Enye yezona mpazamo zimbi onokuzenza kulawulo lotyalo-mali kukuzama ukuba nayo yonke intloko yakho, ufunde ngentloko into ekufuneka uyenzile. Uxakekile, imisebenzi emininzi kuya kufuneka uyenzeXa unyanzelekile uya kuziva ukuhlangabezana nemihla esikiweyo kwaye kunokwenzeka ukuba uyilibale into, ngaphandle kokuba ucwangcise inkqubo esebenzayo yokulawula utyalo-mali ngempumelelo ethile kule minyaka imbalwa izayo.
Ngethamsanqa, kukho indlela enjalo kwaye ibizwa ngokuba ne- ikhalenda yotyalo-mali. Kwimarike kukho iintlobo ngeentlobo zeemveliso ezinceda ekuphuhliseni lo msebenzi kwaye ezinye zazo zilungile ngenene. Kwiinkqubo zekhompyuter ezinokuthi iinkqubo alarm kuba lixesha lokuthenga okanye ukuthengisa izabelo kwimarike yemasheya. Ayothusi into yokuba isaziso sinokuvelisa uncedo olukhulu kwisigqibo oza kusenza kwiiveki ezimbalwa kwangaphambili. Ngokomxholo wezinto eziphambili ngokubaluleka, icandelo labaphathi elingabalulekanga akufuneki libandakanywe kwinkqubo yolawulo lwakho engxoweni.
Sukukhetha inkqubo yolawulo ngobunzima bayo kwezobuchwephesha, ngomgangatho wayo okanye ngenkxaso enayo. Inkqubo kufuneka ilungiswe indlela oceba ukuyisebenzisa ngayo. Ngokubanzi, inkqubo kufuneka ihlangane neendlela ezimbini ezisisiseko. Ukuqaqambisa uxanduva lwexesha elizayo, unokufuna ukusebenzisa iinkqubo zobugcisa. Kwelinye icala, endaweni yokuba ndikukhumbuze ngokujonga nje kwelinye iinkcukacha zenkqubo yezi mpawu, kuyakunyanzela ukuba ukhangele idatha nganye yotyalo-mali kwaye uphakamise amathuba amaninzi oshishino onokuwafumana kula maqonga.
Ukutyala impumelelo: Ukufumana imikhwa
Eyona nto ibaluleke kakhulu malunga nenkqubo yotyalo-mali ngokuqinisekileyo kukungena kumkhwa wokuziqhelanisa nemarike yemasheya kwaye uyenze isikhokelo sakho ukusetyenziswa kwexesha. Usebenzisa ngale ndlela, nayiphi na inkqubo imele uncedo olukhulu nkqu nale uyenzileyo ukucwangcisa utyalo-mali kulo naluphi na uhlobo lwesicwangciso-mali.
Nje ukuba umisele i Uluhlu lokuphambili ufuna ukwenza ukusukela kula maxesha usendleleni ukuya ekuphumezeni injongo, iya kuba lixesha lokuyidibanisa ukuba ibe yinkqubo ehambelanayo yotyalo mali. Xa usenza umsebenzi wokuthenga, umzekelo, unokucamngca ngezinto eziphambili oza kuthi ujongane nazo ukusukela ngoko ukuya phambili.
- Iinjongo omele uzibekele zona
- Chonga ukuba yintoni ufuna ukuyenza Ngokwenene.
- Beka a bhajethi Ukusebenza kwiimarike zemali.
- Thatha isigqibo sokuba uza kuthini ukhuseleko okanye iiasethi zemali ufuna ukwenza ngokusesikweni.
- Thelekisa amaxabiso, imiqathango, ikhontrakthi yevolumu yeendlela ezahlukeneyo ezinikezelwa ziimarike zezemali.
- Misela ukuba yintoni imithombo yolwazi ufuna ukuqesha.
- Yenza umsebenzi kwiimarike zokulingana kwi mzuzu olungileyo.
