Izindlela zokudala ukugcina imali yakho yenkampani
Nangona kunjalo, ukulawulwa kwesigodlo esicacisiwe ngasentla kuye kwaba yintloko yamakhishini amaninzi okusingatha.
Akumangalisi ukuba wonke umntu uphumelele kwaye uphumelele xa kuziwa kumashishini. Kulabo abafuna ukuza kuba ngabesilisa nabasetyhini beshishini, kukuhle ukuba uye wafika kule ndawo. Uya kukwazi ukufunda kwicandelo elingezantsi iindlela ezilungileyo zokugcina ukuphuma kwemali kwi shishini lakho.
1. Sithengisa izixhobo zokusebenza ezingenakudinga
Njengomnini-shishini, kukulungile ukugcina ingqondo yakho isebenza njengewashi. Ndithetha ntoni na? Kufuneka uhlale ukhangele ukufumanisa oko kufunwa kwishishini lakho kwaye oko kusele kungasebenzi. Kule nkcubeko yezobugcisa, iimfuno zabaxhasi ziyatshintsha kunye nezinto zokuvelisa. Oku kuthetha ukuba nayiphi na izixhobo zoshishino ezingasadingeki kufuneka zilahlwe ukwenzela ukudala indawo engaphezulu yezizinto zanamhlanje ezixabisekileyo kwishishini.
2. Iintlawulo zeeNtlawulo zeNtlawulo
Ukugcina ukuhamba kwemali yenzululwazi kunye nobugcisa obuya kuthi, ngokungahambisani kakuhle, buya kubuyisa ngamanye amaxesha.
Ifuna izinga eliphezulu lobunkokheli. Unako ukuqinisekisa abathengi bakho kunye nabathengisi bakho ukuba bangene kwiintlobo ezahlukeneyo zeenkontileka zokuhlawula kunye nawe.
Ngokomzekelo, xa usebenzisana nabathengisi bakho , unokuxoxa kwaye ungene kwiikontraki kunye nabo ukuze banikeze ngempahla yenyanga enye ngaphambi kokuba wenze intlawulo.
Oku kuya kukunceda uthengise iimveliso kwaye wenze inzuzo yakho ngaphambi kokuba uqwebe ityala. Ngabathengi, ungabaqinisekisa ukuba benze iintlawulo zangaphambili ngaphambi kokufumana iimpahla kubo.
3. Faka i-Cash Deposits yakho kwi-Interesting Ukufumana iakhawunti
Amabhanki namhlanje anika i-akhawunti yokufumana inzala kumadoda kunye nabasetyhini abasemgangathweni xa kuthengiswa ukwenza iiphozithi. Ukuba ne-akhawunti enjalo kumashishini akho yindlela ephezulu kakhulu yokunyuka kwemali. Nangona kunjalo, ezi ngxelo zifuna ukuba ube nomlinganiselo omncinci wokusebenza. Kufuneka uxelele bonke abathengi bakho ukuba benze iintlawulo zabo kule akhawunti ukuze baqale ukufumana umdla ngokukhawuleza. Njengengcezu yeengcebiso, thintela izatifikethi zexesha elide (i-CD) kwaye utyalomali kwii-CD ezingenaso isohlwayo.
4. Ifuna iiDosti kwiMveliso okanye kwiNtengiso enkulu
Ukuba ishishini lakho lingasebenza kwii-oda zesiko okanye ukuthengisa okukhulu, kufuneka ube neemeko ukwenzela ukuba, ukuba loo mveliso ivumeleke, umthengi kufuneka akhokhe ubuncinane ama-50% exabiso elipheleleyo lokubiza. Oku kungenxa yokuba, ngamanye amaxesha, imfuneko yale mveliso kumthengisi ingahle ihlawule ngokungalindelekanga. Xa kwenzeka into enjalo, banokunyanzeliswa ukuba benze intlawulo eyancitshiswayo yeempahla zakho eziza kuphazamisa ukuhamba kwemali kwixesha elide.
Ngokuchaseneyo, akufanele ungene kwisivumelwano esinjengabathengisi bakho. Zisoloko uzikhusela uze usebenzise umlando wakho weebhanki ukuba uncedo. Musa ukuhlawula abathengisi bakho ngomyalelo. Qinisekisa ukuba bakhonze izinto kwi-ngetyala kunokuba wenze idipozithi zangaphambili zokubonelela kwakho.
5. Nika iAphulelo kwiiNtlawulo zeNtengiso
Ukuhamba kwemali yigazi le shishini lakho kwaye uyayidinga ukuba ishishini lakho lihlale likwazi ukusebenza kwaye lizinzile. Enye yeendlela ongayifumana ngayo ngoku kukukhuthaza abathengi bakho ukuba bahlawule impahla yabo ngokukhawuleza ukuze bafumane izaphulelo. Ukuba i-invoyisi yakho inexesha lokuqinisekiswa kweentsuku ezingama-30, ubaxelele isaphulelo esingu-2% siya kunikwa kwiintlawulo ezenziwe kwiintsuku ezili-10 zokuqala.
