Funda indlela yokujonga ukuba ufuna ukutshintsha njani ukugodla kwakho umsebenzi wesibini.
YesiBini Sobumba
Ukuba usebenza umsebenzi wesibini apho umqeshi wakho enqabe khona, inketho elula kukufuna ibango kwikhokheji yakho yesibini. Nangona kunjalo, kusengumzekelo omuhle ukujonga nge-calculator yokubamba ukubamba ukuba ufuna ukulungiswa kwemali yakho yokubamba emsebenzini. Oku kufuneka kukuxelele ukuba kufuneka ukhululeke kangakanani. Le ndlela yindlela elula yokusingatha imali egcinwe kwaye awuyi ku funeka uxhalabe malunga nokuthumela kwiintlawulo zekota. Qiniseka ukuba ukhangele ukuze ubone ukuba oku kuya kuthintela njani irhafu yakho yorhulumente.
Ukusebenza njenge-Freelancer okanye kwiContrakta elizimeleyo
Xa usebenza njenge-freelancer okanye ikontraka, izinto ziya kuba nzima kakhulu kuba unembopheleleko yokuhlawula irhafu yakho. Umqeshi wakho akayi kubambelela nayiphi na imali. Unokugqiba ukuba ungakanani ukulungelelanisa imali yakho yokubamba usebenzisa i-calculator.
Oku kukuvumela ukuba ukwandise inani eliqeshwe ngumqeshi wakho wesikhathi esigcwele ekuhlawuleni kwenyanga.
Nangona kunjalo, i-calculator yokugodla ayifuni ingqalelo imali eyongezelelweyo oyifunayo ukuhlawula irhafu yerhafu. Ukongeza kwerhafu yakho yengeniso, kuya kufuneka uhlawule irhafu yerhafu.
Umqeshi wakho ubamba isiqingatha sale mali kwii-payers, kwaye uhlawulela esinye isiqingatha. Ukuba usebenza ngokuzimeleyo, uya kuhlawula konke. Le 15.3% yemali oyenzayo njengonkontileka ozimeleyo. Kufuneka wenze iintlawulo zenyanga okanye ubeke le mali ngaphandle. Unokwandisa imali oye wayigcina, kodwa uya kufuneka uqinisekise ukuba ubala inani ngokuchanekileyo.
Cinga ngezinye iinguqu kwiintlawulo zakho
Njengoko ukwandisa ingeniso yakho, itshintsha utshintshi wakho werhafu. Ukuba uhlala ufumana i-Income Income Credit, umsebenzi wesibini unokukwenza ungenakulungelelaniswa inzuzo. Oku kunokwenzeka ukuba umntu ohlala naye ekhaya abuyele emsebenzini, ngokunjalo. Ingeniso yakho iya kwanda, kwaye kufuneka ulungele ngaphezu konyaka, kodwa awuyi kufuna ukuhlawula imali efanayo xa ufaka iirhafu zakho, ngoko ke ukuba uthembela kule mali njengento yokukhulisa, kufuneka uceba ukuba ungafumani . Ukongezelela ukuba ubhalisele ukufumana imali eyongezelelweyo kwiifowuni zakho, uya kufuna ukutshintsha ifom yakho yokulondoloza ukuze ungagqiba ukuhlawula imali eninzi ekupheleni konyaka.
Ukuba uthe wathenga ikhaya okanye unomntwana, oku kungatshintsha umfanekiso wakho wezezimali kwaye kuthintele imali oyifunayo ukuba ungayinakuyihlawula irhafu okanye isixa olifunayo ukuhlawula ngekota.
Ukuba uqale ukufumana izabelo okanye ufumene ukuphakanyiswa, unokufuna kwakhona ukujonga ukuba imeko yakho ishintshile. Ingcinga efanelekileyo yokusebenzisa i-calculator nanini na ukuba imeko yakho yerhafu iyatshintsha. Unokuphinda uhlolisise ukuba uqiniseke ukuba usengumzila kunye neerhafu zakho ngo-Agasti okanye ngoSeptemba, okufuneka unike ixesha lokuqalisa ukugcina imali eyongezelelweyo xa kuyimfuneko.
Yenza Okona Yakho Yobini Yobini
Ukusebenza umsebenzi wesibini kunokubandezela kwaye kugxininise. Akunjalo into enifuna ukuyenza ixesha elide. Kubalulekile ukuba usebenzise imali yakho eyongezelelweyo ukukunceda ufinyelele iinjongo zakho zemali. Qinisekisa ukuba ubeka eceleni kwaye uvale ukubeka nayiphi na indleko enokunyuka ngenxa yomsebenzi wakho wesibili njengokutya okanye ukwanda kweendleko zokunakekela abantwana. Ukuba le nto iya kuba yimeko ende ende, unokufuna ukujonga utshintsho lomsebenzi okanye ukubuyela esikolweni ukuze ukwazi ukuzinyamekela.
Kunzima ukusinda xa ungasebenzi ngaphantsi okanye ungenzi okwaneleyo ukuba uphile.
Unokufumanisa ukuba imali eyongezelelweyo ayincedisi njengoko ucinga kwaye ingenakukufanelekela uxinzelelo olongezelelweyo. Ukuba unako ukulawula ukuhlawula iindleko ezisisiseko ngomsebenzi wakho wesikhathi esigcwele, kungcono ukuba uzinze kwiinkcitho zakho endaweni yokuzama ukugxotha imisebenzi emibini ngexesha elifanayo. Ukuba eli lixesha elifutshane ukukunceda ukongeze imali eyongezelelweyo ukuhlawula ityala okanye ukuguqula imeko yakho ngokubhekiselele kuyo inokulungelelanisa idini kunye nexesha.