Izinqumo eziphathelene nemali zenziwa njalo ngesonto, ukukhokha irenti, ukuthenga isitoko, ukukhokhela ezokuthutha noma ukwamukela umsebenzi omusha. Ngaphandle kohlelo, kulula ukusebenzisa imali ezintweni ezibonakala ziphuthuma bese ungazinaki izinto ezibalulekile.
Isabelomali siwuhlelo lwemali yebhizinisi lakho. Sikusiza ukuba ulinganisele ukuthi ingakanani imali engase ingene, ingakanani okufanele iphume nokuthi yini ibhizinisi elingakwazi ukuyikhokhela ngaphambi kokuzibophezela.
Isabelomali senzani ngempela?
Isabelomali siwuhlelo olulinganisela ukuthi ingakanani imali ibhizinisi lakho elilindele ukuyithola nokuyisebenzisa esikhathini esithile, ngokuvamile inyanga.
- Ibajethi
- Ibajethi lihlelo elilinganisa ukuthi ibhizinisi lakho lilindele ukuthola futhi lichithe malini ngaphezulu kwesikhathi esibekiwe, ngokuvamile inyanga.
Sicabange njengemephu, hhayi isiqinisekiso. Lapho ukuthengisa kushintsha noma kuvela izindleko obungazilindele, ulungisa imephu. Okubalulekile ukusihlola njalo, hhayi ukuthola zonke izinombolo zinembile ngokuphelele ngesikhathi sokuqala.
Izingxenye ezine zesabelomali esilula
Isabelomali ngasinye esiwusizo siqala ngezingxenye ezine: imali engenayo elindelekile, izindleko ezingaguquki, izindleko eziguqukayo, kanye nezindleko ezenzeka kanye noma zesikhathi esizayo.
| Ingxenye yesabelomali | Lokho ekuhlanganisayo | Kungani kubalulekile |
|---|---|---|
| Imali engenayo elindelekile | Imali oyilindele ngokweqiniso ukuyithola | Iyisiqalo sokuhlela |
| Izindleko ezingashintshi | Izindleko ezihlala zicishe zifane njalo ngenyanga | Kufanele zikhokhwe ngisho nasenyangeni lapho ukuthengisa kuhamba kancane |
| Izindleko ezishintshayo | Izindleko ezishintsha kuye ngokuthi uthengisa noma ukhiqiza kangakanani | Ziyakhuphuka noma zehle kuye ngomsebenzi owenzayo |
| Izindleko ezenzeka kanye | Izindleko ezingavamile njengemishini noma ukuvuselelwa kwaminyaka yonke | Zingaphazamisa ukuhamba kwemali uma zingahlelwanga kusenesikhathi |
Imali engenayo elindelekile: yiba nengqondo, hhayi nethemba kuphela
Bhala phansi imali olindele ukuyithola ngokweqiniso kule nyanga. Sebenzisa izinombolo zangempela lapho kungenzeka khona, ukuthengisa kwangaphambilini, ama-oda aqinisekisiwe, amakhasimende ajwayelekile noma imisebenzi elindelekile.
Ungakhi isabelomali sakho ngethemba kuphela. Uma amakhasimende amathathu ajwayelekile evamise ukukhokha cishe u-R8 000 ehlangene, sebenzisa lokho njengesiqalo. Uma kukhona i-oda elikhulu elingase lingene, libhale ngokwehlukana kunokuba ulibale njengemali eqinisekisiwe.
Ukwakha ibajethi ngethemba
Uqhuba ibhizinisi elincane lokulungisa nokunakekela izingadi. Ikhasimende elingase lisebenzisane nawe likhuluma ngomsebenzi wengadi ka-R25 000 ongase uqale ngenyanga ezayo.
Wakha sonke isabelomali sakho ngokusekelwe kulowo msebenzi owodwa, kodwa ikhasimende liyabambezela ukwenza isinqumo bese ekugcineni liqinisekisa umsebenzi omncane ka-R6 000 kuphela.
Umphumela: Isabelomali sakho besibale imali engazange ingene. Irenti nophethiloli bekusafanele kukhokhwe, futhi imali yaba ncane ngoba uhlelo belusekelwe entweni engaqinisekisiwe.
Ukulinganisela imali engenayo ngendlela enengqondo kukuvikela ekuhleleni ukusebenzisa imali ongakabi nayo.
Izindleko ezingaguquki: lokho okukhokha njalo ngenyanga
Izindleko ezingaguquki yizindleko ezivamise ukuhlala zifana njalo ngenyanga, irenti, amaholo, izinkontileka zocingo, umshwalense, ukukhokhwa kwemalimboleko, okubhaliselwe, indawo yokugcina impahla kanye ne-inthanethi.
Lezi zindleko kufanele zikhokhwe ngisho noma ukuthengisa kuhamba kancane. Yingakho kufanele zibe ngezokuqala ozibhalayo esabelomali sakho. Ibhizinisi elinezindleko eziningi ezingaguquki lidinga imali engenayo njalo ukuze likwazi ukuqhubeka ngezikhathi lapho umsebenzi umncane.
