Wake wezwa ngokuqothuka kwemali? Uyazi ukuthi kuyini? Lo mqondo uhlobene nemali futhi ugxile kubasebenzi abazisebenzayo.
Kodwa, Kuyini ukuqothuka kwemali? Isebenza kanjani? Ubani owamukelayo? Konke lokho yikho esifuna ukukhuluma ngakho ngezansi. Siqale?
Kuyini ukuqothuka kwemali?
Into yokuqala okudingeka uyazi umqondo waleli gama. Isho ibhonasi eyengeziwe abakunika yona ngaphezu komholo wakho. Ngamanye amazwi, yisamba semali yeholo eyengeziwe abanye abasebenzi abayitholayo ngemibandela ethile.
Manje, lena kungaba incazelo esetshenziswa kakhulu eSpain. Kodwa iqiniso liwukuthi Kukhona enye incazelo ehluke ngokuphelele yalo mqondo. Kwamanye amazwe, ukwehluleka kohlobo lwemali kusho ukonakala noma ukulahlekelwa yimali. Okusho ukuthi, kokubili izinhlamvu zemali nezikweletu zingalimala ngenxa yokusetshenziswa. Futhi leso simo yisona esibizwa yilo mqondo.
Sekushiwo lokho, kufanele wazi ukuthi kulesi sihloko sizogxila encazelweni yebhonasi yeholo eyengeziwe.
Kuyini ukulahlekelwa kwemali?
Ngokucabangela umqondo, umsebenzi oyinhloko wokuqothuka kwemali ngu ukunikeza uchungechunge lwabasebenzi imali eyengeziwe yokuhlangabezana nochungechunge lwemibandela. Manje, kufanele ukhumbule ukuthi lo mqondo awulawulwa yiSitatimende Sabasebenzi (ngakho-ke akuyona into esebenza kubo bonke abasebenzi).
Eqinisweni, isetshenziswa kuphela kwezinye izivumelwano ezihlangene kanye nakwezinye izinkontileka, inqobo nje uma kube yinto okuvunyelwene ngayo phakathi komsebenzi nomqashi noma inkampani.
Yiziphi izisebenzi ezinelungelo
Uyafuna ukwazi ukuthi njengesisebenzi unalo yini ilungelo lokulahlekelwa yimali? Kunezidingo ezimbalwa okufanele kuhlangatshezwane nazo ukuze ufanelekele lokhu. Phakathi kwazo kukhona:
- Ukuthi kubonakala esivumelwaneni esihlangene. Noma, ukwehluleka lokho, kunkontileka yesisebenzi uqobo. Lokhu kusho ukuthi, uma kungekho okubhekiselwe kulo mqondo esivumelwaneni esihlangene, futhi akukho okushiwo ezinkontileka, isisebenzi ngeke sibe nelungelo lokuthola le bhonasi.
- Ukuthi abasebenzi basebenze ngemali. Okusho ukuthi, bakhokhisa amakhasimende, noma ngokuphambene nalokho, bathola imali bese beyibeka ebhokisini. Lesi, ikakhulukazi, isizathu sokuba khona kwalokhu kulahlekelwa, njengoba kufanele kubhekwe njengesinxephezelo esingase sibe isinxephezelo kusisebenzi ngobungozi nomonakalo esibhekana nawo ngokwenza lezo zinkokhelo noma leyo misebenzi yemali. Sibhekise kuphi ngempela? Isibonelo, kungase kube namaphutha ekuqoqweni noma ekukhokheni, imali ingase ilahleke (ngokuzithandela, kunjalo), njll. Ngalokhu usuvele uthole umbono wokuthi obani abantu abayitholayo: ababalisi basebhange, abatshela izitolo ezinkulu, abantu abasebenza emakhasino noma emahholo okugembula, abashayeli bamabhasi, abantu abasebenza ezinkampanini ezihlobene ne-accounting, iqoqo, ukugcinwa. kwezimali…
Okufanele ukukhumbule ukuthi, Uma ukulahlekelwa kuhambisana nawe, lokhu akusho ukuthi uyohlala ukuqoqa. Siyachaza: njengesisebenzi unelungelo lokuya eholidini lakho. Futhi ngaleyo nyanga yeholide onayo, nakuba uzothola iholo lakho, okufanayo ngeke kwenzeke ngokulahlekelwa. Isizathu silula: njengoba ubungenzi umnyakazo wemali, awukwazanga ukubhekana nezimo ezidala ukulimala ngenxa yalokho kunyakaza.
