Ukufika kwe-coronavirus kuholele ekwehleni kwamanani wamasheya athengiswa ezimakethe zezimali. Ukufika ezingeni lokuthi ukuphepha okuningi sekuvele kuhweba ngezaphulelo ezidlula ngisho 50% amazinga. Lesi ngesinye sezizathu esenza ukuthi abanye abatshalizimali abancane nabaphakathi bacabangele ukubuyela kwabo kulezi zimpahla zezimali ukwenza ukonga kwabo kube nenzuzo kusuka manje kuqhubeke. Kepha ngengcuphe yokuthi lesi sinqumo sibandakanya ngesikhathi esibucayi kangaka emlandweni weplanethi. Ikakhulu ngenxa yokwesaba nokwesaba ukuthi bangabanjwa ezikhundleni zabo emakethe yamasheya.
Kule ndlela ejwayelekile, kubaluleke kakhulu ukuthi abasebenzisi bezimakethe zamasheya manje babheke ukuthi kungakanani imali efiselekayo ukutshala imali ezimakethe zamasheya. Ukuze ungenzi amaphutha amadala ongazisola ngawo ezinyangeni ezimbalwa ngenxa yokushoda kwemali ku-akhawunti yakho yokonga. Yebo, ngalo mqondo kufanele kuqashelwe ukuthi inani elitshaliwe emholweni oguquguqukayo lizonqunywa ngemali engenayo onayo inyanga ngayinye, imali etholakalayo, isimo sezimali eziphelele hhayi ukucabanga ngezinkinga zesikweletu noma ubuhlongandlebe. Ngakho-ke labo abazoqasha i- isikweletu semali mboleko noma somthengi Ezinyangeni ezimbalwa ezizayo, uma bekhetha le nketho, akufanele batshale imali engaphezu kwengu-20% yenhlokodolobha yabo kuzimo ezinhle kakhulu.
Ngakolunye uhlangothi, kubaluleke kakhulu futhi ukuthi kusukela kulo mzuzu onembile kubhekwe isikhathi saphakade lapho le misebenzi iqondiswe khona emhlabeni wemali. Okusho ukuthi, uma bezoba yi- isikhathi esifushane, esiphakathi noma eside ukuze ngale ndlela bazi ukuthi yimali engakanani okufanele bayenze ngokusemthethweni laba batshalizimali abancane nabaphakathi. Akumangalisi ukuthi leyo eqondisa ukuhamba kwayo ezinyangeni ezimbalwa nje iyohluka kakhulu kuneminyaka eyishumi. Ngoba empeleni, zizodinga amasu wokutshala imali ahluke kakhulu esimweni ngasinye. Ngalo mqondo, ukhiye wokungawenzi amaphutha wokubala ususelwe ekwenzeni ngokwezifiso zonke izimo ezivela ekutshalweni kwemali.
Imali engakanani ongayitshala?
Umbuzo ingxenye enhle yabatshalizimali abancane nabaphakathi abazobe bewubuza okwamanje futhi lokho akunampendulo elula. Ngalokhu ngeke kube nokukhetha ngaphandle ukuhlela izindleko nemali engenayo esizoba nayo eminyakeni embalwa ezayo. Kepha ngokombono ongokoqobo futhi ungalokothi ususelwe kulokho okulindelekile okungafinyeleleki. Ngoba kuleli cala lokugcina, imiphumela ingalimaza izintshisekelo zabasebenzisi besitoko. Kuze kube seqophelweni lokuthi ingadala enye inkinga ekubalweni kwemali yomuntu siqu noma komndeni. Ngakho-ke kubaluleke kakhulu ukuthi ngeke kube inani elifanayo kuzo zonke izimo, njengoba kunengqondo ukuqonda.
Njengokuthi iqiniso lokuthi ukulawula okukhulu kubhalansi ye-akhawunti yokonga kuyadingeka. Ukugwema izimo ezingafuneki ongasiyisa kuzo ukungakhokhelwa kwama-invoice, imali ekhokhwayo noma ezinye izinhlobo zezindleko zomuntu siqu. Ngokwalo mongo, akumele kudluliswe imali engaphezulu kwama-25% yemali efakiwe kulolu hlobo lwemikhiqizo yasebhange. Lokho wukuthi, ngokusebenza okuncane okuzokhiqiza inzuzo encane kuzo. Ukuze ngale ndlela, ukukhubazeka kungathinti ukunyakaza kwethu futhi kungaholela ekuthengisweni okubi, njengoba kwenzekile kulezi zinsuku ngemuva kokuwa ngesihluku ezimakethe zezimali emhlabeni jikelele.
Amaphrofayli avulekele kakhulu utshalomali
Kunoma ikuphi, akubona bonke abasebenzisi abanokuphendula okufanayo ukwenza imali yabo ekuthengeni nasekuthengiseni emakethe yamasheya. Ngaphakathi kwalesi simo jikelele, akungabazeki ukuthi kukhona amaqembu athile ezenhlalo angakwazi ukubeka engcupheni imali ethe xaxa kutshalo-mali lwabo olusekelwe ezimalini. Futhi ngalokho-ke yibo abangazuza emihlanganweni kulezi zimpahla zezimali. Kufike ezingeni lokuthi bangakwazi bekela kufinyelela kuma-40% noma ama-50% wedolobha lakho kulolu hlobo lwemisebenzi yokuthenga. Futhi ukuthi kancane kancane lezi zikhundla zingakhuliswa ngeminikelo eyengeziwe. Yibo abazobe besesimweni esihle sokuvela ngempumelelo kulesi simo esisha esethulwe izimakethe zezimali.
