Imali (Ukuhamba) Ngokwenene nguKumkani

Ukuqonda nokulawula ukuhamba kwemali kungenza okanye kuphule ishishini lakho

Esinye sezifundo ezibaluleke kakhulu oosomashishini kufuneka bafunde, ngokuqhelekileyo buhlungu, ukuba loo mali iyinkosi. Andiyathethi ngemali yamaphepha - ndithetha ngokuhamba kwemali . Ukubeka nje, akukhathazeki ukuba imali ezayo kwixesha elizayo ukuba unayo imali eyaneleyo ukuba ufumane ukusuka apha ukuya apho. Abasebenzi abanakuze balinde ukuhlawulela ukuhlawula abathengi bakho. Umnini-mnini wakho akakhathaleli ukuba uthetha abatyali-mali kwaye uya kuba nemali ezinyangeni ezimbalwa.

Abathengi abanakho ukulungelelanisa i-credit yakho nayiphi na enye kwaye awukwazi ukuthenga iimpahla oyifunayo ukuze unikezele kumthengi wakho kwaye ufumane inkokhelo.

Amashishini amaninzi ahluleka ngenxa yokungabi naso kwemali yokuhamba ngaphandle kokungabikho kwenzuzo. Kutheni oku? Izizathu ezibini ezibalulekileyo:

1. Abanini-shishini bahlala bengenangqiqo ekuqikeleleni ukuhamba kwemali. Bathemba ukufumana imali engenayo kunye nokunyaniseka kweendleko.
2. Abanikazi bamashishini abakwazanga ukukulindela ukusilela kwemali kunye nokuphelelwa kwemali, kubaphoqa ukuba bayeke okanye bayeke ukusebenza, nangona banamakhasimende asebenzayo.

Masiqale ngokuhlula phakathi kokufumana inzuzo kunye nokuhamba kwemali:

Inzuzo ngumlinganiselo phakathi kweengeniso kunye neendleko. Ingeniso ibalwa ngexesha lokuthengiswa kubhalwa, kunokuba xa kukho imali epheleleyo. Ngokufanayo, iindleko zibalwe ngexesha lokuthengwa lenziwe, kunokuba uhlawule umrhumo.

Ukuhamba kwemali ngumlinganiselo phakathi kweengeniso (imali yangempela engenayo) kunye nokuphuma (imali ephumayo). Ingeniso ayibalwa kuze kufikelelwe intlawulo kwaye iindleko zingabalwa kuze kube yenziwe intlawulo. Ukuhamba kwemali kubandakanya ukuxhaswa kwemali esisebenzayo evela kubatyalomali okanye ukuxhaswa kwetyala.

Ukuhamba kwemali ngokuqhelekileyo kubalwa rhoqo ngenyanga njengoko ezininzi iinkqubo zokuhlawula zihamba ngenyanga. Uninzi lwababoneleli baya kuvumela indawo ethile ukuya kwiintsuku ezingamashumi amathathu ukuhlawula. Nangona kunjalo, kwishishini elinomdli-mali oluninzi ngenzuzo yokubala, njengendawo yokutyela okanye ivenkile yokukhetha, kunokufuneka ukuba ubale ngeveki okanye kwimihla ngemihla.

Indlela yoPhuhliso lweMali yokuHlaba

1. Qala ngexabiso lemali ngesandla - ibhalansi yebhanki yakho yangoku kunye nemali ekhoyo kunye nengqekembe.
2. Yenza uluhlu lwezinto ezilindelekileyo - iintlawulo zabathengi, ukuqokelela ngamatyala amabi, inzala okanye inzuzo yokutyalomali, njl. Uluhlu alukodwa kuphela inani kodwa nokuba liza kufika nini.
3. Yenza uludwe olufanayo lweziphumo ezilindelekileyo - ulawulo lwemivuzo, inyanga nganye, iintlawulo kwiingxelo ezihlawulwayo okanye enye ityala, irhafu ehlawulwayo okanye ibeke eceleni ukuhlawulwa kwexesha elizayo, izixhobo zokuthenga, iindleko zokuthengisa, njl njl.

Yibeke konke kwi-spreadsheet ngokulandelana kwexesha (isiKhokelo sethu sabangenayo sinephepha lokusebenzela lokuhamba kwemali nganye ngenyanga, okanye i-PlanWare inikeza isicwangciso-mali esingundoqo samahhala ongasisebenzisa njengendawo yokuqala). Ukuba naliphi na indawo unomlinganiselo omncinci wemali okanye nokuba ncinane kakhulu, unokufumana ingxaki.

Kungcono ukuba ube ngumlondolozo omkhulu, oko kukuthi, uqikelelo luya ngaphantsi kwaye lukhawuleza luphuma phezulu kwaye kamva. Ukuba ugqiba nge-surplus surplus, unokukufakazela ngokungenakulindeleka kwekheshi kwixesha elizayo, okanye utyalomali kwinto ekuncedayo ukukhulisa ishishini lakho - awuyi kuba neengxaki zokufumana into ebalulekileyo yokwenza ngemali. Ngakolunye uhlangothi, ukuba uphelela nge-cash shortage, ungagqiba ukulimaza i-credit card yakho, ukulahlekelwa ngabathengisi, ukucima abasebenzi, okanye ukuphuma kwishishini ngokupheleleyo.

Ukulandelela Okwenziweyo

Gcina ikopi yebikezelo zakho, kodwa ulandelele ukuhamba kwakho kwemali. Ukuthelekiswa nokubikezela kwakho kuya kukunceda uqonde apho ulahlekisayo okanye ungayikhohli into ethile kwisicwangciso sakho. Iingxelo zemali ezidlulileyo zangaphambili kunye neeprojekthi zokuhamba kwemali ezizayo ziphakathi kweemali eziphambili oyifunayo njengenxalenye yesicwangciso sakho seshishini sabanini-mali. Emva kweenyanga ezimbalwa zokulandelela, uza kufumana ithuluzi lokulawula eliyimfuneko.