4. Hlukanisa Imali Yebhizinisi Nemali Yomuntu Siqu

Imali ingenana e-akhawuntini ngemva kokuthi ikhasimende likhokhe.

Bese uthenga isitokwe. Ukhokhela ukuthutha. Uthenga ukudla. Uthumela imali kumhlinzeki. Uthatha imali yasekhaya.

Ekupheleni kweviki, imali ihambe ngezindlela eziningi futhi umbuzo owodwa obalulekile uba nzima ukuwuphendula:

Yimalini yale mali eyeyebhizinisi?

Lapho imali yebhizinisi nemali yomuntu siqu ihlanganiswe, i-akhawunti ematasatasa ingafihla ukuthi kwenzekani ngempela. Ukuhlukanisa imali kukunikeza impendulo ecacile.

Kungani imali exubile idala izinkinga

Imali e-akhawuntini ayisho njalo imali etholakalayo yokuchitha komuntu siqu. Ingxenye yayo ingase idingeke kakade yesitokwe, irenti, intela, amaholo, ukuthutha noma inkokhelo yomhlinzeki.

Uma usebenzisa imali engenayo yebhizinisi ngaphandle kokuyirekhoda, ungacabanga ukuthi ibhizinisi linenali enkulu kunalokho elinayo ngempela. Kamuva kufika inkokhelo ebalulekile futhi imali ayisekho.

Imali exubile yenza nokugcina amarekhodi kube nzima. Kufanele ubheke ukuthenga komuntu siqu, izinkokhelo zomndeni nezindleko zebhizinisi ngaphambi kokuthi uqonde ibhizinisi.

Inkinga akuyona ukuthi umnikazi usebenzise imali engenayo yebhizinisi ngezidingo zomuntu siqu. Inkinga ukuthi imali yathathwa ngaphandle kohlelo noma irekhodi elicacile.

Ukuhlukanisa kubukeka kanjani

I-akhawunti yebhange yebhizinisi ehlukile ivamise ukuba yindlela ecacile kakhulu. Inikeza imali engenayo nezindleko zebhizinisi indawo yazo futhi idala isitatimende sebhange esilula ukusiqonda.

Uma ungekabi nakho ukuvula i-akhawunti yebhizinisi, yakha ukuhlukanisa okucacile okutholakalayo kuwe. Ungasebenzisa i-akhawunti, isikhwama noma indlela yokukhokha eqondene nebhizinisi kuphela.

Umthetho ulula: Imali yebhizinisi ihamba ngohlelo lwebhizinisi. Imali yomuntu siqu ihamba ngohlelo lomuntu siqu.

Ukuhlukanisa akudingi ukuba kuphelele ngosuku lokuqala. Kufanele kube kucace kunayizolo.

Sebenzisa izigaba ezine ezicacile zemali

Ukuhamba kwemali ngakunye kufanele kungene esigabeni esisodwa kwezine: imali engenayo yebhizinisi (izinkokhelo zamakhasimende, amadiphozithi nokuthengisa), izindleko zebhizinisi (isitokwe, uphethiloli womsebenzi, irenti, idatha noma izinkokhelo zomhlinzeki), imali ekhokhelwa wena (iholo, ukukhipha komnikazi noma enye inkokhelo erekhodiwe), kanye nemali yomuntu siqu efakwe ebhizinisini (imali egciniwe esetshenziselwa isitokwe, izinsiza noma izindleko eziphuthumayo).

Lezi zigaba zikusiza uqonde ukuthi kungani imali ingene noma yaphuma ebhizinisini. Zivimbela futhi imali yomuntu siqu ukuthi ifihle izinkinga zebhizinisi ngaphandle kwerekhodi.

Zikhokhe ngendlela ecacile

Usebenza ebhizinisini, ngakho kujwayelekile ukudinga imali kulo. Okubalulekile ukunquma ukuthi inkokhelo izokwenzeka kanjani futhi uyirekhode kahle.