Vele kukhona amanye amaphrofayili phakathi kwabatshalizimali abancane nabaphakathi abahlangabezana nalokhu okulindelwe okukhethekile. Isibonelo, lezo esizokhuluma ngazo ngezansi. Esinye sezigaba ezifanele kakhulu yileso esihlanganisa abantu abanemiholo ephezulu kakhulu futhi okungadingeki babhekane nemali mboleko noma imalimboleko. Lokho wukuthi, labo abanomnotho ophilayo wasekhaya obabavikelayo kulolu hlobo lomsebenzi ezimakethe zamasheya. Kuze kube seqophelweni lokuthi ngeke besaba nezinkinga zokuqhubeka njengakuqala futhi bazokwazi ngisho nokusizakala ngamathuba ebhizinisi lesi simodeli sokutshala imali esisinikeza wona.
Abatshalizimali abanolwazi oluphakeme
Amanye amaqembu ezenhlalo angabeka engcupheni ngalezi zinhlangano abatshalizimali abanikeza ulwazi olunzulu ngalolu hlobo lokusebenza futhi abakhetha njengenye indlela yenzuzo ephansi enikezwa yi amadiphozi noma eminye imikhiqizo engenayo engaguquki. Kulesi simo esithile, kungaba isu lokutshala imali elizobhekiswa esikhathini esifushane ukuzama ukusizakala ngokuntengantenga okuphezulu ezimakethe zamasheya futhi ngalokho okungaxazulula ukusebenza ngesikhathi esifushane. Ngisho nokunyakaza kwe-intraday noma okwenziwe kuseshini efanayo yokuhweba.
Ngenkathi ngakolunye uhlangothi, asikwazi ukukhohlwa elinye iqembu elibucayi kakhulu ukukhetha lolu hlobo lokutshala imali kusuka manje. Imayelana nabasindisi abanikela ngokuthize amandla okuthenga ukuthi bangabhekana nolunye lwale misebenzi ngaphandle kokunciphisa ama-akhawunti abo ngenxa yokuvela kabi kwamanani. Akumangalisi ukuthi yibo abanamandla kakhulu okuphendula ekulahlekelweni okungenzeka kukhiqizwe kulokhu kusebenza emakethe yamasheya. Kuze kube seqophelweni lokuthi kungaba inketho enobungozi obuningi kunabanye futhi lokho kudinga isiyalo esikhulu ezenzweni zabatshalizimali ngokwabo.
Funa iseluleko somuntu ngamunye
Kuzo zonke izimo, elinye lamasu okuvikela imali etshalwe ezimakethe zezimali lisuselwa kulolu hlelo lokubhekana nokutshalwa kwezimali kusukela manje. Ngoba empeleni, akukwazi ukukhohlwa ukuthi abasindisi abakhulu nabaphakathi abangaphansi kokuqondiswa kwensizakalo yokweluleka ngotshalo yilabo abasesimweni esihle sokubhekana nalezi zinhlangano enhlokodolobha yabo etshalwe emakethe yamasheya. Ngoba ibaqinisekisa okukhulu ukuvikelwa lapho wenza izinqumo, ukuya ezingeni elikhulu noma elincanyana ngokuya ngezici zabo ebudlelwaneni babo nezwe lemali.
Ekugcineni, kukhona nabasebenzisi ngaphandle kwezinkinga zezezimali: izikweletu, ukukhokha sekwedlule isikhathi, ukusilela kwesabelomali, njll. Bakwazi ukufaka imali yabo engcupheni futhi bazame ukuyenza izuzise ngalezi zikhathi ngeziqinisekiso ezengeziwe zokuphumelela. Ngokunikezwa ngamathuba ahlinzekwa ezinye izibambiso ezibalulwe izaphulelo eziphakathi kuka-30% no-40% futhi ngalokho-ke kungasinikeza ukuthuthuka okukhulu kwempahla yomuntu siqu noma yomndeni. Ukufika ezingeni lokuthi bangabela iminikelo emikhulu yemali kunamanye amaqembu ezenhlalo.
Ungangeni esikweletini noma kanjani
Kunabatshalizimali abaningi abaphendukela emalimboleko ukwenza imisebenzi yabo yokuthenga nokuthengisa emakethe yamasheya futhi, etholakala njalo emabhange nasezikhungweni zezikweletu. Kepha futhi kubeka ingozi engenakuphikwa kuma-akhawunti wabatshalizimali ngoba ezimweni eziningi lapho kucelwa ukuthi kungenxa yokuthi ukungabi khona kwemali ukwenza umsebenzi. Futhi, ekulahlekelweni okungenzeka kutholakale, kufanele sengeze amakhomishini atholwe ekusebenzeni ngakunye naphakathi kuka-7% no-10% kumazinga wenzalo asetshenziswe yilezi zimali mboleko, okwenza umsebenzi ube nzima kakhulu njengoba izinzuzo obekufanele zinikeze ukuthengwa kwamasheya kuzofanele kukhokhele zonke izindleko ezibandakanya: amakhomishini, amanani wenzalo, ukukhokha intela, njll.
Ngakho-ke, kungadingeka ukuthola imbuyiselo engekho ngaphansi kuka-17% ukuze utshalomali luzoletha izinzuzo ephaketheni lomtshali-zimali omncane naphakathi. Ngakho-ke, ngaphansi kwanoma yiziphi izimo akufanele uphendukele kulolu hlobo lwemalimboleko, ngaphandle kokuthi unemali eyanele futhi, nganoma yisiphi isizathu, kungaba ngcono ukuthi uye kule ndlela uyokhokhela ukuthengwa kwamasheya. Ngakho-ke, qaphela kakhulu ngokuqasha umugqa wesikweletu ukwenza utshalomali ngoba ekugcineni ukusebenza kungabiza kakhulu futhi kunjalo ngaphezu kokucabanga kwethu ekuqaleni.