Ukuchitha kulula kunokuhlela.
Ebhizinisini elincane, ukuthenga okungahlelwanga kungadala ukucindezeleka ngokushesha, ngisho noma ithuba libonakala lihle. Ngaphambi kokuthenga izinto zokusebenza, ukuqasha abantu, ukuthuthela endaweni entsha, uku-oda isitoko esiningi noma ukuzibopha emsebenzini omkhulu, hlola izinombolo kuqala.
Ithuba elihle lingase lisalimaze ibhizinisi uma isikhathi singalungile noma izindleko eziphelele bezingeke zicatshangelwe.
Kungani ukuhlela kuyaphumelela ngokuphazamisa
Amabhizinisi amancane azwa zonke izinqumo zokuchitha. Ngokwahlukile kwamakhampani amakhulu anezindawo zokugcina nezindawo zokuboleka, ukuthenga okukodwa okungalungile isikhathi kungathinta indawo yokuhlala, imiholo nezinkokhelo zesitoko kuleyo nyanga.
Ukuhlela akusho ukuthi ungachithi. Kusho ukwazi ukuthi kungani uchitha, ukuthi kubiza malini ngempela, ukuthi imali ihamba nini, kanye nokuthi yini engalindwa.
Incazelo
Izindleko eziphelele
Izindleko eziphelele zokuthenga zifaka konke okudingekayo ukuthenga, ukusebenzisa, ukugcina nokubuyisela, hhayi kuphela intengo esithebhu.
Buza ukuthi le ncitho iyenzelwa ini
Ngaphambi kokuchitha okubalulekile, yiba nenhloso ecacile.
Ingabe lokhu kuzosiza ibhizinisi ukuthi lithole imali eyengeziwe? Ingabe kuzolondoloza isikhathi noma kunciphise izindleko? Ingabe kuyadingeka manje, noma kungalindwa? Ingabe kukhona indlela eshibhile yokuhlola umqondo kuqala? Kuthiwani uma imali engenayo elindelekile ingafiki ngesikhathi?
Akukho konke ukuchitha okubi. Imoto yokuletha ethembekile, ithuluzi elisheshisa umsebenzi wakho, noma isitoko se-oda esiqinisekisiwe konke kungaba ukutshalwa kwezimali okuhle. Ingozi ivela ekuchitheni ngaphandle kokuhlola ukuthi ibhizinisi lingakwazi yini ukuthwala leyo ndleko.
Izinto zokusebenza ezabonakala ziyakhokheleka
Uqhuba ibhizinisi elincane lokubhaka ekhaya futhi ufuna i-ovini yebhizinisi engu-R28 000. I-akhawunti yakho ikhombisa u-R32 000.
Uhlola ibajethi yakho futhi uqaphela ukuthi u-R19 000 wendawo yokuhlala, izithako nokubuyisela isikweletu kufanele zikhokhelwe ngaphambi kokuphela kwenyanga. Ukulethwa nokufakwa kungeza u-R2 500. Ugesi wanyanga zonke uzokhuphuka. Udinga nokuthuthukiswa kokufuthwa okubiza u-R4 000.
Umphumela: Ithegi yentengo yayingu-R28 000, kodwa izindleko eziphelele nesikhathi kwenze ukuthenga kube yingozi manje. Unquma ukonga izinyanga ezintathu ezilandelayo futhi uqashe isikhathi se-ovini ngezikhathi zama-oda amakhulu.
Hlola izindleko eziphelele, hhayi kuphela intengo
Intengo ku-quote noma eshelufini ivame ukungabi yizindleko eziphelele. Cabangela nakho ukulethwa, ukufakwa, ukugcinwa, ukulungisa, ukuqeqeshwa, umshwalense, indawo yokugcina, amalayisense, isikhathi esengeziwe sabasebenzi, ukubuyisela izikweletu nezindleko zokubuyisela.
Ukuthenga okushibhile kungaba kubiza uma kuvame ukuqhekeka, kudinga ukulungiswa njalo, noma kungahlali isikhathi eside. Okokukhetha okubiza kakhulu okunezindleko zokusebenza eziphansi kungabiza kancane ngokuhamba kwesikhathi.
| Okubonayo | Okufanele nokuhlola |
|---|---|
| Intengo yokuthenga | Ukulethwa, ukufakwa, ukusetha |
| Izinto zokusebenza ezintsha | Ukugcinwa, ukulungisa, izingxenye zokubuyisela |
| Ukuqasha usizo | Imiholo, ukuqeqeshwa, amathuluzi, izibopho zentela |
| Indawo enkulu | Indawo yokuhlala ephezulu, amanzi negesi, idiphozithi, izindleko zokuthutha |
| Isitoko esiningi | Indawo yokugcina, ukubola, imali eboshwe kuze kuthengiswe |
Hlola isikhathi: ukuthi imali ihamba nini
Isikhathi singaba sbaluleke kunezindleko. Buza ukuthi kufanele ukhokhe nini, ukuthi le ncitho izokusiza nini ukuthola imali, ukuthi ikhasimende lizokukhokhela nini, ukuthi unayo yini imali ecashini eyanele yokumboza igebe, nokuthi yini enye okufanele ikhokhelwe kule nyanga.
