Iinkonzo zokuqukumbela zilungise ngokupheleleyo indlela esiyisebenzisa ngayo ukuzonwabisa, zinika ukufikelela okupheleleyo kwithala leemifanekiso-bhanyabhanya, ungcelele, imidlalo ephilayo, kunye nomculo. Indlu ephakathi yase-U.S. ngoku ibhalisa kwimigangatho emine okanye ngaphezulu, nganye ihamba ukuya kwimibhobho yayo enika ingcambu. Ngoxa okuqulethweyo kutsalwayo kutsalwa, icala lemali linokuba nesiphithiphithi-phithi-phithi-phithi-jiko: ukuvavanywa kwemali ngesisa ngentengo, ukusetyenziswa kwemijelo yokukhangela ii-akhawunti, kunye nexabiso lokunyusa imali kutyibilikwa de kufike ingxelo yekhadi lokuthenga ngetyala. Ukufikelela kobuchule bokuqhuba intlawulo kuzakusindisa amakhulu eedola ka-R3 ngonyaka kwaye kugxothle yokungabonwa kwabantu.

Indleko Yokwenene Yemirhumo

Umrhumo othe cwaka wobukho bemali ozibhaptiziweyo othe, u-43% wabathengi bavuma ukuba balahlekelwe yimikhondo ubuncinane kodwa basebenzisa uxinzelelo lokwenene kuqingqo-mali. I-$10.99 yesicwangciso somculo apha, inkonzo yevidiyo apho. Ngokukhawuleza i-$5.49 (R12,50) okanye ngaphezulu iyanyamalala nyanga nganye. Ngokutsho kohlolisiso lwakutshanje, 43% yabathengi bayavuma ukuba baye balahlekelwa ngumkhondo omnye umrhumo abaqhubeka bewuhlawula kodwa bengawusebenzisi. Ingxaki enyukayo ngexabiso lonyaka: imigangatho isoloko ilungisa iindleko ngedola okanye ezimbini, ilingana nokungahoyino okuncinane ngokwaneleyo xa bethengeniswa kwiinkonzo ezininzi.

Ngaphandle kwenkunkuma enganqandwanga, ezi zityholo zibangela uxinezeleko lwengqondo. Kukho uloyiko lokuhlola ingxelo yebhanki, ityala lokufumana imali yokungena nokusetyenziswa, kunye nokudideka kwemihla yokufumana iprotfomu yokuzihlaziya esasazekileyo kwiiplatfomu ezahlukeneyo. Ukusingatha ukuqesha ulawulo lwemali njengesithethe esingundoqo semali yobuqu, `i-schim sokuhlola ingxelo yakho yetyala okanye i-inshorensi yokuhlawula imali okanye ukuhlawula kwakhona imali yakho okanye ukucacisa ingqondo yakho.

Inyathelo 1: Qhoboshela uMphicothi-zincwadi Opheleleyo

Phambi kokuba wenze kakuhle, ufuna uluhlu olupheleleyo. Ukuthembela kwinkumbulo kuphela kuyindlela yokulungisa uphatho. I-data yokutsala evela kwimithombo emininzi:

  • [[FLT: 0] Iingxelo zekhadi lokuthenga ngetyala: Skena iinyanga ezintathu ukuya kwezithandathu zemali ephindaphindwayo. Qaphela ukuba amagama orhwebo asenokungadibani nodaba oluqukuqelayo; iqonga lingabiza ityala kwinkampani yomzali okanye umenzi wemali.
  • [[FLT: 0] App igcina izinikezelo:[[FLT: 1] kwi IOS, yiya Kwimimiselo > ID > Iziqulathi- zincwadi. Kwi Android, vula iSitore Yomdlalo > iibhatala & izinikezeli. Zombini zinikeza uluhlu oludityanisiweyo kwintengiso ye-app kunye neenguqulelo.
  • [[UMTL: 0] Oovimba beposi: phendla ibhokisi yakho engaphakathi ukwenzela amagama afana "lokufumana," "receitt," "invoice," "umrhumo wakho," kunye "nokuphela kwenkqubo". Iinkonzo ezininzi zithumela isiqinisekiso see-imeyili ezinokungcwatywa lula.
  • Izixhobo zokuhlola: IiTV ezichuliweyo, iRuku, iTV yomlilo, kunye neChromecast isoloko ifumana izikhokhelo zabo okanye iziqhagamshelanisi ezibhalisa ngaphandle kwizinto ezigcina iprojekthi.
  • [[UMTL:0] Igalelo loSapho: Ukuba ninesabelo sendlu, buza abanye ukuba basayina na na kwintlawulo esetyenziswayo.

