Indlela yokugcina ukuhamba kwemali, ukunciphisa iindleko kunye nokugcina ibhizinisi lakho linenzuzo.
Xa uvale amabali abo, uya kumangaliswa ukuba baqala kangakanani ukuqala ekuqaleni kodwa bajonge ngoku! Ziyinto abantu abaninzi ababhekisela kuyo njengendaba yempumelelo yaseMelika.
Ukufumana ishishini, nangona lincinci, lenza uzibonele. Akukho mntu ufanele abe neentloni ngokuqala okuthobekileyo kuba oko kuyenzeka ukukufumana apho ufuna ukuya khona. Xa unenkunzi encinci, ungalindi ukuqala ishishini lakho. Yiya ngoku ngoku kunye ncinane onayo kwaye wenze ukuba yande kwi shishini. Gcinani engqondweni, ukuba ishishini liphumelele, kufuneka ugxininise ekunciphiseni iindleko ngokunokwenzeka. Ngoko, ziziphi iindlela ezingcono zokugcina imali xa uqala ishishini ? Siya kulahla iindlela ezili-10 eziphezulu zokugcina imali xa uqala ishishini.
Qalisa ishishini lakho ukusuka ekhaya
Le ngenye yezindlela ezilula ukuqala ukugcina imali eninzi ezayo kwi shishini lakho. Ngaloo nto, kufuneka ufezekise ubuchule boshishino lakho ngaphakathi kwendawo apho ufuna ukuqala khona.
Esikhundleni sokulinda ukuphakamisa imali yokuqeshisa indawo yesikhundla eya kuthi isetyenziswe ngokutsha njengendawo yeshishini, kucetyiswa ukuqhuba ibhizinisi lakho ukusuka ekhaya okanye ukufikelela kumhlobo okanye nabani na onamagumbi okukhulula kwaye basebenzise ukuqhuba ishishini lakho . Ukuhlawula irhafu nganye nyanga kuhlawule kakhulu kunokuba uqeshe indawo yeofisi yezorhwebo .
Ngeofisi yekhaya okanye indawo yokuqashisa, kufuneka uqiniseke ukuba inkulu kakhulu ukuhlala kuyo kunye neempahla ozenzayo kwiinjongo zokukhusela. Igumbi kufuneka lifikeleleke lula kwaye linjalo kufuphi okanye ngasendleleni. Oku kukuphucula ukufikeleleka kubathengi bakho kunye nababoneleli abakunikezela ngempahla. Kwakulungile ukuthetha nomnini-mninikhaya, ukuba urenta, malunga neemeko zakho phambi kokuba uqale ukuhlawula irenti. Chaza oko wenzayo ukwenzela ukuba akunike ixesha lobumnandi malunga neenyanga ngaphambi kokuba uqale ukuhlawula irenti. Oku kuya kukunika ixesha lokukhawulela yonke ingeniso yakho yenyanga kunye nokwenza ukubala ukusabalalisa ngokufanelekileyo kweendleko.
Thenga izixhobo ezisetyenziswayo
Enye impazamo abaninzi abasomashishini abasenjenjalo baqala ukushishina ishishini ngezixhobo ezintsha zoshishino okanye oomatshini. Le akuyona indlela yokuhamba. Kubiza kakhulu ukuba ucinge ukuba unayo imali eninzi ukuyidlala nayo. Imali kuphela enayo imali eyinkunzi yokuqalisa ishishini ukuze imali efunekayo igcinwe. Izixhobo ezitsha zibiza kakhulu kwaye nabani na onzima kakhulu abanini bezoshishino akufanele bahambe.
Khangela iinkampani ezisungulwe kwicandelo lakho shishini kwaye uzibuze malunga nokufumaneka kwezixhobo ozifunayo.
Bangakupha ngexabiso elisezantsi. Enoba bayayithengisa kuwe okanye baqeshisele, iindlela zombini zibiza kakhulu xa zifaniswa nokuhamba kwezixhobo ezintsha. Izixhobo ziqeshwe kuwe ngexesha elithile, zama ukuxoxisana kwizinga eliphantsi kwaye ulisebenzise ukufikelela kwixesha elide. Ithengiswa kuwe, bhetele ukhona kodwa qiniseka ukuba kusemsebenzini oqhelekileyo. Khangela ingcali onokukunceda ukuba ufumene nayiphi na iphosakelo ngezixhobo kwaye uqinisekise ukuba ingahlaziywa. Ukuba kunjalo, konke kulungile kwaye kulungile, ukuba akunako, ukuqeshisa kuya kuba yindlela engcono.
Sebenzisa ukuguqulwa
Xa uqala ishishini, into efunekayo kukunyamezela yindlela engcono ngayo ukugcina imali ngaphakathi kwishishini lakho ukwenzela ukukhulisa ukukhula kwayo. Ngaphandle kokugcina ukuhamba kwemali, amashishini angeke athule.
