Amathuluzi

Amadokhumenti

Amadokhumenti ligugu lesikhala sakho sokubalisa: lapha ulayisha izimvume, izinkontileka namanye amafayela futhi uwanamathisele ekuthengiselaneni noma uwagcina ezingeni lesikhala. Amathebhu amathathu ahlela ukuhamba komsebenzi: «Ibhokisi lokungenayo» yamafayela asanda kufika futhi asadinga ukuhlelwa, «Konke» yeqoqo eliphelele, «Kufakwe kungobo yomlando» yalokho okubeke eceleni.

Ungahlunga ngohlobo lwedokhumenti nangesikhathi, noma uhlukanise kuphela amadokhumenti entela ngesihlungi esikhethekile. Phansi ekhasini, ibha yokuphathwa kwesikhala ibonisa amadokhumenti amangaki owalayishile nokuthi usebenzisa isikhala esingakanani sokugcina; kusukela lapho uvula nokuphathwa kwesikhala.

Ekhompyutheni, “Layisha idokhumenti” phezulu kwesokudla livula ngokuqondile ukukhetha ifayela. Efonini inkinobho ithi + ngezansi, futhi inikeza izindlela ezintathu: “Thatha isithombe”, “Layisha kusuka kugalari” kanye “Layisha ifayela”.

Amadokhumenti avikelwe ngokubethela ukusuka ekugcineni kuya ekugcineni: okokuqala, i-wizard ikuholela ekwakheni ikhodi yamadokhumenti eqondene nawo kanye noKhiye Wokubuyisela wamagama angu-24. Uma ukubethela kuvuliwe, ungawabuka futhi amagama angu-24 noma nini: thepha ingidi phezulu ekhasini lamadokhumenti bese ukhetha "Bonisa uKhiye Wokubuyisela".

Uma ukhohlwa ikhodi yamadokhumenti, ngoKhiye Wokubuyisela usetha entsha. Uma ulahlekelwa yikho kokubili, akekho osengakwazi ukubuyisa amadokhumenti abethelwe — ngisho nathi: yiyo kanye leyo vikelo evimbela wonke omunye umuntu. Ukuze uqale kabusha, ewindini lokuvula kukhona "Ngilahlekelwe yikhodi yamadokhumenti kanye noKhiye Wokubuyisela": likutshela isimo njengoba sinjalo, lisusa amadokhumenti angasafundeki bese likuholela ekwakheni imininingwane yokungena emisha.

Ngaphambi kokususa konke, hlola amanye amadivayisi akho: uma kwenye yawo amadokhumenti esavuleka ngaphandle kokucelwa ikhodi yamadokhumenti, ukhiye usekhona lapho. Vula "Bonisa uKhiye Wokubuyisela" kuleyo divayisi bese ulondoloza amagama angu-24 — awulahlekelwanga yilutho. Ungaphumi ku-akhawunti kuleyo divayisi ungakawalondolozi.

1. Vula Amadokhumenti esigabeni Amathuluzi kubha yohlangothi.
2. Cindezela Layisha idokhumenti ngenhla kwesokudla bese ukhetha ifayela kwidivayisi yakho.
3. Nikeza uhlobo kudokhumenti futhi, uma uthanda, uxhume nokuthengiselana kuRejista.
4. Thola futhi ifayela usebenzisa amathebhu «Ibhokisi lokungenayo», «Konke» no-«Kufakwe kungobo yomlando» noma izihlungi zohlobo nesikhathi.

Okubhaliselwe namabhili ezinsiza

Okubhaliselwe namabhili ezinsiza kuwuhlu lwezinkontileka zakho: okubhaliselwe, amabhili ezinsiza zasekhaya kanye nemishwalense. Kwinkontileka ngayinye ubhala umhlinzeki, ukuthi ulindele ukukhokha malini futhi kangaki, usuku lokuphela kanye nezinsuku zesaziso ezidingekayo zokukhansela; kumabhili ezinsiza kukhona nendawo yekhodi yekhasimende neyekhodi yokuhlinzekwa, njenge-POD kagesi noma i-PDR yegesi e-Italy. Ngenhla ekhasini ubona ukuthi zonke zibiza malini zihlangene, ngenyanga nangonyaka, kanye nezinkontileka esezizophela, nosuku lokugcina ongasakhansela ngalo.