Uxwebhu yonke into kwindawo enye. Iprogram yokubala isebenza ngokumangalisayo: igama lenkonzo yogcino-lwazi, iindleko zenyanga okanye zonyaka, unyaka onika umhla, indlela yokuhlawula, kunye nereyithingi yokusebenzisa. Kubo bakhetha ii-apps, iinkonzo ezifana Imali [ ngokuzenzekelayo iyakwazi ukufumanisa iindleko eziphindaphindiweyo nokuthumela izilumkiso. I-mfomfom ejongeka umkhondo wesandla njengo Ukuvumela ukuba unike ityala lokungenazo iingxelo zebhanki.

Inyathelo lesi-2: Lubeke kwindawo yokuqala iinkonzo zakho

Xa unoluhlu olubalaseleyo, izikhokhelo zeqela ngohlobo: ukuqukuqela kwevidiyo, umculo, ukungcakaza, iindaba, ukuqina, ukugcina amafu, kunye nendawo engaphakathi (iiklasi, iincwadi zesandi, njl.). Oku kubalaselisa ngokukhawuleza ukhuphelo. Intsapho enye ingahlawula ngexesha elinye ngenetflix, Hulu, Max, Disney+, kunye ne Apple TV +/oll yexesha elifanayo lekhusi. Buza ukuba yeyiphi iplatton enikela ngokwenene into ongangenisileyo kuyo kwenye indawo, kwaye enokuthi ivele kwingxolo engasemva.

Yenza ulawulo lobulali

Inyathelo lesithathu: Ukuphumeza inkqubo yokufumana i-ankile kunye nesikhumbuzi

Inkumbulo yomntu iyasebenza, ngoko yenza ukhawuleziso ngokwemihla yakho yokuvuselelwa. Indlela elula yeyekhalenda: yenza iziganeko eziphindaphindayo iintsuku ezimbini phambi kosuku ngalunye oluchazayo ngesaziso. Letha isiganeko ngegama lenkonzo kunye nekhonkco elicacileyo okanye inombolo yefowuni exhasayo. Le khalenda ibe lisebe lakho lomnikezeli.

Ii-apps ezinikezelweyo zinika ubuchule obutyebileyo. [[FLT: 0] Imali ikhonkco kwibhanki yakho, ichaza izinikezelo, kwaye iyakwazi ukudibanisa isantya esisezantsi okanye ukurhoxisa iinkonzo kuwe. Imint[[FLT]] [FLT]] idibanisa izikhokhelo kuqingqo-mali lwakho olubanzi, inika umfanekiso wemali. Ii-chweba ezininzi ngoku ziquka imirhumo eyakhiweyo yemirhumo; khangela i-scroadsboardss; i-m yebhanki yakho ukubona ukuba lo msebenzi ukhona. Nokuba yintoni na isixhobo okhethayo, kufuneka ukhuphe umbatho lwakho lwenyanga kunye nokuhlawula kwimini ezizayo kwi-screact.

Inyathelo 4: Beka Uqingqo - mali Olunentsingiselo uze Unamathele Kulo

Uqingqo-mali lokuzonwabisa aluthethi ukuba uyakwazi ukuthomalalisa; kubandakanya ukuchitha imali ngempazamo. Khangela iziphumo zakho zophicotho-zincwadi uze wenze isigqibo nge-kept emnandi nyanga nganye .(say, R40) egubungela yonke imirhumo yamanani. Xa ukhutshwa ngokutsha kusuka kwiqonga elingakhutshelwanga, uya kuqonda ukuba kufuneka unqande into enexabiso elingako ukuze uhlale ungaphakathi komda wakho.

