Kufuneka Uninzi Kangakanani Imveliso Yakho okanye Isevisi?
Nangona kungekho namnye ongenawo ndlela efanelekileyo yokufumanisa isicwangciso sakho sexabiso, nantsi izikhokelo kunye neendlela zokwenza izinto eziza kukunceda wenze isinqumo esineenkcukacha ezihambelana neenjongo zakho zezoshishino.
Ngaphambi kokuba sifumane iindlela ezikhoyo zokubaluleka kwexabiso, nantsi ezinye zezinto omele uziqwalasele xa uzicwangcisa isicwangciso sakho sexabiso:
Ukubeka iSicwangciso sakho sexabiso
Ubeka njani imveliso yakho kwimarike? Ngaba intengo iya kuba yinxalenye ebalulekileyo kuloo ndawo? Ukuba usebenza kwisitoreji esisaphulelo, uya kuhlala uzama ukugcina amaxabiso akho aphantsi kangangoko kunokwenzeka (okanye ubuncinci ngaphantsi kwabancintisana nabo).
Ngakolunye uhlangothi, ukuba ubeka imveliso yakho njengomkhiqizo othe wodwa, ixabiso eliphantsi kakhulu linokulimaza inqaku lakho. Ixabiso kufuneka lihambelane nokubeka kwakho kwindawo yokuthengisa. Abantu ngokwenene banamathele ngcamango yokuba ufumana oko uhlawulayo.
Indlela Yakho Isicwangciso Sokuxabisa Esiya Kuchaphazela Ngayo
Ixabiso lakho liya kuthintela njani imfuno? Uya kufuneka wenze uphando olusisiseko lwemarike ukuze ufumene oku, nangona kungabonakali. Fumana abantu abayi-10 ukuba baphendule i-questionnaire elula, ubabuze, "Ngaba ungathenga le mveliso / inkonzo kwixabiso le-X?
Xabiso Y? Xabiso Z? "
Kwimveliso enkulu, uya kufuna ukwenza into engaphezulu, ngokuqinisekileyo-mhlawumbi uqesha uphando lweemarike. Kodwa nangona inye yodwa inokutsala ijika eliphambili elithi kwinqanaba le-X, i-X 'ipesenti iya kuthenga, kwixabiso leY, iY' iya kuthenga, kwaye ixabiso leZ liza kuthenga.
Iindleko
Bala iindleko ezichanekileyo neziguquguqukayo ezihambelana nemveliso okanye inkonzo yakho.
Ingakanani "iindleko zempahla", oko kukuthi, iindleko ezihambelana nento nganye ethengiswe okanye inkonzo enikezelwayo, kwaye ingaba "ubuninzi bombutho" bunjani, okt, ayitshintshi ngaphandle kokuba inkampani yakho itshintshe ngokukhulu ngokukhulu?
Khumbula ukuba umda wakho ophezulu (intengo yokunciphisa iindleko zeempahla) kufuneka uhlawule ngokugqithiseleyo ukulungelelanisa kwakho ukwenzela ukuba uphendule inzuzo. Abanini- barhwebi abaninzi banqabile ukubaluleka kwalokhu kwaye kubangelwa ingxaki emva kokukhetha ukulandela indlela engafanelekiyo yezinto zokuqhuba izinto zabo.
Izinto zendalo
Ngaba kukho nayiphi na imithetho okanye iminye imithintelo kwixabiso? Ngokomzekelo, kwezinye iidolophu, iindleko zokukhwela kwiingozi zengozi zibekwe kwixabiso elinqunywe ngumthetho. Okanye oogqirha, iinkampani ze-inshorensi kunye ne-Medicare ziya kuhlawula kuphela intlawulo ethile. Kwakhona, yiyiphi inyathelo enokwenzeka ukuba okhuphiswano bakho bathathe? Ingaphantsi kwexabiso elivela kuwe liza kubangela ixabiso lemfazwe? Fumana ukuba zeziphi izinto zangaphandle ezinokuchaphazela isicwangciso sakho sexabiso.
