Izinqumo zemali zenzeka njalo ngeviki, ukukhokha indawo yokuhlala, ukuthenga isitoko, ukumboza ezokuthutha, ukwamukela umsebenzi omusha. Ngaphandle kohlelo, kulula ukuchitha kulokho okuzwakala kuphuthumayo futhi uphuthelwe okubalulekile.
Ibajethi lihlelo lemali yebhizinisi lakho. Likusiza ukulinganisa okungangena, okufanele kuphume, nokuthi ibhizinisi lingakwazi ukuthini ngaphambi kokuzibopha.
Okwenza ngempela ibajethi
Ibajethi alibikezeli ikusasa ngokuphelele. Likunika isithombe esisebenzayo ongasihlola futhi usibuyekeze.
Incazelo
Ibajethi
Ibajethi lihlelo elilinganisa ukuthi ibhizinisi lakho lilindele ukuthola futhi lichithe malini ngaphezulu kwesikhathi esibekiwe, ngokuvamile inyanga.
Cabanga ngayo njengemephu, hhayi isiqinisekiso. Lapho ukuthengisa kushintsha noma indleko ikushaqisa, ulungisa imephu. Inani likukubheka njalo, hhayi ukuthola yonke inombolo ngqo ngokokuqala.
Izingxenye ezine zebajethi elula
Ibajethi ngalinye eliwusizo liqala ngezingxenye ezine: imali engenayo elindelekile, izindleko ezingashintshi, izindleko ezishintshayo, kanye nezindleko ezenzeka kanye noma ezizayo.
| Ingxenye yebajethi | Okumboza | Kungani kubalulekile |
|---|---|---|
| Imali engenayo elindelekile | Imali oyilindele ngokweqiniso ukuyithola | Ibeka indawo yokuqala yokuhlela |
| Izindleko ezingashintshi | Izindleko ezihlala zifanayo cishe njalo ngenyanga | Kufanele zikhokhelwe ngisho nenyanga ethulile |
| Izindleko ezishintshayo | Izindleko ezishintsha ngokuthi uthengisa noma ukhiqiza kangakanani | Zikhuphuka futhi zehle ngomthwalo wakho womsebenzi |
| Izindleko ezenzeka kanye | Izindleko ezingajwayelekile ezifana nezinto zokusebenza noma ukuvuselelwa kwaminyaka yonke | Zingashaqisa ukugeleza kwemali uma zingahlelwanga |
Imali engenayo elindelekile: yiba nengqondo, hhayi nethemba kuphela
Bhala ukuthi ulindele ukuthola malini ngokweqiniso kule nyanga. Sebenzisa izinombolo zangempela lapho kungenzeka khona, ukuthengisa kwangaphambilini, ama-oda aqinisekisiwe, amakhasimende aphindaphindayo noma imisebenzi elindelekile.
Ungakhi ibajethi yakho kuphela ngethemba. Uma amaklayenti amathathu ajwayelekile avame ukukhokha cishe u-R8 000 ndawonye, sebenzisa lokho njengendawo yokuqala. Uma i-oda elikhulu lingase lifike, libhale ngokuhlukile esikhundleni sokulibala njengento eqinisekile.
Ukwakha ibajethi ngethemba
Uqhuba insizakalo encane yokulungisa izindawo. Ikhasimende elingaba khona lisho iphrojekthi yengadi engu-R25 000 engase iqale ngenyanga ezayo.
Wakha ibajethi yakho yonke ngaleyo msebenzi owodwa, kodwa ikhasimende libambeza isinqumo futhi liqinisekisa umsebenzi omncane ongu-R6 000 esikhundleni salokho.
Umphumela: Ibajethi yakho yayicabanga imali engafikanga. Indawo yokuhlala nephethiloli kwakufanele zisakhokhelwa, futhi imali ecashini yaba ncane ngoba uhlelo lwakhiwe ekungqinisekisweni.
Ukuqagela imali engenayo ngokweqiniso kukuvikela ekubeni uhlele ukuchitha ongakakwazi ukukukhokha.
Izindleko ezingashintshi: okhokhelwa njalo ngenyanga
Izindleko ezingashintshi yizindleko ezivame ukuba yifanayo njalo ngenyanga, indawo yokuhlala, imiholo, izinkontileka zefoni, umshwalense, ukubuyisela izikweletu, ukubhalisa, indawo yokugcina ne-inthanethi.
Lezi zindleko kufanele zikhokhelwe ngisho noma ukuthengisa kuhamba kancane. Lokho kwenza kube yizindleko zokuqala ozibhalayo ebajethini. Ibhizinisi elinezindleko ezingashintshi eziphakeme lidinga imali engenayo evamile ukuze lisinde ezikhathini ezithulile.
Izindleko ezishintshayo: okushintsha ngomthwalo wakho womsebenzi
Izindleko ezishintshayo zishintsha kuye ngokuthi wenza umsebenzi omungakanani. Isitoko, izinto, uphethiloli, ukupakisha, abasebenzi besikhashana, izimali zokuletha, ugesi ohlotshaniswa nokukhiqiza nokulungisa zivame ukufaka kuleli qembu.
Lapho ukuthengisa kukhula, izindleko ezishintshayo zivame ukukhula nawo. Lapho ubeka intengo yomsebenzi noma umkhiqizo, lezi yizindleko okufanele uzimbozile ngaphezu kwezindleko zakho ezingashintshi.
