UkuLawula i-Cash yakho kunye noTywala kwi-Business Successing Success
Iimveliso zokuqala zifumana iifutshane zemali ngokukhawuleza.
Amashishini akhoyo anokufumana iindlela zokusinda xa befumana iindlela zokuvelisa imali. Ikheshi yinto enye ebaluleke kakhulu yokusindisa ibhizinisi elincinci. Amashishini amancinci athetha ukuba ukungakwazi ukulawula imali yingxaki enkulu enye.
Njengomntu okanye intsapho, iinkampani zifuna umkhombisi wenkcitho ukuthembela kuyo. Oku kubanika ukhuseleko kwizihlandlo ezingaqinisekiyo. Kwakhona kunika ithuba lokuba bafumane inzuzo kwezotyalomali okanye bafumane amathuba okunciphisa iindleko. Amashishini amancinci nawo kufuneka agxininise kwingcamango yokuhamba kwemali ekhululekile ukwenzela ukuba kuqinisekiswe ukuba imithwalo yemali.
UDuncan Connor, uthetha ngendlela iinkampani ezisetyenziselwa ngayo ukunyuka kwemali ukuze zihlale ziphumelele ngexesha lokunciphisa umhlala-mali we-2007-2009 , "Yimeko elula yokulawula ukuphuma kwamashishini akho kunye nalapho. wakha isiseko sabathengi. "
"Enye yezinto zokuqala ezo shishino eziphumelele xa zithengiswayo ziza kubheka ukuboleka kwazo kwaye ziphinde zixubushe imimiselo yento ethi, nangona ingaba ngaphezu kweminyaka engaphezulu kwaye ekugqibeleni iyabiza kakhulu, inemali ephantsi ngoku. mhlawumbi ingcinga engalunganga kwamashishini amaninzi, kodwa ukuba ukuhlaziya iitalato ezikhoyo kukuvumela ukuba uhlale kwishishini, kunokukhokelela ngokucacileyo ukwenza. "
"Amanye amashishini axoxisana ngamaxesha amaninzi okwenza iintlawulo kubathengisi, ngoxa ngexesha elifanayo lifuna ukuhlawulwa ngokukhawuleza kubathengi."
Enye indlela iindleko zokuhlala ngokwemali-mali ezilawula ukunyuka kwemali kukulawula ukuba zininzi iimpahla ezazisenziwa ngaluphi na ixesha - i-inventory ixabisa imali, kwaye i- inventory ehleli kwi-stockroom yakho kwithuba leveki inexabiso lokufumana ithuba lokubhankanya ibhishini lakho. "
Ukulawulwa kweendleko ezincinci kuhlale kusezintwini zabantu, kodwa njengoko iinqununu zancitshiswa, amashishini amaninzi akhiqiza abasebenzi, aqaliswa ukukhululeka okanye ukusika ukuhlawula kunye neenzuzo, ukunciphisa utyalo-mali ekuqeshweni nasekuqeqesheni. "
UConnor ugqiba, "Ngakolunye uhlangothi lwezinto, ukwenza ukugeleza kwemali ngaphakathi, kwakukho neendlela ezimbalwa, kwakhona."
"Iingxelo zokufumana iifayili ezifunyenweyo zivele kwiidradars zabasebenzi abancinci bamashishini abancinci kwiminyaka emibili edlulileyo, kodwa izinto ezigqwesileyo kukuba uthengisa ii-invoyisi zakho phakathi kweesithathu neyeshumi ngaphantsi kwexabiso le- invoyisi . Ngoku ucela ukuba kutheni nawuphi na ishishini Impendulo yile yokuba kwiinkampani ezininzi, iipesenti ezingama-90 ze-invoyisi ngoku zingcono kunama-100 ekhulwini ye-invoyisi ezinsukwini ezingama-90. Okokuba ngaba umthengi uhlawula ngokugcwele. umntu wesithathu kwaye ugxininise ekwenzeni ishishini kwaye uvelise izikhokelo kunokuba uhlawule iintlawulo.
Icandelo lesithathu lixosha umthengi ngenkokhelo. "
"Uninzi lwama- proprietorship kunye neentsebenziswano zanciphisa inani labanikazi abahlawulwayo, kwaye kwiimeko ezininzi, abanini abajobile imali yabo emashishini ukuba baqhubeke nokusebenza, ngelixa abanye batyelela ishishini labo kwiindawo ezahlukahlukeneyo okanye ezinenzuzo ."
Imali kunye neNzuzo
Ukuhamba kwemali kunye nenzuzo akufani. Ukubalwa kwemali akujolise ekuphumeni kwemali . Ijoliswe kwingeniso engenayo okanye inzuzo. Ngaphezulu kwexesha elide, inzuzo kunye nokuhamba kwemali zilinganayo, kodwa ukuhlukana okubaluleke kakhulu ixesha.
