Ekubeni ungekho ulwazi oludlulileyo oluqhubekayo, kufuneka udale uhlahlo lwabiwo-mali usebenzisa uqikelelo oluhle malunga neengeniso kunye neendleko (mhlawumbi wazi njengenzuzo kunye nelahleko yesitatimende) .
Le "indlela yokuqwalasela" iza kugxila kwi shishini kunye nempahla yeemveliso kodwa iya kuxubusha ngezoshishino zenkonzo ngaphandle kwemveliso.
Ngaphambi kokuba uqale, cinga ukuba kutheni ufuna ukuchitha ixesha lokudala uhlahlo lwabiwo-mali . Nangona akudingeki ukuxhaswa kwebhanki, ukudala uhlahlo lwabiwo-mali kuseyindlela ebalulekileyo kuyo yonke ibhizinisi elitsha kunye eliqhubekayo.
Uhlahlo lwabiwo-mali lweShishini -Sinyathelo ngeNyathelo
Ubunzima: Umyinge
Ixesha elifunekayo: iiyure ezingama-2-10
Inyathelo 1 - Yintoni oyifunayo "usuku olunye" lwebhizinisi lakho?
Qala ngokugqiba oko uza kwenza "usuku olunye" lweshishini lakho, ukuze uvule iingcango (okanye uthathe iwebhusayithi yakho iphile) kwaye uqale ukuwamkela abathengi. Uhlahlo lwabiwo-mali luqala ukuhlaliswa kwiinqanaba ezine (kuxhomekeke kwimeko yakho, ezinye iindidi ezingenakusebenza kwi shishini lakho.) Udidi lokuqala luyimpahla echanekileyo (izixhobo kunye nezixhobo) ezifunekayo ukuseta indawo yakho; iklasi yesibini enye iindleko zokuqalisa.
Izixhobo .
Eli candelo liquka ukugcinwa kwemali yokukhutshwa kwempahla, ifenitshala kunye nokulungiswa kwempahla, ukuphucula umqeshi, kunye nempawu.
Izixhobo zokusebenza , kuquka ifenitshala yeofisi, iikhomputha, kunye nezixhobo kunye nemveliso kunye nezixhobo zokuthumela kunye nemishini.
Ukuqhubeka neendleko zokuqalisa:
Izinto kunye nezinto eziphathekayo , kwiofisi yakho kunye nemimveliso yemveliso kunye nokubonelela ngeenkonzo zokuthengisa kunye nokukhuthaza.
Ezinye iindleko, njengommeli wokuqala kunye neemali zokumiselwa kwemali, iilayisenisi kunye neemvume, idijithi ye-inshorensi kunye neentlawulo zokuseka uhlobo lwakho lwezoshishino.
Faka izinto ezifaka isandla kwi-shishini, njengefowuni kunye nefenitshala yeofisi. Qaphela ezi zinto ukuze uzuze iitaliti ngabo.
Inyathelo 2 - Ziziphi iindleko zakho zenyanga kunye nezindleko?
Hlanganisa ulwazi ngeendleko zakho ezizinzileyo ngenyanga. Ezi iindleko ezingatshintshi, kwaye azixhomekeke kwinani labathengi abanalo . Nolu uluhlu lweendleko eziqhelekileyo zenyanga eziqingqiweyo:
- Irente
- Izixhobo
- Iifowuni (iifowuni zoshishino kunye neefowuni
- Ukukhishwa kwekhadi lokuthenga ngetyala-intlawulo yenyanga yenkonzo
- Imirhumo yenkonzo yewebhusayithi
- Izibonelelo zokuqeshisa izixhobo
- Unikezo lwe-ofisi
- Ukufundwa / Ukubhaliselwa
- Ukupapashwa, ukuBhengezwa, kunye nokuzibophezela, njengencwadi yefowuni, iintengiso ze-intanethi
- Inkampani yomshuwalense
- Iimali zengcali (zomthetho kunye neengxelo)
- Umvuzo / Umvuzo wabasebenzi
- Iziko. Iindleko
- Iintlawulo zentlawulo yeMashishini
Bese ukongeza iindleko eziguquguqukayo. Ezi iindleko eziza kutshintsha kunye nenani labathengi osebenza nazo nyanga zonke. Ezi ziquka:
Kuya kuba lula ukufumana indleko nganye yunithi ithengiswe kwisinyathelo esilandelayo.
- Iikhomishini ekuthengiseni
- Iindleko zokuvelisa
- Iimpahla ezingekasilwa
- Ixabiso lentengo yeempahla eziza kuthengiswa kwakhona
- Iipakethe kunye neendleko zokuthumela.