Ingxenye ngayinye ithi ngaphansi kwesihloko sayo ukuthi iqukethe ini. «Okumele kunqunywe manje» akusona isimo esihlukile: lezi izinkontileka ezisebenzayo noma ezikhanselwayo osuku lwazo lokugcina selusondele, ziphakanyiselwe phezulu ukuze zingalahleki phansi. Ezisebenzayo ziyaqhubeka, futhi isamba senziwa ngazo. Ezikhanselwayo sezikhanseliwe kodwa azikapheli: ukhokha kuze kufike usuku lokugcina, ngakho zisabalwa. Lezo ezisesigabeni «Osekuphelile» azisadli lutho futhi zisele ngaphandle kwesamba; zisohlwini njengomlando kuphela. Futhi inkontileka evaliwe ingavulwa futhi: ekhadini layo, eduze kwenkinobho ethi Qeda inkontileka, kukhona i-Vuselela, ebuyisela phakathi kwezisebenzayo futhi isule ukukhanselwa kanye nosuku lokuphela kwensizakalo. Uma kunomsebenzi ophindaphindayo oxhunyiwe, uhlelo lokusebenza luyabuza ukuthi luwuvule nawo yini, futhi ibhokisi liqala lingenalutho.

Ingxenye yohlu isivele yenziwa yi-app: isigaba Okutholakele ezindlekweni zakho sibuka ukuthengiselana kwakho bese siphakamisa izindleko ezibuya ngesigqi esibonakalayo, nefomu eseligcwalisiwe. Iziphakamiso nje lezi: zibalwa kuphela uma uziqinisekisa. Inkontileka ingaba nokuthengiselana kwayo okuphindaphindekayo okuxhunyiwe, futhi kuleso simo uyibona ezindaweni ezimbili: lapha njengenkontileka, phakathi kokuphindaphindekayo njengomthetho. Kuhlosiwe lokho, kuyimibono emibili yento eyodwa; uma ukhansela, i-app ikubuza ukuthi imise yini nokuphindaphindekayo.

Lesi sigaba asilokothi sibhale emabhukwini akho: ukubhalwa kuhlala kungokokuthengiselana nokokuphindaphindekayo, kanti inkontileka ihlala ngaphezulu futhi ikutshela ukuthi ibiza malini nokuthi ungaphuma nini kuyo. Uhlu lungabukwa nganoma yiluphi uhlelo; ukubhala, ukushintsha nokukhansela izinkontileka kuyingxenye yezinhlelo ezikhokhelwayo.

Lapha kungena okuningi kunalokho isihlokwana esikwazi ukukubala: ukusakaza, ifoni ne-inthanethi, ugesi, igesi namanzi, ijimu, isofthiwe yokubhalisa, izindleko zesakhiwo, kanye nomshwalense nezindleko zemoto. Umshwalense unohlobo lwawo, nendawo yenombolo yepholisi, futhi intela yemoto ifanele kahle ohlotsheni oluthi Okunye. Umbuzo akusiyo ukuthi iluphi uhlobo lwendleko, kodwa ukuthi ngabe kukhona okuzivuselelayo yini nokuthi ngabe kukhona usuku okumele unqume ngaphambi kwalo ukuthi uyakugcina yini.

Umugqa ngamunye usho ukuthi ubani obhala okufakiwe: eduze kohlobo nomhlinzeki uzobona «Kubhalwa ngokuzenzakalela», uma kunomthetho ophindaphindayo osebenzayo oxhunyiwe okuphakamisela ukubhala ngosuku lokukhokha, noma «Ukubhala wena», uma lokho kubhalwa kuncike kuwe. Kwesesibili, usuku olubonayo alushukumi lodwa: luhlala lapho ulubeke khona. Ukugcina inkontileka njengesikhumbuzo nje kulungile nokulungile — ikutshela ukuthi ibiza malini nokuthi ungayikhansela kuze kube nini — kodwa kuhle ukwazi ukuthi yiliphi iliphi.