Isikhathi singabaluleke kakhulu kwi shishini elincinci . Umzekelo, xa uthengisa kumthengi wekhredithi, uyaqaphela ukuba ukuthengiswa kwangoko kwintetho yakho engenayo. Oko kubizwa ngokuba yi- accounting accrual . Nangona kunjalo, awufumani imali ngokukhawuleza.
Kwibhajethi yakho yemali kunye nesitatimende sakho sokuhamba kwemali , awubonakali ukuba ukuthengiswa kwekhredithi uze ufumane inkokhelo.
Uyabona indlela ikhefu phakathi kwenzuzo kunye nokuhamba kwemali kunokuba lukhulu kangakanani. Ukuba unokukhula ngokukhawuleza kwintengiso yemboleko, umzekelo, inzuzo ingadlulela kunene imali efunyenweyo. Olu hlobo lwesimo lwenza iinkampani ezincinci zisengozini ekuphumeni kwemali.
Yintoni Ubungakanani?
Uvame ukuva ilizwi lokuthengwa kwetyala elisetyenziselwa ukuhlanganiswa nokuphathwa kwemali. Ubutyala liyakwazi ukuhlawula iimbopheleleko zetyala lexeshana elifutshane. Ngamanye amazwi, ukuba iqumrhu elinamalungelo athile , lingahlawula amatyala alo akhoyo njengemali ehlawulwayo . Ngokuqhelekileyo, iikhompyutyala ezihlawulwayo zihlawulwa ngamatyala obolekisi bakho.
Kukho iindlela ongayisebenzisa ukulinganisa ukuthengiswa kwakho. Uhlalutyo lwemilinganiselo yezezezimali luyakunceda ubone ukuba i-firm firm yakho yintoni okanye indlela eya kuba yimpumelelo ngayo ekuhlangabezaneni nezibophelelo zesikweletu sayo esifutshane. Umlinganiselo wamanje uza kukunceda uqikelele umlinganiselo wezinto zakho zangoku kwiimfanelo zakho zangoku. Iimpahla zangoku ziquka imali, i-akhawunti efunyenweyo, i-inventory, kwaye ngamanye amaxesha izinto ezifana nemigangatho yokuthengisa. Kufuneka ufumane iimpahla ezingaphezulu kwamanqanaba akhoyo akhoyo kwiphepha lakho lesibhalansi ngamaxesha onke.
Inani elikhawulezayo liya kukuvumela ukuba uhlawule ukuba unakho ukuhlawula iimbopheleleko zamatyala ezifutshane, okanye amatyala akhoyo, ngaphandle kokuba uthengise nayiphi na i-inventory. Kubalulekile ukuba ishishini likwazi ukwenza oku ngenxa yokuba, ukuba kufuneka uthengise i-inventory ukuhlawula iindleko ezithetha ukuba kufuneka ufumane umthengi kuloo mali. Ukufumana umthengi akusoloko kulula okanye kwenzeka.
Kukho ezinye iindlela ezahlukahlukeneyo zokuthengiswa kwemali ozakufuna ukuzisebenzisa ukujonga isikhundla sakho semali.
Ukugxininisa kwi-liquidity kuza ngokuqhelekileyo kwi-CEO kunokuba ngumgcini-akhawunti oqeqeshwe ukuba asebenzise i- accounting account . Xa ibhizinisi lakho liqala nje, usebenza ngokukhawuleza kwikhokhsi, okuyimodeli yokubalwa kwemali . Ngethuba nje ukuba kukho imali kwi-akhawunti, ibhizinisi lakho lisixazulula. Njengoko ishishini lakho liba nzima kakhulu, kuya kufuneka ufumane i-accounting accounting. Nangona kunjalo, kufuneka ugcine ugxininiso kwi-liquidity kunye nokuphathwa kwemali nangona ulandelela imali engenayo ngokubakho kwemali.
Uhlahlo lwabiwo mali
Uninzi lweenkampani kufuneka zilungiselele imali-mali yenyanga nganye ukuze zilandele imali yazo. Enyanisweni, uhlahlo lwabiwo-mali lufanele lwenziwe ezintandathu ukuya kweenyanga ezilishumi elinesibini ngaphambi kokuba kwenziwe iimfuno zemali zeprojekthi . Uhlahlo lwabiwo-mali luza kubamba ukuhluka kwexesha phakathi kwenzeniso oyibonayo kwingxelo yengeniso kunye nemali eyenza ngokuqinisekileyo ifike kwi-firm and flowing out of the firm.
Injongo yebhajethi yemali ayiyi kubeka iithagethi zemali kodwa ikulindele iimfuno. Ukuba ulungiselela uhlahlo lwabiwo-mali kwiinyanga ezili-6 ukuya kwezi-12 ngaphambili kwaye iimfuno zakho ziguquka, utshintshe i-budget yakho yemali. Ukuzigcina zihlawule ngenxa yokuba iindleko zokuhlawula ngokwemali kwishishini liphezulu. Ufanele ukwazi ukuba kwii-siqu zemali zakho. Lungiselela uhlahlo lwabiwo mali ngokufanelekileyo.
