El Idiphozi yasebhange Kungenye yezinqubo ezingcono kakhulu iklayenti elethula njengenketho yokukhulisa inzuzo yezimali zalo. Kubalulekile ukwazi lapha mayelana nalolu hlobo lwemisebenzi ukuze ukusebenzise ukuze uzuze, okuzochazwa kabanzi kulolu lwazi.
Khulisa inzuzo yezimali zakho
Idiphozi yasebhange
Idiphozi yasebhange iyinqubo eyenziwa ngokuqondile ezimpahleni ikhasimende elinazo, kwenezela inani lemali okuthi ngemva kwesikhathi esimisiwe, ngokuvamile esincane kakhulu, likwazi ukulisebenzisa nge-akhawunti yalo. Le nqubo ihlobene ngokuqondile nebhange, yingakho kwezinye izimo kudingekile ukukhokha ikhomishana encane, kodwa ingaba mahhala.
Kule nqubo imali yeklayenti izogcinwa, okuyilokho okudingekayo, ngaphezu kwalokhu kungabhekwa ukuthi idiphozi yasebhange nayo igqamile njengohlobo lwemali mboleko iklayenti elicela ebhange, khona-ke ibhange lizokwenza. nakekela ukukhokhela iklayenti inani elithile.
indlela yokonga
Ukwenza idiphozi yasebhange kuthathwa njengenye yezindlela ezingcono kakhulu zokonga. Phakathi kwamaphuzu avelele kubhekwa njengesibambiso esinikezwa iklayenti ngokukwazi ukugcina imali yabo igcinwe ku-akhawunti njengoba iqinisekisiwe; umnikazi we-akhawunti angase enze idiphozi ngomkhawulo wenani, kodwa ngale ndlela, ngokuwangeza ngezikhathi ezithile, ukulondoloza kuqala.
Kunezinketho ezihlukahlukene ezethulwa ukwenza idiphozithi, konke kuzoncika kulokho iklayenti elikufunayo. Ngenxa yalesi sizathu, igqamisa ukubaluleka kwale nqubo, ngoba amakhasimende azokwazi ukuthola imbuyiselo eyengeziwe emalini yawo, akugcini nje ukuyigcina ku-akhawunti ngaphandle kokuyisebenzisa ngoba ngokuhamba kwesikhathi inani liyalahleka.
Izincomo ezinikezwa amaklayenti ukuze imali yawo ibe nenzuzo ngakho konke ukuphepha, ukutshalwa kwezimali kweminye imikhiqizo, njengoba inzalo ingatholakala kuyo. Kudingeka isu ukuze lisebenze kahle kwezomnotho, kucatshangelwa ukutshalwa kwezimali okwenziwa ngemali engenayo engaguquki noma eguquguqukayo, kanye nokonga okufanayo okufanayo, okuyilapho ukufakwa kwediphozi kugqama khona.
Phakathi kwezincomo ezishiwo ngenhla, kubalulekile ukucabangela amaphuzu alandelayo:
- Endabeni yemali engenayo engaguquki noma eguquguqukayo, kugqanyiswa ukuthi inzuzo ayikho phezulu kakhulu, okusho ukuthi kunengozi enkulu
- Ngasohlangothini lwediphozithi, isibambiso kanye nenzuzo eyinikezayo kuhle kakhulu
Womabili amaphuzu angenziwa, kodwa kuyadingeka ukwazi ukuthi iyiphi kubo engcono kakhulu, ngoba ukuphepha kuyinto ebaluleke kakhulu maqondana neklayenti ngezimali zakhe, ukwenza idiphozithi kuyinto ekahle.
Indlela yokutshala imali isetshenziswa ngobuningi, njengasemakethe, igqamisa umnyakazo wemali, ngoba lokhu sincoma ukuthi ubone mayelana Ukugeleza kwemali eyindilinga
Izinhlobo
Phakathi kwediphozithi yasebhange, izinhlobo zazo zingagqanyiswa, ezigqamisa umehluko othile ukuze kuzuze ikhasimende kuye ngokuthi likufunani, izinhlobo zamadiphozithi yilezi:
- Lapho ubonwa: Amadiphozithi afunwayo yilawo okuthi uma ewenza akwazi ukusebenzisa leyo mali, okusho ukuthi ikhasimende lingayisebenzisa ngesikhathi elisifunayo kanye nenani elilidingayo, kodwa lokhu kungabhekwa njengokungeyona inzuzo . Kuyiphuzu elibalulekile ukwazi njengoba lolu hlobo lwediphozi luvame ukusetshenziswa ngoba banokufinyelela imali nganoma yisiphi isikhathi.
- Isikhathi: Kulapho inani lemali lilethwa ebhange isikhathi esimisiwe, lapho lenza lolu hlelo bese ibhange likhokha irenti. Ngokungafani nediphozithi yokufunwa, lokhu kuveza ukutholakala kwemali okulinganiselwe, kodwa kuthathwa njengenzuzo enkulu kuye ngokuthi isungulwa nini, inkulu, iba ngcono.
Umnikazi we-akhawunti usebenzisa le nqubo ngokuqondile nebhange, okusho ukuthi izimo zokusebenza, isikhathi, inani, imingcele, inzalo nokunye kufanele kusungulwe. Ngemuva kokusungula izimo ngokusho kwediphozi okufanele yenziwe, kuyadingeka ukuthi zigcwaliseke njengoba kusungulwe kwinkontileka, ngoba esikhathini esizayo inketho yokuyivuselela inikezwa uma ifunwa.
Iphuzu elilodwa abantu abafuna ukufaka idiphozithi okufanele balibhekisise elokuthi imali esetshenziswayo ngeke idingeke ngesikhathi esibekiwe, ngoba ngeke isetshenziswe uma kunediphozithi.
Faka idiphozi ebhange
Kubaluleke kakhulu ukwazi indlela yokwenza idiphozi ebhange, okuzogqanyiswa ngokujwayelekile kula maphuzu alandelayo:
- Yiya ebhange noma ufinyelele ulwazi ku-inthanethi ukuze ugcwalise amafomu adingekayo
- Thola ukuthi yiziphi izimfuneko zokwenza idiphozithi
- Xoxani ngokuthi iyini imibandela ediphozini okufanele yenziwe
- Imali ezofakwa kufanele ihlangabezane nenani elincane elisungulwe inkampane
- Qinisekisa ukuthi inkontileka isungulwa ngendlela efanele nemibandela okuxoxwe ngayo
- Lapho kusungulwa isikhathi, inzalo, inani nokunye, kufanele kugcwaliseke njengoba kuvunyelwene
Lezi yizinyathelo ezivame ukuthathwa ukuze ukwazi ukufaka idiphozithi ebhange, okukhombisa ukubaluleka kokuba nolwazi lwezinhlobo zamadiphozithi okumele zisetshenziswe.
https://www.youtube.com/watch?v=Q95SubTIeTU
Amadiphozithi nawo ethulwa njengezinkokhelo ezikhokhelwayo, ngalokhu sikuncoma ku-cifundwa kanjani i-payslip