Isinyathelo esilandelayo kukugqiba iinjongo zakho zexabiso. Yintoni ozama ukuyifeza ngexabiso lakho?
Ixesha elifutshane eliNcedo lokuXhaxiswa njengeSicwangciso seNtengo
Nangona oku kuzwakala kukhulu, kungenjalo kungeyona ndlela efanelekileyo yeenzuzo zangexesha elide.
Le ndlela ixhaphake kwiinkampani ezixhomekeke kwi-bootstrapping, njengoko ukuhamba kwemali kukuqwalasela ngokugqithiseleyo. Kuqhelekile nakwiinkampani ezincinci zithemba ukukhangela imali ngokubonisa inzuzo ngokukhawuleza.
Ixesha elifutshane loNgeniso lweMali Ukuphakanyiswa njengeSicwangciso seNtengo
Le ndlela ifuna ukwandisa inzuzo yangexesha elide ngokunyusa isabelo semarike kunye neendleko zokunciphisa ngokusebenzisa uqoqosho lwezinga. Kwinkampani exhaswa ngemali okanye kwinkampani esandul 'utsha, iirhafu zibhekwa zibaluleke ngakumbi kunenzuzo ekwakheni ukuzithemba kotyalo-mali.
Imali ephezulu yokufumana inzuzo encinane, okanye ukulahleka, ibonisa ukuba inkampani iyakwenza isabelo semarike kwaye iya kufumana inzuzo. I-Amazon.com, umzekelo, ukuthunyelwa kwemali yokurekhoda irekhodi kwiminyaka emininzi ngaphambi kokuba ibonise inzuzo, kwaye ixabiso layo lemarike libonakalise ukuzithemba kwabathengi abaphezulu abaveliswayo.
Le ndlela yokubaluleka ibonisa ngokuchanekileyo umsebenzi wabo wokuba ngumthengisi omkhulu kwi-intanethi.
Ukukhulisa ubungakanani
Kukho izizathu ezimbalwa zokuba ukhethe icebo lentengo. Kungenzeka kukugxila ekunciphiseni iindleko zexesha elide ngokufezekisa uqoqosho lwezinga.
Le ndlela yokwenza intengo ingasetyenzwa yinkampani exhaswa ngemali ngabasunguli bayo kunye nabanye "abasondli" abasomali. Okanye kunokwenzeka ukuba ukwandisa ukungena kwemakethi , (cinga intlawulo yokungena ) efanelekileyo ngokufanelekileyo xa ulindele ukuphindaphinda abathengi. Esi sicwangciso sinokunyusa inzuzo ngokunciphisa iindleko okanye ukukhupha abathengi abakhona kwimveliso ephezulu-mali ngaphandle kwendlela.
Ukwandisa iMargin
Isicwangciso esixabisekileyo sichaphazelekayo xa kubalwa ukuba inani lokuthengisa liphantsi kakhulu okanye lingenakulinganiswa. Imizekelo ibandakanya ubuciko besiko, ubugcisa, iimoto ezenziwe ngesandla kunye nezinye izinto zokunethezeka.
Ukwahlukana
Ngenye indlela, ukuba inkokeli ephantsi kweendleko yindlela yokwahlula ukusuka kukhuphiswano. Kwesinye isiphelo, iimpawu eziphezulu zamanani ziphezulu kunye kunye / okanye izinga eliphezulu lenkonzo. Abanye abantu bayayilungisa i-lobster nje kuba yinto ebiza kakhulu kwimenyu, ukuze kubekho isicwangciso esixabisekileyo sexabiso.
Ukusinda
Kwiimeko ezithile, njengemfazwe yentengo, ukwehla kweemarike okanye ukuthengiswa kweemarike, kufuneka ulandele ixesha eliqhelekileyo eliza kuguquka iindleko kwaye kukuvumela ukuba uqhubeke nokusebenza.
Ngoku ukuba sinolwazi esikufunayo kwaye lucacile malunga noko sizama ukufezekisa, silungele ukukhangela iindlela ezithile zeendlela zokusinceda ukuba sifike kwiinombolo zethu zangempela.