Ukuthenga okunengqondo enyangeni eqinile kungase kube yingozi enyangeni ethulile. Ukuqasha okusebenza lapho ukugeleza kwemali kuqinile kungase kucindezele ibhizinisi lapho amakhasimende ekhokha sekwephuzile.
Ukuqasha ngaphambi kokuhlola igebe
Ufuna ukuqasha umsizi wesikhathi esingxenye ngo-R4 500 ngenyanga. Umsebenzi uyaqala futhi usizo olwengeziwe lungakulondoloza isikhathi.
Uhlola ukugeleza kwemali kwakho futhi ubona ukuthi amaklayenti amabili amakhulu, abo ekukweleta u-R22 000, omabili alindeleke ukukhokha emva kwamasonto ayisithupha. Indawo yokuhlala, isitoko nomholo omusha kufanele zikhokhelwe njalo ngenyanga kungakhathalekile.
Umphumela: Ulibazisa ukuqasha ngenyanga eyodwa, ulandelela ama-invoyisi asele, futhi usetha usuku lokuqala olucacile uma izinkokhelo ezilindelekile zifika.
[!quiz] type:single
Yisiphi isinyathelo sokuqala esiwusizo kakhulu ngaphambi kokuthenga okukhulu kwebhizinisi?
- Theni ngokushesha ngaphambi kokuba intengo ikhuphuke
- Bhala inhloso, izindleko eziphelele nesikhathi
- Buza umngane ukuthi kuzwakala kuyisivumelwano esihle yini
Explanation: Inhloso, izindleko eziphelele nesikhathi zikhombisa ukuthi ibhizinisi lingakwazi yini ukukhokha ukuthenga ngaphandle kokudala ukucindezeleka kwemali ecashini.
Nquma ukuthi yini engalindwa
Akuyona yonke imfuno esheshayo.
Ukuhlunga ukuchitha kungasiza ukuvikela imali ecashini ezibophweni ezibaluleke kakhulu.
Kufanele kukhokhelwe manje, indawo yokuhlala, imiholo, isitoko esibalulekile, ama-akhawunti abathengisi asekwephuzile. Kubalulekile kodwa kungalindwa, ukuthuthukiswa kwezinto zokusebenza, ukulungisa okungaphuthumayo, ukumaketha okungaphezu kwesikhathi. Kuyasiza kodwa akudingekile, izinto ezingasiza kodwa azivimbi umsebenzi wamanje. Akudingeki, ukuchitha okudalwe ukuphazamiseka kunokuba kuyimfuno yebhizinisi.
Lokhu kuhlunga akusho ukungabheki ukukhula. Kusho ukukhetha isikhathi esifanele senqumo ngalinye.
[!quiz] type:true-false
Ithuba elihle lebhizinisi lihlala lifanele ukuchithelwa ngokushesha.
- Iqiniso
- Amanga
Explanation: Ngisho noma ithuba elihle lingase licindezele ibhizinisi uma isikhathi singalungile noma izindleko eziphelele bezingeke zihlelwe. Hlola izinombolo ngaphambi kokuzibopha.
Sebenzisa ukuhlola okulula kokuchitha ngaphambi kokuthenga
Ngaphambi kokuchitha okukhulu, phendula imibuzo emine ngokubhala. Ukubhala kunciphisa izinqumo eziphazamisekayo futhi kudala irekhodi ongalibuyekeza kamuva.
Uma izimpendulo zingacacile, misa. Isinqumo esibambeziwe sivame ukuba ngcono kunaleso esisheshayo esidala ukucindezeleka ezinyangeni eziningi.
[!quiz] type:multi
Yiziphi izindleko okufanele uzifake lapho uhlola izindleko eziphelele zezinto zokusebenza?
- Ukulethwa nokufakwa
- Ukugcinwa nokulungisa
- Umbala wezinto zokusebenza
Explanation: Izindleko eziphelele zifaka konke okudingekayo ukuthenga, ukusebenzisa nokugcina izinto zokusebenza. Ukubukeka akuthinti ukuthi ungakwazi yini ukukhokha.
Iphutha elivamile
Ukuthenga noma ukuqasha ngoba imali ecashini ibonakala iphilile namuhla ngaphandle kokuhlola izibopho ezizayo.
I-akhawunti yebhange egcwele ingafihla indawo yokuhlala, imiholo, izinkokhelo zabathengisi nentela edingeka emasontweni amabili alandelayo. Hlala uhlola okuvele kuzibophwe ngaphambi kokubheka imali ecashini etholakalayo njengemali yokuchitha.
Isinyathelo sakho esilandelayo
Cabanga ngokuthenga okukodwa noma isinqumo sokuchitha osicabangela. Bhala ukuthi kuyenzelwa ini, izindleko eziphelele, ukuthi ungakhokha nini, nokuthi kungalindwa yini. Leyo nothi eyodwa iyihlelo lakho lokuchitha.
Qhubeka ufunde
Usuvele umboza amakhono amakhulu emali kuleli hubu, inzuzo, ibajethi, ukugeleza kwemali, izindleko nezinqumo zokuchitha.
Ihubu elilandelayo lihlola ukukhula, ukuqasha, izinto zokusebenza, izivumelwano nezimali. Lezo zinqumo ziba lula lapho izisekelo zakho zemali sezivele zibekiwe.
Okungalanda
Uhlu lokuhlola izinqumo zokuchitha