Yadda ake lissafin wanda ke bin wane bayan tafiyar ƙungiya (mataki-mataki)
Don lissafin wanda ke bin wane, ba kowa ma'auni ɗaya (abin da ya biya ya rage rabonsa), sai a haɗa mafi bin bashi da wanda ake bi mafi yawa har kowa ya zama sifili.
Tafiyar ta ƙare. Kowa ya koma gida, hotuna suna cikin ƙungiyar hira, tambayar da babu wanda ke son amsawa da hannu ma tana nan: to wane ne ke bin wane? Aisha ta biya gidan haya, Musa ya biya motar, Halima ta biya abincin dare ɗaya, Yusuf kuma bai halarci abincin dare ba amma ya sayo kayan abinci. Haɗa wannan a kai yana ɓaci cikin minti ɗaya.
Akwai hanya da take aiki kullum, tana buƙatar ragewa kawai, kuma tana ba da amsa ɗaya komai wanda ya yi ta. Don lissafin wanda ke bin wane, ku haɗa abin da kowa ya biya da abin da rabon kowa ya kai, sai ku cire don samun ma’auni ɗaya ga kowane mutum. Ma’aunai koyaushe suna jimlawa sifili. Sai wanda ke bin mafi yawa ya biya wanda ake bi mafi yawa, ku maimaita har kowa ya zama sifili.
Yadda ake lissafin kashe kuɗin gama-gari: ku fara da jeri ɗaya
Kuna buƙatar bayanai huɗu ga kowane kuɗin gama-gari: menene, wanda ya biya, nawa, da waɗanda suka raba shi. Wannan ginshiƙi na ƙarshe shi ne wanda mutane ke mantawa da shi. Abincin dare da aboki ɗaya bai halarta ba ba abokai biyar ne suka raba shi ba, yawon kwale-kwalen da mutum uku kawai suka yi kuma ba duka ƙungiyar ce ta raba shi ba.
Ku rubuta shi a wuri ɗaya: bayanin kula, spreadsheet ko manhaja. Idan kashe kuɗin sun kasance da kuɗaɗe daban-daban, ku mayar da kowanne zuwa kuɗi ɗaya tukuna, a farashin da ya yi aiki lokacin da aka biya; raba kuɗaɗe tsakanin kuɗaɗe daban-daban ya bayyana dalili.
Mataki na 1 — Ku lissafa rabon kowane mutum
Ga kowane kashe kuɗi, ku raba adadin tsakanin waɗanda suka raba shi. Yawancin kuɗin tafiya ana raba su daidai tsakanin waɗannan mutane, amma hanyar tana aiki ga kowane irin rabo: adadi daidai, kaso ko ninki, kamar yadda hanyoyi biyar na raba kashe kuɗi suka bayyana. Abin da ke da muhimmanci shi ne rabon kowane kashe kuɗi ya jimlawa adadinsa.
Sannan, ga kowane mutum, ku haɗa rabonsa a dukan tafiya. Wannan shi ne abin da tafiyar ta kashe shi.
Mataki na 2 — Ma’auni = abin da ya biya − rabonsa
Ga kowane mutum, ku haɗa duk abin da ya biya wa ƙungiya, sannan ku cire jimillar rabonsa:
ma’auni = jimillar da ya biya − jimillar rabonsa
Lamba mai kyau tana nufin ƙungiya tana binsa. Lamba mara kyau tana nufin yana bin ƙungiya. Sifili yana nufin ya riga ya daidaita.
Yanzu ku duba aikinku: ma’aunai dole su jimlawa sifili daidai. Kowace naira da wani ya biya rabon wani ne, don haka jimillar abin da aka biya da jimillar duk rabo lamba ɗaya ce. Idan jimillar ba sifili ba ce, kashe kuɗi ko rabo ba daidai ba ne, kuma kada a fara daidaitawa har sai an gyara.
Mataki na 3 — Ku haɗa mafi girman mai bashi da mafi girman wanda ake bi
Wannan shi ne lissafin wanda ke bin wane da kansa, kuma sashen da ke daidaita kashe kuɗin ƙungiya da gaske:
- Ku ɗauki mutumin da ma’aunin sa ya fi zama mara kyau da wanda ma’aunin sa ya fi zama mai kyau.
- Mai bashin ya biya wanda ake binsa ƙaramin cikin adadin biyun. Aƙalla ɗayansu ya zama sifili yanzu.
- Ku maimaita da sauran har sai kowane ma’auni ya zama sifili.
Kowane biyan kuɗi yana kawo aƙalla mutum ɗaya zuwa sifili, don haka ƙungiya ta mutane n tana buƙatar aƙalla n − 1 biyan kuɗi a mafi yawa. Dalilin da wannan ke aiki, da dalilin da zai iya aika muku kuɗi daga wanda bai taɓa biya muku ba, an bayyana shi a yadda sauƙaƙa bashi ke aiki. Ga ɓangaren amfani.
