Ibhlogi yeWayfen · 9 Okthoba 2026 · Ibuyekezwe 15 Okthoba 2026

Ibhajethi yokuthengisa vs impumelelo: uhlelo olulula lwenyanga ngenyanga lamaqembu asebenza ngaphandle kwehhovisi

Ibhajethi iyasiza kuphela uma uyibheka usesenesikhathi sokwenza into. Amanye amaqembu asetha ibhajethi yokuthengisa ekuqaleni konyaka, bese eqhathanisa nalokho okwenzeka kuphela lapho unyaka useqedile. Uhlelo olufushane lwenyanga ngenyanga lokuqhathanisa ibhajethi yokuthengisa nempumelelo yangempela lushintsha ibhajethi isuke kuba yincwadi ibe yisisetshenziswa sokuqondisa.

Okufanele ibhajethi yokuthengisa ibandakanye

Yenze ibe lula ngokwanele ukuze iqembu lonke liyiqonde. Kumaqembu amaningi abasebenzi abahamba bathengisa lokho kusho imigca emine:

Imali engenayo ngenyanga, njalo ngabe kungenzeka ngomsebenzi noma ngesifunda.
Izindleko eziqondile zokuthengisa: uphethiloli nokuhamba, izampula, ikhomishini kanye nokukhangisa.
Imali eqoqiwe, uma uthengisa ngesikweletu. Imikhiqizo ethengiswe kodwa engakaqoqwa ayikakabi yimali.
Amakhasimende amasha olindele ukuwathola, ngoba ukukhula kuvame ukuncika kiwo.

Yakha kusukela ezingeni eliphansi kuya phezulu

Esikhundleni sokwengeza iphesenti onyakeni owedlule, qala ngalokho iqembu elingakwenza ngempela: inani labasebenzi abahamba, izindawo ezingokoqobo abangavakashela ngazo ngosuku, ukuthi ukuvakasha kuvame kangakanani ukuba yi-oda, kanye nosayizi wale-oda ngezinga eliphakathi. Bese uqhathanisa leli nani elakhiwe kusukela phansi nalokho ibhizinisi elikudingayo. Uma kukhona umehluko, uyazi kusenesikhathi ukuthi kufanele uqashe yini, ushintshe izindawo noma ugxile emakhasimendeni amakhulu.

Ukuhlola kwenyanga ngenyanga kwebhajethi nempumelelo

Viki yokuqala yenyanga ngayinye, qhathanisa ibhajethi yenyanga edlule nokwenzeke ngempela, umugca ngomugca. Bheka izinombolo ezintathu ngomugca ngamunye:

Impumelelo yangempela nxa iqhathaniswa nebhajethi, ngemali.
Umehluko ngephesenti, ukuze umugca omncane nomkhulu aqhathaniswe ngokulinganayo.
Kusukela ekuqaleni konyaka kuze kube manje, ngoba inyanga eyodwa ebuthakathaka ibaluleka kancane kunendlela.

Umthetho olula wesilinganiso: noma yini ephambuka ngaphezu kwamaphesenti angaba ishumi ebhajethini idinga incazelo yomugca owodwa. Noma yini ephambuka izinyanga ezintathu ngokulandelana idinga isinqumo.

Guqula umehluko ube yizinyathelo

Imali engenayo ingemuva kwebhajethi: qala ubheke ukuvakasha. Kwenziwe ukuvakasha okuncane, noma ukuvakasha kuguqule kancane kwaba ama-oda? Isixazululo siyahluka kokubili.
Izindleko zedlule ebhajethini: bheka uphethiloli, ukuhamba nezampula ngokuthengiswa ngakunye, hhayi ngokuphelele kuphela. Indlela ebiza kakhulu kodwa ethengisa kakhulu ingase ibe lungile.
Imali eqoqiwe ingemuva: hlu amaakhawunti asekhathazweni ngomsebenzi nomsebenzi, bese uvumelana ukuthi ubani ozavakashela ubani kulesi sonto.
Ngaphambili kwebhajethi: hlola ukuthi kungani, bese uyaphinda. Izimangaliso ezinhle zifundisa njengezimbi.

Umzekelo wokuqhathanisa ibhajethi nempumelelo

Izibalo ezilandelayo ziqanjiwe ukuze zibonise indlela kuphela. Cabanga ngeqembu elinebhajethi yokuthengisa yenyanga engu-$50,000 nebhajethi yezindleko zokuthengisa engu-$6,000.

Imali engenayo: ibhajethi $50,000, impumelelo $44,500. Umehluko: $5,500 ngemuva, noma ama-11% ngaphansi kwebhajethi.
Izindleko zokuthengisa: ibhajethi $6,000, impumelelo $6,300. Umehluko: $300 ngaphezulu, noma ama-5% ngaphezu kwebhajethi.
Imali eqoqiwe: ibhajethi $46,000, impumelelo $47,200. Umehluko: $1,200 phambili, noma ama-3% ngaphezu kwebhajethi.

