Imali ingena e-akhawuntini ngemva kokuthi ikhasimende likhokhe.
Bese uthenga isitokwe. Ukhokhela ukuthutha. Uthenga ukudla. Uthumela imali kumhlinzeki. Uthatha imali yasekhaya.
Ekupheleni kweviki, imali ihambe ngezindlela eziningi futhi umbuzo owodwa obalulekile uba nzima ukuwuphendula:
Yimalini imali okungeyebhizinisi?
Lapho imali yebhizinisi nemali yomuntu siqu ihlanganiswa, i-akhawunti ematasatasa ingafihla ukuthi kwenzekani ngempela. Ukuhlukanisa imali kukunikeza impendulo ecacile.
Kungani imali exubile idala izinkinga
Imali e-akhawuntini ayisho njalo imali etholakalayo yokuchitha komuntu siqu. Ingxenye yayo ingase idingeke kulokhu, isitokwe, irenti, intela, amaholo, ukuthutha noma inkokhelo yomhlinzeki.
Uma usebenzisa imali engenayo yebhizinisi ngaphandle kokuyirekhoda, ungacabanga ukuthi ibhizinisi linenali enkulu kunalokho elinayo ngempela. Kamuva kufika inkokhelo ebalulekile futhi imali ayisekho.
Imali exubile yenza nokugcina amarekhodi kube nzima. Kufanele ubheke ukuthenga komuntu siqu, izinkokhelo zomndeni nezindleko zebhizinisi ngaphambi kokuthi uqonde ibhizinisi.
Isaluni elimatasatasa elingenayo impendulo ecacile
Isaluni lithola izinkokhelo zamakhasimende isonto lonke. Umnikazi usebenzisa i-akhawunti efanayo yemikhiqizo, ugesi, ukudla nezindleko zesikole.
NgoLwesihlanu, kukhona imali e-akhawuntini. Kodwa isaluni lisadinga ukuthenga imikhiqizo nokukhokha umsizi.
Umphumela: Umnikazi akakwazi ukubona ukuthi ibhizinisi litholeni noma ukuthi lingakhokha malini.
Inkinga akuyona ukuthi umnikazi usebenzise imali engenayo yebhizinisi ngezidingo zomuntu siqu. Inkinga ukuthi imali yathathwa ngaphandle kohlelo noma irekhodi elicacile.
Ukuhlukanisa kubukeka kanjani
I-akhawunti yebhange yebhizinisi ehlukile ivamise ukuba yindlela ecacile kakhulu. Inikeza imali engenayo nezindleko zebhizinisi indawo yazo futhi idala isitatimende sebhange esilula ukusiqonda.
Uma ungekabi nakho ukuvula i-akhawunti yebhizinisi, yakha ukuhlukanisa okucacile okutholakalayo kuwe. Ungasebenzisa i-akhawunti, isikhwama noma indlela yokukhokha eqondene nebhizinisi kuphela.
Umthetho ulula: Imali yebhizinisi ihamba ngohlelo lwebhizinisi. Imali yomuntu siqu ihamba ngohlelo lomuntu siqu.
| Imali exubile | Imali ehlukanisiwe |
|---|---|
| Izinkokhelo zamakhasimende nemali yomuntu siqu zingena ohlelweni olulodwa | Imali engenayo yebhizinisi ine-akhawunti noma irekhodi layo |
| Ukuchitha komuntu siqu nokwebhizinisi kunzima ukukuhlukanisa | Inkokhelo ngayinye inenhloso ecacile |
| Kunzima ukubona inzuzo noma imali etholakalayo | Ungabona ukuthi ibhizinisi litholani futhi lidingani |
| Amarekhodi entela nezimali athathela isikhathi eside ukulungiswa | Amarekhodi kulula ukuwahlola nokuwachaza |
Ukuhlukanisa akudingi ukuba kuphelele ngosuku lokuqala. Kufanele kube kucace kunayizolo.
Sebenzisa izigaba ezine ezicacile zemali
Konke ukungena nokuphuma kwemali kufanele kungene kwesinye salezi zigaba ezine: imali engenayo ebhizinisini (izinkokhelo zamakhasimende, amadiphozithi nokuthengiswa), izindleko zebhizinisi (isitoko, uphethiloli osetshenziselwa umsebenzi, irenti, idatha noma izinkokhelo zabahlinzeki), imali ekhokhelwa wena (iholo, imali ekhishwa umnikazi ebhizinisini noma enye inkokhelo erekhodiwe), kanye nemali yomuntu siqu efakwa ebhizinisini (imali eyongiwe esetshenziselwa ukuthenga isitoko, imishini noma ukukhokhela izindleko eziphuthumayo).
Lezi zigaba zikusiza uqonde ukuthi kungani imali ingene noma iphume ebhizinisini. Ziphinde zivimbele ukuthi imali yomuntu siqu isetshenziselwe ukukhokhela izinkinga zebhizinisi buthule ngaphandle kokuba nerekhodi.
Zikhokhele ngendlela ecacile
Usebenza ebhizinisini, ngakho kujwayelekile ukuthi udinge ukuthola imali kulo. Okubalulekile ukunquma ukuthi uzokhokhelwa kanjani bese ubhala leyo nkokhelo ngendlela efanele emarekhodini.
