Ngaba uyazi ukuba idatha yakho yezemali ithi ntoni?
Yingakho ukugcina ibhalansi echanekileyo, yokuhlaziywa kubalulekile. Xa usebenza kwishishini, kufuneka wazi ukuba yimali ekhoyo, yintoni ehlawulwayo kunye nexabiso langoku yonke into oyisebenzisayo kwimisebenzi yemihla ngemihla.
Amaphepha e-Balance achazwa
Isalathisi inikezela ngokubaluleka kwezinto zezoshishino kunye namatyala akho. I-asethi yinto yonke ishishini lakho OWNS. Amatyala yinto yonke ishishini lakho. Okushiywe yiyo "xabiso lencwadi" yenkampani yakho, eyaziwa njengelilingana lemali kuxhomekeke ekubeni ngaba usebenza njengomnini wedwa okanye njengenhlangano kunye nabanini-zimpahla.
Ukuqonda iAfa
Xa ulungiselela iphepha lokulinganisela, i-asethi kufuneka ihlulwe kwiindidi ezahlukeneyo. Imali eyenziwe ngokuthengisa (i-akhawunti efunyenweyo) iyahluke kwixabiso le-inventory, kwaye ukwahlula iindidi ze-asethi kukunika ingcamango ecacileyo malunga nokuba ufuna imali engakanani. Emva kwakho konke, i-$ 2 yezigidi kwizinto zokurhweba zinokuba yimpahla, kodwa awukwazi ukuyisebenzisa ukuhlawula iindleko zenyanga zesevisi.
Iimpahla eziTywala
Olu hlobo luquka imali kunye nemali efana nemali kwiibhanki zebhanki , izatifikethi zediphozithi, iibhondi kunye neminye imithombo enokuthi iguqulelwe ngokukhawuleza ngaphandle kwemali. Iimali ezifunyenweyo, uluhlu lwazo nayiphi na intlawulo okanye ukuthengisa okulindele ukulungiswa, nazo ziqwalaselwa njengempahla yexabiso.
Ukuba unalo utyalo-mali olufutshane olunokuthengiswa ukuba luyimfuneko, ibhalansi yakho kufuneka ibonise loo nto.
Iimpahla zangoku
Iimpahla zangoku zizinto eziza kuguqulwa zibe yimali okanye zisetyenziswe kwiinyanga ezilishumi elinesibini ezizayo. Iingxelo ezifunyenweyo yinto ekhoyo kakhulu ekhoyo yangoku. Eminye imizekelo ibandakanya utyalo-mali olufutshane, i-inventory kunye neendleko zokuhlawulwa
Izinto ezimile
Iimpahla ezibhekwa njenge " asethiweyo " ziquka umhlaba kunye nezakhiwo ezithatha ibhizinisi lakho kunye nezixhobo, uomatshini kunye nezithuthi ozenzayo rhoqo. Ngokomzekelo, ukuba uqhuba ivenkile yokutya enika neenkonzo zokuhambisa, ii-ovens zakho, amafriji, amafriji kunye neemoto zokuhambisa zonke zibalwa njengezinto ezizinzileyo.
Ezinye izinto
Eli qela lisetyenziselwa ukugcina umkhondo wezinto ezingezo-mali ezilindeleke ukuba zingaguquki zibe yimali kwiinyanga ezilishumi elinesibini ezizayo. Umzekelo oqhelekileyo unokuba yi-deposit ekhutshwe kwiofisi yakho ukuba umninimzi uya kubamba ixesha lokuqeshisa.
Ukugqiba i-asethi yakho yexabiso, yongeza i-liquide yakho, yangoku, i-asethi kunye neyezinye iimpahla kunye. Yixabiso elipheleleyo leyonke ifomu yengeniso yekheshi kwishishini lakho.
Ukuqonda amatyala
Kanye njengamashishini, amashishini anomthwalo ongaphezu kweyodwa.
Ezi zikwahlukana ngokwahlukileyo kwi-bhanti yakho ukuze ubone oko kufuneka uhlangabezane nalo ngoku kwaye ziziphi iindleko eziza kuza kwixesha elizayo.
Amatyala angoku
Naliphi na into omele uyihlawule kwiinyanga ezilishumi elinesibini ibhekwa njengemfanelo ekhoyo. Ingabandakanya i-akhawunti ehlawulwayo, eyimali ebalaseleyo kulabo abanikezela ngempahla kunye neenkonzo kwiinkampani zenu, kunye nemvuzo ezuzwe ngabasebenzi abangakhange bahlawulwe. Iindleko zenyanga zingaphinde zibe phantsi kweli candelo.
Ixesha elide
Ukuba unayo iindleko okanye iintlawulo ezihamba ngaphaya komnyaka okhoyo, ezi zidweliswe njengeemfanelo zangexesha elide. Ibhalansi yemali ngumzekelo oqhelekileyo wexanduva elide elide. Iintlawulo eziqhubekayo okanye ukuhanjiswa kwanyanga zonke kungaba nexesha elide ukuba ulindele ukuba baqhubeke kwiinyanga ezili-12.
