UkuCwangcisa, ukuLawula kunye nokuPhononongwa koMsebenzi
Cwangciso
Isabelomali sixhobo sokucwangcisa esiyimfuneko sokwakha isakhelo seshishini lakho kunye nemali yalo. Ukudibanisa iindlela ezidlulileyo kunye nokubonelelwa kwangaphambili kunyaka-mali, uhlahlo lwabiwo-mali lunikeza umbono ocacileyo weempahla, izinto ezilindelekileyo zengeniso yemali, kunye nendlela enokulingana ngayo neendleko zakho ezilindelekileyo.
Uhlahlo lwabiwo-mali lukunceda ekusekeni iinjongo nokuseka izinto eziphambili. Uhlahlo lwabiwo-mali lufanele ukuba iinkcukacha ziza kuvela phi ukuxhasa amacebo amatsha kunye nenzuzo engabonakaliyo ngokuphumeza izicwangciso ngempumelelo. Izinto ezisetyenziselwa ukulawula imali engaphezulu okanye ukuvelisa imali engaphezulu zizinto eziphambili kwizinto eziphambili, kwaye ezinokubakho isikhumbuzo esihle ngesicwangciso sakho sonke xa wenza izigqibo.
Uhlahlo lwabiwo-mali olufanelekileyo lufanele luphule ingeniso kunye neendleko ezilindelekileyo ngenyanga okanye ngekota, kuxhomekeke kubukhulu boshishini lakho, kufuneka libandakanye uhlahlo lwabiwo-mali oluhlukeneyo kwisebe ngalinye.
Ezi bijethi zeSebe kufuneka ziphulwe phantsi ngenyanga okanye ngekota, kunye kunye ziya kubuthana ukuze zenze uhlahlo lwabiwo-mali .
Amashishini athembele kakhulu kwingeniso yokuthengisa yonyaka ayenomzekelo omhle wokuba kutheni ibhajethi ibaluleke kangaka. Ukuba iinyanga zikaJuni, ngoJulayi, ngo-Agasti noDisemba zivame ukuvelisa i-75 ekhulwini kwerhafu yakho yebhankini, uhlahlo lwabiwo-mali luyakuvumela ukuba uhlele phambili ukuze ube neqhinga elihle lokusasaza loo ntlawulo ngempumelelo kwixesha elipheleleyo Unyaka ongaphelelanga.
Ukucwangcisa kwakhona kufuneka kulandelwe iimfuno zexesha elide. Ngokomzekelo, ukuba ulindele inkcitho enkulu enye okanye emibini iminyaka phantsi kwendlela yokuphucula ikhompyutha, yinto efanelekileyo ukuqala uhlahlo lwabiwo-mali ngale mali.
Vavanyo
Ukongezelela ekubeni yingxenye ebalulekileyo kwinkqubo yocwangciso, uhlahlo lwabiwo-mali luyimfuneko ukuvavanya ukusebenza kwenkampani yakho ngaphezu kwexesha lonyaka-mali. Icandelo lohlahlo lwabiwo-mali ngokulandelelanayo kukulandelela ingeniso yangempela kunye neendleko nokuzifanisa noko kuhlahlowe imali. Oku kunceda ukuqinisekisa ukuba ibhizinisi lakho linamathele kwizicwangciso zalo, kodwa uhlahlo lwabiwo-mali lubonelela ngeendlela ezibalulekileyo zokuchonga iingxaki namathuba.
Ngokomzekelo, ukuba kuthengiswa kwikota yokuqala kuncinci kunokuba ubeke uhlahlo lwabiwo-mali, uyazi ukuba kuya kufuneka ufumane iindleko zokunquma kamva kunyaka-mali ukuze uhlale unenzuzo. Umzekelo omhle unokuthi uthengise umkhiqizo omtsha ogqithisa ukulindela. Ngokulandelela le ndlela kwaye uyayithelekisa noko kuhlahlowe imali, uya kukwazi ukuba unengeniso eyongezelelweyo ukuze uhlaziye uhlahlo lwabiwo-mali kunye nezicwangciso zokwandisa imveliso okanye uqeshe abasebenzi abongezelelweyo ukusingatha ibhizinisi elongezelelweyo.