Iinkonzo ezininzi zihlawula izibophelelo zonyaka kunye nexabiso eliphantsi le-10% ukuya kwi-25% xa kuthelekiswa nokuhlawula intengiso yenyanga nganye. Ukuba inkonzo yemothe ilingana nepateni yakho yokusebenzisa ixesha elide, ukuhlawula minyaka le kunganika ibhanki yokwenene. Kodwa kuphephe ukuhlawula unyaka ngaphandle kokuba ubusoloko uyisebenzisa le nkonzo kangangeenyanga eziliqela; ukuhlawula umkhosi unyaka wokungakhathalelwa kungumgibe oqhelekileyo. Sebenzisa amalungiselelo ocwangcisiweyo ecwangciswe yentsapho egubungela abasebenzisi abaninzi, apho ipetroli nganye ixabisa khona.

Inyathelo 5: Bufunde Kakuhle Ubuchule Bokutsalwa

Abantu badla ngokulibazisela ukurhoxa kuba beyijonga njenge ngxaki. Enyanisweni, eyona nkonzo iphambili ikhupha ii-ports ezicacileyo kwi Internet zorhoxiso, eziqheleke kwimimiselo yetyala. IFederal Trade Commission icebise [[FLT: 0]]“ nqakraza ukurhoxisa” umthetho ozakufuna iinkampani ukuba zirhoxise njengophawu olulula. Phambi kokuba uzibeke kwinkonzo entsha, phendla ngokukhawuleza [igama le-'service] ukurhoxisa umrhumo. Ukuba ibandakanya umnxeba okanye imiqobo efihliweyo, tyala oko kukwenza isigqibo sakho sokubhalisa.

Xa urhoxisa, soloko ugcina iscreenshot sephepha loqinisekiso okanye ugcino i email yoqinisekiso. Olu xwebhu luxabiseke kakhulu ukuba impikiswano ivuka kamva. Rhoxisa iintsuku ezimbalwa phambi komhla wohlaziyo, hayi ngomhla ngokwawo, ukunqanda ulibaziseko lwexesha okanye uqhubekeko olunokubangela ubhatalo olungacwangciswanga.

Lumka kwi “laphu lingena mvume" irhintyela. Ezinye iinkonzo zijinga ixabiso elisezantsi ngexesha olirhoxileyo. Ngelixesha uheha, ezi zinika umgibe kumzila wokuphinda uqale inkonzo ongayifuniyo. Yamkela kuphela ukuba inkonzo ihambelana ngokwenene nosukelo lwakho lwangoku kwaye ixesha elilahliweyo ligquma isicwangciso sekonkrithi.

Inyathelo 6: Naviga iimvavanyo zasimahla kunye nokuthembeka kweqanda

Uvavanyo olukhululekileyo luhlala lungumthombo ophezulu wetyala elingalindelekanga. Uhlolisiso lwesizwe lufumanise ukuba malunga nama-70% abathengi athe athenjiwe emva kwetyala lesisa baceba ukurhoxa. Umzekelo oqhelekileyo: tyikitya ikhadi lokuthenga ngetyala, uthembisa “akukho lityala de liphele ityala.” Ubomi buyangenelela, yaye iintsuku ezisixhenxe okanye ezingamashumi amathathu ziyaphela buhwatsha.

Yamkela isiqinisekiso se-zero-unity session kwityala ngalinye. Emva kokutyikitya, cwangcisa isikhumbuzi somnxeba ngosuku olunye phambi kwesiphelo. Okungcono, khulula ukulingwa kanye. Iinkonzo ezininzi zikuvumela uqhubeke usebenzisa ezi mpawu de ixesha liphele emva korhoxiso, ngaphandle komngcipheko wokuzitshintsha. Jonga ushicilelo oluhle; ukuba ithi “ucancel nanini phambi [kwemini] kwaye ungawinqisanga," ungekabhaliswa," ngaphambi kokuphela kwexesha lokurhoxiswa kukhuselekile.