Ubaluleka bokuvumelanisa
Ewe, ukuba ukwazi ukuba ziphi na iimpahla kunye namatyala akho shishini lakho lijongene nalo, kufuneka ulungelelanise ibhanki yakho kunye neengxelo zekhadi zekhredithi rhoqo. Ukucinga nje ukuba zonke iintengiso oye wabhala phantsi kwaye abo baye bahamba ngokufanayo bangakufumana ingxaki xa kufika ixesha lokuhlawula iindleko okanye ukufakela irhafu.
Iingxelo zeBhanki
Ukuvumelanisa izitatimende zakho zebhanki kubalulekile ekuqinisekiseni ukhuseleko lwemali yakho yezoshishino. Xa uhamba ngesitatimende senyanga, khangela nganye intsebenziswano malunga nerejista yakho kwaye uqinisekise ukuba ufana. Unokufumana iintlawulo okanye idiphozi ozilibele ukubhala phantsi; ukukhupha okanye ukongeza oku ngokufanelekileyo. Qhathanisa zonke iinombolo zokukhangela eziphumayo kwiirekhodi ukuqinisekisa ukuba akukho nto ilahlekileyo kwaye, ukuba kukho nawuphi na, biza ibhanki ukuze uqinisekise ezo nkcitho kwaye uhlaziye irejista yakho.
Ukuqinisekisa ukuba iirekhodi zakho zifana neebhanki zinceda uphephe iimpazamo ezinkulu kwaye ugcine ingxelo echanekileyo yemali okhoyo. Kulula ukwenza impazamo ukubhala into phantsi xa uphakathi kwezinye izinto ezilikhulu, kwaye kuthatha ixesha lokudibanisa isitatimende sakho sasebhanki kunokukusindisa kwi-headache enkulu yemali kamva.
Ukuhamba ngeenkcazo zakho zebhanki ziyakukuphawula nakuphi na ubuqhetseba okanye ubusela. Ngelishwa, le nto ingaba yinkinga engekho-engaqhelekanga xa kuziwa ekugcinweni kweencwadi nokugcina umlindi osondeleyo kumsebenzi wakho we-akhawunti rhoqo ungakunceda uqaphele iintlawulo ezingalunganga okanye zobuqhetseba ngaphambi kokuqala ukuzongeza.
Iinkcazo zeKhadi leKhadi
Imali ebhizinisini lakho ihlawula ibaluleke kakhulu njengemali engena kuyo. Khangela kwintetho yakho yekhadi lesikweletu emva kokufika kwayo kwaye ugcine iso ngaphandle kweetyala eziphindiweyo okanye ukuthenga okungagunyaziswanga. Ukuba ufumana nayiphi na into ebonakala ilungelayo, qha ga mshelana nenkampani ekhupha ikhadi lekhredithi kwaye ikhansele ngokukhawuleza.
Ukuthenga okusemthethweni, qiniseka ukuba zonke iintlawulo zichanekile. Ukutshatyalaliswa ngokukhawuleza kabini okanye impazamo kwintengo ecatshulwayo kunokubangela ukuba inkampani yakho ihlawule ngaphezu kokufuneka ngababoneleli bakho. Sombulula ezi ngxaki ngokukhawuleza kwaye uhlolisise ngokuphindaphindiweyo ukuqinisekisa ukuba uye wabhawula zonke izinto ezithengiweyo kwinyanga.
Emva kokuba uxolelanise zombini izitatimende, jonga ixabiso eliye laphumela kwi-balance sheet yakho kwaye wenze nayiphi na inguqu efunekayo ukuze bonke bafanisane. Ingongoma yokwenza konke oku nyanga nganye kukuthintela ukulahlekelwa yingozi kunye nokujonga indlela olawula ngayo imali yezoshishino ngokupheleleyo.
Ukunciphisa amatyala
Ukuba nesicatshulwa esiphezulu se-asethi kunye namatyala enkampani yakho kwenza kube lula ukubona apho imali ihamba khona nendlela onokuphatha kakuhle ngayo iindleko. Amashishini amaninzi amancinci aqala ngokulahleka ngendlela yemboleko okanye imigangatho yeebrari ezifuneka ukuba zihlawulwe ngexesha lokusebenza kumnyama. Kungcono ukuba uyayiqonda iimali zakho zezo shishino, kuya kuba lula ukufumana iindlela zokuzisa imicimbi yakho ukulinganisela nokunciphisa amatyala.
Iphepha lokulinganisela elilawulwa ngokufanelekileyo likuvumela ukuba uhlale phezulu kwintsebenziswano eyenzeka ngexesha lomsebenzi wakho wosuku. Inika into ebonisa ibhanki ukuba ifuna irekhodi yenkampani yakho, iqinisekisa abatyala imali ngoku ukuba imali yenu ilawulwa kwaye ingaba sisixhobo sokukhulisa imali eyongezelelweyo. Njengomnini-shishini, isalathisi echanekileyo inikezela uxolo lwengqondo ngokwazi ukuba iimali zakho zilungele kwaye unomfanekiso ocacileyo wendlela imali ekhoyo ngayo ukukhupha iindleko ezingenakuvakala xa ziqhuba inkampani yakho.