Ukucela imali kwisigulane esagulayo kwabanye abantu kubonakala kungenakuqonda, nangona kunjalo, kufuneka kuqondwe ukuba unyango lwempilo lubiza imali. Nangona ingaba yinto echaphazelekayo, ukuqokelela ukuhlawulwa kwangaphambili kwizigulane zakho kuyimfuneko ebalulekileyo ekufuneka iqwalaselwe.
Izixhobo ezahlukeneyo zezokwelapha zikhetha ukujongana nale ngxaki ebuhlungu kwiindlela ezahlukeneyo.
Nangona ukhetha ukujongana nokuqokelela izigulane, kubalulekile ukuqonda ukuba ukuqokelela iintlawulo zesigulane kubaluleke kakhulu njengoko kuqokelela iintlawulo ze-inshorensi.
Ukuze isibonelelo sakho sonyango siqhubeke nokukwazi ukubonelela ngononophelo lwempilo, kufuneka kube nenkqubo ekhoyo ukuqokelela ama- deductibles , iintlawulo zentsebenziswano kunye ne-inshurensi . Enye inxalenye yale nkqubo kufuneka ibandakanye ukuqokelela intlawulo phambi kweenkonzo ezinikezelwayo. Uxanduva lomonde lwenza ipesenti enkulu yengeniso eqokelelwa yiofisi yezokwelapha kwaye akufanele ithatyathwe.
Ukuphuhlisa umgaqo-nkqubo oqokelelweyo
Ukuchaneka kunye nokuhambelana kunye nenkqubo yokumisela nokuqokelela uxanduva lomguli kukubaluleka kumgaqo wakho wokuqokelela phambili. Isicwangciso sokuqokelela phambili siqinisekisa ukuba kukho inkqubo yokuba bonke abasebenzi balandele isigulane ngasinye.
Indlela ekhawulezayo yokunyusa ukuhamba kwemali kunye nokuphucula amaxabiso okuqokelela ukuqokelela uxanduva lwezonyango phambi.
Izigulane azithobekanga ukuhlawula okanye zinzima ukufikelela xa iinkonzo zenziwe. Esikhundleni sokulinda kude kube yinqanaba leqokelelo lomjikelo wenkcitho, ababoneleli kufuneka baxhamle ngokuxoxa ngemicimbi yezemali nokuqokelela iintlawulo zegulane kwangoko kwinkqubo.
Ukufundisa Iindlela Zokuqokelela ezifanelekileyo
Isinyathelo sesibini kukuqeqesha abasebenzi be-ofisi yezobugcisa kwiindlela ezifanelekileyo zokuqokelela intlawulo kwizigulane zakho.
Qiniseka ukuba baqonda ukubaluleka kokuqokelela imali. Iindleko zokunakekelwa kwezempilo zibiza kwaye zikhula. Ukuze uhlale uvulekele ishishini, kufuneka kwenziwe imizamo yokuqokelela imali evela kwiinkampani zomshuwalense kunye nezigulane. Ukufuna ukuba intlawulo ihlawulwe ngexesha leenkonzo zinikezelwa phantsi kwetyala elibi kwaye igcina indleko phantsi kwayo wonke umntu ngokukodwa kwizigulane.
Fundisa abaPhezulu beMfanelo yabo yezeMali
Isinyathelo sesithathu kukufundisa izigulane zokuxanduva lwabo lwemali. Izigulane ngabaxhasi bakho kwaye kufuneka baphathwe ngendlela enjalo. Akukho mntu onokuya kwisitolo sokutya, abeke ukutya kwinqwelo yakhe kwaye axele ivenkile ukuze ahlawule ngokuzayo. Le ngcamango efanayo kufuneka yamkelwe kwiofisi yakho. Ngaphandle kweemeko ezingxamisekileyo , izigulane kufuneka zikulindele ukuba ziya kucelwa kwaye zikulindeleke ukuba zihlawule isabelo sawo kwilwayo ngexesha leenkonzo zinikezelwa. Yazise izigulane ngaphambi kokuba zifikelele ukuba zeziphi iimbopheleleko ezixhomekeke kuzo kwaye zibenza bazi ukuba intlawulo iyadingeka ngaphambi kokuba iinkonzo zenziwe.
Uncedo lwezeMali
Okokugqibela, iofisi yakho yezokwelapha kufuneka ibe neprogram yothando okanye inkqubo yoncedo lwezemali endaweni yakho yezigulane zakho ezingagqithwanga okanye ezingagqithwanga.
Oku kuya kwenza ukuba indawo yakho inikezele ngononophelo lwempilo kwizigulane ezingenakho ukuhlawula iindleko ezipheleleyo ngaphandle kwepokothini. Unokukunceda izigulane ekufumaneni imithombo yoluntu okanye urhulumente ukuze uncede ukuhlawula iibhili okanye ukunika izicwangciso zokuhlawula inzala. Qinisekisa ukuba ucele idiphozithi okanye inkokhelo yokholo oluhle.
Ukongezelela, ukucebisa ngemali kunokunceda ukufumana ukufaneleka kwesigulane kunceda uncedo loluntu, ukunyamekela ngothando okanye izicwangciso zentlawulo, ezinokukunzima ukuzenza xa isigulane sele sefumene unyango. Le nkqubo iya kunceda ngokunciphisa umthwalo womsebenzi wokuhlawula kunye nokuphucula imizamo yokuqokelela.