Yakha Imali Eyisipele Yezikhathi Ezinzima
Wonke amabhizinisi anezinyanga ezinhle nezinyanga lapho umsebenzi uhamba kancane.
Ungase wenze umsebenzi omningi ngesikhathi esithile bese uhlangabezana namasonto athule kwesinye isikhathi. Ikhasimende lingase likhokhe sekwephuzile. Imishini ingase iphuke. Isitoko singase siphele ngesikhathi esingafanele. Ukuvalwa kwesikhashana noma inkinga yomphakeli kungaphazamisa imali engenayo.
Imali eyisipele yezikhathi ezinzima yimali ebekelwa eceleni ukuze isize ibhizinisi lisinde kulezi zikhathi. Akuyona imali engadingeki. Ivikela ikhono lebhizinisi lokuqhubeka nokuhweba lapho imali engenayo yehlile noma kuvela izindleko ezibalulekile ngokungalindelekile.
Imali eyisipele ingasiza kulokhu:
Ngaphandle kwemali eyisipele, inyanga eyodwa embi ingafaka ibhizinisi ezikweletini noma iphoqe umnikazi ukuthi asebenzise imali yakhe yomuntu siqu ukukhokhela izindleko zebhizinisi.
- izinyanga lapho ukuthengisa kuhamba kancane;
- Ireserves yosuku lwenkathi
- Imali eyisipele yezikhathi ezinzima yimali ebekelwa eceleni ebhizinisini ukuze isetshenziswe ezimweni eziphuthumayo nasezikhathini lapho umsebenzi uhamba kancane. Igcinwa ihlukile emalini esetshenziswa nsuku zonke futhi isetshenziswa kuphela lapho ibhizinisi lidinga ukuvikelwa, hhayi ekuthengeni okuvamile.
Inyanga enamandla ilandelwa eyithulile
Uqhuba ibhizinisi elincane lokuhlinzeka ngokudla. UDisemba umatasa futhi ukhipha ama-invoyisi omsebenzi ka-R85 000. UJanuwari uthule, kukhona ama-oda aqinisekisiwe angu-R12 000 kuphela.
Irenti, amaholo kanye nezikweletu zabahlinzeki zisafinyelela ku-R28 000 ngoJanuwari. Ngaphandle kwemali eyisipele, ungase udinge ukuboleka, ubambezele izinkokhelo zabahlinzeki noma usebenzise imali yasekhaya ukuze ugcine ibhizinisi lisebenza.
Umphumela: Imali eyisipele eyakhiwe ngoDisemba ibingakwazi ukukhokhela igebe likaJanuwari ngaphandle kokulimaza ubudlelwano nabahlinzeki noma izimali zomuntu siqu.
Akudingeki ube nemali eyisipele enkulu ngokushesha. Okubalulekile ukuqala umkhuba.
Awukho umgomo owodwa ofanele wonke amabhizinisi. Isiqalo esiwusizo ukwakha imali engakwazi ukukhokhela inyanga eyodwa kuya kwezintathu zezindleko ezibalulekile zebhizinisi, irenti, amaholo, izikweletu zabahlinzeki ababalulekile kanye nezinye izindleko ibhizinisi elingakwazi ukuzigwema.
Uma lokho kubonakala kukukhulu njengamanje, qala kancane:
- inani elinqunyiwe njalo ngesonto, ngisho noma lincane;
type:single
| Imali yebhizinisi esetshenziswa nsuku zonke | Imali eyisipele yezikhathi ezinzima |
|---|---|
| Isetshenziselwa izindleko nokuthenga okuvamile | Igcinelwa izimo eziphuthumayo nezikhathi ezithule |
| Ingena iphinde iphume njalo | Ikhula kancane futhi ithintwa kuphela lapho kudingeka |
| Kulula ukuyisebenzisa ungakuqapheli | Igcinwa ihlukile ukuze ingasetshenziswa ngephutha |
| Ikhombisa umsebenzi waleli sonto | Ikhombisa ukuzinza kwebhizinisi kwesikhathi eside |
Ungayisusi imali esivele idingeka kuma-holo, intela, abahlinzeki noma ezinye izibopho. Uma ibhizinisi linezikweletu eziyinkimbinkimbi noma ingcindezi enkulu yemali, xoxa ngohlelo nomeluleki wezezimali noma umgcini wamabhuku oqeqeshiwe.