Oku kuthetha ukuba kufuneka ube ngowona mgangatho wokuhamba kwemali rhoqo imihla ngemihla ngokufuna iindlela zokugcina imali ephuma kumashishini. Enye yezona ndlela ezintle ongayisebenzisa ukugcina imali zibandakanyeka ekuthinteleni abanye. Unokutshintshisisa impahla kwiimpahla okanye kwiimpahla kwiinkonzo kunye nangaphandle koko. Ngokomzekelo, ukuba uqhuba inkampani yoyilo lwewebhu kunye nenkampani yokuthengisa iyakusondela ukuba uyidibanise iwebhusayithi, musa ukucela imali kodwa uvumelane nabo ngendlela yokudala kunye nokuqhuba isibhengezo sokuthengisa.
Oku kubizwa ngokuba yinkqubo yokuphila kwi-shishini. Omnye umzekelo ukuba uqhuba inkampani yembatho kunye nomthengisi ufuna ukuba wenze iingubo okanye naluphi na uhlobo lweengubo, ungazihlawulisi kodwa ke uthi xa uhamba nayo yonke inkqubo yokuthunga, kuya kufuneka kukunikezele inani elithile lempahla kunokubakhokhelwa. Oku kuya kukunceda ngokulondolozwa kwemali kodwa khumbula ukuba akukho konke malunga nokugcinwa kwemali kodwa kwakhona ukubuyisela imali egcinwe kwi shishini ukuze kuveliswe imali engaphezulu.
Musa ukuqasha abasebenzi bexesha elizeleyo
Njengoko kushiwo ngaphambili, ngokuphathelele ukugcina imali kwi shishini kwaye akukho nto. Njengomnini-shishini lomncinci , ukuqeshwa komntu kwisiseko esisigxina kunokudala ezininzi iingxaki zemali kwishishini lakho. Njani? Umqeshwa osisigxina unokufuna i-inshurensi, ipenshoni kunye nezibonelelo nokuba okokuqala akuyi kuba nako ukufikelela. Ngoko ke kufuneka uyenze ntoni ukuze ugweme ezi ndleko? Musa ukuqesha umntu ngokusisigxina. Ukuba inkqubo yakho yekhompyuter iye yavelisa ingxaki, akufuneki ukuba uqeshe i-tech tech. Ungakwazi ukubiza nje kwi-guru guru le-IT ukulungisa ingxaki kwiiyure ezimbalwa kwaye uhlawulwe kwaye nguwe.
Kutheni ungasebenzisa umgcini-akhawunti xa uhlawulelo lwemali yebhankini yinto nje encinane? Kuya kuba ngongqiqo ukuba umntu ahlale apha yonke imini engenzi nto kwaye ehlawulwa kweli hlabathi langoku. Xa kuziwa kwiinjongo zokubaluleka, kufuneka ufune umnxeba othile ochaphazelekayo ngexesha lokuthi zithatha iinyanga ezintathu ukuba zilinganise iincwadi ze-akhawunti kwaye zixelele ukuba ibhizinisi lakho liqhuba njani kakuhle ngemali. Le yindlela ephezulu yokushishina iindleko nokuphucula ukukhula kwabo.
Yiba yiFanethi yeFree Software
Xa uhamba kwi-intanethi nangoku, kukho ininzi yesofthiwe ekhululekile ekufuneka uyikhuphe kuphela kwaye ayikho enye into. Akukho zityholo. Phantse zonke iinkalo zoshishino ezifana nokuphendula phakathi kwamanye amaninzi zenziwa ngeprogram ekhululekile. Xa ufumana isofthiwe ekhululekile , akuthethi ukuba kukho nayiphi na indlela engaphantsi xa kuthelekiswa nabathengiswayo. Kungenzeka ulahleke ezinye iimpawu zeprayum kodwa ibhizinisi elincinci linalo nje izinto ezimbalwa ezifunekayo zenzeke kwaye ke izixhobo zeprayimenti ezingenakuyimfuneko xa uqala.
Uninzi oluninzi lwama-software olulandwayo luza kunye neentsuku ezingama-30 zokuvavanywa kwamahhala emva koko kufuneka ukuba uthenge. Ekubeni injongo yakho kukugcina imali kwi-shishini lakho, musa ukwenza iphutha lokuqhubeka nokuthenga. Udinga kuphela ukukhipha kwikhompyuter yakho uze uphendule kwi-intanethi eyokunika elinye ixesha lokuvavanya elingama-30 emva kokufakwa kwenkqubo. Yile ndlela uza kusinda ngayo ukuba ishishini lakho lizinzile ngokwezezimali ukuthenga isofthiwe kwaye ugcine ukuhlaziywa kwesofthiwe. Ukuba ufuna ukugcina imali ngaphandle kwesoftware ekhululekile ikhona kuwe.
