Isikhwama sohambo noma ukwahlukanisa ngokuhamba? Ukuphatha imali yeqembu ohambweni
Isikhwama sohambo siyisitsha semali esabelwanayo sezindleko ezincane; ukwahlukanisa ngokuhamba kubhala ngayinye. Amaqembu amaningi asebenzisa kokubili.
Abane benu baya empelasonto, futhi othile engxoxweni yeqembu uphakamisa isikhwama sohambo: wonke umuntu afake u-R2 000 ekuseni kokuqala, umuntu oyedwa awugcine, kuyekwe ukwahlukanisa yonke ikhofi. Omunye ukhetha ukukhokha ngokuhamba bese kuhlelwa ekugcineni. Kokubili kuzwakala kunengqondo, futhi kokubili kungahamba kabi ngezindlela ezibonakala kuphela ngosuku lokugcina.
Isikhwama sohambo — isitsha lapho wonke umuntu enikela futhi umuntu oyedwa echitha — sifanele izindleko ezincane, eziqhubekayo, ezabiwe zohambo. Ukwahlukanisa ngokuhamba kufanele ezinkulu noma ezingalingani. Amaqembu amaningi asebenzisa kokubili: isikhwama sezinto ezincane zansuku zonke, irekhodi lezindleko ezinkulu, nokuhlanganisa izikweletu kanye ekugcineni.
Yini isikhwama sohambo
Isikhwama sohambo isitsha semali esabelwanayo lapho wonke umuntu enikela ekuqaleni kohambo. Umuntu oyedwa uyigcina, ngemali ephathekayo noma ekhadini lakhe, bese ekhokha izindleko ezabiwe kuyo: ukudla okuthengiwe, amathekisi, ibhili lesidlo sasemini esadliwa wonke umuntu. Uma isiphela, wonke umuntu wengeza inani elifanayo. Noma yini esalayo ekugcineni ibuyela kulabo abayilethile.
Umqondo ulula: esikhundleni sokulandelela izikweletu eziningi ezincane, ulandelela iminikelo embalwa. Lokhu kuhlobene nesiko lakithi lemigalelo ne-stokvel, lapho abantu bebutha imali ndawonye ukuze kukhokhelwe okuhlanganyelwe.
Lapho isikhwama sisebenza khona
Izindleko ezincane eziningi ezilinganayo. Umjikelezo wezinsephe, isikhwama sokudla okuthengiwe, ithekisi elabelwanayo. Ukubhala ngayinye ngokwehlukana kuyakhathaza, futhi esikhwameni akekho okudingeka akwenze.
Izindawo ezidinga imali ephathekayo. Izimakethe, izindawo ezincane zokudlela namathiphu athatha imali ephathekayo kuphela. Umuntu oyedwa ekhokha ensileni eyabiwe ushesha kunabane abaphinda bebala izinhlamvu emshinini.
Izikweletu ezimbalwa phakathi kwabantu. Akekho ofaka imali kwabanye ezintweni ezincane, ngakho akekho oqeda usuku ekweletwa u-R90 ngabathathu abahlukene.
Lapho isikhwama siphambuka khona
Ukusetshenziswa ngokungalingani. Isikhwama sikhokhela uhambo lwe-kayak olweqiwe ngomunye, noma iziphuzo zababili abahlale kude ebusuku. Zikhokhelwa esitsheni esivamile, lezo zindleko zibuya zingena kubo bonke buthule.
Othile kufanele asigcine. Umgcini uthwala imali yeqembu, akhokhe yonke into futhi abuzwe “yisalile malini?” ekudleni ngakunye.
Ukwengeza kuyanyakaza. Uma isitsha siphela, othile ukhokha ibhili elilandelayo “kuze kube sengezwa”, futhi lokho kuba yisikweletu isikhwama esasihloselwe ukusigwema.
Inala. Ekugcineni kunemali ephathekayo esikhwameni somgcini, futhi ukuyihlukanisa ngokulinganayo kulungile kuphela uma wonke umuntu esebenzise isikhwama ngokulinganayo.
Akukho kulokhu okubulalayo. Kusho nje ukuthi isikhwama sidinga irekhodi, hhayi isikhwama semali kuphela.
Ukwahlukanisa ngokuhamba
Enye indlela ukungabi nasitsha nhlobo. Ophokhile into uyibhala, kanye nabantu eyayingeyabo, bese iqembu lihlanganisa izikweletu kanye ekugcineni ngokudluliswa okumbalwa kakhulu. Iphatha izindleko ezingalingani ngokwemvelo — uhambo lwe-kayak lwahlukaniswa phakathi kwabathathu abahambile — futhi ukubhuka okukhulu kungena ngaphandle kokuthi othile abuthe imali kusenesikhathi. Indlela enobulungisa yokwahlukanisa uhambo lweqembu ibeka imithetho eyenza lokhu kusebenze.
