5. Hlela Ngaphambi Kokusebenzisa Imali

Ukusebenzisa imali kulula kunokuhlela.

Ebhizinisini elincane, ukuthenga okungahlelwanga kungadala ingcindezi ngokushesha, ngisho noma ithuba libukeka lilihle. Ngaphambi kokuthenga imishini, ukuqasha usizo, ukuthuthela kwenye indawo, uku-oda isitoko esengeziwe noma ukuzibophezela emsebenzini omkhulu, qala ngokuhlola izinombolo.

Ithuba elihle lisengalimaza ibhizinisi uma isikhathi singalungile noma zonke izindleko zingazange zicatshangelwe.

Kungani ukuhlela kungcono kunokuthenga ngokuxhamazela

Amabhizinisi amancane ayawuzwa umthelela wazo zonke izinqumo zokusebenzisa imali. Ngokungafani nezinkampani ezinkulu ezinemali ebekelwe izimo eziphuthumayo nezindlela zokuthola isikweletu, ukuthenga okukodwa ngesikhathi esingalungile kungaphazamisa ukukhokhwa kwerenti, amaholo nesitoko ngenyanga efanayo.

Ukuhlela akusho ukuthi akufanele usebenzise imali. Kusho ukwazi ukuthi kungani usebenzisa imali, kubiza malini ngempela, imali izophuma nini, nokuthi yini engalinda.

[!definition] Zonke izindleko

Zonke izindleko zokuthenga zihlanganisa konke okudingekayo ukuze uthenge, usebenzise, unakekele futhi ushintshe leyo nto, hhayi nje intengo ebhalwe kuyo.

Buza ukuthi imali isetshenziselwa ini

Ngaphambi kokusebenzisa imali eningi, cacisa inhloso.

Ingabe lokhu kuzosiza ibhizinisi lenze imali eyengeziwe? Ingabe kuzokonga isikhathi noma kunciphise izindleko? Ingabe kuyadingeka manje, noma kungalinda? Ingabe ikhona indlela eshibhile yokuzama lo mbono kuqala? Kuzokwenzekani uma imali elindelekile ingangeni ngesikhathi?

Akukhona konke ukusebenzisa imali okubi. Imoto ethembekile yokudiliva, ithuluzi elisheshisa umsebenzi wakho noma isitoko se-oda eliqinisekisiwe kungaba utshalomali oluhle. Ubungozi buvela lapho usebenzisa imali ngaphandle kokuhlola ukuthi ibhizinisi lingakwazi yini ukuthwala zonke izindleko.

Uhlola isabelomali sakho bese uthola ukuthi u-R19 000 werenti, izithako kanye nenkokhelo yemalimboleko kufanele kukhokhwe ngaphambi kokuphela kwenyanga. Ukudiliva nokufaka uhhavini kubiza omunye u-R2 500. Izindleko zikagesi zanyanga zonke zizokhuphuka. Udinga nokuthuthukisa indlela yokungenisa nokukhipha umoya, okubiza u-R4 000.

Umphumela: Intengo ebhalwe kuhhavini ibingu-R28 000, kodwa zonke izindleko kanye nesikhathi sokukhokha kwenza ukuthenga kube yingozi okwamanje. Unquma ukonga ezinye izinyanga ezintathu bese uqasha isikhathi sokusebenzisa uhhavini uma unama-oda amakhulu okwamanje.

Hlola zonke izindleko, hhayi intengo kuphela

Intengo esekhotheshini noma ebhalwe entweni ayivamile ukuba yizo zonke izindleko. Cabangela nokudiliva, ukufakwa, ukunakekelwa, ukulungiswa, ukuqeqeshwa, umshwalense, indawo yokugcina, amalayisensi, isikhathi esengeziwe sabasebenzi, izinkokhelo zemalimboleko kanye nezindleko zokushintsha leyo nto.

Into eshibhile ingagcina ibiza kakhulu uma ihlala iphuka, idinga ukulungiswa njalo noma ingahlali isikhathi eside. Into ebiza kakhulu kodwa enezindleko eziphansi zokuyisebenzisa ingase ibize kancane ngokuhamba kwesikhathi.

[!DEFINITION] Izindleko eziphelele

Hlola isikhathi: ukuthi imali ihamba nini

Isikhathi singabaluleka ngaphezu kwentengo. Buza ukuthi kufanele ukhokhe nini, ukuthi lokhu kusebenzisa imali kuzoqala nini ukusiza ibhizinisi lenze imali, ukuthi ikhasimende lizokukhokhela nini, ukuthi unemali eyanele yini yokubhekana negebe, nokuthi yini enye okufanele ikhokhwe kule nyanga.

Ukuthenga okunengqondo ngenyanga enhle kungaba yingozi ngenyanga ethule. Ukuqasha umuntu okusebenza kahle lapho ukuhamba kwemali kuzinzile kungafaka ibhizinisi engcindezini lapho amakhasimende ekhokha sekwephuzile.