«Cha» esiphakamisweni uyakhunjulwa: umugqa udlulela ku-«Okulahliwe», lapho «Buyisela» uwubuyisa khona. Usebenza inqobo nje uma leyo akhawunti iziphatha ngendlela efanayo — uma inani noma isikhathi sishintsha ubuya wodwa eziphakamisweni — futhi usebenza endaweni yezincwadi, hhayi kuwe kuphela.

Ngezansi kwesikrini kungavela iphaneli yozakwethu, isibonelo isevisi eqhathanisa okunikezwayo kukagesi negesi. Phezulu kuyo kuhlale kubhaliwe ukuthi okuqukethwe okwenziwe ngokubambisana, futhi inkinobho ethi «Kungani ubona lokhu?» ichaza okunye: yisixhumanisi sokubambisana, uma uvula okunikezwayo inkampani ekhangisa i-Cashfulness ingathola ikhomishini, futhi intengo yakho ayishintshi. Ayikho idatha yakho efika kozakwethu. Iphaneli ivela kuphela emazweni lapho okunikezwayo kukhona. Iphaneli efanayo ingavela nasemininingwaneni ye-akhawunti yezindleko yebhili, ngaphezu kwezinsali: lapho uyivala nge-X, futhi ayisabuyi kuleyo akhawunti kule divayisi.

Izinsuku zokukhokha

Izinsuku zokukhokha ziqoqa izinto omunye umuntu akuthumelela zona nokumele zikhokhwe ngaphambi kosuku oluthile: intela yendlu, inhlawulo, izindleko zesakhiwo. Lezi akuzona izenzo eziphindaphindayo, ngoba lezo ziyisibikezelo, futhi akuzona izinkontileka, ngoba lezo ziwubudlelwano obuqhubekayo. Lezi yizibopho ezivela ngaphandle: inani selibhaliwe esazisweni, futhi uma usuku ludlula kubalwa inzalo yokulibala. Ukubhala olulodwa kudinga izinto ezintathu kuphela: kubhekiswe kubani, malini, nokuthi kuze kube nini.

Usuku ngalunye lunenani lalo lezinsuku zesexwayiso, eziyisikhombisa ekuqaleni, futhi kusukela ngalolo suku kufika isikhumbuzo edivayisini yakho ngo-9 ekuseni. Uma usuku ludlula futhi usuku lokukhokha lusavuliwe, isikhumbuzo siyaqhubeka sifika njalo ekuseni kuze kube ulunika enye yezimpendulo ezintathu. Eceleni kwezikhala kunendawo yenombolo yesaziso, i-akhawunti yalowo okukhokhelwa yena, isayithi lapho kukhokhwa khona, neziqondiso ezikhululekile; kodwa ukunamathisela isaziso ngokwaso kubaluleke kakhulu kunakho konke lokhu, ngoba izinombolo nefomu sekushicilelwe kuso. Ifoni igcina izikhumbuzo zenyanga ezayo zihleliwe kuzo zonke izikhala zakho zokubalwa kwezimali ndawonye, futhi leso sikhathi siqhubekela phambili ngokwaso njalo uma uvula uhlelo: uma ungaluvuli isikhathi esingaphezu kwenyanga, izikhumbuzo ezingaphezu kwaso azifiki. Uma uphuma ku-akhawunti, ziyasulwa.

Uma uthinta inkinobho ethi «Ngisanda kukhokha», uhlelo lubuza ukuthi ukhokhe ngani, ukwenze nini ngempela, nokuthi kuphume malini — futhi umbhalo womthetho wokubhala kabili uzalwa ngaleso sikhathi kuphela. Usuku olungena embhalweni wusuku lokukhokha, hhayi usuku lokugcina: ibhili elifika ngomhla wama-31 likhokhwe ngomhla wesi-2 liyizindleko zenyanga elandelayo. Ngokushesha ngemva kwalokho, uhlelo luyakunikeza ithuba lokubhala olulandelayo, konke sekugcwalisiwe ngaphandle kosuku. Eceleni kukhona ezinye izimpendulo ezimbili, futhi azibhali lutho emabhukwini. Ethi «Ngakhokha ngaphambilini» isebenza uma imali iphumile ngempela kodwa lowo mbhalo usuvele usemabhukwini akho ngenye indlela. Ethi «Angisaludingi» isebenza uma ulubhale ngephutha noma ekugcineni bekungasadingeki ukuthi ukhokhe. Zimbili ngoba zisho izinto ezimbili ezehlukene ngemali yakho, futhi usuku lokukhokha oluvaliwe luyakhumbula ukuthi ukhethe yiphi. Ungasebenzisi noyodwa kuzo ezindlekweni okusamele uzibhale: akekho ozowubhala lowo mbhalo.

