Indlela yokwehlukanisa izindleko zeqembu lomsebenzi (enye indlela ye-Splitwise yamahhala)

ULwesihlanu, 12:40. Ufake isidlo sasemini seqembu ekhadini lakho, ngoba ikhadi lenkampani belisedrowini ezitezi ezimbili ngaphezulu futhi ulayini ubuhamba. Ozakwenu abayisithupha. R1 860. Uzikhumbuzile ukuthi uzokulungisa kamuva.

Manje sekunguLwesithathu. Awulungisanga lutho. Okwenzile ukubhala imilayezo emine ehlukene bese uyayisusa yonke, ngoba ayikho eyenza ubukeke njengomuntu ongakhathazeki nge-R310.

Yinkinga yangempela leyo yezindleko zeqembu. Bekungeyona neze eyezibalo.

Kungani ama-app akhelwe abangane eba yinqaba emsebenzini

I-Splitwise, namanye ama-app amaningi afana nayo, aklanyelwe isivumelwano senhlalo esithile: iqembu labangane abethembanayo, abazophinde babonane, nabamukela ukuthi isikweletu esiqhubekayo siyingxenye evamile yobungane.

Cishe akukho kulokho okusinda ukuhlangana nehhovisi.

Akekho ofuna ukuba umqoqi wezikweletu. Nabangane, isikhumbuzo kuyintela. Nozakwenu ohlala ebhekene nawe futhi ophezu kwakho ngamazinga amabili, isikhumbuzo siyisinqumo esincane somsebenzi. Abantu abaningi bavele bazidle izindleko, futhi yileyo ndlela umuntu oyedwa agcina ngayo esiza iqembu buthule unyaka wonke.

Umkhokhi uyashintsha, ukungakhululeki cha. Eqenjini labangane, lowo okuyithuba lakhe uyakhokha futhi kuyalingana emashumini eminyaka. Amaqembu omsebenzi awanawo amashumi eminyaka. Anekota, ukuhlelwa kabusha, nomcimbi wokuvalelisa.

Abantu bayahamba. Umngane okukweleta u-R240 ukukweleta u-R240 kuze kube phakade. Uzakwenu okukweleta u-R240 uyesula, futhi manje kunebhalansi engakhokhiwe exhunywe kumuntu okuvaliwe i-akhawunti yakhe yomsebenzi. Ama-app okwehlukanisa abantu abavamile awanalutho olunengqondo angalusho ngalokhu.

Amaslip anomsebenzi wesibili. Phakathi kwabangane, islip ubufakazi ekungezwaneni okungalindelwe muntu. Emsebenzini, islip kungadingeka lisinde isikhathi eside ngokwanele ukuze linamathiselwe esicelweni. I-app ephatha isithombe njengelahlekayo ilungile epikinikini futhi ayisizi ngalutho kunoma yini ebuyiselwayo.

Wonke umuntu ukwenye indawo. Ngomzuzu iqembu lakho lisakazeke emazweni, isidlo esisodwa singabandakanya izimali ezimbili nekhadi elengeze inani lalo lokushintshanisa buthule.

Okokuqala, thola ukuthi iyiphi inkinga onayo ngempela

Iningi lokudideka kwe-”zindleko zeqembu” livela ezinkingeni ezine ezihlukene ezigqoke igama elilodwa. Zidinga amathuluzi ahlukene, futhi ukukhetha okungalungile yikhona okwenza abantu bageje wonke ama-app abawazamayo.

1. Imali yenkampani oyikhiphile. Ukhokhele isidlo seklayenti futhi inkampani izokubuyisela. Lena akuyona nhlobo inkinga yokwehlukanisa — kuyinkinga yokubuyiselwa. Udinga islip nesicelo sezindleko, futhi kufanele usebenzise noma yini ethimba lakho lezezimali elayimisa, noma ingabukeki. Ukufaka lokhu ku-app yokwehlukanisa kulahla islip futhi kwakhe ibhalansi engasoze yakhokhwa, ngoba inkampani ayikho eqenjini.

