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Izici zesofthiwe yokuphatha imali-mboleko

Lokho isofthiwe yokuphatha imali-mboleko ekwenzayo — umsebenzi owodwa ngesikhathi

Ufike nenkinga, hhayi umkhiqizo. Sitshele lapho ukweboleka kuphukela khona — ukujaha izikweletu, ukuqhuba amaqembu, ukuvala izincwadi — sizokukhomba ingxenye ye-Lendbox ekuxazululayo.

Imisebenzi eyisithupha eyinhlokoIrekhodi elilodwa lemali-mboleko elabelweneAkudingeki ikhadi

Irekhodi elilodwa, wonke umsebenzi

Inkokhelo ifakwa kuleja, ibuyekeze ibhalansi yomboleki, futhi isuse uhlu lwezikweletu ngesinyathelo esisodwa — yonke ingxenye iqhuba kurekhodi elilodwa lemali-mboleko.

IlejaIbhalansiIzikweletu

Imisebenzi eyisithupha, inkundla eyodwa

Ukuqoqa, ukweboleka ngamaqembu, ukuqalisa, iphothifoliyo, ukubala nezibambiso — ngamunye unekhasi lawo ngezansi.

Qala ngayinye

Vula ingxenye ekudla kakhulu. Vula okunye lapho usulungele — ngaphandle kokufaka kabusha incwadi yakho.

Incwadi yemali-mboleko ayiwona umsebenzi owodwa. Iyidazini.

Ukuqhuba incwadi yemali-mboleko kuzwakala kuyinto eyodwa uze ungene kuyo. Khona-ke kuhlukana kube inqwaba yemisebenzi ehlukene — ukugunyaza isicelo, ukukhipha imali, ukujaha okuphuzile, ukwenza ileja ilingane, ukwazi okukweletwayo ngempela. Ngamunye unomgqigqo wawo, nendlela yawo yokuphukela.

Futhi cishe njalo kuphukela endaweni efanayo: ngomzuzu umsebenzi owenziwa ngesandla. Inkokhelo eyeqayo futhi akekho oyibonayo. Imali-mboleko yeqembu eyabiwe phakathi kwamalungu encwadini engasalingani. Ukuphela kwenyanga lapho incwadi neleja kwenqaba ukuhlangana. Akukho kwakho okushaqisayo. Kukudla nje amahora kabuthule, kwesinye isikhathi imali-mboleko.

I-Lendbox yakhelwe kuzungeze leyo misebenzi, hhayi kuzungeze uhlu lwezici. Yonke ingxenye ngezansi ithatha eyodwa yayo ezandleni zakho futhi iyiqhuba kurekhodi elilodwa lemali-mboleko — ukuze inkokhelo ifakwe kuleja, ibuyekeze ibhalansi, futhi isuse uhlu lwezikweletu ngesinyathelo esisodwa.

Thola umsebenzi okudla kakhulu. Yilapho okufanele uqale khona.

Khetha umsebenzi ozwakala njengeviki lakho

Ngamunye uyikhasi lawo — uveza umzuzu ophukela ngawo ngesandla, nokuthi ukuwuqhuba kwi-Lendbox kwenzani esikhundleni salokho.

Isikhathi sakho siyaphi?

Noma yimuphi umsebenzi odla iviki lakho yiwo okufanele uwulungise kuqala

Akudingeki ukuthuthe wonke umsebenzi wakho kanyekanye. Khetha ingxenye ekudla amahora amaningi kakhulu — noma imali eningi kakhulu — yivule, futhi uzwe umehluko ngaphambi kokuthinta okunye.

Imibuzo ngaphambi kokukhetha indawo yokuqala

Yini i-Lendbox engayenza ngokuzenzakalelayo?
Izingxenye ezijwayelekile eziphindaphindekayo zokuqhuba incwadi yemali-mboleko: ukulandelela izikweletu nezikhumbuzo zokukhokha, amashejuli okukhokha nokwanda kwenzalo, ukufaka okuphindwe kabili kuleja, nokubika kwephothifoliyo. Ubeka imithetho kanye — isikhathi sezikhumbuzo, indlela yenzalo, izinyathelo zokugunyaza — futhi i-Lendbox iyiqhuba kuyo yonke imali-mboleko ukuze ungenzi ukujaha, ukubala noma ukuvumelanisa okufanayo ngesandla.
Ingabe iphatha wonke umjikelezo wempilo wemali-mboleko?
Yebo — kusukela esicelweni nasekugunyazeni kudlula ekukhishweni kwemali, inkokhelo, ukuqoqa, ukubala futhi, ngokweboleka okuvikelekile, izibambiso. Isigaba ngasinye sinekhasi laso kugridi engenhla, kodwa zabelana ngerekhodi elilodwa lemali-mboleko, ukuze inkokhelo ifakwe kuleja, ibuyekeze ibhalansi yomboleki, futhi iyisuse ohlwini lwezikweletu ngomzuzu ofanayo.
Ingabe kufanele ngisebenzise yonke ingxenye?
Cha. Iningi labebolekisi liqala ngomsebenzi olidla kakhulu — ngokuvamile ukujaha izikweletu noma ukuqhuba amaqembu — futhi livula okunye njengoba kuqhubeka. Ngenxa yokuthi konke kukurekhodi elilodwa lemali-mboleko, ukuvula enye ingxenye kamuva akusho ukufaka kabusha incwadi yakho; kuqala nje ukusebenza nedatha esivele ikhona.
Ngingazi kanjani ukuthi yimuphi ingxenye engiyidinga kuqala?
Qala ngomsebenzi opha igazi amahora amaningi kakhulu noma imali eningi kakhulu. Uma imali-mboleko esephuzile ikumangaza ngesikhathi sokuvumelanisa, qala ngokuqoqa. Uma uhlukanisa imali-mboleko phakathi kwamalungu eqembu ngesandla, qala ngokweboleka ngamaqembu. Amakhadi angenhla aveza umzuzu obuhlungu ingxenye ngayinye ewuxazululayo — khetha lowo ozwakala njengeviki lakho.
Yiziphi izinhlobo zabebolekisi ezisebenzisa i-Lendbox?
Abebolekisi bemali, izikhungo zezimali ezincane, ama-SACCO, amabhange ezimali ezincane, abebolekisi bezimali zempahla nabaqashi abaqhuba izinhlelo zemali-mboleko yabasebenzi. Imisebenzi iyafana noma yisiphi isikhungo — ukugunyaza, ukukhipha, ukuqoqa, ukubala — yingakho isofthiwe ihlelwe kuzungeze umsebenzi kunelebula. Ungaphinde uvinjele ngohlobo lomebolekisi kwihabhu yezixazululo.

Qhuba umsebenzi okwenza uhambe kancane

Qala ukulinga kwamahhala kwe-Lendbox bese ufaka ingxenye oyidinga kakhulu ukuze isebenze kwincwadi yakho yemali-mboleko kuleli viki.

Akudingeki ikhadi.