Isikhokelo sakho kwiPetty Cash kunye nendlela yokuyilawula ngokunenzuzo kwiShishini lakho

Umatshini wekofu usandophuka, kwaye kufuneka uthumele umsebenzi wakho kwivenkile ekufutshane ukuze ufumane ibhetshi yekofu eshushu. Ingxaki? Umqeshwa akanamali, kwaye ikhadi labo letyala ligqithisiwe. Kulapho imali encinci isiza khona.

Imali encinci inceda iinkampani ukuba zijongane neendleko ezincinci ezingadingi kungena kwiimali zoshishino. Inokonga uxinzelelo oluninzi okanye incede ukubuyisela abasebenzi xa bechitha imali yabo egameni leshishini. Ke ukuba ukulungele ukuseta ingxowa mali encinci yeshishini lakho ukugcina izinto zihamba kakuhle, kulapho esi sikhokelo singena khona.

Funda ukufumanisa indlela yokuseta imali yakho encinci ngokufanelekileyo ngamanyathelo amahlanu alula.

Isiqulatho
Yintoni imali encinci?
Zeziphi iintlobo zemali encinci?
Amanyathelo ama-5 okunceda amashishini aseke imali encinci
Amashishini anokuphucula njani ulawulo lwawo lwemali encinci
Okukwintsusa

Yintoni imali encinci?

Imali encinci yimali encinci ishishini eliyigcinayo ngeendleko ezingalindelekanga, ezinjengokuhlutha ikofu kwintlanganiso okanye ukuvala isidlo sangokuhlwa somqeshwa osebenza emva kwexesha. Kuza kube luncedo xa unikezela ngenkqubo yokubuyisela ngokusesikweni okanye ukubhala itshekhi kuya kuba yinto engenakwenzeka okanye kuthathe ixesha elininzi.

Umzekelo wendlela imali encinci esebenza ngayo kunye neenzuzo zayo

Endleleni eya emsebenzini, uSarah ufumana umnxeba ovela kumphathi wakhe emcela ukuba abambe izinto ezimakishayo kunye namanqaku ancangathi eseshoni yokucinga ngomzuzu wokugqibela. Nge-15 yeedola zaseMelika kuphela kwisipaji sakhe kwaye engenakhadi letyala, uthenga izinto eziyimfuneko nangona unexhala lokuhlawula iindleko.

Ngethamsanqa, i-ofisi kaSarah inengxowa-mali yemali encinci, kwaye umphathi wakhe uyambuyisela ngokukhawuleza. Akunyanzelekanga ukuba alinde iiveki ukuze afumane imali yakhe. Nazi ezinye izinto iinkampani zihlala zisebenzisa imali encinci:

• I-snacks yeofisi

• Ikofu iyabaleka

• Iingcebiso kubaqhubi bokuhanjiswa

Zeziphi iintlobo zemali encinci?

1. Imali encinane eqhelekileyo

Olu hlobo yimali encinci yemali ebekwe bucala kwiindleko ezingalindelekanga zemihla ngemihla. Iyakwazi ukugubungela iimpahla zeofisi, iposi, okanye imbuyekezo encinci yabasebenzi.

2. Yenza imali encinci

Imbuyekezo yepetty cash sisixa esithile kwiimfuno eziqhubekayo, njengokubuyisela abasebenzi ngeendleko zokuhamba. Amashishini ahlala eyongeza le mali ukugcina ibhalansi efanayo, eqinisekisa ukuba imali ihlala ikhona kwezi ndleko zithile.

3. Imali encinci yexesha likaxakeka

Ezi ngxowa-mali zikholisa ukufihla imali encinci ebekelwe bucala loo mizuzu "nje-in-case", njengaxa ifestile yophuka ngokungalindelekanga okanye umshicileli uyeke ukusebenza ngesiquphe. Ikho ukuhlawulela iindleko ezingxamisekileyo, ezingalindelekanga.

