Akukho nkqubo ekufuneka ivavanywe. Akukho tyala ekufuneka limiselwe.
Imali yakho, icaciswe kabini ngenyanga.
Ukukhuphela i-bank okanye i-credit card statement. Fumana iphepha elinye eliya ngaphambili: apho imali ihambe khona, yintoni ehlawulisa wena ngokuphindaphinda, kwaye yintoni ongayilibala ukuba uhlawule ngayo.
Iinkqubo zokucwangcisa iindleko zisebenza kuphela ukuba uvela rhoqo. Abantu abaninzi abayenzanga loo nto — nalabo abafuna uncedo kakhulu bancinci kakhulu. Ngoko ke, le ayisiyo nkqubo. Yingxelo.
Ithini ngaphakathi
Izinto ezintlanu ezibalulekileyo
Akukho donga lweekhowudi. Iinkcukacha ezichaziweyo ezitshintsha into oza kuyisenza emva koko - nganye isebenza ukusuka kumhla kunye nenani kwisaziso sakho.
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Iindawo ezilahlekileyo
Iindleko ezincinci eziphindaphindwayo ezihlala phantsi komda apho ungaziqonda khona. Ii-euro ezisithandathu ngenyanga azibhaliswanga. Ii-euro ezisibhozo nesixhenxe ngeminyaka zibhaliswa.
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Ixabiso elikhululekileyo linyuka
Inkampani enye, umhla omnye ngenyanga, inani eliphezulu. Akukho mntu ufumana ezi, kuba akukho nto ibonisa ukuba
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I-Akhawunti ye-2010
Ityala eliwela kuphela minyaka le lilula ukulilibala kwaye lihlala likhulu. Siyiphawula xa ukhona ugqiba.
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Iikopi
Iinkonzo ezimbini ezisebenza umsebenzi ofanayo — iinkqubo ezimbini zokugcinwa kwecloud, izibophelelo ezintathu zokudlulisa akukho mntu ujonge.
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Iinkqubo ezixhaswa
Iindidi eziqhelekileyo kunye nabarhwebi bakho abaphezulu abakhoyo, ngemimiselo yobhekiso ekhutshwe kwigama.
Ukwaphula
Siza kukuhlawulisa ukuba urhoxise ubhaliso lwakho.
I-Rocket Money ifumana iindleko zakho eziphindaphindwayo ngokukhululekileyo, emva koko icela ubhaliso ukuze uyirhoxise kuwe. I-Trim ixoxa ngeetyala zakho kwaye igcina isibini sesibini semali egcinwe kunyaka wokuqala. Sizifumana, sizibiza, sikunika ikhonkco kunye nenombolo yefowuni. Eli candelo lisimahla kwaye lihlala linjalo — siza kuthatha imali yembali kunye neendlela ezisetyenziswayo kunokuba siyibuyisele into ongayifuni ukuyithenga.
Bona umqondiso wokukhutshwaI-What this isn't
Iimpawu ezilahlekileyo ngokuzithemba
Ezi zizinto azikho kwi-roadmap. Zizinto ezikwenza uphume kwi-roadmap yokugqibela.
Akukho kungena
Akukho mqolo ogcinwayo, akukho zilumkiso, kwaye akukho nto ilahlekile ukuba awuyihoyi kwinyanga.
Akukho zididi ezigcinwayo
Awuzukwazi ukutsala utshintshiselwano kwi-buckets. Ukuba uhlobo aluchanekanga, aluchanekanga — alukumsebenzi owenziwe ekhaya.
Akukho tyala elimiselweyo
Sifuna ukuba ubeke i-imeyili kwi-imeyili yakho.
Imibuzo
Ulwazi olufunekayo
Ithini isizathu sokuba ndicacise?
Ifundwa kwimemori ukuvelisa ingxelo yakho, emva koko ihamba. Ayibhaleki kwi diski, ayigciniwe, kwaye akukho akhawunti yokudibanisa kuyo. Vala i-tab kwaye akukho nto ihlala ngayo.
Ngaba kufuneka ndixhume ibhanki yam?
Hayi. Asiyi kucela i-bank credentials kwaye akukho xhumano kwi-Plaid. Unika i-PDF eyamkelweyo eyamkelweyo yi-bank yakho.
Ufumana njani izibophelelo ngaphandle koluhlu lweenkampani?
Kwimpazamo, hayi kwi-database. Ukuba umrhwebi omnye uhlawulisa ngesantya esiqhelekileyo, oko kubhaliso — nokuba yi-Netflix okanye i-gym yasekuhlaleni akukho mlandeleli owaziyo. Oku kuthetha ukuba sifumana abo ababonakaliyo njengesoftware.
Ukuba ukurhoxisa kusimahla, uthengisa ntoni?
Imbali kunye neendlela. Ingxelo enye ikhululekileyo ngonaphakade, iquka yonke into efunyenwe kunye nolwazi olupheleleyo lokurhoxisa. Uhlawula ukongeza ukulandela umkhondo wenyanga ngenyanga, ii-akhawunti ezininzi, isilumkiso phambi kokuba ityala leminyaka lifike, kunye nengxelo ethunyelwe nge-imeyile kuwe ngokuzenzekelayo.
Ichanekile kangakanani?
Sidibanisa yonke intengiselwano esiyifumanayo kwaye siyijonge ngokuchasene nemali evulekileyo neyovalayo eshicilelwe kwisaziso sakho. Ukuba ayisasebenzi, siyakuchaza oku phezulu kwengxelo kunokuba sibonise ngokucokisekileyo inani elingalunganga. Ukufunyanwa okuphindaphindiweyo kudinga iindleko ezimbini ukusuka kumrhwebi omnye ukuze ubone imodeli, ngoko ke unyaka omnye ufumana ngaphantsi kweenyanga ezintathu.
Uza kundixelela ukuba ndiyaphuma?
Akukho nqaku, akukho phawu olubomvu lokuba uchitha ngaphezulu, akukho cebiso malunga necoffee. Ixela into eyenziweyo kwaye ishiya umbono wakho.
Iphepha elinye ngaphambili.
Ithatha malunga nemizuzu engama-30 kwaye ayihlawuli nto.
Yenza ingxelo yam