Gwema ezi Zithintelo zezeMali Xa uqala iBhizinisi
Abanini-ntengiso banamathuba okujonga yonke imida yokunyusa imida nokufumana izinto ezintsha malunga bobabini kunye namashishini abaxhalabele.
Ziyinkcazo enkulu kakhulu, bavavanya umda wabo oqingqiweyo, bawela imida, kwaye baya ngomkhumbi kumanzi angatshatyalaliswa. Oku kubangelwa ukuthatha umngcipheko kuvela kumbono we-entrepreneur of mind that often prevents the risk with the opportunity.
Nangona kunjalo, ukuzimisela okufanayo ukuthatha iingozi ngokuqhelekileyo kubenza ukuba banokukwenza iimpazamo. Futhi ngokusekelwe kum namava am namava ngokukhula kwoshishini langasese ngelixa sisebenze ixesha elizeleyo, senza iimpazamo ngexesha lonke. Enyanisweni, oosomashishini abanamkelekileyo behlabathi bahlala banokungaphumeleli kangako njengempumelelo kwikhosi yabo.
Ezinye iintsilelo kunye neempazamo zincinci kwaye zingalungiswa kwi-fly. Kodwa abanye-ingakumbi abo banenkxalabo ngemali-banokutshisa ngokutsha indlu. Isizathu esikhulu sokuba kutheni uninzi lwabaqalayo luphelelwa yiminyaka embalwa yokuqala yokusebenza. Ukuhamba kwemali ngokukhawuleza kuyomile, iindleko ezinkulu ezingalindelekanga, okanye ukuhlawula ngokukhawuleza kwetyala kuye kwaziwa bonke ukuba balethe amashishini amatsha athembisayo.
Ngokusekelwe kumabini am namava kwamashishini amashishini, nantso iiphoso ezinkulu zeemali zorhwebo abanamashishini abahlala benzayo-nendlela yokuziphepha kuzo zonke iindleko.
Ukungabi nezoBuchule ezahlukeneyo kunye neeNkcazo zaBantu
Akukho ndlela emfutshane kule ngxaki. Nangona uzibetha ngokwakho njenge-solopreneur okanye i-freelancer, awukwazi ukuhlawula iikona ekugcineni imali yakho .
Uya kuhlawula ixabiso emva koko-ndifunde lo mbuzo ngokwam.
Ungayihoyi i-call of convenience kwaye uzibophe ekwakheni ukugcinwa okuhlukeneyo, ukujonga kunye neakhadi zekhadi lesikweletu ngaphambi kokuba uqale ukuqokelela imali evela kubathengi abahlawula. Ukwenza oku okulungileyo ekuqaleni kuya kwenza kube lula ukwenza uhlahlo lwabiwo-shishini lwakho, cwangcisa uqikelelo lwerhafu lwekota (e-US) kunye nesabelomali kwiinyanga ezingalindelekanga ezinokuza kwenzeka.
Ukuba nee-akhawunti zebhanki kunye neentengo zemali-mboleko ziyakuvumela kwakhona umfanekiso ochanekileyo wezoshishino zakho zezemali ngokuthintela ukungena phakathi kwezinto ozifumanayo kwaye uchithe kwaye yintoni na ishishini elenzayo kunye neendleko rhoqo ngenyanga. I-IRS iphinda isebenzise imigaqo enzulu kakhulu ngokuchasene nokusetyenziswa kakubi kwemali yezoshishino, kwaye unokuwela kalula kwindawo yokungenisa irhafu xa unganakanga.
Ukuba nezoshishino ezahlukileyo kunye nokujonga i-akhawunti kuya kuba bhetele kukukhusela ukuba ungalonakalisi umlinganiselo wakho wekhredithi ukuba ishishini lakho lithatha ixesha elizayo.
Okona kubaluleke kakhulu, ukuhlula i-akhawunti yakho kunye neakhawunti yakho siqu kukukhuthaza indlela eyahlukeneyo yengqondo yokucinga malunga nendlela izinto zezoshishino zakho zibe ngayo ebomini bakho. Yonke idola lakho ishishini elifumanayo akufanele lihambe ngqo kuwe ukuba utyalomali ekukhuliseni inkampani yakho nokwakha ikusasa elinamandla.