Ewe kunjalo, akufuneki uthembe ukuba ezi ntshukumo zotyalo-mali zikhawuleza kakhulu ngokwexesha elimiselweyo. Awunakugqiba ukuba uza kuthenga phi kude kube uthelekise imithombo eyahlukeneyo kwaye ujonge ukuba ingakanani imali ozimisele ukuyisebenzisa. Ixesha elifunekayo lomsebenzi ngamnye lixhomekeke kumsebenzi obandakanyekayo.
Ewe, awungekhe wenze lula ukusebenza kwaye uninzi lokuthenga alunakwenziwa ngexesha elifutshane kuba oko bekuya kuthetha umngcipheko ogqithisileyo kwimisebenzi. Nangona kunjalo, nokuba leliphi inani lomsebenzi ofunekayo, kunokwenzeka ukuba ulibone kwangaphambili ixesha elifunekayo ukuze uzenze ngempumelelo.
Cwangcisa utyalo mali phambi kwexesha
Kwelinye icala, inkqubo yotyalo mali epheleleyo ilula Indawo yokuqala yokuhamba kwimarike yemasheya. Inika isishwankathelo esikhawulezayo sento onokuyilindela, kodwa ayiqulathanga zinto zaneleyo zokulawula ixesha lakho. Ukuza kuthi ga ngoku kuya kufuneka uququzelele umsebenzi wakho kutyalo-mali ekufuneka lucwangciswe kwaye lube nenkqubela.
Awunakulibala ukuba ngoku uyazi ufuna iiyure ezingaphi Kutyalo-mali ngalunye, kuya kuba lixesha lokuchaza imigaqo yabo. Ngexesha lamaxesha ekufuneka ukwenze ukuthengwa kwenziwe ngokusesikweni, kunokwenzeka ukuba uneentlobo ngeentlobo zeendidi okanye izindululo zesitokhwe ezahlukeneyo. Lithuba elifanelekileyo lokucacisa ukuba sithini isigqibo oza kusithatha ukusukela ngoku. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwimbono esisiseko.
Sombulula iingxaki
Inkqubo echanekileyo yotyalo-mali yahlulahlula usuku ngalunye kwiibhloko ezininzi zexesha, kwaye nganye kwezi kufuneka usebenze kwimisebenzi yotyalo-mali ekuvumela ukuba uqhubele phambili ekufezekiseni iinjongo zakho. Kodwa, xa usuka kwenye ibhloko uye kwenye, Kuya kufuneka wenze imisebenzi eyahlukeneyo, apho kunokwenzeka khona ukuba iifowuni ngaphandle kwezi zingasentla zibandakanyekile. Kuzo zombini ezi meko, kufanele ukuba ibe yenye yezona zinto ziphambili ekufuneka zijolise kuzo. Yenye yeendlela eziza kukunceda wenze ezona mpazamo zincinci kwimisebenzi yakho kwiimarike zezabelo.
Kwelinye icala, ukusuka kwinqanaba le uhlahlo lwabiwo-mali ekuthengeniUmzekelo, ungaya ngqo uye kwelinye kwenye indawo elifutshane kakhulu. Olo tshintsho lokugxila lunokulibaziseka okanye luyekiswe kwiitraki zabo ukuba awukakulungeli oku kudlala. Kodwa ukuba uyakwazi ukubabandakanya kwinkqubo yakho yotyalo-mali, uya kufezekisa ngokulula kwaye ngaphandle kokulibazisa ezinye zeenjongo ezibaluleke kakhulu ozijongileyo kutyalo-mali olwenzayo nangaliphi na ixesha lonyaka. Ngale nto, ukwenziwa kokusebenza kuya kusebenza ngakumbi kunangoku. Ungathandabuzi ukuba uza kuyifumana ukusukela ngoku.
Lixesha lokuba urhwebe
Isebenza njani? Enye indlela kukulungiselela kwangaphambili ukuze iingxelo kunye nedatha eqokelelweyo ikulungele xa sele ukulungele ukuqala ukurhweba kwiimarike zemali. Eyona nto ingcono mhlawumbi, unako yabela abanye abantu okanye iingcali Umsebenzi wokulungiselela uhlalutyo olukuvumela ukuba ube nokuvela ngokukhawuleza kunye novavanyo lotyalo-mali onqwenela ukulwenza kwiintsuku okanye kwiiveki ezizayo. Ngale nto, uya kuba nomhlaba omninzi ofumanekayo ekulungiseleleni ukuthenga izabelo kwiimarike zezemali.
