Umshini wekhofi usanda kuphuka, futhi udinga ukuthumela isisebenzi sakho esitolo esiseduze ukuze uthole inqwaba yekhofi elishisayo. Inkinga? Isisebenzi asinakheshi, futhi ikhadi laso lesikweletu likhishwa kakhulu. Yilapho imali encane ingena khona.
Imali encane isiza izinkampani ukuphatha izindleko ezincane ezingadingi ukuthi zingene ezindlekweni zebhizinisi. Ingasindisa ingcindezi enkulu noma isize ukubuyisela abasebenzi lapho besebenzisa izimali zabo egameni lebhizinisi. Ngakho-ke uma usulungele ukumisa isikhwama semali esincane sebhizinisi lakho ukuze ugcine izinto zihamba kahle, yilapho lo mhlahlandlela ungena khona.
Qhubeka ufunde ukuze uthole ukuthi ungayisetha kanjani imali yakho encane ngendlela efanele ngezinyathelo ezinhlanu ezilula.
Okuqukethwe
Iyini imali encane?
Yiziphi izinhlobo zemali encane?
Izinyathelo ezi-5 zokusiza amabhizinisi ukuthi enze imali encane
Amabhizinisi angathuthukisa kanjani ukuphatha kwawo imali encane
Isiphetho sendaba
Iyini imali encane?
Ukheshi omncane imali encane ibhizinisi eliyibekela eceleni izindleko ezingalindelekile, njengokuthatha ikhofi emhlanganweni noma ukumboza isidlo sakusihlwa sesisebenzi esisebenza sekwephuzile. Kufika kahle lapho unikeza inqubo yokubuyisela imali esemthethweni noma ukubhala isheke ngeke kwenzeke noma kuthathe isikhathi esiningi.
Isibonelo sendlela imali encane esebenza ngayo kanye nezinzuzo zayo
Endleleni eya emsebenzini, u-Sarah uthola ucingo oluvela kubasi wakhe emcela ukuthi abambe omaka namanothi anamathelayo esikhathi sokuxoxa ngengqondo ngomzuzu wokugcina. Njengoba enama-US$ 15 kuphela esikhwameni sakhe futhi engenalo ikhadi lesikweletu, uthenga izinto ezidingekayo naphezu kokukhathazeka ngokukhokhela izindleko.
Ngenhlanhla, ihhovisi likaSarah linesikhwama semali encane, futhi umphathi wakhe umbuyisela ngokushesha. Akumele alinde amasonto ukuze athole imali yakhe. Nazi ezinye izinto izinkampani ngokuvamile ezisebenzisa imali encane ukuze:
- Ukudla okulula kwehhovisi
- Ikhofi liyagijima
- Amathiphu abashayeli bokulethwa
Yiziphi izinhlobo zemali encane?
1. Imali encane evamile
Lolu hlobo yimali encane ebekelwe izindleko zansuku zonke ezingalindelekile. Isebenza kahle ukumboza izimpahla zasehhovisi, imali yokuposa, noma imbuyiselo yezisebenzi ezincane.
2. Faka imali encane
Imali encane ye-Imprest yinani elithile lezidingo eziqhubekayo, njengokubuyisela abasebenzi ngezindleko zokuhamba. Amabhizinisi ahlala egcwalisa lezi zimali ukuze agcine ibhalansi efanayo, aqinisekise ukuthi imali ihlale ikhona kulezi zindleko ezithile.
3. Imali encane yesimo esiphuthumayo
Lezi zimali ngokuvamile ziwukufihlwa kwemali encane ebekelwe eceleni lezo zikhathi "zokwenzeka nje", njengalapho iwindi liphuka kungazelelwe noma iphrinta ima kungazelelwe. Ikhona ukukhokhela izindleko eziphuthumayo, ezingalindelekile.
4. Imali encane yokuzikhethela
Lesi sikhwama sinikeza abaphathi ukuguquguquka okwengeziwe kwezezimali. Bangakwazi ukusebenzisa le mali ngokubona kwabo ukuklomelisa isisebenzi esizikhandlayo ngokupha okuncane noma ukucosha okuthile okuncane obekungahlelwanga kusabelomali.
Izinyathelo ezi-5 zokusiza amabhizinisi ukuthi enze imali encane
Awunaso isiqiniseko sokuthi ungaqala kuphi lapho usetha izimali zemali ezincane? Landela lezi zinyathelo ezilula ukuze ube isilungile ngokushesha. Kodwa, okokuqala, amabhizinisi kufanele anqume ukuthi azozigcina kuphi izimali zawo eziphuthumayo, njengebhokisi lokukhiya, idrowa elikhiyiwe, noma i-akhawunti evikelekile.
Isinyathelo 1: Setha imikhawulo ye-akhawunti
Okulandelayo amabhizinisi okufanele ayenze ukubeka inani azoligcina esikhwameni sawo semali encane. Nakuba amahhovisi amaningi eqala ku-$100 kuya ku-$200, izinkampani zingakwazi ukukulungisa ngokusekelwe ezidingweni zazo ezibikezelwe. Ngemva kwalokho, kufanele bacabangele indlela yokugcwalisa i-akhawunti.
Leli phuzu yilokho esikubiza ngokuthi "iphuzu lokubuyisela." Isibonelo, ibhizinisi elinesikhwama semali encane sika-$100 lingakhetha ukusigcwalisa futhi uma sehle ngaphansi kwama-US$ 15. Ngaleso sikhathi, bazorekhoda izindleko bese bebhala isheke ukuze babuyisele isikhwama enanini laso lokuqala.
