Ufuna i izinhlelo zokusebenza zebhajethi ezihamba phambili mahhala ngo-2024? Ingabe ukhathele ukuzibuza ukuthi imali yakho iya kuphi nyanga zonke? Ukuphatha izimali kungaba umsebenzi onzima, ikakhulukazi uma uzama ukwenza konke uwedwa. Kodwa ungesabi, ngoba inkathi yedijithali isilethele isixazululo—izinhlelo zokusebenza zebhajethi zamahhala. Lawa mathuluzi afana nokuba nomeluleki womuntu siqu wezezimali otholakala 24/7, futhi ngeke akubize ngisho indibilishi.
kulesi blog okuthunyelwe, sizokwambula izinhlelo zokusebenza ezingcono kakhulu zokubhajethi ezithembisa ukukusiza ukuthi ube yinkosi yezimali zakho kalula. Ngakho-ke, ake siqalise futhi siguqule amaphupho akho ezezimali abe ngokoqobo ngamathuluzi amahhala angcono kakhulu onawo.
Okuqukethwe
- Kungani Kufanele Usebenzise Uhlelo Lokwenza Isabelomali?
- Izinhlelo zokusebenza ezihamba phambili zebhajethi Zamahhala Zango-2024
- Isiphetho
Kungani Kufanele Usebenzise Uhlelo Lokwenza Isabelomali?
Uhlelo lokusebenza lwebhajethi ukukusiza ukuthi uhlale usendleleni nemigomo yakho yemali, noma ngabe wongela okuthile okukhulu noma uzama nje ukwenza inkokhelo yakho ihlale. Nakhu ukuthi kungani izinhlelo zokusebenza ezingcono kakhulu zebhajethi zamahhala zingashintsha umdlalo kunoma ubani ofuna ukuhlela izimali zakhe:
Ukulandelelwa Okulula Kwezindleko:
Uhlelo lokusebenza lokwenza ibhajethi lususa ukuqagela ekulandeleleni indlela osebenzisa ngayo imali. Ngokuhlukanisa konke okuthengayo, ungabona ngqo ukuthi uchitha malini ezintweni ezifana negrosa, ezokuzijabulisa, nezikweletu. Lokhu kwenza kube lula ukubona izindawo onganciphisa kuzo.
Ukusetha nokufeza Imigomo Yezezimali:
Kungakhathaliseki ukuthi ilondolozela iholide, imoto entsha, noma isikhwama sezimo eziphuthumayo, izinhlelo zokusebenza zebhajethi zikuvumela ukuthi ubeke imigomo yezezimali futhi ugade ukuqhubeka kwakho. Ukubona ukonga kwakho kukhula kungaba yisikhuthazo esikhulu sokunamathela kubhajethi yakho.
Isebenziseka kalula futhi isebenziseka kalula:
Iningi lethu liphatha ama-smartphones ethu yonke indawo, okwenza izinhlelo zokusebenza zokubhajethi zibe lula ngendlela emangalisayo. Ungahlola izimali zakho noma kunini, noma kuphi, okwenza kube lula ukwenza izinqumo zokusebenzisa imali unolwazi usohambeni.
Izexwayiso Nezikhumbuzi:
Ukhohlwe ukukhokha isikweletu? Uhlelo lokusebenza lokwenza isabelomali lungakuthumelela izikhumbuzi zamadethi amanqamu noma likuxwayise uma usuzosebenzisa ngokweqile esigabeni. Lokhu kukusiza ukuthi ugweme izimali ezikhokhwa sekwephuzile futhi unamathele kubhajethi yakho.
Imibono Ebonakalayo:
Izinhlelo zokusebenza zebhajethi zivame ukuza namashadi namagrafu akwenza kube lula ukubona ngeso lengqondo impilo yakho yezezimali. Ukubona ngeso lengqondo iholo lakho, izindleko, nokonga kungakusiza ukuthi uqonde isimo sakho sezezimali ngokushesha.