Ngomnye umthambo, kubalulekile ukuba ugcine engqondweni ukuba awuzukukhetha ngaphandle kokugcina ixesha eloneleyo Isigqibo sakho sigqibe ngendlela enye okanye enye. Nokuba kuxabisa ixesha elininzi ukuyiphuhlisa kuba iziqinisekiso ziya kubanzi kakhulu zenziwe kule yoqobo kwaye kwangaxeshanye isicwangciso esisebenzayo. Kwelinye icala, awusoze ushiye izigqibo ekufuneka uzenzile kwiimarike zezemali ziye kuphuculo. Hayi ngelize, kuya kufuneka ucinge ukuba yimali yakho esesichengeni kwaye kule ndlela, uvavanyo oluxabisekileyo aluxabisekanga kuba ungabhatala imali eninzi kakhulu ukusukela ngoku.
Ziphephe iimpazamo ezinkulu
Ukuba ucinga ngesi sihloko, uninzi lwezi ngcinga zingasentla zinokubonakala kwasekuqaleni. Ngokuqinisekileyo uyayiqonda loo nto ndikunike ixesha elaneleyo Ukuya kwenye okanye kwelinye icandelo lesicwangciso sotyalo-mali kungathatha ixesha elide kunokuba bekulindelwe kwasekuqaleni. Kuba, enyanisweni, kukulandela amanyathelo okuphepha naluphi na uhlobo lweempazamo kutyalo-mali kwimarike yemasheya, ngaphaya kwento efunekayo ngokungqongqo kwaye kubandakanya utyalomali lwezi mpawu. Ngesi sizathu, uqeqesho kwizenzo zakho luya kuba lelinye lawona maqela wakho aqhelekileyo njengomtyali mali omncinci nophakathi.
Ingqondo esulungekileyo, njengoko unokuqonda ngenye indlela. Mhlawumbi khange ube nalo ixesha okanye ubukho bokufunda obuyimfuneko ukuze ucamngce ngengqiqo kwezinye zezi ngcamango. Ukuba kunjalo, awuthandabuzi ukuba uyakufuna nexesha elingakumbi ukwanelisa ezona njongo zakho zikwiimarike zezabelo. Kuba inkqubo ayizukunceda nganto kutyalo mali ukuba awunalo uqeqesho olufanelekileyo ukuyiqhuba. Lixesha lokuba unikezele ngezi mpawu kwiprofayili yakho njengomtyali mali othengisa kuwe.
Ukuba ungxamile uyazilibala ezinye zeengcebiso esizibhence kuwe, ngaphandle kwamathandabuzo ukuba uya kujongana nengxabano ayinakukukhokelela kuyo nayiphi na into elungileyo ngokubhekisele kutyalo-mali lwakho. Ngomngcipheko ofihlakeleyo onokuthi uphulukane nenxalenye elungileyo yolondolozo olujolise kolu tyalo mali. Okanye ubuncinci akuyi kuba yimfuneko ukuba usebenze ngokusesikweni le nkqubo ngendlela efanelekileyo, ungoyena nobangela ubalulekileyo ukuze lonke utyalo-mali lwakho lungafikeleli kwiziqhamo. Njengakwelinye icala, kuya kwenzeka kuwe amaxesha ngamaxesha kwimbali yakho ende njengomtyali mali omncinci nophakathi.
Ukusuka kule meko ngokubanzi, ngaphandle kwamathandabuzo ukuba ukucwangcisa utyalomali lwakho kuya kukunceda kulo msebenzi wokunxibelelana nelizwe elihlala linzima lemali. Apho umdla wakho uya kuhlala usemngciphekweni kwaye mhlawumbi nokuzivelela kwabo. Kufanelekile ukuchitha ixesha elincinci ujonga ezi ngcamango.