Ukuhlelwa kwemali efunekayo ukuqala ishishini ngenye yeengxaki ezinkulu ukuba ngamnye umnini-shishini ufuna.
Olu hambo lokuqalisa ukushishina lwenziwa lukhuni ngakumbi njengoko abatsha nabanqwenelayo basomashishini bavame ukuhlawulelwa ukubolekwa kwemali ngabanini bemali abaninzi.
Iindaba ezilungileyo kukuba kukho ininzi yemithombo engaphezulu yenkxaso-mali abasomashishini abanokuyisebenzisa ukuxhasa iimali zabo zezoshishino.
Ukusebenzisa iiKhadi zeNkampani zeNtengo
Akungabazeki ukuba amakhadi enkcitho yekhredithi enye yezona ndlela ezichanekileyo zokuxhasa imali yokuqalisa iqela ukuba nayiphi na umnini-shishini unokuqwalasela ngokucokisekileyo. Yindlela echanekileyo yokuxhasa imali yokuqalisa, njengoko ifika ngamaxabiso aphantsi. Amanye amakhadi eentengo zekhredithi anikezela ukukhushulwa kwentlalo yepesenti, ngokuphindaphindiweyo kwiinyanga ezili-6 ukuya kwezi-12. Abanini-bhishini banokwakha kwakhona imbali yabo yebhanki xa bethatha lamakhadi ezinkampani ngendlela efanelekileyo.
Ukusebenzisa i-401 yakho (k) kwi-Finance yakho Startup
I-401 (k) isicwangciso-mali soshishino singanika umnini-shishini onqwenelayo ngeemali zokuqalisa, kodwa esi sicwangciso esinokutsalathisa izithintelo ezinkulu kunye neempembelelo ezithile zerhafu.
Ukuba awuyiyo ingcali yezezimali, kuyacetyiswa ukuba ufune iinkonzo zeengcali zezimali ezifanelekileyo phambi kokuba ubolekise kwi-401 (k) yakho. Nangona kunjalo, ukuba usebenza ngoku kwaye unqwenela ukuqala ishishini, ibhalansi yakho 401 (k) ingaba ngumthombo wemali.
Inkcitho
I-Crowdfunding isekelwe ekukhuliseni imali encinci yemali kubantu abaninzi.
Oku kwenziwa ngokubanzi kwiiwebhsayithi ezininzi ezifana neGoFundMe kunye neKickstarter. Ezi phulo ngamanye amaxesha zithembela kumandla kwiphankaso lakho, kwaye ibhishini likulindele ukuvuza abaxhasayo ngokutshintshiselwa kotyalo-mali abafaka kulo shishini.
Iingelosi
Iingxowa-mali zengelosi ziyaziwa ngokuba zizityebi kwaye zivelele ngokuxhaswa ngemali ngamanyathelo okuqalisa. Laba ngabantu abanezixokelelwano ezinzulu kwaye banokufaka imali kwimibono yakho yokuqalisa ngokubuyisela kwipesenti enikeziweyo yobunini boshishino. Ukuxhobisa abanikazi boshishino banokuphefumlelwa ekubeni ezinye zeenkampani ezibalaseleyo ezifana ne-Yahoo kunye ne-Google zancedwa kwizigaba zabo zangaphambili kunye nabatyalo-mali bezithunywa. Ezinye zeesayithi apho ungafumana khona abo batyali bezithunywa zezulu baquka iNew York Angel kunye neLenge Angel List.
Ukufumana Imali kwi-Friends and Family
Ngaphandle kokuba uxinzelele ubudlelwane kunye nabahlobo bakho kunye nosapho, banokuba yindlela efanelekileyo yokuxhasa ukuqala kwakho , ingakumbi ukuba unayo imali yokugcina. Ukuboleka kwabangane kunye nosapho kukunye okuthakazelisayo ekuxhaseni imali yokuqalisa nokuza kunye neenzuzo ezincomekayo ezinjengeentlawulo eziphantsi okanye ezingenakunomdla, kwakunye nokuphepha iimeko ezinokubangela ukuba unokuhlangabezana nazo kwezinye iintlobo zemboleko.
Ukuthengisa iiAfa
Abanye abanqwenela abanikazi bezoshishino baneendlela zokuxhaswa ngemali ngasekuqaleni kwabo kodwa abanakuziqonda - okanye abazimisele ukuzenza. Ukuba unokuthwala inxalenye ethile yezinto zakho, ukuthengisa enye yezinto zakho (njengemoto) kunokukunceda ukuba ufumane imali ekufuneka uqalise ishishini.
Imali yeMali Yezindlu
Iimali-mboleko zokulingana zasekhaya zivumela ukuba ubolekise kwixabiso lekhaya lakho. Ezi zezi ezinye iindlela eziphambili zokuxhasa imali yokuqalisa ukuqhuba ishishini, njengoko zinikeza ixabiso lentengo eguquguqukayo kwaye ingaba ifom ephantsi yokubiza. Esi sisisombululo esifanelekileyo kubanini beshishini abanobuqili abanamalungelo.