Kuza kuza iphuzu kwiimali zakho xa kunengqiqo ukuba uncediswe uncedo olongezelelweyo ekuqaliseni indlela engcono yokutsalwa okanye ukufaka ifayile yakho irhafu. Emva koko uya kufuna umncedisi we-akhawunti. Unokujamelana nexesha apho ufuna umntu ukuba ancede ukulawula imali yakho, ukutshala imali yakho, okanye kukunceda ulawule ifa elikhulu.Uya kufuneka unomcwangcisi wezemali.
Ngezantsi, sichaza xa uya kulufuna i-accountant, kwaye xa kunengqiqo ukuqesha umcwangcisi wezemali.
Ufanele usebenzise nini i-akhawunti?
Uninzi lwabantu aludingi i-akhawunti. I-akhawunti iyenziwa kakuhle xa unemeko yerhafu ekhethekileyo, njengokuba neyakho ibhizinisi, okwenza ngaphezulu kwama-200k, lindela ukunika imali kubantwana bakho, ukuba neendawo zokuqashisa, okanye ulindele ukufumana inzuzo enkulu .
Ukubeka ngokukhawuleza, umgcini-akhawunti unokukunceda ngemicimbi ethile abantu abaninzi abanayo. Nangona kunjalo, kukho imeko apho ukusebenzisa i-akhawunti-mali kunokukunceda ugcine imali.
Ukuba ucebile kakhulu okanye ungumnini-shishini, unokuqwalasela ukufumana i-akhawunti yomncedisi ukukunceda uqonde imithetho ejikeleze ukugcinwa kweencwadi kunye neerhafu.
Ukuba unempahla yepropati okanye ipropati yakho yokuhlala , unokufuna ukucinga ukuba u-akhawunti. Ukuba nepropati yokuqashisa kufana nokuba neyakho ishishini, ngoko ke ukuqeshisa i-akhawunti-mali kuyimfuneko kule meko.
Enye into ebalulekileyo yokuqasha i-akhawunti-mboleko kukuba ngaba unesimo serhafu esinzima. Uninzi lwabantu luya kukwazi ukuhlawula irhafu ngefowuni yokulungiswa kweerhafu , kodwa ukuba unayo ibhizinisi lakho okanye utyalo-mali oluninzi, unokucinga ukuba ufumana i-CPA okanye ugqirha weerhafu ukwenzela irhafu yakho.
Ukuba unokufumana utshintsho olukhulu lobomi, njengokuthatha umntwana, ukuthenga ipropati, okanye ukwenza imali eninzi, ngoko ukufumana i-accountant kunokubeka ingqondo yakho ekuphumleni. Unokufuna kuphela ukutyelela umgcini-mali ukuba unyaka omnye, okanye uthethe kuphela kanye ngonyaka malunga nexesha lokurhafu . Ngayiphi na indlela, kunengqondo ngemali ukuba ube nengcali onokuyibonisana ukuba unemibuzo.
Xa Ufanele Usebenzise Umcwangcisi Wezezimali?
Ukuba ufuna isiluleko malunga nohlahlo lwabiwo-mali, ukuphuma kwetyala okanye utyalo-mali, kusenokuba ixesha lokuqesha umcwangcisi wezemali . Umcebisi wezezimali unokusebenza ngeendlela ezimbini ezahlukeneyo. Enye indlela njengomcebisi ohlawula umrhumo ukukunceda ucwangcise uhlahlo lwabiwo-mali kwaye usebenze isicwangciso- mali sokwakha ubutyebi.
Ngenye indlela, unokuqesha umcwangcisi wezemali ofumana ikhomishini kwimveliso ayithengisayo kuwe okanye utyalo-mali oluthile olufanelwe kuwe.
Nangona kunjalo, umcwangcisi omhle wezemali uya kukukhuthaza ukuba uphume kwetyala ngaphambi kokuba uqale utyalomali imali yakho. Ukuba udinga uncedo lokusekela isicwangciso sakho sokuphuma kwetyala okanye uhlahlo lwabiwo-mali ungaba ngcono ekufumaneni umcwangcisi wezimali ohlawulayo ukudibana naye.
Emva koko, xa ulungele, lo cwangcisi wezimali unokukunceda xa ulungele ukuqala ukutshala imali yakho.
Ibhanki yakho inokunikezela ngeenkonzo zokucwangcisa imali okanye unokucela abahlobo ukuba bahanjiswe kubacwangcisi babo bezemali. Ngezantsi ziimeko xa kuqeshwe umcwangcisi wezemali unokukhetha okulungileyo kuwe:
Unokufuna umcwangcisi wezemali ukuba ulungele ukuqala ukutshala imali yakho kwimarike. Umcebisi wakho wezezimali unokukunceda ukuba ufumene i- investments engcono ukukunceda ufinyelele iinjongo zakho zemali.
Umcebisi wezezimali unokukunceda ukuba wenze uhlahlo lwabiwo-mali kwaye usebenze ekuphumeni kwetyala. Unokukunceda wenze isicwangciso semali eside ixesha elide ngezinto ezifana nokuthatha umhlalaphantsi nokugcina iikholeji zezingane zakho.
Ngaba Uyazibini zombini?
Ukuba ungumnini-shishini lakho, umgcini-akhawunti wakho kunye nomcwangcisi wezemali kufuneka basebenze kunye nawe ukukunceda uhlale endleleni. Ukongezelela, ezinye iingxelo zisebenza njengabacwangcisi bemali.
Kubalulekile ukuthembela kubini umcwangcisi wezezimali kunye nomgcini-akhawunti wakho. Ukubeka ngokucacileyo, umcwangcisi wezezimali kufuneka akwazi ukuchaza imicimbi malunga nezimali zakho ngendlela oyiqonda ngayo. Kufuneka uqonde iingozi zentalo-mali phambi kokuba wenze. Ngakolunye uhlangothi, umgcini-akhawunti wakho kufuneka akwazi ukuqonda ngokucacileyo imeko yerhafu yonyaka ngamnye, kufuneka akuncede uqonde indlela iincwadi zakho ezimiselwe ngayo kunye nolwazi olufunekayo ukufaka usuku ngalunye.
Kufuneka ukhethe ngokucophelela ubini-akhawunti kunye nomcwangcisi wezezimali. Zama ukucela abahlobo kunye nezihlobo malunga neencomo, kwaye uqeshe iimeko ezifanelekileyo kwi shishini lakho kunye nemeko yakho.
Emva koko unako ukulawulwa kwekamva lakho lemali.
Ukuhlaziywa nguRachel Morgan Cautero.