Amakhadi etyala asisityalo okanye amakhadi okutshisa asuka kwiinkonzo ezifana ne Privitacy.com yongeza umaleko wokhuseleko. Uyakwazi ukuvelisa ikhadi ngomda ongqongqo wokusebenzisa okanye ulivale emva kosetyenziso olunye, uyenza ingabinako inkampani ukukuqesha kamva. Asinguye wonke umrhwebi ozifumanayo, kodwa xa ezi luncedo, zingumkhuseli onamandla.

Inyathelo Le - 7: Ukusabelana Ngentsapho, Ukuxabana, Neenjongo Ezinokucetywa

Amaqonga amaninzi anika izicwangciso zentsapho okanye zeqela eziza kunciphisa ixabiso ngalinye lomsebenzisi. Isicwangciso esisezantsi se-Netflix Premium sixhasa imijelo emine ngexesha elinye kwaye singabelana phakathi kwendlu. Isicwangciso sikaSpohousate sikaDuo okanye sentsapho, icebo lentsapho leYouTube Premium, kunye nelosapho saseAmazon lonke lilungiselela imali egciniweyo.

Yila kwi Telecom imicko. IVerizon, T-Mobile, ne AT&T isoloko iquka ukuqukuqela umrhumo (Disney+, Hulu, Apple TV+, Netflix) kwimibhobho ye-telefoni okanye iiplani ze-intanethi ngaphandle kwexabiso elingaphaya. Khangela i-perks yakho yangoku; usenokuba sele uhlawula inkonzo ongayifumana ngenkululeko. Ngokufanayo, ukwandisa amakhadi okuthenga ngetyala kunika iityala lokungena, ngokunempumelelo ukuhlisa umnatha ngaphandle kwesixhobo sokutsala umna.

Inyathelo 8: Sebenzisa iindlela zobhatala ezinikezelweyo kunye nezilumkiso zexesha lokwenene

Ukukhetha ikhadi elinye lokuthenga ngetyala ngoku phinda-phindekayo. Oku kukhetha izityholo eziphumayo ekuchitheni imali yonke imihla, izenze zibonakale ngoko nangoko kuxwebhu olunye. Kukwalungisa ujongo lokurhoxisa; ukuba elo nani lekhadi lifakelwe umva, kufuneka kuphela uhlaziye umrhumo kunokuba udibanise amakhonkco amaninzi emali yokhangelo lomatshini.

Ukujika uthengiselo lwezilumkiso zelo khadi. Iibhanki ezininzi zingathumela isaziso sokutyhala okanye iSMS kuzo zonke iindleko. Oko kukuthi xa umrhumo uhlaziya ukusebenza njengesikhumbuzi sexesha lokwenene. Ekuhambeni kwexesha, uza kuphawula iipakethi, kwaye nayiphi na ityala le-anomalous, `ixabiso elingachazwanga ngokuphandle liza kutsiba ngaphandle ngokukhawuleza.

Inyathelo 9: Yenza iNgxelo yoMrhumo

Yakha uphicotho-zincwadi lwemirhumo kwikhalenda yakho njengesiganeko esiziphindaphinda rhoqo emva kweenyanga ezintathu. Ukutshintsha kwamaxesha onyaka, kunye nokunqwenela kwakho ukuzanelisa. Inkonzo eyayifuneka kakhulu ngexesha lokufota ebusika ingaqokelela uthuli olululo ngentwasahlobo. Ngexesha lohlolo, uphinde uyisebenzise inkonzo nganye, hlaziya iprograma yakho, kwaye uluthenge uqingqo-mali lwakho ngokufanelekileyo.

Sebenzisa olu hlolo ukuqwalasela ezinye iindlela ezisezantsi. Imigangatho exhaswe nge-freed njenge Tubi, i-Pluto, ne-Freevee ngoku iqhayisa kakhulu, amathala eencwadi ajikelezayo angazalisa izithuba ngaphandle kokuvula ingxowa yakho. Ithala leencwadi lidityaniswe njenge i-Hoopla kunye [[FLT:] iibhaypiki[ ii-bhaymspoiiiiiiiiiiiji, ii-dikshini, kunye neekhoradi ezina khadi lethala. Ukubhatala kuqeshwa iinkonzo ezihlawulwa kunye okanye ezimbini inyanga kukhupho olohlobo lwemali encinane kunezinto ezisebenzayo ngexesha elinye.