2. Izindleko ezihlanganyelwe inkampani engeke izikhokhele. Isidlo seqembu. Isipho sokuvalelisa. Isikhwama sekhofi. Umjikelezo kaLwesihlanu. Akekho ozokubuyisa lokhu, ngakho kufanele kwehlukaniswe phakathi kwabantu bangempela. Lena yinkinga yokwehlukanisa egqoke ikhadi lomsebenzi, futhi yiyona edala ukucasuka okuningi buthule.

3. Izindleko phakathi kwabantu abangekho enkampanini eyodwa. Abasebenzi abazimele ababili abahlanganyela isitudiyo. Abasunguli abehlukanisa isikweletu ngaphambi kokuba kube khona i-akhawunti yasebhange yenkampani. I-ejensi ehlanganyela istolo engqungqutheleni nomlingani. Amathuluzi angempela ezindleko zebhizinisi acabanga ukuthi kukhona umqashi; akakabikho.

4. Ikhadi lomuntu oyedwa, isikweletu sawo wonke umuntu. Ithuluzi lokuklama, idrayivu ehlanganyelwe, insizakalo yokubhala — konke ekhadini lomunye umsunguli kusukela ngo-2023, ngokuqonda okungacacile ukuthi kuzolungiswa ngesikhathi esithile.

Izigaba 2, 3 no-4 yizona abantu abafuna “enye indlela ye-Splitwise yebhizinisi” ukuze bazixazulule. Isigaba 1 akuyona inkinga yokwehlukanisa, futhi ayikho i-app yokwehlukanisa ezokwenza kahle — kufaka phakathi eyethu.

Okudingwa yi-app yokwehlukanisa enesimo seqembu

Uma ukhetha okuthile kwezigaba 2–4, nalu uhlu olufushane lwalokho okubalulekile nsuku zonke:

• Awukho umkhawulo wokuthi ungafaka izindleko ezingaki. Iqembu libhala ngaphezu kweqembu labangane, futhi libhala ngezigqi — ingqungquthela ikhiqiza okufakwayo okuyishumi nanhlanu ezinsukwini ezintathu. I-app elinganisa izindleko zakho izokwehluleka kanye ngesikhathi umatasa kunazo zonke. (Okwengeziwe ngalokho okulahlekelayo ngempela ohlelweni lwamahhala.)
• Ukwehlukanisa okungekona “ngokulinganayo” kuphela. Isidlo seqembu lapho ababili bethathe imenyu emisiwe kanti oyedwa ethathe isiqalo kuphela akukona ukwehlukanisa ngokulinganayo. Akunjalo nesipho sokuvalelisa lapho ohambayo engakhokhi lutho. Ufuna zonke izindlela ezinhlanu zokwehlukanisa — ngokulinganayo, ngamanani anembile, ngephesenti, ngezabelo, nento ngayinye.
• Ukuthwebula islip okungeyona into ekhokhelwayo. Sithwebule, uvumele i-app ikhiphe isamba. Uma ukuskena amaslip kungemuva kokubhaliselwa, abantu ngeke bakusebenzise, bese kungabikho okhumbula ukuthi i-R1 860 bekuyini.
• Izimali eziningi eqenjini elilodwa. Akuxoxwa ngayo eqenjini elisakazekile.
• Ukukhokhelana okunciphisa izinkokhelo. Abantu abayisithupha okuthi umuntu ngamunye akweleta abanye ababili kungukudlulisa okuyishumi nanhlanu okungenzeka. Isofthiwe enhle ikwenza lokho kube okune.
• Mahhala kuwo wonke umuntu eqenjini. Yilokhu abantu abakugejayo. Uma i-app yakho ikhokhisa umuntu ngamunye, manje ucela ozakwenu abayisithupha ukuthi ngamunye enze isinqumo sokuthenga ngaphambi kokuba ukhokhelwe isidlo. Ngeke ukhokhelwe isidlo.

