Ukuhlelwa kwezimali kwansuku zonke eNingizimu Afrika kuqala ngokuthola imali ngendlela ethembekile nangokuqonda ngokucacile imali engenayo nezindleko ezivamile. Amabhange ahlinzeka ngama-akhawunti, amakhadi, izinkokhelo ze-elektroniki, izinsizakalo zemali engukheshi, imikhiqizo yokonga kanye nesikweletu. Izindleko zasekhaya zihlanganisa indawo yokuhlala, ukudla, ezokuthutha, izinsiza, imfundo, ukunakekelwa kwezempilo nezikweletu ezingaveli njalo; ngakho-ke isabelomali kufanele sihlukanise izibopho ezingaguquki nezindleko ezingashintsha. Isikweletu sidala isibopho sokusikhokha futhi singangeza inzalo, izimali nezinye izindleko ezivunyelwe. Imalimboleko, ikhadi lesikweletu, i-overdraft, isivumelwano sokuxhasa imoto ngezimali, imali mboleko yomuzi noma i-akhawunti yesitolo kufanele kuhlolwe ngezindleko zakho zonke kanye nohlelo lokukhokha. Ukweqiwa kwezinkokhelo kungaholela kwezinye izindleko, ezinyathelweni zokuqoqwa kwezikweletu nasekuncipheni kwamathuba okuthola isikweletu. Ukutshala imali kubeka imali ezimpahleni ezifana namasheya, amabhondi, ama-unit trust, ama-exchange-traded fund, izakhiwo noma imikhiqizo yomhlalaphansi. Ukutshalwa kwezimali kungalahlekelwa inani, futhi ukukhetha okufanele kuncike ekutheni imali izodingeka nini nokuthi umtshali-zimali angakwamukela kangakanani ukulahlekelwa. Umshwalense unenhloso ehlukile: udlulisela ubungozi obuthile bezezimali kumshwalense ngokukhokha iprimiyamu, ngaphansi kwembozo yomshwalense, izinto ezingafakwanga nemibandela yezimangalo. Izintela ziqoqwa ngezinhlelo ezifana nentela engenayo, i-PAYE ne-VAT; izibopho ezisebenzayo zincike emalini engenayo, emsebenzini, ekuthengeni, empahleni, emsebenzini webhizinisi nakwezinye izinkokhelo. Ukugcina amarekhodi asebhange, ama-invoyisi, ama-payslip, izinkontileka, amaphepha entela nezinqubomgomo zomshwalense ndawonye kwenza izinqumo zezezimali nokuhlola kamuva kube lula. Uhlelo oluqinile luxhumanisa ukuhamba kwemali kwansuku zonke nokukhokha izikweletu, imali ebekelwe izimo eziphuthumayo, ukutshala imali kwesikhathi eside, izibopho zentela nokuvikela ekulahlekelweni, kunokuphatha lezi zindawo njengokungathi azihlangene.
Ezezimali eNingizimu Afrika
Ezezimali eNingizimu Afrika zihlanganisa indlela abantu abahola, abagcina, abasebenzisa, ababoleka, abatshala, abavikela futhi abadlulisa ngayo imali. Amabhange asekele ama-akhawunti nezinkokhelo, kuyilapho ukutshalwa kwezimali, izindleko zasekhaya, izikweletu, izintela nomshwalense kuthinta izingxenye ezihlukene zokuhlela ezezimali. Izinqumo ezifanele zincike emalini engenayo, ezinhlosweni, esikhathini, ebungozini nasemigomeni enikezwa umhlinzeki ngamunye.
Tip
Phatha izimali zakho eNingizimu Afrika njengohlelo olulodwa oluxhumene: qala ngokuhamba kwemali, bese ubheka izikweletu, imali oyibekile, ukuvikelwa nokutshala imali kwesikhathi eside. Khetha imikhiqizo ngokwezindleko zayo zonke, imigomo, ukutholakala kwemali nobungozi, hhayi ngentengo ephansi ekhangisiwe noma inzuzo elindelekile kuphela. Gcina amarekhodi ndawonye ukuze uqinisekise izinkokhelo, ulwazi lwentela, ukutshalwa kwezimali nembozo yomshwalense uma kudingeka.