Kucacile ukuba wonke umthengi ufuna ukugcina imali kunye nokuzinika izaphulelo ezenza bavuyiswe. Ngecala lakho, iintlawulo ezikhawulezayo ziya kukhawulezisa ukuqokelela amatyala, ukuphepha iimali ezimbi nokunyuka kwemali.
6. Yiba neNkundla yeMatyala kwiiNtlawulo eziThatywayo / eziThatywayo
Akukho mntu ushishini ufuna ukuhlwaya abathengi bawo kuba babaleke. Nangona kunjalo, kufuneka ube nomgaqo-nkqubo onjalo ukwenzela ukuba unyuse abaxumi bakho ukuba benze iintlawulo ngokukhawuleza. Oku kuya kwenza ukuba abathengi bakho babe sezinzwane zabo xa kuziwa kwiintlawulo zematyala abazibolekisile ishishini lakho. Ekupheleni kosuku, uya kukwazi ukugcina imali yakho ngokukhawuleza.
7. Hlela i-Arhente yoQoqo yeeNkcazo ze-Old Accounts
Kulo nawuphi na uhlobo loshishino, sinabathengi abangekhe bathathe iintlawulo ngexesha. Ukuba unquma ukuba uya kulandela zonke ezi ntlawulo ngokwakho, kuya kuba neendleko zexesha lakho kwaye kwanokuba uchithe imali eninzi kubo. Oku kuthetha ukuba kufuneka uqeshe i-arhente yokuqokelela ityala lesithathu ukukunceda wenze ulandelelwano olupheleleyo lweentlawulo ezilibazisekile.
Uninzi lwamaxesha, i-arhente yeqela lesithathu inokwazi nokukwazi ukuqhuba iiferensi ezinjalo ngeendleko zazo, nangona kuya kufuneka uvumelane kwaye ubanike ipesenti ethile yemali eqokelelelweyo. Ukuba ucinga ukuba oku kubi, ngoko uzama ukubalandela!
8. Yiba nenkqubo yokuhlawula i-Layaway
Oku kungafaka njengezinto ezidlulileyo, kodwa kusetyenziswa kwishishini nanini. Yindlela yokwenza umthengi ahlawule iimpahla ngaphambi kokunikezelwa kwazo. Umthengi uvumelekile ukuba athenge umkhiqizo ogcinwe ukuthengwa kwangaphambili kunye nokuhanjiswa. Umthengi kufuneka ahlawule imali ngaphambi kokuba into ithululwe. Oku kukunika ithuba lokunyuselwa kwemali njengoko umthengi womthengi wenza ukuhlawulwa kwangaphambili kweempahla ezingakhululwa.
9. Ukuseka iNgcaciso yeMali
Imveliso yeemveliso ezigqityiweyo ezilindele ukuthengiswa, izinto ezibonakalayo kunye nemveliso ekhoyo njengamanje kwi-shishini lakho. Oku kuthetha ukuba kufuneka bagcinwe kwaye usomashishini kufuneka athenge iindleko zemali. Ngenxa yoko, ngamanye amaxesha kucebisekile ukuba uhambe ngemali mboleko evela kubathengisi bakho. I-inventory izakusetyenziswa njengento yokubambisa imali.
Le ndlela yindlela engcono yokufumana imali mboleko kuba ayifumananga nantoni na. Ukukholisa ababolekisi bakho ukuba banike le mboleko kuzakukwenza ukuba ugcine ukuhamba kwemali kwi shishini lakho .
10. Ukulungiswa koTyalo-mali
Ulawulo lwesithupha, xa lufika kwi-investment capital, luhlala lukulungiswa kunokuba lutshintshe umatshini wakho. Oku kungenxa yokuba uomatshini libiza kakhulu ukuba ishishini lizithengele zonke ngoku kunye. Ngaloo ndlela, kuhle ukuba usomashishini enze inkqubo yokugcinwa rhoqo kwiintlobo ezahlukeneyo zezixhobo.
Xa kuziwa kwiindawo ezithatha indawo, musa ukuhamba rhoqo kwezo zinto ezivela kumenzi. Unokufumana ezi zivela kubathengisi beqela lesithathu. Ukugxininisa ekufumaneni izixhobo ezivela kumenzi wangempela kunokukuhlawula ixesha elide.
11. Yeka iiMveliso ezintsha zeTeknoloji
Siphila kwihlabathi lezobuchwepheshe apho kukho igajethi entsha ye-elektroniki edolophini imihla ngemihla. Ngelishwa, uninzi lwabanini bezoshishino behla kwiintengiso zabo ngaphandle kokwenza ingqalelo. Kulungile kuwe njengomnini-shishini ukuba uqwalasele ukuba igajethi entsha iya kwandisa nayiphi na inzuzo kwinkampani yakho okanye cha. Ukuba akunjalo, ke akukho mfuneko yokuchitha ipenki kuyo.