Ungakhetha inani elimisiwe, inkokhelo ejwayelekile yeviki noma yenyanga, noma ukukhipha okurekhodiwe lapho ibhizinisi lingakwazi ukukhokha. Ukuphathwa okufanele kuncike ekutheni ungumnikazi oyedwa, umlingani noma umnikazi wenkampani. Buza umabhala-mali noma uchwepheshe wentela ukuthi izinkokhelo kuwe kufanele zirekhodwe kanjani ngesakhiwo sakho.

Indlela ejwayelekile ikunikeza ukulawula okukhulu kunokuthatha amanani ahlukene noma nini lapho imali ifika. Iphinde isize ibhizinisi lihlele.

Kuthiwani uma ibhizinisi lingakakwazi ukukukhokha?

Lokhu kungenzeka lapho ibhizinisi lisisha noma imali iyinkinga. Rekhoda okuthathayo, ngisho noma inani lishintsha. Bese uhlole ukuthi ibhizinisi likhokhisa ngokwanele yini, liqoqa izinkokhelo ngokushesha ngokwanele futhi lilawula izindleko zalo.

Lapho usebenzisa imali yomuntu siqu yebhizinisi

Abanikazi abaningi basebenzisa imali egciniwe yomuntu siqu ukuthenga isitokwe, ukulungisa izinsiza noma ukuvala igebe elifushane lemali. Naleyo mali kufanele irekhodwe.

Bhala usuku nenani, ukuthi imali ikhokheleni, nokuthi iyimali oyifaka ebhizinisini noma imali ibhizinisi okufanele likukhokhele. Uma kulindelwe ukuthi ibhizinisi likukhokhele, yenza lokho kucace ngokuyibheka njengesikweletu ebhizinisini. Ukuphathwa kokubhala izincwadi kungahluka ngesakhiwo sebhizinisi, ngakho cela usizo lochwepheshe lapho kudingeka.

Ngaphandle kwerekhodi, ungase ukhohlwe kamuva ukuthi imali yomuntu siqu engakanani eyangene ebhizinisini noma uthathe imali kabili ngoba ukuhlela kwakungacacile.

Indlela elula yokuhlola inkokhelo ngayinye

Ngaphambi kokuthi imali iphume e-akhawuntini yebhizinisi, misa kancane. Lokhu kwebehizinisi noma kwami ngomuntu siqu? Kukhona irisidi noma inothi elichaza lokhu? Iyirekhodiwe esigabeni esifanele?

Setha kabusha uhlelo lwakho lwemali kuleli sonto

Akudingeki ulinde inyanga entsha noma unyaka wezimali. Qala ngemali onayo manje.

Ekupheleni kweviki, kufanele ukwazi ukuchaza imali esebhizinisini ngaphandle kokusesha ukuchitha komuntu siqu okungahlobene. Lokho kuyintuthuko.

Iphutha elivamile

Iphutha elivamile ukulinda ibhizinisi libe likhulu ngaphambi kokuhlukanisa imali. Ukuhlukanisa kulula lapho ibhizinisi lisencane. Uma imali ihlala ixubile isikhathi eside, kuba nzima ukuqonda inzuzo, ukulungisa ulwazi lwentela noma ukufakazela imali engenayo lapho ufaka isicelo sezimali.

Isinyathelo sakho esilandelayo

Kuleli sonto khetha i-akhawunti noma isikhwama esisodwa semali yebhizinisi. Thumela izinkokhelo ezintsha zamakhasimende lapho, urekhode imali oyithathela wena, futhi uhlole izindleko zebhizinisi ezizayo ngaphambi kokuchitha.

Qhubeka ufunda

Isihloko esilandelayo ukulungela amakhasimende amakhulu.

Amakhasimende amakhulu avame ukucela imininingwane yebhange ecacile, amarekhodi athembekile nobufakazi bokuthi ibhizinisi lingaphatha umsebenzi. Ukuhlukanisa imali kukusize unikeze lolo lwazi ngokuzethemba.

Okungadawunilodiwe

Uhlu lokuhlola ukuhlukanisa imali