Vele, uma ungumtshali-zimali omncane naphakathi, uzokwazi ukuthi ukwanda kwemali kuyinqubo okuyiyo kuxhunyaniswe kakhulu nezimakethe zokulingana. Ukufika ezingeni lokuthi ungathola ngisho imali ngale misebenzi ekhetheke kakhulu. Kuyiqiniso ukuthi ukwenyuka kwemali akudingeki kuthinte izinkampani ezibhalwe ezimakethe zezimali. Vele akunjalo, kepha yilokho esizobhekana nakho kusuka manje ukuze wazi ukuthi yini okufanele uyenze isikhathi ngasinye lapho kwenzeka le micimbi yebhizinisi.
Ukukhuphuka kwemali enkulu kungumsebenzi wezezimali ohlose ukukhulisa izinsiza zenkampani ukuze ikwazi ukuxhasa izimali ezintsha. Lokho, okusho ukuthi, inhloso yayo yangempela qoqa izinsiza ukubhekana nezidingo zakho zezomnotho, Noma ezimakethe zezimali kungaba nokuhumusha okuphindwe kabili okuyisihluthulelo sokunquma ukuthi kuyazuzisa yini noma cha kuzintshisekelo zakho njengomtshalizimali okudayisa. Ngoba empeleni, ezimweni eziningi kunzima kakhulu ukwazi ukuthi kungani inkampani efakwe kuhlu ithuthukisa ukunyakaza kwalezi zici.
Okokuqala, kungaba ngezidingo zokutshala imali kuphela futhi lapho kungaba umsebenzi onenzuzo enkulu nalapho ungathola khona inzuzo enkulu yemali. Ngakolunye uhlangothi, kungahle kube yindawo yokwenza ukwanda kwemali ngezidingo zemali. Lokho wukuthi, akukho okunye ongakwenza ngaphandle kokuya kulo msebenzi wokubala imali ukuze uthole izisetshenziswa zemali ngenxa ye- isimo sebhizinisi esibi senkampani. Futhi yingakho bemukelwa kabi kakhulu izimakethe zezezimali. Nentela yokuthengisa ekuthengeni.
Ukwanda kwemali: kungani?
Lokhu kuhamba kwenhlangano kwethulwa kwisidingo sokuphendula senkampani uqobo. Udinga ukunweba phesheya, finyelela eminye imigqa yebhizinisi noma ngoba ufuna ezinye izimali zemali ukuze uziphilise. Njengoba ukwazi ukubona, kunezizathu eziningi zokuzifeza futhi zonke zinemvelo ehlukile. Ngalokhu bangahluka ukutolika ngabasebenzeli bezezimali Yebo, kufanele ubhekane nokuthi yini inhloso yokubenza, ikakhulukazi ezimakethe zezezimali. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusuka endaweni yokubuka eyisisekelo.
Kunoma ikuphi, ukwanda kwemali akuyona nje ukunyakaza ku izimakethe zamasheyaIdlula lezi eziguqukayo. Ngoba akufani lapho inkampani enempilo yenza ukwenyuka kwemali njengalapho kuyindlela yokugcina izinkampani ezinayo esimweni esingesihle sezezimali nesokubalwa kwezimali. Hhayi ize, futhi njengoba wazi kahle ukuthi zamukelwa ngamazinga ahlukene omdlandla ngabatshalizimali abancane nabaphakathi. Nakhu ukukhushulwa kwemali kungenza ube nenzuzo futhi esikhundleni salokho omunye hhayi. Lapho empeleni ziyizinkampani ezifanayo ezifanayo.
Iyini imiphumela?
Ngazo zonke izindlela, kuzobaluleka ukwazi ngokuningiliziwe ukuthi yini okutholakele kwalokhu okwenziwe njengokukhuphuka kwemali. Ngoba izokunikeza umbono ongajwayelekile lapho ukunyakaza kwakho kufanele kuye kusuka kulezi zikhathi eziqondile. Hhayi ize, sikhuluma ngokunyuka kwemali kusukela ekubukeni kwemali hhayi kusuka kokunye okucacile noma kobuchwepheshe okuhloselwe ukuthi yini ukuhlaziywa kwenkampani. Yebo, ngaphambi kokunyakaza kwalezi zici akunakho nokuncane ukungabaza ukuthi inkampani ethintekile izokwazi ukwandisa inhlokodolobha ngaphansi kwamasu amaningana ahluke ngokuphelele nokuthi sizochaza ngezansi.
Okokuqala futhi ngasikhathi sinye okuvame kakhulu kunakho konke ukuthi ukhipha amasheya amasha. Yize kunesici esiphindwe kabili futhi lokho kungukuthi kungabhekiswa kubaninimasheya abasha noma abakhona. Lokhu kusho ukuthi kufanele ufunde imibandela yokwenyuka kwemali ngokuningiliziwe ukuze ungaweli kunoma yiliphi iphutha elikhulu ongalikhokha kakhulu kusukela manje kuqhubeke.
Olunye lwezinhlelo ezisetshenziswa izinkampani ukwenza ukwanda kwemali ngu ukwandisa inani lamasheya akhona. Kuyisu lebhizinisi abaphendukela kulo kaninginingi ngoba kuyindlela yokwakha inani enkampanini noma ebhizinisini.