Inyathelo 10: Khusela Ugcino - lwazi Lwakho Olubhatalayo Uze Wazi Amalungelo Akho

Ukurhoxisa iakhawunti ejingayo kunokwenzeka xa kwabiwe okanye kusetyenziswa kwakhona. Sebenzisa ii-password ezahlukeneyo, ezomeleleyo zenkonzo nganye, ezigcinwe kumphathi-gama eligqithisiweyo. Yenza uqinisekiso ezimbini naphi na apho inikelwe khona. Ukuba wabelana nge-akhawunti, kuphephe ukusebenzisa indlela yokuhlawula engenakuphikiswa lula; amakhadi okuthenga ngetyala anikezela ngokhuseleko olunamandla kunamakhadi e-debit.

Ngaphantsi koMthetho weNgxowa-mali yoMsebenzi wezeNgxoxo yoMsebenzi, usoloko uneentsuku ezingama-60 ukusuka kumhla wengxelo yokuphikisana netyala elingagunyaziswanga. Xhumana nomnikezi-mali webhanki okanye wamakhadi akho ngokukhawuleza ukuba ubona into oyikrokrelayo. Gcina iirekhodi zesiqinisekiso sokurhoxa kunye naziphi na iileta nenkonzo, njengoko ziza kuxhasa imeko yakho.

Imizekelo Eqhelekileyo Nendlela Yokuyisingatha

Ukunyamekela Iintsapho

Ukuhamba nomntu okanye umntu ohlala naye kudla ngokuphumela ekufumaneni imirhumo ephindaphindwayo. Ukukhetha isicwangciso sentsapho nokucima ii-akhawunti zomntu ngamnye. Dlulisa iimbali kunye neeprojekthi xa iplat ikuvumela. Yiba nencoko evulekileyo malunga namaxabiso okwahlulwa nokusebenzisa i-app yokwahlula-hlula izinto ukugcina izinto zingenakulinganiswa.

Xa Inkonzo Inyusa Ixabiso Layo

Amaxabiso anyukayo aqhelekile. Xa ufumana isaziso, musa ukusamkela ngokuphandle. Buza ukuba ixabiso elitsha lisabonisa ixabiso olifumanayo. Ukuba akunjalo, tshintshela kwithala elixhaswe yi-ad ukuba likhona okanye lirhoxisiwe ngokuphandle. Ngamanye amaxesha ukuqala inkqubo yokurhoxisa kubangela ukunikezela ngebhayiselo elidala kangangeenyanga ezimbalwa ezingaphezulu. Yamkela kuphela ukuba lilingana noqingqo-mali lwakho olucwangcisiweyo.

Iziqulathi Zeefayili Eziphinda-phindiweyo Zengozi

Kulula ngokumangalisayo ukubhalisa nge-website yomgcini-ndlu, usebenzise i-website yomgcini-ndlu, uphumele kwintlawulo ezimbini. Uphicotho-zincwadi lwakho luza kufumana ezi zixhobo zidityanisiweyo. Urhoxise enye uze ucele i-reftice ukuze uyifumane. Iinkampani ezininzi ziyaziqonda iimpazamo ezinyanisekileyo xa uzama ukuxhasa ngokukhawuleza.

Izixhobo kunye nezibonelelo zolawulo lwexesha elide

Ngelixesha iprogram yokubala ikhululekile kwaye izimele ngokupheleleyo, izixhobo ezinikezelweyo zingangena kuyo yonke inkqubo:

  • [[UMTL:0] Imali ye-: ichaza izinikezelo, icima ezingafunekiyo, kwaye incokola ngetyala.
  • [[FLT: 0][FLT]] Imibhobho yemibhobho yemibhobho yendlela : Ibhodi ecacileyo ye web yokulandelela umkhondo wesandla ngexabiso elithe gqi.
  • [[UMTL: 0][FLT]: I-app ehambayo yenzelwe ukuqokelela uminyo olukhawulezileyo kunye nezikhumbuzo.
  • [FLT][1] Privtacy.com: Ngokufumana amakhadi abonisa inkcitho enemida yokuchithela utyikityo kuphawu olukhuselekileyo lovavanyo.

