Rhoqo, kufuneka ubale isiphumo sokugqibela sendibaniselwano eyahlukeneyo yedatha yokufaka. Ke, umsebenzisi uya kuba nakho ukuvavanya zonke iindlela ezinokubakho, khetha ezo, iziphumo zokusebenzisana kwayo, kwaye, ekugqibeleni, khetha ezona zinto zibalulekileyo. E-Excel, kukho isixhobo esikhethekileyo sokwenza lo msebenzi - "itafile yedatha" ("itafile ekhonayo"). Masifumanise ukuba ungawasebenzisa njani ukwenza le meko ingentla.
Ukongeza, kunokuqatshelwa ukuba isixa sentlawulo yenyanga kwi-12,5% ngonyaka ngamnye ofunyenwe ngenxa yokusetyenziswa kwetafile ehambelana nomdla owazifumanayo ngokusebenzisa umsebenzi ofanayo. Oku kwakhona kungqina ukuchaneka kobalo.
Emva kokuhlalutya olu luhlu lwetafile, kufuneka kuthiwe, njengoko sibona, kuphela kwinqanaba le-9.5% kuphela liphuma kwinqanaba elamkelekileyo lentlawulo yenyanga (elingaphantsi kwe-ruble engaphantsi kwenyanga engama-29,000).
Isifundo: Ukubalwa kwe-annuity ihlawula kwi-Excel
Indlela yesi-2: Sebenzisa isixhobo esineempawu ezimbini
Ewe kunjalo, ukufumana iibhanki okwangoku, ezinika imali mboleko phantsi kwe-9.5% ngonyaka, kunzima kakhulu, ukuba kunjalo. Ke ngoko, makhe sibone ukuba loluphi ukhetho olukhoyo kwinqanaba elamkelekileyo lentlawulo yenyanga kwindibaniselwano yenye yezona zinto ziguqukayo: ubungakanani bomzimba wemali mboleko kunye nexesha lemali yemali mboleko. Kwangelo xesha, izinga lenzala liya kushiywa ingatshintshi (12.5%). Ukusombulula lo msebenzi, siya kunceda isixhobo "setheyibhile yedatha" usebenzisa izinto ezimbini eziguquguqukayo.
- I-Blackmith New Arbar Argatur. Ngoku kumagama eekholamu aya kuboniswa ixesha lokuthenga ngetyala (ukusuka kwiminyaka eli-2 ukuya kweli-6 kwiinyanga), kunye nemigca-ubukhulu bomzimba wemali mboleko (ukusuka kwi-R50000 kwinyathelo kwii-ruble ezili-10,000). Kule meko, imeko enyanzelekileyo kukuba iseli, apho ifomula yobalo ifumaneka khona (kwimeko yethu, i-PLT yethu, i-PLT) yayikumda wamagama emiqolo kunye neekholamu. Ngaphandle kokwenza le meko, isixhobo asizukusebenza xa sisebenzisa izinto ezimbini.
- Emva koko sabela lonke uluhlu lwetafile, kubandakanya igama leekholamu, imiqolo kunye neeseli ezinefomula yePLT. Yiya kwi-"data" ithebhu. Njengakwixesha elidlulileyo, cofa kwi "Uhlalutyo" uza kuthini xa "", kwi "Isixhobo sedatha". Kuluhlu oluvula, khetha "itafile yedatha ...".
- "Itheyibhile yedatha" isixhobo sewindows uqala. Kule meko, siya kufuna omabini amasimi. Kwimilinganiselo "yokufakelwa endaweni yekholamu kwi" ntsimi, bonisa ukulungelelaniswa kweseli equlethe ixesha lemali mboleko kwidatha eyintloko. Kwimilinganiselo "yokufakelwa endaweni ye" ntsimi, chaza idilesi yeseli yeparamitha yemithombo eneempawu zemali mboleko. Emva kokuba kufakwe i-data Iqhosha le "Kulungile".