Ingxenye yesithathu yenzeka ngokukhokhiswa Inzuzo engasabalalwanga yenkampani. Kusho ukuthini ngempela lokhu? Yebo, into elula njengokuthi abaninimasheya ngeke kudingeke banikele ngemali futhi ngale ndlela bazothola amasheya akhishiwe. Lokho, mahhala ngokuphelele futhi kuze kube seqophelweni lokuba kube ngumsebenzi onenzuzo kakhulu emisebenzini eminingi esebenza ngaphansi kwalezi zici ezikhethekile. Hhayi ngeze, ngeke kudingeke ubhekane nanoma yikuphi ukukhishwa kwezezimali futhi uzokwazi ukwandisa ubukhona bakho kubaninimasheya benkampani ethintekayo kulokhu kukhuphuka kwemali.
Iyini imali yesabelo?
Esinye sezici ezifanele kakhulu yilokho okuphathelene ne-premium yokukhishwa futhi okubaluleke kakhulu ukuqonda kahle ukuthi ukwanda kwemali kuyini. Ngalo mqondo, ngeke ube nokhetho ngaphandle kokwazi ukuthi i-premium ekhishwayo yiyona ukukhokhisa okungaphezulu ukukhokha ngesabelo maqondana nenani laso eliphansi noma lethiyori. Ngakho-ke ungena ngaleli su lebhizinisi ngokusebenzisa ezinye izenzo ezintsha. Noma mhlawumbe ungaqinisa izikhundla zakho ngamanye amasheya enziwe ngemuva kokuqala kokukhuphuka kwemali.
Ngokuvamile, le nhlangano yenziwa ngokwaziwa njengamalungelo okubhalisa. Kepha ziyini ngempela? Hhayi lutho olungaphansi futhi akukho okungaphezu kwensimbi yezezimali onayo faka noma uqinise izikhundla zakho enkampanini, ngokuvamile efakwe ohlwini njengoba wazi kahle. Akumangalisi ukuthi ilungelo lokubhalisile yilokho okukuvumela ukuthi ubhalise amasheya amasha ngesikhathi esiqondile sokwenza ukwanda kwemali okukhulunywa ngayo.
Ngakwesokudla kokubhaliselwe
Yebo, lesi sibalo yilokho okukuvumela ukuthi uthathe izikhundla ezintsha enkampanini. Noma-ke, uma kunjalo, uma ufisa ukungayi ekwenyukelweni kwemali, kunjalo-ke ngeke uphoqeleke nganoma yisiphi isikhathi. Uma kungenjalo, kunalokho, ungakwazi thengisa amalungelo akho ngentengo yemakethe futhi ngale ndlela uzokwazi futhi ukukhiqiza inzuzo yezomnotho, yize kunqunyelwe kakhulu futhi kunoma yikuphi ngaphandle kokujoyina inkampani ngezenzo ezintsha. Kungokungabaza okuhlasela izinkampani ezincane neziphakathi nendawo lapho ukwenyuka kwemali kwenziwa ngokusemthethweni. Lapho bengazi ukuthi benzeni ngamalungelo abo futhi kufanele baphendukele emabhange abo ukuze benze isinqumo maqondana nalokhu.
Ngakolunye uhlangothi, esinye sezici okufanele uzihlole ngaphakathi kwale nhlangano ebalulekile yezinkampani yilokho okuphathelene nomphumela wokuxubeka kwayo. Lokho wukuthi, ukwehla kwentengo okutholwe amasheya enkampani asuselwe ekunyuseni kwemali enkulu. Ngoba ekuqaleni ungangabazi ukuthi amasheya atholakale ekukhuleni kwemali enkulu alahlekelwa yinani lawo. Ngale kwalokho isikhathi esimaphakathi neside Zingabuyekezwa futhi mhlawumbe ngendlela egculisayo kakhulu ngezintshisekelo zakho. Ikakhulukazi uma kukhulunywa ngamalungelo okuthiwa abathandayo okubhaliselwe. Okuthakazelisa nakakhulu ukubhalisela ukukhuphuka kwemali.
Amakilasi okwenyuka kwemali
Ekugcineni, sekuyisikhathi sokwazi izinhlobo zokwanda kwemali okungenziwa. Futhi kuningi njengoba uzobona ngezansi ngoba akuyona into ehambelana ngokuphelele.
- Ngendima: kulapho intengo yokukhishwa kwamasheya amasha ihlangana nenani elilinganiselwe. Kulokhu, ngeke kube khona okunye ongakwenza ngaphandle kokuthenga amasheya amasha futhi lelo ipasipoti ukufinyelela kule ngxenye yenqubo.
- Nomzala: umehluko wabo useqinisweni lokuthi inani lokukhishwa liphakeme kunentengo engabizi. Futhi lokho kunqunywa yilokho okubizwa nge-premium ekhishwa.
- Kukhishwe: ilingana nenani lokuzisholo, kepha inkampani isebenzisa ingxenye yemithombo yayo ebenza njengongqimba Uma kungukukhuphuka kwemali ekhokhelwa ngokuphelele, kuzokhokhwa abaninimasheya abasha kuphela. Ngenkathi kwenzeka okuphambene nalokho, uma kungukukhuphuka kwemali ekhokhelwe kancane, umnikelo wokukhishwa kwesabelo uzodingeka.
Kunoma ikuphi, ngeke sibe khona esinye isixazululo ngaphandle kokuhlaziya ukukhushulwa kwemali ngayinye ukukhombisa ukuthi lo msebenzi unenzuzo noma cha. Ngeke kube ukuhlaziywa okulula ngoba kuzodinga ulwazi lwe-accounting ukucacisa ukuthi yini ongayizuza ngalo mcimbi webhizinisi. Uzodinga ngisho nokwelulekwa nguchwepheshe osebhange lakho ukukunikeza imihlahlandlela yokwenza ngokunyuka kwemali.