Iimali zamashishini akho amancinci nakweyiphi na isigaba inikeza ithuluzi lolawulo lokusebenza ukukunceda ekwenzeni izigqibo ezifanelekileyo ukwandisa inzuzo, ukusingatha ukuhamba kwemali, nokubonelela ngenjongo yokukhuphisana.
Ihlabathi lezemali zoshishino linokuba nzima kwaye lidideke. Ngokuqhelekileyo kulula ukubeka eceleni amanani abalulekileyo ekuqaleni komdlalo kwaye wenze "izinto ezimnandi" zokwakha izakhiwo.
Abashishini abanomdla bayazi ukuba impembelelo yenkqubo yemali inokuphumelela kwinqanaba lempumelelo. Amashishini angaphezulu kwama-28% achaza i-bankruptcy icacisa iingxaki kunye nesakhiwo semali yenkampani njengesizathu esibalulekileyo sokungaphumeleli, ngokutsho koPhando oluthile loPhando lwezeNtengiso, "Uxinzelelo lwezeMali zeShishini elincinci kunye nezizathu zokungaphumeleli kwazo."
Nangona kungekho mithetho ecacileyo ekuqeshweni okanye ekuwandiseni iqela lakho lokubhala ibhizinisi, cinga ngezi zikhokelo ezilandelayo ukukunceda wenze isigqibo sakho lula:
Ixesha lokuhlawula umgcini weencwadi
- I- Start-up yeNkampani: Iinkonzo ze-bookkeeper zenza ingqiqo kwi-start-ups ngaphandle kokucwangciswa kwakha umbuso. Umgcini- makhuphoni kwiqela lakho lokuphendula ibhizinisi liya kukunceda uqalise kunye nenkqubo yokugcina irekhodi, ukuphatha ukuthengiswa kwemali, nokuvelisa iingxelo zemali.
- Ukungabikho kwenombolo yokuqonda: Ukuba ukucwangciswa kweemali kunye neebhalansi zenza ukuba intloko yakho ifuthe, ufuna uncedo. Ukubhalisa iinkonzo zomgcini-ncwadi kunokukunceda ufumane ukuqonda okuyisiseko ngemicimbi yezemali yokuqhuba ishishini.
- Inkampani-yeNkampani eyodwa: I-business-based business business will have need to keep their expenses. Iindleko ze-akhawunti-mali rhoqo ngenyanga zingaba zininzi kwi shishini lomntu omnye. Kulungiselela iincwadi okanye ubenomgcini-makhuphiswano ochaphazelekayo kwinkqubo. Sebenzisa umgcini-akhawunti kwi-planning your year end tax.
Ixesha lokuhlawula i-Akhawunti
- Ukongeza abasebenzi: Ngexesha elinye kumjikelezo wobomi boshishino, uya kuqwalasela ukukhula ngaphaya komsebenzi womntu omnye kunye nokwakha abasebenzi. Ukuqeshisa i-akhawunti yeqela lakho lophando-mali liya kunceda ngazo zonke iindaba zemali kuquka neengcebiso malunga nokuhlawula umvuzo, iindleko zabasebenzi kunye neengcamango zokuphucula inzuzo yakho.
- Ukutshintshwa koShishino lweShishini: Ukuqeshisa iinkonzo zomgcini-akhawunti kubalulekile xa usenza isigqibo sokutshintsha isakhiwo sakho senkampani. Umgcini-akhawunti unokukunceda ekukhokeleni iimali kunye nefuthe zerhafu ezitshintshayo kumnini-mnikazi okanye ubambiswano kwiqumrhu okanye iqumrhu elincinci.
- Uxhasomali lwangaphandle: Xa ishishini lakho elincinci lifuna ingxowa-mali yangaphandle njengemali mboleko yebhanki, kucetyiswa ukuba isebenzise iinkonzo zomphicothi-zincwadi. Ukuba izitatimende zakho zezimali zichanekelelwe ngumgcini-akhawunti uya kunceda kwinkqubo yokuvunyelwa kwemboleko.