Izinhlelo zokusebenza ezihamba phambili zebhajethi Zamahhala Zango-2024
- I-YNAB: Uhlelo lokusebenza lwebhajethi olungcono kakhulu lwamahhala Abantu abazibophezele ekuphatheni okusebenzayo, okugxile emigomweni
- Kuhle: Uhlelo lokusebenza lwebhajethi olungcono kakhulu lwamahhala Abashadile, imindeni, abafundi ababonwayo
- I-PocketGuard: Uhlelo lokusebenza lwebhajethi olungcono kakhulu lwamahhala Abantu abathambekele ekusetshenzisweni ngokweqile, imininingwane yesikhathi sangempela
- I-honeydue: Uhlelo lokusebenza lwebhajethi olungcono kakhulu lwamahhala Izithandani ezifuna ukubeka izinto obala nokusebenzisana
1/ YNAB (Udinga Isabelomali) - Izinhlelo zokusebenza Zokubhajethi Ezingcono Kakhulu Zamahhala
I-YNAB wuhlelo lokusebenza oludumile olunconywa ngendlela yalo ehlukile yokwenza isabelomali: isabelomali esisekelwe ku-zero. Lokhu kusho ukuthi idola ngalinye elitholiwe linikezwa umsebenzi, okuqinisekisa ukuthi imali oyitholayo ihlanganisa izindleko nemigomo yakho.
Isivivinyo samahhala: Isikhathi sesivivinyo sezinsuku ezingama-34 sokuhlola amandla aso aphelele.
buhle:
- Ibhajethi Esekelwe Ku-Zero: Ikhuthaza ukusetshenziswa kwemali ngokucophelela futhi ivimbele ukusebenzisa imali ngokweqile.
- Isixhumanisi Esisebenziseka Kancane: Kuyakhanga futhi kulula ukuzulazula.
- Ukusetha Umgomo: Zibekele imigomo eqinile yezezimali futhi ulandelele ukuqhubeka ngempumelelo.
- Ukuphathwa Kwezikweletu: Inikeza amathuluzi ukubeka phambili nokulandelela ukukhokhwa kwesikweletu.
- Ukuvumelanisa I-akhawunti: Ixhuma namabhange ahlukahlukene kanye nezikhungo zezimali.
- Izinsiza Zezemfundo: Ihlinzeka ngama-athikili, imihlangano yokucobelelana ngolwazi, nemihlahlandlela mayelana nolwazi lwezezimali.
bawo:
- Izindleko: Izintengo ezisuselwe kokubhaliselwe (ngonyaka noma nyanga zonke) zingathiya abasebenzisi abaqaphela ibhajethi.
- Ukufaka Mathupha: Idinga ukuhlukaniswa ngokwezigaba kokwenziwayo, okungenzeka abanye bakuthole kuyisicefe.
- Izici Zamahhala Ezikhawulelwe: Abasebenzisi bamahhala baphuthelwa ukukhokhelwa kwebhili okuzenzakalelayo nemininingwane ye-akhawunti.
- Ijika lokufunda: Ukusethwa kokuqala nokuqonda isabelomali esisekelwe ku-zero kungase kudinge umzamo.
Ubani okufanele acabangele i-YNAB?
- Abantu ngabanye bazibophezele ekuphatheni izimali zabo ngenkuthalo.
- Abantu abafuna indlela yesabelomali ehlelekile futhi egxile emigomweni.
- Abasebenzisi banethezekile ngokufaka idatha mathupha futhi bazimisele ukutshala ekubhaliseni okukhokhelwayo.
2/ I-Goodbudget - Izinhlelo zokusebenza Zokubhajethi Ezingcono Kakhulu Zamahhala
I-Goodbudget (ngaphambilini eyayaziwa ngokuthi i-EEBA, i-Easy Envelope Budget Aid) iwuhlelo lokusebenza lwesabelomali olugqugquzelwe uhlelo lwemvilophu yendabuko. Isebenzisa "izimvilophu" ezibonakalayo ukwaba iholo lakho ngezigaba ezihlukene zokusebenzisa imali, ikusiza ukuthi uhlale usendleleni futhi ugweme ukusebenzisa imali ngokweqile.
Uhlelo Oluyisisekelo Lwamahhala: Kufaka phakathi izici ezibalulekile njengezimvilophu, imigomo, nesabelomali esabiwe.
buhle:
- Uhlelo lwemvilophu: Indlela elula nenembile yokuphatha izimali, ilungele abafundi ababonakalayo.
