Impahla yomuntu siqu isekela ukuphathwa kwezemisebenzi
- Ukwandisa ukuguquguquka kwemvelo ekunqumeni ukuthi yimiphi imisebenzi enikezwayo noma izabelo zokusebenza ozamukelayo
- Inhlonipho eyengeziwe evela kubaphathi bakho
- Umshuwalense ngokukhishwa kwemali noma ukungasebenzi
Lesi yisici esithakazelisayo senkambiso yezinkampani , njengoba kuxoxwa ngokuningiliziwe ngezansi.
Ukwehliswa Okuthuthukisiwe: Ngokuphathelene nokunikezwa kwemisebenzi kanye nezabelo zomsebenzi, izinkulumo zemali ngokukunika ikhono lokuthi cha. With pool enkulu yokulondoloza, ungakwazi ukukhokhela ukunciphisa amathuba angakhanelisi kuwe, noma kunjalo, inkokhelo inkokhelo kungenzeka. Ngamazwi omlobi wezezimali uRandall Lane (njengoba kuxoxwa kuyi -Pennsylvania Gazette , umagazini we-alumni wase-University of Pennsylvania, ngoNovemba / Disemba 2010), "Imali, kimi, inkululeko nje yokwenza okufunayo."
Ngakolunye uhlangothi, uma ungenalo umshini ogcwele wokulondoloza, izinketho zakho zilinganiselwe. Kuyoba nzima kakhulu ukwehlisa isikhundla esikhokhela kakhulu, kungakhathaliseki ukuthi yiziphi izinkinga. Futhi kuyoba yingozi kakhulu ukuphikisa izidingo ezivela kubaphathi bakho ukuthi ubonakala ungapheli noma ungenangqondo.
Inhlonipho eyengeziwe: Izinkulumo zemali nazo ngomqondo wokuthi, cishe njalo, isisebenzi okuthiwa sinomcebo ophawulekayo sithola inhlonipho eyengeziwe kubaphathi bakhe, konke okulinganayo, kunomuntu ongekho.
Kungani? Lesi sifundo esithakazelisayo ekuphathweni kwengqondo .
Isisebenzi esibonakala sidinga umsebenzi, ikakhulukazi uma singase sithinteke ekuhluphekeni kwezezimali ngokulahlekelwa yikho, kuyisimanga esicacile sokufuna okungenangqondo noma ngokweqile uma ukulawulwa kulungiswa. Isisebenzi kuleso sikhundla asikwazi ukuphinda siphindele emuva, futhi ngaleyo ndlela sengozini yokubuyekezwa okungasebenzi kahle noma ngisho nokuxoshwa.
Loluhlobo lomuntu, kaningi, luyithathwa kalula ngabaphathi.
Ngakolunye uhlangothi, izinkulumo zemali esimweni somsebenzi ohlonishwayo ukuthi unezinto eziningi zezimali. Lolu hlobo lomuntu lunekhono lokuthi cha futhi lubuyele emelene nemilayezo engenangqondo. Ukuphathwa, okwamanje, ngokuvamile kulindeleke ukuthi isisebenzi esinjalo singabanjwanga emsebenzini, noma ku-firm. Umkhumbi wezezimali ohlinzekwa echibini elikhulu lokulondoloza uvumela umuntu onjalo ukuba ahambe esesimweni esingathandeki, ngezingqinamba ezimbalwa. Ngakho-ke, abaphathi bancane kakhulu ukuphoqa kanzima ngokumelene nomsebenzi ocebileyo kunomuntu ongekho.
Umshuwalense Wemisebenzi: Njengoba kunikezwe ingozi yokuhlaselwa isisulu, ukusika ibhonasi noma ukusika kwenkokhelo (njengalapho abakhiqizi behlushwa ngokuzumayo ngemishado emisha yokusetshenziswa kwengqalasizinda yenkampani), ukuba nemikhakha eyanele yokonga inikeza umshuwalense ngokumelene ukucindezeleka kwezezimali okungase kubangele.
Abasebenzi abaningi bezinkampani zesikhathi esigcwele baba osomabhizinisi abaziqashile ngenxa yokudilizwa noma ukushaya amathuba emisebenzi phakathi kwabaqashi babo bamanje, futhi ukuthola ukuthi ngenxa yobudala banamathuba amancane okuqashwa kabusha kwenye indawo.
