Esinye sezici ezinzima kunazo zonke zokuba ngumthengisi kuyinto engabazeki. Kungenzeka njalo ukuba nenyanga embi noma izinyanga ezimbalwa ezimbi ngokulandelana, okungabeka noma yimuphi umthengisi ezinkingeni zangempela zezezimali. Izindaba ezinhle ukuthi unganciphisa izinkinga zokulahlekelwa isikhathi eside ngokuzi ukuthi imiphi imisebenzi yokuthengisa okufanele iqhubekele nokuthi ingakanani ukuyiphishekela.
Amamethrikhi wokuthengisa
Ukuze wazi ukuthi yimiphi imisebenzi ezokunikeza kangcono kakhulu ngokusekelwe esimweni sakho samanje, kuzodingeka ulandelele amathrikhi wakho wokuthengisa njalo.
Gcina ishidi lokulandelela ikholi elibandayo bese uligcwalisa njalo lapho wenza izingcingo - lokhu kuzokusiza ukuthi uhlole amaphesenti akho okushaya ucingo. Ngokuqondile, ungakwazi ukulandelela inombolo yokudayela kuthatha ngokwesilinganiso ukunikeza ukuqokwa okulodwa. Le nombolo izoshintsha usuku nosuku kuye ngokuthi isimo sakho sengqondo, indlela yakho, nenhlanhla (okuhle noma embi). Ngakho uma ulandelela le nombolo ngokuhamba kwesikhathi, uzoba nomqondo onembile kakhulu wezinga lakho langempela.
Amaphesenti wokhetho
Uzodinga futhi ukulandelela iphesenti elilandelayo elibalulekile ekuthengiseni - iphesenti yezincomo oziphathayo ukuzovala . Futhi, kufanele ubuke emuva emisebenzini yakho ngezinyanga ezimbalwa ukuze uthole isilinganiso esithembekile. Ngamaphesenti amabili, uzoba nomqondo omuhle kakhulu wokwakha iphayiphi yokuthengisa okuzogcina ukuthengisa kwakho kugeleza kahle.
Ngaphambi kokuthi ungasebenzisa le nombolo, noma kunjalo, udinga ukucabangela umphumela. Uma ungenayo imigomo ebekiwe, uzoba nje ebumnyameni njengokungathi awuzange ukhathazeke ukulandelela imisebenzi yakho nhlobo.
Umgomo wakho wokuthengisa kufanele ufinyeleleke, futhi kufanele kube ngokwanele ukumboza izindleko zakho ngemali esele. Leyo imali eyengeziwe ingase ihambe ekubhekaneni nezindleko zakho phakathi nezinyanga ezihamba kancane.
Ukuthengisa Okudlule
Uma usukhethile umgomo, yisikhathi sokuhlola ukuthengisa kwakho okudlule. Uma ungazange ulandele lezi zinombolo, umphathi wakho wokuthengisa kungenzeka akunike amarekhodi akhe ezinyangeni ezedlule.
Ngokuqondile, ubheka ukuthi uthola imali engakanani kumakhomishini ngokudayiswa okujwayelekile. Lokhu kubalwa kungaba nzima uma ukhona esikhaleni samakhomishani esilayo (isib. Uma uthola amaphesenti owodwa wekhomishana ukuze uhlangane ne-quota yakho kanye nephesenti eliphezulu lamakhomishana uma uhamba ngaphezu kwe-quota yakho). Kungase kudingeke uhlele ezinye izinombolo ngokususelwa kungaki yokuthengisa ocabanga ukuthi ungayivimba ngenyanga ephakathi. Ungasebenzisi izinyanga zakho ezinhle kakhulu njengesilinganiso sokuqhathanisa; ufuna inombolo ongayifinyelela okungenani isigamu sesikhathi, futhi uvikelekile uma ukhetha inani elingapheli.
Isibonelo, asho ukuthi uthola ikhomishini engu-10% kukho konke ukudayiswa futhi ukuthengisa kwakho okujwayelekile kungu $ 4,000. Uma kunjalo, wenza (ngokulinganisa) $ 400 kukho konke ukuthengisa okukuvaliwe. Uma umgomo wakho ukuyisa ekhaya u-$ 3,200 ngenyanga kumakhomishana, udinga ukuvala ukuthengisa okuyisishiyagalombili ngenyanga njalo. Khumbula, kungcono ukuba nesimo sokungathembeki kunokuba ube nethemba kulezi zibalo, noma kungenzeka ukuthi uphume imali ebhange. Uma ukudayiswa okwesishiyagalombili ngenyanga kuyilula langempela kuwe, kuzodingeka wenze izinguquko ezibalulekile. Ungakwazi ukusika izindleko zakho, noma ungaqala inkambo yokuphazamiseka ekuthengiseni uze uthuthukise ukusebenza kwakho jikelele ezingeni elidinga.
Iyini inombolo?
Njengoba ucabanga ukuthi ukuthengiswa okuyisishiyagalombili ngenyanga kuyinombolo ephawulekayo kuwe, manje ungakwazi ukufaka amaphesenti amabili owawucabanga ngaphambilini. Ake sithi kuthatha izincomo ezibandayo ezingu-12 ngokulinganisa ukusetha ukuqokwa okulodwa, futhi uvale okunye kokubekwe kwabafundi abane okhethiwe. Uma kunjalo, udinga ukwenza amakholi angu-48 ukushisa ukuvala eyodwa. Futhi njengoba umgomo wakho ukwenza ukuthengisa okungamashumi ayisishiyagalombili ngenyanga, uzodinga izingcingo ezingu-384 ezibandayo ngenyanga ukuze wenze umgomo wakho.
Ubuhle bokuba nalezi zinombolo kutholakale kalula ukuthi akudingeki uzibuze ukuthi wenza okwenziwe ngokwanele noma uma uzohlangabezana nesilinganiso sakho kule nyanga. Uzokwazi njalo ukuthi usondelene kanjani nokufeza imigomo yakho, futhi ukwazi ukuthi kuzosiza ukukhulisa ukuzethemba kwakho - ngaleyo ndlela kukusiza ukuba wenze ukuthengisa okungaphezulu.