Kuya ngokuya kwanda cela imalimboleko yomuntu siqu ukuze uhlangabezane nezindleko ezihlukene noma izikweletu. Kodwa, lapho ucela eyodwa, kuyadingeka ukucabangela izici eziningana ukuze ukhethe eyodwa engagcini ngokuphendula ukubuya esihogweni.
Uyazi ukuthi yiziphi izinto okufanele uzicabangele lapho ucela ukubolekwa imali yomuntu siqu? Sixoxa ngazo ngezansi.
Amaphuzu okufanele uwakhumbule lapho ufaka isicelo semali mboleko yomuntu siqu
I-Los imalimboleko yomuntu siqu zihlobene nabantu ngabanye, ngoba ba indlela esheshayo yokuba nemali yanoma yiluphi uhlobo lwesidingo. Nokho, kufanele kuqondwe ukuthi imali ebolekiwe empeleni iyisikweletu okufanele sikhokhwe esikhathini esifushane, esimaphakathi noma eside, okusho isibopho sokukhokha nyanga zonke.
Lokhu akusho ukuthi kubi ukucela imali-mboleko; empeleni, kunezinhlangano eziningi ezinikeza izimo ezizuzisayo, kodwa zilula cabangela izici ezithile ngaphambi kokwenza isinqumo sokugcina.
Inani ozolicela
Lapho ufaka isicelo semalimboleko yomuntu siqu, udinga ukwazi inani eliqondile olidingayo. Elinye lamaphutha amakhulu abantu abawenzayo ukucela imali eyengeziwe kunaleyo edingeka ngempela. Futhi kuyiphutha ezicini ezimbili:
- Ngoba imali esele ngeke uyisebenzise (noma akufanele uyisebenzise).
- Ngoba izithakazelo, ngokuba imali enkulu, ziyakhuphuka, lokho ozobe ukhokhela ingxenye yemali ongeke uyithinte.
Kulokhu iseluleko sethu esingcono kakhulu ukuthi wazi kahle ukuthi yini oyidingayo futhi ungasifaki isicelo semali mboleko ngenani elikhulu, nakuba kuzwakala kulinga futhi ikhanda lakho likutshela izinto ezimbalwa ongayaba ngazo leyo mali.
Ngale ndlela, uzobe ugwema ukuboleka noma ukukhokha inzalo eyengeziwe.
Uzoyibuyisela kanjani?
Ukuboleka imali akusho ukuthi bakunika imali futhi uma ungakwazi, uyayibuyisela. Akusebenzi kanjalo. Ngenxa yalesi sizathu, wonke amabhange atusa ukuthi, ngaphezu kokwazi ukuthi udinga imali engakanani, ucabange ukuthi uzokwazi kanjani ukuyibuyisela.
Ngamanye amazwi, Sikhuluma ngokuthi ingakanani imali ongayibekela ukuyikhokha nyanga zonke ukuze ukhokhe imali ebolekiwe. Ngale ndlela, kungenziwa ukuhlola ukuze kwaziwe isikhathi esizosithatha ukukhokha yonke into, kuhlanganise nenzalo ezoba phezulu njengoba isikhathi esiningi sidlula.
Khumbula ukuthi, uma ungakwazi ukuyikhokha, ungase wenze iphutha noma ukhokhelwe okungeke kwenze lutho ngaphandle kokwenyusa imali okufanele uyikhokhe (futhi kuzoba nzima kakhulu ngawe ukuthi ufake isicelo sesinye isikweletu somuntu siqu).
Okuhle kakhulu yilokho zama ukuyibuyisela ngokushesha ngoba ngaleyo ndlela uzokwazi ukukhokha kancane.
Ungalibali
Njengoba sikutshelile ngaphambili, Izimali ezisilele emuva noma ezileleyo ziyakhokhwa, futhi zingabiza kakhulu. Ngakho-ke, inyanga nenyanga, zama ukubeka eceleni inani ukuze wanelise isitolimende sanyanga zonke semali mboleko futhi ngaleyo ndlela uhambisane nesikhathi. Uma usalela emuva, lokhu kuzodala ukuthi imali ebolekiwe ibize kakhulu, ize ibe wumthwalo.