Ukuthola imali eningi kungakwazi ukubhebhethekisa ukushintshwa okunjalo futhi kuhlinzekwe imbewu eyinhloko kwamabhizinisi amasha, lapho kudingeka khona.
Qaphela, Nokho: Ukuqoqa umcebo obalulekile wezezimali, futhi ukukhangisa leli qiniso (ngokuzenzekelayo, kodwa ngokucacile) kubaphathi, akukuniki i- blanche card ukuba ibe yi-slacker. Imali yakho ikhuluma kuphela uma uqhubeka ukwenza ezingeni eliphezulu futhi ngaleyo ndlela wenze abaqashi bakho bakhathazeke ikakhulukazi ngokulahlekelwa izinsizakalo zakho uma bengakuphathe kahle.
Phakathi naleso sikhathi, qaphela umqondo wemisebenzi wokushintsha imisebenzi ngezikhathi ezithile . Umphumela ofanayo ungafinyelelwa, kwezinye izimo, ngokuhlala njalo ubheke amathuba amasha futhi angcono kwenye indawo.
Isu Lokusebenza: Esinye sezizathu eziyinhloko zokuqalisa umsebenzi embonini yezinsizakalo zezezimali kungenxa yezinga eliphezulu lokukhokhwa ngokulingana nalabo abanye abaqashi.
Izinkulumo zemali uma wenza ukonga, kunokuba uchithe, lokho okunye okukhokha kukho okuyinhloko kuqala. Futhi thinta ubuchwepheshe bokutshala izimali ngaphakathi kwenkampani yakho ukuze usebenzise lezo zindleko ngendlela ezuzisa kakhulu, futhi, njengoba kubalulekile, ukwazi kahle imininingwane yokutshalwa kwezimali nokuhlelwa kwezimali (uma ungekho kulezi zindlela zomculo).
Ngeshwa, abaningi abathola imali ephezulu embonini yezinsizakalo zezezimali behluleka ukufaka lezi zifundo ngaphakathi. Inombolo yenza ukusetshenziswa kwabo kukhuliswe ukuze bahlangabezane nemali yabo engenayo, okwenza kube nokugcinwa okunamandla nokuthanda izinto ezibizayo okunzima ukuzamazama, ngisho nasezimo ezimbi kakhulu. Kuyathakazelisa ukuthi baye baphatha kabi imisebenzi yabo ukuze bavumele imisebenzi yabo ekhokhelwa phezulu ibabophe impela kunokubanika inkululeko yezezimali. Ungangeni kulolugibe. Khumbula ukuthi imali engenayo ayiyona ingcebo (bheka ingxoxo yethu yezimpahla zezimali ), futhi ihlale isengozini yokuqedwa nomsebenzi uqobo.
Ukuvikelwa Kokuhlolwa Kwezikweletu: Ukukhathazeka okukhulu nokukhulayo kwabafuna umsebenzi namuhla ukuthi abanye abaqashi basebenzisa ukuhlolwa kwekhredithi ekwenzeni izinqumo zokuqashwa. Ngenxa yalokhu, ukuthola indlu yakho yezezimali ngokunciphisa isikweletu nokwandisa ukonga kungasho umehluko phakathi kokuthola noma ukuthola isikhundla. Ithiyori eyisisekelo yukuthi abaqashiwe umsebenzi abanezikweletu eziphakeme kakhulu ngokuvamile banokwethenjelwa futhi banokwethenjelwa kunalabo abanamaphuzu aphansi. Ubuqiniso bale ncazelo buphikisana kakhulu, kodwa abaqashi abaningi basacindezela ekusetshenzisweni kokuhlolwa kwekhredithi, lapho kuvunyelwe khona umthetho.
Kodwa-ke, phawula ukuthi ukugcina imali enkulu kanye nokukweleta okuphansi akusho ukuthi kuguqulwe esikhwameni esikhulu semali esikweletu. Phakathi kwamaphutha amaningi ku-FICO credit scoring methodology ukuthi kuhloswe ukucindezela abantu abanomlando omncane noma ongekho umlandu.