Invest Investment in Interesting Aaring Accounts
Ngaphambi kokuya kwandiswa kwezoshishino, kuya kuba kuhle ukuba uhlolisise nokuba ingaba lixesha elifanelekileyo ukuba unwebe ishishini okanye cha. Ukuba akunjalo, musa ukubuyisela inzuzo kwishishini. Kukulungele ukugcina imali kwi-akhawunti eyenza inzala ngexesha elithile xa kuqhuba uvavanyo malunga nokunyaniseka kwoshishino. Le yindlela enye yokwenza imali ngemali yakho ngaphandle kokubandakanyeka ekuthengiseni impahla. Kuthiwa ukuthenga ixesha kwi shishini xa ucinga ngesinyathelo esilandelayo.
Ukuqeshisa ngokucopheleleyo kunye nokuCwangcisa
Ewe, abasebenzi abanamava bafika ngeendleko kwaye ngoko njengenkampani encinci, kulungile ukuwaphepha kuzo zonke iindleko. Endaweni yokuya kubafundi abaqeqeshekileyo, kusenokuba isicwangciso esilungileyo ukuba uqeshe abantu abanezakhono ezilinganayo kodwa ezifanelekileyo. Ibhizinisi elincinci alikho izinto ezinzima ezinokukunyanzelisa ukuba uqeshe iingcali ezilungileyo kwintsimi. Ufuna umntu ongenza izinto ezisisiseko ezigcina ibhizinisi liqhuba. Oku kuthetha ukuba abantu abatsha abasuka esikolweni bafanelekile kwi shishini lakho.
Enyanisweni, ufanele uwathathe njengabafundi bokuqala ngaphambi kokuba uwathathe njengabasebenzi kwisivumelwano. Ngeenkontileka, zenze zibe mfutshane njengoko kunokwenzeka kwaye ngamanye amaxesha xa kungekho msebenzi ogqithiseleyo, vele uzifake uze uzihlawule iintsuku xa zisemsebenzini. Oku kuya kwenza ukuba ibhizinisi lakho livelise ngokukhawuleza ngaphandle kokufumana iindleko ezininzi.
Ukuxoxisana nabaThengisi kwiAkhaphu
Ukuze uphile kwimeko yoqoqosho olukhoyo, kufuneka umntu abe nolwazi olunzulu lokunxibelelana. Ngaphandle kokuthetha ingqondo yakho, omnye umntu uya kuthetha ingqondo yakho egameni lakho. Ngoko ke, kukulungile ukuba uthembeke kakhulu kubathengisi ngokwenza iintlawulo. Xa kuyenziwe oku, ngoku ngoku kungukuthi ujikeleze ngandlela-thile imigaqo yoshishino oyifunayo. Unomxholo kwindlela u shishino phakathi kwakho kunye nomthengisi lwenziwa. Okokuqala, thethani ngezaphulelo kwiimpahla abathengisi banikezela zona. Le nto iya kuba yindlela efanelekileyo yokunciphisa iindleko zokuqhuba ibhizinisi lakho kwaye uzithengise ngexabiso eliphakamileyo elikunika ithuba lokukhulisa inzuzo kwishishini lakho.
Enye indlela yokusebenzisana nabathengisi kukuthatha izinto kwiimali zetyala kwaye wenze iintlawulo emva kokuba zonke iimpahla zithengiswe. Oku kuya kuba kuhle kuba uza kuba uthengisa iimveliso egameni labathengisi kwaye ujabulele inzuzo ngaphandle kokutyalomali.
Iintlawulo zentlawulo
Ewe, ulungile. Xa uqala ishishini , kukulungile ukugcina engqondweni ukuba imali ephuma kumashishini ihlala ikhona ngaphezu kwemali ephuma kwishishini. Oku kuthetha ukuba ukuba uqeshe umntu ukuba enze umsebenzi othile, kuya kuba kuhle ukuchasa iintlawulo zabo ngexesha elithile. Oku kuya kukuvumela ukuba uthenge iimpahla ezininzi usebenzisa imali owawuzisebenzisayo ukwenza iintlawulo kwaye xa kuthengiswa iimpahla, uyazihlawula usebenzisa inzuzo. Enye yeendlela eziqaqambileyo ibhizinisi elincinci lingakwazi ukubona ukukhula kumazinga abo okuqala.
Thenga iiMpahla kwiBlue
Xa uthengisa impahla ngobuninzi, abathengisi baya kukunika izaphulelo ezinkulu kakhulu. Oku kuya kwenza ukuba wenze inzuzo eninzi emva kokuthengisa. Oku kuthetha ukuba xa usebenza kwiimpahla ezingapheliyo zizithenga ngobuninzi kwaye ulondoloze kwiindleko ukwenzela ukwandisa iindleko zengeniso yoshishino kwixesha elizayo elizayo.