Indlela yokubala ukuthi ubani okweleta bani ngemuva kohambo lweqembu (isinyathelo ngesinyathelo)
Ukubala ukuthi ubani okweleta bani: nikeza umuntu ngamunye ibhalansi eyodwa (akukhokhile ukususa isabelo sakhe), bese ufanisa okweleta kakhulu nokweletwa kakhulu.
Uhambo seluphelile. Wonke umuntu usekhaya, izithombe zisequmbeni le-WhatsApp, kanjalo nombuzo ongekho ofuna ukuwuphendula ngesandla: pho ubani okweleta bani? UThandi ukhokhele indlu, uSipho imoto, uNomsa isidlo sakusihlwa esisodwa, uBongani engasidlanga lesi sidlo kodwa wathenga ukudla okuthengiwe. Ukukuhlanganisa ekhanda kuyadida kungakapheli umzuzu.
Kukhona indlela esebenza njalo, edinga ukukhipha kuphela, futhi inikeza impendulo efanayo noma ngubani oyenzayo. Ukubala ukuthi ubani okweleta bani, hlanganisa lokho umuntu ngamunye akukhokhile nalokho isabelo sakhe esifinyelele kukho, bese ukhipha ukuze uthole ibhalansi eyodwa yomuntu ngamunye. Amabhalansi ahlala ehlangana abe yiziro. Bese okweleta kakhulu ukhokhela okweletwa kakhulu, uphinde kuze kube yiziro wonke umuntu.
Indlela yokubala izindleko ezabelwana ngazo: qala ngohlu olulodwa
Udinga amaqiniso amane kuzo zonke izindleko ezabelwana ngazo: bekuyini, ubani okhokhile, kungakanani, nokuthi ubani oyabelene nazo. Leyo ngxenye yokugcina yiyo abantu abavame ukuyikhohlwa. Isidlo sakusihlwa omunye umngane angasidlanga asabelwa abahlanu, nohambo lwesikebhe abathathu kuphela abalwenzile aluhlukaniswa neqembu lonke.
Zibhale endaweni eyodwa: encwadini yamanothi, kuspredishithi noma ku-app. Uma izindleko zazingezimali ezehlukene, guqula yonke ibe yimali eyodwa kuqala, ngenani elalisebenza ngesikhathi ikhokhwa; ukwahlukanisa amabhili phakathi kwezinhlobo zemali kuchaza isizathu.
Isinyathelo 1 — Thola isabelo somuntu ngamunye
Kuyo yonke indleko, hlukanisa inani phakathi kwalabo abayabelene nayo. Izindleko eziningi zohambo zihlukaniswa ngokulinganayo phakathi kwalaba bantu, kodwa indlela ifanayo isebenza nasezindleko ezihlukile: amanani aqondile, amaphesenti noma izabelo, njengoba izindlela ezinhlanu zokwahlukanisa indleko zichaza. Okubalulekile ukuthi izabelo zendleko ngayinye zihlangane zifike enanini layo.
Bese, kumuntu ngamunye, hlanganisa izabelo zakhe kuwo wonke uhambo. Yilokho uhambo olumbize ngakho.
Isinyathelo 2 — Ibhalansi yangempela = akukhokhile − isabelo
Kumuntu ngamunye, hlanganisa konke akukhokhele iqembu, bese ukhipha isamba sezabelo zakhe:
ibhalansi yangempela = isamba akukhokhile − isamba sezabelo zakhe
Inombolo enhle isho ukuthi iqembu limkweleta imali. Inombolo embi isho ukuthi ukweleta iqembu. Iziro isho ukuthi usevele alingana.
Manje hlola umsebenzi wakho: amabhalansi kumele ahlangane abe yiziro ncamashi. Yonke irandi elikhokhwe ngumuntu liyisabelo somuntu othile, ngakho isamba esikhokhiwe nesamba sezabelo yinombolo efanayo. Uma isamba singeyona iziro, indleko noma isabelo asilungile, futhi akufanele kukhokhelwane ngaphambi kokuba kulungiswe.
Isinyathelo 3 — Fanisa okweleta kakhulu nokweletwa kakhulu
Lokhu yikho ukubala ukuthi ubani okweleta bani ngokwako, futhi yingxenye ehlanganisa izikweletu zeqembu ngempela:
- Thatha umuntu onebhalansi embi kakhulu nomuntu onebhalansi enhle kakhulu.
- Okweletayo ukhokhela okweletwayo inani elincane kunawo womabili. Okungenani oyedwa kubo useziro manje.
- Phinda nalabo abasele kuze kube yiziro onke amabhalansi.
Ukukhokha ngakunye kuletha okungenani umuntu oyedwa eziro, ngakho iqembu labantu abangu-n lidinga ukukhokha okungu-n − 1 okuningi kakhulu. Isizathu sokuthi lokhu kuyasebenza, nokuthi kungani ungacelwa ukuthi ukhokhele umuntu ongazange akukhokhele, sichazwe ku-indlela ukwenziwa lula kwezikweletu okusebenza ngayo. Nansi ingxenye esebenzayo.
