-Delile
- Kungani abantu bekhetha ukuhlukanisa izimali zabo emshadweni
- Ungalunga kanjani emshadweni onezimali ezihlukanisiwe?
- Yiziphi ezinye izindlela?
- Izinkinga zengqondo nezimali ezihlukanisiwe
Wake wazibuza ukuthi ungahlukanisa kanjani imali yakho emshadweni? Imibhangqwana isondela ezimalini zayo ngezindlela ezahlukene. Abanye bayinqwabelanisa ndawonye futhi babe nesikhwama esabiwayo okuthengwa ngaso konke.Abanye abakwenzi lokho, kepha bagcina ama-akhawunti ahlukene futhi babelana kuphela ngezindleko ezifana nerenti noma amaholide omndeni. Uma unomuzwa wokuthi ukwahlukanisa imali noshade naye kuyinto efanele ukwenziwa, nazi izeluleko ezimbalwa zokwenza lokho.
Kungani abantu bekhetha ukuhlukanisa izimali zabo emshadweni
Abaningi bethu bazizwa becindezelekile ngandlela thile ukuthi babe nesikhwama esabiwe emshadweni, kuza njengokukhombisa uthando. Noma kunjalo, lesi yisimo sengqondo esingasekelwe ngokoqobo. Kuyinto yokwakhiwa kwamasiko nezenhlalo kuphela. Eqinisweni, imali ayihlanganise lutho nothando, futhi lokhu kuhamba noma iyiphi indlela.
Futhi ungacabangi ukuthi uzicabangela wena uma ubona sengathi wena noshade naye anifanele ukuhlanganyela i-akhawunti nezindleko. Empeleni, kuphambene - uma uzwa ukuthi ukwenza kanjalo ngaphansi kwengcindezi, uvumela ukukhungatheka okuningi okungashiwo ukuthi kwakheke, futhi awukhulumisani ngokukhululekile noshade naye.
Kakhulu, abantu bakhetha ukuhlukanisa ezezimali zabo lapho oyedwa noma bobabili bezwa ukungalingani kukhulu kakhulu. Umuntu usebenzisa imali eningi futhi uhola imali encane kakhulu. Noma, kwezinye izimo, abalingani bathanda ukugcina ukuzimela kwabo kwezezimali hhayi ukuthi bavumelane nendlela omunye asebenzisa ngayo imali nezindleko. Noma, i-akhawunti eyabiwe imane idala izinkinga eziningi nokungavumelani, futhi abashadile bangakwamukela ukukhululeka ngokungafanele bathambekele ekuziphatheni kwezezimali kwabalingani babo.
Ungalunga kanjani emshadweni onezimali ezihlukanisiwe?
Uma ukhetha ukwehlukanisa imali yakho, kunezinto ezimbalwa ezibalulekile ozodinga ukuzinaka ukuze ungasebenzisi kabi lolu hlelo nokwethenjwa ngoshade naye. Anikwenzi lokho ukuthola imali, kepha niphokophele ukuba nobabili nijabule ngaleli lungiselelo. Ngamanye amagama, uma uhlukanisa nje izindleko ngama-dollar, umuntu uzobe eswele kakhulu.
Okuhlobene: Ungakwenza Kanjani Ukulinganisela Okufanele Phakathi Komshado Nemali?
Indlela enhle yokwenza izinto icashe ngamaphesenti. Kumlingani owenza okuningi lokhu kungahle kubonakale kungalungile ekuboneni kuqala, kepha ilungiselelo elifanele kakhulu. Kwenziwa kanjani? Yenza izibalo zakho. Bona ukuthi udinga malini kuzindleko zakho owabelane ngazo ngama-dollar, bese ubala ukuthi imaphi amaphesenti womholo wakho ngamunye ahola ingxenye ngqo yesamba semali eyenziwa ngamadola. Kuzwakala kuyinkohliso kepha empeleni akunjalo. Futhi kuyindlela enhle yokunikela esikhwameni somshado wakho, zombili zibekela eceleni u-30% wemali yakho oyiholayo, ngokwesibonelo, futhi ube nakho konke okunye ngokubona kwakho.
Yiziphi ezinye izindlela?
Kungenzeka futhi ukuthi wenze elinye ilungiselelo, kunjalo. Isibonelo, ungaqhubeka unikele esikhwameni sakho owabiwe ngaso iningi lemali yakho engenayo, kepha uvumelane "ngesibonelelo". Lesi sibonelelo singaba yisamba samadola noma amaphesenti wemali yakho etholwayo ngamunye wenu ayisebenzise kunoma yini ayithandayo, kanti enye isasebenzisana.
Noma, ungavumelana ngokuthi yiziphi izindleko ozozinakekela nguwe, nokuthi yiziphi ozoshada nazo. Ngamanye amagama, omunye wabashadikazi uzokhokha izikweletu zokusetshenziswa, kanti omunye uzokhokha imali ebanjisiwe. Omunye uzokhokhela izindleko zansuku zonke nokudla, kanti omunye uzonakekela amaholide omndeni.
Okuhlobene: Indlela Yokugwema Izinkinga Zezezimali Emshadweni Wakho
Futhi emishadweni lapho omunye umlingani esebenza omunye engasebenzi, kusengenzeka ukuthi kugcinwe izimali ezihlukene, bobabili benikela. Uzakwethu osebenzayo, nakanjani, uzokwabelwa ukuletha imali, kanti umlingani ongasebenzi uzophatha ukuthola izindlela zokunciphisa izindleko ngangokunokwenzeka, ngamakhuphoni nokunye. Futhi umlingani osebenzayo, naye, ngenxa yezindleko eziphansi, angahlela i-akhawunti "yomholo womlingani" lapho bezofaka khona imali kumlingani ongasebenzi.
Izinkinga zengqondo nezimali ezihlukanisiwe
Emshadweni onezikweletu ezihlukene, ukuxhumana kubaluleke njengalapho nabelana ngezezimali. Kulokhu, kuzoba ngenhlonipho, izidingo kanye namagugu, kanye neqiniso lokuthi ukwehlukaniswa kwemali akusho ukungazinikeli empilweni yakho eyabiwe. Ngokuphambene nalokho, iveza isinqumo sabantu abadala ngokuya ngohlelo lwakho lwamagugu. Ukuphela kwento manje ukuthi ubuyekeze isinqumo njalo futhi ukhulume ngokukhululeka ngokuthi ngabe usabona ukuthi kuyinto elungile yini emshadweni wakho.