Ukuthatha iDra kwiBhizinisi Lakho
Umdwebo womnini, ngokuqhelekileyo kuthiwa "udweba," ngumlinganiselo owenziwe ngumnikazi wecandelo loqobo okanye ubambiswano ekusebenziseni kwakhe. Kubizwa ngokuba ngumdwebo, kuba imali ithathwa kwi shishini. (Kwixesha elidlulileyo, le ntlawulo ingabizwa ngokuba yi-brafti yebhanki.) Ezi zintathu iintlobo zabanikazi boshishino abazithathayo zizo:
Ziziphi iibhangi zoshishino ezithatha umdwebo?
Abanikazi bamashishini amancinci abawuthathi umvuzo, kuba bengabasebenzi.
Iindidi zabanini-shishini abathatha umdwebo ngabanini-propati kuphela, amaqabane ekusebenzisaneni, kunye nabanikazi (abizwe ngamalungu) ezinkampani ezinobunzima.
Umnini-shishini oqeshwe ngokuzimeleyo akaqhelekanga athathe umvuzo. Kunoko, wenza utyalo-mali lokuqala ( igalelo eliyinkunzi ) kwishishini esuka kwiimali zomntu kunye nexesha loshishino lithatha imali njengokudweba kunye nokutshala imali emininzi, kwiingeniso okanye kwi-savings.
Abanikazi bamashishini bathabatha umdwebo ngokubhala isheke kwi-akhawunti yebhanki yebhanki. Ngenxa yeenjongo zokubala, umdwebo uthathwa njengesigxina kwi-akhawunti yabo yobunikazi, okubizwa ngokuba ngumlingani.
Ziziphi iindidi zabashishini abathatha imidwebo?
Kwezinye iimeko, abanikazi boshishino abaziqheliselayo banokukhetha ukuba bathathe umdwebo okanye umvuzo, kuxhomekeke kwiimeko zerhafu.
Ukuba usebenza ngokuzenzekelayo, hlola ngumphathi wakho werhafu ngaphambi kokuthatha umvuzo kwi shishini lakho.
Kutheni Abanini beeNkampani bengenzi iDraw?
Abanikazi beenkampani banabani-nxaxheba, kwaye bathabatha imali ngaphandle kwenkampani njengenzuzo . Ukuba umnini-nkampani usebenza kwenkampani, uthathwa njengomqeshwa, kwaye uyahlawulwa umvuzo womsebenzi owenziweyo.
Iyakwenza njani Ukuthintela umnini-shishini?
Ukudweba komnikazi kunciphisa i- akhawunti yenkampani yomkhulu. Le ngxelo kwikharityhulam yebhanki ibonisa inani elibekwe ngumnini kulo shishini, ixabiso elincinciweyo elithathwe kwi draw, nangaliphi na ixesha ngexesha.
Ukuthatha umdwebo ovela kwishishini, ngokuqhelekileyo isheke libhalwa kwishishini ekukhangela i-akhawunti kumnini kwaye lifakwa kwi-akhawunti yomntu.
Qinisekisa ukuba uhlalutye ishishini kunye nokuchitha imali. Umgca womnini kufuneka abe yindawo kuphela apho umntu kunye nezoshishino zidibanisa.
Ukuthatha umdwebo awuchaphazeli irhafu yomnini, kuba ayikho imali engenayo. Enye ingalunganga ukuthatha umdwebo: Ngenxa yokuba ukudweba kungabonakali kwirejista yakho yerhafu yezorhwebo, awunayo ingeniso yokubonisa iimali-mboleko zakho okanye iinjongo zokubolekisa ekhaya.
Ingakanani Umdwebo onokuyithatha Umnini-shishini?
Umnini unako ukuthatha umdwebo omkhulu njengoko ufuna, nangaliphi na ixesha. Kakade, kufuneka kube nemali kwishishini ekukhangela i-akhawunti ekhoyo ukuba ihoxiswe. Abanye abanikazi bamashishini bathatha umdwebo wenyanga, njengomvuzo. Ngexesha lokuqalisa kweshishini, kuqhelekile ukuba umnini angathathi umdwebo de kubekho ishishini elinomthombo ophumayo.
Kungenxa yokuba ibhizinisi lakho linenzuzo kumaphepha akuthethi ukuba unayo imali eyaneleyo ebhankini.
Ngaphambi kokuba uthathe udweba, cinga ngeemfuno ezifutshane kunye nexesha elide ngemali ezayo kwishishini lakho. Ukuba uthatha umdwebo inyanga enye, kwaye unayo imali eyaneleyo yokuhlawula umrhumo werhafu okanye wenze inkokhelo yakho yokuqeshisa okulandelayo, ungangena kwiinkathazo zemali ngokukhawuleza.
Ekuqaleni kwezo shishino, unako ukukwazi ukuthatha umdwebo kuyo yonke into, kuba yonke imali yakho ekhoyo iya kufuneka ukuba uhlawule iibhokhwe ade ufumane ingeniso yenkcitho yakho kwiindleko zakho. Ukubeka uhlahlo lwabiwo-mali oluqinileyo kwaye ungasebenzisi imali kuze kube yilapho usoloko uluvo oluhle.
USusan Heathfield waseTheBalance unezikhokelo zexesha xa ungathatha umdwebo kwi shishini lakho kunye nokuba ungathatha buninzi.
Iyakwenza njani Ukuthintela Inzuzo Yoshishino?
Ingakanani umnikazi webhishini ophuma kwishishini njengoko umdwebo awunanto ithintela kwingeniso yoshishino.
Umdwebo wabanikazi ayikho indleko yoshishino kwaye amanani athatywayo awanako ukuhlawula irhafu kwishishini. Umdwebo wabanikazi akahlawulwanga nomnini-shishini.