Izindleko eziguqukayo: lokho okushintsha kuye ngomsebenzi wakho
Izindleko eziguqukayo ziyashintsha kuye ngokuthi wenza umsebenzi ongakanani. Isitoko, izinto zokusebenza, uphethiloli, izinto zokupakisha, abasebenzi besikhashana, izindleko zokulethwa, ugesi ohlobene nokukhiqiza kanye nokulungisa kuvame ukuba kulesi sigaba.
Lapho ukuthengisa kukhuphuka, izindleko eziguqukayo nazo zivamise ukukhuphuka. Lapho ubeka intengo yomsebenzi noma yomkhiqizo, kufanele uqinisekise ukuthi lezi zindleko ziyakhokheleka ngaphezu kwezindleko zakho ezingaguquki.
- Izindleko ezishintshayo
- Izindleko eziguqukayo yizindleko zebhizinisi ezikhuphukayo noma ezehlayo kuye ngokuthi uthengisa, ukhiqiza noma uletha okungakanani.
Izindleko ezenzeka kanye: hlela ngaphambi kokuba zikumangaze
Ezinye izindleko azenzeki njalo ngenyanga, kodwa kusadingeka zifakwe ohlelweni lwakho. Imishini, ukulungiswa kwezimoto, amalayisensi, ukuvuselelwa kwaminyaka yonke, izinkokhelo zentela, amadiphozithi, imifaniswano, ukuqeqeshwa, izinhlelo zokusebenza kanye nemikhankaso yokumaketha kungakumangaza uma ungazihleli kusenesikhathi.
Beka eceleni imali encane njalo ngenyanga yalezi zindleko ezingavamile, noma ubhale ukuthi zizokhokhwa nini ukuze zingaqondani nenyanga lapho ukuthengisa kuhamba kancane.
Sebenzisa isabelomali ngaphambi kokusebenzisa imali
Isabelomali siwusizo kakhulu lapho sikuqondisa ekwenzeni izinqumo, hhayi lapho sihlala ekhabetheni.
Ngaphambi kokusebenzisa imali, zibuze: Ngingakwazi yini ukukukhokhela lokhu manje? Kuzokwenzekani uma amakhasimende ekhokha sekwephuzile? Yiziphi izindleko okufanele zikhokhwe kuqala? Yini engalinda? Ingakanani imali okufanele ngiyibeke eceleni? Ingabe lokhu kusebenzisa imali kuzosiza ibhizinisi ukuthi lithole imali eyengeziwe?
Ukuhlola ngaphambi kokuzibopha
Ufuna ukuthenga imoto yokudiliva esike yasetshenziswa ngo-R45 000. Ibhalansi yamanje ye-akhawunti yakho ibukeka iyinhle njengoba ingu-R38 000.
Uhlola isabelomali sakho bese ubona ukuthi u-R22 000 wezindleko ezingaguquki nezinkokhelo zabahlinzeki kufanele ukhokhwe ngaphambi kokuphela kwenyanga. Imali engenayo elindelekile kule nyanga ingu-R35 000, kodwa u-R12 000 wayo awukakakhokhwa.
Umphumela: Ukuthengwa kwemoto kuyahlehliswa. Isabelomali sikhombise ukuthi imali etholakalayo kanye nezinkokhelo ezizayo akukashiyi imali eyanele yokuthenga imoto okwamanje.
Yakha umkhuba wokwenza isabelomali sanyanga zonke
Beka eceleni isikhathi esifushane ekuqaleni kwenyanga ngayinye ukuze wenze noma ubuyekeze isabelomali sakho. Imizuzu eyishumi nanhlanu yanele ukuze uqale.
Ekupheleni kwenyanga, qhathanisa lokho obukuhlelile nalokho okwenzeke ngempela. Lowo mehluko, phakathi kwesabelomali nalokho okwenzeke ngempela, yilapho ufunda khona kakhulu.
Iphutha elivamile
Ukwenza isabelomali kanye kuphela bese ungasibuyekezi lapho ibhizinisi lishintsha.
Isabelomali esenziwa ezinyangeni eziyisithupha ezedlule singase singakhombisi irenti entsha, izindleko zikaphethiloli ezikhuphukile, ikhasimende elisha noma isikhathi lapho umsebenzi uthule khona. Sihlole futhi usilungise njalo ngenyanga. Isabelomali esilula esisetshenziswa njalo singcono kunesabelomali esinemininingwane eminingi kodwa esesiphelelwe isikhathi.
Isinyathelo sakho esilandelayo
Bhala imali engenayo elindelekile, izindleko ezingaguquki, izindleko eziguqukayo kanye nanoma yiziphi izindleko ezenzeka kanye kule nyanga. Qhathanisa imali engenayo nephumayo ngaphambi kokwenza isinqumo sakho esilandelayo esikhulu sokusebenzisa imali.
Qhubeka nokufunda
Isihloko esilandelayo simayelana nokuthi kungani ukuthengisa kungasho ngaso sonke isikhathi ukuthi imali isikhona.
Isabelomali sihlela lokho okufanele kwenzeke. Ukuqonda isikhathi sokungena nokuphuma kwemali kukukhombisa ukuthi imali ingena nini ngempela, nokuthi kungani inyanga enhle yokuthengisa isengakushiya unemali encane.
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