Kucoqwa Nekuvuselelwa: Yinchubo, Hhayi Yinkhumbulo

Incenye yesibili yabeka simo seyunithi yaniketa lushintjo ngalunye umnikati, sikhatsi lesibhaliwe kanye nelidokhumenti. Nyalo sakha phezu kwalesosimo umjikeleto lonesisindvo kakhulu etakhiweni: imali. Unesisindvo kakhulu hhayi ngobe kubala kulukhuni, kodvwa ngobe ngiwo wodvwa umjikeleto losebenta ngemalanga langakulindzi. Sivumelwano sekucasha sicala ngelilanga lelitsite, inkhokhelo ifika ngelilanga lelitsite, sivumelwano sekucasha siphela ngelilanga lelitsite. Lawo malanga ayendlula noma ngabe kukhona lowawakhumbula noma kute.

Inkinga kutsi emahhovisi lamanyenti aphatsa lawo malanga ngenkhumbulo. Sisebenti lesinye siyati kutsi umcashi wesakhiwo sesitsatfu ubhadala ekucaleni kwekota ngayinye, futsi umnikati uyakhumbula kutsi sivumelwano sesitolo siyaphela masinyane. Inkhumbulo isebenta kahle kuze kube ngemayunithi lalishumi, bese icala kuvuza ngekuthula. Umehluko emkhatsini welihhovisi lelicoqa ngesikhatsi nelihhovisi lelijaha tikweleti akusiko kutsi basebenti balo bazama kangakanani: lekucala laguca emalanga aba yinchubo, kantsi lelesibili lawashiya etinhlokweni tebantfu.

Emalanga ekukhokha: luhlu lolwakhiwa kusuka esivumelwaneni, hhayi enkhumbulweni

Liphuzu lekucala kutsi sivumelwano ngasinye, ngesikhatsi sisayinwa, sakha luhlu lwaso lolugcwele lwetinkhokhelo kuze kube sekupheleni kwesikhatsi saso, hhayi inkhokhelo yinye bese kulandzela loko lokukhunjulwa ngumuntfu. Luhlu lwetinkhokhelo ngumehluko emkhatsini wekwati lamuhla kutsi utawucoqa malini etinyangeni letine kusukela nyalo, nekutfola ngaloko kuphela nangabe umcashi abhadala noma angabhadali.

Umugca ngamunye kulolo luhlu udzinga okungenani tindzawo letisihlanu:

  • Iyunithi nesivumelwano. Inkhokhelo iboshelwe eyunithini letsite nasesivumelwaneni lesitsite, hhayi egameni lemcashi kuphela. Umcashi munye angahlala emayunithini lamabili, futsi iyunithi yinye ingendlula etivumelwaneni letintsatfu letilandzelanako eminyakeni lemibili.
  • Lilanga lekukhokha nelinani. Lilanga leliqondzile, hhayi inyanga, ngobe incenye yetimphikiswano tonkhe ivela ekuchazweni lokubili lokwehlukene kwemagama ekucaleni kwenyanga.
  • Loko inkhokhelo lekuhlanganisako. Lirenti kuphela, noma lirenti kanye netindleko tetinsita, idiphozithi noma imali yekuphatsa. Inkhokhelo lengehlukanisi tincenye tayo iba yimphikiswano kamuva, nangabe lolunye luhlangotsi lufuna kubuyiselwa incenye yayo.
  • Simo senkhokhelo. Iyeta, isesikhatsini sayo, icoqwe incenye, icoqiwe, isemuva, kusuka eluhlwini loluvaliwe, njengobe senta ncamashi ngesimo seyunithi.
  • Ngubani loyilandzelelako. Umuntfu lowatiwa ngelibito lophendvula ngalowo mugca. Inkhokhelo lengenamnikati ilandzelelwa ngibo bonkhe, lokusho kutsi kute nalomunye loyilandzelelako.

Lusito lwekucala lwalolu luhlu akusiko kucoqwa, kodvwa kubikezela. Nangabe yonkhe inkhokhelo kuyo yonkhe liphothifoliyo yakho ihleliwe, ungabona imali letawungena enyangeni letako ngaphambi kwekutsi icale, ubone inyanga lapho emanani lamakhulu ahlangana khona kanye nenyanga lapho imali lengenako incipha khona. Kubonakala lokunjalo kodvwa kuyashintja tincumo mayelana nekusebentisa imali, kulungiswa kanye nekukhula.

