Kuyini onyakeni omusha esigcwalisa sonke ngesifiso sokuhlanza? Izingubo, amathoyizi amadala-yizinto ezilula lezo. (Uma isetshenziswa kahle, ngicela unikele !) Kodwa indlela yokubhekana nezinqwaba phezu kwezinqwaba zamaphepha ezezimali? Kufanele ugcine isikhathi esingakanani amafomu akho entela? Kuthiwani ngamarejista amasheke amadala nama-stubs okukhokha? Sithepha New York Times umbhali othengisa kakhulu kanye nomxhumanisi wokuhlela nokukhiqiza UJulie Morgenstern ukusinikeza impendulo kanye unomphela.
1. Ukubuyiselwa Kwentela: Iminyaka emi-3
Ngaphambilini, iminyaka eyisikhombisa kwakuyisincomo, kodwa uMorgenstern ugcizelela ukuthi iminyaka emithathu yanele. Lokho kusho ukuthi unyaka wamanje, kanye neminyaka emithathu emuva, kodwa wonke umuntu kufanele ahlole i-accountant yakhe ukuze abone ukuthi asikho yini isizathu sokugcina amaphepha entela ngaphezu kweminyaka emithathu, uyachaza. Ezinye izibonelo zabangaphandle: Mhlawumbe udlule esahlukaniso. Noma mhlawumbe uthenge indlu ngonyaka ongaphandle nje komkhawulo weminyaka emithathu. Buza i-accountant yakho, kodwa uma kwenzeka isigameko esibalulekile ongase udinge ukubuyela kuso, kungase kudingeke ubambelele kuso, kusho uMorgenstern.
Ithiphu Yephrofayili Yendlela Yokuhlela: I-Morgenstern iphakamisa ukumisa ifolda eyodwa yonyaka ngamunye futhi uphrinte ikhophi yentela yakho (kucatshangwa ukuthi uyifakile nge-elekthronikhi) ukuze ugcinwe kuleyo ndawo. Lawa mafolda abamba imbuyiselo yakho yentela, kodwa futhi enze ikhophi yasenqolobaneni kunoma yiziphi izimali ezibanjwayo okungenzeka uzifunile, usho kanje. Bese, ekuqaleni konyaka omusha, qala ifolda entsha yokufaka wonke amaphepha ahlobene nentela onyaka njengoba kuqhubeka.
2. Amarejista e-Checkbook: Kufika Kweminyaka eyi-10
Uma usabhala amasheke noma unamarejista asuka eminyakeni ehambisana nentela, gcina leyo midlwane cishe iminyaka eyishumi. Amarejista e-checkbook acishe afane nedayari, kuchaza uMorgenstern. Akuyona nje indaba yonyaka, kodwa uma uzisebenzisa njalo, kuyinkomba yokuthenga okumba eqolo noma amasevisi ongazange uwagcine amarisidi. (Futhi, lawa amarekhodi angekho ngokwedijithali, okusho ukuthi udinga ukuwagcina isikhathi eside.)
Ithiphu Yephrofayili Yendlela Yokuhlela: Faka amarejista abalulekile ebhuku lokuhlola kufolda yembuyiselo yentela esebenzayo. (Noma yini enye emuva ungafihla konke ndawonye.)
3. Izikweletu Zanyanga Zonke: Toss
Ibhili lakho likagesi. Isitatimende sikamakhalekhukhwini wakho. NgokukaMorgenstern, kuhle kakhulu ukuhlakazeka lapho ufika. Lezi zinhlobo zezikweletu zonke ziku-inthanethi futhi imiphumela [uma udinga ukubhekisela eyodwa] mincane kakhulu, usho kanje. Ungangena kalula ku-inthanethi futhi uthole ukuthi ukhokhe ini ngenyanga edlule—noma ukuthi ukhokhe ini onyakeni odlule.
Ithiphu Yephrofayili Yendlela Yokuhlela: Cabanga ngezinzuzo zokususa nokusika lezi zinto—kushiya isikhala salokho okudingayo ngempela ukuze ufinyelele kukho, kusho uMorgenstern.
4. I-Pay Stubs: Kuncike
Njengoba izinkampani eziningi zenza ama-stubs kudijithali, isikhathi kuphela ongase udinge ukufinyelela ikhophi eqinile uma ushiya isikhundla sakho. Uma lokho kubonakala kungenzeka, kuphrinte noma ukulondoloze njengamafayela. Okokuqala, kunethuba elinamandla lokuthi uzodinga ukubhekisela kuzo ngesikhathi esithile ukuze uthole izintela, kusho uMorgenstern. Kodwa kukhona futhi indaba lapha. Ithi, ubamba imisebenzi eminingi noma ushintsha imisebenzi njalo. Noma mhlawumbe usebenzela umqashi, thatha ikhefu bese ubuyela kubo ngomugqa. Leli ukuphela kwerekhodi lakho lemininingwane efana nenani lehora noma lephrojekthi. Bambelela kunoma yikuphi ocabanga ukuthi ungase ufune ukubhekisela kukho iminyaka emihlanu.
Ithiphu Yephrofayili Yendlela Yokuhlela: UMorgenstern ungumlandeli wokuwaguqulela abe ama-PDF kanye nokufihlwa kufolda yedeskithophu.
5. Izitatimende Zekhadi Lesikweletu: Toss
Asikho isidingo sokubambelela kulokhu—empeleni, ukungabi naphepha kuyindlela yokuhamba—njengoba yonke into itholakala kalula ku-inthanethi, kusho uMorgenstern.
Ithiphu Yephrofayili Yendlela Yokuhlela: Qiniseka ukuthi ugcina ikhadi elihlukile lezindleko zakho kanye nelomsebenzi, ukuze ungabi nenani elikhulu lezintela noma isikhathi sezindleko, uyanezela.
6. Zonke Izinkontileka: Phakade
Amaphepha ezezimali ahlobene nezikhathi ezinkulu empilweni yakho kufanele afakwe kufolda yaphakade, kusho uMorgenstern. Ezinye izibonelo: isikweletu sokudayiswa kwendlu, umshwalense wakho wokuphila, amaphepha okuqala okuthenga imoto yakho. Shicilela lezi futhi uzigcine zisesandleni.
Ithiphu Yephrofayili Yendlela Yokuhlela: Konke mayelana nalelo khabhinethi yefayela (noma ibhokisi lokukhiya lanoma yini ebucayi kakhulu noma okunzima ukuyishintsha).
7. Amarisidi Okuthenga Ku-inthanethi: Kuya ngokuthi
Ngokwe-Morgenstern, kufanele ugcine irekhodi ledijithali okungenani inqobo nje uma kuthatha ukuthi into yakho ifike. Yebo, kuye ngosayizi wokuthenga noma iwindi lokubuyisela, ungase ufune ukunweba lowo mkhawulo.
Ithiphu Yephrofayili Yendlela Yokuhlela: Ngaso sonke isikhathi uma ufaka i-oda, uthola isiqinisekiso se-imeyili, ngakho iseluleko sami siwukusetha ifolda ebhokisini lakho lokungenayo ethi 'ama-oda afakiwe' kanye nethi 'ama-oda atholiwe.' Uma okuthile kufika, kususe kufolda eyodwa ukuyise kwelandelayo njengendlela yokuyivala futhi ulandelele.
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