3. Kungani Ukuthengisa Ngeke Kuhlale Kusho Imali Ecashini

Ibhizinisi lingase liqhubeke lihamba, lithengise, futhi lisaphelelwe imali ecashini.

Lokhu kwenzeka lapho isikhathi semali engenayo singahambisani nesikhathi semali ephumayo. Ungaqeda umsebenzi namuhla kodwa ukhokhelwe emva kwezinsuku ezingama-30. Ngesikhathi esifanayo, indawo yokuhlala, imiholo, isitoko namabhili abathengisi kungase kufanele akhokhelwe manje.

Ukuqonda leli gebe, phakathi kokuthengisa nokuba nemali ecashini etholakalayo, kuyomunye wamakhono amakhulu emali umnikazi webhizinisi angawakha.

Ukuthengisa nemali ecashini akuyona into efanayo

Ukuthengisa yilapho unikeza umkhiqizo noma insizakalo. Imali ecashini yimali etholakalayo ngempela ku-akhawunti yakho yokuyisebenzisa.

Uma ikhasimende lingakakhokhi, ukuthengisa kungase kubhalwe ku-invoyisi yakho, kodwa imali ecashini ayikho ezandleni zakho. Lokho kusho ukuthi awukwazi ukuyisebenzisa ukukhokha indawo yokuhlala, imiholo noma isitoko.

Ngelelo viki likhona ukhokha u-R8 000 ezintweni, u-R3 500 ephethiloli no-R6 000 emiholweni. Indawo yokuhlala engu-R5 000 nayo iyadingeka.

Umphumela: Ukuthengisa kubonakala kuhle kakhulu, kodwa u-R2 000 kuphela kuma-invoyisi amadala okufikile. Ibhizinisi lisaphumele u-R20 500 ngaphambi kokuba noma yimuphi umsebenzi omusha ukhokhelwe.

Kungani ukucindezeleka kokugeleza kwemali kukhula

Izinkinga zokugeleza kwemali zivame ukungaveli ngobusuku. Zakha lapho imali ephumayo ihamba phambili kwemali engenayo.

Izimbangela ezivamile zifaka amakhasimende ekhokha sekwephuzile, imigomo yokukhokha ende kumaklayenti amakhulu, ukuthenga isitoko ngaphambi kokuthengisa, ukukhokhela abathengisi ngaphambi kokuba amakhasimende akhokhe wena, ukwamukela umsebenzi omkhulu onezindleko zangaphambili, ukuchitha imali engenayo olindelwe ngaphambi kokuba ifike, ukukhipha imali eningi ebhizinisini, noma ukubhekana nezindleko ezinkulu ezingahlelwanga.

Isibonelo esilula: igebe phakathi kokuthengisa nokukhokha

Uwinile umsebenzi ongu-R30 000. Lokho kuzwakala njengenyanga enhle.

Kodwa ngaphambi kokuba ikhasimende likhokhe, udinga ukuchitha u-R12 000 ezintweni, u-R3 000 ezokuthutha no-R5 000 emsebenzini. Ikhasimende likhokha emva kwezinsuku ezingama-30.

Kulezo zinsuku ezingama-30, ibhizinisi kufanele lithwale izindleko ezingu-R20 000 ngaphandle kwemali engenayo. Uma elinye ibhili lifika ngaleso sikhathi, indawo yokuhlala, umshwalense, ukulungisa imoto, ukucindezeleka kukhula ngokushesha.

Yingakho ukuthengisa kungakhula ngenkathi imali ecashini iba ncane. Ibhizinisi lisebenza kakhulu, kodwa imali ayikafiki.

[!quiz] type:single
U-oda i-invoyisi yekhasimende ngo-R30 000 namuhla. Ikhasimende lizokhokha emva kwezinsuku ezingama-30. Imali ecashini engakanani evela kulokhu kuthengisa iyatholakala manje?

• R30 000
• R0 kuze kube yilapho inkokhelo ifika
• R15 000

Explanation: Ukuthengisa okubhalwe ku-invoyisi akuyona imali ecashini kuze kube yilapho imali ifika ngempela ku-akhawunti yakho. Kuze kube lapho, awukwazi ukuyichitha.

