Ibhizinisi lingaba matasa, lithengise, kodwa liphelelwe yimali.
Lokhu kwenzeka lapho isikhathi sokungena kwemali singahambisani nesikhathi sokuphuma kwayo. Ungase uqede umsebenzi namuhla kodwa ukhokhelwe ngemva kwezinsuku ezingama-30. Okwamanje, irenti, amaholo, isitoko kanye nezikweletu zabahlinzeki kungase kudingeke kukhokhwe manje.
Ukuqonda leli gebe, phakathi kokuthengisa nokuba nemali etholakalayo, kungelinye lamakhono abaluleke kakhulu okuphatha imali umnikazi webhizinisi angawathuthukisa.
Ukuthengisa nemali etholakalayo akuyona into efanayo
Ukuthengisa kwenzeka lapho uhlinzeka ngomkhiqizo noma ngesevisi. Imali etholakalayo yimali ekhona ngempela ku-akhawunti yakho ongayisebenzisa.
Uma ikhasimende lingakakhokhi, ukuthengisa kungase kube sekurekhodiwe ku-invoyisi yakho, kodwa imali ayikabi sezandleni zakho. Lokhu kusho ukuthi awukwazi ukuyisebenzisela ukukhokha irenti, amaholo noma isitoko.
- Ukugeleza kwemali
- Ukuhamba kwemali kusho ukungena nokuphuma kwemali ebhizinisini lakho ngokuhamba kwesikhathi. Ukuhamba kwemali okuhle kusho ukuthi kungena imali eningi kunaleyo ephumayo. Ukuhamba kwemali okungekuhle kusho ukuthi kuphuma imali eningi kunaleyo engenayo.
- Amakhasimende akhokhelwayo
- Imali ekweletwa amakhasimende yimali amakhasimende akukweleta yona ngomsebenzi osuwenzile noma ngezimpahla osuzilethile. Yimali olindele ukuyithola, kodwa akukabi yimali ongayisebenzisa.
Inyanga eqhudayo ngezikhumbuzo ezingenalutho
Uqhuba ibhizinisi elincane lokulungisa izakhiwo. Ngesonto elilodwa uqeda imisebenzi emithathu enenani eliphelele lika-R42 000 bese uthumela ikhasimende ngalinye i-invoyisi enemibandela yokukhokha yezinsuku ezingama-30.
Kulelo sonto ukhokha u-R8 000 wezinto zokusebenza, u-R3 500 kaphethiloli kanye no-R6 000 wamaholo. Irenti ka-R5 000 nayo kufanele ikhokhwe.
Umphumela: Ukuthengisa kubukeka kuhamba kahle kakhulu, kodwa ngu-R2 000 kuphela wama-invoyisi amadala osungenile. Ibhizinisi selikhiphe u-R20 500 ephaketheni lalo ngaphambi kokuba kukhokhelwe noma yimuphi umsebenzi omusha.
Kungani ingcindezi yokuhamba kwemali ikhula
Izinkinga zokuhamba kwemali azivamile ukuvela ngokuphazima kweso. Ziyakhula lapho imali ephumayo ihamba phambili kunemali engenayo.
Izimbangela ezivamile zihlanganisa amakhasimende akhokha sekwephuzile, izikhathi ezinde zokukhokha ezibekwa amakhasimende amakhulu, ukuthenga isitoko ngaphambi kokusithengisa, ukukhokhela abahlinzeki ngaphambi kokuba amakhasimende akukhokhele, ukuthatha umsebenzi omkhulu odinga izindleko ngaphambi kokuqala, ukusebenzisa imali elindelekile ngaphambi kokuba ingene, ukukhipha imali eningi kakhulu ebhizinisini, noma ukubhekana nezindleko ezinkulu ezingahlelwanga.
| Lokho ongase ukubone | Lokho okwenzeka |
|---|---|
| Ukuthengisa okuningi ohlwini lwama-invoyisi | Amakhasimende awakakhokhi |
| Ibhalansi yasebhange ibukeka iyinhle namuhla | Kunezikweletu ezinkulu okufanele zikhokhwe ngaphambi kokuba imali engenayo ifike |
| Kutholakale inkontileka entsha enkulu | Izindleko zezinto zokusebenza nezabasebenzi kufanele zikhokhelwe kuqala |
| Kulindeleke inkokhelo ngenyanga ezayo | Irenti namaholo kufanele kukhokhwe kuleli sonto |
Isibonelo esilula: igebe phakathi kokuthengisa nokukhokhelwa
Uthola umsebenzi ka-R30 000. Lokho kuzwakala njengenyanga enhle.