Bheka i-APR
Lapho uqasha imali mboleko yomuntu siqu, omunye wemibandela ebaluleke kakhulu kuwe i-APR, okungukuthi, Izinga Elilinganayo Lonyaka. Kulapho imali ebolekiwe ibiza malini ngempela ifakiwe ngoba Izoba namakhomishana, izintshisekelo kanye nezindleko ezifakwa enanini lemali oyicelile.
Ukwenza kube lula kuwe, cabanga ukuthi ucele ama-euro ayi-1000. Nokho, i-APR ikutshela ukuthi kufanele ubuyisele ama-euro ayi-1200. Lokho kungenxa yokuthi kulawo ma-euro ayi-1000 bangeza inzalo, amakhomishini, izindleko, njll. lokho kwenza ukuthi ubuyele kakhudlwana.
Ungasigcini isikweletu sakho sokuqala
Kujwayelekile ukuthi, uma une-akhawunti yasebhange futhi ungazwani kabi nebhange, uma udinga imali ebolekiwe, uye kulo ukuyoyiphatha. Kodwa namuhla kunemikhiqizo eminingi nezinhlangano emakethe ezingakunikeza izimo ezingcono.
Ngisho, akufanele wamukele isipho sokuqala abakunikeza sona kodwa ubuyekeze izinketho ezimbalwa ukunquma ukuthi iyiphi engcono kakhulu kuwe. Kulokhu kukhona abaqhathanisi abangakusiza (yize ngokuhamba kwesikhathi kulungele ukuhamba ngamunye ngamunye ukuqinisekise ngoba izimo emabhange zishintsha kakhulu).
Ungesabi ukuboleka imali ebhange lapho ungenayo i-akhawunti. Uma kufaneleka, ineziqinisekiso futhi lokho abakunikeza khona kuhle, akukho lutho okufanele lwenzeke.
Qaphela izikweletu "ezisheshayo".
Okwesikhathi esithile manje, ezinye zezikweletu ezibonakala kakhulu futhi ezikhangiswayo yilezo ezisheshayo, lapho zingakuceli lutho ukukhombisa ukuthi ungayibuyisela imali.
Njengomthetho ojwayelekile, Amaphepha amabili ibhange elikucela ukuthi uhlole isicelo semalimboleko yi-payslip yakho kanye nenkontileka yakho yokuqashwa. I-payroll ngoba bafuna ukwazi ukuthi uhola malini nokuthi uzokwazi yini ukubuyisela imali; kanye nenkontileka yokubona ukuthi ayipheli yini noma ungalahlekelwa umsebenzi wakho ngaphambi kokukhokha imali ebolekiwe nabo (yingakho bevame ukucela isiqinisekiso).
Kodwa kunezinye izinhlangano ezingaceli lutho futhi zikunike cishe ngaphandle kwencazelo. Ongase ukwazi ukuthi, kulezo zimali mboleko, kukhona izithakazelo kanye namakhomishini aphakeme kakhulu kunasemabhange, futhi uma ungakwazi ukuyikhokhela, inqwabelanisa kuze kube yilapho ingasakwazi ukusimama.
Funda ngokucophelela imibandela yemali mboleko yomuntu siqu
Ngaphambi kokusayina inkontileka yemalimboleko, funda kahle imibandela, konke ekushoyo (ngisho noma kubanzi futhi kuyinkimbinkimbi ukuyiqonda). Kulungile ukuthi, Uma iphuzu lingacacile kuwe, buza. Singancoma nokuthi uqophe leyo ngxoxo ngalokho okungenzeka.
Ngale ndlela uzokwazi ukuthi yini oyisayinayo nakho konke okudingeka ukuqonde ngaleyo nkontileka ukuze kungabikho okumangalisayo kamuva.
Amabhange avame ukuhlinzeka ngamakhophi ezinkontileka ukuze abasebenzisi bawafunde ngokucophelela ekhaya. Kodwa noma kunjalo, ngosuku lokusayinwa, hamba ekuseni uyofunda idokhumenti ozoyisayina futhi (uzokwenza isiqiniseko sokuthi iyafana naleyo oyifundile futhi akukho okushintshile).
Iseluleko esisodwa esikunikeza sona ukuthi, Uma kufanele ucele ukubolekwa imali yomuntu siqu, yenza leso sinqumo kahle. Uma kungenasidingo, kungcono ukungakwenzi ngoba “uzoba sesikweletuni” isikhashana futhi unesibopho sokukhokhela leyo akhawunti elindile engase isinde ezinye izinto eziningi.