Uma unezinsuku zokukhokha eziningana okufanele uzivale ngendlela efanayo, isibonelo ezindala osuzikhokhile ngenye indlela, thinta inkinobho ethi «Khetha» phezulu: eceleni kosuku ngalunye oluvuliwe kuvela ibhokisi lokumaka, futhi ezansi kwesikrini kuvela ibha enezinkinobho ezithi «Sezikhokhiwe» nethi «Azisadingeki». Yizo lezo zimpendulo ezimbili, ezinikezwa kanyekanye kuzo zonke ozikhethile. Inkinobho ethi «Ngisanda kukhokha» ayikho lapho, futhi lokho kwenziwe ngamabomu: inkokhelo ngayinye yangempela ine-akhawunti yayo, usuku lwayo nenani layo, futhi ibhalwa ngayinye ngayinye.

Ukuze uqale ngosuku lokukhokha olukhona kakade, isibonelo isigaba sonyaka odlule sentela efanayo, sebenzisa u-«I-Clone»: uyithola ekhasini losuku lokukhokha, noma selukhokhiwe, nasebhaleni lokukhetha, lapho kungakhethwa nezinsuku ezivaliwe uma isigaba esithi «Ezikhokhiwe nezibekiwe» sivuliwe. Ikhophi ithwala kuphela imininingwane emile: kukhokhelwa bani, kumayelana nani, i-akhawunti yezindleko, amakhodi nemiyalelo. Imali nosuku kuhlala kungenalutho ngoba kungokwesaziso esisha, futhi ikhasi liyavuleka ukuze ukubhale; uma kukhethwe izinsuku eziningi, amakhasi avuleka ngalinye ngalinye, futhi umjikelezo uyama uma uvala elilodwa ungalondolozanga.

Inkambu yosuku lokugcina lokukhokha iqala ingenalutho, futhi lokho kwenziwa ngamabomu: ngaphambili wawuthola usuku lwanamuhla selubhaliwe kuyo, okuyimpendulo mbumbulu, futhi lowo ongaqapheli wayezithola esenesikhumbuzo esesidlulile. Uma usuku lungekho, ibhokisi lesikhumbuzo liyakutshela lokho esikhundleni sokuthula, futhi nokulondoloza kuyalufuna.

Ukubuyekezwa Kokutshalwa Kwezimali

Ukubuyekezwa Kokutshalwa Kwezimali kukuvumela ukuthi ulinganise izikhwama zakho ngenani lemakethe lamanje. Ikhasi lisebalula ama-akhawunti okutshalwa kwezimali amiselwe ukubuyekeza inani: kwiyunithi ngayinye ufaka inani lemakethe lamanje futhi i-app ibhala phansi ukuhlolwa kabusha kwenani njengokuthengiselana okulinganayo kokubhaliswa okuphindwe kabili.

Umehluko phakathi kwenani elidala nelisha awubhalwa nje phezu: ubhalwa phansi ngokufanele, ukuze i-Balance Sheet yakho kanye Nenani Elingasele kubonise ukusebenza kwangempela kokutshalwa kwezimali kwakho ngenkathi kugcinwa umlando ophelele wezinguquko.

1. Vula Ukubuyekezwa Kokutshalwa Kwezimali esigabeni Amathuluzi.
2. Khetha i-akhawunti yokutshalwa kwezimali ofuna ukuyibuyekeza.
3. Faka inani lemakethe lamanje lesikhwama.
4. Qinisekisa: i-app ibhala phansi ukuhlolwa kabusha kwenani futhi ibuyekeze Ibhalansi ye-akhawunti.