Isinyathelo sesi-2: Khetha ukuthi ubani ozophatha izimali
Ingabe ibhizinisi linaye umphathi wehhovisi? Uma kunjalo, ngokuvamile bangabantu abangcono kakhulu ukuphatha isikhwama semali encane. Kodwa-ke, abanikazi bamabhizinisi abaneqembu elincane bangazithatha ngokwabo lowo mthwalo wemfanelo.
Noma ngabe yiziphi izinkampani ezicabanga ukuthi ingcono kakhulu, kufanele ziqinisekise ukuthi umuntu oyedwa kuphela ongakwazi ukufinyelela esikhwameni ngesikhathi. Lokhu kusiza ukuvimbela ukuhoxiswa okungabaliwe noma ukweba okungase kube khona. Ngemva kokunquma ukuthi ubani ophethe, amabhizinisi angangeza izimali noma akhiphe isheke ebhokisini lawo lokukhiya imali encane.
Isinyathelo sesi-3: Yenza ilogi
Amabhizinisi awakwazi ukulandelela izindleko zawo zemali encane ngaphandle kwelogi. Ngaso sonke isikhathi uma imali iphuma noma ingena ku-akhawunti, umuntu ophethe kufanele ayiqophe kulogi edaliwe. Yingakho abasebenzi kumele babe nerisidi yanoma iyiphi imali esetshenziswe esikhwameni.
Isibonelo, uma u-Sarah ethenga amakhekhe omhlangano futhi efuna imbuyiselo, kufanele anikeze irisidi. Umuntu ophethe uyobe esesebenzisa irisidi ukuze aqophe izindleko zemali encane ebhukwini elivamile, aqinisekise ukuthi ubhala kahle yonke into. Nasi isibonelo sokuthi ilogi ingabukeka kanjani:
| Usuku | Yekuchumana | Faka imali | Ukuphuma kwemali | Balance |
| 9-2-2024 | Izinsiza zasehhovisi | I-US $ 10 | I-US $ 90.00 | |
Ilogi yemali encane kufanele ilandelele imininingwane ebalulekile elandelayo: idethi yokwenza, incazelo emfushane, ukheshi owengeziwe, inani elichithiwe, kanye nebhalansi esele. Lapho ibhalansi yehlela ezingeni elimisiwe lokugcwalisa, amabhizinisi angabhala isheke ukuze abuyisele isikhwama enanini laso langempela.
Isinyathelo sesi-4: Qopha futhi uhlanganise izindleko zemali encane
Lapho imali encane efihliwe iyancipha, yisikhathi sokubuyekeza futhi wengeze imali eyengeziwe ukuze uyigcwalise futhi. Amabhizinisi angaqala ngokufanisa amarisidi awo nalokho okurekhodwe kulogi yemali encane ukuze aqinisekise ukuthi yonke into iyahlangana. Uma kukhona umehluko phakathi kwezimali ezibonakalayo namarekhodi elogi, abanikazi bamabhizinisi kufanele balandelele noma yikuphi ukungezwani. Uma yonke into isifana, amabhizinisi angarekhoda izindleko encwadini yawo evamile futhi agcwalise izimali.
Isinyathelo sesi-5: Hlola kabusha umkhawulo wemali encane ngezikhathi ezithile
Ingabe ibhizinisi lisebenzisa imali encane ngokushesha? Bese, sekuyisikhathi sokwandisa inani elifakwe ku-akhawunti yemali encane. Kodwa-ke, akufanele bavele banyuse inani ngaphandle kokubuyekeza ukuthi bayisebenziselani.
Isibonelo, uma ibhizinisi livame ukuthenga ikhofi ehhovisi, lingacabangela ukusebenzisa isabelomali esivamile esikhundleni sokucwilisa emalini encane njalo ngesonto. Ngale ndlela, izinkampani zingagcina isikhwama sazo semali encane kwezinye izindleko ezincane, ezingalindelekile.
Amabhizinisi angathuthukisa kanjani ukuphatha kwawo imali encane
Izinqubo ezenziwa ngezandla zivame ukubhekana nezinkinga eziholela ekwakhiweni kwesabelomali okungekuhle kanye namathuba anda okukhwabanisa. Kodwa-ke, isoftware yokuphatha izindleko ingasiza amabhizinisi ukuthi enze lula ukuphatha imali encane. Bangasiza ukwenza le misebenzi ngokuzenzakalelayo, behlise ama-eros nokusetshenziswa kabi ngokuhlanganisa imibhalo, ukusheshisa ukubuyisana, nokwenza lula ukucwaninga kwamabhuku ngezifanekiso ezijwayelekile.
Ingxenye engcono kakhulu? Amabhizinisi angenza ngendlela oyifisayo isofthiwe yezindawo ezahlukene. Ezinye izinsizakalo, njenge-Happay, zinikeza ngisho namakhadi akhokhelwa ngaphambili, avumela ukulandelela ngesikhathi sangempela nokuphathwa kwezimali kusuka kuplathifomu esekelwe efwini. Kuyindlela enhle kakhulu yokuthuthukisa ukusebenza kahle nokulawula izindleko zemali encane.
Isiphetho sendaba
Njengamanje, amabhizinisi amancane kufanele ngabe asenqume ukuthi ayafuna yini ukusungula isikhwama semali encane futhi kufanele abe nombono omuhle wokuthi angayenza kanjani. Kodwa ngaphambi kwalokho, kufanele babe nemihlahlandlela ecacile yokugcina izinto zihamba kahle. Khumbula ukwenza inqubomgomo yemali encane ecacisa lokho abasebenzi abangayisebenzisela imali futhi babeke imikhawulo yokusebenzisa.
Bese, bangakwazi ukukhokhela noma yini engaphezu komkhawulo kusukela ku-akhawunti ehlukile. Ngisho noma ibhizinisi linesisebenzi esisodwa kuphela, isikhwama semali encane singaba usizo lokukhokhela izindleko ezingalindelekile ngendlela efanele.
