Ukuqoqa imali ekweletwe abathengi: umkhuba wesonto ngesonto wamaqembu okuthengisa avakashela abathengi
Ukuthengisa kungumsebenzi oyingxenye chabo. Uma ufuna ukwazi ukuqoqa imali ekweletwe abathengi ngaphandle kokonakalisa ubudlelwano obuhle, impendulo ayisoze ibe ukukhuluma ngamandla kakhulu. Kuwumkhuba omfushane wesonto: azi ngokucacileyo ukuthi ngubani okweletwe yini nokuthi kade kangakanani, unqume ukuthi ngubani ozaqoqa ikhawunti ngayinye, uvimbele inkinga ekukhuleni ingakaqali.
Kungani izikweletu zabathengi zikhula zingalawuleki
Izinkokhelo ezingakhokhiwe azivamile ukuba yinkinga ngosuku olulodwa. Umthengi omuhle ukhokha kancane ngokubambezeleka, bese ekhokha kakhulu ngokubambezeleka. Umsebenzi ovakashela abathengi unikeza ikhredithi ukuze athole ioda ngoba akekho omtshele ukuthi umthengi useseqinile sekade ebambezelekile. Ibhalansi yokuqala evela kwisistimu endala ayikaze ihlolwe. Icala ngalinye libonakala lincane, kodwa ndawonye ziboshela imali odinga ngayo izinto zokuthenga, uphethroli nemiholo.
Esinye isizathu ukungacaci kobunikazi. Umbhali wezimali ucabanga ukuthi umsebenzi ovakashela abathengi ulandela inkokhelo; umsebenzi ovakashela abathengi ucabanga ukuthi kungumsebenzi wezimali. Umthengi akezwa kubani, bese esakhokhela abahlinzeki abacela.
Isinyathelo 1: azi ukuthi ngubani okweletwe yini, nokuthi kade kangakanani
Qala ngohlu lwebudala bemali ekweletwe. Ngomthengi ngamunye, bonisa imali yonke ekweletwe bese uyihlukanisa ibe amaqembu amane ngokuthi idle kangakanani: insuku ezi-0–30, insuku ezi-31–60, insuku ezi-61–90 nezaphezu kwe-90. Bala ubudala usuka osukwini lwenvoyisi, ufake inkokhelo kumali endala kakhulu kuqala, ukuze uhlu lufane nendlela abathengi abayibona ngayo ikhawunti yabo.
Izinombolo ezimbili kufanele zibe phezulu kwalolu hlu:
- Ngaphezu kwemigomo yokukhokha: ingxenye esele ibambezelekile, isebenzisa imigomo yomthengi ngamunye (insuku ezi-7, ezi-14, ezi-30 noma ezi-60), hhayi umthetho ofanayo kubo bonke.
- Insuku zokuthengisa ezingakakhokhwa (DSO): cishe izinsuku zokuthengisa ezingakakhokhwa. Uma imigomo yakho ingu-30 futhi i-DSO ingu-55, imali iyeza ngokubambezeleka cishe inyanga yonke.
Uma ushintshela ezinhlelweni zamashidi ezibalo noma kwesinye isistimu, faka kuqala ibhalansi yokuqala yomthengi ngamunye nedethi yayo. Ngaphandle kwalokho, uhlu luqala ku-zero, futhi izikweletu ezindala kakhulu, ezibaluleke kakhulu, azibonakali.
Isinyathelo 2: lungisa uhlu lokuqoqa njalo ngoMsombuluko
Ungazami ukulandela wonke umuntu ngesikhathi esisodwa. Hlela uhlu ngemali engaphezu kwemigomo, okukhulu kuqala, bese ukhetha abathengi abayishumi kuya kwabayishumi nesihlanu abaphezulu kweviki. Phawula labo abedlula umkhawulo wabo wekhredithi. Lawo ngamakhawunti lapho ukuvakasha kwalesisonto kuzoletha imali eningi kakhulu futhi kuvimbele ukulahlekelwa okukhulu.