Ukuvumelanisa

Ukuvumelanisa kunikeza umbono jikelele wama-akhawunti akho avumelanisekayo kanye nesimo sawo, ugade lawo anokuthengiselana okusalindile. Yiwona mkhawulo wokuhlola wokuqinisekisa ukuthi Amabhalansi abhalwe kwi-Cashfulness afana neqiniso, isibonelo isitatimende sasebhange lakho.

Uma wonke ama-akhawunti ahambisanayo esemasha, ikhasi likuqinisekisa lokho ngomlayezo ozimele: awekho ama-akhawunti okufanele avumelaniswe. Uma kungenjalo, ubona ngokushesha ukuthi yiwaphi ama-akhawunti adinga ukunakwa kwakho.

Ukuvumelaniswa akusekhona okwama-akhawunti ansuku zonke namakhadi kuphela: kusebenza nakuma-akhawunti okutshalwa kwezimali nakuwo ama-akhawunti e-cryptocurrency. Lowo one-exchange noma i-broker unaso nempela isitatimende, futhi ufuna ukusiqhathanisa.

Kodwa kulawo ma-akhawunti ibhalansi iyanyakaza nangokwayo, futhi isikrini siyakutshela: esitatimendeni kukhona nokuthi inani likhuphuke noma lehle kangakanani ngokwalo, kanti emabhukwini akho kukhona okuthengiwe, okuthengisiwe kanye nemali ehanjisiwe. Ngakho uma ngemva kokuphawula konke kusasele umehluko, cishe njalo yilowo futhi akulona iphutha lakho: awuvalwa ngokuphawula ezinye izinsali, uvalwa ngokubhala ukulinganiselwa kwenani le-akhawunti ngosuku lwesitatimende, kusuka kuKubuyekezwa Kokutshalwa Kwezimali noma kuKubuyekezwa Kwempahla.

I-akhawunti iphawulwa uma inamarekhodi alindile futhi isitatimende esilandelayo sisondele: isexwayiso siqala izinsuku ezinhlanu ngaphambi kosuku olulinganiselwe. Isilinganiso sibalwa kusukela ekuvumelaniseni kwakho kokugcina noma — uma ungakaze uyivumelanise leyo akhawunti — kusukela kurekhodi elindala kunawo wonke elisalindile. Ukurekhoda irekhodi elisha akukubuyiseli emuva isikhumbuzo: ukubala kubuyela ekuqaleni kuphela lapho uvumelanisa ngempela. Ngaphansi kwegama le-akhawunti ubona ukuthi irekhodi elindala kunawo wonke selilinde izinsuku ezingaki, ukuze uhlukanise «isitatimende sesizofika» ku-«lokhu kumile izinyanga».

Ngaphezu kohlu, eduze kwezihlungi, kunendawo yokusesha ngegama: yengezwa esihlungini esisebenzayo, ayisithathi indawo, futhi uma igama lingekho isikrini siyakusho esikhundleni sokukuphakamisela ukushintsha isihlungi.

Ukwehla Kwenani, Iziqinisekiso Kanye Nokubuyekezwa Kwempahla

Amathuluzi amathathu azinikele engcebweni yakho aphelelisa isigaba. Ukwehla Kwenani kuphatha impahla ene-obsolescence ehleliwe: inani layo lehliswa ngokuhamba kwesikhathi ngamaqophelo okubalisa avamile, ukuze i-Balance Sheet ibonise inani lokusele langempela.

Iziqinisekiso zilandelela izinsuku zokuphelelwa yisikhathi kweziqinisekiso zempahla yakho, ukuze uhlale wazi ukuthi yiziphi izinto ozithengile ezisemboziwe. Ukubuyekezwa Kwempahla, ekugcineni, kukuvumela ukulungisa inani lengcebo yakho njengoba ishintsha ngokuhamba kwesikhathi, kungaba ukwenyuka noma ukwehla.

Njengalo lonke ithuluzi, ukwehla kwenani nokuhlolwa kabusha nakho kudala ukuthengiselana kokubhaliswa okuphindwe kabili: yonke inguquko yenani ihlala inento efanayo, futhi isamba semigqa yeDebhithi neyeKhredithi sihlala kuziro.