Isibonelo esibaliwe: ubani okweleta bani ngemuva kohambo lwaseThekwini
UThandi, uSipho, uNomsa, uBongani noZanele bachitha impelasonto ende eThekwini. UZanele ufika ngosuku olulandelayo futhi akayi ohambweni lwemoto, uBongani akayi esidlweni sakusihlwa sasolwandle, futhi uThandi, uNomsa noZanele kuphela abaya ohambweni lwesikebhe.
| Indleko | Ikhokhwe ngu | Inani | Yabelwana ngu | Isabelo ngamunye |
|---|---|---|---|---|
| Indlu yokuqasha, amabusuku amathathu | UThandi | R15 000 | Bonke abahlanu | R3 000 |
| Imoto nophethiloli | USipho | R6 400 | UThandi, uSipho, uNomsa, uBongani | R1 600 |
| Isidlo sakusihlwa sasolwandle | UNomsa | R5 200 | UThandi, uSipho, uNomsa, uZanele | R1 300 |
| Ukudla okuthengiwe | UBongani | R3 000 | Bonke abahlanu | R600 |
| Uhambo lwesikebhe | UZanele | R3 300 | UThandi, uNomsa, uZanele | R1 100 |
| Amathikithi emnyuziyamu | USipho | R1 500 | Bonke abahlanu | R300 |
| Isamba | R34 400 |
Isinyathelo 1 nesesi-2 ndawonye. Isabelo sikaThandi singu-R3 000 + R1 600 + R1 300 + R600 + R1 100 + R300 = R7 900. EsikaBongani singu-R3 000 + R1 600 + R600 + R300 = R5 500, ngoba akayanga esidlweni sakusihlwa nasesikebheni. Izibalo ezifanayo kumuntu ngamunye zinikeza:
| Umuntu | Ukhokhile | Isabelo | Ibhalansi yangempela |
|---|---|---|---|
| UThandi | R15 000 | R7 900 | +R7 100 |
| USipho | R7 900 | R6 800 | +R1 100 |
| UNomsa | R5 200 | R7 900 | −R2 700 |
| UBongani | R3 000 | R5 500 | −R2 500 |
| UZanele | R3 300 | R6 300 | −R3 000 |
| Isamba | R34 400 | R34 400 | R0 |
Hlola: 7 100 + 1 100 − 2 700 − 2 500 − 3 000 = 0. UThandi noSipho bakweletwa u-R8 200 ndawonye, kanti uNomsa, uBongani noZanele bakweleta u-R8 200 ncamashi.
Isinyathelo 3. UZanele ukweleta kakhulu (−R3 000) futhi uThandi ukweletwa kakhulu (+R7 100): uZanele ukhokhela uThandi R3 000, futhi uThandi usakweletwa u-R4 100. Okulandelayo, uNomsa (−R2 700) ukhokhela uThandi R2 700; uThandi usakweletwa u-R1 400. UBongani (−R2 500) ulandela, futhi uThandi usengumkweletwa omkhulu: uBongani ukhokhela uThandi R1 400, kusale uBongani ku-−R1 100. USipho manje ungowodwa osakweletwa: uBongani ukhokhela uSipho R1 100.
Izinkokhelo ezine, futhi wonke umuntu useziro. Uma kubhalwe njengezikweletu ezehlukene, kusuka kumuntu ngamunye oyabelene nendleko iye kulowo owayikhokhile, uhambo olufanayo luyizikweletu ezingamashumi amabili, noma eziyishumi ngisho nangemva kokufanisa abangane ababili ngamunye nomunye.
Uma indlela elula inikeza izinkokhelo eziningi kunezidingekayo
Ukufanisa omkhulu nomkhulu kuyashesha futhi akudingi izinkokhelo ezingaphezu kwe-n − 1, kodwa kungase kuphuthelwe yindlela emfushane. Cabanga ngabangane abahlanu abanamabhalansi: uLwazi +R800, uBusi +R600, uMandla −R400, uLindiwe −R400 no-Ayanda −R600.
Ukufanisa omkhulu nomkhulu kunikeza izinkokhelo ezine: u-Ayanda ukhokhela uLwazi R600, uMandla ukhokhela uBusi R400, bese uLindiwe kumele akhokhele uBusi R200 noLwazi R200. Kodwa u-Ayanda ukweleta ncamashi lokho uBusi akweletwa kona. Bafanise kuqala, bese okunye kulula: u-Ayanda ukhokhela uBusi R600, uMandla ukhokhela uLwazi R400, uLindiwe ukhokhela uLwazi R400. Izinkokhelo ezintathu.
Ngakho ngaphambi kwesinyathelo 3, funa okuhambisanayo ncamashi, umuntu okweleta ncamashi lokho omunye akweletwa kona, bese uqala ngokuxazulula amabhangqa. Eqenjini labangane, lokho kuhlola okukodwa ngokuvamile kukufikisa ezinkokhelweni ezimbalwa kakhulu.
