Isonto elimatasatasa lingakwenza uzizwe sengathi ibhizinisi liyaphumelela.
Amakhasimende ayafona. Ama-oda ayangena. Imali iyangena ku-akhawunti yakho. Kodwa ukuthengisa akufani nokwenza inzuzo. Ibhizinisi lingabonakala limatasa kodwa libe lingayenzi imali eyanele ukuze liqhubeke nokusebenza.
Ukuze wazi ukuthi ngempela uyayenza yini imali, qhathanisa imali ibhizinisi eliyingenisayo nezindleko zokuliqhuba. Lokhu kuhlola okulula kungashintsha indlela obeka ngayo amanani, osebenzisa ngayo imali nohlela ngayo ibhizinisi.
Kungani inzuzo ibaluleke kakhulu kunesamba semali engenayo ngokuthengisa
Isamba semali engenayo ngokuthengisa (turnover) siyisamba senani lakho konke okuthengisayo. Inzuzo (profit) yimali esalayo ngemva kokukhokha izindleko zokuqhuba ibhizinisi.
Abanikazi bamabhizinisi abaningi bagxila emalini engenayo bese becabanga ukuthi ibhizinisi lisebenza kahle. Lokho kungadukisa. Izindleko zesitoko, ezokuthutha, amaholo, irenti kanye nezinye izindleko zingadla ingxenye enkulu yemali ibhizinisi eliyingenisayo ngaphandle kokuthi ukuqaphele.
- Inzuzo
- Inzuzo yimali esalayo ngemva kokuba usususe izindleko zokuhlinzeka ngomkhiqizo noma ngesevisi yakho kanye nezinye izindleko zebhizinisi emalini oyithole ngokuthengisa.
Uma uyiqonda kahle inzuzo, ungakwazi ukuphendula imibuzo enzima efana nokuthi: Ingabe kufanele ngiwamukele lo msebenzi? Ngingakwazi yini ukukhokhela ukuqasha umuntu ozongisiza? Ingabe intengo yami iphezulu ngokwanele? Uma ungenaso lesi sithombe esicacile sezimali, ungase usebenze kanzima kakhulu kodwa ibhizinisi lingathuthuki.
Qala ngemali engenayo
Imali engenayo yimali ibhizinisi lakho eliyithola ngokuthengisa imikhiqizo noma ngokuhlinzeka ngamasevisi. Ingase ingene njengokheshi, nge-EFT, ngezinkokhelo zamakhadi, ngezinkokhelo zamaselula noma ngamadiphozithi.
Gcina irekhodi lakho kokubili imali esingenile kanye nemali amakhasimende asakukweleta yona. I-invoyisi engakakhokhelwa iyimali olindele ukuyithola, kodwa akukabi ukheshi ongawusebenzisa.
Inyanga enhle yokuthengisa ephepheni
Uqhuba ibhizinisi elincane lokuhlinzeka ngokudla emicimbini. NgoMashi ukhipha ama-invoyisi angu-R45 000 emicimbi oyisebenzele. Kubonakala sengathi lena yinyanga yakho ehamba phambili kuze kube manje.
Kodwa u-R18 000 waleyo mali awukakhokhwa. Ususebenzise u-R28 000 ukuthenga izithako, ukukhokhela ezokuthutha kanye nabasebenzi besikhashana ukuze wenze umsebenzi.
Umphumela: Ukuthengisa kubonakala kuhamba kahle, kodwa ngu-R27 000 kuphela osungenile kanti izindleko sezivele ziphezulu. Le nyanga ayinanzuzo njengoba ibibonakala ekuqaleni.
Ungabali kuphela imali osuyitholile. Phinde ubhale ukuthi obani abasakukweleta nokuthi kulindeleke ukuthi bakhokhe nini.
Bese ubhala uhlu lwezindleko zakho
Izindleko yiyo yonke imali ibhizinisi eliyisebenzisayo ukuze liqhubeke nokusebenza. Ezinye izindleko ziba khona njalo ngenyanga. Ezinye ziyakhuphuka kuphela lapho wenza umsebenzi noma uthengisa umkhiqizo.
Izindleko ezivamile zihlanganisa isitoko noma izinto zokusebenza, uphethiloli, idatha ne-airtime, irenti, ugesi, amaholo, ezokuthutha, imishini, izinto zokupakisha, ukulungisa, izindleko zasebhange, ukukhokhwa kwezikweletu zemalimboleko, umshwalense, amalayisensi, ukumaketha kanye nemali oyikhipha ebhizinisini ukuze uyisebenzisele izidingo zakho zomuntu siqu.
