Indlela yokudala uhlahlo lwabiwo-mali lweeMali zokuPhucula ukuThuthukiswa kweNgcaciso yakho

UCwangciso lweMali elifutshane elifutshane

Akukho nto ibaluleke ngakumbi kwishishini lakho ngaphandle kwekheshi. Indlela ehamba ngayo imali kunye nokuphuma kwishishini lakho ibizwa ngokuba "ukuhamba kwemali," kunye nokuhamba kwemali kunokubahluko phakathi kokuhlala kwishishini kunye nokuhamba ngesisu. Uhlahlo lwabiwo-mali lubeka iipatheni zendlela ongena ngayo kwaye uhlawule imali ngexesha elithile lexesha, njengenyanga, kwikota, okanye ngonyaka. Injongo yakho kukugcina imali eyaneleyo yokusebenza kunye namatyala ngaphandle kokushiya imali eninzi engenzi lutho okanye engenakuvelisa.

Nangona kungenakwenzeka ukuqikelela ngokucacileyo ukuba imali yakho iya kuhamba njani nawuphi na inyanga enikeziweyo, inkqubo yokwakha uhlahlo lwabiwo-mali kwaye uyithelekise nenyaniso iya kukunceda ukulawula iincinci kunye nokucwangcisela ukusetyenziswa okufanelekileyo kweemali ezingaphezulu.

UCwangciso lweMali elifutshane elifutshane

Uhlahlo lwabiwo-mali lunye lwezixhobo eziphambili ezisetyenziselwa ukucwangciswa kwexesha elifutshane ukwenzela ukuceba ukuhamba kwemali. Ngokuqhelekileyo kuphuhliswa kwinyanga nganye ngenyanga. Uhlahlo lwabiwo-mali olulungileyo luvumela umnini ukuba abone iimfuno zeemali zexeshana kunye namathuba oshishino. Enye inyanga, i-firm ingaba nemali eyongezelelweyo kwaye iyakwazi ukugcina imali ethile kwingxowa-mali yemarike okanye ukuxhamla inzuzo kwimarike. Enye inyanga, i-firm ingaba ne-shortage kwaye kufuneka ihoxise imali ethile kwi-savings okanye ifake isicelo somboleko webhanki kwixesha elifutshane ukulungiselela iimfuno zayo.

Uyabona ngokujonga le nkcazo yebhajethi yemali ukuba abanikazi belizwe bafumana imali engenayo yemali (iindleko zentengiso) kunye nokuphuma (izindleko) ngenyanga nganye ngenyanga ukwenzela ukubala imali yabo eyongezelelweyo okanye ukunyuka kwemali ekupheleni ngenyanga.

Esi sixhobo esiluncedo ngokusisigxina sexesha elifutshane kumnini-shishini lomncinci.

Iinqununu ezintathu eziphambili

Kukho izinto ezintathu kwinkqubo yokuphuhlisa uhlahlo lwabiwo-mali:

• Ixesha lexesha (inani lexesha ophuhlisa ngayo uhlahlo lwabiwo-mali)
• Isikhundla semali esithandayo (inani lemali ofuna ukuyigcina ngokususela kwisimo soshishino lakho, ukuhamba kweeakhawunti ezifunyenweyo, kunye nokuba kunokwenzeka utshintsho olunzulu njengethuba elikhawulezileyo okanye kwenzeka ngokungahambi kakuhle)

• Ixabiso lokuthengisa neendleko ngexesha lexesha elikhethiweyo

Ngenxa yokuba ukuthengisa kunye neendleko ziqikelelwa, uhlahlo lwabiwo mali aluyi kuchaneka ngokupheleleyo, kodwa ngokuhamba kwexesha uya kuba nolwazi olubanzi ekuthengiseni iindleko kunye neendleko zonyaka.

Uhlalutyo

Emva kokuba uhlahlo lwabiwo-mali luyakulungelelanisa uza kuluqhathanisa nokusebenza kweyona nkampani yehlabathi. Ngokuqinisekileyo kuya kufuneka ukuba ulungele uhlahlo lwabiwo-mali njengoko utshintsho lwenzeka ngokusekelwe kwiindleko ezingalindelekanga okanye i-windfalls. Oku kuya kunika igalelo lehlabathi langempela ukulungisa utshintsho-mali lwale mali, kwaye uhlaziye ukucinga kwakho ngexesha elizayo.

Abanikazi bamashishini amancinci kufuneka bahlawule ngokugqithiseleyo indawo yabo yemali, ukuhamba kwemali kunye nokuqinisekiswa kohlahlo lwabiwo-mali. Ukulungiselela uhlahlo lwabiwo-mali lwangenyanga ngokumalunga neengxelo ezichanekileyo ziya kunika ulwazi olunokwenza usebenze ukwenza izigqibo ezibalulekileyo. Ngaphandle kwezi zixhobo, kukho ithuba elihle lokuba uya kufumana umbutho wakho imali engafanelekanga okanye ukuphefumula ngemali engenayo imali engasetyenziselwa ukuphucula umgca.