Amaphutha aphuca ukubala
- Ukushiya umkhokhi ngaphandle endlekweni yakhe. UThandi ukhokhele indlu, kodwa naye wayilala; isabelo sakhe esingu-R3 000 siyabalwa.
- Ukwahlukanisa konke phakathi kwawo wonke umuntu. Umuntu ongadlanga isidlo sakusihlwa kufanele abe nesabelo seziro kuso, hhayi ingxenye yesihlanu.
- Ukubhala ukubuyisa imali njengendleko entsha. Ukudluliswa phakathi kwabangane ababili kushintsha amabhalansi abo kuphela; akuyona indleko eyabelwana yiqembu.
- Ukuhlanganisa izikweletu ngesamba esingahlanganiyo sibe yiziro. Lungisa uhlu kuqala.
Lapho usunezinkokhelo, ukuzithumela kulula; ukuhlanganisa izikweletu ngaphandle kwamahloni kuhlanganisa ukucela.
Lapho i-Donget ingena khona
I-Donget yenza lezi zinyathelo ezintathu njalo uma othile engeza indleko. Okhokhayo usetha Kukhokhwe ngu bese ekhetha ukuthi ubani oyabelana nayo, nge-Okulinganayo, Inani, Iphesenti noma I-Multiplier, ngakho umuntu ongadlanga isidlo sakusihlwa nje akafakwa kuso. Ithebhu ye-Amabhalansi ikhombisa ibhalansi yangempela yelungu ngalinye, esivele ihlanganiswe yaba yiziro. Izindleko zingaba ngemali yoyiphi futhi ziguqulelwa kumali yeqembu ngenani eligcinwe kuleyo ndleko.
Ekugcineni, Hlanganisa izikweletu iphakamisa izinkokhelo ezimbalwa kakhulu, ihlanganise izikweletu ukuze ukhokhele umuntu ongasiye owakukhokhela, futhi Kukhokhiwe irekhoda ngayinye lapho yenziwa. I-app ayidlulisi mali; igcina uhlu olulodwa wonke umuntu angalubheka, futhi yilokho indlela yokulandelela ukuthi ubani okukweleta imali ekuphetha. Uma usakhetha i-app, ama-app ezindleko zohambo aqhathaniswe abeka izinketho.
Imibuzo evame ukubuzwa
Ukubala kanjani ukuthi ubani okweleta bani ngemuva kohambo?
Bhala zonke izindleko ngokuthi ubani okhokhile nokuthi ubani oyabelene nazo. Kumuntu ngamunye, khipha isamba sezabelo zakhe kulokho akukhokhile ukuze uthole ibhalansi yangempela. Bese okweleta kakhulu ukhokhela okweletwa kakhulu, uphinde kuze kube yiziro wonke umuntu.
Wahlukanisa kanjani izindleko phakathi kwabangane abangazange bonke babe khona?
Hlukanisa indleko ngayinye phakathi kwalabo abayabelene nayo kuphela. Umngane ongadlanga isidlo sakusihlwa unesabelo seziro kuso; ibhalansi yakhe yangempela ihlala iyilokho akukhokhile ukususa izabelo azithathile ngempela.
Kungani amabhalansi ehlala ehlangana abe yiziro?
Yonke irandi ekhokhwe ngumuntu liyisabelo somuntu othile, ngakho isamba esikhokhiwe silingana nesamba sezabelo. Uma amabhalansi akho engahlangani abe yiziro, indleko ibhalwe kabi noma isabelo siyashiywa.
Iqembu lidinga izinkokhelo ezingaki ukuze lihlanganise izikweletu?
Okuningi kakhulu yinani labantu abanebhalansi okungeyona iziro ukususa okukodwa. Abangane abahlanu abadingi izinkokhelo ezingaphezu kwezine, futhi kaningi bakudinga ezimbalwa.
Ingabe kumele ngibuyisele imali kulowo osangikhokhelela ngempela?
Cha. Kubalulekile kuphela ibhalansi yakho yangempela, ngakho ungakhokhela umuntu ongazange akukhokhele lutho. Uphetha ngokufana ncamashi kunoma iyiphi indlela.
Kuthiwani uma sikhokhe ngezimali ezehlukene?
Guqula zonke izindleko zibe yimali eyodwa kuqala, ngenani elalisebenza ngesikhathi zikhokhwa, bese uphinda izinyathelo ezintathu ezifanayo.
Isiphetho
Ukubala ukuthi ubani okweleta bani kuyizinyathelo ezintathu: izabelo, amabhalansi angempela, bese okweleta kakhulu ukhokhela okweletwa kakhulu. Hlola ukuthi amabhalansi ahlangana abe yiziro ngaphambi kokuba noma ubani akhokhe, funa okuhambisanayo ncamashi kuqala, futhi iqembu labahlanu lihlanganisa izikweletu ngezinkokhelo ezine noma ngaphansi.
Landa i-Donget mahhala bese uyivumela ihlanganise amabhalansi ngenkathi uhambo lusaqhubeka.