4. Imali encinci ye-Discretionary

Le ngxowa-mali inika abaphathi ukuguquguquka ngakumbi kwezemali. Bangasebenzisa le mali ngokubona kwabo ukuvuza umqeshwa osebenza nzima ngokuphatha kancinci okanye bathathe into encinci ebingacwangciswanga kuhlahlo lwabiwo-mali.

Amanyathelo ama-5 okunceda amashishini aseke imali encinci

Awuqinisekanga ukuba ungaqala ngaphi xa useta iimali ezincinci? Landela la manyathelo alula ukuze ube sele elungile kungekudala. Kodwa, okokuqala, amashishini kufuneka athathe isigqibo sokuba aza kuyigcina phi imali kaxakeka, njengebhokisi etshixwayo, idrowa etshixwayo, okanye iakhawunti ekhuselekileyo.

Inyathelo 1: Misela imida yeakhawunti

Into elandelayo ekufuneka yenziwe ngamashishini kukuseta isixa abaza kusigcina kwingxowa-mali yabo yepetty cash. Ngelixa uninzi lweeofisi ziqala kwi-US$ 100 ukuya kwi-US $ 200, iinkampani zinokuyihlengahlengisa ngokusekwe kwiimfuno zabo eziqikelelweyo. Emva koko, kufuneka baqwalasele indlela yokugcwalisa iakhawunti.

Le ngongoma yile nto siyibiza ngokuba "yindawo yokuzalisa." Umzekelo, ishishini eline-US$ 100 petty cash fund linokukhetha ukuyizalisa kwakhona xa lingaphantsi kwe-US$ 15. Ngelo xesha, baya kubhala iindleko kwaye babhale itshekhi ukubuyisela ingxowa-mali kwisixa sayo sokuqala.

Inyathelo lesi-2: Khetha ukuba ngubani oza kulawula imali

Ngaba ishishini linaye umphathi weofisi? Ukuba ewe, badla ngokuba ngoyena mntu ulungileyo ukuphatha ingxowa-mali yemali encinci. Nangona kunjalo, abanini bamashishini abaneqela elincinci banokuluthatha ngokwabo olo xanduva.

Nokuba iinkampani zicinga ukuba lolona khetho lufanelekileyo, kufuneka ziqinisekise ukuba ngumntu omnye kuphela onokufikelela kwingxowa-mali ngexesha. Oku kunceda ukuthintela ukurhoxiswa okungachazwanga okanye ubusela obunokwenzeka. Emva kokuthatha isigqibo sokuba ngubani ophetheyo, amashishini anokongeza iimali okanye akhuphe itshekhi kwibhokisi yawo yemali encinci yokutshixa.

Inyathelo lesi-3: Yenza ilog

Amashishini akakwazi ukugcina umkhondo weendleko zabo zemali encinci ngaphandle kwelog. Ngalo lonke ixesha imali iphuma okanye ingena kwiakhawunti, umntu ophetheyo kufuneka ayibhale kwilogi eyenziweyo. Yiyo loo nto abasebenzi kufuneka babe nerisithi yayo nayiphi na imali echithwe kwingxowa-mali.

Umzekelo, ukuba uSarah uthenga iikeyiki zentlanganiso kwaye ufuna imbuyekezo, kufuneka anike irisithi. Umntu ophetheyo uya kuthi ke asebenzise irisithi ukurekhoda inkcitho yemali encinci kwileja jikelele, eqinisekisa ukuba unika ingxelo ngokufanelekileyo ngayo yonke into. Nanku umzekelo wendlela ilog enokubonakala ngayo:

Uluhlu lwemali encinci lufanele lulandele ezi nkcukacha zingundoqo zilandelayo: umhla wentengiselwano, inkcazelo emfutshane, imali eyongeziweyo, imali echithiweyo, kunye nentsalela eseleyo. Xa ibhalansi ihla kwinqanaba lokuzaliswa ngokutsha, amashishini angabhala isheke ukubuyisela isikhwama kwisixa sayo sokuqala.