Ubuthaka bayo buphambene namandla esikhwama: usuku lokuthenga okuncane lusho usuku lokufaka okuncane, futhi othile kufanele akwenze.
Inhlanganisela: isikhwama sezindleko ezincane, irekhodi lezinkulu
Amaqembu amaningi aphethela lapha. Isikhwama sihlanganisa izindleko ezincane zansuku zonke ezabiwe ngokulinganayo yibo bonke. Izindleko ezinkulu — indawo yokuhlala, ukuqasha imoto, isidlo eside sosuku lokugcina — zikhokhwa ngobhukhayo bese zibhalwa nabantu ezazingabo. Ukwahlukanisa i-Airbnb nabangane kanye ne-ukwahlukanisa uphethiloli ohambweni lomgwaqo kuhlanganisa ezimbili zalezo ngemininingwane.
Indlela yokuphatha isitsha semali yohambo lweqembu ngobulungisa
Imikhuba emithathu yenza isikhwama sibe nobulungisa, noma usebenzisa i-app noma cha:
- Bhala yonke iminikelo ngegama lalowo oyikhokhile, kuhlanganise nokwengeza.
- Bhala ukuthi isikhwama sikhokhele ini nokuthi yayingeyabani. “I-kayak, abathathu” ngumugqa ovikela umuntu ohlale olwandle.
- Hlanganisa inala ngokusetshenziswa, hhayi ngokulinganayo. Umnikelo ongasetshenziswanga womuntu ngamunye uyilokho akufakile kukhishwe isabelo sakhe salokho okuchithwe yisikhwama.
Isibonelo esibaliwe: impelasonto enesikhwama sika-R8 000
UNomsa, uBongani, uThandi noThemba bafaka u-R2 000 ngamunye esikhwameni sohambo esigcinwa nguNomsa: u-R8 000. Kuso ukhokha ukudla okuthengiwe (R1 920), amathekisi (R1 280) nesidlo sasemini (R2 400) sabane bonke, nohambo lwe-kayak (R1 800) lwabathathu abahambile — uThemba akahambanga. Isikhwama sichitha u-R7 400, sishiye u-R600.
Isabelo somuntu ngamunye sokuchitha kwesikhwama singu-R480 + R320 + R600 = R1 400 ezintweni ezabiwe, kanye no-R600 we-kayak kuNomsa, uBongani noThandi. Ngakho uNomsa, uBongani noThandi bonke basebenzise kanye u-R2 000 wesikhwama; uThemba usebenzise u-R1 400. U-R600 osele wonke ungokaThemba, hhayi u-R150 ngamunye.
Izindleko ezimbili ezinkulu ziphambi kwesikhwama: uBongani ukhokhe u-R9 600 wendawo yokuhlala noThandi u-R4 000 wesidlo sokugcina, zombili zabane — u-R2 400 no-R1 000 ngamunye.
| UNomsa | UBongani | UThandi | UThemba | |
|---|---|---|---|---|
| Efakwe esikhwameni | R2 000 | R2 000 | R2 000 | R2 000 |
| Isabelo sokuchitha kwesikhwama | R2 000 | R2 000 | R2 000 | R1 400 |
| Izindleko ezinkulu ezikhokhiwe | — | R9 600 | R4 000 | — |
| Isabelo sezindleko ezinkulu | R3 400 | R3 400 | R3 400 | R3 400 |
| Ephethe imali yesikhwama | R600 | — | — | — |
| Ibhalansi | −R4 000 | +R6 200 | +R600 | −R2 800 |
Ibhalansi ngayinye yilokho umuntu akufakile noma akukhokhile, kukhishwe izabelo zakhe, kukhishwe nanoma iyiphi imali yesikhwama asayiphethe. U-−R4 000 kaNomsa ungu-R3 400 wesabelo sakhe sezindleko ezinkulu kanye no-R600 wemali kaThemba asewuphethe esikhwameni sakhe. Amabhalansi ahlangana abe yiziro: −4 000 + 6 200 + 600 − 2 800 = 0.
Kuhlanganiswe ngokudluliswa okumbalwa kakhulu, kungathathu: uNomsa ukhokhela uBongani u-R4 000, uThemba ukhokhela uBongani u-R2 200 futhi uThemba ukhokhela uThandi u-R600. Inala ayidingi ukudluliswa kwayo; u-R4 000 kaNomsa uyayifaka, futhi isikweletu sikaThemba siphansi ngo-R600 ngenxa yayo. Ngamabhalansi amane futhi kungekho qembu elincane elizicima lona, kathathu kuyisilinganiso esincane kakhulu — indlela ukwenziwa lula kwezikweletu kusebenza ngayo kuchaza ukuthi kungani.
