Ngelishwa, impendulo ayilula. Iziganeko ezininzi ziya kufikelela kwisilinganiselo somntu, kubandakanywa neendleko zokuqhuba iimeko , imivuzo kunye neenzuzo.
Inyani le nto kukuba amaxabiso ahluka ngokusekelwe apho usebenza khona ishishini lakho, iindidi zeeprojekthi ozithathayo, kunye nokuba yiyiphi imarike ekulungele ukuhlawula.
Kuxhomekeke kwi-market target. Oko kukuthi, umxhasi wakho okanye ithemba liza kuba nebhajethi ekujoliswe kuyo, kwaye iinkonzo zakho kufuneka zincintisane nakwezo mpawulo.
Izindlela Zabalungiseleli Bemihlali Ukwakhiwa Kwemali Yabo
Nangona kunjalo, ukuba ufuna ukuqala ixesha lesigxina okanye kwanexesha elizeleyo, kukho iindlela ezinhlanu zokuseka umrhumo wakho wezehlakalo kunye nokucaphula iifizi zakho kubaxumi bakho:
- Imali yeprojekthi yeplati
- Ipesenti yeendleko
- Ireyithi yehora
- Ipesenti yeendleko kunye nentlawulo yeeyure
- Amaxabiso afanelekileyo
Ngeenkcazelo ezilandelayo kunye nemizekelo, masicinge ukuba ufuna ukufumana imali engama-75 engama-iri nganye kwiinkonzo zakho.
Iimali ezisekelwe kwiNqanaba leProjekthi yePropati
Abathengi abaninzi banqwenela ukwazi ukuba ingaba iprojekthi iya kubabiza, iquka zonke iifizi. Njengomcwangcisi wesiganeko , ukuba unikezele oku, kufuneka umisele umrhumo weplati kwaye unqume ukuba zeziphi iinkonzo eziza kubanjelwa kuloo mali.
Oku kukubeka uxanduva lokulawula kwisabelo-mali ngqo kuwe, umcwangcisi, kwaye ufuna ukuba ulindele iimeko ezahlukeneyo apho iimeko zingatshintsha. Kule meko, umthengi unakho ukuthenga ngokuthe ngqo kunye nomcwangcisi wesiganeko ukulungelelanisa zonke izixhobo, indawo yokutya, indawo, izindleko zokulala, njl njl.
Imirhumo yeprojekthi yeplati isetyenziswa ngokuqhelekileyo kwiziganeko ezipakishwe, njengalezo ezifunyenwe ngeenkqubo zokuthengisa ezemidlalo, kwaye zingahle zibalwe kumntu ngamnye kunye nemimiselo eminingi.
Ngokomzekelo, cinga ukuba uqeshwe ukulungiselela ukuvakasha kwidolophu yosuku olulodwa lweendwendwe kwiindwendwe eziyi-15. Umxhasi wakho ufuna ufuna ukucaphula intlawulo ephathekayo yokuthutha, isikhokelo sabucala, isidlo sasemini kunye nayiphi na / yonke imali yokumkelwa kwiindawo; Nangona kunjalo, ucela ukuba unikeze ukuhla kwezinga eliphezulu kwento nganye yeendleko.
Kule meko, kufuneka uxoxisane / ubale iindleko zazo zonke iinkonzo, kubandakanywa nexesha lakho, kwaye ucacise inani elidibeneyo kwiindleko. Kuya kuba yimbopheleleko / umngcipheko wezehlakalo ukufumanisa idizithi ezifunekayo, ukuhlawula zonke iinkonzo, kwaye ubambe uxanduva kuzo zonke izivumelwano zenkonzo.
Iimali ezisekelwe kwipesenti yeendleko
Ngokomyinge, abacwangcisi beempumelelo abafanelekileyo banokuziva bekhululekile ngokuhlawula phakathi kwe-15-20% yeendleko ezipheleleyo zeganeko njengenxalenye yemali yabo. Ngokuxhomekeka kobunzima beprogram kunye nexesha elithathayo ukucwangcisa nokuqhuba isiganeko, ngamanye amaxesha kunokwaneleyo ukufihla iindleko ezipheleleyo kunye nomthombo wenzuzo.
Ngokomzekelo, cinga ukuba uqeshwe ukuba uququze isidlo sangasese kwindawo yokudlela ekhethekileyo kwiindwendwe ezingama-40 ezinomyinge wama-$ 175 ngomntu ngamnye.
