5 Amanyathelo kwiNkqubo yokuGcina iiNkcukacha zoRhwebo eziSebenza

Inkqubo yeCCRRA - Ukuthathwa, Ukujonga, Ukuphonononga, Ukurekhoda, uMthetho

Mhlawumbi uye wakuva inqaku elithi "Udoti, Ilahlwaya." Le binzana, eyayisetyenzisiweyo kwi-computer hardware kunye nesofthiwe, isebenza ngecala lezezimali kwishishini lakho. Ukuba ufuna ukuphumelela, kuya kufuneka udale inkqubo yezemali ecacisa udoti kwaye oko kukunika ulwazi oluchanileyo noluncedo ukuze ubone indlela oyenzayo kwaye ngoko uyazi ukuba uza kuthatha isenzo kule nkcazelo.

Nazi iindlela ezinhlanu ezilula ekudaleni inkqubo elula yokugcina irekhodi yemali: Ukuthabatha, Hlola, Ukurekhoda, ukuHlola, uMthetho.

Okokuqala, FUNDA ulwazi.

Ukuba ayikho, ayikho. Njengoko uqala ishishini lakho, ungene kumkhwa wokubamba yonke into, ngoko iya kuba yinto echanekileyo. "Ukuthathwa" kunzima kakhulu, kwaye inxalenye ebalulekileyo yenkqubo; yimiba yokwenza umkhuba wokuqokelela ulwazi. Gcina yonke into oyisebenzisayo kwishishini lakho kunye nemali oyithathayo ngokuthengisa. Ungakhathazeki ngeli nqanaba malunga nokwenza nantoni na ngolwazi. Qiniseka ukuba yonke into oyithathayo ibandakanya (a) inkcazo yento, (b) isixa, kunye (c) nomhla.

Okwesibini, Hlola UQinisekisa ukuba iNgcaciso ichanekile kwaye ilungile.

Kwiiveki ezimbini, sebenzisa iyure uhamba nayo yonke into uze uyihlolisise. Khangela ubone ukuba zonke iinkcukacha onayo zikulungele ukurekhoda.

Qiniseka ukuba uquke umhla kunye nemali, kunye neenkcukacha ezaneleyo malunga neendleko zokuba ungayibhala ngokuchanekileyo. Umzekelo, inqaku elithi "iphepha, i-$ 3.55, 7/12" lingenakho ulwazi olwaneleyo. Liliphi iphepha? Ngaba le iphephandaba owawuthengayo kwiofisi? Okanye ngaba uthenge i-ream yephepha kwikhompyutha?

Hlela ixesha elithile lokuba uqeshwe kunye nawe ekupheleni kweeveki ezizezinye (zonke ezinye iLwesihlanu, umzekelo) ukujonga yonke into. Musa ukulinda ixesha elide; xa ulinde ixesha elide ukwenza oku, kunzima ngakumbi ukukhumbula nokuqokelela ulwazi.

Okwesithathu, RECORD uLwazi lokuLondoloza.

Ukurekhoda kuthetha ukubeka ulwazi lwakho lwezezimali kwifom esebenzayo. Emva kokuba yonke into ihlolwe, yibuyisele kumgcini-ncwadi ukuba ubhalise, okanye urekhode. Yenza le nyangazonke. Faka ulwazi kwi-spreadsheet okanye kwi-software ye-accounting. Unokufumana ukuba isofthiwe ye-intanethi isebenza kuwe, ngoko wena kunye nomgcini-ncwadi wakho unokubona ulwazi kwaye uxoxe ngalo. Qiniseka ukuba ufumana yonke into ebhaliweyo nyanga nganye, ngoko unokuyihlolisisa.

Okwesine, Qinisekisa kunye NOKUQONDISA ulwazi.

Emva kokuba ulwazi lwakho lwezezimali lurekhodwa inyanga nganye, phrinta ezine iingxelo:

• ishiti yokudibanisa izibalo
• isitatimenti sengeniso (p & l)
• ingxelo yokuguga ingxelo , kunye
• ingxelo ehlawulwayo.

Kulo ngxelo nganye, ziquka ukuthelekisa nenkcazelo efanayo yengxelo kwinyanga edlulileyo. Nika ingqalelo ekhethekileyo kwingcaciso ethile phakathi kwezi ngxelo.

Ekugqibeleni, UMTHETHO, ngokusekelwe kwizinto owaziyo.

Kwiimeko ezininzi, "UMTHETHO" unokuthetha ukuba ungenzi nto, ukuba yonke into ibonakala kakuhle.

Kwezinye iimeko, kunokuthetha ukuthatha utshintsho. Yakha "iingongoma zokuqala" apho ulwazi lukunyanzela ukuba wenze. Nazi ezinye iingongoma eziphakanyisiweyo:

1. Iphepha lokuBhalisa . Ukuba ubona iimfanelo zinyuka inyanga nganye kwiinyanga ezintathu (oko mhlawumbi kuchaza ukuba impahla kunye / okanye iindleko ziyakhula), nciphisa imali.
2. Ingxelo yeNgeniso . Ukuba ubona ukuba indleko ethile ikhula njengepesenteji yokuthengisa, zibuze ukuba kutheni ikhula. Ukuba ukongezwa kuyimfuneko, unokufuna ukunciphisa imali kwizinye iindleko, ukugcina inqanaba lakho lenzuzo.
3. IiNgxelo ezifumanekayo Ukuguga . Yiba nesigxina ekulandeleni abahlawuli abancinci. Xa ude uvumele ukuba ityala lihlawulwe, akukho nto inokwenzeka ukuba uya kufumana imali. Misela inkqubo yokuqokelela, njengoko ndithetha ngako ngasentla, ukuqinisekisa ukuba uhlawulwa ngokukhawuleza kwaye abahlawuli belixazileyo abasalayo ukuba bacinge ukuba awufuni imali yakho.

1. Akhawunti ehlawulwayo . Bhatala oko unokukwenza ngokukhawuleza kunokwenzeka. Zama ukuhlawula kwangethuba ukufumana izaphulelo. Ukuba awukwazi ukuhlawula zonke iindleko zakho, hlawula ezo ziza kukubangela ukuba uzenze izigwebo, okanye oko kuya kuphazamisa ukulinganiswa kwesikweletu sakho. Nangona omnye umntu unembopheleleko yokuhlawula iibhili, ungumntu ophethwe ngokuqinisekileyo ekuqinisekiseni ukuba akhokhelwa ngamatyala e-shishini.

Nangona ungaqhelani neenkqubo zezemali, kufuneka ukwazi ukumisela oku kuhamba kwaye ugcine usebenza. Inxalenye ebunzima kakhulu iqokelela ulwazi. Emva kokuba udale "umkhuba wokuqokelela," uya kufumana okunye uya kuhamba kunye nayo.

Khumbula, i- CCRRA-Fumana ulwazi lwezemali kwishishini lakho, Jonga rhoqo ngeveki enye, Bhalisa kwaye ubuyekeze ulwazi lenyanga, ngoko uMthetho njengoko kuyimfuneko ukugcina imeko yakho yezemali ihamba kakuhle. Ukuba ulandele le nkqubo elula yezintlanu, uya kunciphisa "udoti" kunye neengxaki eziza nazo kwaye uya kwandisa imeko yakho yezemali.

Inkqubo yemali ehlelwe kakuhle iya kugcina ibhizinisi lakho likwazi ukusetyenziswa ngemali kwiminyaka emininzi ezayo.