Ukukhula kuvame ukudinga imali. Ungase udinge isitoko, izinsiza, imoto, izindawo, abasebenzi noma ukumaketha ngaphambi kokuba ibhizinisi liqale ukwenza imali engaphezulu kulelo ithuba.
Le mali ingavela ekongweni kwakho noma ekuxhasweni ngezimali, isikweletu, ukuthenga ngezikhathi, ukuxhaswa ngezimpahla noma indlelokusebenza efana nalokho lapho ibhizinisi liboleka futhi libuyisele ngokuhamba kwesikhathi. Zombili izinketho zinezindleko nobungozi. Akukho enye engcono ngokuzenzakalelayo.
Kungani ukukhetha ukuxhaswa ngezimali kubalulekile
Isinqumo ngakunye sokuxhaswa ngezimali sithinta izinto ezimbili: ukuthi ukuthenga kubiza malini isamba kanye nokuthi ibhizinisi lithwala ingcindezi emingakanani njalo ngenyanga.
Ukonga kungabonakala kuthobayo ngoba akukho nzalo, kodwa ukuchitha ukonga kusenazo izindleko, ibhizinisi liphulukela imali engase ibe nezinyanga eziphansi, izimo eziphuthumayo noma izidiphozithi zabahlinzeki. Ukuxhaswa ngezimali kuvumela ibhizinisi lithenge okuthile manje futhi lisabalalise izindleko, kodwa ukubuyisela, izimali nenzalo zengeza entengo eziphelele.
Inketho engcono incike ekutheni imali isetshenziselwa ini, ukuthi inzuzo izofika nini nokuthi ibhizinisi lingasaphatha yini ezinye izibopho zalo ngemva kwalokho.
Incazelo
Ukuxhaswa ngezimali
Ukuxhaswa ngezimali imali ebolekwe ngenjongo yebhizinisi, ibuyiselwe ngokuhamba kwesikhathi ngezimali nenzalo ezivunyelwe. Izindlela ezivamile zifaka izikweletu zebhizinisi, ukuxhaswa ngezimoto, ukuthenga ngezikhathi nokuxhaswa ngezimpahla.
Incazelo
Ibhafa lemali
Ibhafa lemali imali ibhizinisi eligcina elitholakalayo ezinyangeni eziphansi, ezinkokhelo zamaklayenti ezilibazilekile, ukulungiswa nezimo eziphuthumayo, esikhundleni sokuyichitha konke ekukhuleni.
Ukusebenzisa ukonga: ukubuyisela okuphansi, isibopho sokuphepha esincane
Ukonga kungaba inketho eqinile lapho ukuthenga kusekela ngokucacile ibhizinisi futhi kusele imali eyanele yokusebenza okujwayelekile nezimanga.
Ngaphambi kokusebenzisa ukonga, buza:
- Imali engakanani izosala ngemva kokuthenga?
- Kuthiwani uma ukuthengisa kuncipha kunokulindelwe?
- Kuthiwani uma ikhasimende likhokha kancane noma izinsiza zidinga ukulungiswa okuphuthumayo?
- Ingabe ibhizinisi lisaphatha imiholo, indleko yokuqasha nabahlinzeki?
- Ingabe lokhu ukusetshenziswa okungcono kakhulu kwemali manje?
Ukonga kungabonakala kumahhala ngoba akukho mbolekisi, kodwa kusengumthombo webhizinisi. Uma sekusetshenzisiwe, leyo nvikelo iyahamba kuze kube yilapho ibhizinisi selakha amareserves.
Ukonga kusetshenziselwa ukukhula ngaphandle kwebhafa elisele
Ibhizinisi lezokuletha lisebenzisa u-R80 000 ekongweni ukuthenga imoto yesibili yokuletha. Umnikazi ulindele izinkontileka eziningi ezinyangeni ezimbili.
Enyanga eyodwa kamuva, imoto enkulu idinga ukulungiswa okukhulu. Ikhasimende eliyinhloko likhokha izinsuku ezingama-45 kancane. Ibhizinisi alinabhafa lemali futhi linqaba ukumboza uphethiloli, umshwalense nemiholo yomshayeli.
Umphumela: Ukuthenga imoto kungase kube yisinqumo esihle, kodwa ukusebenzisa konke ukonga okutholakalayo kususe ikhono lebhizinisi lokuphatha ukulibaziseka okujwayelekile nezimo eziphuthumayo.
Ukusebenzisa ukuxhaswa ngezimali: thenga manje, zibophele kamuva
Ukuxhaswa ngezimali kungasiza ibhizinisi lithenge okuthile manje, izinsiza, imoto noma isitoko sesivumelwano, kugcinwa imali ethile yokuphila kwansuku zonke.
Kodwa ukuxhaswa ngezimali kudala isibopho. Ngaphambi kokuboleka, qonda inani lokubuyisela, inzalo, izimali, isikhathi sokubuyisela, idiphozithi edingekayo, kuthiwani uma uphuthelwa izinkokhelo nokuthi impahla noma isivumelwano sizokhiqiza yini imali eyanele yokumboza ukubuyisela.
