Ukuqonda umahluko phakathi kwemali, ukuhamba kwemali kunye nenzuzo / inzuzo engenayo inokuthi umahluko phakathi kokuphumelela kunye nokungaphumeleli kwishishini lakho.
Kule nqaku, siza kujonga iingcamango zemali kunye nenzuzo, ukuhamba kwemali kunye nenzuzo engenayo .
Ndiya kucacisa ukuba kutheni imali ixabisa inzuzo kunye nendlela ukuhamba kwemali kubaluleke ngakumbi kunemali engenayo kwi-shishini lakho lokuphila.
Yintoni eyahlukileyo phakathi kweCash kunye neNzuzo?
Nantsi indlela elula yokukhumbula ummahluko phakathi kwemali kunye nenzuzo:
Ingxowa yimali kwishishini lakho ukujonga iakhawunti. Yiyiphi ibhizinisi lakho elifumanayo xa uthengisa imveliso okanye inkonzo.
Inzuzo yintlawulo yemali kwisitatimende senzuzo kunye nelahleko; isiphumo sokuthengiswa kweendleko. Akunjalo into efanayo nemali. Cinga ngako ngale ndlela: Inzuzo yinkcazo yokuphendula kunye neerhafu, eya kudlala ekupheleni kwexesha lokuphendula kunye nexesha lokuhlawula irhafu. Inzuzo yiphumo lokubala; Ikheshi yiphumo lokuthengiswa kwebhanki.
Yintoni eyahlukileyo phakathi kweMali yokuHlahla kweMali kunye neNgeniso yeMali?
Ukuhamba kwemali yimali yokungena kunye nokuphuma kwishishini lakho, ngokusebenzisa ishishini lakho ukukhangela i-akhawunti. Ukuba ukuhamba kwemali enemali kukuhle (ngaphezulu kwemali ezayo kunokuphuma), oko kulungile.
Ukuba ayibi, ithetha ukuba ishishini lakho liyichitha ngaphezu kokuqokelela. Isaziso ndasebenzisa igama elithi "ukuqokelela," hhayi ukuthengisa.
Intlawulo yeNgeniso iboniswe kwingxelo yeNgeniso yeNtengiso, kodwa kuphela ekupheleni kwenyanga, kwikota, okanye ngonyaka. Akukusizi ukuba ufumene indlela yokujongana nokunyuka nokuhla kwekheshi ngenyanga.
Ibhizinisi Lwam liyakwenza njani inzuzo kodwa andinayo nayiphi na imali?
Ukuze uphendule lo mbuzo, ndifuna ukuzisa ingcamango yeendlela zokuphendula kule ngxoxo. Kukho iindlela ezimbini zokuphendula- imali kunye nokwanda. Ibhizinisi lonke lisebenzisa i-accounting accounting method. Ingeniso ifunyenwe xa imali (khangela, ikhadi lekhredithi) utshintsha izandla. Kwi-accounting account, ingeniso ifunyenwe xa ibhajethi okanye i-invoyisi ithunyelwa, kungekhona xa ufumana imali.
Kwi-accounting accounts, masithi sithi wenze umsebenzi othile wewebhu wokwakha umthengi. Uthumela umthengi i-invoyisi i-$ 3,100. Ngoku uthengisa i-$ 2,100, kwi-profit yakho & isitatimenti sokulahlekelwa, kodwa imali ayikho ebhankini - akukho mali.
Iakhawunti yeBhanki yeBhanki
Ngoku ke sijonge kwi- akhawunti yakho yebhanki yebhanki. Kukho i-$ 3,000 kwi-akhawunti yebhanki kwimveliso yangaphambili. Kufuneka uhlawule irenti kwindawo yakho yee-ofisi namhlanje - yi-1100. Kwakhona kufuneka uhlawule izixhobo (i-$ 220) kunye ne- freelancer eyakunceda ngeprojekthi ye-web design ($ 850). Oku kuthatha i-$ 2160 kwi-akhawunti yakho yebhanki yebhanki. Udinga ukuthatha i-$ 1000 ukuze uzihlawule kwaye uhlawule iindleko zakho, kodwa unokuthatha kuphela i-$ 830 yezigidi, ezishiya u-$ 0..
Ingeniso yakho yoshishino ngenyanga leyo ukude i-$ 3100 yokuthengisa ingadlulanga i-2170 $ kwiindleko zoshishino, ngenzuzo ye-$ 930.
Unokuchitha loo nzuzo ukuba ufuna, kodwa kuya kuthetha ukuqhuba i-akhawunti yakho yebhanki yebhanki ibe ebomvu.
Ziziphi ezinye iiAkhawunti ezichaphazela inzuzo kunye nokuHlahla kwemali?
Inzuzo iquka zonke iindleko zoshishino, kuquka ukuhlaziywa . Ukunciphisa ixabiso lithatha imali kwi shishini lakho; Ingqiqo yokuphendula ingxelo eyanciphisa ixabiso lempahla ehlaziyiweyo. Ngoko ukuhla kwexabiso kunciphisa inzuzo, kodwa kungekhona imali.
Inventory kunye neendleko zeempahla ezithengisiwe zichaphazela inzuzo, kodwa kungekhona imali. Umzekelo, kufuneka uthenge iimveliso ukuba ufake kwi-inventory, kwaye uhlawule loo mveliso. Oku kuphuma ngemali, kwaye unokufumana inzuzo ekuthengiseni okwedlula loo mveliso, kodwa okwangoku, usasahla imali.
Yenza kube yinto ephambili ekufumaneni ulwazi malunga nemali yakho yenyanga kunye nokukhangela imali. Ndisebenzisa i-Google Sheet, okanye unokukwazi ukuthetha nomgcini-akhawunti wakho ekunikezeni iphepha lokusebenzela lokuhamba kwemali.
Faka ixesha lokufumana ingeniso kunye neendleko, kwaye ungalibali umvuzo wakho okanye udwebe njengomnini-shishini. Ukufumana isisombululo ngokuhamba kwemali kunokukunceda ulale ubusuku kwaye ube yinzuzo enkulu kwimpumelelo yakho yezoshishino.