Uma ufuna ukuthenga iloli elincane kodwa udinga ukonga imali, ungakhathazeki! Kunezinketho ezimbalwa zezimali ezitholakalayo ezingakusiza ukuthi uhambe ngemuva kwesondo leloli lakho lamaphupho. Kulokhu okuthunyelwe kwebhulogi, sizohlola izindlela ezahlukene zokuxhasa ngemali ukuthenga kwakho, kungakhathaliseki ukuthi ufuna iloli elisha noma eselisetshenzisiwe.
Okuqukethwe
Izinketho Zokuthola Imali Zokuthenga I-Semi-loli
Amaloli amancane ngokuvamile abiza ngaphezulu kuka-$100,000, inani elibalulekile labantu abaningi abangalithuthukisa ngokuzimela. Kodwa-ke, kunezinketho eziningi zezimali ezitholakalayo zokuthenga iloli. Ungathola imali ebolekiwe yezimoto ebhange noma inyunyana yezikweletu, ufake isicelo semali ngomthengisi wamaloli, noma ukuqasha iloli ufuna.
Ukuthenga I-Semi-loli Elisha
Isinyathelo sokuqala sokuthenga i-semi-truck ukuthola umthengisi wamaloli ohloniphekile onikezela ngezimali. Ngokuvamile ungathola lolu lwazi kuwebhusayithi yomthengisi. Uma usuthole abathengisi abambalwa, sekuyisikhathi sokuthenga iloli elifanele! Uma usulitholile iloli lakho eliphelele, khuluma nomthengisi mayelana nezinketho zokuthola imali.
Abathengisi abaningi bamaloli banikeza izinketho zezimali ngokusebenza nebhange noma inyunyana yezikweletu ukuze bakutholele imali mboleko noma ngokukunikeza imali yangaphakathi. Ukuxhaswa ngezimali kwangaphakathi kulapho umdayisi ekunika imali ebolekiwe ngokuqondile. Kungaba inketho enhle uma unesikweletu esibi ngoba umdayisi angase azimisele kakhulu ukusebenza nawe.
Uma unquma ukuxhasa iloli lakho ngezimali ngomthengisi, qinisekisa ukuthi uthola yonke into ngokubhala, okuhlanganisa isilinganiso senzalo, izinkokhelo zanyanga zonke, nobude bemalimboleko. Futhi, qiniseka ukuthi azikho izimali ezifihliwe noma izindleko. Uma usuwaphethe kahle wonke amaphepha, sekuyisikhathi sokusayina kulayini onamachashazi bese ushayela iloli lakho elisha uye ekhaya!
Ukuqasha iSemi-truck
Uma udinga ikhredithi enhle, ukuqasha iloli oyifunayo kungenye inketho. Ukuqasha iloli kufana nokuqasha a imoto, lapho wenza izinkokhelo zanyanga zonke bese ubuyisela iloli ekupheleni kokuqashisa. Lokhu kungaba inketho enhle kakhulu uma udinga imali yokukhokha kancane. Kodwa-ke, khumbula ukuthi uma uqashisa iloli, uzoba nesibopho sanoma yimuphi umonakalo, ohlanganisa amazinyo, ukuklwebheka, nezinkinga zenjini. Qiniseka ukuthi ufunda imibhalo emihle ngaphambi kokusayina noma yiziphi izivumelwano zokuqashisa.
Izinzuzo Zokuba Umnikazi Weloli Elincane
Ukuba ne-semi-truck kuza nezinzuzo eziningi, okuhlanganisa:
- Ukuqala ibhizinisi lakho: ungasebenzisa iloli lakho ukuthutha izimpahla noma ukuhlinzeka ngezinsizakalo zokuhamba.
- Ukwenza imali eningi: Abashayeli bamaloli badingeka kakhulu futhi bangaziphilisa kahle. Ukuba ne-semi-loli kuyindlela enhle kakhulu uma ubheke ukuthola imali eyengeziwe.
