Musa ukwenza ezi zi-5 eziMali zeMashishini ezincinane!
Kunzima ukugcina ishishini lakho elincinci lithemba-abathengi abathengisayo, ukuthengisa nokukhuthaza, nokugcina iincwadi. Kodwa musa ukuwahoxisa le misebenzi yemali kunye nemali. Ukwenza le mi sebenzi kunokukunceda ubone iingxaki kwi-akhawunti yakho yasebhanki kunye nengeniso yakho. Ukungenzi nto kunokuthetha iingxaki nge-overdrafts, ukukhwabanisa kwabasebenzi kunye neerhafu eziphezulu.
1. Ukungathobeli iingxelo zebhanki ubuncinane kanye ngenyanga
Ndiyazi ukuba uxakekile, kodwa ukuba unesimo esihle sokubakho kwi-intanethi , kufuneka uxolelane nesitatimende sebhanki yakho yebhanki xa uyifumana. Ukuba unomgcini-ncwadi, cela ukuba ubone uluhlu oluninzi lweemali-mboleko nganye ngemali, okanye usebenzise uluhlu ngokwakho ngaphambi kokujika yonke into kumgcini-ncwadi.
Ukuvumelanisa isitatimende sebhanki yindlela enye yokuthintela ukungcola ukuba unabasebenzi. Nangona unabasebenzi, kunokukunceda ubone iingxaki. Ngaba le ntlawulo-mali ihlawulwe? Ngaba urekhode ingeniso evela kulo msebenzi owenzileyo?
Ukwenza ukuxolelana, akudingeki ukuba uprinte isitatimenti, ukuba ibhanki yakho ikuvumela ukukhuphela yonke intsebenzo yebhanki yakho kwinkqubo yakho yo kubalo. Emva koko, unokwenza uxolo.
Qiniseka ukuba yonke isheke isayinwe nguwe okanye omnye umntu othembileyo. Landela phantsi nantoni na ukusola, mhlawumbi kwimali engenayo okanye kwindleko.
Qalisa le ngxelo rhoqo ngenyanga: ingxelo ye- akhawunti efunyenweyo kunye nenzuzo kunye nelahleko.
2. Akukho mivuzo yokulandelela kunye nokusebenza kwinkqubo yakho yokuqokelela
Andikwazi ukuyifakazela, kodwa ndiyakholwa ukuba imali elahlekileyo yilahlekelwa ngamashishini ekungabikho ukuqokelela iimali ezifunyenweyo kunokuba nayiphi na enye indlela. Umthetho # 1 ekuqokeleleleni iimali ezifunyenweyo (imali ehlawulwayo) yinto yokuba ixesha elide elifunyenweyo lihlawulwa, akunakwenzeka ukuba uya kuqokelela.
Ukumisela inkqubo yokuqokelela i- akhawunti efunyenweyo apho uhamba ngokukhawuleza emva kokuba abathengi abangakhokheli bangenise imali engenayo.
3. Ukuhlawula irhafu kakhulu - okanye encinane kakhulu!
Iindleko ezingaphezulu ezisemthethweni kwi-shishini lakho, ibhanki yakho yerhafu yerhwebo. Ukuze uqinisekise ukuba unokuxhasa ezi ndleko xa uphicothwa, kufuneka ube neempendulo ezibonisa ezi ndleko njengento enxulumene nezoshishino.
Iindleko ezincinci zamashishini amancinci zihlala zilibala ngokuqhelekileyo iindleko zokuhamba kunye nezindleko zokuzonwabisa nezokuzonwabisa . Ukugcina iirekhodi ezilungileyo ngexesha-mali esetyenzisiweyo kwaye injongo yoshishino inokukunceda ngokuphicothwa kwe-IRS.
Qinisekisa ukulandelela imoto yeendlela zokuqhuba ukuqhuba ngokugcina ibhuku yencwadi kwimoto yakho okanye usebenzisa i-log log log.
Ukuba unomashishini wekheshi , ukuhlawula iibhokhwe zebhizinesi ngemali, okanye uthatha inzuzo eninzi ngemali, usenokwazi ukuhlawula irhafu. Ukulibala ukurekhoda iindleko zemali, njengoko ndithethile ngasentla, kwandisa ibhilikhi yakho yerhafu. Ukungabhalisanga imali engenayo kungabangela iingxaki ngexesha lokurhafu. Kukho nawuphi na umzekelo, yiba nomkhwa wokugcina iirekhodi ezilungileyo zazo zonke iintengo zemali. Oku kuquka ukuseka inkqubo encinci yemali ukurekhoda iindleko zoshishino.
4. Iphutha le-DIY - lingasebenzisi abacebisi beengcali
Amashishini amancinci adla ngokuqala kwi-shoestring, kwaye abanikazi boshishino bebhsayithi bahlala becinga ukuba banokungena ngaphandle kokuncedisa. "Andikho mkhulu ngokwaneleyo ukuba ndifune umcebisi," usenokuba utshilo. Ukuzama ukwenza ngokwakho kunokubangela iingxaki ngexesha lokurhafu, ukuba ishishini lakho lithinte. Ukuba uthatha isigqibo sokuqesha ikontraka ozimele okanye abasebenzi , ufuna abacebisi.
Yonke ishishini, kungakhathaliseki ukuba luncinane kangakanani, lifuna abacebisi ababini bezentengiselwano : ubuncinci bezezimali kunye neerhafu (njengeCPA) kunye negqwetha lokukunceda ukusekela ishishini lakho kunye nokumelana nemibuzo.
5. Ukungazibuza imibuzo!
Yimibuzo ongayifuniyo ukuba iya kufumana ishishini lakho kwingxaki! Njengoko uhlaziya iingxelo zemali kunye neengxelo zebhanki, njengoko uxoxisana nemiba yoshishino kunye nabacebisi bakho, velisa "loo mibuzo" engacinganga.
Uya kuvuya ukuba wenze.