Indlela yokwenza uhlahlo lwabiwo-mali olusekelwe kwiZiko lakho

Izandi zohlahlo lwabiwo-mali olusekelwe kwi-Zero njengenye yezo ngcamango abancinci abasomashishini abazisa kwingxoxo xa befuna ukugcizelela abaphathi bezoshishino kunye nabatyala bezithunywa zezulu. Kodwa loo mfuneko ayifuni ukukuthusa okanye ikuthumelele ukuyisebenzisa kuyo yonke imicimbi yokunxibelelana. Kunoko, qondani ukuba yindlela ekhohlakeleyo yolawulo lwezoshishino iinkampani ezisetyenziswa kuwo onke amanani, ukusuka kumashishini amancinci ukuya kwiinkampani ezininzi, kwaye nayo inokunceda ibhizinisi lakho likhule kunye nokuzinza .

Uluphi uhlahlo lwabiwo-mali?

Ukususela kwi-"zero base" (okt, kungekho zilinganiso okanye iindleko ezithwele), ixesha ngalinye kwikhalenda yenkampani lihlahlowe ngokupheleleyo malunga neemfuno kunye neendleko zelo xesha. Ingaba inyanga, ikota okanye ngonyaka, ixesha lingaba nawuphi na umlinganiselo wexesha elisebenza kakuhle kwi shishini lakho.

Ekuqaleni kwexesha elitsha, iimfuno zezemali kunye neendleko ezifanelekileyo ziyiziphumo eziphambili zebhajethi yenkampani, kungakhathaliseki ukuba uhlahlo lwabiwo-mali luphezulu okanye linciphisa ixesha elidlulileyo. Xa ixesha elilandelayo liqala, ubuyela kwisiseko se-zero kwaye uphinda inkqubo.

Ingaba isebenza kanjani?

Uhlahlo lwabiwo-mali, okanye uhlahlo lwabiwo-mali, luquka ukulawula imisebenzi yenkampani ngokusekelwe kuhlahlo lwabiwo-mali kwixesha elidlulileyo. Ngokomzekelo, ukuba inkampani ilindele ukongeza kweepesenti ezingama-5 kwimveliso ngokubuyisa umthengi omtsha, bafaka nje iipesenti ezi-5 kwisabelo-mali ukususela kwixesha eliphambi kwexesha.

Uhlahlo lwabiwo-mali olusekelwe kwindleko lubona ukuba zonke iindleko zangaphambili zemveliso kunye nemisebenzi ziyimfuneko, kwaye ziqhubela phambili kunye nokugcina uhlahlo lwabiwo mali ngaphandle kwemali.

Kuhlahlo lwabiwo-mali olusisiseko, zonke iindleko kufuneka zilungele ixesha ngalinye, ngoko ke iindleko eziphindaphindiweyo ziyahlaziywa, zize zivunywe, zilungiswe okanye zishiye ngokuxhomekeke ekufuneni.

Kwaye iindleko ezintsha ziyahlaziywa ngqalelo enye njengoko kubhajethi bendabuko, kodwa rhoqo ngokuqonda ukuba iindleko kufuneka zilungiswe kakuhle ukuze zilunge kunye nexabiso.

Ngokomzekelo, ukuba unomntu osisigxina oqhuba ipropati yezinto eziphathekayo ezivela ekhaya lakho, unokwenza isigqibo sokuphumeza uhlahlo lwabiwo-mali olusisiseko ukwenzela ukuphucula ukusebenza kakuhle emva kokuba ugqibe ekubeni uthathe ishishini lakho jikelele kwaye uthumele phesheya kwelinye ilizwe. Omnye ummandla oku kunokuchaphazela zakho iindleko zokushicilela. Emva kokuphonononga okubanzi, uqaphele ukuba unako ukuhlawula iifizi zokuthumela iimpahla kunye nokunciphisa ixesha lokujika ngokuthenga abashicileli ababini abatsha kunye nokusebenzisa ubuninzi bokuthenga umshicileli wenkqongo ngenxa yobambiswano obutsha kunye nomthengisi wendawo. Ngexesha elilodwa, uya kuhlolisisa yonke into okanye iindleko zakho ukufumanisa ukuba iindleko zichanekile kwisabelo-mali sakho kunye nokubuyisela okubalulekileyo kwi-investment yakho .

Uqala Njani?

Amanyathelo okuqalisa indlela yokuhlawula ibhajethi esekelwe ngqo:

1. Ukuchonga injongo yakho. Ngaba unethemba lokwandisa imali ngeepesenti ezili-10? Ngaba ufuna ukunciphisa iindleko ngeepesenti ezi-2? Iinjongo zakho kufuneka zilinganiswe kwaye zifikeleleke ngexesha elikhethiweyo.
2. Cinga indlela ongayifeza ngayo le njongo. Yintoni onayo kwi-arsenal yakho engasetyenziselwa ukulungiswa kweendleko, ukusebenza kakuhle okanye izixhobo ukuze ufinyelele injongo yakho?

