Ngokuya ngemininingwane yakamuva enikezwe yi-Amway Global Entrepreneurship Study, kukhombisa ukuthi izinkulungwane zeminyaka ziya ngokuya zithambekele usomabhizinisi njengefomula yokuthuthukisa umsebenzi wakho wobungcweti. Kutholakala ukuthi oyedwa kubantu ababili abasha, okungukuthi, ama-50%, uyavuma ukuthi unamakhono nezinsizakusebenza ezidingekayo ukuqala noma yiluphi uhlobo lwebhizinisi. Kepha iqiniso eliveza kakhulu ukuthi inkinga yakho enkulu ukuthola okulungile imali ukwenza lezi zifiso emkhakheni webhizinisi.
Lo mbiko uphinde ugcizelele ukuthi inkinga eyinkulungwane yeminyaka eyinkulungwane ukuthola izisetshenziswa zezezimali ukufinyelela lezi zinhloso ezimpilweni zabo zobungcweti. Yebo, bangu-25% kuphela laba bantu abanezinkinga ezithile nge uthole inhlokodolobha ukuqala amabhizinisi abo. Iqiniso elibaluleke kakhulu ukuthi yidlanzana kuphela la bantu abasha abakwaziyo ukuthola imali eyanele ukuqala amaphrojekthi abo obuchwepheshe noma osomabhizinisi.
Ngaphakathi kwalo mongo ojwayelekile, laba bantu bangangenisa uchungechunge lwamathiphu wokonga okhiye abathile abazosebenza kakhulu kusukela manje kuqhubeke. Uma ukufeza engxenyeni enhle yeminikelo yabo, akukho kungabaza ukuthi kuzoba lula kancane ukuba ngusomabhizinisi, yize kungenjalo ngaphandle komzamo omkhulu. Lokhu yilokho okubizwa ngokuthi yimibono yesilondolozi esihlakaniphile oyifunayo khetha ezamabhizinisi esikhundleni sokuba ngumuntu oqashiwe. Kungaba ukhiye wokuba nempumelelo oyifunayo ekuthuthukiseni lo msebenzi omusha ozozinikela kuwo kusukela kulo mzuzu onembile.
Izinjongo kwezamabhizinisi
Uma ungomunye walabo bantu abathathe isinqumo sokuthatha ukuba ngusomabhizinisi njengenye indlela empilweni yakho yobungcweti, awunaso esinye isixazululo ngaphandle kokuthi zibekele imigomo. Noma kunjalo, imigomo elandelwayo kufanele icace bha futhi ngaphezu kwakho konke ichazwe kahle. Yize zivela kubhebhoni elincane ukuze ungathathi isimanga kule ndlela onayo okwamanje. Vele, le migomo akudingeki ibe nolaka olukhulu, kepha kunalokho yanelisa ezinye izinhloso okufanele uhlangabezane nazo ngaphezu kwakho konke okunye.
Hlukanisa izimali
Kuzo zonke izimo, ukubeka wonke amaqanda akho kubhasikidi ofanayo wokutshala imali njengoba besho kuyinqubo yokunganaki ngokuphelele futhi kuwo wonke amaphuzu wokubuka akusebenzi. Akudingeki ukuthi babekele imali oyitshalile ezimakethe ze imali engenayo, kepha unganikela ingxenye yalokhu kumholo ongaguquki noma nakwezinye izinhlobo. Ekupheleni kosuku kumayelana nokwenza ukonga kube nenzuzo ngaphezu kokunye ukucatshangelwa.
Lelisu lizokusiza futhi ukuthi uvikele imali yakho ezikhathini ezinzima kakhulu ezimakethe zezezimali. Ngale ndlela, uzoba nembuyiselo ethe xaxa ezimweni ezingezinhle ukuhlobana nezwe lemali elihlale liyinkimbinkimbi. Ukukwenza ngempumelelo ngeke ube nesinye isixazululo ngaphandle kwe- buyekeza iphothifoliyo yakho yokutshala imali njalo kaningi. Ngezinguquko maqondana nezimpahla zezimali ezinomkhuba ozuzisa kakhulu kunezinye. Uzobona sengathi uyayisebenzisa, uzoba nebhalansi ebanga kakhulu ku-akhawunti yakho yokonga.