Ukuba neakhawunti eyahlukileyo kuya kukunceda ukuba ungabonakali kwezo zigcawu.
Ngokukhawuleza Ukwenza Iintengiso Ezinkulu Kwishishini
Xa uqala ishishini elitsha, kuyaqondakala ukuba ufune zonke iipottops ezintsha, i-website ecocekileyo, iofisi ehamba phambili, i-software ehamba phambili kunye nabasebenzi abanet talente kakhulu ukukunceda ukukhula kwenkampani.
Nangona kunjalo, ukuba ufuna ukuthenga izinto ezinkulu (nangona zivakalelwa njengotyalo-mali) ngasekuqaleni kwebhizinisi lakho, cinga ngezigqibo ngokucokisekileyo. Ezinye iindleko ezifana nokwakha i-website okanye ukuya kwi-show show yezorhwebo iya kuba yinyanzeliso kuxhomekeke kuhlobo loshishino oluqalayo, kodwa kufuneka uhlale uzibuza ukuba ixabiso lemibuzo liya kukunceda uvelise imali engaphezulu kwi-short- kwexesha.
Ezinye iindleko ezinjengeenkampani ezithandekayo, ukuhamba kweqela, kunye nezixhobo zobuchwepheshe ezingabalulekanga ekukhuleni kwenkampani yakho zinikeza uncedo olungundoqo kwizantsi lakho.
Ukuba awukwazi ukuhlawula okubhaliselwe kwi-platform ye-CRM ethandwayo, hamba enye yexabiso elikhululekile okanye elingaphantsi. Yenza ngokubhekiselele kuncinci. Ukuba ukuqeshwa kwabasebenzi abaqhelekileyo akukufikeleleki, khangela abaxhasi abanamakhono kwiiplatifti ezifana ne-LinkedIn ProFinder okanye i-Upwork. Khulisa ishishini lakho kuqala kwaye uqokelele umgangatho ophezulu wekheshi elahliwe ngaphambi kokuchitha "kwi-nice-to-haves."
Ukwenza Ukuthenga Okukhulu (Njengemoto)
Nangona udibanise ii-akhawunti zakho zobuqu kunye nezoshishino, iziganeko zivame ukukhupha ukuba udibanise kwiimali zakho zemali ukuze uhlawule imfuno yoshishino, njengokwandiswa kwi-niche entsha okanye umkhankaso wokuthengisa othembisa ukubuyisela ukubuyela okuphezulu IKHAMPANI.
Ngethuba lonyaka wokuqala weshishini lakho, kukho ezininzi iimpawu ezingaziwa kunye namathuba okufunda angalindelekanga aya kuza. Inyani le nto kukuba uya kutshitshisa ibhulogi. Uza kuba neentsilelo-kwaye ezinye zazo ziza kuhamba nexabiso elikhulu kwixabiso.
Ukuba uthe wagijima waza wathenga imoto, ikhaya okanye enye iindleko ezinkulu zakho kunye nebhizinisi lakho linento engalindelekanga ebonisa ukuba awuyi kukwazi ukuzihlawula ngenyanga ezayo; awukwazi ukuhlanjululwa kunye neendleko ezingaphezulu kweendleko zakho. Yiba nzima kunokwenzeka kwizoshishino kunye nobomi bakho bomntu ngelixa ukhula inkampani yakho entsha.
Ukufumana i-Matyala ekhadi lesikweletu kunye nokulindela iRevenue Revenue
Iseluleko esilungileyo nesinyanisekileyo sokuba ungalokothi ubale amaqanda akho ngaphambi kokuqhankqalaza ukuhlakanipha kwezezimali okungapheliyo.
Kungoko ukusetyenziswa kobuqili xa kuziwa kumakhadi-mboleko. Nangona usebenzisa amakhadi ekwereti ngokufanelekileyo isenzo somsebenzi esivamile, kwakhona kukubeka emngciphekweni wecala elincinci xa ungeyena umgca wakho we-credit line.
Ngenxa yokuba amakhadi enkoleko ayilungele ukusetyenziswa, abaninzi abanini-shishini bebhanki abahluleki ukubona ukuba baxhamla indleko zabo kwaye bafaka iindleko zenzalo xa bebasebenzisa ukuba bathengise umgca wabo wekhredithi kwaye abayihlawula ibhalansi epheleleyo inyanga nganye.
