Iyini imali engenayo: izinhlobo kanye nobuhlobo

Emkhakheni wezezimali, igama elithi "imali engenayo", elisetshenziswe ngezincazelo ezihlukahlukene, lithole isicelo esiphezulu kakhulu. Impendulo ethandwa kakhulu kunombuzo mayelana nokuthi yiyiphi imali engenayo, kanje: lokhu kungukugeleza okuvamile kwemali kusuka kumsebenzi. Izinzuzo zemali zesikhathi samanje zivumela izinhlangano zomnotho ukuba zenze noma zisebenzise imali yokwandisa ukuchuma esikhathini esizayo. Ngokwesicelo semali engenayo, kunezinhlobo ezahlukene: ezingeni likazwelonke, imali engenayo kazwelonke; Inzuzo yebhizinisi (ekulawulweni kwezinhlangano ezingokomthetho) kanye nemali engenayo yendaba yomsebenzi wezomnotho, lowo muntu uyedwa.

Inani lemali engenayo

Iyini imali engenayo kahulumeni? Lena yinzuzo kazwelonke, enqunywa uhlobo lokubonakaliswa kobudlelwane bezomnotho obuvela phakathi kwezinhlangano zezomnotho ekusebenzeni kwesabelomali sesifundazwe. Isikhwama sesabelomali sigcwaliswa njengomphumela wokuthola izinhlobo ezahlukene zokukhokha izinhlangano zezomnotho kanye nomphakathi.

Iyini imali engenayo yendlu? Lo mbuzo uvame ukuthakazelisa hhayi kuphela ochwepheshe emkhakheni wezomnotho, kodwa futhi nabesifazane abajwayelekile. Imali engenayo yomuntu ibhekisela ekuphumeni kwezimali kwezimali zasendlini ezitholwe noma ezikhiqizwa yimindeni esikhathini esithile. Zihlukaniswe zibe yizinhlobo ezine eziyinhloko, kuye ngokuthi umthombo wemali engenayo: inkokhelo, inzuzo evela emabhizinisini noma eminye imisebenzi yezentengiselwano (ukutshala izimali, ukugcinwa kwemali), ukukhokhelwa izinkokhelo (izifundiswa, izimpesheni kanye nezinzuzo zokungasebenzi) kanye nezinzuzo ezitholakala emisebenzini engahlelekile. Imali engenayo yomuntu ihlukaniswe ngamaqembu amabili ethize: imali engenayo yomuntu nomndeni.

Umuntu siqu - lena yindoda yomuntu othize enezidingo nemigomo. Izimali zemindeni ziqonda uhlelo lokubunjwa nokusetshenziswa kwezimpahla zezimali zeqembu labantu abahlanganyela ebhizinisini elihlangene futhi baphishekele imigomo ejwayelekile. Kuleli qembu, okokuqala, kubalulekile ukufaka umndeni.

Ukuchaza ukuthi yiyiphi imali engenayo, ngokuvamile kubonakala ngenzuzo yebhizinisi, njengoba yenza enye yemisebenzi ebaluleke kakhulu yezimali - ukwakheka kwezimali zemali. Imali iyabonakala ingeniso eyithinte ukwanda kwezinzuzo zomnotho ngenxa yokuthengwa kwezimpahla ezibonakalayo, ikakhulukazi ukheshi kanye neminye impahla, kanye nokwehliswa kwezikweletu ngenxa yokunciphisa izibopho zemali, okubangela ukuthi kuthuthukiswe inhloko-mgomo yezomnotho. Ukwamukelwa kwemali ebhizinisini kubalulwe yiKhowudi Yentela, lapho kuthiwa amaresidi ahlonishwa ngesikhathi esenzeka ngaso.

Indima yokuphendula

Ukuze kusetshenziswe ngokuphumelelayo kwanoma yimuphi umsebenzi, imisebenzi yebhizinisi nemisebenzi yasemakhaya, ukulawula okugcwele nokuphendula okudingekayo kuyadingeka. Ukwaziswa okuthembekile mayelana nezihloko zokulingana kwebhizinisi yiyona nto ebaluleke kakhulu ekusetshenzisweni kwemali okunengqondo kanye nenzuzo enkulu emisebenzini yezohwebo. Ukubheka imali ngemali yezinhlangano kwenziwa ngabathengi abaqeqeshiwe - i-akhawuntiant, imisebenzi yokubalwa kwemali yezimali eziqondene nomuntu siqu eyenziwa ngumnikazi ngokwakhe. Kumele kuqashelwe ukuthi ukubalwa kwezimali zomuntu siqu kuyisici esibalulekile sokugcina indlu. Ukusebenzisa kanye nokulawulwa kwezimali kuphela kuvumela ukwanda kwenhlalakahle. Ukubika ngezimali zemali yamarisidi kuhilela uhlelo lokuhlela, ukuhlela, ukurekhoda nokuhlaziywa.

Ukuphenya ngemali yemindeni namabhizinisi, kufanele kuqashelwe ubudlelwane babo nemali engenayo yombuso. Ubuhlobo buhlanganisa ekubambeni kwemithombo yemali yomuntu siqu ohlelweni lwemali engenayo kazwelonke jikelele. Ukuthola isabelo sabo ngendlela yeholo, inzuzo emisebenzini yokuhweba, ukukhokha intela nezinye izinkokhelo eziphoqelekile, abantu bahlanganyela ekubunjweni kwengeniso kazwelonke. Ngokusekelwe kuloluhlulelo, umuntu angacabanga ngemali engenayo yabantu njengengxenye yesistimu yezimali yezwe.