Vikela ukugeleza kwemali

Imikhuba emihle yokugeleza kwemali inciphisa igebe phakathi kokuchitha nokuthola.

Cela amadiphozithi lapho kufanele khona, ikakhulukazi emisebenzini emikhulu. Qinisekisa imigomo yokukhokha ngaphambi kokwamukela umsebenzi. Thumela ama-invoyisi ngokushesha futhi ulandelele ngokushesha ama-invoyisi angakhokhelwanga. Gwema ukuchitha imali engakafiki. Gcina imali ecashini eceleni ngezikhathi ezithulile. Hlela izindleko ezinkulu ngaphambi kokuzibopha.

Ucela idiphozithi engu-40% ngaphambi koku-oda. Ikhasimende livuma futhi likhokha u-R7 200 ngaphambi kokuqala umsebenzi.

Umphumela: Izindleko zematerial zimbozekile ngaphambi kokuba uthwale ingozi ephelele. Ukucindezeleka kokugeleza kwemali kuncane futhi umsebenzi ungase ungacindezele ibhizinisi.

[!quiz] type:true-false
Ukuhlela ukuchitha ngokusekelwe kuma-invoyisi owathumele kuyindlela ephephile yokuphatha ukugeleza kwemali.

• Iqiniso
• Amanga

Explanation: Ama-invoyisi akhombisa okuthi amakhasimende akukweleta, hhayi okuseku-akhawunti yakho. Hlela ukuchitha ngokusekelwe emalini etholwe ngempela, hhayi emalini osalindele.

Landelela ukuthi imali ihamba nini, hhayi kuphela ukuthi ingakanani

Ukubuka okulula kokugeleza kwemali kulandelela izinto ezine: ukuthi amakhasimende alindele ukukhokha nini, ukuthi abathengisi kufanele bakhokhelwe nini, ukuthi izindleko ezingashintshi ezifana nendawo yokuhlala nemiholo zikhokhelwa nini, nokuthi imali engakanani isivele itholakalayo.

Awudingi isofthiwe eyinkimbinkimbi. Incwadi yokubhala noma isipredishithi esinezinsuku nezimali kuyanele ukuze uqale.

Buyekeza lokhu njalo ngeviki, hhayi kuphela ekupheleni kwenyanga. Izinkinga zemali ecashini zibonakala ngezinsuku, hhayi ngezinyanga.

[!quiz] type:multi
Yimaphi imikhuba esiza ukuvikela ukugeleza kwemali?

• Ukucela amadiphozithi emisebenzini emikhulu
• Ukulandelela ngokushesha ama-invoyisi angakhokhelwanga
• Ukuchitha imali engenayo olindelwe ngaphambi kokuba ifike

Explanation: Amadiphozithi nokulandelela okusheshayo kuletha imali ngokushesha. Ukuchitha imali engenayo ngaphambi kokuba ifike kukhulisa ukucindezeleka kokugeleza kwemali.

Iphutha elivamile

Ukuhlela ukuchitha ngokusekelwe kuma-invoyisi athunyelwe esikhundleni semali etholwe ngempela.

I-invoyisi isicelo sokukhokha, hhayi idiphozithi ku-akhawunti yakho. Uma uzibopha esitokweni, emiholweni noma ezintweni zokusebenza ngokusekelwe kulokho amakhasimende akukweleta, inkokhelo ebambezelekile ingashiya ibhizinisi lingenayo imali, ngisho noma ukuthengisa kubonakala kuphilile ephepheni.

Isinyathelo sakho esilandelayo

Bhala yonke inkokhelo oyilindela ukuyithola kule nyanga nayo yonke ibhili okufanele likhokhelwe, nezinsuku. Qhathanisa lezo zinhlu futhi ubhale noma yiliphi iviki lapho izindleko zifika ngaphambi kwemali engenayo.

Qhubeka ufunde

Isihloko esilandelayo sithi izindleko ezingashintshi nezishintshayo.

Ukuqonda ukuthi yiziphi izindleko ezihlala zifanayo nezikhuphuka ngomthwalo wakho womsebenzi kukusiza ukubhala ibajethi ngokunembile futhi ubekhe amanazi ngokuzethemba.

Okungalanda

Ishidi lesikhathi sokugeleza kwemali