Umhlaba wezezimali uhamba ngokugxumagxuma ngezindlela ezintsha, izindlela nezinhlelo lapho abatshali bezimali bengahamba kalula nangenkululeko enkulu ezimakethe, ezinobubanzi obuningi ukuze kuzuze bonke abafisa ukutshala imali noma ukujula kulesi sihloko. .
Kulokhu kwenezelwa ukuthi izimpahla ziya ziba zinhle kakhulu futhi ngengozi zingatholakala ngobuningi, into egqugquzela abantu abangaphezu koyedwa ukuba babe nentshisekelo yokuba abatshalizimali.
Uma kubhekwa lokhu, kubalulekile ukuthi umuntu azi kahle amathuluzi ahlukene asetshenziswa ekutshalweni kwezimali, njengoba kwenzeka ukuqasha okungaguquki. Uma ukhuluma ngalo mqondo, ngokuvamile ubhekisela emalini engenayo etholwa yizimpahla zezezimali ezishiwo ngenhla noma lokho okubizwa ngokuthi izibambiso ezingaba kusukela kumasheya, amabhondi, izikweletu, phakathi kokunye. Yiqiniso, kufanele kucatshangelwe ukuthi leli thuluzi lingasetshenziswa kunoma yiluphi uhlobo lokutshala izimali, ikakhulukazi uma lusebenzisa izinhlelo zokulondoloza.
Incazelo yefayela le- imali engenayo
La imali engenayo Zivame ukuba yizinkinga zezikweletu ezisetshenziswa isikhathi esiningi yizifundazwe nezinkampani, ikakhulukazi uma zingena ezimakethe ezinkulu zezimali. Lolu hlobo lwenqubo seluphenduke uhlobo lomshwalense wemalimboleko ohlanganisa amabhondi nezinye izinhlobo zamadokhumenti okukhokha njengezikweletu. Uma sibuyela esigabeni esikhulu, kungathiwa ophethe isicoco, kungaba yinkampani ekhipha imali ecele ukubolekwa. Ngokuvamile, iphesenti elithile lenzalo livame ukukhokhwa phakathi nesikhathi okukhokhwa ngaso isikweletu.
Phakathi kwezibambiso eziyinhloko ngaphakathi kwalokho okungabizwa ngokuthi imali engenayo, ungaletha ama-cetes, amabhondi okonga, amadiphozithi esikhathi noma amanothi esithembiso, izibopho, ukwamukelwa kwebhange, ama-akhawunti okulondoloza, ama-repo, iphepha lezentengiso, ama-akhawunti asebhange noma amakhulu, amakhadi esikweletu noma asebhange. Kulokhu ungakwazi ukwengeza i-Afore kanye netafula lemali.
Amaphuzu okufanele uwaqaphele mayelana ne- imali engenayo
Kuhle ukusho ukuthi le ndlela ayifani nokwenza inzuzo ngazo zonke izikhathi. Umtshali-zimali ngale ndlela angenza ngalezi zindlela ezilandelayo, ezinganquma inzuzo noma ubungozi. Ngakolunye uhlangothi, ingabamba isibambiso kuze kube yilapho siphelelwa yisikhathi, nakuba ingase futhi ithengise isibambiso ngaphambi kokuphelelwa yisikhathi komunye umtshali-zimali ngaphakathi kwalokho okubizwa ngokuthi imakethe yesibili.
Ngokunokwenzeka, lokho okungahambi kahle kuzokwenzeka uma okhiphayo ehluleka ukwenza iphutha, okudume kakhulu njengengozi yesikweletu noma ingcuphe yokungabi nazimali.
Kungase futhi kube yindaba a imali engenayo okuyimfihlo, lokhu kuzozungeza kumanothi esithembiso (izibambiso zezikweletu) okuhloswe ngazo ukumboza izidingo zezimali zesikhathi esifushane zezinkampani ezizimele. Lapha ubungozi buzoncika kuphela kukhwalithi yenkampani