Indlela yokwahlukanisa ukubhalisa okwabiwe ngaphandle kokuthi kukhohlwe muntu
Ukubhalisa okwabiwe kuyahluleka ngoba yonke inkokhelo incane kakhulu ukuthi ijahwe, futhi ibuya njalo ngenyanga. Izindlela ezintathu zokuphatha izindleko eziphindaphindayo ezabiwe, nayo leyo egcina ngokudluliswa kwemali kabili ngonyaka.
Iphakheji lomculo likwikhadi lakho, elokusakaza likwelakhe, isitoreji sefu sivuselelwa ku-akhawunti yothile okungekho oyikhumbula kahle. Ngayinye incane. Ngayinye ivuselelwa ngesikhathi sayo. Futhi njalo ezinyangeni ezimbalwa othile athi “kufanele sizilungise lezi zinto zokubhalisa”, okuvunywa yiwo wonke umuntu kodwa okungenziwa muntu.
Izindleko eziphindaphindayo ezabiwe zihluleka ngendlela ehlukile kunebhili yesidlo. Isidlo umzuzu owodwa oyinkinga bese kuphela. Ukubhalisa kuyinani elincane kakhulu ukuthi lijahwe, elifika izikhathi eziyishumi nambili ngonyaka, ngosuku okungekho oluhumbulayo. Ubuncane bakho yikho okwenza kungalungiseki; ukuphindaphinda kwakho yikho okwenza kufanele kulungiswe.
Kungani kuyizinto ezincane ezibolayo
Akekho okhohlwa amarandi angu-R6 000 awakhokhela kuqala ibhanoyi. Wonke umuntu ukhohlwa u-R90.
Ngaphansi komkhawulo othile — ohluke kuwo wonke amaqembu, futhi ophansi kunalokho abantu abakuvumayo — inani alifanele umyalezo. Ngakho awuthunyelwa. Ngenyanga elandelayo kukhona elinye, futhi manje ukungakhululeki kokukuphakamisa kuyisamba kwakho kokubili, okusengekho okwanele umyalezo. Phinda lokhu unyaka wonke bese kuba khona umuntu oyedwa osele ngo-R2 000 ezinkokhelweni ayengakaze azihluphe ngokuzikhokha.
Isixazululo akukhona ukuba umuntu ojaha u-R90. Yikumisa lawo manani ekubeni yizehlakalo ezizimele nhlobo.
Izindlela ezintathu zokukuphatha
Shintshanani ngokhokhayo. Wonke umuntu uthatha inyanga, noma athathe ukubhalisa okukodwa. Akudingi kulandelela nhlobo, okuyikho okuyikhangayo, futhi kulungile uma amaphakheji ebiza cishe okufanayo neqembu lizinzile. Kuphuka ngomzuzu othile ahamba ngawo, ngoba u-”kwakuyithuba likabani” awunampendulo umuntu angayifakazela.
Yahlukanisa inkokhelo ngayinye bese nihlanganisa masinyane. Kulungile, futhi akubekezeleleki. Ukudluliswa kwemali okuncane, izikhathi eziningana ngenyanga, phakade.
Bhala inkokhelo ngayinye bese nihlanganisa ngezikhathi ezithile. Yiyona esebenzayo. Inkokhelo ingena emlandweni lapho yenzeka, akekho othumela lutho, futhi njalo ezinyangeni ezimbalwa ukuhlanganisa okukodwa kususa konke ngasikhathi sinye. Inani elilodwa liyeka ukubaluleka, ngoba alikaze liphathwe lodwa.
Isibonelo esibaliwe
Abantu abathathu abahlala ndawonye, ukubhalisa okuthathu, ngakunye kwikhadi elehlukile:
| Ukubhalisa | Ngenyanga | Okhokhile | Ukwahlukanisa |
|---|---|---|---|
| Iphakheji lomculo lomndeni | R360 | UThandi | ngokulinganayo, kathathu |
| Ukusakaza | R260 | USipho | ngokulinganayo, kathathu |
| Isitoreji sefu | R60 | UNomsa | ngokulinganayo, kathathu |
Lokho ngu-R680 ngenyanga, ngakho isabelo ngasinye singu-R226,67 — noma, ngokuqondile, R226,67 kwababili kubo no-R226,66 kowesithathu, ngoba akwahlukaniseki ngokulinganayo. Njalo ngenyanga uThandi uphambili ngo-R133,33, uSipho uphambili ngo-R33,33, kuthi uNomsa asale ngo-R166,66, ngoba ukubhalisa kwakhe yikho okushibhe kunakho konke.
Akekho othumela lutho. Emva konyaka:
| Umuntu | Okukhokhile ezinyangeni ezingu-12 | Isabelo sakhe | Ibhalansi |
|---|---|---|---|
| UThandi | R4 320,00 | R2 720,04 | +R1 599,96 |
| USipho | R3 120,00 | R2 720,04 | +R399,96 |
| UNomsa | R720,00 | R2 719,92 | −R1 999,92 |
UNomsa uthumela u-R1 599,96 kuThandi no-R399,96 kuSipho. Ukudluliswa kabili, kanye, esikhundleni sezinkokhelo ezingamashumi amathathu nesithupha ezazizwakala zizincane kakhulu ukuthi zishiwo.
Qaphela ukuthi izibalo azizange zidinge ukuthi kube khona ohleliwe ngaleso sikhathi. Zadinga ukuthi inkokhelo ihlale endaweni egcina isamba.
