Isicwangciso sobukrelekrele esilungileyo sinokunyusa ubutyebi bakho.
Kulabo abanokulondoloza imali encinci, okanye abo banomdla wokusebenzisa ityala ukuthenga izinto abangenakukwazi ukuzenza, icebo lokunciphisa iitalato ezibandakanya icebo lokuhlawula umboleko ngaphambi kokuba umhlalaphantsi unokwenza umqondo omkhulu.
Kodwa kuthekani ngabafumene abaphezulu bemali abaye benza umsebenzi ogqwesileyo wokulondolozwa, baye bahlala benetyala ngokuqinileyo, kwaye banokuba ngaphezu kwezigidi okanye ngaphezulu kwiivenkile ezibutyebi-mali? Kule qela, ukuhlawula ityala ngaphambi kokuba umhlala-phantsi ungabi yindlela ebonakalayo yokwenza imali.
Njengoko umnatha wakho ukhula, unokufuna ukuqala ukucinga ngetyala ngokuhlukileyo; ukucinga ngayo - nokuyisebenzisa - ngakumbi njengenhlangano. Amashishini aqaphele into ebizwa ngokuba yi-debt ratio, kwaye asebenza ukugcina isixa-mali esilungileyo kuba sinikezela ithuba ngokuvumelana nokuguquguquka, ukuthengiswa kwemali, ukuphakamisa (ukukwazi ukufumana imali ngokukhuphula inkampani kunokuba ihlawule ngeendleko yokuboleka), kunye neenzuzo zerhafu.
Ukusebenzisa amatyala njengenhlangano
Njengoko uqokelela ixabiso leempahla zezoqoqosho kunye neentengo ziqala ukucinga ngetyala njengethuluzi. Oku kuthetha ukufunda indlela yokuyisebenzisa kunokugxila ekugqibeleni kuzo zonke iindleko.
Unokuthabatha iingcebiso ezixabisekileyo malunga nendlela ocinga ngayo ngetyala kwaye uyisebenzise kwiimali zomntu siqu kwincwadi ethi Value Of Debt: Indlela yokuLawula zombini iiNcedisi zeSalath Sheet ukuze ukhulise ubutyebi nguThomas J. Anderson. UTom une-MBA yakhe esuka kwiYunivesithi yaseChicago, waya kwiSikolo seWharton saseYunivesithi yasePennsylvania, kwaye uphethe izitifiketi ezinxulumene notyalo-mali.
Wayesebenza kwiibhanki zotyalo-mali eNew York kwaye uthatha indlela ekhethekileyo yokusebenzisa iingcamango zezemali zenkampani kwiibhanti zemali.
Encwadini yakhe uxoxa ngezinto ezinje:
- Kutheni ukusetyenziswa kweemali mboleko kungenzi nto.
- Ukujonga njani i-asethi kunye namatyala ukusuka kwinqanaba lekhaya.
- Iintlobo zokubeka i-Asset-Based Based Loan Facility (eyona nto ingumgca wekhredithi ojikelezayo usebenzisa i-asethi yeemali njengento yokubambisa).
- Kutheni, xa ukhangela ityala ngokwemilinganiselo yetyala, kungenangqiqo ukuba ube neetyala ezingaphezulu, kungekho ngaphantsi kwetyala, njengoko inzuzo yakho ikhula.
- Iingeniso zerhafu ezingenako ukusetyenziswa kwetyala ukuxhasa iindleko zomhlalaphantsi.
Ndakuva uTom ekhuluma kwiDenver ngo-2014, kwaye uyaqhubeka egxininisa ukuba iingcamango ezincwadini zakhe zisekelwe kwisiseko sokuthi uzimisele ukucinga ngemali yakho siqu ngendlela efanayo neCFO (iGosa eliPhezulu lezeMali) licinga kwaye lilawula iimali zoshishino.
Kuyo yonke incwadi uphakamisa ukuba "yonke into iyalingana, iphothifoliyo esezantsi yokunyanzeliswa kunye netyala libhetele kuneliphothifoliyo ephezulu."
Amatyala kwiRhafu
Le ncwadi yandinceda ndibone umsebenzi wetyala lokufumana umthamo ophezulu wokuthatha umhlalaphantsi ngendlela entsha. Esikhundleni sokuhlawulela ngokukhawuleza amatyala ukuba ulungele umhlala-phantsi kunokuba neyona ndlela efanelekileyo yokufumana iintsapho eziphezulu zokufumana imali.
Enye into enokuyenza ingasebenzisa iimali-mboleko ezithatha inzala kuphela endaweni yokubolekisa ngemali-mboleko, ekhupha imali eyongezelelweyo. Emva koko usebenzisa imali eyongezelelweyo ukuqokelela ipahla ezininzi.
Ukongezelela iimboleko zempahla efana neentengo zemali zeentengo zemali okanye iimboleko zemali-mboleko (into ehluke kakhulu kunemali-mboleko yemali) ingaba yindlela enokuyisebenzisa ukuba uthenge iimoto, utyalomali kumashishini, uncede umntwana omdala, uhlawule imfundo yomzukulu, okanye uthenge ikhaya lesibini. Inzuzo kule miba yemboleko yinto yokuba xa uthe wawabeka, imali ekulungeleyo xa uyenayo. Oku kunokuphelisa ixesha kunye nokuphazamiseka kwenkqubo yokufaka izicelo zemboleko enobunzima eyenzeka ngeendlela zokwenza imali zemveli.
Ukuba unomvuzo ophezulu, umgangatho ongcono weentsapho, ndiyakumcebisa ukuba ufunde le ncwadi uze uphinde ucinge ngesicwangciso sakho malunga nesikweletu.
Kodwa njengoko uTom esheshayo ukubonisa, akuyona indlela ekufuneka ithathwe ngabantu abanomkhuba wokuthenga izinto abanako ukuzenza. Amatyala ayetyenziswe kakuhle njengethuluzi lezemali kulabo abathengayo izinto abanokuzifumana.