Khumbuta ngaphambi kwelilanga lekukhokha, hhayi ngemuva kwalo

Leli liphutsa lelibita kakhulu futsi lelilula kakhulu kulilungisa. Emahhovisi lamanyenti atsintsana nemcashi ngemuva kwekutsi alibale. Inkhulumo ngemuva kwekulibala yinkhulumo leyehluke ngalokuphelele kunaleyo lengaphambi kwako: yekucala kufuna imali lokuphetse ingcindzi, yesibili sikhumbuto lesingakhetsi hlangotsi. Umcashi lofanako uphendvula kalula kwesibili futsi uyamelana nekwekucala.

Indlela lengasebenta inemaphuzu lamatsatfu ekutsintsana ngaphambi kwelilanga kanye neliphuzu linye ngalo lelo langa:

  • Kusenesikhatsi lesidze ngaphambi kwelilanga lekukhokha, satiso lesinebungane lesinelinani, lilanga kanye nendlela yekubhadala. Akusiko kufuna imali, kulwati nje lolufika ngaphambi kwekutsi umcashi ahlele letinye tibopho takhe.
  • Emalanga lambalwa ngaphambili, sikhumbuto sesibili lesifishane lesinemininingwane leyiphelele yekudlulisela imali, kuze kutsi kuyifuna kungabi sizatfu sekuhlehlisa.
  • Ngelilanga lekukhokha, umlayeto lomfishane locinisekisa kutsi lamuhla lilanga lekubhadala.
  • Masinyane ngemuva kwaloko, umugca ushintja ngekutentakalela ube ngulosemuva bese ungena endleleni yekulandzelela, ngaphandle kwekulindza kutsi kukhona lowubonako.

Umbandzela munye kuphela wekutsi lendlela isebente kutsi kufanele itentakalele. Sikhumbuto lesincike kutsi sisebenti sivule luhlu bese sitfumela imilayeto ngesandla sitawusebenta emavikini ekucala, bese siyawa ngelilanga lekucala lelimatasatasa, lelihlala lifika.

Bhala inkhokhelo ngesikhatsi lapho ifika khona

Kufika kwemali akusiko kuphela kwalomsebenti; yincenye yawo nje. Lenye incenye kubhala lokufika ngakuyo inkhokhelo leyiyo ngesikhatsi lesifanako. Sikhala lesisemkhatsini wekungena kwemali ledlulisiwe nekubhalwa kwayo yinkhala lefanako yekungabonakali lesacala ngayo lolu chungechunge, kodvwa lapha inengoti kakhulu ngobe itsintsa imali ngalokucondzile.

Loko lokwentiwa kubhala sekwephuzile kwatiwa ngibo bonkhe labake basebenta kulomkhakha: umcashi lobhadele utfola sikhumbuto sekulibala bese uyacansuka ngalokufanele; inkhokhelo ifika kumuntfu lotsite futsi kute lowatiko kutsi ngeyaliphi iyunithi, ngako ihlala ingabelwanga emaviki; kucoqwa kwencenye lekute lokwati kuyibala; umnikati ubuta ngemali leyangena ngenyanga yinye bese akatfoli linani lekugcina. Konkhe kuyimphawu yesizatfu sinye: kubhalwa kwenteka sekwendlule sikhatsi ngemuva kwekufika kwemali.

Umtsetfo lowentekako kutsi yonkhe inkhokhelo ibhalwa netintfo letine letingehlukaniswa: linani lelemukelwe ngempela, lilanga langempela lekwemukela hhayi lilanga lekufaka imininingwane, irisidi noma ikhophi yesatiso sekudlulisela, kanye nemugca weluhlu lekubhadalelwe wona. Inkhokhelo lebhalwe ngaphandle kwekuxhunywa nemugca lotsite iba yinombolo ku-akhawunti lengenasibopho lesihambisana nayo, futsi yiloko ncamashi lokuguca kulungiswa kwemali ekupheleni kwesivumelwano kube kuhlolwa kwetitatimende tebhange inyanga ngenyanga lokukhatsalako.

Lesi futsi sikhatsi lesiqondzile lapho ema-invoyisi e-elekthroniki angena khona. Tidzingo tema-invoyisi e-elekthroniki letilawulwa nguSiphatsimandla seZakat, Intsela neMakhastomu (ZATCA) tenta kukhishwa kwelidokhumenti kube yincenye yesikhatsi sekuhwebelana ngaso, esikhundleni sekuba ngumsebenti we-akhawunti lohlehliselwa ekupheleni kwenyanga. Imininingwane yalohlangotsi, nekutsi lusebenta nini kulirenti nakububhulokha, ngiyo ndzaba yencenye yesitfupha yalolu chungechunge, futsi lokukhonjwa kuko lapho ngulokushicilelwa nguSiphatsimandla ngekwaso, hhayi kuchaza kwemuntfu.