Isinyathelo 3: nika ikhawunti ngayinye ebambezelekile umnikazi munye
Bhala umthetho munye olula: umsebenzi ovakashela abathengi oqhuba umthengi nguye oqoqa kumthengi. Uyamazi umthengi, uyavakashela noma kunjalo, futhi isikhumbuzo esihle ngobuso nobuso sisebenza kakhulu kunencwadi. Amakhawunti angenamsebenzi ovakashela abathengi, noma abambezeleke ngaphezu kwezinsuku ezingu-60, ngawomphathi.
Hlela ukuvakasha kokuqoqa ngaphakathi kwemizila yesonto, hhayi njengohambo olwengeziwe. Umhlahlandlela wethu wokuhlela imizila yokuthengisa okuvakashelwa ukhombisa indlela yokuhlanganisa ukuvakasha ngezindawo ukuze ukuqoqa kungabizi lutho ngophethiloli.
Isinyathelo 4: yenza inkulumo ibe lula
Abakhokhi abambezelayo abaningi abanqabi ukukhokha. Basebenza kakhulu, bayize imali kulesi sonto, noma balindele idokhumenti. Nika abasebenzi abavakashela abathengi umbhalo omfushane nohloniphekile:
- Bonga umthengi ngebhizinisi lakhe, ukhankanye inombolo yenvoyisi nemali.
- Buza ukuthi uzokhokha nini, bese nivumelana ngosuku oluthile.
- Uma umthengi engakwazi ukukhokha ngokugcwele, vumelanani ngenkokhelo yengxenye manje nosuku lolunye.
- Rekhoda lokho okuvunyelwene ngakho, ukuze omunye ozazama ukufona ngemva kwalokho akwazi.
Nikeza irisidi ngakunye kokukhokhelwa, noma ngemali yokuqala, noma ngokudluliselwa kwebhange, noma ngemali yocingo, bese uyirekhoda kwenvoyisi ngalolo suku. Umhlahlandlela wethu wezokuthengisa ngevani nokuqoqwa kwemali ngesandla ushicilela umkhuba wansuku zonke wemali.
Isinyathelo 5: beka imikhawulo yekhredithi eqinile
Ukuqoqa kulula lapho imali encane iphuma ngekhredithi ekuqaleni. Nika umthengi ngamunye wekhredithi izilungiselelo ezimbili: umkhawulo wekhredithi (imali enkulu kakhulu angayikweleta noma nini) kanye nemigomo yokukhokha (insuku angaba nazo zokukhokha). Bese usebenzisa imithetho emibili ngaphandle kokukhetha:
- Umthengi odlula umkhawulo wakhe akanikezwa ikhredithi entsha aze akhokhe.
- Umthengi onenvoyisi ebambezeleke ngaphezu kwezinsuku ezingu-60 akanikezwa ikhredithi entsha aze ikhokhwe.
Abasebenzi ovakashela abathengi kufanele babone ibhalansi nomkhawulo womthengi ngaphambi kokuthatha i-oda, nanoma yisiphi isicelo sekhredithi ngaphezu komkhawulo sihanjiswe kumphathi ukuze sivunywe, kunokuthi sinqunywe ngaleso sikhathi.
Isinyathelo 6: hlola ukuqoqwa ngomsebenzi ngamunye njalo ngesonto
Kanye ngesonto, bheka izinto ezintathu ngomsebenzi ngamunye ovakashela abathengi: uthengise kangakanani, uqoqe kangakanani, nabathengi bakhe bekweletwe kangakanani ngaphezu kwemigomo. Umsebenzi othengisa kakhulu kodwa aqoqe kancane akusiye omusebenzi wakho ohamba phambili okwamanje. Bonga labo abagcina amakhawunti abo ehlanzekile, bese ulungisa labo abahlu lwabo lwemali olusaqhubeka lukhula. Imali eqoqiwe kufanele ibe nomugqa wayo wokuhlola kwakho kwenyanga ngayinye kweibhajethi nokwenzeka ngempela, ngoba ukuthengisa akubizi imali kuze kukhokhwe.