Isibonelo esibaliwe, ngoba inguqulo engacacile ayisizi

Abantu abayisithupha. Isidlo R1 860. UThandi akaliphuzi ikhofi, ngakho weqa umjikelezo wekhofi elikhethekile we-R360. UBongani uyahamba, futhi iqembu livumile ukuthi isidlo sakhe silo.

Ukwehlukanisa ngokulinganayo — R310 ngamunye — kungalungile ngezindlela ezimbili, futhi wonke umuntu etafuleni uyezwa ukuthi akulungile, okuyikho kanye okwenza kungabikho okhulumayo.

Nansi inguqulo enobulungiswa ngempela:

1. Bhala i-R1 500 yokudla njengendleko eyodwa, yehlukaniswe ngezabelo: abantu abahlanu ngesabelo esisodwa ngamunye, uBongani ngo-zero. Lokho kuyi-R300 ngamunye kwabahlanu.
2. Bhala i-R360 yekhofi njengendleko yesibili, yehlukaniswe ngokulinganayo phakathi kwabane abaliphuzile. Lokho kuyi-R90 ngamunye.

UThandi ukhokha u-R300. Abathathu abaphuzile bakhokha u-R390. UBongani akakhokhi lutho. Kuthathe cishe imizuzwana engamashumi amane futhi akekho obekufanele asho umusho othi “phela mina angiliphuzanga ikhofi.”

Lowo musho wesibili uwuhlobo lomkhiqizo lonke, ngeqiniso. Lawa ma-app akhona ukuze kungabikho odinga ukuwusho ngomlomo.

Uzakwenu ohambayo ekukweleta

Isimo esisodwa esingaxazululeki ngempela. Nazi izindlela ezisebenzayo zokunciphisa umonakalo:

• Khokhelanani emingceleni yemvelo. Ekupheleni kwenyanga, ekupheleni kohambo, ekupheleni kwephrojekthi. Amabhalansi aphila ngaphezu kwekota awakhokhwa; ayakhohlakala bese ecasula.
• Yenza ukushintshana komkhokhi kubonakale. Uma i-app ikhombisa ibhalansi eqhubekayo, ukuthi “nguwe okhokhile ngesikhathi esedlule” akube kusekona okumele umuntu akubange kodwa kube yiqiniso esikrinini.
• Yiba nomthetho womcimbi wokuvalelisa. Owukala: ohambayo akakhokhi. Vumelanani ngawo kanye, bese ningaphinde nixoxisane ngawo umuntu emi lapho.
• Ungavumeli umuntu oyedwa axhase iqembu. Uma igama elifanayo lilokhu lingumkhokhi, ibhalansi ayisiyona ibhalansi — kuyimalimboleko engenanzalo angazange ayinikeze.

Lapho iDonget ifanele khona

IDonget iyi-app yamahhala yokwehlukanisa izindleko, futhi izigaba 2, 3 no-4 yizona kanye ezenzelwe zona. Ngeke ifayile isicelo sakho sezindleko zenkampani, futhi sikhetha ukukusho lokho kunokukuthengisela okungasebenzi.

Ezindlekweni zeqembu ezihlanganyelwe, ikunika:

• Izindleko ezingenamkhawulo, ngaphandle komkhawulo wansuku zonke nangaphandle kwezikhangiso ezima phakathi kwakho namabhalansi.
• Izindlela ezinhlanu zokwehlukanisa, ukuze ikhofi nesipho sokuvalelisa kokubili kuphathwe kahle.
• Ukuskena amaslip nge-AI mahhala — thwebula etafuleni, ngaphambi kokuba islip lingene ephaketheni futhi lidlule ekuwasheni.
• Izimali eziningi eqenjini elilodwa, kumaqembu angekho ndawonye.
• Ukukhokhelana okubala izinkokhelo ezimbalwa zokwenza wonke umuntu alingane.
• Mahhala kulo lonke ilungu, ukuze kungabikho okumele athenge okuthile ukuze akukhokhele.

