Ibhulogi ye-Wayfen · 20 Oktoba 2026

Ukuqoqa izikweletu zamakhasimende: umkhuba wesonto ngesonto wamaqembu okuthengisa avakashela amakhasimende

Ukuthengisa yingxenye nje yomsebenzi. Uma ufuna ukwazi ukuqoqa izikweletu zamakhasimende ngaphandle kokonakalisa ubudlelwano obuhle, impendulo ngokuvamile akusikho ukuba nesandla esinzima. Kungumkhuba omfushane wesonto: azi ngokucacile ukuthi ubani okweletwe yini nokuthi kade kangakanani, unqume ukuthi ubani oqoqa ikhasimende ngalinye, uvimbele inkinga ekukhuleni ingakaqali.

Kungani izikweletu zamakhasimende zikhula ziphuma esandleni

Izikweletu ezingakhokhiwe azivamile ukuba yinkinga ngosuku olulodwa. Ikhasimende elihle likhokha ngokubambezeleka kancane, bese libambezeleka kakhulu. Umsebenzi ovakashela amakhasimende unikeza ikhredithi ukuze athole i-oda ngoba akekho owayemtshele ukuthi ikhasimende selisele emuva. Ibhalansi yokuqala evela kwisistimu endala ayikaze ihlolwe. Ngalinye icala libonakala lincane, kodwa ndawonye zibopha imali oyidingayo yempahla, uphethrolo nemiholo.

Esinye isizathu ukungabi nobunikazi obucacile. Umbhali wezimali ucabanga ukuthi umsebenzi ovakashela amakhasimende ulandela inkokhelo; umsebenzi ovakashela amakhasimende ucabanga ukuthi kungumsebenzi wezimali. Ikhasimende alizwa kumuntu, bese likhokhela ngokuthula abahlinzeki ababuza.

Isinyathelo 1: azi ukuthi ubani okweletwe yini nokuthi kade kangakanani

Qala ngohlu lwebudala bezikweletu. Ngekhasimende ngalinye, bonisa imali yonke ekweletwe bese uyihlukanisa ibe amaqembu amane ngokuya ngobudala: izinsuku ezingu-0–30, izinsuku ezingu-31–60, izinsuku ezingu-61–90 nezinsuku ezingaphezu kuka-90. Bala ubudala kusukela osukwini lwesikweletu, bese ufaka izinkokhelo kumanani amadala kakhulu kuqala, ukuze uhlu lufane nendlela amakhasimende abona ngayo i-akhawunti yawo.

Izinombolo ezimbili kufanele zibe phezulu kohlu:

Ngaphezu kwemigomo yokukhokha: ingxenye esele ibambezelekile, isebenzisa imigomo yekhasimende ngalinye (izinsuku ezingu-7, 14, 30 noma 60), hhayi umthetho ofanayo kubo bonke.
Izinsuku zokuthengisa ezingakakhokhelwa (DSO): cishe izinsuku zokuthengisa ezingakakhokhelwa. Uma imigomo yakho ingu-30 futhi i-DSO ingu-55, imali iza ngokubambezeleka cishe inyanga yonke.

Uma ushintshela kumashidi wezibalo noma kwesinye isistimu, faka kuqala ibhalansi yokuqala yekhasimende ngalinye nosuku lwayo. Ngaphandle kwalokho, uhlu luqala ku-zero, futhi izikweletu ezindala kakhulu, ezibaluleke kakhulu, azibonakali.

Isinyathelo 2: lungiselela uhlu lokuqoqa njalo ngoMsombuluko

Unganami ukulanda wonke umuntu ngesikhathi esisodwa. Hlela uhlu ngemali engaphezu kwemigomo, ehamba phambili kuqala, bese ukhetha amakhasimende ayishumi kuya kwayishumi nanhlanu aphezulu ngalesi sonto. Phawula lawo adlula umkhawulo wekhredithi. Lawo ngama-akhawunti lapho ukuvakasha kwalesi sonto kuzoletha imali eningi kakhulu futhi kuvimbele ukulahlekelwa okukhulu.

Isinyathelo 3: nika ikhasimende ngalinye elibambezelekile umnikazi munye

Bhala umthetho munye olula: umsebenzi ovakashela amakhasimende olawula ikhasimende nguye oqoqa kukhasimende. Uyalazi ikhasimende, uyavakashela noma kunjalo, futhi isikhumbuzo esihlonipha ngobuso nobuso sisebenza kangcono kakhulu kunencwadi. Ama-akhawunti angenamsebenzi ovakashela amakhasimende, noma abambezeleke ngaphezu kwezinsuku ezingu-60, aphethwe umphathi.

Hlela izivakashelo zokuqoqa emizileni yesonto, ungazibheki njengohambo olengeziwe. Umhlahlandlela wethu weukuhlela imizila yokuthengisa okuvakashelwa ukhombisa indlela yokuhlanganisa izivakashelo ngezindawo ukuze ukuqoqa kungabizi lutho ngophethiloli.

Isinyathelo 4: yenza ingxoxo ibe lula

Abakhokhi abambezelayo abaningi abanqabi ukukhokha. Basebenza kakhulu, bampofu kulesi sonto, noma balindele idokhumenti. Nika abasebenzi abavakashela amakhasimende umbhalo omfushane nohlonipha:

Bonga ikhasimende ngebhizinisi lalo, ukhankanye inombolo yesikweletu nemali.
Buza ukuthi uzokhokha nini, bese nivumelana ngosuku oluthile.
Uma ikhasimende lingakwazi ukukhokha ngokugcwele, vumelanani ngenkokhelo yengxenye manje nosuku lwesinye.
Rekhoda okuvunyelwene ngakho, ukuze omunye ozofona kamuva akwazi.

