Ivikhi eliqhudayo lingazwakala njengempumelelo.
Amakhasimende ayafona. Ama-oda ayafika. Imali iyafika ku-akhawunti yakho. Kodwa ukuthengisa akufani nenzuzo. Ibhizinisi lingabonakala liqhuba futhi lingase lingenzi imali eyanele ukuze lisinde.
Ukuze wazi ukuthi uyenza ngempela imali, qhathanisa okuthi ibhizinisi likuthola nani nokuthi kubiza malini ukulisebenzisa. Lo mhlolo olula ushintsha indlela obeka ngayo amanani, ochitha ngayo futhi uhlela ngayo.
Kungani inzuzo ibaluleke kakhulu kunokuphinda kwezindleko
Ukuphinda kwezindleko kuyinani eliphelele lokuthengisa kwakho. Inzuzo yilokho okusele ngemva kokukhokha izindleko zokusebenzisa ibhizinisi.
Abanikazi abaningi bagxila emalini engenayo futhi bacabange ukuthi ibhizinisi liphilile. Lokho kungakudide. Isitoko, ezokuthutha, imiholo, indawo yokuhlala nezinye izindleko zingadla ingxenye enkulu yalokho okuthola.
Incazelo
Inzuzo
Inzuzo yilokho okusele ngemva kokususa izindleko zokuletha umkhiqizo noma insizakalo yakho nezinye izindleko zebhizinisi emalini oyitholile ekuthengiseni.
Uma uqonda inzuzo, ungaphendula imibuzo enzima: Ngabe kufanele ngamukele lo msebenzi? Ngabe ngingakwazi ukuboleka usizo? Ingabe intengo yami iphezulu ngokwanele? Ngaphandle kwalesi sithombe, ungase usebenze kanzima ngaphandle kokuthuthuka.
Qala ngemali engenayo
Imali engenayo yimali ibhizinisi lakho elithola ngokuthengisa imikhiqizo noma izinsizakalo. Ingafika njengemali ecashini, i-EFT, izinkokhelo zekhadi, izinkokhelo zefoni noma amadiphozithi.
Landelela kokubili imali esivele ifikile nemali amakhasimende akho esakukweleta. I-invoyisi engakhokhelwanga yimali engenayo oyilindile, kodwa ayiyona imali ecashini ongayisebenzisa okwamanje.
Inyanga enhle yokuthengisa ephepheni
Uqhuba ibhizinisi elincane lokuphaka. NgoMashi u-oda ama-invoyisi angu-R45 000 emicimbini. Kuzwakala njengenyanga yakho engcono kakhulu.
Kodwa u-R18 000 walokho awukakhokhelwa. Usuvele uchithe u-R28 000 ezithakweni, ezokuthutha nabasebenzi besikhashana ukuze ulethe umsebenzi.
Umphumela: Ukuthengisa kubonakala kuqine, kodwa u-R27 000 kuphela okufikile futhi izindleko seziphezulu kakhulu. Inyanga ayinenzuzo enjengoba ibonakala kuqala.
Ungalandeleli kuphela imali esesikhwameni sakho. Bhala nokuthi ubani osakukweleta nokuthi balindeleke ukukhokha nini.
Bese ubhala izindleko zakho
Izindleko yilokho konke ibhizinisi elichitha ukuze lisebenze. Ezinye zenzeka njalo ngenyanga. Ezinye zikhula kuphela uma wenza umsebenzi noma uthengisa umkhiqizo.
Izindleko ezivamile zifaka isitoko noma izinto, uphethiloli, idatha ne-airtime, indawo yokuhlala, ugesi, imiholo, ezokuthutha, izinto zokusebenza, ukupakisha, ukulungisa, izindleko zebhange, ukubuyisela izikweletu, umshwalense, amalayisense, ukumaketha nemali oyikhipha ebhizinisini ukuze uyisebenzise wena siqu.
Ukuhlola inzuzo okulula
Awudingi ukubala okuyinkimbinkimbi ukuze ubone ukuthi ibhizinisi lenza yini imali. Ukuhlola okuyisisekelo kwezinombolo ezintathu kuyanele ukuze uqale.
| Okulandelayo | Okusho kuwe |
|---|---|
| Imali etholwe ekuthengiseni | Inani lomsebenzi owenziwe noma izimpahla ezithengisiwe |
| Izindleko zokuletha umkhiqizo noma insizakalo | Isitoko, izinto, umsebenzi nokulethwa okuxhumene ngqo nokuthengisa ngakunye |
| Ezinye izindleko zebhizinisi | Indawo yokuhlala, umshwalense, ukubhalisa nezindleko ezingaxhunyiwe nomsebenzi owodwa |
| Umphumela: inzuzo noma ukulahlekelwa | Okusele ngemva kokususwa kwazo zonke izindleko |
Uma umphumela ungcono, ibhizinisi lenze inzuzo. Uma ungaphansi kweziro, ibhizinisi lenze ukulahlekelwa kuleso sikhathi.