Gcina imali eyisipele ihlukile
Uma kungenzeka, imali eyisipele akufanele igcinwe endaweni efanayo nemali esetshenziswa nsuku zonke.
Uma imali eyongiwe nemali yokusebenza kuse-akhawuntini efanayo, kuba lula ukusebenzisa imali eyisipele ungaqondile. I-akhawunti yokonga ehlukile, i-sub-account ebhalwe kahle noma indawo yokonga yebhizinisi ekhethekile yenza umehluko ubonakale.
Amabhange amaningi anikeza i-akhawunti yokonga yamahhala noma ebiza kancane engakusiza ukuhlukanisa imali eyisipele nemali esetshenziselwa umsebenzi ojwayelekile webhizinisi. Indlela oyisebenzisayo ayibalulekile njengomkhuba uqobo: imali eyisipele ihlala iyimali eyisipele kuze kube yilapho kuvela isidingo sangempela.
Nquma ukuthi imali eyisipele yenzelweni, nokuthi ayenzelwanga ini
Imali eyisipele yenzelwe ukuzinza kwebhizinisi. Ngaphambi kokuyakha, bhala izimo ezingase zenze kube semthethweni ukuyisebenzisa.
Imali eyisipele ingasetshenziselwa:
- izindleko eziphuthumayo zokusebenza ngesikhathi kunegebe lemali;
Akufanele isetshenziselwe:
- ukusetshenziswa kwemali yomuntu siqu okungahlelwanga;
Imali eyisipele ikhula ngeminikelo emincane eyenziwa njalo, hhayi ngediphozithi enkulu eyodwa engase ingenzeki.
Njalo ngenyanga, noma njalo lapho uthola inkokhelo yomsebenzi, yenza ukuhlola okufushane:
Uma inyanga inzima, faka inani elincane esikhundleni sokungafaki lutho nhlobo. Umkhuba wokubeka okuthile eceleni ubaluleke kakhulu kunobukhulu bediphozithi eyodwa.
type:multi
Uqhuba isevisi yokulungisa ehambela amakhasimende. Ngemva komsebenzi ngamunye oqediwe, ubeka eceleni u-5% wenkokhelo ngaphambi kokuzikhokhela.
Emsebenzini ka-R4 000, u-R200 uya emalini eyisipele. Emisebenzini eyishumi ngenyanga, lokho kuba u-R2 000, ngaphandle kokudinga inani elikhulu kanye kanye.
Umphumela: Imali eyisipele ikhula kancane kodwa njalo. Lapho kufika amasonto amabili lapho umsebenzi uhamba kancane, kukhona imali yokukhokhela uphethiloli kanye nesikweletu somphakeli obalulekile.
Iphutha elivamile
Ukusebenzisa yonke imali yenyanga enhle sengathi izinyanga ezithule ngeke zibuye.
Lapho ukuthengisa kuhamba kahle, kulula ukufuna ukuthuthukisa imishini, ukwengeza izindleko ezintsha noma ukukhipha imali eyengeziwe ebhizinisini. Akukho kulokhu okungalungile ngokwakho, kodwa uma imali eyisipele ingakaze yakhiwe, isikhathi esilandelayo esithule singafika kungekho mali yokuvikela ibhizini.
Isinyathelo sakho esilandelayo
Bhala izindleko ezibalulekile zanyanga zonke zebhizinisi lakho, irenti, amaholo, abahlinzeki ababalulekile kanye nezinye izindleko ongeke ukwazi ukuzigwema. Khetha umgomo wokuqala wemali eyisipele, ngisho noma ungalingana nezindleko zesonto elilodwa. Beka inani ozolifaka njalo bese ubhala ukuthi yiziphi izimo eziphuthumayo ezingavumela ukuthi le mali isetshenziswe.
Qhubeka nokufunda
Isihloko esilandelayo sikusiza ukuthi ulungiselele isikhathi lapho ukugula, ukulimala noma esinye isimo esiphuthumayo kusho ukuthi awukwazi ukusebenza.
Imali eyisipele ivikela imali. Uhlelo lokuqhubeka kwebhizinisi luvikela umsebenzi, amakhasimende kanye nezinqumo ezigcina ibhizinisi lisebenza.
Okungalandekayo
Uhlelo lokuhlela imali eyisipele yezikhathi ezinzima
Landa