Nazi ezinye iimbono ezintathu zezemali kukunceda ukhumbule imigaqo ethile ebalulekileyo yemali eya kugcina ishishini lakho kwindlela efanelekileyo, ukuthetha ngokwezimali:
Iindleko ezithinteleyo kunye neNgcaciso yeNgeniso
Uninzi lwamashishini angena enkingeni kwizicwangciso zezemali kuba baqikelele ingeniso abaza kuyifaka (inzuzo engenayo, inzuzo, nangona ufuna ukuthetha), kwaye baqikelela iindleko zabo. Sonke senza oko, ingakumbi kwixabiso leendleko. Kwiphina iphrojekthi okanye ukuthengwa, ufumana iindleko, kwaye kabini iindleko kunye nexesha, kwaye ungase ube malunga noko.
Ukungaphantsi koqikelelo lweendleko zokuqala ishishini lakho kunokuthetha ukuba awuyi kukwazi ukuhlawula iibhokhwe ade uhlawule imali. Okanye kuya kuthetha ukuba kufuneka udibanise kwiimali zakho zokuzifaka imali kwi-shishini okanye ngemali mboleko kwi shishini kwiprojekthi.
I-DSATM (Musa ukusebenzisa yonke iMali)
Ukuba unemali kwishishini lakho ukukhangela i-akhawunti, yichithe, kodwa akuyiyo yonke into.
Kunzima ngamanye amaxesha xa uzibophelele kwizinto kwaye uzive ufanele uchithe imali ukuze uvuselele ukuzibophezela kwakho. Ngokomzekelo, masithi uthathe isigqibo sokuqesha umncedisi. Uhamba kunye neveki ezimbalwa kunye naye uze uqaphele ukuba awunayo imisebenzi eyaneleyo kwaye unayo imali eyaneleyo.
Uziva uzibi, ngoko uqhubeka uhlawula umncedisi nangona ukuhlawula i-VA kuthetha ukuhlawula ezinye iindleko. Musa ukuchitha yonke imali kuthetha uhlahlo lwabiwo-mali olujongene nokuhlawula iindleko zoshishino kwaye ungathathi imbopheleleko yemali uze uqiniseke ukuba unemali engenayo eqhubekayo ukuxhasa ezi mfanelo.
Khumbula ukuba iCash nguKumkani
Leli lizwi lithathwa ngabantu abahlukahlukeneyo, ngokuyininzi babeyi-GE Chairman uJack Welch. Ukuqhubeka kwesi sicatshulwa kuthiwa: "Ngaphandle kwemali, bakhupha ngaphandle komdlalo." Xa sithi, "imali iyinkosi," sithetha ukuba, kungakhathaliseki ukuba ucinga kakuhle ukuba ishishini lakho lenza ntoni, xa ekupheleni kwenyanga unayo iindleko ezingaphezulu zokuhlawula kunokuba unayo imali yokuzihlawulela, ukhona ngxaki.
Ngoko ukhawuleza encinane, uboleka kwi-akhawunti yakho yasebhanki. Inyanga ezayo, into efanayo. Ekupheleni kosuku, ngezinye iinkalo, ishishini lakho liya kuphumelela, ngenxa yokuba uphelelwe yimali. Amashishini amaninzi abukeka enenzuzo ephepheni, kodwa abanakho ukuhamba kwemali enemali (ngaphezulu kwemali ezayo kunokuphuma) ukuqhubeka uhlawula iibhili. Kuyinto engavamile, kodwa kwenzeka njalo. Yingako amashishini amaninzi amaninzi ahluleka. "I-Cash nguKumkani" nayo ihambelana ngqo ne-DSATM kwaye iphantsi / i-overestimating.
Ukulawula ubomi bakho bombhalo obhaliweyo bunzima njengokuba uzama ukufumana indlela yokufumana abalinganiswa bakho ukuba basebenzisane.
Ezi zintathu "imithetho yesithupha" yokuba amabhizinisi azwakala alula, kodwa akulula ukwenza ukuba kwenzeke. Ukulawulwa ngokunyanisekileyo kwemali yakho, kungabi ngaphezu koqikelelo okanye ukungaphantsi kwemilinganiselo, kwaye ukuqonda imali ngexesha lonke, kunokukunceda ibhizinisi lakho kumaxesha anzima.