Kodwa ngaphambi kokuba ikhasimende likhokhe, kufanele usebenzise u-R12 000 ezintweni zokusebenza, u-R3 000 kwezokuthutha kanye no-R5 000 kubasebenzi. Ikhasimende likhokha ngemva kwezinsuku ezingama-30.
Kulezo zinsuku ezingama-30, ibhizinisi kufanele likhokhele izindleko zika-R20 000 ngaphandle kokuba imali yomsebenzi isingenile. Uma kufika esinye isikweletu ngaleso sikhathi, irenti, umshwalense noma ukulungiswa kwemoto, ingcindezi ikhula ngokushesha.
Yingakho ukuthengisa kungakhula ngesikhathi imali etholakalayo iba ncane. Ibhizinisi lenza umsebenzi omningi, kodwa imali ayikakangeni ngokushesha ngokwanele.
Vikela ukuhamba kwemali yakho
Imikhuba emihle yokuphatha ukuhamba kwemali inciphisa igebe phakathi kokusebenzisa imali nokuyithola.
Cela idiphozithi lapho kufanele khona, ikakhulukazi emisebenzini emikhulu. Qinisekisa imibandela yokukhokha ngaphambi kokwamukela umsebenzi. Thumela ama-invoyisi ngokushesha futhi ulandelele ama-invoyisi angakakhokhelwa ngaphandle kokulibala. Gwema ukusebenzisa imali engakangeni. Beka imali ethile eceleni ukuze ibhizinisi likwazi ukubhekana nezikhathi lapho umsebenzi uhamba kancane. Hlela izindleko ezinkulu ngaphambi kokuzibophezela kuzo.
Ukucela idiphozithi
Ikhasimende elisha lifuna ukuthi uhlinzeke futhi ufake amashalofu enziwe ngokwezidingo zalo anenani lika-R18 000. Izinto zokusebenza zizodwa zibiza u-R7 500 futhi kufanele zi-odwe kusenesikhathi.
Ucela idiphozithi engu-40% ngaphambi koku-oda izinto zokusebenza. Ikhasimende liyavuma bese likhokha u-R7 200 ngaphambi kokuba umsebenzi uqale.
Umphumela: Ingxenye enkulu yezindleko zezinto zokusebenza isikhokhelwe ngaphambi kokuba ibhizinisi lithwale bonke ubungozi. Ingcindezi yokuhamba kwemali iyancipha futhi mancane amathuba okuthi umsebenzi ufake ibhizinisi enkingeni yezimali.
Landela ukuthi imali ihamba nini, hhayi ukuthi ingakanani kuphela
Indlela elula yokubheka ukuhamba kwemali ilandelela izinto ezine: ukuthi amakhasimende kulindeleke akhokhe nini, ukuthi abahlinzeki kufanele bakhokhelwe nini, ukuthi izindleko ezingaguquki ezifana nerenti namaholo kufanele zikhokhwe nini, kanye nokuthi ingakanani imali esivele itholakala.
Awudingi uhlelo lokusebenza oluyinkimbinkimbi. Incwadi yokubhalela noma i-spreadsheet enezinsuku namanani yanele ukuze uqale.
Hlola lokhu njalo ngesonto, hhayi ekupheleni kwenyanga kuphela. Izinkinga zemali zingavela ngezinsuku, hhayi ngezinyanga.
Iphutha elivamile
Ukuhlela ukusebenzisa imali ngokusekelwe kuma-invoyisi akhishiwe esikhundleni semali esitholakele ngempela.
I-invoyisi iyisicelo sokukhokha, akuyona imali esifakiwe ku-akhawunti yakho. Uma uzibophezela ekuthengeni isitoko, ukukhokha amaholo noma ukuthenga imishini ngokusekelwe emalini amakhasimende akukweleta yona, ukubambezeleka kwenkokhelo kungashiya ibhizinisi lingenayo imali eyanele, ngisho noma ukuthengisa kubukeka kuhamba kahle emarekhodini.
Isinyathelo sakho esilandelayo
Bhala zonke izinkokhelo olindele ukuzithola kule nyanga kanye nazo zonke izikweletu okufanele zikhokhwe, ufake nezinsuku. Qhathanisa lezi zinhlu ezimbili bese ubheka noma yiliphi isonto lapho izindleko zizofika ngaphambi kwemali engenayo.
Qhubeka nokufunda
Isihloko esilandelayo simayelana nezindleko ezingaguquki nezindleko eziguqukayo.
Ukuqonda ukuthi yiziphi izindleko ezihlala zifana nokuthi yiziphi ezikhuphuka ngokwanda komsebenzi kukusiza ukuba wenze isabelomali esinembe kakhudlwana futhi ubeke amanani ngokuzethemba.
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