni, uyabhala usebenzisa ibha esheshayo ye-akhawunti ethi Imali esandleni. Isithombe serisidi usinamathisela kuphela uma sidingeka ngempela, isibonelo ngewaranti noma indleko ekhishwayo entelweni (bheka isigaba esimayelana nezinamathiselo).