Ngizozama ukuhweba ngeFX futhi yini okufanele ngiyenze ngokuhlukile ngalesi sikhathi?
Kukhona ubuqiniso obuthile ekuhwebeni kweFX; lapho 'i-bug ikulume' kunzima kakhulu ukufulathela ngokuphelele embonini ebanzi nakumsebenzi wokuhweba. Noma uzamile ukuhweba ngeFX futhi ulahlekelwe yimali kuhambo lwakho lokuqala (noma lwesibili) uzohlala ukholwa ukuthi ngokuzayo, kulokhu ngokwesithathu, kuzohluka, kulokhu uzolungisa konke kusukela ekuqaleni futhi ekugcineni uphumelele.
Izindaba ezimnandi impela ukuthi awuwedwa, imboni yeFX nomkhakha wokuhweba obanzi ugcwele izindaba bekufanele sihluleke kanye noma kabili (noma ngisho kaningana) ngaphambi kokukuthola kahle. Futhi azikho izindlela ezimbili esihamba ngazo, ukuze ekugcineni sibone ukukhanya kokukhanyiselwa komhwebi, ziyafana, ngamunye wethu uzoba nendaba yomuntu ngamunye yokuthi ekugcineni siphumelele kanjani.
Kepha yini esingayenza ngokuhlukile ethubeni lethu lesithathu futhi mhlawumbe lokugcina ekuhwebeni kweFX okuzohluka kakhulu ekuhlulekeni kwethu okuvunyelwe emizameni yethu yokuqala emibili? Yiziphi izifundo esizifunde ngokwehluleka kwethu kokuqala ezizosisiza ekwenzeni izinqumo ezingcono ngalesi sikhathi? Singakwazi yini ukulungisa kalula amaphutha aholele ekuweni kwethu emizameni yethu emibili yokuqala?
Ukuphendula le mibuzo yomibili isikhathi esisichithe siphuma emakethe sizobe sisifundise izifundo eziningana. Sizokwazi ukuthi isifiso sethu sangempela sokubuyela embonini sikhona ngendlela esasidla ngayo imicabango yokuhweba uma singekho emakethe. Uma sihlala sicabanga ngokuhweba futhi sigcina sinolwazi ngalokho okwenziwa yimakethe usuku ngalunye okusinikeza umkhondo omkhulu wokuthi sikhuthazeke kangakanani ukubuya. Akunasisekelo sokubuyela ekuhwebeni ngesimo sengqondo esinegazi 'sokuhweba ngokuziphindiselela' lokho
Ngeke ngikuvumele lokhu kungishaye
Kufanele siwabone amaphutha esiwenzile futhi mhlawumbe siphindaphinde njalo, okuholele ekwehlulekeni kwethu emizameni yethu emibili yokuqala yokuhweba. Sidinga ukuthatha ukuhlaziywa kwamakhaza okubanda nokungenanhliziyo ukuthi saphaphalaza kuphi. Ngokwenza kanjalo ngokungangabazeki sizonikeza ithuba lokulwa lokuwina emzameni wethu wesithathu wokuhweba.
Izindaba ezimnandi impela ukuthi amaphutha esiwenzile emizamweni yethu yokuqala kungenzeka amaphutha amakhulu abathengisi abaningi abawenzayo emizamweni yabo yokuqala ekuhwebeni futhi babila ezindaweni ezimbili ezihlukile futhi asixolisi ngokukuphinda lokhu. Ukuntuleka kohlelo lokuhweba oluningiliziwe futhi ngaphakathi kwalolo hlelo ukuntuleka kwamasu anokulawulwa okuyisisekelo kwemali nokuphathwa kobungozi. Lezi zici ezimbili yiziphambeko ezivame kakhulu esizenzayo njengabahwebi futhi kulula ukuzilungisa, kangangoba kuyimfihlakalo ukuthi sikwazi kanjani ukuzikhukhumeza ezintweni ezilula kangaka zokuxazulula izingqinamba.