Ukuhlola inzuzo ngendlela elula
Awudingi ukubalwa kwezimali okuyinkimbinkimbi ukuze ubone ukuthi ibhizinisi liyayenza yini imali. Ukuhlola izinombolo ezintathu eziyisisekelo kwanele ukuze uqale.
| Lokho okulandelekayo | Lokho okukutshela khona |
|---|---|
| Imali etholwe ngokuthengisa | Inani lomsebenzi owenziwe noma izimpahla ezithengisiwe |
| Izindleko zokuletha umkhiqizo noma insizakalo | Isitoko, izinto zokusebenza, abasebenzi kanye nokulethwa okuhlobene ngokuqondile nokuthengisa ngakunye |
| Ezinye izindleko zebhizinisi | Irenti, umshwalense, okubhaliselwe kanye nezindleko ezingahlobene nomsebenzi owodwa |
| Umphumela: inzuzo noma ukulahlekelwa | Imali esalayo ngemva kokususa zonke izindleko |
Uma umphumela ungaphezulu kuka-zero, ibhizinisi lenze inzuzo. Uma ungaphansi kuka-zero, ibhizinisi libe nokulahlekelwa ngaleso sikhathi.
Okufanele ukuhlole njalo ngenyanga
Ukuhlola izimali njalo ngenyanga kukusiza ukuthi ubone izinkinga ngaphambi kokuba imali ibe ncane. Awufuni ukuthi yonke into iphelele. Ufuna ukubona amaphethini.
Zibuze: Sithengise malini? Ingakanani imali engene ngempela? Sisebenzise malini? Yiziphi izindleko ebeziphezulu kunalokho ebesikulindele? Obani abasasikweleta? Yini okusadingeka siyikhokhe? Ingakanani imali esele? Ingabe ibhizinisi lingakwazi ukukhokhela izindleko zenyanga ezayo?
Ukubona inkinga kusenesikhathi
Uqhuba ibhizinisi lokulungisa izinto elihambela amakhasimende. U-April ubonakala ungamatasa kakhulu, kodwa awukhathazekile ngoba uMashi ubumatasa.
Ekupheleni kwenyanga uqhathanisa izinombolo. Imali engenayo yehlile, kodwa irenti, umshwalense kanye nenkontileka yakho yedatha kuhlale kuyizindleko ezifanayo. Izindleko zikaphethiloli nezesitoko nazo zikhuphukile emisebenzini embalwa oyenzile.
Umphumela: Ubona igebe ngaphambi kokuba libe yinkinga enkulu bese unquma ukulandela ama-invoyisi amabili asekwephuzile futhi uhlehlise ukuthengwa kwemishini engadingeki ngokuphuthumayo.
Ukwazi izinombolo zakho kukusiza ukuthi wenze izinqumo ezingcono, hhayi ngemva kokuba imali isiphelile, kodwa ngesikhathi usenezinketho.
Yenza ukuhlola kwakho kwenzuzo kwanyanga zonke
Awudingi uhlelo lwekhompyutha yokubalwa kwezimali ukuze uqale. Incwadi yokubhalela, i-spreadsheet noma amanothi alula ocingweni kungasebenza.
Hlola izinombolo ngesikhathi esifanayo njalo ngenyanga, ngokwesibonelo, ngoMsombuluko wokuqala wenyanga entsha. Ukuhlola okufushane okwenzayo njalo kubaluleke kakhulu kunokuhlola okunemininingwane eminingi kodwa ongakwenzi njalo. kunokuhlola okuningiliziwe okuyeka.
Iphutha elivamile
Abanikazi bamabhizinisi abaningi babheka kuphela imali engenayo.
Lokho kungakwenza uzizwe uqinisekile, kodwa kufihla isithombe esiphelele. Ibhizinisi lingathola u-R10 000 kumakhasimende kuyilapho isitoko, ezokuthutha, amaholo kanye nezinye izindleko kubiza u-R9 500. Inzuzo ingu-R500 kuphela, futhi lokhu kungaphambi kokuba umnikazi azikhokhele ngendlela efanele.
Ukuhlola imali engenayo ngaphandle kokuhlola izindleko kufana nokubheka ukuthi ungakanani uphethiloli osele ethangini ungazi ukuthi kusasele ibanga elingakanani okufanele ulihambe.
Isinyathelo sakho esilandelayo
Khetha inyanga eyodwa, inyanga edlule nayo ilungile, bese wenza ukuhlola inzuzo ngendlela elula. Bhala imali engenayo, izindleko kanye nemali esalayo. Ngisho nezinombolo ezilinganisiwe zizokukhombisa okuningi kunokuqagela.
Qhubeka nokufunda
Isihloko esilandelayo simayelana nendlela yokwenza isabelomali sebhizinisi esilula.
Uma usuwazi ukuthi ibhizinisi liyayenza yini imali, isabelomali sikusiza ukuthi uhlele imali engenayo, okufanele ikhokhwe kanye nalokho ongakwazi ukukukhokhela ngaphambi kokusebenzisa imali.
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