Lapho kusetshenziswa umthetho wamaphesenti ayishumi, imali engenayo kuphela idinga incazelo kule nyanga. Iqembu liqala lihlole ukuvakasha bese lithola ukuthi abasebenzi ababili babesemaholidini iviki lonke, nezindlela zabo azizange zigcinwe. Lokho kukhomba ekulungiseleleni okufanele kwenziwe (gcina izindlela ngesikhathi sokuphumula), hhayi inkinga yamakhono okuthengisa. Izindleko zedlule kancane, kodwa ngama-5% kuphela, ngakho ziyaqashwa kodwa aziphenduli ngesenzo.

Ibhajethi, isibikezelo nenjongo: umehluko ungani?

Lawa magama amathathu ajwayele ukudidiyelwa, okudala ukudideka emihlanganweni yokubuyekeza:

Ibhajethi: uhlelo olwavunywa ekuqaleni konyaka. Ngokuvamile lubekwa lungashintshi ukuze ukwazi ukulinganisa ngalo.
Isibikezelo: isilinganiso sakho esihle kakhulu samanje sokuthi inyanga noma unyaka uzophela kuphi, esibuyekezwa njengoba imiphumela iza.
Injongo: inombolo umsebenzi noma isifunda esicelwa ukuthi siyifinyelele, engase isethwe kancane ngaphezu kwebhajethi ukuze kube nendawo yokuwela ukungafinyeleli.

Ekubuyekezeni kwenyanga, qhathanisa impumelelo nebhajethi ukuze ulinganise ukusebenza, bese ubuyekeza isibikezelo ukuhlela okuzolandela.

Iphutha ezivamile zokwakha ibhajethi yokuthengisa

Ukuhlukanisa unyaka ube izinyanga ezilishumi nambili ezilinganayo. Amabhizinisi amaningi anezikhathi ezinkulu nezincane zokuthengisa. Yabela ibhajethi ngendlela ukuthengisa okuhamba ngayo ngempela.
Ukunganaki imali eqoqiwe. Ukuthengisa ngesikweletu akuyona imali uze ukhokhelwe. Bhalisa imali eqoqiwe njengomugca wayo.
Ukushintsha ibhajethi njalo nyanga. Buyekeza isibikezelo esikhundleni salokho, ukuze usalobe nomugca ohlala umi oqhathanisa nawo.
Ukubuyekeza izinombolo ezipheleleyo kuphela. Inombolo ephelele enempilo ingafihla isifunda esisodwa esisemuva kakhulu nesinye esiphambili kakhulu.

Yabelana ngayo neqembu

Abasebenzi abahamba abadingi ibhajethi ephelele, kodwa kumele babone injongo yabo kanye nokuthi bahamba kanjani kuyo nsuku zonke, hhayi ekupheleni kwenyanga kuphela. Lapho abantu bebona inombolo, bavame ukuqondisa amandla abo ngokwabo kuyo.

Gcina izincwadi nokusebenza kuzithombe zinye

Amabhajethi aphambuka lapho izibalo zokuthengisa zihlala endaweni eyodwa, izindleko endaweni enye, nohlelo lwezezimali endaweni yesithathu. Ukuba khona kwalokhu konke ndawonye kuvumela ukuthi wenze ngokushesha.

Indlela iWayfen esiza ngayo

I-Wayfen ibonisa ibhajethi nempumelelo yemali engenayo nezindleko, yakhiwe ngalokho abasebenzi abahamba abakubhalayo ngesikhathi somsebenzi, futhi ingaletha izibalo ezivela ku-Xero noma ku-QuickBooks. Umsebenzi ngamunye uhamba abone injongo yakhe kanye nenqubekela-phambili yakhe, nabaphathi bathola umbiko wenyanga ngePDF nangeExcel osevele uwubalile umehluko, ukuze ukuhlolwa kwenyanga kuthathe imizuzu esikhundleni sentambama yonke.

Imibuzo evame ukubuzwa

Ukuhlaziywa kwebhajethi nempumelelo yokuthengisa kusho ukuthini?

Kuwukuqhathanisa okuvamile kwalokho obekuhlelwe ukuthengisa nokuchitha nalokho okwenzeke ngempela, umugca ngomugca, ukuze ukwazi ukuchaza umehluko futhi wenze ngawo ngesikhathi esisasele.

Kufanele siqhathanise kangaki ibhajethi yokuthengisa nempumelelo?

Okungenani kanye nyanga, empeleni viki yokuqala emva kokuphela kwenyanga. Amaqembu amaningi aphinda ahlole inqubekela-phambili njalo viki ukuze kungabikho okumangalisayo.

Umehluko webhajethi uyamukeleka ngaziphi izinga?

Amaqembu amaningi asebenzisa cishe amaphesenti ayishumi njengendawo lapho umehluko udinga incazelo, nezinyanga ezintathu ngokulandelana ngaphandle kwebhajethi njengendawo lapho kudingeka isinqumo. Khetha izinga elifanele ibhizinisi lakho.

Umehluko phakathi kwebhajethi yokuthengisa nesibikezelo sokuthengisa ungani?

Ibhajethi uhlelo olumisiwe olwavunywa ekuqaleni kwesikhathi. Isibikezelo yisilinganiso sakho sakamuva somphumela, esibuyekezwa njengoba imiphumela iza.

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