Indlela lenetigaba yetikweleti letisemuva

Kulibala kutawenteka noma ngabe uhlele tikhumbuto kahle kangakanani, futsi umehluko emkhatsini wemahhovisi kutsi kwenteka ini ngemuva kwaloko. Lamanyenti aphatsa sikweleti lesisemuva ngekwesimo semoya welilanga: ngalesinye sikhatsi lucingo lolunebungane, ngalesinye sikhatsi kwenyuselwa ngekushesha, lapho lokwenta sincumo kuba kutsi sisebenti simatasatasa kangakanani hhayi bukhulu bekulibala. Umphumela kutsi umcashi akakhoni kubikezela kutsi kutakwenteka ini, futsi awukhoni kuvikela tento takho nangabe indzaba iba yimphikiswano.

Lenye indlela yindlela lebhaliwe nalemukelekile lenetigaba letikhanyako: sikhumbuto lesingakhetsi hlangotsi emalangeni ekucala, bese kutsintsana ngalokucondzile kuze kucondzwe sizatfu bese kubhalwa loko lokushiwo ngumcashi, bese kuba satiso lesibhaliwe lesisemtsetfweni lesinelinani nesikhatsi, bese kwenyuselwa ngekuvumelana naloko lokushiwo sivumelwano lesibhalisiwe kanye nesiphatsimandla lesifanele. Lokubalulekile kulendlela akusiko kuba lukhuni kwayo kodvwa kungashintji kwayo: tigaba letifanako kuwo wonkhe umcashi, sigaba ngasinye ngelilanga lelichaziwe lelibalwa kusuka elangeni lekukhokha, futsi konkhe kutsintsana kubhalwe esivumelwaneni kanye nelilanga nalokucuketfwe.

Kubhala loko ngiko lokuguca kulandzelela kusuka ekujaheni kube lifayela. Futsi nangabe indzaba ifika ngempela esiphatsimandleni lesifanele, umehluko emkhatsini wesimo lesicinile nalesibutsakatsaka akuvamile kutsi ube kufaneleka kwesimangalo: umehluko kutsi ikhona yini irekhodi lelibhaliwe lekufuna imali kanye nemalanga ako. Sivumelwano sekucasha lesibhaliswe kuNethiwekhi ye-Ejar sibhala tinhlangotsi tebudlelwane bekucasha, sikhatsi saso kanye nemininingwane yaso, futsi siyisisekelo lesakhelwa kuso nobe ngusiphi simangalo lesitako; ngiko nje inombolo yesivumelwano lesibhalisiwe kufanele ibe selifayeleni lakho, hhayi ekhabetheni.

Kuvuselelwa: secwayiso lesikufinyelela usenaso sikhatsi

Kuvuselelwa kulicophelo lelinganakwa kakhulu noma kungilo lelishibhile kakhulu. Kugcina umcashi lomuhle kubita kancane kakhulu kunekumshintja, ngobe kumshintja kusho kungabi namuntfu eyunithini, kuhlanta, kutfwebula titfombe, kukhangisa, tingcoco letinsha kanye nengoti yemcashi longatiwa. Kodvwa emahhovisini lamanyenti emalanga ekuvuselela aphatfwa ngengoti, futsi sisebenti sitfola kutsi sivumelwano sekucasha siphela eliviki.

Inkinga yesecwayiso lesephuzile akusiko nje kutsi siphuzile: kutsi sicedza simo sakho ekuvumelaneni. Nakusele liviki esivumelwaneni, ucoca ungaphansi kwengcindzi yekutsi iyunithi isedvute kungabi namuntfu, futsi umcashi uyakwati loko. Nangabe secwayiso sikufinyelela kusenesikhatsi lesanele ngempela, ucoca tindlela tisavulekile: uhlola intsengo uyicatsanisa nemakethe, nicoce ngemibandzela lemcono, futsi nangabe umcashi angachubeki, ukhangisa iyunithi bese uyicashisa ngaphambi kwekutsi ize ingabi namuntfu.

