Bafuyi noma balimi labaningi babalekela lomsebenti wekugcinaimibhalo njengoba kunga yintfo-ledla sikhatsi. Nomakunjalo, kungumsebenti lolukhunyana kuba ngumfuyi noma umlimi loncono.
Emabhange, tisebenti tahulumende kanye nalabanye labafakela ngemali bafuna emabhukuekubhalela lamahle asemapulazini ngaphambi bakunikete imali noma bakuboleke imali lengabakhona. Ngekwengeta, kugcinwakwemibhalo lemihle ekulimeni kungasita umlimi kutsi ahlele kahle aphindze akhokhe lokuningi lokucondzile.
Kugcinwakwemibhalo yekunetsa kwemvula kanye nendlela yesimo selitulu kungaphindze kusite balimi kutsi bacagele lesimo selitulu ngesikhatsi lesilandzelako sekulima. Kuba nalokubhaliwe phansi kwemali lecitsiwe kanye nalengenile kungasita ngekuhlelela simo setimali.
Gcina umbhalo ngekuhluma kwelinani letinhlanyelo letitsengiwe kuleso sikhatsi nako kungasita lomlimi kutsi akkhetse tinhlavu noma inhlanyelo lekahle kwentela sikhatsi lesitako. Ngesimo semfuyo, kumele kube nekugcinwakwemibhalo yemilayiniyengati, tilwanyana kanye netifo, luhlobo lwekudla kanye nekudliwa. Loku kungasita kuvikela kuhlangana, kunakekelwa kwetilwanyana letincane kanye netifo phindze kunikete kudla lokukahle kwentela kukhula lokukahle.
Yini Imibhalo Yase Pulazini?
Imibhalo yase Pulazini ivama kufaka emaphepha lafana netintfo letibekelwe kutsengiswa, tintfo lesetihleti sikhatsi lesetite lizinga, tiliphu kanye nalokumele kubhadalwe, emabhuku etisebenti, imininingwane yemishina, emabhuku ekusebenta ngekukhicita ngemandla kanye nalokunye.Ucala Njani Kugcinaemabhuku?
Kugcinwakwemabhuku epulazini kumele kufake luhla lwetintfo letitsengiswako, kukalwa kwetintfo (kanye naleto lesetihleli sikhatsi lesidze) kanye nekubhalwa kwetimali. Tintfo temali ngunoma yini yelizinga lengajikiswa ibeyimali.Luhla lwalokutsengiswako
Yenta luhla lwetintfo tonkhe letitsengiswako epulazini kanye nemazinga ato ngemaRandi. Tintfo letingaba yindzawo, emabhilidi, imishina kulelipulazi, inhlanyelo levuniwe, inhlanyelo lekhona ensimini kanye nemfuyo.
Kukalwa kweTintfo
Sinyatselo sesibili ekugcinwenikwemabhuku kukalwa kwetintfo – kubekeke ngemaRandi. Lendlela lesetjentisiwe kwentela letintfo letikalwako ishiyana ngendalo yaleyontfo nenjongo, kepha yiba nesiciniseko kutsi usebentisa indlela yekukala lafanako njalo ngemnyaka.
Kugcinwa kwemibhalo yeTimali
Yonkhe imali lengenako kanye nalecitfwako kulelo pulazi kumele ibhalwe phansi.
Indlela Yekukala Tintfo
Tindlela tekukala letintfo letivame kusetjentiswa ngunati:Sikali semakethe
Letintfo tikalwa ngalelinani lemali yekumaketha. Lesetjentiswa kukala lokucushiwe nenhlanyelo.
Kubita
Lena ndlela isebentisa indlela lengiyo lebitako ekutsengeni letintfo phindze isebente kahle kulabo labayitsengisako kufana nagasolina kanye nekudla lokusandza kutsengwa phindze kube khona linani lekutsanga emanani lasekhona. Tintfo letilahlekelwe lizinga ngekuhamba kwesikhatsi kufana nekufakelwa kwelipulazi kukalwa ngekwehluka.
