Ke rare, kodwa ngamanye amaxesha bank iya wenze impazamo
Bank reconciliations Eli nqaku kwi imali vs enizifumene iyabala uza ndiyicaciseXa ujonge yakho iincwadi, ufuna ukwazi baya ibonakalisa inyaniso. Ukuba nxowa yakho kwaye yakho iincwadi musa thelekisa phezulu, ungakwazi end phezulu bechitha imali musa ngenene kuba okanye ubambe kwi imali ungakwazi kuba investing kwishishini lakho. Ukulawula yokungena nokuphuma kwemali zenza inxalenye ukulawula nasiphi na ishishini. Reconciling yakho yebhanki zonyaka ikuvumela khangela ubudlelwane phakathi xa imali kwangena kwishishini lakho kuthe kwangena nxowa yakho, kwaye isicwangciso njani ukuqokelela kwaye ukuchitha imali ngokufanelekileyo. Umzekelo, ungakwazi ukuhlawula a umthengisi yi-khangela, kodwa babenako tamper ngayo, ukwenza isixa-mali withdrawn elikhulu, kwaye ke imali kuyo. I-discrepancy ingaba bonisa phezulu xa ufuna reconcile yakho yebhanki ingxelo. Okanye mhlawumbi share a edibeneyo i-akhawunti yakho kunye ishishini iqabane lakho. Xa abo zoba imali kwi-akhawunti yakho ukuhlawula kuba kushishino inkcitho yezimali enokwenzeka, ababenako thatha ngaphezu kokuba irekhodi iincwadi. Ngaba nento yokuba qaphela oku msinyane kangangoko ufuna reconcile yakho yebhanki ingxelo. Ngethemba nawe zange kuphulukana nayo nayiphi na kulala worrying malunga ubuqhetseba kodwa reconciling bank zonyaka ngomnye unokwazi uqinisekise ukuba ayi eyenzekayo. Ukuba kukho discrepancy kwi-akhawunti zakho ukuba awunokwazi zichaza nayiphi na enye indlela, ibe ixesha kuthetha ukuba umntu kwi-bank. Xa usenza bank uxolelwaniso, kufuneka kuqala ukufumana eyenziweyo ukuba banoxanduva kuba yakho iincwadi nxowa yakho ekubeni ngaphandle ngaxeshanye. Ngoko ke, ngaba irekhodi ntoni yaye ne esingangezelelwanga. Siza kuhamba phezu ngalinye inyathelo lesi-ngakumbi inkcukacha, kodwa kuqala ngabo yakho iincwadi ehlaziyekileyo. Baya kufuneka ibe ukuze i-bank uxolelwaniso ukusebenza.
Ukuba ufuna anayithathela fallen ngasemva kwi yakho bookkeeping, sebenzisa zethu babambisa phezulu bookkeeping isalathiso ukufumana emva ngomhla we-ingoma (okanye hire kuthi ukwenza yakho babambisa phezulu bookkeeping kuba ufuna).
I-ungqinelwano wabhala yakho iincwadi kwaye ungqinelwano kwinxowa yakho iya kuyanqaphazekaarely zange kube kanye kanye efanayo.
Esinye isizathu oku kukuba yakho yebhanki unakho ngaphandle kwentlawulo imirhumo iinkonzo ezifana ukwenza unikezelo okanye ukulondoloza i-akhawunti.
Enye kukuba inokuba kolibaziseko xa transferring imali evela enye i-akhawunti komnye.
Akhonto ezinobungozi malunga imali eseleyo iqinisekisa withdrawals okanye imali eseleyo efakwa ebhankini receipts, ngoko ke ixesha elide kangangoko ufuna ukugcina irekhodi yazo.
Xa ufuna anayithathela figured ngaphandle izizathu kutheni yakho yebhanki nengxelo yakho iincwadi musa thelekisa phezulu, kufuneka ubungqina kubo.
Kukho iindlela ezimbini ukwenza oku. Khetho: qaphela imali kwi-ncwadi."Imali incwadi"yindawo apho kufuneka kuqala imbali debits kwaye amatyala. Ukuba ukhe ubene hayi usebenzisa iyabala software, ngoko ke oku mhlawumbi i-Excel ikhasi okanye handwritten uxwebhu. Ekupheleni ixesha apho ukhe ubene reconciling yakho yebhanki zemali, yenza uludwe kokubhala kutheni kukho discrepancy phakathi yakho yebhanki nengxelo yakho unobumba. Khetho: ibhanki uxolelwaniso ingxelo. Oku iqulathe efanayo ulwazi njengoko a qaphela yakho imali incwadi, kodwa ke kugcinwa kwi fayile njengoko eyahlukileyo uxwebhu.
I-indlela ukhetha ngu ukuya kwi-personal preference kwaye kufuneka.