Ngakolunye uhlangothi, nokuba ixabiso elitsha longeza inzuzo ethile kwi shishini lakho , kufuneka uhlalutye kwaye unqume ukuba ngaba lixabisa iindleko ezongezelelweyo okanye cha. Ukuba iinzuzo zigqithise iindleko, hamba. Ngaphandle koko, yigweme.
12. Thenga izinto ezisetyenziswayo
Ewe, enye indlela efanelekileyo yokugcina imali kwi shishini lakho kukuthenga izixhobo ezisetyenziswayo kunokuthenga ezintsha. Sonke siyazi ukuba umatshini omtsha ubiza kakhulu kwaye unokunika inkampani yakho imali engafanelekanga. Nangona kunjalo, izixhobo ezisetyenziswayo zinamandla okwenza ngendlela efanayo nezo ezintsha kwaye ngoko endaweni yokuthenga umatshini omtsha, hamba ukusetyenziswa kwezi ziimeko ezifanelekileyo.
13. Ukuhlawulwa kweentlawulo zabathengisi
Ukungafuni ukuhlawula iimpahla ezibonelelwe ngabathengisi kuyindlela efanelekileyo yokugcina ukuhamba kwemali. Zama uze uqinisekise ukuba wenze inkokhelo yakho nangomhla wokugqibela nje kuphela xa ungaphumeleli. Ngamanye amaxesha unokuba uzame ukuxoxisana nabathengisi ngokwemigaqo yokuhlawula. Ukuba kufuneka ulibazise intlawulo, nceda qiniseka ukuba uthintana nomthengisi ngaphambi kwesigqibo.
Oku kungenxa yokuba iintlawulo ezingabonakaliswa emva kwexesha kubabathengisi bakho zingabikwa kwiziko leentengo zemboleko njengetyala lokugqibela. Oku kungahamba ixesha elide ekumakalise ingxelo yakho yekhredithi kwaye ngoko kulungile ukuhlala uxhumene nabathengisi bakho kwaye uqinisekise ukuba imeko enjalo ayibikwayo.
14. Sebenzisa iBharter Trade
Ukurhweba kwintengiso kunokuhamba ixesha elide xa kuvela ukugcinwa kwemali kwishishini lakho . Unokuthetha nomthengisi wakho kwaye uqiniseke ukuba bamkele iimveliso zakho njengendlela yokuhlawula endaweni yemali. Mxelele nje ukuba uya kukwazi ukuhlawula i-30% yamatyala akho ngokwemiqathango kunye neenkonzo.
Le yindlela elula kakhulu yokugcina imali kwi shishini lakho . Ukuba umthengisi wakho wangoku akafuni ukwenza olu hlobo loshishino , ukhululekile ukukhangela omnye oya kukwazi ukuwamkela le migaqo.
Ngokomzekelo, unokuqiniseka ukuba umthengisi wekhompyutha uza kukwazi ukumnika i-IT yakho gurus nanini na oomatshini bakhe behluleka endaweni yokuziqesha. Inkonzo eyenziwa nguchwepheshe we-IT iya kuba yindlela yokuhlawula impahla enikezwe ngumthengisi .
Sebenzisa i-Credit Your Rating kwi-Advantage yakho
Le ngenye yezinto ezikhulayo kwizoshishino ezithathileyo kuluntu lwaseMzantsi Afrika. Amashishini kunye nabasetyhini bayakhuthazwa ukuba basebenzise ubungakanani babo beentengo zemboleko ukuze bathethathe ixabiso lentengo ephantsi kwiimali-mboleko, iintlawulo ze-inshorensi kunye nezaphulelo ezivela kubathengisi. Esi sicwangciso esihle kuba kuya kukunceda uhlawule imali encinane kwaye ulondoloze ezininzi kwicala lakho. Le yindlela efanelekileyo yokugcina ukuhamba kwemali yakho kwaye uhlale kwishishini ixesha elide.
Ekugqibeleni, kukho iindlela ezininzi umrhwebi angaqiniseka ukuba anemali engasetyenziselwa ukuqhuba yonke intsebenzo yezoshishino kungekho naluphi uhlobo. Ezi ndlela zingentla ziye zabonakaliswa ukuba zisebenze ngamaqela ahlukeneyo yabanini-shishini kuwo wonke umhlaba. Ukuba uyisomashishini ozayo, ukusebenzisa iindlela ezi ngasentla kuya kuhamba ixesha elide ekuncedeni ukuba uphumelele nawuphi na uhlobo loshishino ofuna ukuba ungene ngalo. Ekugqibeleni, khumbula ukuba ishishini li malunga nokuthatha ingozi kodwa qho qinisekisa ukuba imali yakho ivela ngaphezu kokuphuma.