Kunemininingwane eyengeziwe ekhasini lokusetshenziswa ehhovisi, futhi uma usemaphakathi nokuqhathanisa, kunokuhlaziywa okuqondile kwe-Donget ne-Splitwise.

Ukukumisa ngoMsombuluko

1. Yakha iQembu elilodwa ngayunithi ngayinye yangempela — “Iqembu lokuklama”, hhayi “Isidlo”. Amaqembu ahambisana nento esivele ikhona ayasetshenziswa; amaqembu ahambisana nomcimbi ayalahlwa.
2. Faka wonke umuntu, kufaka phakathi lowo “ongawenzi kahle ama-app”. Umuntu oyedwa oyenqabayo uphendula konke kube yispredishithi futhi.
3. Vumelanani ngemithetho emibili obala, kanye: lowo okhokhayo uyibhala ngokushesha, futhi sikhokhelana ekupheleni kwenyanga. Yileyo yonke inqubo.
4. Khokhelanani ngoLwesihlanu wokugcina. Ukudlulisa okune, akukho milayezo eqala ngokuthi “ngiyaxolisa ngokukhathaza, kodwa…”.

Inhloso akusiwo amabhuku ahlanzekile. Inhloso ukuthi i-R310 iyeke ukuba yinto ocabanga ngayo ngoLwesithathu.

Imibuzo evame ukubuzwa

Yiliphi i-app engcono kunazo zonke lokwehlukanisa izindleko zeqembu?

I-app engcono ivumela wonke umuntu ukuba afake izindleko ezingenamkhawulo mahhala, yehlukanisa ngaphezu kokulinganayo kuphela, ithwebula amaslip ngaphandle kodonga lwenkokhelo, iphatha izimali eziningi, futhi ibale izinkokhelo ezimbalwa zokukhokhelana. IDonget yenza konke lokhu mahhala kulo lonke ilungu leqembu.

Ungayisebenzisa i-Splitwise ebhizinisini noma emaqenjini omsebenzi?

Ungasebenzisa ama-app afana ne-Splitwise ezindlekweni zeqembu ezihlanganyelwe inkampani engeke izibuyisele — isidlo seqembu, isipho sokuvalelisa, isikhwama sekhofi. Awakhelwanga izindleko zenkampani ezibuyiselwayo, ezingezenqubo yezicelo yethimba lakho lezezimali.

Ingabe i-Splitwise imahhala emaqenjini?

I-Splitwise inezinga lamahhala, kodwa ikhawulela ukuthi ungafaka izindleko ezingaki ngosuku futhi ibeka ukuskena amaslip ngemuva kwe-Pro — kuyaphoxa eqenjini elibhala ngezigqi. Enye indlela yamahhala engenamkhawulo wansuku zonke igwema lolo donga.

Wehlukanisa kanjani izindleko zeqembu ngobulungiswa emsebenzini?

Yehlukanisa ngalokho abantu abakudlile ngempela, hhayi inani elilodwa ngekhanda: sebenzisa izabelo noma amanani anembile ukuze lowo ongaliphuzanga ikhofi noma lowo omenyiwe akhokhe inani elifanele. Khokhelanani emingceleni yemvelo — ekupheleni kwenyanga, ekupheleni kohambo — ukuze amabhalansi angadluli umusa.

Muphi umehluko phakathi kokwehlukanisa izindleko zeqembu nesicelo sokubuyiselwa?

Isicelo sokubuyiselwa yimali inkampani ekukweleta yona — lokho kudinga islip nenqubo yokubuyisela yomqashi wakho. Ukwehlukanisa kungokwezindleko ezihlanganyelwe phakathi kwabantu bangempela inkampani engeke izikhokhele. I-app yokwehlukanisa iphatha okwesibili, hhayi okokuqala.

Landa iDonget mahhala ususe izindleko ezihlanganyelwe zeqembu lakho ekhadini lakho.