Yize abakwa-Ms abathathu bezohwebo (indlela yokubeka ingqondo nokuphathwa kwemali yethu) bebaluleke kakhulu futhi bekala ngokulinganayo yingxenye yokuphathwa kwemali yoNks wethu abathathu kanye nohlelo lokuhweba jikelele esizobe sigxile kulo engxenyeni yokugcina yalesi sihloko .
Uhlelo lokuhweba
Kunamathempulethi amaningi amahhala laphaya maqondana nezinhlelo zokuhweba nokuqukethwe okuningi okufanele sikuqukethe ngaphakathi kohlelo lwethu lokuhweba kukhuluma ngokusobala lokho esingakubiza ngokuthi "ukuqonda okuvamile". Isibonelo, uhlelo lungahle lubandakanye ukuthi yikuphi ukuphepha esizokuhweba empeleni, yini ingozi esizoyithatha ngokuhweba ngakunye, ukuthi isu lethu lonke lokuhweba lizoba yini, yiziphi izikhathi zosuku esizohweba ngazo, ukuthi yikuphi ukwehla esizohlangabezana nakho ngaphambi kokuma ukuhweba, mingaki imisebenzi elahlekile ochungechungeni esizoyamukela ngaphambi kokuyeka ukuhweba, mangaki amakhono esizowathatha ngosuku, ngesonto noma ngenyanga. Kunokunye okuqukethwe okuningi esingaqukatha kulo magazini wethu futhi singathatha ngisho nesinyathelo esingeziwe sokuxhumanisa i-akhawunti yethu nenye yezinombolo eziningi zezenzakalo zokudayisa laphaya.
Ukuphathwa kwemali nobungozi
Njengoba sesivele sivezile kuhlelo lwethu lokuhweba amazwibela ezinye izithako ezibalulekile kuhlelo lwethu zizothinta ukuphathwa kwemali nobungozi njengoba lokhu kungenzeka kakhulu ukuthi ukuhweba kwethu kuhambe kabi emizameni yethu yokuqala emibili. Asigcinanga nje ngokuhweba ngaphandle kohlelo, futhi sahluleka ukuba nomthelela ongaba khona ekuphatheni ubungozi / ukuphathwa kwemali okungekho emthethweni. Futhi njengokulula kokuqaliswa kohlelo lokuhweba ukulungiswa kwezinkinga zokuphathwa kwemali kuzoba nemiphumela emibi kakhulu ekutheni silawula kanjani ukulahleka kwethu ne-akhawunti yethu.
Ngaphezu kwalokho, uma senza umzamo wangempela wokulawula ubungozi bethu ebhizinisini lethu lakamuva lokuhweba lapho-ke imizamo yethu yesithathu kungenzeka kube yisikhathi lapho ekugcineni sikuthola kahle njengakumcabango nasekwenzeni uma sibeka engozini mhlawumbe i-1% (ye-akhawunti yokuqala size) ekuhwebeni ngakunye lapho-ke kuzodingeka ukuthi sibe nochungechunge lwemisebenzi yokulahlekelwa eyi-100 ezosulwa nokuthi lowo mphumela ongenakwenzeka kungenzeka kube yinto engavamile kangako yokuthi singayichitha.
Ukulawula ubungozi bethu nokubeka imingcele yethu engcupheni kuhlelo lwethu lokuhweba akungabazeki ukuthi izixazululo ezimbili ezibalulekile esingazithatha ukwelapha amaphutha ethu okuhweba kwangaphambili. Ukubhekana nalezi zici ezimbili ezilula, njengoba sibonisile, kulula kakhulu ukukulungisa kunalokho abaningi bethu abangakuthokozela. Ukuzibusa manje kufanele kuqinisekise ukuthi inhlanhla yesithathu enhlanhleni yethu yokuhweba nokuthi okwesine azungeze kungadingeki.
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