Ungakhetha inani elinqunyiwe, inkokhelo ejwayelekile yamasonto onke noma yanyanga zonke, noma ukurekhoda imali oyikhiphayo lapho ibhizinisi likwazi ukukukhokhela. Indlela efanele yokurekhoda lezi zinkokhelo ingancika ekutheni ungumnikazi webhizinisi ozimele, unguzakwethu ebhizinisini, noma ungumnikazi wenkampani. Cela umeluleki wezezimali noma uchwepheshe wentela akuchazele ukuthi izinkokhelo ozitholayo kufanele zirekhodwe kanjani ngokohlobo lwebhizinisi lakho.
Ukusebenzisa indlela ejwayelekile yokuzikhokhela kukunika ukulawula okungcono kunokukhipha amanani ahlukahlukene njalo lapho kungena imali. Lokhu kuphinde kusize ibhizinisi ukuthi lihlele izimali zalo ngendlela efanele.
Kuthiwani uma ibhizinisi lingakakwazi ukukukhokhela?
Lokhu kungenzeka uma ibhizinisi lisanda kuqala noma lingenayo imali eyanele. Rekhoda yonke imali oyikhiphayo ebhizinisini, ngisho noma inani lishintsha. Bese uhlola ukuthi ibhizinisi likhokhisa imali eyanele yini, liqoqa izinkokhelo ngesikhathi esifanele yini, nokuthi lizilawula kahle yini izindleko zalo.
Uma usebenzisa imali yakho yomuntu siqu ebhizinisini
Abanikazi abaningi basebenzisa imali egciniwe yomuntu siqu ukuthenga isitokwe, ukulungisa izinsiza noma ukuvala igebe elifushane lemali. Naleyo mali kufanele irekhodwe.
- Umnikelo womnikazi
- Imali yomuntu siqu noma izimpahla umnikazi azifaka ebhizinisini ukuze alisize liqhubeke nokusebenza noma likhule.
Bhala phansi usuku nenani lemali, ukuthi imali isetshenziselwe ini, nokuthi yimali oyifaka ebhizinisini noma yimali ibhizinisi okufanele likubuyisele yona. Uma kulindeleke ukuthi ibhizinisi likubuyisele leyo mali, kwenze kucace lokho ngokuyithatha njengemali oyiboleke ibhizinisi. Indlela yokuyirekhoda ngokwezimali ingahluka kuye ngohlobo lwebhizinisi, ngakho cela usizo lochwepheshe lapho kudingeka.
Uma lingekho irekhodi, ngokuhamba kwesikhathi ungase ukhohlwe ukuthi ingakanani imali yakho yomuntu siqu oyifake ebhizinisini, noma ugcine usukhipha imali kabili ngenxa yokuthi uhlelo lokubuyiselwa kwemali belungacacile.
Indlela elula yokuhlola inkokhelo ngayinye
Ngaphambi kokuba imali iphume ku-akhawunti yebhizinisi, yima kancane uhlole. Ingabe le mali ngeyebhizinisi noma ngeyakho siqu? Ingabe likhona irisidi noma inothi elichaza ukuthi le mali isetshenziselweni? Ingabe ibhalwe esigabeni esifanele emarekhodini?
Hlela kabusha uhlelo lwakho lwezimali kuleli sonto
Akudingeki ulinde kuqale inyanga entsha noma unyaka omusha wezimali. Qala ngemali onayo manje.
Ekupheleni kwesonto, kufanele ukwazi ukuchaza ukuthi imali yebhizinisi ingene futhi yaphuma kanjani ngaphandle kokuphenya ezindlekweni zakho zomuntu siqu ezingahlangene nebhizinisi. Lokho kuyinqubekela phambili.
Imibuzo
Yebo. Sebenzisa amalebula acacile emarekhodini akho ukuze ukwazi ukuhlukanisa izinkokhelo zebhizinisi nezinkokhelo zomuntu siqu.
Qala kusukela namuhla. Rekhoda izinkokhelo ezintsha ngokucacile bese wakha kabusha isithombe sezimali zebhizinisi isonto nesonto.
Iphutha elivamile
Iphutha elivamile ukulinda ibhizinisi libe likhulu ngaphambi kokuhlukanisa imali. Ukuhlukanisa kulula lapho ibhizinisi lisencane. Uma imali ihlala ixubile isikhathi eside, kuba nzima ukuqonda inzuzo, ukulungisa ulwazi lwentela noma ukufakazela imali engenayo lapho ufaka isicelo sezimali.
Isinyathelo sakho esilandelayo
Kuleli sonto, khetha i-akhawunti eyodwa noma isikhwama semali esisodwa ozosisebenzisela imali yebhizinisi. Faka lapho izinkokhelo ezintsha zamakhasimende, rekhoda imali ozikhiphela yona, bese uhlola izindleko zebhizinisi ezizayo ngaphambi kokusebenzisa imali.
Qhubeka nokufunda
I Isihloko esilandelayo simayelana nokulungela ukusebenza namakhasimende amakhulu.
Amakhasimende amakhulu avame ukucela imininingwane yasebhange ecacile, amarekhodi athembekile kanye nobufakazi bokuthi ibhizinisi lingakwazi ukuphatha umsebenzi. Ukuhlukanisa imali yebhizinisi nemali yomuntu siqu kukusiza ukuthi unikeze leyo mininingwane ngokuzethemba.
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