Lapho i-Donget ingena khona
I-Donget ayigcini noma ayidluliseli mali; isikhwama sihlala esikhwameni sikaNomsa noma ekhadini lakhe. Okuyigcinayo yirekhodi. Umnikelo ngamunye ungena nge-Rekhoda ukudlulisa imali: uBongani njenge-Okhokhayo, uNomsa njenge-Kutholwe ngu, u-R2 000 njenge-Inani — futhi kufana kuThandi noThemba. U-R2 000 kaNomsa uqobo akudingi ukufakwa, njengoba ungasuki kuye. Ukuthenga ngakunye kwesikhwama kungena nge-Engeza indleko, Kukhokhwe ngu uNomsa, kwahlukaniswe nge-Okulinganayo phakathi kwabantu ebeyingeyabo, uThemba ashiywe ngaphandle kwe-kayak. Indawo yokuhlala kaBongani nesidlo sikaThandi kungena ngendlela efanayo namagama abo njengabakhokhile.
I-Hlanganisa izikweletu bese iphakamisa ukudluliswa kuthathu, njengaleyo engenhla, futhi i-Kukhokhiwe iyarekhoda ngalinye lapho lenzeka. Izindleko zingafakwa ungaxhunyiwe ku-inthanethi zivumelanise uma usubuyele ku-inthanethi, okubalulekile ohambweni — ama-app okwahlukanisa izindleko ungaxhunyiwe ku-inthanethi kuchaza ukuthi lokho kusho ukuthini empeleni. Akukho ukuthekelisa futhi akukho isikhumbuzo esizenzakalelayo; ibhalansi yeqembu yirekhodi, futhi noma ubani eqenjini angayivula. Uma usakhetha ithuluzi, bheka ama-app okwahlukanisa izindleko zohambo.
Imibuzo evame ukubuzwa
Yini isikhwama sohambo?
Isitsha semali esabelwanayo lapho wonke umuntu oseluhambweni efaka imali. Umuntu oyedwa uyigcina bese ekhokha izindleko ezabiwe kuyo, futhi noma yini esalayo ibuyela kulabo abayilethile.
Kufanele wonke umuntu afake malini esikhwameni sohambo?
Linganisela izindleko ezincane ezabiwe ngosuku, uphindaphinde ngezinsuku, uhlukanise ngabantu. Qala phansi kancane bese wengeza; ukwengeza kanye kunzima kancane kunokubuyisela inala enkulu.
Ubani okufanele agcine isikhwama sohambo?
Umuntu ohleliwe oyoba khona emizuzwini eminingi eyabiwe, kungcono ukuthi kungabi ngobhukhe indawo yokuhlala. Ukuphendulelana indima ngosuku nakho kuyasebenza.
Kwenzekani ngemali esala esikhwameni ekupheleni kohambo?
Ibuyela kulowo owasebenzisa kancane, hhayi ngokulinganayo kubo bonke. Isabelo somuntu ngamunye salokho esikhwama esikuchithile sikhombisa ngqo ukuthi liyabani.
Ubuthela kanjani imali yohambo lweqembu ngaphambi kokuhamba?
Ezibhukhweni, okhokhile uyabhala futhi wonke umuntu umkweleta isabelo sakhe. Esikhwameni semali, wonke umuntu unikeza umnikelo wakhe ngosuku lokuqala, ubhalwe ngegama lakhe.
Ingabe isikhwama sohambo esabelwanayo singcono kunokwahlukanisa ngokuhamba?
Akukho okungcono yonke indawo. Isikhwama sifanele izindleko ezincane eziningi ezilinganayo; ukwahlukanisa ngokuhamba kufanele ezinkulu noma ezingalingani. Amaqembu amaningi asebenzisa kokubili.
Ingabe i-app yokwahlukanisa ingagcina imali yesikhwama?
I-Donget ayikwenzi. Irekhoda iminikelo, isikhwama sikhokhele ini nokuthi indleko ngayinye yayingeyabani, futhi ibale ukuthi ubani okweleta bani; imali ihlala nomgcini.
Isiphetho
Isikhwama sohambo sikulondolozela ukubhala yonke ikhofi, kanti ukwahlukanisa ngokuhamba kugcina izindleko ezingalingani zinobulungisa. Sebenzisa isikhwama ezindlekweni ezincane ezabiwe, bhala ezinkulu, bhala ukuthi ubani ofakile ini nokuthi indleko ngayinye yayingeyabani, futhi inala izozilungisa ekuhlanganisweni kokugcina.
Landa i-Donget mahhala bese ugcina isikhwama, ukubhukha okukhulu nokuhlanganisa kokugcina eqenjini elilodwa uhambo lwenu lonke olungalibona.