Izintengiselwano eziphindaphindayo

Izintengiselwano eziphindaphindayo yimithetho yalokho okuphindaphindekayo: iholo, irenti, izitolimende, okubhaliselwe, izinhlelo zokutshala imali. Wakha umthetho kanye — yini, malini, kangaki — futhi kusukela lapho i-app ikwethulela usuku ngalunye lokukhokha uma lufika, sekugcwalisiwe: uluqinisekisa ngokuthepha kanye, uludlule, noma ulungise inani uma kulokhu kwehlukile.

Umthetho awulokothi ubhale emabhukwini akho ngokwawo: konke okubhalwayo kuzalwa kuphela uma uqinisekisa, futhi kuzalwa kulingana ngokubhaliswa okuphindwe kabili. Yilowo umehluko phakathi kwesibikezelo neqiniso: umthetho ophindaphindayo uyabikezela, wena uyabhala. Izinsuku ezingaqinisekisiwe ziqoqana emgqeni othi «Izinsuku zokukhokha ezifikile», phezulu ekhasini nasekhasini lokuqala, ukuze kungabikho okudlula ngokuthula. Uma wenza umthetho oqala ngosuku oseludlulile, uhlelo lukubuza ukuthi izinkokhelo zangaphambi kwanamuhla usuvele uziqophile yini: uma kunjalo, umthetho uqala osukwini lokukhokha olulandelayo futhi ngeke uphinde ukuphakamisele zona.

Izinhlobo zimboza izimo zangempela: izindleko nemali engenayo ngenani elingaguquki, amabhili ezinsiza ngenani eliguqukayo (osukwini ngalunye lokukhokha iyabuza ukuthi kufike malini), ukudluliswa kwemali phakathi kwama-akhawunti akho, izinhlelo zokutshala imali njalo, kanye nokubhaliselwe — ongakugcina futhi «kusohlwini kuphela», ngaphandle kokubhalwa, ukuze wazi nje ukuthi uchitha malini. Okubhaliselwe kungaba yinkontileka ekhasini Okubhaliselwe namabhili ezinsiza, bese ukubona ezindaweni ezimbili: kuhlosiwe lokho, kuyimibono emibili yento eyodwa.

Esihlungini esithi Konke, phezulu, ibhokisi elithi Izindleko nemali engenayo engaguquki liqhathanisa okuphumayo nokungenayo njalo: umugqa owodwa ngesigqi ngasinye (Njalo ngenyanga, Njalo ngezinyanga ezintathu, Njalo ngonyaka), nenani ngosuku ngalunye lokukhokha, bese ngezansi konke kubalwa ngenyanga nangonyaka, kanye nomehluko. Ukudluliswa nezinhlelo zokutshala imali kwehlukene: kuhambisa imali phakathi kwama-akhawunti akho, akuyisebenzisi.

Ukususa umthetho akuwuthinti umlando: kunyamalala umthetho nezinsuku ezingakalungiswa, kodwa izintengiselwano esezibhaliwe zihlala emabhukwini, ngoba lezo zenzeka ngempela.

1. Vula Izintengiselwano eziphindaphindayo esigabeni Amathuluzi kubha yohlangothi.
2. Cindezela Ephindaphindayo entsha bese ukhetha uhlobo: izindleko, imali engenayo, ibhili lezinsiza, ukudlulisa, uhlelo lokutshala imali noma okubhaliselwe.
3. Setha inani, ukuphindaphindeka nama-akhawunti amabili okubhalwa; londoloza umthetho.
4. Osukwini ngalunye lokukhokha uzothola intengiselwano emgqeni: yiqinisekise, yidlule noma ulungise inani.

Ibhondi noma imalimboleko

Ibhondi noma imalimboleko yakha uhlelo lokukhokha kusukela ezinombolweni ezine zenkontileka yakho: imali ebolekiwe, izinga lenzalo lonyaka, inani lezitolimende nosuku lwesokuqala. I-app ibala uhlelo lwezitolimende ezilinganayo (indlela yaseFrance) futhi ikubonisa isitolimende, ingxenye yemali ebolekiwe, ingxenye yenzalo nosuku lokugcina ngaphambi kokubhala noma yini.