Masiqikelele ukuba kuthatha iiyure ezili-15 ukudibana nomxhasi wakho, cwangcisa, uhambe uze uqedele konke ukulandelwa kulo mcimbi. Ukuba uhlawula ireyithi ye-18% yeendleko ezipheleleyo, uza kufumana imali encinane ngaphezu kweyure ejoliswe kwiiyure ezingama-75 / iyure:
Iindwendwe ezingama-175 x 40 = $ 7,000 x 18% = $ 1,260
Iiyure eziyi-15 x $ 75 / hr = $ 1,125
Ukuba umthengi uyayenza isivumelwano kunye nawe kuzo zonke iinkonzo ngokuthe ngqo, ukuhlawulwa kweendleko zentlawulo ye-subtotal kumthengi kuya kuba yi-8,260 yee-$.
Imali esekelwe kwireyithi yehora
Abanye abathengi bakhetha umcwangcisi wesiganeko ukucaphula ireyithi yehora yeenkonzo kunye nokuqikelela inani leeyure ukulawula nokuqhuba inkqubo yabaxhasi. Ingabonakala ifana nesilinganisi seprojekthi esicacileyo, kodwa ivumela ukuba kubekho ukuguquguquka kwimeko yamabini omabini ukulungelelanisa utshintsho olufunekayo endleleni.
Abaninzi abacwangcisi bemicimbi yezoshishino baya kuhlawulwa ngeyure ngeenkonzo. Ivumela umthengi ukuba azi ukuba kuza kuba neendleko ezinjani ukuqesha iinkonzo zakho kwaye umvumele ukuba abale ibhajethi efanelekileyo. Ngokuqhelekileyo, isizathu salo kukuba umthengi ufuna ukuphatha kakuhle kwiindleko ezingalindelekanga.
Hlalani nikhumbule ukuchaza iiparitha ezicwangcisekileyo malunga nokulindela ukwenzela ukuba amaqela omabini avumelanise ukuba zeziphi iinkonzo eziza kunikwa. Njengomcwangcisi wesiganeko, kufuneka udibanise ukubhekisela kwintlawulo kwiindleko zoshishino ezifanelekileyo ezinokuthi zenzeke.
Abanye abacwangcisi bezehlakalo bangabhawula iindleko zokusebenza ezifana nokuthunyelwa kwemoto, ukuqashisa imoto, kunye nezinye izinto ezixutywayo ngexabiso elimalunga nama-15-20% ngelixa abanye bengenzi; ukuba uyenzayo, kufuneka utyhile amanqaku afanelekileyo kwaye ufumane isivumelwano nomxhasi wakho kwangaphambili.
Xa kuziwa kwiirhafu zokucwangcisa umcimbi weeyure, kubalulekile ukubona ukuba ungayilwa kaninzi ixesha lakho.
Ngokomzekelo, masicinge ukuba umthengi uqeshe ngo-Oktobha ukulungiselela i-seminar yosuku olunye ngoMatshi. Iinkonzo zakho zithengiswa ukuba zithengwe kwaye zithethathe indawo, iinkonzo zokutya , i-A / V, kwaye igalelo ekudalweni kwimixholo yenani elinqinci lezinto zokunxibelelana (okt, isimemo, i-ajenda, ifom yokuhlola, njl.).
Umxhasi wakho uqeshe ukuba uhlinzeke ngolawulo lwesayithi. Useka isivumelwano phambi kokuba uza kuhlawula imali kwiinkonzo ezichongiweyo ngamaxesha ahlukeneyo, kwaye uzakuhambisa i-invoyisi kuzo zonke iinkonzo ezenzelwe ukuza kuthi ngeeveki, ze-Yakoekly, okanye ngenyanga.
Ngaphantsi kwesi sivumelwano, wena kunye nomxhasi wakho makabe esebenzela ingxelo ecacileyo yomsebenzi equka uxanduva olulindelekileyo lwamaqela omabini. Emva koko, unokuqikelela uhlahlo lwabiwo-mali lwamaxesha amaninzi kunye neendleko ezifanelekileyo (cacisa ukuba zeziphi iinkcukacha zingabandakanya).
Iimali ezisekelwe kwipesenteji yeendleko ezidityanisiweyo imali / ireyithi yehora
Ngamanye amaxesha uqeshwa ukuba uququzelele isiganeko, kwaye nawuphi na isizathu, umthengi ukhetha izinga elisekelwe kwipesenti yeendleko. Nangona kunjalo, oku akunako ukuhlawula iindleko zexesha lakho kunye neenkonzo. Kule meko, kunengqiqo ukubonisa imali yakho ngeendleko ezidibeneyo kwiindidi ezimbini ezahlukeneyo.
