Ukuphuhlisa iNkqubo yeMboleko

Imiba emihlanu yokuqwalasela xa sele isigqibo sokuba ngaba ungeze i-credit.

Ukuphuhlisa umgaqo-nkqubo wenkokhelo into into ekugqibeleni ibhekane nayo. Esinye sezigqibo eziphambili omele uyenze xa uqala ishishini ukuba ingaba uya kukwandisa iikhredithi kwamanye amashishini kunye nabathengi. Esi sisigqibo sokuba sithathwe ngokungathí sina njengoko kuya kuchaphazela ukuhamba kwemali yakho kunye nenzuzo yakho.

Nazi izinto omele uziqwalasele xa uphuhlisa umgaqo-nkqubo wesikweledu kwaye kufuneka ifuthe kwisigqibo sakho nokuba ingafaki ityala kubathengi.

Ufanele unikele ngetyala kuphela xa iziphumo zokwenza okunjalo zingaphezu kwezinto ezimbi. Ngokuqhelekileyo, oku kunzima ukuyiqonda.

1. Impembelelo Ingeniso yokuThengiswa

   Isizathu sokuba uza kunika ikhredithi kwindawo yokuqala okokuba abathengi bakho banokulibaziseka ukukuhlawula. Oku kulungele ukuba abathengi bakho kwaye mhlawumbi baya kuwina abathengi kuwe, kodwa akunakulungele wena kunye nomgca wakho ophantsi, ubuncinane ngokukhawuleza. Ingeniso yokuthengisa evela kwintengiso oyenzile kumthengi wakho iya kulibaziseka ixesha okanye i-credit time, okanye mhlawumbi ixesha elide ukuba umthengi ufike emva kwexesha. Ingqamaniso kukuba unokukwazi ukuphakamisa amaxabiso akho ukuba unike i-credit.

   Unomrhweba. Ubungakanani bokuba bathengi abathengi kunye nexabiso eliphezulu lokuthengisa xa unikela ngekhredithi ngokutshintshiselwa ukulibaziseka kunye nokuhlawulwa kwexesha. Ngelishwa, kunzima ukulinganisa oku.

2. Impembelelo kwiindleko zeeMpahla ezithengiswayo

   Ingaba uthengisa iimveliso okanye iinkonzo kufuneka ufumane kuzo kwaye, kwimeko yemveliso, esitokisini, xa kuthengiswa. Xa uthengisa i-credit, oko kuthetha ukuhlawula loo mveliso okanye inkonzo ukwenzela ukuba ubekwe kwisitoko kodwa ingahlawulwa ngokukhawuleza xa kuthengwe. Nangona ekugqibeleni uza kuhlawulwa, ishishini lakho kufuneka lifumane ukuhamba kwemali eyaneleyo ukuhlawulela ukuhlawulwa kwexesha. Ukongeza, ulahlekelwa yinzala nayiphi na inzala onokuyifumana kwimali.

   Kwakhona, une-trade-off. Ngeli xesha kuba abathengi abangaphezulu kunye namanani athengiswayo aphezulu ekutshintshiseni imali engenayo yomvuzo kunye nokuhamba kwemali ephantsi kwexesha .

1. Ubunokwenzeka beeMali eziMbi

   Ukuba inkampani yenza yonke into yokuthengisa ngemali, akukho nto ihlawulwa ngayo amatyala ahlawulwayo okanye amatyala awanako ukuqokelela. Ukuba nayiphina ipesenti yemali yenkampani inetyala, kukho iimeko zokuhlawulwa kwamatyala okanye amatyala kuwe, njengomnini-shishini, akayi kuqokelela. Xa uhlakulela umgaqo-nkqubo wesikweletu, kufuneka uvumele ipesenti yeakhawunti yakho yekhredithi engayi kuze ihlawulwe.

   I-trade-off apha kukuba enye ipesenteji yokuthengiswa kwemali-mboleko ayiyi kuhlawulwa. Unokugqiba isigqibo sokuba ngaba le nto ifanelekileyo abathengi abathengi kunye nexabiso eliphezulu lokuthengisa.

1. Ukunikezela ngeRhafu yeRhafu

   Ingakumbi xa unikela ngetyala kwi-business-to-shishino (B2B), ezininzi iinkampani zinika amanye amashishini imali yokuphuhlisa imali. Ngamanye amagama, ukuba ishishini lihlawula ibhilidi ngaphakathi kwexesha lokuphuhlisa, elo shishini lifumana isaphulelo. Ukuba abayi kuhlawula ngexesha lokuphuhlisa, kufuneka bahlawule ngexesha lokuthenga ngetyala okanye ixesha eliyilwayo apho ibhajethi ibangelwe.

   Izaphulelo zemali zihlala zichazwe njengolu mzekelo: 2/10, net 30. Ukuba ezo ziyimali yakho yemali-mboleko, kuthetha ukuba unikezela isaphulelo esingu-2% ukuba ibhajethi ihlawulwa kwiintsuku ezili-10. Ukuba awuyi kuthatha isaphulelo, ibhajethi ibangelwe kwisithuba se-30 semali yemali.

   Ngaba ufumana imali yakho kwiintsuku ezili-10 ezixabisa i-2% isaphulelo oyinikezelayo? Yiyo yokurhweba onayo malunga nekheshi zekheshi kunye nokuba ufanele uzinikele.

2. Ukuthatha kwiTyala

   Ukuba wena, njengomnini-shishini, uthatha isigqibo sokunikezela ngetyala kubaxumi bakho, amathuba okuza kufuneka uthathe amatyala ukuze uhlawule iimali zakho zeemali. Njenge shishini elincinci , awukwazi ukukwazi ukuthengisa iimveliso okanye iinkonzo zakho ngaphandle kokuhlawulwa ngokukhawuleza ngaphandle kokuba unesiseko esihle semali esisebenzayo. Ukuba kufuneka uthathe ityala, kufuneka uhlawule kwiindleko zexesha elifutshane lokuboleka njengenxalenye yesigqibo sakho sokunikezela ngetyala.

Ukunikezela ngetyala kubathengi bakho yisigqibo esikhulu esinempembelelo ebanzi kwinkampani yakho. Kufuneka uqwalasele izinto eziphezulu nangaphezulu. Ngaba uya kunika umphumo wesikweletu kwi shishini lokuphinda? Ingaba unayo ixesha kunye nezixhobo zokuqokelela iintlawulo zenyanga? Yenza isigqibo ngokuhlakanipha.