- Ukuhlawula i-Complex: Naliphi na ishishini elinomjikelezo wokuhlawula oluxakekileyo kunye nokulawulwa kweakhawunti kuza kufuna amava e-akhawunti kwi-bookkeeper okanye umnini. Ingxelo yakho yobungcali inokunceda ekulawuleni imali kunye nenkokhelo yokugcina inkampani yakho kwimimandla engqongileyo yemali.
Ixesha lokuhlawula uMlawuli
- Akukho Isikhathi: Ibhizinisi elityelweyo kunye neqela elilawulayo eliqinileyo liya kufuna ukugxininisa ngakumbi kwiinkalo ezicwangcisiweyo zeqhinga kwaye kuqeshwe umlawuli ukuba asebenze uhlahlo lwabiwo-suku nosuku lwezemali.
- Ukutshintsha iSoftware yezeMali: Kuza iphuzu ekukhuleni kweshishini xa inkqubo yeprogram yesofti- nkqubo esicacileyo engekho kwi-shelf ayisayi kwenza. Ikomiti lakho lokuphendula ibhiziniselwano lincinci lingabongeza umlawuli kungekhona kuphela ukulawula imali yakho kodwa ukukunceda ukhethe inkqubo efanelekileyo ye-software.
- Ukuzisa iiMali kwiNdlu: Njengomnini-shishini lomncinci, unokugqiba ekubeni uthembele ngaphantsi kumgcini-akhawunti kwaye ugxininise ukuqesha umlawuli ukuba abe nelungu lokulawula ixesha elizeleyo ukuqhuba ibhajethi yokusebenza kwansuku zonke, iimali ezifunyenweyo kunye neemali.
Nini ukuhlawula i-CFO
- Isigaba sokwandiswa kweNkampani: Amashishini afumana ukukhula ngokukhawuleza okanye ukucwangcisa ukwanda okukhulu kunokuncedisa ngokufaka i-CFO kwikomiti yabo yokucwangcisa ibhiziniselwano. I-CFO inokunika iingcebiso ezicwangcisekileyo kwiinkampani zongeza imida emininzi yemveliso kwaye idinga ukuphathwa kwezemicimbi enzima.
- Ukuxhaswa kweeMali eziPhambili: Ukufaka isicelo nje ngomgca werhwebo olutsha kwibhanki akuyi kufuna i-CFO. Nangona kunjalo, ukuba uceba ukunikezwa kweeNkonzo zoLuntu (Initiative Public Offering) (IPO), okanye ukunyusa imali eyinkqubo ephezulu, i-CFO iyakongeza ixabiso kwiqela lakho lokuphendula ibhizinisi. Akusiyo umba wokufikelela kwinani elithile lenkcitho elungiselela isidingo seCFO kodwa imfuneko yokujongana nabasomali abangaphandle.
Yongeza i- CFO yesigxina kwiqela lakho elijongene neCandelo eliLawulayo
Amashishini amaninzi amancinci akasoze akwazi ukuhlawula umvuzo wama-250,000 we-CFO yexesha elipheleleyo. Enye into ekhangayo yamashishini amancinci amancinci amancinci ukuqesha i-CFO yesimo. Iinkampani ezinjenge-CFO Associates zibonelela ngamashishini akhula kunye neengcebiso ezivela kwi-CFO kwi "njengoko kuyimfuneko". UJerry Charlup, uMlawuli oyiNtloko weCFO Associates uthi, "Uninzi lwabaxumi bam beza kum xa iqela lesithathu libacelile ngolwazi olunzulu lwezemali kunokuba lisetyenziselwa ukubonelela. Ngokuqhelekileyo, umntu wesithathu ungumboleki okanye umtyalomali."
Isigqibo sokwakha iqela elincinci lokuphendula ibhizinisi lincike kwiinjongo zomnini-shishini. Ukuba usebenza nomntu oyedwa, ibhizinisi elingabandakanyiyo kunye nokuthengiselana okulula kunye nokuqonda okuyisiseko kokugcinwa kwerekhodi ke inkqubo yocwangciso lweprogram ye-software iya kwenza. Khumbula, amashishini amaninzi angaphumeleli ngenxa yokungabikho kwemali yokuqonda nokuphathwa kwemali. Ukunyaniseka nawe. Incwadana yencwadana ingabalulekanga ngakumbi kuneengcebiso zezezimali ezivela kwingcali.