Ngokuqhelekileyo, umvuzo womzali ulungiswa kuphela ukuba unemali emva . Oku kuthetha ukuba emva kweentlawulo.
Nangona kungengabo bonke abazali abahlawula inkxaso okanye abantwana abaye bahamba emva kweentlawulo okanye ezimbini zithotyelwe ukuhlaziywa, ukuqonda indlela inkqubo eguqukayo ngayo ukususela ekuqaleni ukuya ekupheleni kuya kukunceda ukuba uqonde ngokucacileyo indlela yokuyeka ukulungiswa kwemvuzo, ukuba ngokwenene kuyimfuneko.
Umqeshi wam Uhlawulela iMvuzo yam yokuNcedisa abantwana. Oku kwenzeka ntoni?
Umthetho uvumela abaqeshi ukuba bahlolisise ukufikelela kwi-50% ukuya ku-65% yomvuzo wokulahlekelwa ngumqeshwa wokuhlawula abantwana inkxaso. Umyinge weempatho ezilungisiweyo zihluka, kodwa ngokuxhomekeke ekubeni umlingani uxhasa elinye iqabane / umntwana. Inkqubo yokulungisa umvuzo womzali yile ndlela ilandelayo:
- Umqeshi ufumana ileta efuna ukuba inkampani ihlolisise umvuzo womnye wabo wabasebenzi. Ileta iya kubandakanya ikopi yenkundla yenkundla eyenza iintlawulo zokuxhasa abantwana.
- Umqeshi uzakuthumela ileta kumqeshwa, mhlawumbi kunye nekheshi elilandelayo okanye ngaphambili, ukuchaza ukulungiswa kwemvuzo.
- Umqeshwa / umzali unokuncintisana nokulungiswa kwemvuzo enkundleni kwaye enze ityala ngokusekelwe kutshintsho kwingeniso, ukungabikho kwemisebenzi, okanye ezinye iingxaki.
Indlela yokuLawula iimpazamo zokulungiswa kwemivuzo
Ngoko unokuba ucela, "Kuthekani ukuba umqeshi wam wagqithise ngengozi yemali yokuxhasa abantwana engekho intlawulo?" Ukuba umqeshi ephosakeleyo ekuhloliseni umvuzo womqeshwa, kufuneka:
- Hlanganisa ubungqina bazo zonke iintlawulo zokuxhasa abantwana
- Yiya enkundleni eya kukhupha umyalelo wokuxhasa umntwana kwaye ucele umyalelo wokuyeka ukulungiswa kwemvuzo ekuqhubekeni
- Ukuba isicelo sinikeziwe, thatha umyalelo wokuyeka ukulungiswa kwemvuzo kumqeshi wakho. Ukulungiswa kwemvuzo kufuneka kupheliswe ngokukhawuleza
Inkqubo yokuyeka iziphoso zokulungiswa kwemvuzo iyafana, ngaphandle kokuba iinkundla ziyakulungisa impazamo kwaye isebenzise isamba sokuhlawulela isabelo esitsha. Kwimeko apho ungekho ngokungafumani imali enokuyithatha kwimvuzo wakho, ngokuqhelekileyo kukusebenza kwakho nomqeshi ukuba ube nemali esele ibuyele kuwe. Kwezinye iimeko, kunokwenzeka ukuba usebenze nenkundla ukuba ube ne-rollover eyongezelelweyo kunye nokusetyenziswa kwenyanga okanye iinyanga ezizayo. Ukuncediswa ngale nkqubo, kufuneka ufikelele kubhalisi wenkundla, ngubani onokukukhokelela kwizinto ezifanelekileyo kwiindawo zakho.
UkuHlanywa koMqeshi kunye nokuNikwa kwemivuzo
Unokukhathazeka malunga nayiphi na inkcaso enokuthi iqhotyoshelwe kwinkqubo yokulungiswa kwemvuzo. Khumbula ukuba umthetho ukhusela abasebenzi ekubeni bachaswe ngokungafanelekanga ngenxa yokulungiswa kwemvuzo.
Umqeshi wakho akakwazi ukuphelisa umsebenzi wakho ngenxa yokulungiswa kwemvuzo, kwaye umqeshi angaligodli ngaphezulu kwesibonelelo semali esivumelekileyo esiphezulu (ngokuqhelekileyo i-50% ukuya kwi-65% yemali engenayo).
Ukuba ukholelwa ukuba unecalulo ngenxa yokuhlawulwa kwemivuzo, kufuneka uqhagamshelane nommeli kwilizwe lakho okanye ufake isikhalazo kwiSebe laseMelika laseMelika.
Ukuphepha Ukuhlaziywa Kwemvuzo
Ukuba uthe wawa emva kweentlawulo zenkxaso yabantwana, kodwa ungakabikho umvuzo wakho ulungiswe, cinga ukusebenza kunye neenkundla ukuphuhlisa ilungiselelo lokuhlawula. Unokuphinda ufune ukulungiswa komntwana xa ufumana iingxaki zemali okanye ukuba iimeko zakho zitshintshile kakhulu kuba umyalelo wokuxhasa umntwana wawukhutshwe okokuqala.
Ukuncediswa kule nkqubo, finyelela kummeli wenkonzo yokuxhasa abantwana endaweni yakho.