Uncedo kwiTyala lokuLawulwa
Xa unemali-mboleko engaphezulu kunokuba ukwazi ukugcina umkhondo-kwaye unenkcitho enzima ukuhlawula iintlawulo-inkqubo yokudibanisa amatyala inokunikela uncedo. Ngaphambi kokuba ubhalise, funda indlela asebenza ngayo kwaye ahlole ukuba ufuna ngokwenene ukuyisebenzisa.
Iyiphi iNkqubo yoQoqosho lweMatyala?
Inkqubo yokudibanisa amatyala yinkonzo equka ukudibanisa iimali-mboleko ezininzi kwinkokhelo enye. Kwiimeko ezininzi, "inkqubo" yinkonzo enikezelwa yinkampani yokucebisa ngekhredithi okanye inhlangano: wenza intlawulo enye kwinkampani, kwaye ithumele iintlawulo zakho kubabolekisi.
Imiqathango ingadideka. Imboleko yokuxhaswa kwetyala (ngokuchasene nenkqubo) ngumboleko omtsha omtsha owenzelwa ukuhlawula ezinye iimboleko .
Ezi ndlela zombini zinemiphumo efanayo, nangona zisebenza ngokuhlukileyo:
- Ukwenza intlawulo enye ngaphandle kweentlawulo ezininzi
- Mhlawumbi unentlawulo engaphantsi kwenyanga ngaphezu kwakho ngaphambili
- Unokugqiba ukuthatha ixesha elide ukuhlawula ityala lakho
- Uya kuthemba ukuba ufumana inzala engaphantsi, nangona unako ukuchitha ngaphezulu kwinzala jikelele
Kwakhona, umahluko omkhulu phakathi kwemboleko yokuhlanganiswa kwetyala kunye neprogram yokuhlanganiswa kwetyala kukuba umboleko ukhokelela ekutshintsheni ityala lakho kumboleko omtsha. Inkqubo , esiza kuchaza ngezantsi, yinkonzo yokunceda ukuhlawula amatyala akho apho.
Ukuba unetyala lekhredithi kunye nenkokhelo eyaneleyo , imali mboleko yokuhlanganiswa kwetyala ingaba yinto ekhethekileyo. Thelekisa iirhafu uza kuhlawula ngemboleko okanye inkqubo, kwaye ugqibe isigqibo.
Indlela yokuQiniswa kweeNkcazo zeeNkqubo zokusebenza
Inkqubo yokudibanisa amatyala yinkonzo ukunceda ukulawula ityala lakho.
Ngoxa uncedo lenkampani yokucebisa ngeengxowa-mali engenzi-nzuzo okanye inkampani-nzuzo-nzuzo, uza kusekwa isicwangciso kunye nenkqubo yokuphelisa i-matyala kwiminyaka emithathu ukuya kwemihlanu.
Qala ngeengcebiso: isinyathelo sokuqala senkqubo yokuhlanganiswa kwetyala kukucebisa. Uza kuthetha nabasebenzi kumboneleli wenkonzo ukuba banqume ukuba okanye bangayi kunceda, nokuba bahlele isicwangciso.
Leli thuba elihle lokufunda ngetyala lakho-kwaye ucele malunga neemali kunye nendlela umbutho usebenza ngayo. Ukuba ufumana ukuziva okubi, zama inkampani eyahlukileyo.
Uya kuhlawula iirhafu: nangona ezinye iimbutho zingenzi nzuzo, lindela ukuhlawula imali yokuseta kunye neenyanga zenyanga. Thelekisa iifizi phakathi kwemibutho ngaphambi kokuba ukhethe enye. Xa unzima ngokwezimali, loo nto idola idola.
Imali-mboleko engakhuselekanga kuphela: iinkqubo zokuhlanganiswa kwetyala zenzelwe ityala elingaqinisekanga kuphela. Ngamanye amazwi, umboleko awukwazi ukulondolozwa ngokubambisa (umzekelo, ukubolekwa kwezindlu kunye nemali-mboleko yemali ayiyi kusebenza). Amatyala angakhuselekanga afaka iitaliti ezifana namakhadi-mboleko, iimboleko zemali, kunye nemali mboleko yemfundi.
Uza kugcina ii-akhawunti zakho: kunye nenkqubo yokuhlanganiswa kwetyala, iimali-mboleko zakho ziya kuqhubeka zikhona apho zikhona ngoku - awufumani mboleko entsha okanye ukuhambisa ityala elikufutshane. Uya kwenza inkokhelo yenyanga nganye kumnikezeli wesevisi yakho, kwaye imali iya kuthi ihanjiswe kwiintlobo zakho zemboleko. Umniki-nkonzo wakho uxhumana nabathengi bakho ngexesha lokuseka kunye njengoko inkqubo iqhubeka.
Akukho matyala amatsha: injongo kukuphelisa amatyala, ngoko kwongeza ityala akuyi kusebenza. Uya kufuneka uvale amaninzi amakhadi akho ekwereta kwaye uvumele ukuba ungathathi imali mboleko emitsha ngelixa uhlawula iimboleko ezidala.
Iintlawulo eziphantsi? Ngokufanelekileyo, uya kuhlawula ngaphantsi kwenyanga nganye, kodwa enye imali iya kufikelela ekunciphiseni amatyala. Iirhafu zakho zentsingiselo nazo zinokunqunyulwa ukunceda ngokufumana imali, kwaye usenokuba ubone iirhafu zokuhlawulwa. Isandi esihle kakhulu ukuba sibe yi nyaniso? Kukho i-tradeoff, ngokuqinisekileyo (ukuba ungathethi iirhafu ozihlawulayo kumnikezeli wesevisi).
Impembelelo yekhredithi: ukusebenzisa inkqubo yolawulo lwetyala kungonakalisa i-credit yakho. Umboneleli wakho wenkonzo uya kuxoxisana nababolekisi, kwaye mhlawumbi uya kugqiba ukuhlawula ngaphantsi kunokuba ufanele uhlawule inyanga nganye. Ngenxa yoko, izikolo zakho zekhredithi zingawa. Ukuba unetyala elipheleleyo phambi kokudibanisa inkqubo, uya kuphawula ukuba i-hit. Ukuba ngaba ulahlekelwa iintlawulo kwaye uhlawule ngokukhawuleza nangona kunjalo, isiphumo sinokuthobeka.
Ukukhetha iNkqubo yoQoqosho lweMatyala
Kukho amashishini amaninzi apho afuna ukukunceda ukulawula ityala.
Uyazi ukuba ngubani owona mhle?
Buza ngeenxa zonke, ufunde izibuyekezo kunye nababoneleli ngeenkonzo zophando. Qala ngemibutho enegama elinamandla. ISiseko seSizwe soMcebisi ngeNgxowa-mali (NFCC) siqinisekisa abacebisi kunye nokubeka iimfuno ezithile kwimibutho yolungu, kwaye yindawo enokuqala ukuyiqala.
Khumbula ukuba awunakudinga inkqubo yokuhlanganiswa kwetyala: unokwenza oku oku ngokwakho. Esikhundleni sokuhlawula umrhumo, uza kuchitha ixesha kunye namandla-kodwa unokuba nexesha elininzi namandla kunemali. Thetha nababolekisi ukuba babone ukuba naluphi na uncedo olukhoyo. Ukuba awunayo inhlanhla eninzi, okanye ukuba ufuna ukubhalisa umncedisi onamava, khuluma nomcebisi wezikweletu.