Kunokwenzeka ukuguqula inzuzo kwaye uqhubeke uphazamiseka.
Ukuhamba kwemali ngumyinge wemali ehamba ngebhizinisi lakho inyanga nganye. Ngokwemigqaliselo yayo elula, ukuba unayo imali engaphezulu (ukuthengiswa) inyanga nganye kunokuba uphuma (iindleko) ke unako ukuhamba kwemali. Kodwa ukuba into echanileyo yinyani kwaye uninzi lweendleko eziphuma ngaphandle kweentengiso eziza kuyo, unemali engafanelekanga. Ingqiqo ayinzima ukuyiqonda kuba iyafana ne-akhawunti yakho yokujonga.
Kodwa yazi oku, inombolo enye isizathu sokuba ibhizinisi lokuthengisa lihluleka namhlanje kukuba likwazi ukuhlawulela ukuhamba kwemali.
Amaxesha amaninzi, abathengi badinga imali yokusebenza, ngohlobo lomboleko okanye umgca wesikweletu, ukufihla ukusilela ekuphumeni kwemali-ingakumbi ngeli xesha lonyaka lonyaka. Kodwa, ukuba ulawula ukuhamba kwakho kwemali ngokufanelekileyo, ngoko awuyi kuyidinga le nto.
Ukugqithisa okukhulu ukuhamba kwakho kwemali kuyimpahla. Ekubeni irenti yakho kunye nezibonelelo zithengiswa iindleko, kulula ukuqikelela okanye ukucwangcisa oku. Kodwa xa kuziwa kwi-inventory, kunzima ukuqikelela oko kuya kuthengisa kwaye okungeke kuthengise xa uthenge kwisitolo sakho. Inyaniso kukuba, ezininzi iimpahla zithengisa inzuzo kwi-inventory yayo ephuculwayo kunexesha elifunekayo lo mthetho-mali. Ngamanye amazwi, ukuba uthengela iimbumba ezili-12 namhlanje kwaye uthengisa kuphela 4 ngenyanga, uya kufuneka uhlawule i-8 yamanyundo ngaphambi kokuba uthengise. Oku kuthatha imali kwi-akhawunti yakho yebhanki nangaphambi kokuthengisa.
Olu lawulo olubi luya kubangela ukuphawulwa kwamatye ukuze kufumane imali engenayo.
Yingakho ukuhlakanipha ekuthengeni nasekusebenziseni izixhobo ezinjenge- open to buy system kungenza umehluko omkhulu kuwe. Ukongezelela, ukuxoxisana nemigangatho emininzi yokuthandana kweevoyisi zakho kunokukunceda. Ukuthandana yixesha eliya kuthi lihlawule i-invoyisi.
Ngokomzekelo, ukuba unemigomo yeNet 30, oku kuthetha ukuba invoyisi ingekapheli iintsuku ezingama-30. Abathengisi abagqwesileyo bazama ukulinganisa ukujika kwabo kunye nokuthandana kwabo. Yona isicwangciso esicacileyo sikaWal-Mart esisebenzisiweyo ukuba sikhule sibe ngumthengisi obalaseleyo emhlabeni. Uninzi lweentengiso ezithengiswayo kwiivenkile zeWal-Mart zinobudlelwane obungaphezulu kwexesha lokuthengisa. Enyanisweni, maxa wambi uWal-Mart uthengisa kwiinyanga zokubala phambi komhla webhili. Esi sikhundla sokuhamba kwemali esivumelekileyo sibavumela ukuba batyalole kwezinye izixhobo ukukhula njengemakethe kunye nesofthiwe.
Ngoxa ungeke ube namandla okuthenga aWal-Mart, unokuboleka isahluko kwincwadi yabo yokudlala. Okokuqala, lawula ukuthenga kwakho. Melana nesilingo sokuthenga into engama-12 xa ufuna kuphela 6 ngenxa yokuba ufumana i-20% engaphezulu kwixabiso. Ingxaki kukuba ngelixa ugcina i-20% kwimida, uchaphazela kakubi ukuhamba kwemali yakho. Zama kwizinto ezithengiswayo eziza kuthunyelwa " ngokukhawuleza " kubathengisi bakho oku kuthetha ukuba ziyafumaneka kwiintengiso zabathengisi ngamaxesha onke. Ukuba unesitokethi izinto ezikhawulezileyo, ngoko unako ukugcina isisombululo esincinane kwisandla kwaye uthengise ngale mali ngaphambi kokuba umrhumo-mali ufike ngenxa. Oku kuya kukubeka kwindawo efanelekileyo yokuhamba kwemali.
Impazamo yabantu abaninzi abayenzayo bayayilandela i-P & L (inzuzo kunye nelahleko yesitatimende) inyanga nganye kwaye isebenzise ukuba isebenze ishishini.
Nantsi imbambano kunye naloo nto. I-P & L yindlela ekubukeka ngayo kwixesha elidlulileyo kwaye kufuneka ucwangcise ikamva. Ukuba unenyanga enkulu ekuthengiseni (kwaye ke iP P & L enkulu) ungalingeka ukuba uthenge i-bunch of inventory. Nangona kunjalo, ukuba i-intengiso ihlawule, ibhajethi isenomhla ofanayo kunye kwaye ngokukhawuleza awunayo imali eninzi yokuhlawula iindleko njengoko wacinga.
Amanqanaba aphezulu okuhamba kwemali ayithethi amanqanaba aphezulu enzuzo (okanye nayiphina inzuzo nantoni). Nje indlela amazinga aphakamileyo entlawulo ayithethi amazinga aphezulu (positive) ukuhamba kwemali. Qinisekisa ukuba usebenzisa inkqubo yohlolo-mali engakubonisa uhlalutyo lwemali. Ukukwazi ukulandelela inyanga yemali onayo (isichaza inani leenyanga ongaqhubekayo kwiivenkile zentengiso kunye neendleko) ngokubaluleka kokusasaza ngokuthengisa namhlanje.