Ulunge iSicwangciso, Ubungcono kuMthengisi
Ngamanye amaxesha kudibaniswa neSicwangciso soShishino kuba abantu abaninzi basebenzisa le mibono emibini ngokungafaniyo, iSicwangciso seMali sigxile kwimpilo yezemali yangoku yesitolo sakho sokuthengisa ngokubhekiselele kwisicwangciso soshishino esicacile kwimibono yakho yevenkile yokuthengisa.
Lo mbono, ngokuqhelekileyo ukhankanywe kwiSishwankathelo esiLawulayo, kukulungele ukufumana inkxaso-mali ekuqaleni. Kodwa isicwangciso sezimali sombono siboniswa kwipro-forma yakho -eyona fayile ehlukileyo ngokwenene. Ipro-forma ichaza oko ucinga ukuba kuya kwenzeka xa yonke into ihamba njengoko ihleliwe. Kwaye, kunjalo, akunakwenzeka ukuba yonke into ihambe njengoko ihleliwe.
Isiqhelo esihle kakhulu kukubandakanya iSicwangciso seMali ngaphakathi kwesiCwangciso soShishino sakho sonke - ngokukodwa emva kokusungula ishishini lakho. Unyaka ngamnye, thabatha usuku kwaye ubuyekeze iShishini soShishino kunye neZimali ukuze ubone indlela oyenzile ngokwesicwangciso kunye naluphi utshintsho omele ulwenze kunyaka ozayo.
Oko kufaka:
Xa ubhala isicwangciso semali, qiniseka ukuba uquka oku kulandelayo:
- Uphulo-Ukuhlalutya
- IiNkcazo zeNzuzo kunye neLifa
- Izicwangciso zokuhamba kwemali
- Ishiti yokudibanisa izibalo
- Amashishini
- Jongana nazo zonke iingozi
Isicwangciso sezemali kufuneka sinikele ubungqina kunye namanani abonisa ukuba kusondele kangakanani ukuba ishishini likhule kunye nendlela ukukhula okuya kuxhaswa ngayo.
Phinda uphinde uphinde ubhale ezinye iinkcukacha ezichanekileyo kwisishwankathelo. Gcina ukhumbule ukuba kubalulekile ukuxhasa isicwangciso sezemali inxalenye yesicwangciso soshishino kunye nophando olucweyo. Qiniseka ukuba amanani ayongeza. Ukuba ubhala isicwangciso seshishini sokuxhaswa kwemali, zonke iingcinga kunye nokuhlawulela kwemali kufuneka kube nengqiqo kumboleki.
Isicwangciso sakho kufuneka sihlanganise ixesha eli-5 leminyaka. Ngethuba uvavanyo lweeminyaka emihlanu luyinkxalabo kwaye mhlawumbi ilungile lunikezwe ngolu hlobo lwentengiso, ukuba le nto phambili ekukhangeleni kwisitolo sakho sokuthengisa iya kuba luncedo olukhulu ekucwangciseni. Ikwasebenza njengendlela yokulinganisa okanye i-barometer yempumelelo yakho kwisicwangciso sakho.
Okona ubuncinci, ubuncinane kwiminyaka emithathu yemali yakho kufuneka icwangciswe kwaye iprojekthi. Sebenzisa ixesha elifanelekileyo apha. Iprojekthi iminyaka emine nantlanu, kodwa sebenzisa ikhefu "lokukhula" elula (kwiindleko zombini kunye nokuthengisa) ukuqikelela. Kodwa kwiminyaka emithathu yokuqala, cwangcisa ixesha, ukutshintsha kwimozulu yezoqoqosho, njl. Xa ndandisebenzisa ukwenza izicwangciso zam ezitolo zethu, ndahamba ngemini kwiminyaka emibili ezayo. Kwakunzima kakhulu ixesha, kodwa zenze izinto ezimbini kum.
Okokuqala, kwaqhubeka ndikwazisa kakuhle iimfuno zam zezimali zoshishino. Yona mpazamo eqhelekileyo ukusebenzisa iP & L ukuqhuba isitolo sakho sokuthengisa ngokubhekiselele kuhlalutyo lwemali. I-P & L yakho ( isitatimenti senzuzo kunye nelahleko ) ayibhali ngokuhlawulwa kwakho ngenyanga. Ngoko. kunokwenzeka ukuba ube ne-P & L ethi uyingenelo, kodwa usaphuma kwishishini ngenxa yemicimbi yokuhamba kwemali .
Okwesibini, linike isixhobo sokulinganisa kwisitolo sam esitolo. Ukunyaniseka, xa uqala ukuvula ivenkile, kunzima ukwazi ukuba kusebenza kakuhle okanye akunjalo.
Isitolo sam sokuqala sasineP & L esathi senza kakuhle, kodwa xa ndiyithelekisa neSicwangciso soShishino sam, sasisendleleni. Ingxenye yale nto yayingenxa yeemeko zemarike, kodwa yenza ukuba ndifunde iindidi ngokukhawuleza ukuba zikhange iipateni kunye neziganeko zokuqala.
Unyaka ngamnye, zikhiye kude usuku olupheleleyo - kungekhona kwisitoreji, kodwa indawo eyimfihlo ukukhusela iziphazamiso - kwaye uhlaziye iSicwangciso soShishino sakho. uhlalutye unyaka odlulileyo kwaye ulungelelanise iminyaka ezayo eqhubekayo eqhubekayo ukugcina umboniso weminyaka emi-5.
Nantsi inxalenye ebalulekileyo-iSicwangciso seMali sisenzo esiqhubekayo sezoshishino zakho. Nangona i-pro-forma yayisonke malunga nokubikezela, iSicwangciso seMali sibonisa imbali yamva kunye neendlela. Ndichitha ixesha elide kunyaka ngamnye ndenza ibhajethi yam yokuthengisa kunye nezicwangciso zeYicwangciso seMali, ngokuphindaphindiweyo amaxesha, ndizikhiphe kude kwimihla yokuyenza.
Yintoni eyayiyiprojekthi yonyaka yam ekugqibeleni yaba yonyaka. Ngamanye amazwi, ndiza kuhlola iSicwangciso samMali kwaye ndilungele zonke iinyanga. Ukuchaneka kwam isicwangciso sam, bhetele ibhizinisi lam. Ndikwazi ukulawula yam evulekile ukuthenga, yam markdowns. iindleko zam zokuthengisa kunye neyona nto ibaluleke kakhulu, ukuhamba kwam imali ngokwenza isilungiso kwisicwangciso sam ukuhlawulela iimeko ezikhoyo nokuba zilungile okanye zibi.
Okunye: 6 Izixhobo ezibalulekileyo zeSicwangciso soShishino loRhwebo