Ukubhala njani iSicelo soNcediso lweSicwangciso soShishino lwakho

Indlela Yokubuza Imali Yemali Yoshishino Lwakho Lwasekhaya

Iindaba ezilungileyo kukuba, eli candelo lesicwangciso sakho seshishini lifunwa kuphela xa uceba ukucela imali ngaphandle kweshishini lakho lasekhaya. Ukuba awufunanga uncedo lwezezimali, unokushiya ngaphandle kwiprogram yakho yesicwangciso soshishino. Kukho iindlela ezahlukeneyo zokuhlawula ibhizinisi lakho ngaphandle kwetyala okanye abatyala-mali. Okanye ungasebenzisa eli candelo ukuze unike iinkcukacha ngezicwangciso zakho zezemali ezizayo, njengexesha kunye nokuba ungakanani imali onokuyidinga, kunye nemithombo enokuyiqwalasela ukugcina imali yakho.

Kamva, unokuyihlaziya eli candelo xa ufuna ngaphandle kwemali yokukhula kwamashishini.

Yintoni eya kwiCandelo lesicelo seNkxaso-mali yeSicwangciso soShishino lwakho

Eli candelo lesicwangciso sakho seshishini kufuneka lihlanganise oku kulandelayo:

• Inkcazo ye shishini lakho. Ewe, ukwenzile oku kakade kwicandelo elidlulileyo, kodwa ufuna ukunika ababolekisi nabanini-mali ukuba baphinde bafumane ibhizinisi lakho. Kwezinye iimeko, unokwenza nje ukwabelane neSigaba seNkxaso-mali ukuze ufumane iinkcukacha zakho zoshishino njengezinto ozinikezelayo, ulwazi malunga nekhishini lakho ekujoliswe kuyo, isakhiwo sakho (okt LLC), abanikazi kunye nolwazi lwamalungu (kubambiswano kunye neenkampani), kunye nayiphina impumelelo oye wafuneka ukuba uhlawule kuyo kwishishini lakho.
• Imeko yakho yezimali yangoku. Kwakhona, unikwe ulwazi oluthile lwezezimali kwiCandelo leDatha leMali , kodwa alimazi ukushwankathela. Ukuba uthumela isicelo sokuxhaswa ngemali, uya kufuna le ngcaciso ukunceda imithombo yezemali ukuqonda imeko yakho yemali. Ukubonelela ngeenkcukacha zemali ezifana neengeniso kunye neengxelo zokuhamba kwemali, kunye namaphepha ebhalansi. Nika ulwazi lwakho lwezimali oluxeliweyo ngokunjalo. Ukuba ucela umboleko oza kuba ngumnikelo wokubambisa, faka ulwazi malunga ne-asethi ngokunjalo. Ukuba ishishini linamatyala, cacisa isicwangciso sakho sokuhlawula. Ekugqibeleni, yabelane ngendlela oyihlawula ngayo mboleko okanye luhlobo luni lokubuyisela kwi-investments (ROI) abatyala-mali abanokulindela ngokutyalomali kwishishini lakho.

• Ufuna imali engakanani ngoku nakwixesha elizayo? Chaza uluphi uhlobo lwezimali ocela kuyo njengemali mboleko okanye utyalo-mali. Chaza oko ukufunayo ngoku kunye nento enokuyidinga kwixesha elizayo (ukufikelela kwiminyaka emihlanu ngaphandle).
• Ziza kusetyenziswa njani iimali? Iinkcukacha malunga nendlela oya kusebenzisa ngayo imali, nokuba ingaba yintengo, ukuhlawula ityala, ukuthenga izixhobo, ukuqesha uncedo, njl njl. Ukuba uceba ukusebenzisa imali yezinto ezininzi, qinisa ngamnye kunye nendlela eya kuhamba ngayo nganye. Qaphela ukuba ezininzi iimithombo zemali ziza kutyala imali kwizinto ezikhulayo ishishini elikhulayo, kunokuhlawula iindleko okanye iindleko ezingaphezulu.

• Izicwangciso zezemali zangoku kunye nezizayo, njengesihlomelo sokuhlawulwa kwemali-mboleko okanye izicwangciso zokuthengisa ishishini. Ukuba ufumana imali mboleko, cacisa izicwangciso zakho zokuhlawula imali (nangona abaninzi ababolekisi baya kuba neeshedyuli zabo). Ukuba uceba ukuthengisa ishishini, mvumele ukuba umbolekisi awazi ukuba kwaye uza kubachaphazela njani.Iminye imiba ekufuneka uyiqwalasele (ukuba uhamba) okanye ukuthenga. Okokugqibela, vumela abatyali-mali bazi ukuba bangayikhupha njani idibaniselwano, njengokwenza imali ngaphandle kwexesha (kangakanani ngaphambi kokuba benze oko?).

Iingongoma ezibalulekileyo zokukhumbuza ukubhala isicelo sakho seNkxaso-mali

Ucela imali, ngoko kufuneka uhlale uyingcali kwaye uyazi ibhizinisi lakho ngaphakathi nangaphandle. Nazi ezinye izinto ozozigcina engqondweni:

• Yenza isicelo sakho semali kwisiseko ngasinye semali. Ababoleki kunye nabalimi-mali bafuna ulwazi oluhlukileyo (oko kukuthi ukuhlawulwa kwemali mboleko kunye ne-ROI), ngoko udale iingxelo ezahlukeneyo ngamnye.
• Gcina imithombo yakho yemali kwingqondo. Umthombo ngamnye uya kuba nemibuzo eyahlukeneyo kunye nama-conern. Yenza uphando oluthile ukuze ukwazi ukuwabamba ngxelo yakho.
• Buza okwaneleyo ukugcina ibhizinisi lakho lihamba. Musa ukuzithiba, njengoko ungafuni ukuba ishishini lakho liphumelele ekungabikho kwemali. Ngelo xesha, musa ukunyuka, ukucela okungaphezu kokufunayo.

Ukuhlaziywa ngo-2016 Leslie Truex