- Isabelomali Esihlanganyelwe: Ilungele izithandani, imindeni, noma abahlala nabo ukuze babelane futhi baphathe ibhajethi ndawonye.
- I-Cross-Platform: Ifinyeleleka ngewebhu, i-iOS, namadivayisi we-Android ngokuvumelanisa okungenazihibe.
- Izinsiza Zezemfundo: Imihlahlandlela nama-athikili mayelana nesabelomali kanye nokusetshenziswa kwesistimu yemvilophu.
- Kugxilwe Kubumfihlo: Azikho izikhangiso futhi ayixhumi ngokuqondile kuma-akhawunti asebhange.
bawo:
- Ukufaka Mathupha: Idinga ukuhlukaniswa kokwenziwe ngesandla, okungadla isikhathi.
- I-Envelope-Focused: Kungase kungahambisani nabasebenzisi abancamela ukuhlaziya okuningiliziwe kwezezimali.
- Izici Zamahhala Ezikhawulelwe: Uhlelo oluyisisekelo lukhawulela izimvilophu futhi alinazo izici zokubika.
Ubani okufanele acabangele i-Goodbudget?
- Abantu noma amaqembu amasha ebhajethi afuna indlela elula nebonakalayo.
- Izithandani, imindeni, noma abahlala nabo abafuna ukuphatha izimali ngokubambisana.
- Abasebenzisi banethezekile ngokufaka mathupha futhi babeke phambili imigomo eyabiwe yezezimali.
3/ I-PocketGuard - Izinhlelo zokusebenza Zokubhajethi Ezingcono Kakhulu Zamahhala
I-PocketGuard iwuhlelo lokusebenza lwebhajethi olwaziwa ngesibonisi esisebenziseka kalula, izexwayiso zokuchitha isikhathi sangempela, futhi ugxile ekuvimbeleni ukukhokha imali eyengeziwe.
buhle:
- Imininingwane Yokuchithwa Kwesikhathi Sangempela: Thola izaziso ezisheshayo mayelana nezikweletu ezizayo, ubungozi bokusebenzisa ngokweqile, nezindleko zokubhaliselwe.
- Ukuvikelwa Kwe-overdraft: I-PocketGuard ihlonza imali eyengeziwe engase ibe khona futhi iphakamise izindlela zokukugwema.
- Ukuvikelwa Kwezezimali: Izinhlelo ze-Premium zinikeza ukuqapha isikweletu kanye nokuvikela ukuntshontshwa kobunikazi (e-US kuphela).
- Isixhumi esibonakalayo esilula: Kulula ukuzulazula nokuqonda, ngisho nakubaqalayo ukwenza ibhajethi.
- Izici zamahhala: Ukufinyelela ekuvunyelanisweni kwe-akhawunti, izexwayiso zokusebenzisa imali, namathuluzi obhajethi ayisisekelo.
- Ukusetha Umgomo: Dala futhi ulandelele inqubekelaphambili ekufezeni imigomo yezezimali.
- Ukulandelelwa kweBill: Gada izikweletu ezizayo kanye nezinsuku zamanqamu.
bawo:
- Izici Zamahhala Ezikhawulelwe: Abasebenzisi bamahhala baphuthelwa ukukhokhelwa kwebhili okuzenzakalelayo, ukuhlukaniswa kwezindleko, nezixwayiso ezingenziwa ngendlela oyifisayo.
- Ukufaka Mathupha: Ezinye izici zingase zidinge ukuhlelwa ngokwezigaba kokwenziwayo.
- E-US Kuphela: Okwamanje ayitholakali kubasebenzisi abangaphandle kwe-United States.
- Ukuhlaziywa Kwezezimali Okunomkhawulo: Intula ukuhlaziya okujulile uma kuqhathaniswa nabanye oqhudelana nabo.
Ubani okufanele acabangele i-PocketGuard?
- Abantu abajwayele ukusebenzisa imali ngokweqile bafuna izexwayiso neziqondiso.
- Abasebenzisi bafuna uhlelo lokusebenza lwebhajethi olulula nolunembile olunemininingwane yokusebenzisa isikhathi sangempela.