Amaphutha ajwayelekile okufanele ukagweme
- Ukulinda kuze kuphele inyanga. Ngalesosikhathi, izikweletu zezinsuku ezingu-30 sezibe ngezinsuku ezingu-60.
- Ukulandela ngosayizi webhalansi yonke. Landela okubambezelekile, hhayi okukhulu kodwa okusesingenwa emigomeni.
- Abantu ababili balandela umthengi munye. Umnikazi munye ngakunye wekhawunti uvimbela ukudideka nokuhlazeka.
- Akukho bhalansi yokuqala. Uma izikweletu ezindala zingekho ohlelweni, akekho ozazilandela nakanjani.
Indlela uWayfen osiza ngayo
Umbiko weImali ekweletwe we-Wayfen wakha uhlu lobudala bezikweletu ngokuzenzakalelayo kusuka ekuthengisweni nasekukhokheni okuqoshwa abasebenzi bakho abavakashela abathengi, kanye nebhalansi yokuqala yomthengi ngamunye, umkhawulo wekhredithi nemigomo yokukhokha. Ubonisa okungaphezu kwemigomo, insuku zokuthengisa ezingakakhokhwa (DSO), abathengi abadlula umkhawulo wabo, uhlu lokuqoqa lokuqala olunomsebenzi ovakashela umthengi ngamunye, nokuqoqwa ngomsebenzi ngamunye, owayesebuthakathaka kuqala. Ungawukhipha njenge-PDF noma njengefayela le-Excel elinamafomula aphilayo, futhi ubeke ibhalansi nemigomo yomthengi ngamunye ngesikhathi esisodwa kusuka kushidi lezibalo.
Imibuzo ejwayelekile
Umbiko wobudala bezikweletu yini?
Umbiko wobudala bezikweletu uhlu lwabo bonke abathengi abakweletayo imali futhi uhlukanisa ibhalansi ngayinye ngokuthi isiphelele isikhathi esingakanani, ngokuvamile insuku ezi-0–30, ezi-31–60, ezi-61–90 nezaphezu kwezi-90. Imali endala iyinzima kakhulu ukuyiqoqa, ngakho umbiko ukhombisa lapho okufanele uqale khona.
Ibhizinisi kufanele lilandele izikweletu ezingakhokhiwe kangakanani?
Hlola uhlu njalo ngesonto. Xhumana nomthengi uma inenvoyisi idlula imigomo yokukhokha, bese futhi ngemva kwamasonto amabili, bese uyethula kumphathi uma idlule izinsuku ezingu-60 ibambezeleke.
Umkhawulo wekhredithi omuhle womthengi uyini?
Qala ngalokho umthengi ayathenga phakathi kwamasonto amabili kuya kwamane, bese ukhulisa kuphela ngemva kwezinyanga ezimbalwa zokukhokha ngesikhathi. Umthengi odlule umkhawulo wakhe noma obambezelekile akufanele anikezwe ikhredithi entsha aze ibhalansi ikhokhwe.
Insuku zokuthengisa ezingakhokhwa (DSO) yini?
I-DSO iyisilinganiso sesikhathi esimaphakathi abathengi bakho abasithathayo ukukhokha. Ukulinganisa okulula ukuthi imali yonke ekweletwayo ihlukaniswe ngokuthengisa kwezinsuku ezingu-30 ezedlule, bese iphindaphindwa nge-30. Uma i-DSO inde kunemigomo yakho yokukhokha, imali iza ngokubambezeleka.
Zama uWayfen mahhala izinsuku ezingu-14 nabantu abangu-5. Akudingeki ikhadi.
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Bona lokhu: Wayfen ngemboni.