Ungapaki imali
Elinye lamaphutha amakhulu abatshalizimali abancane nabaphakathi abawenzayo ukuhlala kwizikweletu ukuze bagweme imiphumela engafuneki ezimakethe zezezimali. Ngale ndlela, isu elihle kakhulu ongalifeza hhayi ukupaka imali yakho. Uma kungenjalo, kunalokho, into ezuzisa kakhulu ezithakazelweni zakho itholakala ekuyitshaleni. Okusho ukuthi, beka sebenza imali yakho ngaphezu kokunye ukucatshangelwa emkhakheni wokutshala imali. Kunoma ikuphi, kufanele ukwenze ngokukhalipha okukhulu futhi ngaphezu kwakho konke ngokutadisha konke ukunyakaza kwezimakethe zezezimali. Uzobona ukuthi ekugcineni uhlala unqoba kanjani ngalolu hlelo oluvame kakhulu kubatshalizimali abanolwazi oluningi kunoma yiluphi uhlobo lwezimakethe zezezimali.
Musa ukuthathwa yimizwa
Ukuzwela kungumeluleki omubi wokwenza noma yiluphi uhlobo lokunyakaza ukwenza imali ngokonga. Akumangalisi ukuthi uma kukhulunywa ngemali, kujwayelekile kakhulu ukuthatheka yilezi zinhlobo zemizwa. Ngeke ube nokhetho ngaphandle kokucabanga ngalezi zikhathi ukuthi kufanele ucabange ukuthi ngeke ukwazi lawula imizwa yakho. Leli elinye lamaphutha amakhulu abatshalizimali abangawenza lapho besebenzisana nomkhakha wemali. Kepha kunoma yikuphi, akufanele uthonywe uhlobo oluthile lwale mizwa yomuntu siqu. Kungakubiza kakhulu ngesinye isikhathi empilweni yakho.
Qasha umeluleki
Uma ungeke ukwazi ukuthuthukisa izimali ngendlela ongathanda ngayo, awunaso esinye isixazululo ngaphandle kokuqasha umeluleki ozokusiza ukuthi ukhulise utshalomali lwakho. Akumangalisi ukuthi lesi sibalo sobungcweti sizokusiza unakekele ukonga kwakho ngokusebenza kahle okukhulu futhi kuzokwenza uhlele okwenzelwe izintshisekelo zakho zobungcweti nezakho. Ngakolunye uhlangothi, ungangabazi ukuthi kungaba ithuluzi elinamandla lokwenza isu lakho lentela. Ngefayela le- ukuphathwa kwayo yonke intela okufanele uyiqede, njengesitatimende semali engenayo, intela engaqondile noma yenkampani ngisho ne-VAT. Esikhathini esiphakathi nesikhathi eside, kuzofanele ukuqasha le nsizakalo yobuchwepheshe ukuvikela izintshisekelo zakho.
Ungabi nethemba
Uma uzokwamukela lobu buchule ngaphambi kokutshalwa kwezimali kwangasese, kuzoba ngcono ukuthi ungazinikeli kulolu hlobo lwemisebenzi. Cabanga ukuthi yonke imigwaqo igcwele amahlahlandlela amaningi, kepha ezimakethe zezimali zihlala zinqotshwa. Ukufika ezingeni lokuthi ungadala inkinga enkulu kusuka kulezi zikhathi uma wamukela lobu buchule ngaphambi kokuphila nomhlaba wemali. Kuhlale kungcono ukubukeka unethemba uma ufuna ukusebenza kwesiteshi ngempumelelo enkulu ukwedlula eminye iminyaka. Ngoba ngakolunye uhlangothi, ngeke ukwazi ukuthwala ukulahleka okukhulu kwemali okuzokwenzeka ngesikhathi esithile empilweni yakho. Ukumomotheka ngesikhathi kungaba nomthelela omuhle kakhulu kusukela kulo mzuzu kuqhubeke.