Ekusebenteni, kuvuselelwa kudzinga emaphuzu lamatsatfu esikhatsini: liphuzu lekucala lapho uvula lifayela lesincumo, uhlola umlandvo wemcashi wekubhadala nowekulungiswa bese ubeka intsengo loyihlosile; liphuzu lelisemkhatsini lapho utfumela sicelo ngalokusemtsetfweni bese uvula tingcoco; kanye neliphuzu lekugcina lapho indzaba icedvwa ngekubhalisa kuvuselelwa noma ngekucala tinchubo tekucedvwa kwesivumelwano bese kukhangiswa iyunithi. Lokubalulekile kutsi onkhe lamatsatfu abalwa ngekutentakalela kusuka elangeni lekuphela lelibhaliwe, ngako kute lokuncike ekutseni umuntfu avule lifayela ngesikhatsi lesifanele.

Umbono we-Origami

Temhlaba netakhiwo kanye nemahhotela ngulomunye wemikhakha lesigcile kuyo, futsi kuwo siphatsa umjikeleto wemali njengenchubo lehleliwe hhayi njengembiko we-akhawunti. Umehluko kutsi umbiko ukutjela loko lokwentekile ngemuva kwekutsi kwenteke, kantsi inchubo lehleliwe iyasebenta ngaphambi kwelilanga, yecwayise umnikati wayo bese ibhala sinyatselo ngasinye njengobe senteka. Ngiko nje sakha luhlu lwetinkhokhelo, indlela yekulandzelela kanye nemalanga ekuvuselela ngalokucondzile phezu kwesimo seyunithi, hhayi kulifayela lemali lelehlukile lelibuyeketwa kamuva.

Kulandzelana lesikuncoma kunobe ngumuphi lihhovisi letakhiwo: kucala beka simo seyunithi, bese wakha luhlu lwetinkhokhelo kusuka etivumelwaneni letisasebenta, bese uvula tikhumbuto letitentakalelako ngaphambi kwelilanga lekukhokha, bese uqinisekisa kutsi tinkhokhelo tibhalwa ngesikhatsi lapho tifika khona, bese ubhala indlela yetikweleti letisemuva kanye nemaphuzu ekuhlola ekuvuselela. Lokwakulandzelana ngiko lesikusebentisa emkhakheni wetemhlaba netakhiwo nemahhotela, ngobe sinyatselo ngasinye sifundza kulesingaphambi kwaso, futsi kweca uye ekulandzeleleni ngaphambi kwekutsi luhlu lulunge kusho nje kujaha tinombolo longeke utetsembe.

Loko longakwenta kuleliviki

Kuntjintjiswa kwekucala kulomjikeleto akudzingi lithulusi lelisha: kudzinga sikhatsi sinye sekusebenta kanye netincumo letibhaliwe:

  • Butsa tivumelwano takho letisasebenta endzaweni yinye bese ukhipha emalanga lamatsatfu kuso ngasinye: lilanga lekukhokha lelilandzelako, lilanga lekuphela, kanye nelilanga lenkhokhelo yekugcina leyacoqwa.
  • Hlela tivumelwano ngelilanga lekuphela kusukela kulelisedvute bese ubona kutsi mingakhi letiphela emalangeni langemashumi layimfica lalandzelako. Loluhlu lwakho langempela lwemsebenti lwalenyanga.
  • Bhala indlela yetikweleti letisemuva ekhasini linye netigaba tayo, emalanga ayo kanye nekutsi ngubani lowenta sigaba ngasinye, bese uyamukela kubo bonkhe bacashi ngaphandle kwekuhlukanisa.
  • Beka lilanga linye ngeliviki lekubhala nekuhlanganisa tinkhokhelo kuze kube kubhalwa kwenteka ngekushesha: kuhleleka kwesikhashana kuncono kunekungahleleki kwaphakadze.
  • Bala inombolo yinye: kutsi nguyiphi incenye yetinkhokhelo leyacoqwa ngesikhatsi etinyangeni letintsatfu letendlulile. Leso sisekelo lotawulinganisa ngaso konkhe kuntjintjiswa lokutako.

Lokutako

Sesibeke umjikeleto wemali phezu kwemalanga netindlela letichaziwe. Incenye lelandzelako iya emjikeletweni lovikela budlelwane bakho nemcashi futsi lolondvoloze kubaluleka kwempahla: ticelo tekulungiswa. Kusukela ekubikeni kuze kube ekuvaleni, nemtfombo, iyunithi, kubekwa phambili, lotsetfwe umsebenti, tindleko kanye nekucinisekisa kwemcashi, nekutsi kungani kutibophelela kunyamalala nangabe umbiko usitfombe engcocweni yemfihlo.

Imitfombo