Misali da aka lissafa: wanda ke bin wane bayan tafiya zuwa Abuja
Aisha, Musa, Halima, Yusuf da Zainab sun yi dogon ƙarshen mako a Abuja. Zainab ta iso rana ɗaya a makare don haka ta rasa tuƙin zuwa Dutsen Zuma, Yusuf bai halarci abincin dare na kifi ba, kuma Aisha, Halima da Zainab ne kaɗai suka yi yawon kwale-kwale.
| Kashe kuɗi | Wanda ya biya | Adadi | Waɗanda suka raba | Kowane rabo |
|---|---|---|---|---|
| Gidan haya, dare 3 | Aisha | ₦750,000 | Dukan biyar | ₦150,000 |
| Hayar mota da mai | Musa | ₦320,000 | Aisha, Musa, Halima, Yusuf | ₦80,000 |
| Abincin dare na kifi | Halima | ₦260,000 | Aisha, Musa, Halima, Zainab | ₦65,000 |
| Kayan abinci | Yusuf | ₦150,000 | Dukan biyar | ₦30,000 |
| Yawon kwale-kwale | Zainab | ₦165,000 | Aisha, Halima, Zainab | ₦55,000 |
| Tikitin gidan tarihi | Musa | ₦75,000 | Dukan biyar | ₦15,000 |
| Jimilla | ₦1,720,000 |
Mataki na 1 da na 2 tare. Rabon Aisha shi ne ₦150,000 + ₦80,000 + ₦65,000 + ₦30,000 + ₦55,000 + ₦15,000 = ₦395,000. Na Yusuf ₦150,000 + ₦80,000 + ₦30,000 + ₦15,000 = ₦275,000, domin bai halarci abincin dare ba kuma bai yi yawon kwale-kwale ba. Ga lissafin kowa:
| Mutum | Ya biya | Rabo | Ma’auni |
|---|---|---|---|
| Aisha | ₦750,000 | ₦395,000 | +₦355,000 |
| Musa | ₦395,000 | ₦340,000 | +₦55,000 |
| Halima | ₦260,000 | ₦395,000 | −₦135,000 |
| Yusuf | ₦150,000 | ₦275,000 | −₦125,000 |
| Zainab | ₦165,000 | ₦315,000 | −₦150,000 |
| Jimilla | ₦1,720,000 | ₦1,720,000 | ₦0 |
Dubawa: 355 + 55 − 135 − 125 − 150 = 0. Ana bin Aisha da Musa ₦410,000 tare, Halima, Yusuf da Zainab kuma suna bin daidai ₦410,000.
Mataki na 3. Zainab tana bin mafi yawa (−₦150,000) Aisha kuma ana binta mafi yawa (+₦355,000): Zainab ta biya Aisha ₦150,000, kuma ana bin Aisha ₦205,000 har yanzu. Na gaba, Halima (−₦135,000) ta biya Aisha ₦135,000; ana bin Aisha ₦70,000 har yanzu. Yusuf (−₦125,000) ne na gaba, Aisha kuma har yanzu ita ce mafi girman wadda ake bi: Yusuf ya biya Aisha ₦70,000, ya bar Yusuf a −₦55,000. Yanzu Musa kaɗai ake binsa: Yusuf ya biya Musa ₦55,000.
Biyan kuɗi huɗu, kuma kowa yana a sifili. Idan aka rubuta shi a matsayin bashi daban-daban, daga kowane mutum da ya raba kashe kuɗi zuwa wanda ya biya shi, tafiyar nan ta zama takardun bashi ashirin, ko goma ma bayan an gwada kowane abokai biyu da juna.
Lokacin da hanya mai sauƙi take ba da biyan kuɗi fiye da larura
Haɗa mafi girma da mafi girma yana da sauri kuma ba ya buƙatar fiye da n − 1 biyan kuɗi, amma yana iya rasa hanya mafi gajarta. Ɗauki abokai biyar masu ma’auni: Sani +₦40,000, Kabiru +₦30,000, Ladi −₦20,000, Maryam −₦20,000 da Nura −₦30,000.
Mafi girma-da-mafi girma yana ba da biyan kuɗi huɗu: Nura ta biya Sani ₦30,000, Ladi ta biya Kabiru ₦20,000, sai Maryam ta biya Kabiru ₦10,000 da Sani ₦10,000. Amma Nura tana bin daidai abin da ake bin Kabiru. Idan kuka haɗa su da farko, sauran abu ne mai sauƙi: Nura ta biya Kabiru ₦30,000, Ladi ta biya Sani ₦20,000, Maryam ta biya Sani ₦20,000. Biyan kuɗi uku.
Don haka kafin Mataki na 3, ku nemi daidaito tabbatacce, mai bashi da yake bin daidai abin da ake bin mai bi, ku daidaita waɗannan nau’i-nau’i tukuna. A ƙungiyar abokai, wannan dubawa ɗaya yawanci yana kai ku mafi ƙarancin biyan kuɗi.