Qaphela ukuthi yiyiphi inombolo oyikopishayo: kudingeka izinga lenzalo lonyaka, hhayi i-APR. I-APR ifaka nezindleko, futhi uma uyifaka lapha kuphuma isitolimende esikhulu kunesangempela. Uma ubhala nesitolimende senkontileka, i-app ihlola ukuthi uhlelo luyavumelana: uma lungavumelani, imvamisa yingoba i-APR ifakwe endaweni yezinga lenzalo lonyaka.

Emabhukwini kusebenza kanje: kwi-akhawunti oyikhethile kuphuma isitolimende sonke, isikweletu sehla ngengxenye yemali ebolekiwe kuphela, futhi umehluko uyinzalo, eyizindleko. Ama-akhawunti amathathu, okubhalwa okukodwa okulinganayo ngesitolimende ngasinye: i-Balance Sheet ibonisa isikweletu esisele sangempela, isitatimende sezindleko sibonise izindleko zangempela zemalimboleko.

Uhlelo lusebenza ngezinga lenzalo elingaguquki. Uma elakho liguquka, uhlelo alukho kusengaphambili: lwakhiwa kabusha uma ibhange limemezela izinga elisha.

1. Vula Ibhondi noma imalimboleko esigabeni Amathuluzi kubha yohlangothi.
2. Kopisha enkontilekeni imali ebolekiwe, izinga lenzalo lonyaka, inani lezitolimende nosuku lwesitolimende sokuqala.
3. Khetha ama-akhawunti amathathu: lapho kuphuma khona isitolimende, isikweletu, ne-akhawunti yenzalo.
4. Hlola isitolimende esibaliwe — uma ubhale esenkontileka, i-app iyaziqhathanisa — bese ucindezela Dala uhlelo.

Amalebula

Amalebula aqoqa ukuthengiselana okusabalele kuma-akhawunti ahlukene ngaphansi kwegama lakho: «Amaholide 2026», «Ukuvuselelwa kwendlu yokugezela», «Uhambo lomsebenzi lukaMashi». Ishadi lama-akhawunti liphendula umbuzo othi «hlobo luni lwendleko lolu?»; ilebula liphendula othi «lingelaliphi iphrojekthi?» — futhi yimibuzo emibili ehlukene, yingakho kukhona kokubili.

Ilebula lizalwa ngesikhathi ulibhala entengiselwaneni, enkambini ethi Amalebula yefomu: akudingeki ulakhe kuqala. Ikhasi Amalebula kumathuluzi liwuhlu: ubona ukuthi ilebula ngalinye linezintengiselwano ezingaki, uliqambe kabusha yonke indawo ngesinyathelo esisodwa, noma ulisuse.

Amalebula awalokothi athinte amabhuku akho: awuqweqwe lokufunda ngaphezu kokubhaliwe. Ukususa elilodwa akunyakazisi ngisho isenti — izintengiselwano zihlala lapho zikhona, kulahleka ukuqoqwa kuphela.

1. Bhala intengiselwano bese ubhala igama enkambini ethi Amalebula: ilebula lizalwa lapho.
2. Lisebenzise futhi ezintengiselwaneni ezingezephrojekthi efanayo, kunoma iyiphi i-akhawunti.
3. Hlunga Irejista ngelebula ukuze ubone iphrojekthi yonke ndawonye, nesamba sayo.
4. Ekhasini Amalebula kumathuluzi uthinta ilebula ukuze uvule Irejista evele ihlungwe ngayo, noma uqambe kabusha noma ususe amalebula esikhala sonke.

Ngenisa kusuka ku-CSV

Ngenisa kusuka ku-CSV kungenisa ama-akhawunti nezintengiselwano ezivela kolunye uhlelo, kusipredishithi noma esitatimendeni sasebhange. Kwamukela ama-CSV, ama-TSV namafayela ombhalo ahlukaniswe ngokhefana, ngesemikholoni noma ngethebhu, futhi kuqonda izimo ezimbili: umugqa owodwa ngentengiselwano (isitatimende esijwayelekile) noma imigqa eminingi ngokubhalwa okukodwa (okukhishwe ngezinye izinhlelo ngokubhaliswa okuphindwe kabili).

