UkuHlula kweMali kunye neNzuzo zihlukile, kodwa zombini zibalulekile
Ukuhamba KWEMALI
Ukuhamba kwemali yimali ephuma ngaphakathi nakwi-firm from operations and finance and activities. Yimali oyifunayo ukuhlangabezana neembopheleleko zangoku kunye nexesha elifutshane.
Kodwa kukho izinto ezimbini zokugcina engqondweni malunga nokuhamba kwemali:
- Ibhizinisi lingaba luncedo kwaye lingenayo i-cashflow eyaneleyo. Kwimeko embi kakhulu, ukungena kwemali engenazo kwi-shishini elinenzuzo kunokuyithumela kwi-bankruptcy. Ngokomzekelo, wenza ama-widget kwaye uwathengisa ngenzuzo. Kodwa umkhiqizo wakho uhamba ngethungelwano lude elide kunye nabanye bakho abathengi bezona zibalulekileyo nakubaluleke kakhulu abahlawuli kwiivoyisi ezili-120 iintsuku. Oku kuvakala kakhulu, kodwa ezininzi iinkampani ezinkulu zase-US ngekhulu lama-21 azihlawuli i-akhawunti ehlawulwa kwiinyanga ezintathu okanye ezine ukususela kwi-invoyisi. Ekubeni ungumfana omncinci, ababoneleli ngezinto ezifunekayo ukwenza ukuba loo widget ifune ukuhlawulwa okanye xa ifumene okanye ngeentsuku ezili-15 okanye ezingama-30. Okumangalisayo kukuba, xa ubanjwa phakathi kwabathengi abafuna imali yabo ngoku kunye nabathengi abanokukhawuleza ukuhlawula, umkhiqizo ophumelelayo kunye nokuthengisa okunyukayo unokudala inkathazo yangempela yemali. Nangona iyunithi yokuthengiswa kweyunithi iyanda kwaye inenzuzo, awuyi kuhlawulwa ngexesha lokuhlawula ababoneleli bakho kwaye udibana neendleko zokusebenza kunye nezinye iindleko zokusebenza. Ukuba awukwazi ukuhlangabezana neembopheleleko zakho zezimali ngexesha elifanelekileyo, ababolekisi bakho banokukunyanzela ukuba bangene kwi-bankruptcy ngexesha lokuthengisa ngokukhawuleza.
- Ukuthengisa kwakho kungakhula kwaye imali iyaqhubeka ithululela kuyo, kodwa oko akuthethi ukuba wenza inzuzo. Ukuba uboleka imali ukuxazulula ingxaki ye-cash flow, umzekelo, ukunyuka kweendleko zemali eziphumo kunokuphakamisa iindleko zakho ngaphezu kwephulo lokuphuza . Ukuba kunjalo, ekugqibeleni ukuhamba kwakho kwemali kuyomisa kwaye ekugqibeleni ishishini lakho liya kuphumelela.
Ngeniso
Inzuzo, ebizwa ngokuba yimali engenayo , yinto ehleliyo kwingeniso yokuthengisa emva kokuba zonke iindleko zenkampani zikhutshwe. Kuyabonakala ngokusemthethweni ukuba ishishini alinakuhlala ixesha elide ngaphandle kokuba linenzuzo, kodwa ngamanye amaxesha, njengemali yokuhamba, impumelelo yemveliso inokuphakamisa iindleko. Akunakwenzeka ngokukhawuleza ukuba le ngxaki. Kwezinye iimeko, unokwazi ukuba yingxaki, kodwa kholelwa ukuba ngokunciphisa iindleko zokuvelisa unokubuyisela inzuzo ngexesha lokuphepha ingxaki. Ngelishwa, ngaphandle kokuba unokuqonda okucacileyo kuyo yonke idatha yeendleko ezifanelekileyo, awukwazi ukwenza ngokufanelekileyo okanye ngokukhawuleza ngokwaneleyo ukuze wenze inzuzo eqinile kwakhona ngaphambi kokuphuma kwemali.
Ukwehluleka okuKhulayo nokuShishino
Kubonakala ukuba ukukhula okukhawulezayo kunokukhokelela kwiindlela eziliqela ukuba ishishini lingaphumeleli. Ingxaki yokungena kwemali echazwe apha yimbangela enye, apho ababoneleli bafuna ukuhlawulwa ngokukhawuleza kweevoyisi ngelixa abathengi abathengi bahlawule ngokukhawuleza. Ingxaki yenzuzo echazwe ngasentla yenye yenye: ukwanda kwimiqulu yemveliso kuqhuba iindleko ezingaphaya kwinqanaba lokuphuza. Inqaku le-2013 le-American Express malunga nenkqubela yokukhula ngokukhawuleza ichaza imiba emihlanu enomdla, zonke ezichaphazela ukuhamba kwemali, inzuzo okanye zombini:
- Iingxaki zokusebenza: ukwanda kwevolumu kutshintsha iimfuno zokusebenza. Ngokuqhelekileyo, amashishini phakathi kohlumo olukhulayo azinike ixesha elaneleyo lokwenza olo tshintsho ngexesha,
- Imiba yenkonzo yabathengi: iimveliso ezintsha zikhuthaza ukuthengisa, kodwa zivame ukuza kunye nemiba ekhokelela ekulungiseni ixabiso leempi eziqashisayo okanye nokuba umkhiqizo uyakhumbula. Abasebenzi benkonzo yabathengi abanako ukunyusa kwikhonsathi kunye nokukhula kweentengiso, nto leyo ekhokelela ekunganeliseki kwamakhasimende,
- Inkcitho ehambelanayo yenkampani: impumelelo yemveliso enye inokukhokelela inkampani ukwenza izigqibo zokuchitha imali ezininzi, ezifana nokuthengwa kwezixhobo ezixabisekileyo kunye nokuphucula izixhobo ezingenasiphelo
- Iingxaki zabasebenzi, kubandakanywa ukuqhuma okukhawuleza kwabasebenzi abangaqhelekanga okanye abangenamdla kwiinkcubeko ezikhoyo; Ukungonelelwanga kwabasebenzi bamanje phezu kweesuphavayiza ezintsha, iingxaki zokuhlawula kunye neenguqu kwiindlela zokuvelisa
- Iingxaki zobunkokeli: ngokuqhelekileyo iimpawu zomphathi-mpu melelo zihluke kakhulu kwiimpawu ze-CEO ephumeleleyo yenkampani esekwe. Njengoko inkampani iyanda ngaphezu kwesigaba sayo sokuqalisa, ingadinga utshintsho kubunkokeli, enokuphikiswa okanye engaqondakali ngexesha elifanelekileyo.
Kwinkampani ekhulayo, ukugcina ulandelelwano lwemali kunye nenzuzo nayo ifuna ukuya kule miba ehambelana nayo. Ngamanye amaxesha kunokuba kudingeke ukuba kunciphise izinga lokukhula ukwenzela ukuqinisekisa ukuba yimpumelelo yesikhathi eside.
Bona la manqaku:
- Indlela yokwenza uhlalutyo lweCash Flow Analysis
- Inkcazo yeCash Flow
- IiAkhawunti zoLawulo lweMali