Yenza umholo wakho uhambe indawo ende: Sikucathulisa ngokuhlanganisa isabelomali
INTATHELI YOMBELE
UKUPHATHA imali yakho ngendlela efanele kumqoka ekusimamiseni isimo sakho somnotho nokufeza izinhloso zakho.
Lolu daba lunamasu nezindlela ezingakusiza uqonde kahle umholo wakho, uhlanganise isabelomali, ukhokhele izindleko zakho, wenze umholo wakho uhambe indawo ende futhi wenze izinsiza zasebhange zikusebenzele.
Ngokusebenzisa lolu lwazi nobuchwepheshe be-Standard Bank Mobile App ungalawula imali yakho, umholo wakho uhambe ibanga elide futhi uzibekele izifiso zemali ezingafezeka.
Ukuqonda umholo wakho
I-payslip yakho inemininingwane yomholo wakho, iveza imali oyitholayo nebanjwayo:
- Umholo wakho wonke: Imali oyiholayo kungabanjwa lutho;
- Okubanjwayo: Intela, umshwalense nempesheni;
- Imali osala nayo: Umholo ogcina unawo emva kwemali esuke ibanjiwe.
Ukuqonda lezi zinto kuyakusiza uhlanganise isabelomali okuyisonasona futhi kuqinisekise nokuthi nemali ebanjwayo efanele.
Izindlela zokuhlanganisa isabelomali
Hlukanisa izindleko zakho ngokucacisa izidingo zezinto ozifunayo kodwa ezingezona izidingo. Akubekhona ingxenye yomholo wakho oyongayo ngaphambi kokuyisebenzisela kulezo zinto ozifunayo.
Le ndlela iqinisekisa ukuthi unemali oyongayo kodwa futhi ube nemali oyisebenzisa noma yikanjani ezintweni ozifunayo.
Yengamela izindleko zakho futhi ugade imali oyisebenzisela zona
Sebenzisa izinsiza ezifana nama-spreadsheet nobuchwepheshe bokuhlanganisa isabelomali ukubheka indlela osebenzisa imali ngayo.
Vama ukubuyekeza indlela osebenzisa ngayo imali ukuze uzobona izindawo lapho unganciphisa khona futhi uphucule imali oyongayo.
Izindlela zokwenza umholo wakho uhambe ibanga elide
Ukuphila ngangokwamandla akho kumqoka ekusimamiseni imali yakho. Cabanga izindlela ezifana nokuthi imali oyongayo ibanjwe emholweni wakho, uthole ezinye izindlela zokungenisa imali futhi usheshe ukhokhe izikweletu ezinenzalo enkulu ukwandisa imali onayo.
Izinto ongazenza njalo ngebhange lakho
Sebenzisa izinsiza ze-Standard Bank Mobile App ukwenza ibelula indlela owenza izinto zasebhange ngayo:
- Imali oyongayo ayibanjwe ebhange: Yenza imali oyongayo ibanjwe ukuze ifakwe kwi-akhawunti owonga kuyo.
- I-Budget Manager: Hlukanisa futhi ugade indlela osebenzisa imali ngayo.
- Hlela indlela okhokha ngayo: Qikelela ukukhokha ngesikhathi ukuze ungahlawuliswa.
Ukuqonda inzalo
Ukuqonda ukuthi inzalo isebenza kanjani kubalulekile ekubhekaneni nezikweletu nokukhulisa imali oyongayo. Gxila ekukhokheni izikweletu ezinenzalo enkulu kuqala futhi usebenzise ama-akhawunti angenisa inzalo ukukhulisa isimo sakho sezimali ngokuhamba kwesikhathi.
Zibekele izinto ofisa ukuzizuza ngemali
Yazi izinto ofisa ukuzizuza nesikhathi ofisa ukuzizuza ngaso. Izinto ofisa zisheshe zenzeke zingafaka into efana nemali ewugadingozi, kuthi lezo ezizothatha isikhathi kungaba yizinto ezifana nokongela umuzi noma impesheni. Sebenzisa isabelomali sakho ukugada nokubheka nokushintsha izinto okuhambisana nenqubekelaphambili yakho.
Amanye amathiphu
- Khokha izikweletu zakho: Qala ngezikweletu ezinenzalo enkulu bese ubheka ukuthi ayikho yini indlela yokuhlanganisa izikweletu zakho;
- Ukonga: Imali ofisa ukuyonga ayibanjwe ukuqikelela ukuthi uhlale uyonga;
- Izifiso zakho: Yenza izifiso onazo ngemali zihambisane nezifiso zakho njengokuthi uma ufuna ukufunda noma ukuvakashela ezinye izindawo.
Ngokuhlanganisa lezi zindlela nokusebenzia izinsiza ezikhona kwi-Standard Bank Mobile App, ungalawula imali yakho, wenze umholo wakho uhambe indawo ende futhi ufeze izifiso onazo ngemali.
I-Standard Bank Financial Consultancy iwumhlinzeki wezimali osemthethweni (FSP 3825). Inhloso yalolu daba wukukunika ulwazi kodwa akusona iseluleko ngezimali. Kufanele njalo wenze ucwaningo lwakho futhi ufune iseluleko kubantu abagunyaziwe ngaphambi kokwenza isinqumo sokutshala imali. Kunemigomo nemibandela.