Umzekelo, umxhasi uqeshe ukuba uhlele iziganeko ezihambelana nenkomfa. Isabelo sakho kukuququzelela ezimbini izidlo zangasese kunye nokuphuma kwegalufu, nganye iindwendwe ezingama-50. Iindleko ezipheleleyo ezi ziganeko ezidibeneyo zihamba malunga ne-20,000 zamawaka, kodwa kufuna iiyure ezingama-60 zexesha lakho, kwaye ubunzima beli projekthi kunokubangela ukuba ulungelelaniso lwemali ephezulu. Ukugcina loo nto engqondweni, unokufika kwisamba sakho sokugqibela sentlawulo + umyinge weeyure kunye nezibalo ezilandelayo:
Ipesenteji yeeNdleko Ukulinganisela:
I $ 20,000 x 18% = $ 3,600Imilinganiselo yeeyure:
Iiyure ezingama-60 x $ 75 / hr = $ 4,500Ukulahleka kweeyure: $ 900
Ukuba ufikeleleke, njengokuba senze umzekelo ongentla, ungakhetha ukucaphula iiyure eziyi-15 ukulawula ukuthengiswa kwabathengisi abaninzi ngaphandle. Ukucaphula kwakho ke kunokubonisa oku kulandelayo:
Iindleko zeNdleko zoTywala : i-$ 23,600
I-Flat Fee: i-$ 1,125 (esekelwe kwiiyure ezili-15 kwi $ 75 / hr)
Kule meko, kuyakufuneka uqikelele ngokucacileyo ukuba uqikelele iiyure zakho ngokufanelekileyo (i-akhawunti ukujonganisa neendleko zokusebenza ezingaqhelekanga ezifana nokuhamba komntu siqu). Njengoko kulindelwe, bambalwa abathengi bayakuvuyela ukubona ukwanda kweendleko emva koko ngaphandle kokuba izizathu ezifanelekileyo zibonelelwa.
Iimali ezisekelwe kwiiRhafu eziKhomishoni
Enye indlela abacwangcisi bezehlakalo abaza kuqokelela iintlawulo zeenkonzo kukuba bafumane indawo yendawo yomcimbi kwiindawo ezinikezela ngezinga elikhokhwayo. Le yimali ehlawulwa ngokuqhelekileyo kwii-etikiti zokuhamba, amathala ehotele kunye nezinye iindlela zokuthutha.
Ngokomzekelo, amahotele amaninzi anokwandisa isantya esiya kuhlawulwa ukuya kuma-10% kwiihostwendwe nezinye iindleko.
Nangona abanye abacwangcisi bezehlakalo baya kwamkela iirhafu ezinokumisela njengemithombo yokufumana imali, abathengi abanokungabaza banokungabaza umcimbi wezityalo zokunyaniseka xa kubandakanywa amazinga athothokileyo. Ngenxa yeso sizathu, abacwangcisi abaninzi abanomdla baya kunciphisa nayiphi na indlela yokucwangcisa okubandakanya umlinganiselo ohlawulwayo okanye uxoxisana nexabiso elingahlawuliswayo kwiinkqubo zabo kwaye badlulise umthombo wokugcina imali ngqo kumxhasi wabo.
Ukongeza, abanye abathengi banokwazi ukuba iirhafu ezinokuthi zikhokhiswe kwaye azilindelanga ukuba ngabacebisi abangaphandle kubhaliso basebenzise naziphi na ezinye iindlela ezichaziweyo zokubhengezwa esizichaze kwaye zihlawule ixabiso elihlawulwayo. Ngokuqhelekileyo, ayithathwa njengoluhlobo oluhle ngabacwangcisi abaninzi bezehlakalo ukuba "baphonononge kabili" imali yabo yentlawulo ngale ndlela.
Ukuba ukwamkela amaxabiso amiselweyo, kungcono ukuba ungahlawulisi iimali zakho zabaxumi kwiinkonzo zakho usebenzisa ezinye iindlela zokuhlawula.
Kukho iimeko xa iirhafu ezinokuthunyelwa kwintsebenzo zenza ingqiqo, njengento encinci inzuzo okanye umbutho onokuqesha iinkonzo zakho kubungqina bombutho okanye intlanganiso kwaye ubuninzi beemirhumo zihlawulelwa ngokuthe ngqo ngabakhoyo ngaphandle kwintlangano.
Enye imeko ingenzeka ukuba umthengi wakho uthengisa izipho zomthengi kuwe, kwaye unakho ukubonelela ngeenkonzo zokuhambisa iinkonzo. Ngaloo ndlela, vele uxoxisane ngezinto ezikhuphisayo kwaye ungahlawulisi iinkonzo zakho ngeyure ngaphandle kokuba umthengi wakho azi zonke iindleko eziphambili.