Ukuboleka kufanele kube nencazelo lapho ibhizinisi lingakhokha ukubuyisela futhi ukuxhaswa ngezimali kusekela injongo yebhizinisi ecacile, hhayi lapho kusetshenziselwa ukumboza ukulahlekelwa okuqhubekayo ngaphandle kokulungisa isizathu.
| Isici | Ukusebenzisa ukonga | Ukusebenzisa ukuxhaswa ngezimali |
|---|---|---|
| Imali engaphambili edingekayo | Inani eliphelele lokuthenga livela kumareserves ebhizinisi | Kuvame ukuba yidiphozithi kanye nokubuyisela kwanyanga zonke |
| Izindleko eziphelele | Intengo yokuthenga kuphela | Intengo yokuthenga kanye nenzalo nezimali |
| Ingcindezi yanyanga zonke | Akukho ukubuyisela, kodwa imali encane etholakalayo | Ukubuyisela okuqinisekile kuqhubeka ngeshedyuli |
| Ubungozi ezinyangeni eziphansi | Kungaphela ngokushesha ibhafa | Kufanele kuhlangatshezwane nokubuyisela ngisho noma imali engenayo yehla |
| Kungcono lapho | Ukuthenga kuyakhokheka futhi kusele ibhafa | Impahla noma isivumelwano sizokhokha ukubuyisela futhi imali iyadingeka ekusebenzeni |
Fanisa imali nesidingo
Akuyona yonke isidingo sebhizinisi okufanele sixhaswe ngendlela efanayo. Izidingo zesikhashana nezimpahla zesikhathi eside ziyizinqumo ezihlukile.
Isitoko se-oda eliqinisekisiwe singase sidinge ukuxhaswa ngezimali kwesikhashana. Izinsiza noma imoto zingase zidinge ukuhlela kwesikhathi eside. Imali yesimo esiphuthumayo akufanele isetshenziselwe ukukhula okungakhethwa. Imali ebolekwe akufanele isetshenziselwe ukumboza ukulahlekelwa okuqhubekayo ngaphandle kokulungisa ukuthi kungani ibhizinisi lilahlekelwa imali.
| Isidingo sebhizinisi | Indlela yokuxhaswa ongayicabangela |
|---|---|
| Isitoko se-oda esaziwayo | Ukuxhaswa ngezimali kwesikhashana noma ukonga uma i-oda lizokhokha masinya |
| Izinsiza noma imoto | Ukonga, ukuxhaswa ngezimali noma ukuqasha, kuye ngokwezindleko eziphelele nemali esele |
| Ukulungiswa okuphuthumayo | Ibhafa lemali noma umshwalense, hhayi isikweletu esisha sokuchitha okungakhethwa |
| Ukumboza ukulahlekelwa kwanyanga zonke | Lungisa inkinga eyinhloko kuqala, ukuxhaswa ngezimali kuzongeza ingcindezi |
Qathanisa zombili izinketho ngaphambi kokukhetha
Sebenzisa isinqumo ngezinombolo ezilula. Uma ungakwazi ukuchaza ukukhetha ngomusho owodwa, ungase udinge ulwazi olwengeziwe ngaphambi kokwenza.
Imibuzo
Cha. Ukonga kungaba yinketho enhle lapho ukuthenga kucacile ukuthi kufanele futhi kusele imali eyanele yokusebenza okujwayelekile nezimo eziphuthumayo. Ubungozi ukusebenzisa konke ukonga futhi ungashiyi ibhafa.
Nini ukuxhaswa ngezimali kuba nencazelo kakhulu?
Ukuxhaswa ngezimali kungafanele ukuthenga okuzokhiqiza imali ngokuhamba kwesikhathi, njengezinsiza noma imoto, lapho ibhizinisi lidinga ukugcina imali yesitoko, imiholo nezindleko zansuku zonke. Ukubuyisela kufanele kusaphatheka ezinyangeni eziphansi.
Ngingasebenzisa kokubili ukonga nokuxhaswa ngezimali?
Yebo. Idiphozithi evela ekongweni kanye nokuxhaswa ngezimali kwebhalansi kunganciphisa inzalo ephelele kugcinwe ingxenye yebhafa lakho lemali. Qathanisa izindleko eziphelele nengcindezi yanyanga zonke yohlanganiswa ngalunye.
Iphutha elivamile
Ukusebenzisa konke ukonga kokukhula futhi ungashiyi ibhafa yezinyanga eziphansi, izinkokhelo ezilibazilekile noma ukulungiswa. Ukukhula okuxhaswe ngaphandle kwesibopho sokuphepha kungaguqula ithuba elihle libe yingcindezi yemali.
Isinyathelo sakho esilandelayo
Khetha ukuthenga okuzayo noma izindleko zokukhula. Bhala amakholomu amabili, ukonga nokuxhaswa ngezimali, ngezindleko eziphelele, imali esele nengcindezi yanyanga zonke. Khetha inketho esekela injongo yebhizinisi kuyilapho kusele indawo eyanele yokuphila uma imali engenayo ifika kancane.
Qhubeka ufunda
Isihloko sokugcina kuleli hubu sihlanganisa izinqumo zokukhula. Sikusize ubale izindleko eziza ngaphambi kokuba amaklayenti amasha, abasebenzi noma izinsiza adale imali engenayo ezinzile.
Okungadawunilodiwe
Umhlahlandlela wesinqumo sokonga vs ukuxhaswa ngezimali