[!quiz] type:single
Ibhizinisi lithola u-R10 000 kumakhasimende ngenyanga. Isitoko, ezokuthutha, imiholo nezinye izindleko zibiza u-R9 500. Yini inzuzo ngaphambi kokuba umnikazi azikhokhele?
- R10 000
- R500
- R9 500
Explanation: Inzuzo yilokho okusele ngemva kwezindleko. U-R10 000 minus u-R9 500 kushiya u-R500, futhi umnikazi akakakhokhelwa kahle ngaleyo mali.
Okufanele ukuhlola njalo ngenyanga
Ukuhlola ngenyanga kukusiza ukuthi ubone izinkinga ngaphambi kokuba imali ecashini ibe ncane. Awubheki ukuphelela. Ubheka amaphethini.
Buza wena: Sithengise malini? Imali engakanani efike ngempela? Sichithe malini? Yiziphi izindleko ezibe phezulu kunalokho besilindele? Ubani osakukweleta imali? Yini esisame ukuyikhokha? Kusele malini? Ingabe ibhizinisi lingakwazi ukumelana nenyanga ezayo?
Ukubona inkinga kusenesikhathi
Uqhuba insizakalo yokulungisa yefoni. U-Apreli uzwakala uthule, kodwa awunakwesaba ngoba uMashi wawuqhudayo.
Ekupheleni kwenyanga uqhathanisa izinombolo. Imali engenayo yehle, kodwa indawo yokuhlala, umshwalense nenkontileka yakho yedatha zihlale zifana. Izindleko zephethiloli nesitoko nazo zikhuphuke emisebenzini embalwa oyiqedile.
Umphumela: Ubona igebe ngaphambi kokuba libe yinkimbinkimbi futhi unquma ukulandelela ama-invoyisi amabili asekwephuzile nokulibazisa ukuthenga izinto zokusebenza okungaphuthumayo.
Ukwazi izinombolo zakho kukusiza ukuthi wenze izinqumo ezinhle, hhayi ngemva kokuba imali isiphelile, kodwa ngenkathi usenazo izinketho.
[!quiz] type:true-false
Uma ibhizinisi linamakhasimende amaningi nama-oda aqinile, lihlala lenza inzuzo.
- Iqiniso
- Amanga
Explanation: Ibhizinisi eliqhudayo lingase lilahlekelwe imali uma izindleko zalo ziphezulu kunokuthi liholile. Inzuzo incike emalini engenayo minus izindleko, hhayi ekusebenzeni kuphela.
Yenza ukuhlola kwakho kwezinyanga zonke kwezinzuzo
Awudingi isofthiwe yokubala ukuze uqale. Incwadi yokubhala, isipredishithi noma amanothi alula efoni angasebenza.
Buyekeza izinombolo ngesikhathi esifanayo njalo ngenyanga, ngokwesibonelo, uMsombuluko wokuqala wenyanga entsha. Ukuhlola okufushane okuphindaphindayo kuyigugu kakhulu kunokuhlola okuningiliziwe okuyeka.
[!quiz] type:multi
Yiziphi izinto okufanele uzifake uma ubhala izindleko zebhizinisi?
- Indawo yokuhlala nemiholo
- Isitoko nezinto ezisetshenziswe emisebenzini
- Ukudla kwasekhaya okungahlobene nebhizinisi
Explanation: Izindleko zebhizinisi yizindleko ezidingekayo ukulisebenzisa. Ukuchitha komuntu siqu kufanele kuhlukaniswe ukuze isithombe senzuzo sihlale sicacile.
Iphutha elivamile
Abanikazi abaningi babheka kuphela imali engenayo.
Lokho kuzwakala kuthokozisa, kodwa kufihla isithombe esiphelele. Ibhizinisi lingathola u-R10 000 kumakhasimende ngenkathi isitoko, ezokuthutha, imiholo nezinye izindleko zibiza u-R9 500. Inzuzo ingu-R500 kuphela, futhi lokho kungaphambi kokuba umnikazi azikhokhele kahle.
Ukuhlola imali engenayo ngaphandle kokuhlola izindleko kufana nokulinganisa uphethiloli etankini ngaphandle kokwazi ukuthi usafanele uhambe ibanga elingakanani.
Isinyathelo sakho esilandelayo
Khetha inyanga eyodwa, inyanga edlule iyaphatha, bese wenza ukuhlola inzuzo okulula. Bhala imali engenayo, izindleko nokusele. Noma izinombolo ezilinganiselwe zizokukhombisa okuningi kunokuhlala uqagela.
Qhubeka ufunde
Isihloko esilandelayo sithi ungakha kanjani ibajethi lembizinisi elula.
Uma usuqonda ukuthi ibhizinisi lenza yini imali, ibajethi ikusiza uhlele okungenayo, okufanele kuphume, nokuthi ungakwazi ukuthini ngaphambi kokuchitha.
Okungalanda
Ishidi lokuhlola inzuzo elula