Njengoko satsho ngaphambili, akukho "ndlela enye yokuchithwa kwexabiso" kuwo onke amabhizinisi asebenzise xa ubala ixabiso. Emva kokuba uqwalasele izinto ezichaphazelekayo kwaye uzibekele iinjongo zakho kwisicwangciso sakho sexabiso , ngoku ufuna enye indlela yokukhupha amanani.
Nazi iindlela ezine eziphezulu zokubala ixabiso lakho:
Ixabiso lentengo
Beka intlawulo kwiindleko zakho zokuvelisa, kuquka neendleko zombini kunye neendleko ezizinzileyo kumqulu wakho wangoku, kunye nomda othile wenzuzo.
Ngokomzekelo, amawijethi akho axabisa i-$ 20 kwizinto zokuvelisa kunye neendleko zokuvelisa, kunye nomthamo wokuthengisa wamanje (okanye ixabiso elithengisiweyo lokuthengisa), iindleko zakho ezihleliweyo zifika kwi-30 yecandelo ngalinye. Iindleko zakho zizonke i $ 50 nganye. Unquma ukuba ufuna ukusebenza kwi-20% yeempembelelo, ngoko ungeze i-$ 10 (iipesenti ezingama-20 x $ 50) kwiindleko uze uze ube nexabiso lama-60 engunithi nganye. Ngokude nje ngeendleko zakho zibalwa ngokuchanekileyo kwaye uqikelele ngokuchanekileyo umthamo wakho wokuthengisa, uya kuhlala usebenza kwinzuzo.
Iintengo zokubuyisela ixabiso
Beka ixabiso lakho ukufezekisa i-return-on-investment (ROI) ekujoliswe kuyo. Ngokomzekelo, makhe sisebenzise imeko echazwe ngasentla, kwaye sicinge ukuba unayo imali eyi-$ 10,000 etyalomali kwinkampani. Ixabiso lakho lokuthengisa elindelekileyo liyiyunithi ezili-1 kunyaka wokuqala. Unqwenela ukuphinda uhlawule lonke utyalo-mali wakho kunyaka wokuqala, ngoko kufuneka wenze i-$ 10,000 inzuzo kwiiyunithi ezili-1,000, okanye i-10 yenzuzo nganye yunithi, ukunika kwakhona ixabiso lemali engama-60 kwiyunithi nganye.
Ixabiso lentengo elisekelwe kwixabiso
Ixabiso lakho lemveliso esekelwe kwindleko edala kumthengi. Oku kudla ngokuba yindlela enenzuzo kakhulu yendlela yokwenza intengo, ukuba unokuyifezekisa.
Uhlobo olugqithiseleyo kulo "luhlawulela ukusebenza" intengo yeenkonzo, apho uhlawula kwizinga eliguqukayo ngokweziphumo ozifezekisileyo.
Masithi iwijethi yakho ngenhla igcina umthengi oqhelekileyo $ 1,000 ngonyaka, uthi, iindleko zamandla. Ngaloo ndlela, i-$ 60 ibonakala ngathi yintsebenziswano-mhlawumbi ingabizi. Ukuba umkhiqizo wakho uthembele ngokuqinisekileyo olo hlobo lokugcina imali, ungakhokhela kalula i-$ 200, i-$ 300 okanye ngaphezulu, kwaye abathengi bayakuhlawula ngokuvuyelayo, kuba baya kuzuza imali yabo kwinyanga. Nangona kunjalo, kukho enye into ebalulekileyo ekufuneka iqwalaselwe.
Ixabiso lentlalo
Ekugqibeleni, kufuneka uthathe ingqalelo ekuboneni umthengi wexabiso lakho, ukufaka izinto ezinjenge:
- Ukumiswa: Ukuba ufuna ukuba "inkokeli ephantsi kweendleko", kufuneka ube nexabiso elingaphantsi komncintiswano wakho. Ukuba ufuna ukubonakalisa umgangatho ophezulu, kufuneka ukuba ube nexabiso eliphezulu kuninzi lwakho ukhuphiswano.