[!COMPARISON]
Ufuna ukuqasha umsizi wetoho ngo-R4 500 ngenyanga. Umsebenzi uyanda futhi usizo olwengeziwe luzokongela isikhathi.

Uhlola ukuhamba kwemali bese ubona ukuthi amakhasimende amabili amakhulu, akukweleta u-R22 000 ehlangene, kulindeleke ukuthi akhokhe emasontweni ayisithupha. Irenti, isitoko kanye neholo elisha kufanele kukhokhwe njalo ngenyanga noma kunjalo.

Umphumela: Uhlehlisa ukuqasha ngenyanga eyodwa, ulandelele ama-invoyisi angakakhokhelwa, bese ubeka usuku olucacile lokuqala lapho izinkokhelo ezilindelekile sezingenile.

Nquma ukuthi yini engalinda

Akuzona zonke izidingo eziphuthumayo.

Ukuhlukanisa ukusebenzisa imali ngezigaba kusiza ukuvikela imali ukuze ikhokhele izibopho ezibaluleke kakhulu.

Okufanele kukhokhwe manje, irenti, amaholo, isitoko esibalulekile kanye nezikweletu zabahlinzeki esezidlulelwe isikhathi. Okubalulekile kodwa okungalinda, ukuthuthukiswa kwemishini, ukulungisa okungaphuthumi kanye nokumaketha okungadingeki ngesikhathi esithile. Okuwusizo kodwa okungadingekile, izinto ezingasiza kodwa ezingavimbi umsebenzi wamanje uma zingekho. Okungadingeki, ukusebenzisa imali ngenxa yesifiso sesikhashana kunesidingo sebhizinisi.

Lokhu kuhlukanisa akusho ukungakunaki ukukhula. Kusho ukukhetha isikhathi esifanele sesinqumo ngasinye.

Sebenzisa ukuhlola okulula ngaphambi kokuthenga

Ngaphambi kokusebenzisa imali eningi, phendula imibuzo emine ngokuyibhala phansi. Ukubhala kukusiza ukuthi ungasheshi wenze isinqumo futhi kukunika irekhodi ongaphinde ulihlole kamuva.

[!QUIZ] type:single

1. Bhala ukuthi imali izosetshenziselwa ini nokuthi lokho kuzosiza kanjani ibhizinisi.
2. Bhala zonke izindleko, hhayi intengo ebhalwe entweni kuphela.
3. Hlola ukuthi kufanele ukhokhe nini nokuthi imali elindelekile izongena nini.
4. Nquma ukuthi kufanele kwenzeke manje yini noma kungalinda kuze kube yilapho ukuhamba kwemali sekungcono
   Incazelo: Ngisho nethuba elihle lingafaka ibhizinisi engcindezini uma isikhathi singalungile noma zonke izindleko zingahlelwanga. Hlola izinombolo ngaphambi kokuzibophezela.

Uma izimpendulo zingacacile, yima ungasheshi wenze isinqumo. Ukuhlehlisa isinqumo kuvame ukuba ngcono kunokwenza isinqumo ngokuxhamazela esingadala ingcindezi izinyanga eziningi.

[!QUIZ] type:true-false
Yiziphi izindleko okufanele uzifake lapho uhlola zonke izindleko zemishini?

• Ukudiliva nokufakwa
• Ukunakekelwa nokulungiswa
• Umbala wezinto zokusebenza
  Incazelo: Zonke izindleko zihlanganisa konke okudingekayo ukuze uthenge, usebenzise futhi unakekele imishini. Ukubukeka kwayo akuthinti ukuthi ibhizinisi lingakwazi yini ukuyikhokhela.

Iphutha elivamile

Ukuthenga noma ukuqasha umuntu ngoba imali ese-akhawuntini ibukeka iningi namuhla ngaphandle kokuhlola izibopho ezizayo.

I-akhawunti enemali eningi ingafihla irenti, amaholo, izinkokhelo zabahlinzeki kanye nentela okufanele kukhokhwe emasontweni amabili azayo. Hlala uhlola imali esivele ibekelwe izibopho ngaphambi kokuphatha imali etholakalayo njengemali ongayisebenzisa.

Isinyathelo sakho esilandelayo

Cabanga ngento eyodwa ofuna ukuyithenga noma ngesinqumo esisodwa sokusebenzisa imali osicabangelayo. Bhala ukuthi imali izosetshenziselwa ini, zonke izindleko, ukuthi uzokhokha nini nokuthi kungalinda yini. Lelo nothi elilodwa liwuhlelo lwakho lokusebenzisa imali.

Qhubeka nokufunda

Manje usufunde amakhono ayisisekelo okuphatha imali kuleli habhu, inzuzo, ukwenza isabelomali, ukuhamba kwemali, izindleko kanye nezinqumo zokusebenzisa imali.

Ihabhu elilandelayo libheka ukukhulisa ibhizinisi, ukuqasha abasebenzi, imishini, izinkontileka kanye nokuthola uxhaso lwezimali. Lezi zinqumo ziba lula uma izisekelo zakho zokuphatha imali sezihlelekile.