Incazelo
Izindleko ezishintshayo
Izindleko ezishintshayo yizindleko zebhizinisi ezikhuphuka noma zehla kuye ngokuthi uthengisa, ukhiqiza noma uletha kangakanani.
Izindleko ezenzeka kanye: hlela ngaphambi kokuba zikushaqise
Ezinye izindleko azenzeki njalo ngenyanga, kodwa zisadinga isikhundla ohlelweni lwakho. Izinto zokusebenza, ukulungisa imoto, amalayisense, ukuvuselelwa kwaminyaka yonke, izinkokhelo zentela, amadiphozithi, izingubo zomsebenzi, ukuqeqeshwa, isofthiwe nemikhankaso yokumaketha konke kungafika ngokungalindelekile uma ungabheki.
Beka isamba esincane njalo ngenyanga ngezindleko ezingajwayelekile, noma bhala ukuthi zikhokhelwa nini ukuze zingahlangani nenyanga yokuthengisa ethulile.
[!quiz] type:single
Yisiphi isindleko esingase sihlale sifanayo ngisho noma ukuthengisa kuhamba kancane?
- Isitoko nezinto
- Indawo yokuhlala
- Uphethiloli wokuletha
Explanation: Indawo yokuhlala iyindleko engashintshi, ivame ukuba yifanayo njalo ngenyanga kungakhathalekile ukuthi uthengisa kangakanani. Isitoko nephethiloli yizindleko ezishintshayo ezishintsha ngomthwalo wakho womsebenzi.
Sebenzisa ibajethi ngaphambi kokuchitha
Ibajethi liwusizo kakhulu uma liqondisa izinqumo, hhayi uma lihlala emgodini.
Ngaphambi kokuchitha, buza: Ngingakwazi ukukhokha lokhu manje? Kuthiwani uma amakhasimende ekhokha sekwephuzile? Yiziphi izindleko okufanele zikhokhelwe kuqala? Yini engalindwa? Kufanele ngigcine malini eceleni? Ingabe le ncitho izosiza ibhizinisi ukuthi lithole imali eyengeziwe?
Ukuhlola ngaphambi kokuzibopha
Ufuna ukuthenga imoto yokuletha esetshenzisiwe ngo-R45 000. Ibhalansi ye-akhawunti yakho yamanje ibonakala iphilile ngo-R38 000.
Uhlola ibajethi yakho futhi ubona ukuthi u-R22 000 wezindleko ezingashintshi nezinkokhelo zabathengisi kufanele zikhokhelwe ngaphambi kokuphela kwenyanga. Imali engenayo elindelekile yenyanga ingu-R35 000, kodwa u-R12 000 walokho usengasekho.
Umphumela: Ukuthenga kulinda. Ibajethi yakhombisa ukuthi imali ecashini etholakalayo nezibopho ezizayo azikushiyanga isikhala esanele semoto okwamanje.
[!quiz] type:true-false
Ibajethi kufanele libe neqiniso eliphelele ngaphambi kokuba liwusizo.
- Iqiniso
- Amanga
Explanation: Ibajethi elula neliqiniso obuyekeza njalo ngenyanga liwusizo olukhulu kunaleli eliphelele ongalibuyekezi. Qala ngezilinganiso futhi uzithuthukise ngokuhamba kwesikhathi.
Yakha umkhuba wakho webajethi wanyanga zonke
Beka isikhathi esifushane ekuqaleni kwenyanga ngayinye ukuze wakhe noma ubuyekeze ibajethi yakho. Imizuzu eyishumi nanhlanu iyanele ukuze uqale.
Ekupheleni kwenyanga, qhathanisa okuhlelwe nokwenzekile ngempela. Lelo gebe, phakathi kwebajethi neqiniso, yilapho ufunda khona kakhulu.
[!quiz] type:multi
Yiziphi izinto ezifanele zibe kubajethi lembizinisi elula?
- Imali engenayo elindelekile ekuthengiseni
- Indawo yokuhlala nomshwalense
- Ukuzijabulisa komuntu siqu ekhaya
Explanation: Ibajethi lembizinisi limboza imali ibhizinisi elilindele ukuyithola nokuyichitha. Gcina ukuchitha komuntu siqu kuhlukile ukuze uhlelo luhlale lucacile.
Iphutha elivamile
Ukukha ibajethi kanye bese ungalibuyekezi lapho ibhizinisi lishintsha.
Ibajethi lezinyanga eziyisithupha ezedlule lingase lingabonisi indawo entsha yokuhlala, ibhili lephethiloli eliphezulu, ikhasimende elisha noma isizini ethulile. Buyekeza futhi ulungise njalo ngenyanga. Ibajethi elula elisetshenziswa njalo liyaphumelela ebajethini eliningiliziwe elivele selidala.
Isinyathelo sakho esilandelayo
Bhala imali engenayo elindelekile, izindleko ezingashintshi, ezishintshayo noma yiziphi izindleko ezenzeka kanye kule nyanga. Qhathanisa imali engenayo neyaphumayo ngaphambi kwesinqumo sakho esilandelayo sokuchitha okukhulu.
Qhubeka ufunde
Isihloko esilandelayo sithi kungani ukuthengisa akuhlali kusho imali ecashini.
Ibajethi ihlela okufanele kwenzeke. Ukuqonda isikhathi sokugeleza kwemali kukukhombisa ukuthi imali ifika nini ngempela, nokuthi kungani inyanga enhle yokuthengisa ingase isazwakala incane.
Okungalanda
Ishidi lebajethi nokugeleza kwemali