Cinga xa okanye kutheni kungafuneka ukuba sijonga emva ngokusebenzisa zakho zemali iingxelo kuba yakho yebhanki uxolelwaniso, kwaye apho indlela kokubhala kwenza lo msebenzi kuba lula kuwe ngokusekelwe njani nigcina yakho iimbali. Kuba inkoliso yawo, kukangakanani kuwe reconcile bank nkcazelo iza kuxhomekeka yakho umqulu eyenziweyo. Amanye amashishini, abathe imali ungena kwaye eshiya ii-akhawunti zabo ezininzi phinda-phinda rhoqo ngemini, ndiya reconcile kwi yonke imihla qho. Umzekelo, i restaurant okanye uxakekile retail store zombini inkqubo ezininzi eyenziweyo, kwaye babe reconcile kwi yonke imihla qho. Kwesinye isandla, encinane kwi-intanethi-store ukuba omnye sele imihla xa kukho akukho entsha eyenziweyo kwaphela ayikwazi reconcile kwi zonke iiveki okanye ngenyanga. Ke kubalulekile ukugcina phezulu umhla.
Ngakumbi imibuzo kuwe reconcile yakho yebhanki zemali, lula kubalulekile ixesha ngalinye.
Umzekelo, ukuba ngaba akhange na reconciled yakho yebhanki zonyaka kwi-ezintandathu, kuza kufuneka umva uze ukhangele ezintandathu' kukunceda kakhulu kumgca izinto.
Oku ikuvumela thelekisa esingangezelelwanga
Nokuba oku ebukekayo isigqibo kuxhomekeke umqulu eyenziweyo kwaye yakho inqanaba umonde.
Ke eyona ukuba ingaba rhoqo kwishedyuli. Isigqibo njani imibuzo uza reconcile, ngoko ke intonga kuyo. Oku kuya kuqinisekisa yakho unreconciled bank zonyaka musa pile phezulu kwi-i-intimidating, ixesha-consuming msebenzi. Kwaye uya kuyigcina kuwe ngendlela tune kunye kwishishini lakho ke yokungena nokuphuma kwemali. Ukucinga uyabaleka kushishino ngokuba Greg ke Popsicle Kuma. Xa ufumana yakho yebhanki ingxelo ekupheleni kwenyanga, lento njani reconcile kuyo. Kukho amanyathelo amathathu: ugqirha wakho zemali, adjusting yakho esingangezelelwanga, kwaye kokubhala uxolelwaniso. Ngaba thelekisa yakho yebhanki ingxelo kuba inyanga februwari neqabane lakho imali incwadi echaza kuba isiphelo februwari. Bakhangela ngoluhlobo Sihamba ngapha yakho yebhanki ingxelo, kwaye fumana zilandelayo umgca izinto hayi ibandakanywe yakho imali incwadi. Sihamba ngokusebenzisa imali yakho incwadi, kwaye fumana zilandelayo umgca izinto hayi ibandakanywe yakho yebhanki ingxelo: Nge ukuba ulwazi, ungakhetha ngoku lungelelanisa kunye ungqinelwano ukusuka yakho yebhanki kwaye ungqinelwano ukusuka yakho iincwadi ngoko ke ngalinye ubonisa njani kakhulu imali ngqo nalo. Ngoku ukuba zombini yakho yebhanki nengxelo yakho iincwadi share efanayo end-nyanga ungqinelwano ufebruwari, kufuneka i-real ungqinelwano: dollazi. Xa ufuna mbali uxolelwaniso, wena kuphela mbali tshintsha i-ungqinelwano yakho iincwadi. Utshintsho kwi-ungqinelwano kwinxowa yakho iza kwenzeka"enyanisweni"xa bank iinkqubo imali eseleyo eyenziweyo. Kufuneka isibini iinketho kuba kokubhala yakho yebhanki uxolelwaniso. Omnye yiyo eyenza qaphela yakho imali incwadi (ngokukhawuleza ukuyenza, kodwa ngaphantsi oluneenkcukacha), kwaye enye imele ukuba siqwalaselwe bank uxolelwaniso statement (kuthatha ixesha elide, kodwa ngakumbi oluneenkcukacha). Kuba abanye entrepreneurs, reconciling bank iingxelo yenza uluvo zolile kwaye ungqinelwano. Kwabanye, lenza DIY bookkeeping ukuba kokukhona ngesehlo soxinezelelo kwixesha. Ukuba sikwi ndawo yokugqibela udidi, ibe ixesha yokucinga hiring a bookkeeper abo baya kwenza reconciling kuba kuni.
Funda okungakumbi malunga njani hire ilungelo bookkeeper kuba kwishishini lakho.
Oku ngeposi ku kusetyenziswa kuba ezinolwazi ngeenjongo kuphela kwaye akakwazi eyiyo esemthethweni, ushishino, okanye irhafu ingcebiso. Umntu ngamnye kufuneka udibane yakhe okanye yakhe kunye lamagqwetha, ushishino advisor, okanye irhafu advisor ngokumayela imicimbi referenced kule ngeposi. Bench kuvele akukho eyimali kuba iintshukumo ithathwe kwi-reliance phezu iinkcukacha eziqulathwe apha. Ujoyinela a yovavanyo ka-Bench.
Siza kwenza enye inyanga yakho bookkeeping siqwalaselwe misela lweengxelo zemali kuba ufuna ukugcina.
Akukho koxinzelelo, akukho ikhadi lebhanki letyala ezifunekayo.