Inyathelo 3 - Linganisa Intengiso Yenyanga
Oku mhlawumbi kunzima kunxalenye yoluhlahlo lwabiwo-mali, kuba awukwazi ukuba kuthengiswa yintoni inkampani entsha. Unokufuna ukwenza izinto ezintathu ezahlukeneyo zokuthengisa:
- Iimeko eziphambili zeimeko, apho ubonisa ukulinganisela kwakho kunethemba lokuthengisa ngonyaka
- Iimeko ezimbi kunazo zonke, apho ubonisa imeko encinci yezinto ezintle, kunye neentengiso ezincinci kwiinyanga ezintandathu zokuqala ukuya kunyaka
- Mhlawumbi imeko, kwindawo ethile phakathi. Ingaba imeko iya kuba yinto yokubonisa umboleki wakho.
Kubandakanya ukubala kwepesenti zokuqokelela
Ukuze ube neengqiqo kuhlahlo lwabiwo-mali, kufuneka ucinge ukuba akuthenganga zonke iintengiso. Ngokuxhomekeke kwindlela yoshishino onayo kunye nendlela abathengi abahlawula ngayo, unokuba neepesenti ezinkulu okanye ezincinci zokuqokelela.
Faka ipesenti zeqoqo kunye nokuqikelelwa kwakho kweentengiso nganye ngenyanga. Ngokomzekelo, ukuba uqikelele ukuthengisa kwiNyanga enye ibe yi-$ 50,000 kunye neepesenti zakho zokuqokelela i-85%, bonisa imali yakho ngenyanga leyo ibe yi-$ 42,500.
Bala iindleko eziguquguqukayo zokuthengisa kwenyanga nganye ngokusekelwe kwintengiso kwenyanga. Ngokomzekelo, ukuba ukuthengisa okuqikelelwa kwinyanga kukho iiyunithi ezingama-2 500 kwaye iindleko zakho eziguquguqukayo ziyi-5.50 yeyunithi nganye, iindleko eziguquguqukayo zenyanga ziya kuba yi-$ 13,750.
Yongeza iindleko eziguquguqukayo zenyanga nganye kwiindleko zenyanga ezizeleyo zokufumana iindleko zenyanga zenyanga (iindleko). Unokuba ufuna ukubala ikhefu lakho- uze udibanise ukufaka ibhajethi yakho.
Inyathelo 4 - Yenza isitatimende sokuhamba kwemali
Hlanganisa ngokudibanisa iindleko ezipheleleyo kunye neentengiso ezipheleleyo kunye neengqokelela kwinyanga nganye. Ii-totals zenyanga ziza kujonga into enje:
- Ukuthengisa ngeenyanga ngenyanga $ 50,000
- Ukuqokelela i $ 42,500
- Iyonke iindleko ezizinzileyo ezingama-26,900
- Iindleko ezipheleleyo zibiza i-$ 13,750
- Ingqekembe yemali engama-2,150
I-$ 2,150 ibonisa ibhalansi yakho yemali epheleleyo ngenyanga leyo, kungekhona inzuzo yakho.
Ngokutshintsha izibalo zakho zokuthengisa usebenzisa iziganeko ezintathu ezilapha ngentla, ungabona umphumo kwikholeji yakho yemali ekupheleni kwenyanga nganye. Le ibhalansi yemali ingakunika ulwazi malunga neemfuno zakho zeemali kunye nokuba ungayimfuneko kangakanani ukuboleka imali yokusebenza .
Iingcebiso zokudala ibhizinisi lakho Ukuqalisa uhlahlo lwabiwo-mali
- Sebenzisa iprogram yakho yesofthiwe yenkcazo yokwenza uhlahlo lwabiwo-mali, ngoko unokusebenzisa i-akhawunti ekhoyo kwaye wenze utshintsho ngokulula.
- Ukuba awunayo inkqubo yesofthiwe yokuphendula, ungasebenzisa inkqubo yespredishithi.
- Abaninzi ababolekisi badinga iminyaka emithathu yemali yokuphuma kwemali kwinyanga nganye ngenyanga, kunye neminyaka emithathu yeeNgxelo zeNgeniso zonyaka kunye neNyanga (P & Ls).
- Intlawulo yerhafu yindleko eguqukileyo, kwaye awukwazi ukuba yintoni na irhafu oza kufuneka uyihlawule uze ubale inzuzo yakho yomnatha. Musa ukufaka iirhafu kwiindleko ezichanekileyo okanye iindleko eziguquguqukileyo kodwa wenze ezi zihlu ezihlukeneyo.
Okokufunayo Ukudala iBhajethi yakho
- Inkqubo yesofthiwe yokuphendula okanye iprogram ye-spreadsheet.
- Ulwazi malunga neendleko ezihambelana nokuthengiswa kwemveliso.