Ezi ngcebiso ziyakwenza, izenzo zansuku zonke ongazithatha ukulawula imali yakho ngempumelelo.
1. Musa ukudibanisa neendleko zezoshishino nezindleko.
Kukho izizathu ezininzi zokungaxubeki iibhanki zakho kunye ne-akhawunti yakho, kubandakanywa nemiba yerhafu, uxanduva lomntu, kunye neengxelo zengxelo zengxelo, nje ukubiza ezimbalwa. Xa izinto ziqina, xhathisa umxhelo wokukhusela iimali zakho zoshishino ngeemali zakho ngenxa yokuba ngokuqinisekileyo kuya kudala udibaniso oluya kubakho ukujongana nexesha elizayo.
Indlela efanelekileyo yokugcina ukwahlukana ngokucacileyo kweendleko zakho kukubeka isabelomali somntu kunye nohlahlo lwabiwo-mali. Yibambelela ngokucacileyo kwaye ngokwahlukileyo ukwenzela ukuba amakhadi-mboleko kunye nemboleko kwi-shishini lakho angasetyenziselwa iimali zakho kunye nakwezinye izinto. Umgcini wakho wencwadi kunye nomgcini- akhawunti uya kukubonga ngokungayidli imali yamanzi xa kufika ixesha lokulawula iincwadi zakho kwaye uhlawule irhafu yakho.
2. Ncokola nabathengisi ngaphambi kokuba usayine isivumelwano.
Ngamanye amaxesha ufanele ukumbe umncinci ngenjongo efanelekileyo. Xa uthengisa kubathengisi okanye uvumelwano kunye nabathengisi, zama ukuthetha ngokubhekiselele kwingxelo engcono.
Ungakulibali ukuhlola imigaqo yokuthenga njengeentlawulo zentlawulo emva kwexesha kunye nexesha lobabalo xa usenza isigqibo. Ngamanye amaxesha unikezelwa iintsuku ezingaphezulu ezingama-30 ukuhlawula kunokukugcina ngaphezu kwe-5% isaphulelo ukusuka phezulu.
3. Bhatala iindleko zakho ngexesha, rhoqo.
Kanye njengoko wenzayo ngeemali zakho, kubalulekile ukuba uhlawule ngokuzikhupha zonke iibhili zeshishini lakho.
Ikhadi lokuthenga ngetyala kunye nokuhlawulwa kwemali emva kweemali kunokukhawuleza kukuhlawula imali, kodwa ukuhlawula imali encinci yeemali kumthengisi kunye neendleko zesebenzisiwe ngokuqhubekayo, ngokunjalo. Oku kufana neentlawulo: ukuhlawula ixesha elide kungabangela izigwebo ezinzulu.
Hlela izikhumbuzo zenyanga ukuqinisekisa ukuba akukho zindleko zoshishino eziwela kwiintluko. Amashishini amancinci ngokukodwa, i-benefit-loss losses. Ukuphepha ukuhlawulwa kwemali kungekudala umahluko phakathi kokuphela konyaka obomvu okanye kumnyama.
4. Yenza umonakalo umkhwa.
Akukufuneka uguqule kwi-couponer ekhuselekileyo ukugcina imali kwiindleko zorhwebo eziqhelekileyo. Landela ngeposi-kwii-offer rebate izixhobo zeofisi kunye nezinto zokuthenga, thengisa ifenitshala kunye nezixhobo eziphambili, kwaye uhambe uhlaza ukuze ugcine imali kwizinto ezisetyenziswayo.
5. Zichithe ixesha elithile kwiklasi yokubhala ingxelo.
Ukuba ngumnini-mncinci womnini-mveliso akenzi ngokuzenzekelayo ukuba wenze i-whiz ngemali, kodwa kuya kufuneka usenze izigqibo ezinkulu ezinxulumene nemali kwinkampani yakho. Ngoko ke ukuba uqeshe umgcini-ncwadi okanye usebenze kunye nomgcini-mali, kufuneka ukwazi izizathu ze-accounting accounting. Thatha iNgqungquthela kwi-Akhawunti ye-Accounting kwi-intanethi okanye kwikholeji yakho yasekuhlaleni ukuba ufuna, kwaye ufunde indlela imali ehamba ngayo nakwi-shishini lakho elincinci.
Xa uqonda ngakumbi iimali zakho zezoshishino kunye nokuhamba kwemali, ulungele ukulungelelanisa ukuba uza kwenza izigqibo zokulawula imali. Kwaye, ngelixa ezi ngcebiso ziza kuqaliswa, akukho nto ithatha indawo yokusebenza kunye nezandla xa kuziwa ekulawuleni imali yakho-kungakhathaliseki ukuba zinzima kangakanani okanye zincinci umngeni wezemali.