Uhlahlo lwabiwo-mali luyakwazi ukujongana neemeko "zenzenjani". Ungayisebenzisa ukuvavanya imiba eyahlukeneyo yexesha elizayo. Unokufakela ipesenteji yokunokwenzeka kwimeko ezayo kwaye uvavanye ukucinga kwakho. Umzekelo, unokutshintsha isantya seqoqo yakho okanye ixesha lokuthengwa kwempahla yakho kwaye ubone indlela ekuchaphazela ngayo imali yakho.
Indlela yokukhulisa ukuhamba kwakho kwemali
Injongo yakho, njengomnini kunye nomphathi wenkampani yakho, ukucoca yonke imali ephuma kwi-balance sheet yakho ongayenza. Akufuneki nje ukuba ufuna ukufumana imali eninzi kwinkampani yakho njengoko unako, kodwa ufuna kwakhona ukuyikhupha xa kunokwenzeka ukuba unobungozi okanye ingxaki.
Ii- akhawunti zakho ezimbini ze- asethi eziqhelekileyo zihlala zikhupha ezinkulu kwiimali zakho. Ziyimpahla kunye neengxelo ezifunyenweyo. Inventory yimveliso oyithengisayo kunye neengxelo ezifunyenweyo zi-akhawunti zakho zekreditenti okanye ezo akhawunti ezimela i-credit uyenzela abathengi. Izilinganiso kwiingxelo zombini zifuneka ziguqulwe zibe yimali ngokukhawuleza.
Ungasebenzisa uhlalutyo lwengxelo yemali ukujonga isikhundla sakho malunga nokufunyanwa kwemali kunye neemali ezifunyenweyo . Imilinganiselo yokubuyiswa kwempahla inokukuxelela ukuba i-inventory yakho isiphelile okanye ukuba uthengisa ngokukhawuleza ubeka ngaphandle. Ii-akhawunti ezifumana iimali , ezifana nokuthengiswa kwemini, zikwazisa ukuba abathengi bakho bakhawuleza bahlambulula iakhawunti zabo. Emva kokuba unqume isikhundla sakho sempahla kunye neemali ezifunyenweyo, ungathatha amanyathelo afanelekileyo ukuze ulungelelanise kwaye ube nemali eninzi ezayo yakho.
Enye indlela yokufumana imali engaphezulu kwishishini lakho malunga nabaxhasi bakho kunye neentlawulo zemali usebenzisa i-bhokisi yebhokisi yokukhusela ukuqokelela iintlawulo. Ukuba uhlawulwe iintlawulo okanye uthunyelwe kwi-bhokisi yokukhiya, ezo ntlawulo zifikelela kwiakhawunti yakho ngokukhawuleza. Ibhanki yakho inokutshintsha imali kwi-akhawunti ethwele inzala.
Elinye iqhinga elifutshane elifutshane lokunciphisa imali kwi- balance sheet yakho kukujonga iimfanelo ezikhoyo kwi- balance sheet yakho . Gxininisa kwiakhawunti zakho ezihlawulwayo. Yiyo into obolekisi bakho ababoneleli. Bhatala iakhawunti yakho ehlawulwa ngomhla ofunekayo, kungekudala. Akukho sizathu sokunika ababoneleli bakho iintsuku zemali ngaphambi kokuba ibhilikhwe ihlawulwe. Ibhizinisi lakho lifuna ukusebenzisa loo mali. Sula ukusetyenziswa kwemali yakho.
Iimpawu zoLawulo lweCash Good
Umgca wolawulo olufanelekileyo lwemali kukuba, kwiinkathazo, izitatimende zemali eziqhelekileyo azibalulekanga kwaye zonke izinto ezibalulekileyo zisinda kwindawo yokujonga imali. Kwiingxaki zemali, ezifana nokunciphisa umnotho, kugxininiswa ngumnini-shishini, ngokuyimfuneko, ixesha elifutshane kakhulu. Ngokuqhelekileyo, ubunzima beengxowa-mali buya kubangela ukuziphatha kakuhle kwemali kumagosa oshishino abaphatha phambili ukususela ngaloo mini.
Abaphathi kufuneka baqonde indlela yokulungiselela ibhajethi yemali yenyanga. Okulandelayo, kufuneka baqonde imithombo kunye nokusetyenziswa kwemali efana neyo kuchazwe kwiNkcazo yeCash Flow , enye yezinto ezintathu ezifunekayo kwingxelo zemali . Ingxelo oyifumanayo kule nkcazo zemali ibaluleke kakhulu. Ukuqala kunye ne-inventory kunye ne-akhawunti efunyenweyo, ukuba ngabaphathi bakwazi ukwandisa ukuhamba kwabo kwemali, banokuze baphephe ukuphuma ngaphandle kwemali yokusebenza baze bazivelele kwiingxaki zokuhamba kwemali.