Uma uthola ikhokhelo lakho lokuqala, ungase umangale ngokukhipha imali ehlukile. Kubalulekile ukuqonda ukuphazamiseka kwalokho okugodliwe nokuthi yini esetshenziselwa yona. Ukuhlola kungahluka kancane kunkampanini kuya enkampanini, ngakho-ke uma unemibuzo eyengeziwe, ungacela umnyango wakho wemithombo yabantu. Kufanele uqaphele ukuthi ezinye izinkampani zihamba ngenyanga ngemuva kokukhokha, ngakho-ke noma yiziphi izinguquko emahoreni, ukhokhe noma izinzuzo zingase zibe inyanga ngemuva. Uma uthola ukuphakama ngeke ubone okuningi njengoba ucabangele ekukhokhweni kwakho kwekhaya, ngoba izinga lakho lentela lingakhuphuka ngokuya ngobukhulu bokuphakamisa kwakho. Ukuqonda ukukhokha kwakho kungakusiza ukuthi uqonde ukuthi kungani lokhu kwenzeka.
01 Khokha njalo
02 Ezinye izinhlobo zokukhokha
Eduze ebhokisini lakho lokukhokha elivamile, ungabona amabhokisi abhalwe nge-overtime, holiday and pay sick . Lokhu kungabonisa amahora owatholile, noma lokho kungafika esitatimendeni esithile. Lokhu kuzolula noma yiliphi lamahora owasebenzisayo phakathi nalesi sikhathi sokukhokha. Umholo wesikhathi esengeziwe kufanele ubalwe ngesikhathi nesigamu. Kubalulekile ukuqapha inani lezinsuku zokuphumula nezinsuku ezigulayo ozitholile. Uma ushiya umsebenzi wakho noma ususiwe, kufanele ukhokhelwe izinsuku ozifakile. Qinisekisa ukuthi uhlola inqubomgomo nomqashi wakho ukuqinisekisa ukuthi uthola inani oyifanele uma ushiya umsebenzi wakho.
03 Imali Ekhokhelwa Imali Ekhokhelwa Imali Nokugwema
Lona inani lokukhokhwa kwakho okukhokhwa intela nguhulumeni wesifundazwe. Ukuncishiswa kwakho kwe-pretax (umshuwalense wezokwelapha kanye wamazinyo, umhlalaphansi kanye nama-akhawunti asetshenziselwa ukusetshenziswa kwemali ) kumele ususwe ekukhokhweni kwakho okujwayelekile ukuze ulinganise le mali. Imali yokugodla yinani lentela oye wayigodla. Ungaphinde ulandelele ukuze ubone ukuthi kungakanani okwenziwe ngonyaka ukuze usondele. Esinye sezizathu ezinhle ukubhalisela umshuwalense wezempilo futhi ulondoloze umhlalaphansi ngomsebenzi wakho ukuthi ukunciphisa imali engenayo engenayo, okusho ukuthi uzokhokha intela encane. Thatha isikhathi sokubuyekeza iphakheji yakho yezinzuzo uma uqala ukusebenza noma ngesikhathi sokubhalisa okuvulekile.
04 Imali Ekhokhwayo Yomhlaba Nokugwema
Ikholomu yenkokhelo yokukhokha intela yombuso ibonisa inani uhulumeni wakho azokukhokhisa ngalo. Ikholomu yokugodla ibonisa inani elinikezwe umbuso. Izintela zombuso zizobe zikhokhwa inetha lakho esikhundleni sokukhokhwa kwakho okukhulu. Uma isimo sakho singenayo intela engenayo, ngeke ubone noma yini lapho.
05 I-FICA noma i-OASDI Imali ekhokhwayo nokukhokha
Ezinye izinkampani zizobhekisela kule ntela njenge-FICA (uMthetho we-Federal Insurance Contributions Act) noma njenge-OASDI (Uhlelo lwe-Old Age, Survivors and Disability Insurance program). Lezi yizinhlelo ezifanayo. Imali ekhishwa ifanelana nomqashi wakho futhi ikhokhelwe ohlelweni lokuvikela umphakathi. Ungase uqale ukuthola isitatimende sokuhlomula kusuka ohlelweni lokuphepha kwezenhlalakahle eminyakeni yonke embalwa echaza ukuthi iziphi izinzuzo zakho ezizobe zikhona, kodwa lokhu kuzovela ngeposi futhi kuhlukile kwi-paycheck yakho.
06 Okuthintekayo okungafani
Uzobona amabhokisi amancane ambalwa azobhalwa ngamanye amanani ahlukene, okumele afake umshuwalense wezempilo, umhlalaphansi, kanye nanoma yiziphi izinzuzo zokudla zokudlela ongazibhalisela. Ukuncishiswa kwakho kwe-akhawunti okuguquguqukayo kufanele kube lapha futhi. Lezi zinto zizophuma ngaphambi kwentela yakho, futhi ungakwazi ukunciphisa imali engenayo engenayo ngokubhalisela yona. Kungumqondo omuhle ukuhlola ukuze uqiniseke ukuthi inani elifanele lilondolozwe inyanga ngayinye, ikakhulu uma uqala ukusebenza. Khona-ke uma ungabheka uma inani okhokhwa ngokuzumayo lishintsha. Uma ukhokha izinto ezifana nebhasi lakho lokubhadela nge-paycheck yakho, lizofakwa ohlwini, futhi, nakuba lezi zinto zingekho intela ekhishwayo. Qinisekisa ukuthi ubuyekeze i-stub yakho yokukhokha njalo ukuze uqinisekise ukuthi konke kukhishwa ngendlela efanele ukuze ungapheli ukukhokhisa okuningi intela.