- Le nkqubo yenza ukubalwa kwaye kugcwalisa uluhlu lwedatha ye-tabitur. Kwindlela yokuhlangana yemiqolo kunye neekholamu, ngoku ungajonga ukuba yintoni intlawulo yenyanga, ngexabiso elihambelanayo leepesenti zonyaka kunye nexesha lemali mboleko echaziweyo.
- Njengoko ubona, amaxabiso amaninzi. Ukusombulula eminye imisebenzi, kunokubakho okungakumbi. Ke ngoko, ukwenza ukukhutshwa kweziphumo ezibonakalayo kwaye ziqwalasele ngokukhawuleza ukuba yeyiphi amaxabiso engayizanelisi imeko ethile, unokusebenzisa izixhobo zokubonwa. Kwimeko yethu, iya kuba kukufomatha imeko. Sibalaselisa ngayo yonke imilinganiselo yoluhlu lwetafile, ngaphandle kwezihloko zemiqolo kunye neekholamu.
- Sifudukela kwithebhu "yasekhaya" kunye nodongwe kwi "forming yeMiqathango". Ibekwe kwindawo "yezixhobo ze-STyles" kwi-ribbon. Kwimenyu yokuyeka emsebenzini, khetha eyona nto "yokwabiwa kweZisele". Kuluhlu olongezelelweyo lokunqakraza kwisikhundla "ngaphantsi ...".
- Ukulandela oku, ukuseta ukufomatha ngokwemiqathango kuvula. Kwintsimi yasekhohlo, sicacisa isixa esingaphantsi kwemali esiya kugxininiswa ngayo. Njengoko ukhumbula, siyasilisa apho intlawulo yenyanga yenyanga iya kuba ngaphantsi kwe-ruble 29,000. Ngenisa eli nani. Kwintsimi elungileyo, kunokwenzeka ukuba ukhethe umbala wokukhetha, nangona ungayishiya ngokungagqibekanga. Emva kokuba zonke iisetingi ezifunekayo zingenisiwe, udongwe kwiqhosha "Kulungile".
- Emva koko, zonke iiseli, amaxabiso ahambelana nemeko echazwe apha ngasentla iya kugxininiswa ngombala.
Emva kokuhlalutya uluhlu lwetafile, unokwenza isigqibo. Njengoko ubona, kunye nexesha lokuboleka ngoku (ngeenyanga ezingama-36) lokutyala imali echazwe apha ngasentla yentlawulo yenyanga, kufuneka sithathe imboleko mali engadlulanga i-80,000.00, i-40,000 ingaphantsi kokucwangciswa kwasekuqaleni.
Ukuba sisamisele ukuthatha imali mboleko yee-ruble ezingama-900,000, ixesha lokuthenga ngetyala kufuneka libe yiminyaka emi-4 (iinyanga ezingama-48). Kuphela kule meko, ubungakanani bentlawulo yenyanga ayiyi kudlula kumda omiselweyo we-ruble ezingama-29,000.
Ke, ukusebenzisa le theyibhile uluhlu kunye nokuhlalutya "ngo" kunye "nokuchasene" nenketho nganye, obolekayo banokuthatha isigqibo esithile kwiimeko zokubongoza ngokukhetha eyona ndlela yokuphendula iyodwa.
Ewe kunjalo, itheyibhile yokufaka endaweni ingasetyenziswanga kuphela ukubala iinketho zetyala, kodwa nokusombulula ubunzima beminye imisebenzi.
Isifundo: Ukufomatha ngokwemiqathango e-Excel
Ngokubanzi, kufuneka kuqatshelwe ukuba itafile ebeka endaweni iyiluncedo kwaye ilula ngokulula ukufumanisa iziphumo kunye nokudityaniswa okwahlukileyo kwezinto eziguquguqukayo. Ukufaka isicelo sefomati yokufota kwabantu ngokwexeshana nayo, ukongeza, unokubona ulwazi olufunyenweyo.