Musa ukuthenga ongakuqondi
Omunye wemithetho eyisisekelo yokuthi abatshalizimali abasebancane babhalisele kuleyo mikhiqizo oyiqonda kahle. Ngale ndlela, ngaphansi kwezimo ungathengi imikhiqizo yezezimali awuqondi noma okungenani awazi ukuthi usebenza kanjani ezimakethe. Ngakolunye uhlangothi, iseluleko esiwusizo kakhulu sisekelwe eqinisweni lokuthi uma ungacaciswanga ngaso, ungasiqashi nganoma iyiphi indlela. Lesi sinyathelo ngokungangabazeki sizosiza ukuhambisa utshalomali lwakho ngempumelelo nangendlela ephephile. Ngakolunye uhlangothi, akufanele ukhohlwe kusukela manje kuqhubeke ukuthi isitha esikhulu sabatshalizimali ukuqasha okuthile ekugcineni abangakwazi. Imiphumela ingaphikisana ngokusobala uma umele leli su elikhetheke kakhulu nelingajwayelekile.
Beka eceleni izimfashini
Ukuziba imithetho kungakunika injabulo engaphezu kweyodwa kulezi zikhathi. Ukuze uzicacele udinga ukucabanga kabusha ukuthi esinye sezibonelo ezifanele kakhulu zaleli su esivame kakhulu eminyakeni yamuva sihlala esimweni lapho ukuthengiswa kokuncanyelwayo. Ngoba impela, hhayi ngoba kungumkhiqizo omusha kakhulu okumele ngabe ungcono kunayo yonke. Akuyona enenzuzo enkulu. Le mingcele ilawulwa okunye ukucatshangelwa kobuchwepheshe obuthe xaxa futhi okufanele unake kakhulu lapho ufaka ngokusemthethweni lezi zinhlobo zokutshala imali. Kodwa-ke, leli yiphutha elenziwa abanye babatshali zimali abangenalo ulwazi olufana neminyaka eyizinkulungwane.
Yakha isu
Futhi ekugcineni, awukwazi ukushiya eceleni ukubaluleka kokungenisa isu elichazwe kahle kakhulu kusukela ekuqaleni. Izosiza ukufeza izinhloso ngezinga eliphakeme lokusebenza kahle futhi nokunciphisa amaphutha ongawenza kusuka manje kuqhubeke. Akunandaba ukuthi kukhuliswe kusuka ku- imigomo yokuzivikelaUma kungenjalo, ngokuphambene nalokho, kufanele uyiphakamise kusuka endaweni eyakha ngokuphelele ukuvikela izintshisekelo zakho kusukela kumzuzu wokuqala. Kukusiza ukuthi uphishekele izinhloso ezisheshayo kunoma yiluphi uhlobo lwendlela yokutshala imali.
Kusukela kulesi sigaba, kusukela manje kuzoba lula ukuhambisa ibhizinisi lakho ukuze likhule kancane kahle. Lapho ukuntuleka kwempahla kuzoba yinkinga enkulu ezovela, ikakhulukazi phakathi neminyaka yokuqala yempilo yakho entsha yobungcweti. Hhayi ngeze, ngeke ube nokuzikhethela ngaphandle kokuya kuziteshi ezithile zebhizinisi, yize kwezinye izimo ungathembela kosizo oluthile olusemthethweni olusebenzayo ukwenza lo msebenzi obalulekile ukuqala isivumelwano sakho.
Ngaphandle kwezinye izinhlobo zokucatshangelwa kwezobuchwepheshe okuzochazwa kwezinye izindatshana futhi lokho kuzonikeza umbono othe xaxa wezidingo zokuqala noma ukuthuthukisa noma yiluphi uhlobo lwebhizinisi. Kuzoba yindlela engcono kakhulu yokujwayela lo mkhuba ojoyinwe izinkulungwane zeminyaka.