Uhlahlo lwabiwo-mali luyindlela yokulawula ingeniso yentsapho ngokupheleleyo. Ukulondoloza uhlahlo lwabiwo-mali aluyikuthintelwa kwemali kuwe kunye nendlu yakho kuzo zonke iinkalo zobomi, kodwa ukukwazi ukuphatha ngokufanelekileyo nangokucwangcisa imali.
Ukuba ufuna ukwazi impendulo yombuzo othi "Ungayigcina njani uhlahlo lwabiwo-mali?" Emva koko funda eli nqaku. Ukubonelela kunye nokhuseleko lwakho lwezezimali okanye usapho lwakho luphucule rhoqo-le nto yinyani.
Iindleko kunye nengeniso, okanye indlela yokwenza uhlahlo lwabiwo-mali lwentsapho?
Okokuqala, kufuneka ufunde ngokwendlela yokwenza uhlahlo lwabiwo-mali, kuba ungenalo ulwazi olusisiseko, awukwazi ukuyilungisa ngokuchanekileyo.
Isakhiwo sohlahlo lwabiwo-mali luquka amaqendu ohlahlo lwabiwo-mali. Ingeniso yohlahlo lwabiwo-mali lusekelwe kumacandelo amabini aphezulu:
- ngeniso engundoqo;
- eyongezelelweyo ngeniso.
Kwinqaku yengeniso engundoqo, kunokwenzeka ukuba ufumane inzuzo efunyenweyo kwindawo yomsebenzi oyintloko welungu ngalinye lentsapho. Ukongezwa kwemali eyongezelelweyo yinzuzo eyenziwa yintsapho evela kumsebenzi owongezelelweyo, ukusuka kwamashishini, utsalo-mali okanye imali engenayo ekusebenziseni ipropati ekhoyo.
Imali esele ibhejethi yentsapho iyahlula ibe yimilambo emininzi, okanye njengoko usenokuba uqikelele kwizinto ezininzi zenkcitho:
- iindleko zokuqhuba;
- indleko zo ku qo kelela;
- ukugcina imali;
- yophuhliso mali.
Amagama afana nenjongo yenkcitho ayifumene ngokuhambelana neenjongo zabo eziphambili, esiza kuziqwalasela ngokubanzi. Iindleko zangoku ziyinxalenye yenkxaso-mali yentsapho, zibandakanya iindleko zezinto zonke ozifunayo: ukutya, iindleko zesevisi, iimpahla ezingabizi, izihlangu, iintlawulo zemboleko, njl njl. Ingxenye yemali ebekwa bucala kwiinjongo ezinzulu kunye neendleko, ezifana neeholide zeholide, ukuthengwa kwexabiso elibizayo-kuthiwa yindleko yokuqokelela. I-fund yolondolozo imali ihlehliselwe "ngosuku olumnyama". Uphuhliso lweengxowa lubona imali intsapho yakho efaka ngayo ekuphuhlisweni kwayo nayiphi na imithombo yenkxaso engaphezulu.
Uhlalutyo lohlahlo lwabiwo-mali luyakwenziwa emva kweenyanga eziyi-3-4 zokubhalisa ngokucophelela zonke iingeniso kunye neendleko zentsapho yakho, ngokubhekiselele kwisakhiwo esingentla.
Ngoku ukuba uyazi ukuba isicwangciso sabelo-mali sentsapho siyakwazi ukujonga iindlela zokugcina uhlahlo lwabiwo-mali.
Indlela yokugcina kakuhle uhlahlo lwabiwo-mali?
Ingeniso isisigxina, imali echazwe ngokucacileyo oyifumanayo emsebenzini wakho. Ngeendleko, yonke into iyahluke, ayinakulinganiswa.
Qaphela iindlela ezilandelayo zokugcina uhlahlo lwabiwo lwekhaya kwaye usebenzise konke okanye ubuncinane omnye wabo, lowo ufanelana nani.
Izindlela zokugcina uhlahlo lwabiwo-mali
Ukusetyenziswa kwezindlela ezilula zokugcina kunokunciphisa iindleko zentsapho ngo-10-25%.
- Ukuba unemoto, yisebenzise kuphela xa kunesidingo sangempela. Ukuba unethuba lokuhamba kwindawo yomsebenzi okanye kwivenkile, musa ukulahla okanye ukuyihoxisa.
- Cinga ngamathuba okugcina amandla. Sisetyenziselwa ukulawula iindleko zombane kwaye ungayiqwalasela inombolo enkulu yezixhobo zasemakhaya, ukusetyenziswa okungayekwa yincinci,
okanye ukuba akukho nzekayo, ke ubuncinane uzame ukufaka i-bulbs light bulbs endlini. - Phinda ucinge ngezicwangciso zerhafu zabaqhubi bakho beefowuni, njengengxelo nganye yexesha banikela ngemali ethe xaxa kwaye inenzuzo, kunye noshintsho apho intsapho yakho iya kukwazi ukuyigcina ukususela kwi-3 ukuya ku-5% yohlahlo lwabiwo-mali.
- Ungaziphihli ngokuphumla, uye kwiibhayisikobho, kwi-skate uze udide kwi-echibini, yenza njalo, ukuba kunokwenzeka, ngeentsuku zeveki. Okokuqala, ngeentsuku zeveki i-influx encinci yabantu, kwaye okwesibini, iindleko zeeholide ezinjalo ziya kuba nge-10-15% ezithengisa ngaphezu kweempela-veki.