Kwenzeka okufanayo uma uxoshwa. Emholweni wokuyekiswa, lo mqondo awubhekwa njengezinye izithasiselo zeholo elengeziwe.
Isizathu sokwehluleka kohlobo lwemali
Uma ufunde yonke into engenhla ngendlela efanele, ngokuqinisekile unokungabaza okuthile mayelana nalokhu kuhlukana. Futhi hhayi kancane.
Umsebenzi omkhulu waleli gama uthi isinxephezelo kubasebenzi ngalezo zinhlangano zenza imali. Kodwa empeleni, kuwuhlobo oluthile lomcamelo abasebenzi abanalo kumqashi.
Sikunikeza isibonelo. Cabanga ngomuntu osebenza esitolo esithengisa izinto ezinkulu. Lapho kufika ukuphela kwenyanga futhi bebala imali yabo yansuku zonke, bathola ukuthi kukhona ukungalingani. Kulokhu, imali ayitholakali.
Esikhundleni sokuthi isisebenzi kudingeke sikhiphe imali elahlekile ephaketheni laso (noma kulokhu, emalini yakhe yokuhola), usomabhizinisi noma inkampani isebenzisa imali evela kulokho kulahlekelwa kwemali eyengeziwe ukuze idonse imali eshodayo ukuze ibhalansise ukheshi. Noma yini esele ngemva kokwenza izibalo yilokho esikutholayo isisebenzi.
Okufanele ukwazi ukuthi Usomabhizinisi akakwazi ukudonsa imali engaphezu kwaleyo emele ukulahlekelwa. Isibonelo, ake ucabange ukuthi ukhokhiswa ama-euro ayi-100 ekulahlekelweni kwemali. Inyanga eyodwa kuvela ukuthi ukungalingani kungu-150. Umqashi angakwazi ukukuphuca kuphela ukulahlekelwa onakho kwama-euro ayi-100, kodwa akakwazi ukuthinta iholo lakho ukuze wengeze ama-euro angu-50 asele. Ngokufanayo, asinazo izithenjwa ezingaqhubeka zizisusa ezinyangeni ezilandelayo.
Yiqiniso, kufanele wazi ukuthi kukhona icala lapho inani eliphelele lingasuswa: lapho kusolwa ukuthi kukhona ubuhlungu obubonakalayo. Okusho ukuthi, kunobufakazi bokuthi imali yebiwa kurejista yemali noma lokhu kungafani kwenzeka ngokuqhubekayo.
Manje ungase ucabange ngomcabango ophambene, wokuthi esikhundleni sokulahlekelwa imali, kukhona okwengeziwe. Kulokhu, asikho isithenjwa esisitholile esenza sicabange ukuthi umqashi uzokunikeza okwengeziwe ngaleyo nyanga. Eqinisweni, njengoba kushiwo esivumelwaneni noma kwinkontileka, ngaphandle kwalapho kushiwo okuthile lapha, amanani okungalingani azoba izinzuzo zenkampani, kodwa hhayi kuwe.
Ukuqothuka kwemali, ingabe kuyacaphuna? Intela?
Omunye wemibuzo ongase uzibuze yona uma uthola leyo mali ukuthi inabuphi ubuhlobo noMnyango Wezezimali noma Nezokuphepha Komphakathi. Nokho, kufanele wazi ukuthi iyanikela futhi ikhokha izintela.
Lokho kusho ukuthi, Ngezokuvikeleka Komphakathi kuyacatshangelwa (ngoba kuyanikela), kanye nentela yemali engenayo yomuntu siqu, futhi (ngoba ikhokha izintela).
Ingabe sekucacile kuwe ukuthi kuyini ukuqothuka kwemali?