Nikeza irisidi ngayo yonke inkokhelo, noma ngemali, noma ngokudlulisa kwebhange, noma ngemali yocingo, bese uyirekhoda ngokumelene nesikweletu ngalolo suku. Umhlahlandlela wethu weukuthengisa ngevani nokuqoqa imali uchaza umkhuba wansuku zonke wemali.

Isinyathelo 5: setha imikhawulo yekhredithi eqinile

Ukuqoqa kulula uma imali encane iphuma ngekhredithi ekuqaleni. Nika ikhasimende ngalinye lekhredithi izilungiselelo ezimbili: umkhawulo wekhredithi (imali enkulu kakhulu angayikweleta noma nini) kanye nemigomo yokukhokha (izinsuku angaba nazo zokukhokha). Bese usebenzisa imithetho emibili ngaphandle kokukhetha:

Ikhasimende elidlula umkhawulo walo alinikezwa ikhredithi entsha kuze likhokhe.
Ikhasimende elinesikweletu esibambezeleke ngaphezu kwezinsuku ezingu-60 alinikezwa ikhredithi entsha kuze kuqedwe.

Abasebenzi abavakashela amakhasimende kufanele babone ibhalansi nomkhawulo wekhasimende ngaphambi kokuthatha i-oda, futhi noma yisiphi isicelo sekhredithi ngaphezu komkhawulo sithunyelwe kumphathi ukuze avume, kunokuba sinqunywe ngaleso sikhathi.

Isinyathelo 6: buyekeza ukuqoqwa ngomsebenzi ngamunye njalo ngesonto

Kanye ngesonto, bheka izinto ezintathu kumsebenzi ngamunye ovakashela amakhasimende: uthengise kangakanani, uqoqe kangakanani, namakhasimende akhe akweleta kangakanani ngaphezu kwemigomo. Umsebenzi othengisa kakhulu kodwa aqoqe kancane akusona okusasebenza kangcono kakhulu kwakho. Ncoma labo abagcina ama-akhawunti abo ahlanzekile, bese uqondisa labo abaluhlu lwabo lwezikweletu lusaqhubeka lukhula. Imali eqoqiwe kufanele ibe nomugqa wayo wokubuyekeza kwakho kwenyanga ngayinye kweibhajethi nokuthengisa okuqinisekisiwe, ngoba ukuthengisa akuyona imali kuze kukhokhwe.

Amaphutha ajwayelekile okufanele ukugweme

Ukulinda kuze kuphele inyanga. Ngalesosikhathi, izikweletu zezinsuku ezingu-30 sezibe yizikweletu zezinsuku ezingu-60.
Ukulandela ngosayizi webhalansi yonke. Landela okubambezelekile, hhayi okukhulu kodwa okusesemigomeni.
Abantu ababili balandela ikhasimende elifanayo. Umnikazi munye ngakunye wama-akhawunti uvimbela ukudideka nokuzithiba.
Akukho zibalo zokuqala. Uma izikweletu ezindala zingekho kwisistimu, akekho ozozilandela nakanjani.

Indlela uWayfen asiza ngayo

Umbiko we-Izikweletu ka-Wayfen wakha uhlu lobudala bezikweletu ngokuzenzakalelayo kusukela ekuthengisweni nasekukhokheni okufakwa abasebenzi bakho abavakashela amakhasimende, kanye nebhalansi yokuqala yekhasimende ngalinye, umkhawulo wekhredithi kanye nemigomo yokukhokha. Ikhombisa okungaphezu kwemigomo, izinsuku zokuthengisa ezingakhokhelwa (DSO), amakhasimende adlula umkhawulo walo, uhlu lokuqoqa lokuqala olunomsebenzi ovakashela ikhasimende ngalinye, nokuqoqwa ngomsebenzi ngamunye, ohlulekile kakhulu kuqala. Ungayilanda njenge-PDF noma njengefayela le-Excel elinamafomula aphilayo, futhi ubeke ibhalansi nemigomo yekhasimende ngalinye ngesikhathi esisodwa kusuka kushidi lezibalo.

Imibuzo evame ukubuzwa

Ibhizinisi lobudala bezikweletu ngabe yini?

Umbiko wobudala bezikweletu uhlu lwawo wonke amakhasimende akweletayo imali futhi uhlukanisa ibhalansi ngayinye ngokuthi ayikhokhwanga isikhathi esingakanani, ngokuvamile izinsuku ezingu-0–30, 31–60, 61–90 nangaphezu kwezingu-90. Imali endala iba nzima kakhulu ukuyiqoqa, ngakho umbiko ukhombisa lapho okufanele uqale khona.

Ibhizinisi kufanele lilandele izikweletu ezingakhokhiwe kangaki?

Hlola uhlu njalo ngesonto. Xhumana nekhasimende uma isikweletu sidlula imigomo yokukhokha, bese futhi ngemva kwamasonto amabili, bese uphakamisela umphathi uma sesidlule izinsuku ezingu-60 sibambezeleke.

Umkhawulo wekhredithi omuhle wekhasimende ungaba yini?

Qala ngalokho ikhasimende elithenga ngakho emasontweni amabili kuya kwamane, bese ukhulisa kuphela ngemva kwezinyanga ezimbalwa zokukhokha ngesikhathi. Ikhasimende eledlule umkhawulo walo noma elibambezelekile akufanele linikezwe ikhredithi entsha kuze ibhalansi isetshenziswe.

Izinsuku zokuthengisa ezingakhokhelwa (DSO) ziyini?

I-DSO iyisilinganiso sensuku ephakathi amakhasimende akho athatha 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 kancane ngokubambezeleka.

Zama i-Wayfen mahhala izinsuku ezingu-14 nabantu abangafika kubahlanu. Akudingeki ikhadi.

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