Indlela inezinyathelo ezintathu: ukhetha ifayela, usho ukuthi ikholomu ngayinye iqukethe ini — usuku, incazelo, inani, i-akhawunti, i-akhawunti ephikisanayo — bese ubuka ukubuka kuqala. Ngaphambi kokuba kubhalwe noma yini ubona ukuthi kungena imigqa emingaki, ngaziphi izinhlobo zemali, nokuthi yini engaqondwanga: azikho izimanga ngemva kokungenisa.

Uma i-akhawunti esevele ikhona inohlobo lwemali oluhlukile kolwamanani asefayeleni, imigqa yayo iguqulwa ngezinga lokushintshanisa losuku lwentengiselwano ngayinye, futhi ukubuka kuqala kukwazisa ngalokhu ngaphambi kokungenisa.

Ama-akhawunti aqanjwe efayeleni angakabikho esikhaleni akhiwa ngesikhathi sokungenisa, kulandelwa indlela ebhalwe efayeleni: yingakho inkambu ye-akhawunti lapha ingumbhalo okhululekile hhayi uhlu okhetha kulo. Yonke intengiselwano engenisiwe ingena njengokubhalwa okulinganayo kokubhaliswa okuphindwe kabili, njengokungathi uyibhale ngesandla.

Uma umphumela ungakugculisi, ukungenisa kungahoxiswa kanyekanye: okubhalwe wukungenisa kunyamalala ndawonye, ngaphandle kokuzingela ngesandla.

1. Vula Izilungiselelo, bese uvula Ikhophi yokusekela nedatha, bese uthepha Ngenisa kusuka ku-CSV.
2. Khetha ifayela bese usho ukuthi ikholomu ngayinye iqukethe ini.
3. Hlola ukubuka kuqala: imigqa iyonke, izinhlobo zemali nemigqa engaqondwanga.
4. Qinisekisa ukungenisa — futhi uma kudingeka, ukuhoxise kanyekanye ngemva nje kwalokho.

Umlando wamabhalansi

Umlando wempahla, obizwa ngokuthi “Ngenisa umlando wakho” kumenyu, wabantu abase belandela impahla yabo kwispredishithi: ungenisa amabhalansi ezinyanga ezedlule, ukuze igrafu ethi Inani lenotho ngokuhamba kwesikhathi ingaqali ku-zero ngosuku olubhalisa ngalo.

Kwenziwa ngezinyathelo ezintathu. Unamathisela ithebula olikopishe kwispredishithi: umugqa owodwa usuku ngalunye, ngokuvamile ukuphela kwenyanga, nekholomu eyodwa i-akhawunti ngayinye; izikweletu zibhalwa ngophawu lokususa. Ngemva kwalokho ubophezela ikholomu ngayinye ku-akhawunti yayo futhi, ngaphambi kokuqinisekisa, ufunda isifinyezo salokho okuzokwenzeka. Usuku ngalunye, uhlelo lunciphanisa ibhalansi oyimemezelayo nalena evela ezincwadini futhi lurekhoda umehluko kuphela, nge-akhawunti elinganayo efanayo ne-Buyekeza Ingcebo: izinyanga ezivumelana kakade azenzi nhlobo ukungena.

Phezulu ukhetha ukuthi uyilayisha ini: “Amabhalansi empahla” noma “Imali engenayo neyiphumayo”, ukuze i-Sitatimende Sengeniso nayo ibe nesikhathi esedlule. Imali engenayo nezindleko akushintshi impahla, ngoba sekuphakathi kwamabhalansi, futhi ukulayisha kabusha isikhathi esifanayo kusishintshela esikhundleni sokusengeza. Ukulayisha kungachithwa ngokushesha ngemva kwalokho. Kungenziwa kuphela umnikazi wesikhala sokubalisa, ezinsukwini ezedlule nakuma-akhawunti ngemali eyinhloko yesikhala.

1. Vula “Ngenisa umlando wakho” esigabeni sika-Amathuluzi kubha yohlangothi.
2. Namathisela ithebula olikopishe kwispredishithi sakho bese ucindezela “Funda ithebula”: ukufunda akulayishi lutho.
3. Bophezela ikholomu ngayinye ku-akhawunti yayo; amakholomu angenayo i-akhawunti ayashiywa.
4. Hlola isifinyezo bese uqinisekisa nge-“Ngenisa umlando”; uma kudingeka, chitha ukulayisha ngokushesha.