Linani leliphansi noma kubita ngekwemakethe
Lenandlela ikala intfo kabili ngelinani layo lendalo kanye nekubita ngekwemakethe. Liani leliphansi liyakhetfwa.
Kubita kwemkhicito wasePulazini
Lenandlela isetjentiswa enhlanyelweni lelinyiwe kepha lesengakavunwa.
Kubita, nekususwa kwetintfo letiphelelwe sikhatsi
Lena ndlela isetjentiselwa tintfo letisetjentiswe ngesikhatsi sekwakhiwa, kepha kwaphelelwa lizinga ngekuhamba kwesikhatsi kufanna nemishina. Lizinga lawo liyehla ngelinani lekuphelelwa sikhatsi ngaloyo mnyaka.
Yini Kuphelelwa Sikhatsi?
Kugcinwakwembhalo epulazini kumele kugcine luhlelo lekuphela kwesikhatsi setintfo. Kuphelelwa sikhatsi kuwelela ekuncipheni kulelizinga lwetintfo kufana netimoto, imishina, kufakela, tintfo letisetjentiswako nemathuluzi.Kulahleka kwelizinga kwenteka ngemnyaka, kugcokwa kanye nekudzabuka nekungabinendzaba (kubayintfo lengenamsebenti). Kuphelelwa sikhatsi akusiyo imali lebonwako kepha esikhundleni lokuncipha ngalesigaba setintfo letibhalwe tacinywa ngekuhamba kwesikhatsi lebesigadziwe saletintfo.
Kubhalwa Phansi kweTimali
Kwentela kugcinwakwemibhalo lekahle yemali epulazini, kubalulekile kugcina luhlwa lwemali yonkhe lengenako kanye netintfo letitsengwako kulelipulazi. Gcina imibhalo ngayinye kutsi ubhale kungena kwemali nalephumako ngekutsenga ngentfo yonkhe ngayinye kulelipulazi. Fana nekutsi, gcina imibhalo ngekuhlukana yemimbila nemazambane.Indlela yekugcinwakwemabhuku iyadzingeka kwentela kubala imali yalelipulazi lengenile naleyo letsatfwa nguhulumende yemnyaka, kuchaza kungena kwemali, kusungula luhla lwekucitsa imai kwentela likusasa kanye nekugcina luhlelo lwalokukhicitiwe ngakunye kwentela kuciniseka kutsi kukhicitwe ngelinani-lelisebentako.
Lendlela lapho lemibhalo yemali ingatfolwa khona ifaka:
Titatimende tasebhange
Emabhuku lachaza ngemali – kufaka tiliphu kanye nalokubhadelwe khona lapho.
Incwadzi yekubhala imali yekuvula – yimali lesebentako kuphela lengabhalwa kulencwadzi.
Incwadzi yemiholo – ikhomba kubhadalwa kwemaholo, tikwenedi kanye nekubhadala futsi.
Incwadzi Yekubekela – tonkhe tiliphi tekubhadala kumele tibhalwe lapho.
Inkhomba yemali lebhadelwe, tipho letibolekilwe kanye netiliphu tekutsengisa, titatimende, tiliphu letitfolwa nakubhadelwe kanye netilliphu letitfolwa nakuhanjiswe tintfo.
Titatimende Temali kanye Nekugcinwakwemabhuku
Lemibhalo yelipulazi isetjentiswa kucala titatimende temali. Titatimende temali tifaka kucondziswa kwemali, kungena kwetitatimende temali kanye kanye netitatimende tekungena.Lokucondziswa kwemali kukhomba kutsi lomlimi ukweneta ini nekutsi lomlimi unani bese kunika kubuketa lokuphelele kwemali yalelipulazi kutsi limephi ngaleso sikhatsi lesibekiwe noma lesinikiwe.
Letitatimende temali lengenako tikhomba kubita kanye nekungena kwemali kusuka kukunye kuya kulokunye lokulandzelako.
Letitatimende tekungena kwemali tikhomba lokungena kwemali kulelipulazi nekuphuma kwayo kulelipulazi.
Translated by Phindile Malotana