Imithetho efanele ukuvunyelwana ngayo kusengaphambili
Izinqumo ezine zivimbela cishe zonke izingxabano zokubhalisa, futhi zithatha ingxoxo eyodwa.
- Ubani okwiphakheji — ngakho ubani osekwahlukanisweni. Hhayi ubani ongabuka, kodwa ubani obalwayo.
- Kwenzekani uma othile ehamba. Umthetho ocacile yilo: ukhokhela izinyanga abekuzo, futhi ukwahlukanisa inyanga engaphelele akufanele ubusuku bamuntu.
- Ubani okhansela nini. Lowo okuyikhadi lakhe unomsebenzi abanye abangenawo: nguye yedwa ongamisa inkokhelo.
- Nihlanganisa nini — usuku, hhayi umuzwa. “Njalo ezinyangeni ezintathu” ngumthetho; “uma sekuqongelelene” akuwona.
Kufanele kuhlolwe ngokwehlukene: imibandela yephakheji uqobo ngokuthi ubani ovunyelwe kulo. Amaphakheji omuzi nawomndeni ngokuvamile anemibandela, futhi lokho kuphakathi kwakho nomhlinzeki, akusiyo into ukwahlukanisa okungayilungisa.
Lapho iDonget ingena khona
Ukubhalisa kuyindleko evamile ephinda nje, ngakho kuya endaweni efanayo nakho konke okunye. Thepha ku-Engeza indleko, ukwahlukanise Okulinganayo — noma Iphesenti uma umuntu oyedwa ekusebenzisa kakhulu — bese ithebhu Amabhalansi ithwala isamba iye phambili. Awukho umkhawulo wansuku zonke wokuthi ungabhala izindleko ezingaki, ngakho ukubambisa umuva ngeSonto elithule akudli lutho.
Ingxenye ebalulekile ezindlekweni eziphindaphindayo ukuhlanganisa. Ngenxa yokuthi iDonget isebenza ngamabhalansi asele kunezikweletu ezizimele, izinyanga eziyishumi nambili zokubhalisa okuthathu okugqagqene ziwohlokela kulokho kudluliswa kabili okungenhla esikhundleni sohlu lwamashumi amathathu nesithupha. Thepha ku-Hlanganisa izikweletu, wenze izinkokhelo ngendlela oseniyisebenzisa, bese Bhala ukudluliswa kubuyisela iqembu kuziro.
Uma ukubhalisa kuhlala kanye nerenti nezikweletu, kugcine eqenjini elifanayo — ukwahlukanisa izikweletu zomuzi nabantu ohlala nabo kusebenza ngomgomo ofanayo, futhi ibhalansi eyodwa yomuzi ingcono kunezintathu.
Imibuzo evame ukubuzwa
Kwahlukaniswa kanjani ukubhalisa phakathi kwabangane?
Hlukanisa inkokhelo yenyanga ngenani labantu abakuyo bese uyibhala njalo ngenyanga ngaphansi kwalowo okukhokhwa ekhadini lakhe. Inani lincane; inhloso yokulibhala ukuthi ayimancane amashumi ayishumi nambili awo.
Kufanele siyishintshanise yini indima yokukhokhela ukubhalisa okwabiwe?
Ukushintshana kusebenza uma amaphakheji ebiza cishe okufanayo futhi wonke umuntu ehlala. Kuwohloka ngomzuzu othile ashiya ngawo phakathi kwendlela yokushintshana, ngoba awukho umlando wokuthi ubani osethathe elakhe ithuba.
Kwenziwa kanjani ngokubhalisa okungahlukaniseki ngokulinganayo?
Vumela isenti elisele lehlele kumuntu oyedwa bese uyakushiya. Ukwahlukanisa u-R680 phakathi kwabantu abathathu kungu-R226,67, R226,67 no-R226,66 — ukujaha isenti kudla ukunaka okungaphezu kwenani lalo.
Kwenzekani uma othile eshiya iphakheji elabiwe phakathi kwenyanga?
Mkhokhise izinyanga abekuyo bese uyayeka. Ukwahlukanisa inyanga eyodwa yokubhalisa okuncane ngezinsuku kuyizibalo ezingeke zihlolwe muntu kodwa wonke umuntu azizonde.
Kuyafaneleka yini ukubhala ukubhalisa okubiza amarandi ambalwa nje?
Inkokhelo eyodwa ayifanele ukujahwa, futhi yingakho nje ingakhokhwa. Uma ibhalwe kanye ngenyanga iba yingxenye yebhalansi efanele ukuhlanganiswa.
Kufanele sizihlanganise kangaki izindleko eziphindaphindayo?
Njalo ezinyangeni ezintathu noma kabili ngonyaka emzini ozinzile. Ngokwanele ukuthi kungabi bikho othwala ibhalansi enkulu, futhi ngokungavamile ukuthi ukuhlanganisa kungabi umsebenzi ngokwakho.
Isiphetho
Ungazami ukwenza izinkokhelo ezincane eziphindaphindayo zifanele ukujahwa. Yenza ziyeke ukuba yizehlakalo ezizimele: bhala ngayinye lapho yenzeka khona, uvumele ibhalansi iqongelele, bese uhlanganisa ngesikhathi enivumelene ngaso kanye. Ukulandelela ukuthi ubani okukweleta ini kungumkhuba ofanayo osetshenziswa kukho konke okunye.
Landa iDonget mahhala uphendule unyaka wokubhalisa ube ukudluliswa kabili.