Inyathelo lesi-4: Rekhoda kwaye ulungelelanise inkcitho yemali encinci

Xa i-petty cash stash isihla, lixesha lokuphonononga kwaye wongeze imali eninzi ukuyigcwalisa kwakhona. Amashishini angaqala ngokuthelekisa iirisithi zawo noko kurekhodiweyo kwipetty log log ukuqinisekisa ukuba yonke into iyadibanisa. Ukuba kukho nawuphi na umahluko phakathi kwemali ebonakalayo kunye neerekhodi zelogi, abanini bamashishini kufuneka balandelele phantsi nakuphi na ukungangqinelani. Nje ukuba yonke into ihambelane, amashishini anokurekhoda iindleko kwileja yawo jikelele kwaye azalise imali.

Inyathelo lesi-5: Phinda uvavanye umlinganiselo wemali encinci yemali ngamaxesha athile

Ngaba ishishini lisebenzisa imali encinci ngokukhawuleza? Emva koko, lixesha lokunyusa imali efakwe kwi-akhawunti yemali encinci. Nangona kunjalo, akufuneki banyuse imali ngaphandle kokuphonononga ukuba bayisebenzisela ntoni na.

Umzekelo, ukuba ishishini lihlala lithenga ikofu kwiofisi, linokuqwalasela ukusebenzisa uhlahlo lwabiwo-mali oluqhelekileyo endaweni yokuntywila kwimali encinci ngeveki. Ngale ndlela, iinkampani zinokugcina ingxowa-mali yazo encinci yezinye iindleko ezincinci, ezingalindelekanga.

Amashishini anokuphucula njani ulawulo lwawo lwemali encinci

Iinkqubo ezenziwa ngezandla zihlala zijongene nemiba ekhokelela kuhlahlo lwabiwo-mali olulambathayo kunye nokwanda kwamathuba obuqhophololo. Nangona kunjalo, isoftware yolawulo lweendleko inokunceda amashishini alungelelanise ukuphatha imali encinci. Banokunceda ukwenza le misebenzi ngokuzenzekelayo, ukunciphisa i-eros kunye nokusetyenziswa kakubi ngokubeka embindini amaxwebhu, ukukhawulezisa ulungelelwaniso, kunye nokwenza lula uphicotho ngeetemplates ezisemgangathweni.

Inxalenye engcono? Amashishini anokwenza isoftware ilungele iindawo ezahlukeneyo. Ezinye iinkonzo, ezifana ne-Happay, zide zibonelele ngamakhadi ahlawulelwayo, avumela ukulandelwa kwexesha langempela kunye nokulawulwa kweemali ezivela kwiqonga elisekelwe kwifu. Yeyona ndlela igqwesileyo yokuphucula ukusebenza kakuhle kunye nolawulo kwiindleko zemali encinci.

Okukwintsusa

Ukuza kuthi ga ngoku, amashishini amancinci abe sele egqibile ukuba ayafuna na ukuseka ingxowa-mali yemali encinci kwaye kufuneka abe nombono olungileyo wokuba angayenza njani na loo nto. Kodwa ngaphambi koko, kufuneka babe nezikhokelo ezicacileyo zokugcina izinto zihamba kakuhle. Khumbula ukwenza umgaqo-nkqubo wemali yemali encinci ochaza ukuba abasebenzi banokusebenzisela ntoni imali kwaye ubeke imida yenkcitho.

Emva koko, banokuhlawula nantoni na engaphezulu komda ukusuka kwiakhawunti eyahlukileyo. Nokuba ishishini belinomsebenzi omnye kuphela, ingxowa-mali yemali encinci inokuba luncedo ekuhlawuleni iindleko ezingalindelekanga ngokufanelekileyo.