- Abantu bakhathazekile nge-overdraft kanye nokuvikelwa kwezimali (izinhlelo ze-premium).
- Abantu banethezekile ngokufaka okuthile mathupha kanye nokugwema ukukhokha imali esele kuqala.
4/ I-Honeydue - Izinhlelo zokusebenza ezingcono kakhulu zebhajethi zamahhala
I-Honeydue iwuhlelo lokusebenza lwebhajethi ngokukhethekile yakhelwe imibhangqwana ukuphatha izimali zabo ngokubambisana.
Uhlelo Oluyisisekelo Lwamahhala: Ukufinyelela kuzici ezibalulekile ezifana nesabelomali esihlanganyelwe nezikhumbuzi zebhili.
buhle:
- Ubhajethi Oluhlanganyelwe: Bobabili ozakwethu bangabuka wonke ama-akhawunti, okwenziwayo, namabhajethi endaweni eyodwa.
- Ukuchitha Umuntu Ngamunye: Uzakwethu ngamunye angaba nama-akhawunti ayimfihlo kanye nezindleko zokuzimela kwezezimali komuntu siqu.
- Izikhumbuzi zeBill: Setha izikhumbuzi zezikweletu ezizayo ukuze ugweme izinkokhelo zamuva.
- Ukusetha Umgomo: Dalani imigomo yezezimali eyabiwe futhi nilandelele inqubekelaphambili ndawonye.
- Izibuyekezo zesikhathi sangempela: Bobabili ozakwethu babona izinguquko ngokushesha, ezikhuthaza ukuxhumana nokuziphendulela.
- Isixhumi esibonakalayo esilula: Idizayini esebenziseka kalula futhi enembile, ngisho neyabaqalayo.
bawo:
- Iselula Kuphela: Alukho uhlelo lokusebenza lwewebhu olutholakalayo, olukhawulela ukufinyeleleka kwabanye abasebenzisi.
- Izici Ezikhawulelwe Zomuntu Ngamunye: Igxile ekwabelweni kwesabelomali okuhlanganyelwe, okunezici ezimbalwa zokuphatha izimali ngazinye.
- Ezinye Izingqinamba Zibikiwe: Abasebenzisi babike iziphazamisi ngezikhathi ezithile nezinkinga zokuvumelanisa.
- Ukubhalisa kuyadingeka Ezicini Eziningi: Izinhlelo ezikhokhelwayo zivula izici ezibalulekile njengokuvumelanisa i-akhawunti nokukhokhelwa kwebhili.
Ubani okufanele acabangele i-Honeydue?
- Izithandani ezifuna indlela esobala nesebenzisanayo yokwenza ibhajethi.
- Abasebenzisi banethezekile ngohlelo lokusebenza lweselula kuphela futhi bazimisele ukuthuthukela izici ezithuthukile.
- Abantu abasha ekwenzeni ibhajethi abafuna isixhumi esibonakalayo esilula nesinembile.
Isiphetho
Lezi zinhlelo zokusebenza zebhajethi ezihamba phambili mahhala zinikeza izici ezihlukahlukene ukuze zivumelane nezintandokazi ezihlukahlukene, okwenza kube lula kunangaphambili ukulawula izimali zakho ngaphandle kokusebenzisa imali eyengeziwe ezinkokhelweni zokubhalisa. Khumbula, isihluthulelo sesabelomali esiyimpumelelo ukungaguquguquki kanye nokuthola ithuluzi ozizwa ukhululekile ukulisebenzisa nsuku zonke.
🚀 Ukuze uthole izingxoxo zokuhlela izimali ezibandakanyayo nezisebenzisanayo, bheka AhaSlides izifanekiso. Sisiza ukuthuthukisa izikhathi zakho zezimali, ukwenza kube lula ukubonwa komgomo kanye nokwabelana ngemininingwane. AhaSlides ungumlingani wakho emfundweni yezezimali, okwenza imiqondo eyinkimbinkimbi ifinyeleleke kakhudlwana futhi ikhuthaze ukuqonda okungcono kwezimali zomuntu siqu.
Ref: Forbes | I-CNBC | Inhlanhla iyancoma