Uninzi lweengcali zijonga ukusetyenziswa kwekhadi lokuthenga ngetyala elingenakutyala njengemali yezobubi . Ukuba ufuna ukulungelelanisa, sebenzisa ikhadi lokutshintsha.
Ukungalondolozi ixesha leNtsholongwane kunye noxinzelelo
Ukusuka kuBenjamin Franklin ukuya kwiingcali eziphambili zezimali zanamhlanje, akukho nqongophala yabantu abakuxelela ukuba ugcine isitoreji esaneleyo sokugcina iindleko ezingalindelekanga.
Yibize ngokulondolozela usuku lwemvula, kodwa kuya kubakho amaxesha apho kwenzeka okuthile kwaye ifihla iindleko usebenzisa ikhadi lakho lekredithi isisombululo esingahambi kakuhle esilula nje ukudala iingxaki ezininzi phantsi komgca. Abaninzi bamacwangcisi bezezimali bacebisa abatyhishini ukuba bagcine ubuncinane iindleko zenyanga ezintathu kwiinkcitho ezingxamisekileyo okanye kwi-fund for their business and expenses.
Ayilungiselele Imithwalo yemfanelo ezayo
Iindidi ezahlukeneyo zamashishini anemibandela eyahlukeneyo yentlawulo karhulumente kunye nekarhulumente, evumela oorhulumente ukuba bahlawule iimali kunye neenkqubo ezixhamla abemi.
Nangona kunjalo, emva kokuba usebenze ixesha elizeleyo ngaphambi kokuba uqalise ishishini lakho, umqeshi wakho uza kukunika ifomu ye-W2 elula yokumisela yonke into xa kufika ixesha lokufakela irhafu yakho yentlawulo. Ngoku ukuba usebenza ngokuzimeleyo, unembopheleleko yokuthatha inyathelo kunye nokuhlawula iimbopheleleko zakho zerhafu ngokupheleleyo kulo nyaka.
Njengomntu oqeshwe ngokuzimeleyo okanye iqumrhu, kufuneka wenze inkokhelo eqikelelweyo yenyanga nganye kwi-IRS ukuze ungabandakanyekanga kunye ne-bill enkulu yentlawulo ezayo ngo-Apreli ngamnye ngonyaka, kwaye ukubala ngokuchanekileyo oku kufuna ixesha kunye nomzamo. Cwangcisa ngoku, njengoko ngoku ngoku nje yincinci yokuba usomashishini.
Ukubekwa iBhajethi ecacileyo kwiShishini lakho
Ukuba kubi kakhulu kunokwenzeka, unokukwazi ukuqhuba ishishini lakho ngaphandle kwesicwangciso esicacileyo sekamva, kodwa uya kuba nexesha elinzima kakhulu ukuphumelela ngaphandle kohlahlo lwabiwo-mali oluncedo ukusikhokela oko unakho kwaye unako ukuhlawula ukuchitha ngenyanga.
Njengomsekeli kunye nomphathi, umsebenzi wakho ukuqhuba ishishini lakho elitsha ngokubhekiselele kwinzuzo, kwaye unokwenza oko kuphela ukuba uhlahlo lwabiwo-mali olucwangcisiweyo lokusebenza, ukuthengisa kunye nezinye iindleko. Ukuba nesabelomali esicacileyo kwandisa uqeqesho lwezemali kwaye icacise indlela yokuhamba kwoshishino.
Imibuzo Yakho Imali
Kulula kakhulu ukulahlekelwa yimali kunokuba uzuze.
Nangona isigqibo esisodwa sezemali sinokubangela ukuba ishishini lingaphumeleli, ukungaphumeleli kaninzi kunokulandelelana kwezigqibo ezimbi kunye neempazamo zezemali. Unokuziphepha ezi mpazamo ngokunika ingqwalasela engakumbi kwiinkcukacha zakho zokuhamba kwemali kunye nomsebenzi wonyaka.
Cwangcisa uhlahlo lwabiwo-mali, ulandele iindleko zakho, ugcine iimeko ezikhawulezileyo, gcina imigca phakathi kwezoshishino kunye nokucacileyo, kwaye uhlale ucinga ngeendleko malunga nendlela abaza kuvelisa ngayo imali yengeniso yenkampani.