Mndandanda wa Zowonjezereka Zomwe Mungasunge Zakale Zomwe Mungasunge
Pepala ndi ululu, komanso kuyang'anira ndondomeko yopezera kunyumba kungakhale kukoka, koma zolemba zina zomwe mukufunika kuziyika chifukwa simudziwa nthawi yomwe mudzazifuna. Pano pali pulogalamu yoyenera kusungira zikalata komanso ngati mwathera nawo, zomwe mukufuna kuzibisa. Izi ziyenera kukhala ndondomeko yowonetsera mwamsanga popanga ndi kusunga dongosolo lopangira nyumba.
Choyamba, taganizirani kudula papepala limene mumalandira ndipo mutha kumeta kapena kupatula zochepa.
Izi zikutanthauza kuchotsa makalata opanda pake, kulemba ma e-bili ndikusavomereza mapepala, makalata omwe simudzawagwiritsira ntchito, kapena ephemera ena omwe mumamva ngati mukufunika kuti mukhalepo pamene mukudziwa kuti simukutero.
Ngati mukulimbana ndi mapepala osokoneza bongo mpaka pamene mukuganiza kuti mukuwongolera , funsani akatswiri omwe angakutsogolereni njira yochepetsera.
Khwerero yachiwiri ndikutsimikizira kuti muli ndi dongosolo la kasamalidwe kabwino ka makalata . Mukamagwiritsa ntchito makalata omwe mukubwera nawo mogwira mtima, nthawi zambiri muyenera kuchita gawo lalikulu lofalitsa / kubwezeretsanso.
Konzani Njira Yopangidwira
Kuchotsa pepala lanu popanga mapulogalamu a magetsi kukupulumutsani malo ndikukutulutsani pepala lophwanya. Ndizopambana. Masiku ano, makina opanga zamagetsi amapanga zambiri. Kuti muyambe, mukufunikira scanner ndi malo osunga fayilo, foda yanu pamakompyuta kapena mumtambo, ndi galimoto yowongoka kunja.
Konzani mafoda ambiri a zolemba zosiyanasiyana (zitsanzo: banja, msonkho, galimoto, zizindikiro za kubadwa, ndi zina zotero) Simukusowa kuti muzisunga mosungirako zolemba kuchokera pamene mafoni akusefukira magetsi akufufuzidwa.
Kenaka, fufuzani pepala lililonse ndi kusunga mu foda monga momwe zilili.
Kusunga Mapepala Amtengo Wapatali
Kwa zikalata zanu zofunika kwambiri, akatswiri amalangiza kusunga makope.
Izi zikutanthawuza kusunga kopi imodzi mumsungidwe wanu wamtambo ndi wina pa hard drive. Kungatanthauzenso kusunga kopi imodzi mumakalata anu a magetsi ndi kopikira kolimba pamoto wotetezeka.
Sungani Ma Docswa Kwamuyaya
Malemba awa ayenera kusungidwa kwamuyaya:
Zolemba Zophunzira - Dipatimas, zolemba ndi ntchito iliyonse yomwe ingagwiritsidwe ntchito m'tsogolomu pakupempha ntchito.
Masamba Okulandira
Mabatizi Achibatizi
Zizindikiro za Kubadwa
Zizindikiro za Imfa - Zingakhale zofunikira pa msonkho.
Malayisensi a Dalaivala
Zolemba za Ntchito - Zigawo zilizonse, malonjezano, mafayilo oyendetsera ntchito komanso ndondomeko za ntchito.
Zopereka za Chikwati
Zolemba Zamankhwala
Zolemba za Military
Pasiports
Kuchotsa pantchito ndi Zolemba za Pension
Makhadi Otetezera Anthu
Wills
Sungani Kwa Nthawi Yifupi Kwambiri
Mapepalawa mungakhudze nthawi zambiri pamwezi kapena mlungu uliwonse:
Mawu a Banki - mwezi umodzi
Misonkho - chaka chimodzi cha msonkho uliwonse kapena chitsimikizo chogwirizana, ndalama zina zonse ziyenera kuwonongedwa mwamsanga.
