Ukunikezela ngamava abathengi angcono ngundoqo kwimpumelelo yalo naliphi na ishishini. Indlela obaphatha ngayo abathengi bakho inempembelelo enkulu kumgangatho wemveliso yakho kunye nokunikezelwa kwenkonzo, izinga lokugcinwa, kunye nembuyekezo kutyalo-mali (ROI).
Ngeli xesha, amava amabi ayabatyhafisa abathengi, ahlala ekhokelela ekunciphiseni ukuthembeka kwabathengi kunye ne-churn ephezulu yabathengi. A ingxelo yamava omthengi yiPWC nge 15,000 abaphenduli bafumanisa ukuba 1 ku 3 abathengi bavumile ukuba baya disengage kunye uphawu abathanda emva amava omnye embi. Ukongeza, i-92% yabathengi baya kuyishiya ngokupheleleyo inkampani emva kwamava amabini ukuya kwamathathu angalunganga.
Ke ngoko, ukufumana uhambo lwamava omthengi wakho ngokufanelekileyo kubalulekile. Ukumisela ukuba yintoni amava omthengi olungileyo abandakanya, eli nqaku liza kutyhila amanqanaba ohambo lwabathengi kwaye likuncede uqonde ukubaluleka kwabo kumgca ophantsi wakho.
Isiqulatho
Yintoni uhambo lomthengi?
5 izigaba zohambo lwabathengi
isiphelo
Yintoni uhambo lomthengi?
Uhambo lomthengi lubhekisa kumanyathelo abathengi abawathathayo phambi kokuthenga okanye ukubhalisa kwimveliso okanye inkonzo yakho. Ngaphezulu kokuba ngumthengi okanye umrhumi, uhambo lubandakanya umthengi ukwaneliseka koko ukubonelelayo, ukufumana amava amnandi. uxhaso lwabathengi, nokunyaniseka. Ukuba iimveliso kunye neenkonzo zakho azizalisekisi iimfuno zabo, baya kuhla kwindlela osebenze nzima ukuyimisela, njengoko banokuziva bekhohlisiwe okanye ubuncinane benganelisekanga.
Ngoko ke, ukunika isicombululo kwingxaki yabo kuya kugqiba enoba kuyazanelisa usukelo lwabo kusini na. Ukongeza, kufuneka kube yinto eyinyani kwaye ingabaxiweyo ukuhlangabezana neemfuno zabathengi kuyo yonke indawo yokuchukumisa ishishini lakho.
Nje ukuba ulungelelanise ezi zinto, kwandisa amathuba okutyala imali kwiimveliso kunye neenkonzo zakho kwaye ube ngabathengi abaphindayo. Okulandelayo lujongo oluneenkcukacha lwamanqanaba ohambo lwabathengi olunika ithuba lokubonelela ngamava amnandi kubathengi bakho.
5 izigaba zohambo lwabathengi
1. Inqanaba lokwazisa
Inyathelo lokuqala lixesha lokwazisa, apho umthengi engazi ngobukho benkampani yakho okanye iimveliso. Okwangoku, indlela obonisa ngayo iimveliso kunye neenkonzo zakho kubathengi abanokubakho iya kugqiba ukuba ingaba nefuthe elihle nelihlala lihleli kubo. Ke ngoko, iinzame zakho zokuthengisa kufuneka zigxile ekwenzeni umbono olungileyo wokuqala kwabo baza kuba ngabathengi.
Imibuzo efana nokuba yintoni na imveliso yakho, yintoni eyenzayo, yintoni enye ivenkile yakho yokuthengisa okanye inkampani ebonelela ngayo, kwaye nokuba inkampani yakho inokuthenjwa na kufuneka ichazwe ngokucacileyo. Ngelixa le yimibuzo ekunokwenzeka ukuba ibuzwe ngabaphulaphuli ojolise kubo, badlala indima enkulu ekuphuhliseni ulwazi lophawu. Yiyo loo nto kufuneka yenza umthengi persona ke intengiso yakho yeshishini inokunxibelelana nabathengi abafanelekileyo.
2. Inqanaba lokuqwalasela
Inqanaba lokuqwalaselwa lilandela xa umthengi esazi malunga nenkampani yakho kunye neemveliso ozinikezelayo. Apha, umntu oza kuba ngumthengi ubonisa umdla, ngoko ke imfuneko yokubonisa ixabiso lemveliso yakho kwaye kutheni ingcono kuneyomntu okhuphisana naye.
Kufuneka uzibuze imibuzo elula efana nale:
- Ingaba imveliso yakho ingalongeza ixabiso kumthengi?
- Zinjani iimpawu zemveliso yakho kunye namaxabiso xa kuthelekiswa nabantu okhuphisana nabo?
- Yeyiphi indawo yokuthengisa ekhethekileyo eqinisekisa abathengi ukuba balawule umntu okhuphisana nabo kwaye bakhethe wena?
