Umholo mhlawumbe ingxenye ebaluleke kakhulu lapho sicabanga ngomsebenzi wethu. Kukhona izinto eziyinkulungwane esingazikhohlwa, kodwa hhayi lokho, futhi kuyisizathu sokuthi nize nifike lapha. Izinkokhelo ezilinganiselwe kufanele zicatshangelwe ukuthi ziyini, into obekuthi ukube bezingekho, iholo lakho belizoba lincane. Noma ubeke enye indlela, uzoba nezinkokhelo uma zikuthinta.
Uma usanda kuba kwinhlolokhono yomsebenzi, noma usanda kwamukela eyodwa, lapho utshelwe khona ngezinkokhelo ezilinganiselwe, lesi sihloko siyakuthakasela. Ukuba nalokhu kungenzeka kunezinzuzo zako, kodwa futhi nokubi. Ukuze singakhiqizi okulindelekile okungamanga, sinikezele lesi sihloko ekuxazululeni ukungabaza okuvame kakhulu kulabo abangajwayele Izinkokhelo Ezilinganiselwe.
Ziyini izinkokhelo ezilinganiselwe?
Ngokusho kwe- Isigaba 31 Somthetho Wabasebenzi isisebenzi sinelungelo lokuthola amabhonasi ama-2 angajwayelekile unyaka. Indlela abangakhokhelwa ngayo ingase yehluke kuye ngesivumelwano esisebenzayo. Into ewukuthi iholo lenziwe izinkokhelo zenyanga eziyi-12, futhi lawo mabhonasi engeziwe angu-2 atholiwe, akhokhelwa ekuqaleni kwehlobo noma ngoKhisimusi. Kunemisho eyahlukene ephume ngokuhamba kwesikhathi, ekhombisa indlela lezi zinkokhelo ezingasebenza ngayo.
Uma izinkokhelo zihlukaniswa, inani lomholo wonyaka alihlukani, ngaphandle komholo wanyanga zonke ohlanganisa ingxenye elinganiselwe. Ngamanye amazwi, engeza Kanye nomholo, izinkokhelo ezengeziwe zihlukaniswa phakathi kwezinyanga ezingu-12. Ngale ndlela, iholo liyakhuphuka kancane, kodwa isisebenzi sigcina inani elifanayo unyaka wonke. Ngakho-ke uma uneholo elilinganiselwe, uma ufuna ukuqhathanisa iholo lakho, ingxenye elinganiselwe kufanele isuswe, ukuze kunqunywe iholo langempela.
Ingabe lokhu kunenzuzo enkulu kumqashi noma emsebenzini?
Kumsebenzi kuyafana ncamashi, ngoba imali yokugcina ezofika kungakhathaliseki ukuthi izinkokhelo zenziwa ngokwesilinganiso noma cha iyafana. "Abavikeli" bezinkokhelo ezengeziwe bavame ukuphikisa ngokuthi ukuthola imali eyengeziwe ngezikhathi ezithile kuyinjabulo. Ngendlela efanayo ukuthi umuntu obiza kakhulu ukonga uyoqiniseka ngokwengeziwe lezo zikhathi ezimbili zonyaka. Ngakolunye uhlangothi, uma behlukaniswa, asikho isisusa esikhulu kunazo zonke nganoma yisiphi isikhathi sonyaka, ngakho-ke ekugcineni, ezimweni zokuthola izindleko ezithile, kulula ukuwela kumakhredithi anobuthi. Kodwa lokhu kumuntu siqu.
Ngasohlangothini lwenkampani, uma inabasebenzi abambalwa, kungase kube ngcono ukuphindaphinda izinkokhelo ngokuba nomgcinimafa oqondile futhi okulula ukuwulawula. Umbono wukuthi azikho iziqongo zokusebenzisa imali ngezikhathi ezithile. Kodwa uma sikhuluma ngenkampani enkulu, kusengajabulisa ukugcina izinkokhelo ezengeziwe, ikakhulukazi uma kunesithakazelo ekutshalweni kwezimali nasekuxhaseni imali. Yebo, bangalokothi bawushaye indiva umsebenzi wokukhokha imali eyengeziwe kubasebenzi babo lapho kufika isikhathi.
Ibalwa kanjani imali eyengeziwe?
Umqashi akayena ophethe ukusetha inani lemali, kodwa angeke libe ngaphansi kwama-30 emalini enqunyiwe noma ephansi yomholo wochwepheshe. Khumbula ukuthi nakuba inkokhelo eyengeziwe ingabalwa njengezinsuku zomnikelo yebo kufanele ukhokhe intela engenayo. Uma kucatshangelwa ukuthi iholo, kanye neholo elengeziwe, liyi-Gross, kulesi sibalo esilandelayo ngeke sicabangele i-IPRF.
Ake sicabange ukuthi siqala ukusebenzela inkampani ngoSepthemba 1, futhi imali yethu yokuqala eyengeziwe iza ngoDisemba. Ake sithi iholo lingama-euro angu-1.000 ncamashi. Isibalo sizoba okulandelayo.
€1.000 X 120 izinsuku / 360 = €333,33. Lena isamba semali eyengeziwe okumele isisebenzi siyithole.
Khona-ke, enye inkokhelo elandelayo izowela kuye ngoJuni wonyaka olandelayo. Njengoba ususebenze izinyanga eziyi-10, izibalo zizoba kanje:
1.000 X 300 izinsuku / 360 = €833,33. Lokhu kuzoba inkokhelo yakhe yesibili.
Ekugcineni, Uchithe unyaka wonke enkampanini, besiyonikela isikhathi eside ngokwanele ukuze inkokhelo igcwale kuleyo ebekwe emholweni. Yiqiniso, amakhomishana namabhonasi awaphazamisi ekubalweni okukhulunywe ngakho. Olunye udaba ukuthi inkampani inikeza amabhonasi ngenye indlela, kodwa lezi vele ziyizimo ezingekho emthethweni njengoba kuvunyelwene ngaphansi kwemibandela lapho iqala umsebenzi noma ngokwentando yenkampani.
Ingabe ngikhetha inkokhelo elinganiselwe noma engancishisiwe?
Njengoba sibonile endabeni yokuthi kwakuzuzisa kakhulu yini kumqashi noma emsebenzini, lokhu Kuzoncika ekutheni ungonga noma cha.. Imali ozoyithola izofana nanoma yikuphi. Lapha isizathu esibambekayo kuzoba ukuthi uma ungumuntu okwaziyo ukulawula izindleko, noma owazi ukuphatha kahle ngokwezimali, kuyothakazelisa ukuyicela ukuthi ihlukaniswe ngokwezigaba. Uma, ngakolunye uhlangothi, izinombolo zingezona i-forte yakho, linda kuze kube ihlobo noma uKhisimusi uqala, ngaphezu kwalokho, kuyoba isimanga esimnandi kakhulu ukubona okungeziwe ku-akhawunti yakho, futhi ngeke kudingeke ukhokhe izindleko ezingadingekile kusengaphambili.
Ngethemba ukuthi lesi sihloko sikusize, futhi ukwazile ukuxazulula ukungabaza kwakho mayelana nezinkokhelo ezikhishwe ngokwezigaba.