Ukuba ukhetha iprogram yokubala, isikhokelo esikhululekileyo sikhona ukusuka kumanxuwa anjenge [[FLT: 0] Vertext42 okanye kwi window yesikhokelo se Google. Sebenzisa ulungiselelo olunomkhethe ukuqwalasela unikezelo olukwimiqathango ukusondela kumhla wonikezelo.

Incopho yonikezelo

Izixhobo zizodwa aziyi kuyicombulula ingxaki ngaphandle kotshintsho lwendlela yokuziphatha. Phambi kokuba ubethe “kweyisela". nakweyiphina into entsha, qhelisela umthetho [[FLT: 0] weeyure ezingama-24 . Zibuze: Ingaba ngenyani ndinexesha lokusebenzisa oku? Ingaba iyakuzalisa umsantsa ongenaso isigqumo senkonzo esikhoyo? Linjani ixabiso lokwenyani laminyaka yonke ukuba ndiyalibala ukurhoxa? Ukungabhaceki ekubhengezeni ii email ezinyanzela isindululo esitsha nexesha elishwayo; zimbalwa iingcebiso ezikhawulezayo zithetha imiqondiso- ekhawulezayo.

Chaza isizathu sokuba kukho imiqathango ekhoyo nesabandakanyekileyo ekukhetheni ukuba yiyiphi inkonzo ethabatha ixesha elininzi, nto leyo ebangela ukuba umntu akwazi ukufunda nokubhala nokukhumbula izinto eziza kusetyenziswa kwangethuba.

Oko Umele Ukwenze Ukuba Sewugqibile Ukufumana Imali Eninzi

Ukuba ubona isityholo esingalindelekanga, yenza ngokukhawuleza. Qhagamshelana neqela lenkonzo elixhasayo ngokuthetha okanye nge-imeyili. Thelekisa ngokucacileyo umhla wesibhaka- ngxolo, ubungakanani, kwaye kutheni kungalindelekanga. Iinguqu ezininzi ze-Netflix, Hulu, Spoifyd, iza kuphinda zifake ityala lakutshanje ukuba i akhawunti ibingasebenzi kwaye isicelo sakho sisengqiqweni. Ukuba ubhalisile kwivenkile ye-app, cela i-rensing ngqo usebenzisa i-[FLD's [FLT: 0] iNXProot [ice: 1] `Iphepha 1] okanye u-Google Flagle translate' udweliso lwembali. Njengomyalelo wokugqibela, ukuphikisana ngetyala lakho.

Khumbula ukuba ukuxakeka okuthe rhoqo kungenza inkonzo ivale iakhawunti yakho, ngoko ke yehlisa iziqhagamshelanisi ezithe ngqo kuqala.

Ukwakha Ikamva Elineentuthu Ezizinzileyo

Ushishino oluqukuqelayo lukhula; ukuhlanganisa kunye neminikelo eqokelelwe izakuba yinto eqhelekileyo. Ngokumisela imikhwa enamandla yokulawula ngoku, uzibeka ukuba ulungelelanise ngaphandle koxinzelelo lwemali. Thobela imfumba yakho yemirhumo njengendawo yokuqokelela esebenzayo: thena ngokungqongqo, jikelezisa ngesiqu, kwaye uqhubeke ubuza. Ingongoma asikokuphelisa iindleko zokuzonwabisa kodwa ukuqinisekisa ukuba wonke amandla ofaniswe yiyo owathandayo ngokwenene.

Isiphelo

Ukuphepha ukugalela izixa-mali ezingaphezulu kusithela kwimikhwa emithathu: ukhupho olungapheliyo, izikhumbuzi, kwaye wenze ngaphandle kokulibazisa. Ngokudibanisa uxwebhu olucokisekileyo, izixhobo ezikhahliweyo, kunye noqingqo-mali olucwangcisiweyo, ujika umahluko wentlawulo ephindaphindwayo ube yinkqubo yokuzonwabisa elungiswe kakuhle. Qala namhlanje ngophicotho-mali lwemine engama-30 e-minetilitititi yakho yebhanki yakho.