Ngoko ke, kufuneka unikeze ezininzi Umxholo wemfundo kubathengi ukubacenga ukuba bazibophelele kwishishini lakho. Umxholo wezemfundo onokuthi ubanike wona uquka amaphepha okuthelekisa, amaphepha exabiso, izifundo zeemeko, ubungqina, iividiyo zedemo, iintetho zokuthengisa, kunye nokunye.
3. Inqanaba lokuthenga
Nje ukuba umthengi ayenze ngezigaba zokwazisa kunye nokuqwalaselwa, balungele ukuthenga. Kweli nqanaba, sele becuthe ezinye iinketho, kubandakanya nezinye iibrendi, kwaye bafuna ukukhetha imveliso yabo efanelekileyo okanye inkonzo. Yonke imizamo yakho yokuthengisa iya kugqiba ukuba ngaba baya kuyigqiba intengiselwano.
Apha, umthengi unokubuza imibuzo efana nale:
- Ngaba le yimveliso eyiyo?
- Kutheni wena hayi abanye?
- Ngaba kufuneka ndijonge ukuba abo bakhuphisana nabo banesivumelwano esingcono?
- Ixabiso liphezulu kakhulu kunokuba bendilindele. Ngaba kufuneka ndilinde isaphulelo?
Kweli nqanaba lohambo, imiba yokuthembana iyaphuhla, inika ithuba lokunceda umthengi onokuthi enze isigqibo. Unokubabonelela ngobungqina bezentlalo ngokuphononongwa kwabathengi, ukukala kwemveliso, okanye iingcebiso zokucima amathandabuzo malunga neemveliso okanye iinkonzo zakho. Impendulo ethi "Kutheni ungaphezu kwabanye" kufuneka iphume ngokucacileyo ngaphambi kokuba uthathe isigqibo sokuthenga kuwe okanye ukuthabatha ishishini labo kwenye indawo.
4. Inqanaba lokugcinwa
Ukuba umthengi wenze oku kude, kubonisa ukuba wenza izinto ngokuchanekileyo. Kuba unomthengi, lixesha elifanelekileyo lokucwangcisa indlela yokugcina umthengi.
Ngelixa abaninzi abathengisi bakholelwa ukuba umsebenzi wabo wenziwa emva kokuba umthengi ethengile, kubalulekile ngokulinganayo ukubeka phambili ukugcinwa kwabathengi kwixesha elide lokufumana umvuzo. Enyanisweni, ukugcina umthengi kahlanu ukuya kalishumi ngexabiso eliphantsi kunokuba ufumane entsha.
Ukuqinisekisa isiseko somthengi othembekileyo, kufuneka unikezele ngenkxaso yokuthenga emva kokuthenga kwaye udibanise nabo ngokuqhubekayo. Abathengi baneliseka ngokuthi a inkxaso enkulu kunye nenkqubo yothethathethwano kuzo zonke iindawo zokucofa ezingundoqo. Okwangoku, unokulandelela kunye nokulinganisa ukwaneliseka kwabathengi ngokuqhuba uphando kunye nodliwano-ndlebe.
5. Inqanaba lothethelelo
Inqanaba lokugqibela lohambo lwabathengi kukubhengezwa kwabathengi. Kweli nqanaba, abathengi baba ngoonozakuzaku bophawu lwakho kwaye bathethe izinto ezintle malunga neemveliso kunye neenkonzo zakho emsebenzini okanye nosapho kunye nabahlobo.
Oku kubangela ukuthengiswa kwegama-ngomlomo, okanye Imidiya yokuncokola ukwabelana, okuyintengiso yasimahla kubasebenzisi bemveliso yakho. Ukuvakalisa ukwaneliseka kwabo kubonisa ukuba abathengi banelisekile ngeemveliso zakho.
Enye indlela abantu ababa ngabaxhasi beshishini lakho kungeenkqubo ezihambelanayo. Ibandakanya ukuhlawula abantu ukuba bathumele abanye kwinkampani okanye iimveliso zakho. Nangona kunjalo, ukuthunyelwa kwabathengi yeyona ndlela ilungileyo yokuqhuba ubhengezo ngokwasemzimbeni kuba abathengi bakho banamagama okwenyani malunga neemveliso kunye neenkonzo zakho.
isiphelo
Apho unayo-isikhokelo esikhawulezayo sixoxa ngezigaba ezahlukeneyo zohambo lwabathengi. Ukuqonda izigaba zohambo lwabathengi kubalulekile ekuphuculeni amava omthengi, ukwandisa ukunyaniseka, kunye nokufumana inzuzo yokhuphiswano. Khumbula, uhambo lomthengi ngumjikelo, hayi indlela emgceni; ke, ukuyiphucula kunye nokuphucula kuya kugcina abathengi bakho bonwabile kwaye babuye kwakhona.