- Ukuhlola izwe: Uma uthanda ukuhamba, ukuba neloli kuzokuvumela ukuthi uhlole futhi uthathe isikhathi sakho ukuze ubone zonke izinto ezitholakala eMelika.
Ingabe Ukuphatha I-Semi-truck Kunenzuzo?
Imboni yamaloli ibalulekile emnothweni waseMelika, ithutha izimpahla ezibiza izigidigidi zamaRandi unyaka ngamunye. Yize imboni ishaywe kanzima wubhubhane lwe-COVID-19, kusengenzeka ukwenza inzuzo ngokuba ne-semi-truck.
I-Cargo Transport Alliance ithi isamba esijwayelekile iloli ngalinye siphakathi kuka-$4,000 no-$10,000 ngesonto. Abanikazi babanikazi abangabanikazi bezinkampani zabo zamaloli futhi abaphethe imisebenzi bangathola umholo wamaviki onke wokuya nawo ekhaya osukela ku-$2,000 kuya ku-$5,000. Abatshalizimali abathenga futhi baqashise amaloli ezinkampanini zamaloli bangathola inzuzo kusuka ku-$500 kuya ku-$2,000 iloli ngalinye masonto onke. Yize kunezinselelo embonini yamaloli, asekhona amathuba okwenza inzuzo.
Izizathu Ezivamile Zokwehluleka Phakathi Kwabanikazi-Ama-Operators
Ukungaqondi Izindleko Zangempela Zokuqhuba Ibhizinisi
Esinye sezizathu eziyinhloko esenza abanikazi bamabhizinisi bahluleke ukwehluleka kwabo ukuqonda izindleko zangempela zokuqhuba ibhizinisi labo. Nakuba bengase bakwazi ukwenza inzuzo ngesikhathi esifushane, izindleko ezifana nokugcinwa kwamaloli, uphethiloli, nezinye izindleko eziguquguqukayo zingadla ngokushesha imali abayitholayo ngokuhamba kwesikhathi. Lokhu kungaholela ekuthathweni kwezinqumo ezingezinhle futhi, ekugcineni, nokonakala kwezimali.
Ukuze kugwenywe lokhu, abanikazi bamabhizinisi kudingeka babe nokuqonda okucacile kwezindleko zabo kanye nemali engenayo. Lokhu kuhlanganisa:
- Ukulandelela njalo izindleko zabo kanye nemali engenayo.
- Ukusebenzisa isoftware ye-accounting.
- Ukufuna iseluleko kochwepheshe bezezimali uma kudingeka.
Ukugwema I-Lifestyle Creep
Esinye isizathu esivamile esenza abanikazi-opharetha behluleke wukuhamba ngendlela yokuphila. Lokhu kwenzeka lapho indlela yokuphila yomuntu kancane kancane idlula iholo lakhe, okubangela ukuba asebenzise imali eningi kunaleyo angakwazi ukuyikhokhela. Isibonelo, umnikazi-opharetha othuthukisa iloli lakhe noma angene endlini ebiza kakhulu angabona kuphela umthelela walezi zindleko uma sekudlule isikhathi.
Ukuze ugweme indlela yokuphila enyakazayo, ukugcina imali yomuntu siqu neyebhizinisi ihlukene kubalulekile. Ukwengeza, kubalulekile ukwenza isabelomali futhi unamathele kuso, ugweme izindleko ezingadingekile.
Isiphetho
Abanikazi bamabhizinisi abaphumelelayo embonini yamaloli bayaqonda izindleko zokuqhuba ibhizinisi labo futhi bagweme indlela yokuphila enyakazayo. Labo abahlulekayo ukwenza kanjalo cishe bayozithola sebephelelwe yibhizinisi phakathi neminyaka embalwa. Uma ucabanga ukuba umnikazi-opharetha, cwaninga futhi uqonde izinselele ongase ubhekane nazo. Ngokuziqonda ngokucacile izindleko nezingozi ezihilelekile, ungazibeka ethubeni lempumelelo.