Makhalidwe a Khadi la Ngongole - Pukuta mwamsanga pokhapidwa.
Zolembera Zowonjezera Pakhomo - Pitirizani mpaka kunyumba kugulitsidwa.
Zolemba za Investment - zaka zisanu ndi ziwiri mutatseka akauntiyo kapena kugulitsa chitetezo.
Kusinthitsa - Pitirizani mpaka mutachoka ndipo mwalandira ndalama zanu kuchokera kwa mwini nyumba.
Malipiro / Pay Stubs - chaka chimodzi mpaka mutalandira W-2 wanu
Zolandila Zamalonda - Khalani ndi moyo wa chivomerezo. Mwachiwonekere, izi zikugwiritsidwa ntchito pokhapokha kugula kwakukulu monga zipangizo ndi zamagetsi. Nthawi zambiri ndimakhala ndi mapepala a zinthu monga zovala ndi zovala pokhapokha ngati ndikudziwa kuti sindidzafuna kabuku ka kubwerera.
Ma Tax - zaka 7 kuphatikizapo kufikitsa kwanu ndi zolemba zonse monga W-2s ndi mapepala.
Zolemba za Magalimoto - Pitirizani mpaka bwato, galimoto kapena njinga ikugulitsidwa.
Mmene Mungachotse Ma Documents
Zolemba zowonongeka ndi njira yabwino kwambiri yodzitetezera ku kuba. (Werengani kafukufuku wanga ndi katswiri wa chitetezo Jay Foley pa momwe Mungadzitetezere Kuchokera Kudziwa). Ndikudabwa ndi zomwe muyenera kuzibisa? Malamulo onse ali ndi mfundo zotsatirazi ziyenera kusokonezedwa: manambala a akaunti, masiku a kubadwa, mayina a atsikana, mapepala ndi mapepala, zisindikizo, ndi nambala za chitetezo cha anthu.
Apanso, iwo sali-malingaliro.
Nazi zofunikira:
Ngati malemba adakali "ogwira ntchito" mwachitsanzo, muyenera kuwagwiritsira ntchito kuti muwone ndikukhazikitsa dongosolo lopangira nyumba. Izi zikutanthawuza kufotokoza zikalata ndi mutu kenako kuziwaza pokhapokha zitagwiritsidwa ntchito.
Kodi Ndemanga Ziti Zosamalidwe?
Ngati mwathetsa mapepalawa ndipo simukuwafunikanso, apa ndi zomwe muyenera kuzibisa (china chirichonse - monga mapepala - mukhoza kubwezeretsanso).
Mapepala a ATM
Ndemanga za Bank
Mapepala obatizidwa
Kufufuzidwa ndi kutsekedwa
Ndalama zamakhadi a ngongole
Malipoti a ngongole
Malayisensi oyendetsa galimoto (atatha nthawi)
Malemba a ntchito omwe ali ndi chizindikiro chilichonse
Ma pasipoti ndi ma visas anatha
Ndalama za akaunti ya ndalama
Malemba alamulo
Kupereka ndalama, katundu ndi katundu
Zinthu zokhala ndi siginecha (kubwereka, makalata, makalata)
Katundu wamagalimoto
Zolemba zachipatala ndi zamano
Mapepala okhala ndi chiwerengero cha Social Security
Masamba achinsinsi kapena PIN nambala
Malipiro
Mapulogalamu ovomerezedwa kale omwe amavomerezedwa
Zowonjezera ndi manambala a akaunti ya check, nambala za khadi la ngongole kapena zidziwitso zina
Mafomu a msonkho
Zosindikiza zomwe zili ndi zidziwitso kwa iwo
Ulendo woyendayenda
Matanki a ndege
Ndalama zamagetsi (telefoni, gasi, magetsi, madzi, TV, TV)
Onetsetsani kuti muli ndi machitidwe osungira omwe amasungidwa kuti musunge malembawa ndikuwanyengerera pamene sakufunikanso.
Chilichonse chimene mukufuna kukonza chiyenera kuchitidwa, chokonzedwa ndi kutumizidwa. Ndimakonda ndondomeko yanga yosungira kunyumba.