1. Hlola iindlela ozikhethayo ukusuka kwisinyathelo 2. Ngaba ukuphumeza umsebenzi omnye kukunceda ufezekise injongo yakho? Okanye ngaba ufuna ukuphumeza izifundo ezininzi zokwenza? Yaye ukuba kunjalo, ngaba uyabagxotha ngabanye emva kwexesha okanye zonke kanye kanye?
2. Ukubeka phambili phambili umsebenzi wakho omtsha kunye nokubhala iindleko ezifunekayo zokuphunyezwa.
3. Hlola zonke iindleko kunye neendleko ezifunekayo kwixesha elizayo kuzo zonke iinkalo zeshishini lakho (okanye isebe oceba ukulungelelanisa ukuhlangabezana nomgomo wakho). Faka iindleko ezifunekayo kumsebenzi omtsha owawubhalwe kwisinyathelo 4.
4. Ukuba uhlolo luhlangabezana nokuvunyelwa kwakho kwaye zonke iindleko zilungeleleneyo, zibandakanye ekuphunyezweni kwaye zilandele uhlahlo lwabiwo-mali.
5. Ekupheleni kwexesha, hlola iimilinganiselo zakho uze ubone ukuba udibene nomgomo wakho. Ngaba ukuphunyezwa kuhamba kakuhle? Ukuba ngaba kwenziwe iimpazamo, ngaba ufuna ukulungelelanisa nokuqhubeka phambili nenkqubo kwithuba elilandelayo? Okanye unqande umsebenzi (s) ngokupheleleyo?

1. Qala kwi-step 1 ekuqaleni kwexesha elitsha.

Kutheni Kungenzeka Kukufanele?

Ngenxa yesakhiwo sazo, uhlahlo lwabiwo-mali olusisiseko luvumela abanikazi bamashishini ukuba bahlanganise izicwangciso ezintsha kwixesha elingenalo ukwesaba ukulahlekelwa ukuzinza. Ngokuqhelekileyo ukusekwa ngokugxininisa, inkqubo inika abanikazi bezithuba ithuba lokuba batyelele kwiiplani zabo zokusetyenziswa kwaye baphephe ukunyuka kwebhajethi ye-blanche engabonakali ukubuyela kwi-investing ixesha elide.

Enye kunye nolu hlobo lwenkqubo yolawulo lwezoshishino luyakwazi ukunciphisa iindleko zemisebenzi yemihla ngemihla. Izixhobo zabelwe kuphela xa zifuneka, ukunciphisa inkunkuma kunye nokuhlengahlengiswa ngelixa kuqhubeka ukwandisa uxhulumaniso phakathi kwamasebe afuna ukulungelelaniswa okungcono ukuhlala kwisabelomali.

Kutheni Kungenakulungele?

Enyanisweni indlela leyo ingakhokelela ekunciphiseni iindleko zokusebenza kwamashishini amakhulu, kodwa oku kusho njalo ukuba amasebe angenayo engenayo engenayo engenako imali angatshintshwa okanye ahlawulwe ngemali. Apho ezinye iindawo zebhajethi yakho ezifana nokuveliswa okanye ukuthengiswa kuya kulungelelanisa iindleko zabo ngokulula, ezinye izinto eziyimfuneko ezifana neenkonzo zabathengi okanye uphando kunye nophuhliso lunokuba nexesha elilukhuni xa lilungelelanisa iindleko zazo ngaphaya kwexabiso elincinci.

Enye ingozi yokuhlahlo-lwabiwo-mali kusetyenziswa ixesha elixhatshayo xa kuthelekiswa nohlahlo lwabiwo-mali okanye uhlahlo-lwabiwo-mali. Oku kuyinyaniso ngokukodwa kwiinkampani ezinkulu, kodwa iyanamathisela okwenene abanikazi bamashishini abancinci. Ukuhamba kuyo yonke into emgca ngexesha lonke elibonisa ukuba liyimfuneko lingaba nzima kakhulu kunye nokusetyenziswa kakubi kwexesha lakho.

Uyakuthabathaphi?

Kungakhathaliseki ubungakanani benkampani yakho, uhlahlo lwabiwo-mali olusisiseko lufuna ukuba ukhangele ngokukhawuleza ukuba yiyiphi ixabiso eliqhubayo kwinkqubo yakho. Nangona ixesha lidla, yindlela, xa isetyenziswe ngokuchanekileyo, oku kungakhokelela ekuzinzeni okukhulu nokukhula okulinganayo.

Ekugqibeleni, wonke oosomashishini okhetha ukusebenzisa uhlahlo lwabiwo-mali olusisiseko ngokusebenza kwabo ngokuqinisekileyo uya kufunda ukubaluleka kwexesha lokutyalomali kunye nezixhobo zokukhokela ukusebenza kakuhle nexabiso.