Inkxaso
Imbali yokubhala isandi, uhlahlo lwabiwo-mali kunye nokunamathela kubo lunokunceda ukubonisa ababolekisi okanye abatshali-mali abanokukwazi ukuphuhlisa isicwangciso soshishino kunye nokwenza ukuba lusebenze.
Ababoleki kunye nabatyalomali ngokuqinisekileyo baya kufuna ukumba ngokugqithiseleyo kwiimali kunye nembali, kodwa ukuba ababonanga ubungqina benkqubo ehlahloleyo yohlahlo lwabiwo-mali, oko kunokuba nokwanele kweflegi ebomvu ukuyiyeka.
Ukuba uvula ibhizinisi elitsha kwaye unomlando omncinci okanye ungabikho mnye, kufuneka uyenze ngenxa yokungabi naso kwirekhodi lomzila kunye nenkxaso epheleleyo ebhajethi yakho. Oku kuthetha ukuqhuba uphando kwimarike kwaye ubonise indlela izinto ezidlulileyo okanye mhlawumbi ezingabikhoyo kwishishini zixhasa amanani owenzayo. Olu hlobo lokuqwalasela iinkcukacha lunokukunceda uqwalasele ngokucacileyo kubaboleki okanye abatyala-mali.
Abasebenzi
Nokuba amashishini amancinci nabasebenzi abambalwa kuphela kufuneka baqinisekise ukuba basebenze ngokufanelekileyo ukubhala nokugcina uhlahlo lwabiwo-mali. Ukuba, ngokomzekelo, unayo kwaye usebenze i-cafe encinci, unokufumana imenyu ekhethekileyo kunye nodumo lwenkonzo yamakhasimende asemgangathweni, kodwa oko akuthethi ukuba ungumfundi wezezimali.
Ukuba ukuqeshisa umntu ozeleyo ukuphatha iincwadi zakho akunakwenzeka, qwalasela uncedo lwexeshana okanye usebenze kunye nenkampani yangaphandle yokubonisana, ngokukodwa ekuqaleni nangonyaka xa kufika ixesha lokubhala ibhajethi entsha yonyaka ozayo wezimali. I-SCORE, inxulumene ne-US Small Business Administration, yenziwe ngokubanzi ngamabolontiya abaneemvelaphi kwizorhwebo nakwiimali ezibonelela izikhokelo kunye neengcebiso kumashishini amancinci. Oku kunokuba luncedo xa usanda kuqalisa okanye xa ujongene nomngeni omkhulu. Ukongezelela ekuncediseni uhlahlo lwabiwo-mali okanye ezinye iingxaki, kunokukunxibelelana nezinye izixhobo kwindawo yakho.
Software
Ezinye zezixhobo ezifanelekileyo zokubhala uhlahlo lwabiwo-mali kunye nokunamathela kwiinkqubo zesoftware, kwaye ziya ngaphaya kweMicrosoft Excel okanye ezinye iiprogram ze-spreadsheet. Iinkampani ezifana ne-Quicken zinikeza iinkqubo zeprogram ezithengiweyo zokufumana imali kunye neendleko zokulandelela. Kwakhona, sele usenokuba usebenzisa i-PayPal, i-Square, okanye ezinye iinkonzo ezifanayo kwi-intanethi kunye ne-point-of sale (POS), kwaye njenge-Quicken, banikezela izixhobo zokubhala ibhajethi kunye neengeniso zokulandelela kunye neendleko.
Awudingi i-degree kwi-finance ukuze ufunde indlela yokusebenzisa le nkqubo kwinkqubo yakho yohlahlo lwabiwo-mali, kodwa kunokufaneleka ukukhangela ukuthatha iklasi ukunceda zonke izixhobo ezichaphazelekayo.