Kuskuren da ke ɓata lissafin
- Barin mai biya daga kashe kuɗinsa. Aisha ta biya gidan haya, amma ta kwana a ciki ma; rabonta na ₦150,000 yana ƙidayuwa.
- Raba komai tsakanin kowa. Wanda bai halarci abincin dare ba ya kamata rabonsa ya zama sifili, ba kashi ɗaya cikin biyar ba.
- Rubuta mayar da kuɗi a matsayin sabon kashe kuɗi. Canja kuɗi tsakanin abokai biyu yana canza ma’aunan su biyun kawai; ba kuɗi ba ne da ƙungiya ta raba.
- Daidaitawa a kan jimilla da ba ta jimlawa sifili ba. Ku gyara jerin da farko.
Da zarar kuna da biyan kuɗin, aika su abu ne mai sauƙi; daidaita bashi ba tare da kunya ba yana magana game da neman.
Inda Donget ke shigowa
Donget yana yin waɗannan matakai uku duk lokacin da wani ya ƙara kashe kuɗi. Wanda ya biya yana saita Wanda ya biya ya zaɓi waɗanda ke raba shi, ta Daidai wa Daida, Adadi, Kaso ko Ninki, don haka wanda bai halarci abincin dare ba kawai a bar shi daga ciki. Shafin Ma’auni yana nuna ma’aunin kowane memba, wanda aka riga aka jimla zuwa sifili. Kashe kuɗi zai iya kasancewa da kowane kuɗi, kuma ana mayar da shi zuwa kuɗin ƙungiya a farashin musayar da aka adana a kowane kashe kuɗi.
A ƙarshe, Daidaita bashi yana ba da shawarar mafi ƙarancin biyan kuɗi, yana haɗa bashi don haka za ku iya biyan wanda ba shi ya biya muku ba, An Biya kuma yana rubuta kowanne yayin da yake faruwa. Manhajar ba ta motsa kuɗi; tana riƙe da jeri ɗaya da kowa zai iya dubawa, wanda shi ne ainihin abin da bin diddigin wanda ke binku kuɗi ya ƙunsa. Idan har yanzu kuna zaɓar manhaja, manhajojin kuɗin tafiya a kwatanta ya jera zaɓuɓɓukan.
Tambayoyin da ake yawan yi
Yaya ake lissafin wanda ke bin wane bayan tafiya?
Ku jera kowane kashe kuɗi da wanda ya biya da waɗanda suka raba shi. Ga kowane mutum, ku cire jimillar rabonsa daga abin da ya biya don samun ma’auni. Sai wanda ke bin mafi yawa ya biya wanda ake bi mafi yawa, ku maimaita har kowa ya zama sifili.
Yaya ake raba kashe kuɗi tsakanin abokai da ba duka suka shiga ba?
Ku raba kowane kashe kuɗi tsakanin waɗanda suka raba shi kawai. Abokin da bai halarci abincin dare ba rabonsa a ciki sifili ne; ma’aunin sa har yanzu abin da ya biya ne ya rage rabon da ya samu da gaske.
Me ya sa ma’aunai suke jimlawa sifili koyaushe?
Kowace naira da wani ya biya rabon wani ne, don haka jimillar abin da aka biya daidai take da jimillar rabo. Idan ma’aunanku ba su jimlawa sifili ba, an shigar da wani kashe kuɗi ba daidai ba ko an bar wani rabo.
Biyan kuɗi nawa ƙungiya take buƙata don daidaita bashi?
Mafi yawa, ɗaya ƙasa da adadin mutanen da ke da ma’auni marar sifili. Abokai biyar ba sa buƙatar fiye da biyan kuɗi huɗu, sau da yawa ma ƙasa.
Sai na mayar wa mutumin da ya biya mini kuɗi da kansa?
A’a. Ma’aunin ku kawai yake da muhimmanci, don haka ana iya nemanku ku biya wanda bai taɓa biya muku ba. Za ku ƙare daidai yadda za ku ƙare ta kowace hanya.
Idan mun biya da kuɗaɗe daban-daban fa?
Ku mayar da kowane kashe kuɗi zuwa kuɗi ɗaya tukuna, a farashin da ya yi aiki lokacin da aka biya, sannan ku bi matakai uku iri ɗaya.
A taƙaice
Lissafin wanda ke bin wane matakai uku ne: rabo, ma’aunai, sannan daga mafi girman mai bashi zuwa mafi girman wanda ake bi. Ku tabbatar ma’aunai suna jimlawa sifili kafin kowa ya biya, ku nemi daidaito tabbatacce da farko, ƙungiyar mutum biyar kuma tana daidaita a biyan kuɗi huɗu ko ƙasa.
Sauke Donget kyauta ku ga ma’aunai suna jimlawa a wuri ɗaya yayin da tafiyar take ci gaba.
