Ngokusho kwabakwa-MBO Partners, inani lezinkontileka ezifunayo kanye nama-freelancers likhule lisuka ezigidini ezingu-15.9 ngonyaka wezi-2011 kuya ku-17.9 million ngasekupheleni kuka-2014. (Umthombo: I-HR Magazine, July / Aug 2015)
Ngesinye isikhathi emsebenzini wakho, ungase ubhekane nesinqumo sokwamukela umsebenzi ngezinzuzo noma umsebenzi ozimele owenkontileka onganikeli izinzuzo zeqembu. Uzonquma kanjani?
Izinkontileka ngokubambisana nezinzuzo zabasebenzi
Ngaphambi kokwamukela noma yiluphi uhlobo lokulungiswa komsebenzi, kubalulekile ukuqonda izinto ezimbili ezinkulu:
- Okufanele uzuze ngobuchwepheshe ngalolu hlobo lwesivumelwano somsebenzi
- Yiziphi izidingo zakho ngabanye ngokwemigomo yakho yezempilo nemali
Ngokusobala, kunezinzuzo nezindleko kuhlobo ngalunye lwemisebenzi yomsebenzi. Kubalulekile futhi ukuqaphela ukuthi imisebenzi yesikontrakta esizimele akufanele idideke nomsebenzi ekhaya noma ukuthungatha imisebenzi engaba ubuhlobo bomsebenzi wangempela obanikeza izinzuzo.
Ukusebenza njengompontraktha ozimele
Abontrakti abazimele (basebenza ngokweqile) basebenza ngaphansi kwesivumelwano se-W-9 futhi kufanele banikeze yonke imishini yabo yomsebenzi, kubandakanya amakhompiyutha, ifoni, insizakalo ye-inthanethi, isofthiwe, kanye nehhovisi. Bakhokhela zonke izintela zabo zentela kwi-Internal Revenue Service futhi kumele bafake izinzuzo zebhizinisi unyaka ngamunye.
Abontrakti abazimele bangaba namandla okusebenza kusuka ehhovisi labo lasekhaya, emgwaqweni, noma kumasayithi omthengi ngamunye kuye ngezinhlobo zamasevisi abahlinzekayo. Badingeka ngenkontileka yokuhlinzeka umsebenzi okwenziwa yizaklayenti zabo, uma nje bevumelana nemigomo yezivumelwano, amahora okutholakala, nesilinganiso sokukhokha. Okokugcina, osonkontileka abazimele kumele bathenge umshuwalense wabo, njengemikhiqizo yezempilo nemali.
Izinzuzo zokusebenza njengonkontileka ozimele zifaka:
- Amandla okukhetha futhi akhethe ukuthi yiziphi izinhlobo zomsebenzi okufanele zenziwe nokuthi yiziphi izimboni namakhasimende okufanele akhonze
- Ukukhetha ukuthi yiziphi amahora omsebenzi okufanele atholakale kanye nemvelo lapho umsebenzi usebenza khona
- Ukuthola uhlobo lwemali oluhlobene namasethi wekhono nolwazi, hhayi ngokusekelwe kumholo wokubeka
Ukusebenza njengomsebenzi oqashiwe
Ngakolunye uhlangothi, abasebenzi abaqashiwe yibo bantu abavumelene ukusebenzela inhlangano futhi bangaphansi kwesivumelwano se- W-4 , esenza umqashi aphethe kokubili intela yokukhokha kanye nentela engenayo. Abasebenzi kudingeka basebenze izinguquko umqashi wabo abacelile, bese uhlala ewashi ngalezi zinsuku, kungakhathaliseki ukuthi ziyihora noma zikhokhelwa. Kungase kudingeke ukuthi bagqoke imfashini, imishini yokuphepha, nezicathulo ukuze benze umsebenzi.
Bazosebenzisa inkampani ehlinzekwa ngamakhompiyutha kanye nemishini, amafoni, inkonzo ye-intanethi, isofthiwe, kanye nendawo yehhovisi noma iziteshi zomsebenzi.
Abasebenzi abahlangabezana nezidingo ezithile zokufaneleka njengoba kuvezwe yinkampani kanye noMnyango Wokunakekelwa Ongabizi kahle bangakhetha ukuthenga izinzuzo zezempilo nezindleko zeqembu labo kumqashi. Kwezinye izimo, konke noma ingxenye enkulu ye-premium izokwenziwa ngumqashi, kodwa ngezinzuzo zokuzithandela isisebenzi singamaphesenti angu-100 anesibopho sokwenza lezi zinkokhelo zenyanga. Izinzuzo zama-premium ezikhokhelwa abasebenzi zikhokhwa ngesisekelo sokukhokhwa kwentela, okusho ukuthi inani lidonswa ngaphambi kokuthola imali kanye nezintela zokuphepha kwezenhlalakahle. Lokhu kungaba imali enhle yokugcina izindleko ngamaphesenti angama-20 kuya kwangu-30 e-premium yenyanga.
Abasebenzi abaqashiwe bangase bafanelekele izinzuzo ezixhaswe yinkampani ezifana nomshuwalense wokuphila, umshuwalense wokufa kanye nomshuwalense wokuqedwa, ukukhubazeka kwesikhashana , ukukhubazeka isikhathi eside, nezinhlelo zokufanisa umhlalaphansi.
Uma bakhetha izinhlelo zokunakekelwa kwezempilo eziphezulu, abasebenzi bangabhalisela uhlelo lwe-Health Savings Plan lokunciphisa izindleko zezindleko ezihlobene nemithi.
Izinzuzo zokusebenza njengomsebenzi yizi:
- Uhlelo olulindeleke njalo kanye nomholo, ngokuvamile ngezinzuzo zeqembu lesisebenzi esincishisiwe
- Ikhono lokukhokha izinzuzo ezikhethiwe besebenzisa ukukhishwa kwentela ngaphambi kwentela (esikhundleni sokukhokha intela)
- Izinzuzo ezengeziwe zendawo yomsebenzi kanye nezindleko zokusebenza (njengesikhathi sokukhokha) umqashi akhokhela ngokugcwele
Kusukela ngenhla, kufanele ukwazi ukunquma ukuthi iyiphi ilungiselelo lomsebenzi elisebenza kangcono ngezidingo zakho zomuntu siqu nezomsebenzi. Kungase kube nokukhethwa kokusebenza ngezimo eziguquguqukayo, ukusebenza ekhaya, noma ukuthatha izinzuzo njengomsebenzi wesikhathi esithile. Abakhiqizi abazimele nabo ngezinye izikhathi banikezwa ukufinyelela komunye umshuwalense wezempilo kanye nezinzuzo zokuzithandela ezenziwa ngabasebenzi, ukuzikhokhela ngaphandle kwemali yabo yokukhokha intela, kodwa ngesilinganiso seqembu eliphansi. Buza ngalokhu ngesikhathi sokuxoxisana ukuthola ukuthi yini ongakhetha kuyo.