- Amanqaku amanani adumekayo: Kukho "amanqaku exabiso" (amanani athile) apho abantu bazimisele ngakumbi ukuthenga uhlobo oluthile lwemveliso. Ngokomzekelo, "ngaphantsi kwe-$ 100" yindawo eyaziwayo yamanani. "Ngaphantsi kweedola ezingama-20 ukuya ngaphantsi kweedola ezingama-20 kunye nerhafu yokuthengisa" enye enye indawo ethandwa kakhulu, kuba "ibhawuntari enye" abantu abayithwalayo. Ukutya ngaphantsi kwe-$ 5 kusekho indawo eyaziwayo yamanani, njengento yokungena okanye izinto ezingekho phantsi kwe-$ 1 (qaphela ukuba zingaphi indawo zokutya ezikhawulezayo ezine-$ 0.99 "imenyu yempahla"). Ukunciphisa ixabiso lakho kwinqanaba lentengo elidumileyo lingathetha umgama osezantsi, kodwa ngaphezu kokunyuka okwaneleyo kwintengiso ukuze uyisuse.
- Intengo efanelekileyo: Ngamanye amaxesha ayinandaba nokuba ixabiso le mveliso liphi, nangona ungenakho ukhuphiswano ngqo. Kukho nje umda kulabo abathengi ababona "njengelungileyo". Ukuba kuyacaca ukuba umkhiqizo wakho ubiza i-$ 20 kuphela ukuba uyenze, nangona ukunikezela i-$ 10,000 ngexabiso, uya kuba nzima ukuhlawula i-dollar ezimbini okanye ezintathu kwii-dollar. Ukuvavanywa okuncinci kweemarike kuya kukunceda ukuba ubone inani eliphezulu labathengi liza kubona lifanelekileyo.
Ngoku, udibanisa njani zonke ezi zibalo ukuza neendlela zokwenza izinto ezisebenzela ishishini lakho? Nazi ezinye izikhokelo ezisisiseko:
- Ixabiso lakho kufuneka lanele ngokwaneleyo kuneendleko zokukhawulela ukuhluka kwexabiso lokuthengisa. Ukuba iprojekthi yakho yokuthengisa ayilungile, ingaba ungaba kude kangakanani kwaye unokuba luncedo? Ngokufanelekileyo, ufuna ukukwazi ukukhutshwa ngumbandela wezinto ezimbini okanye ngaphezulu (ukuthengiswa kwakho kuyingxenye yesabelo sakho) kwaye kusenokuba luncedo.
- Kufuneka wenze ubomi. Ngaba uzibonele umvuzo kwiindleko zakho? Ukuba akunjalo, inzuzo yakho inokwanela ukuba uphile kwaye unayo imali yokuvuselela kwinkampani.
- Ixabiso lakho kufuneka liphantse libe ngaphantsi kweendleko zakho okanye phezulu kunokuba abathengi abaninzi bajonga "okulungileyo". Oku kubonakala ngathi kuyabonakala, kodwa oomashishini abaninzi babonakala bephuthelwa le ngcamango elula, mhlawumbi ngokugqithisa iindleko okanye ngokungafuneki kwimizi-mveliso ukuze kuqinisekiswe intengo efanelekileyo. Ukubeka nje, ukuba abantu abayi kuhlawula ngokukhawuleza ngaphezu kweendleko zokukwenza inzuzo enhle, kufuneka uhlolisise ngokupheleleyo umzekelo wakho wezoshishino . Ungayinqumla njani iindleko zakho ngokubanzi? Okanye utshintshe imveliso yakho yokumisela ukulinganisa ixabiso lentengo?
Intengo yoshishino olukhohlisayo. Ngokuqinisekileyo unelungelo lokwenza inzuzo efanelekileyo kwimveliso yakho, kwaye nangona uninzi xa udala ixabiso kubaxumi bakho. Kodwa khumbula, into ekugqibeleni ixabisa kuphela into umntu ekulungele ukuyihlawula.