Imali yam

Ulondolozo luthetha ukubeka imali ecaleni ngokukhuselekileyo ithuba elifutshane (umzekelo, kwiakhawunti yebhanki). Utyalomali lumalunga nokubeka imali ukuze ikhule ngokuhamba kwexesha — ixesha elininzi ngomngcipheko ongaphaya, kodwa okunokuba nenzuzo enkulu kananjalo.

• Ulondolozo = ukhuseleko + ufikelelo olulula. Lulungile kwingxakeko.
• Utyalomali = ukukhula + umonde. Lulungile kwiinjongo zexesha elide ezifana nemfundo okanye umhlalaphantsi.

Icebiso: Qala ngomxube — soloko ugcine ingxowa yolondolozo yengxakeko uze ke ucinge ngokwenza utyalomali ngento onokukwazi ukuyikhulisa.

Isabelo bubunini obuthile kwinkampani. Ukuba unezabelo, ungumnini wenxenye yelo shishini

• Xa inkampani isenza inzuzo, inokuhlawula inzala — inxenye yaloo nzuzo — kubanini zabelo bayo.
• Izabelo zinokuthengiswa kananjalo: ukuba liyenyuka ixabiso lezabelo, unokwenza inzuzo. Ukuba liyehla, unokuphulukana nexabiso.

Izabelo zeTrasti yeThusano zinike abaxhamli zombini: inzala ngexa leminyaka eli-15 nangoku, ekufumanekeni kwezabelo, ithuba lokuthengisa okanye ukudlulisa izabelo zabo.

Imikhwa elungileyo yemali yakha uzinzo:

• Uhlahlo lwabiwomali: Bhala phantsi ingeniso kunye neendleko zakho — yazi ukuba iyaphi imali yakho.
• Yiphephe imigibe yamatyala: Zilumkele iimalimboleko ezinenzala ephezulu kunye netyala levenkile.
• Londoloza rhoqo: Nezixa ezincinci na ziyonyuka ngokuhamba kwexesha.
• Ceba kwangaphambili: Bekela imali ecaleni imali ehlawulelwa isikolo, ingxakeko, okanye umhlalaphantsi.
• Khusela into onayo: Qiniseka ukuba iinkcukacha zakho zokubhanka zikhuselekile kwaye ubulumkele ubuqhetseba.

Amagama ezemali anokudidekisa. Nasi isikhokelo esikhawulezileyo:

• Umxhamli — ngumntu ofumana iinzuzo kwiTrasti.
• Inzala — yintlawulo yekheshi evela kwinzuzo yenkampani eya kubanini zabelo.
• Ibhrokha — ligcisa elinemvume elinceda wena ukuba uthenge, uthengise, okanye ugcine izabelo.
• Ukufumaneka kwezabelo — kuxa izabelo zakho zifumaneka emva kwethuba lokulinda.
• Umyalelo werhafu — ngumyalelo ovela ku-SARS wokuba yimalini ekufuneka itsalwe kwintlawulo yakho.
• Ukhetho oluzenzekelayo — yinto ezenzekelayo xa ungenzi khetho (kwiTrasti yeThusano: izabelo ziyathengiswa kuze kuhlawulwe ikheshi).

ITrasti yeThusano yasekelwa ukuba inike abaNtu baseMzantsi Afrika ebebeHlelelekile ngokweMbali inxenye engqalileyo kwiinkampani zemigodi. Le yiNxenye yokuXhotyiswa kwabamNyama kwezoQoqosho (Black Economic Empowerment) (BEE), inkqubo yesizwe yokulungisa ukungalingani kwangaphambili kunye nokuqinisekisa ukuba kuxhamla abantu abaninzi kwimithombo yaseMzantsi Afrika.

Ngokuba ngabanini zabelo, abaxhamli banoku:

• Inzala ezuziweyo ngexa lethuba leTrasti.
• Ukufumana amalungelo okuvota njengabanini zabelo.
• Ngoku, lithuba lokuthengisa okanye ukugcina izabelo zabo emva kokuzifumana.

Oku akukho malunga nenzuzo yobuqu kuphela — yinxenye yokwakha uqoqosho oluquka ngokungaphaya nolufanelekileyo.