Uyini kwemali futhi kanjani they ihlukaniswa

Ezimweni zanamuhla wokuphathwa kwezimali maqondana antulayo ngokwezimali kubalulekile cishe kunoma iyiphi ibhizinisi. Ekugcineni, sendlela ngempumelelo inhlangano Izilawuli waseqondisa kwemali kuxhomeke ukuncintisana kanye yayo ibhizinisi impumelelo. Uhlaziyo le nkomba linendima ebalulekile ekuhlaziyeni isimo sezimali lenkampani.

Umqondo futhi ngokuyisisekelo kwemali

Ngokuvamile leli gama kwezomnotho kakhulu livela «cash flow» imishwana IsiZulu ukuthi kungenziwa elihunyushwa ngokuthi "cash flow". Nokuphuma kwemali kukhona ibhizinisi ezezimali ukunyakaza phezu isikhawu ethize. Ngamanye amazwi, kuba nomehluko phakathi namarisidi izinkokhelo kwesikhathi esithile. Nge lesi sibalo, ungakwazi ukuhlonza ngqo ukuthi imali esivusa ukuthi ngaso sonke isikhathi kucatshangelwe ekunqumeni inzuzo: ukukhokha intela, izindleko utshalomali, nokukhokhela, izintela ngezithukuthuku inzuzo, njll Ukuze uthole ukuvezwa more ephelele okushiwo eside, sicabanga Ukwahlukaniswa izingxenye zalo.

Izinhlobo nokuphuma kwemali

1. Kuye ngobukhulu izinqubo yesevisi yebhizinisi:

• Ngaphesheya ibhizinisi. Lona ifomu elivamile kakhulu, kuhlanganise nazo zonke ziyamaniswa nokungangeni futhi yiziphethu ezezimali enhlanganweni.
• Ngokusho amayunithi kwesakhiwo. Indima wesibili bangase ubuye izikhungo wemfanelo.
• On ukuthengiselana ezithile zebhizinisi. Kuyinto into eyinhloko ukulawula izimali.

2. Kuye uhlobo umsebenzi ibhizinisi nokuphuma kwemali yilezi:

• by imisebenzi ezisebenza. Iphathelene ukukhokhela abahlinzeka namasevisi outsourced ezihlobene nemisebenzi ukukhiqizwa. Lokhu kuhlanganisa amaholo izisebenzi abahilelekile ukusebenza kanye ne ukukhokha intela. Ngesikhathi esifanayo lolu hlobo cash flow ikhombisa yokudayisa kwezimpahla iziphathimandla zentela esimweni ukwabiwa izinkokhelo overpaid saziso;
• kusukela imisebenzi imali. Kuhlanganisa namarisidi izinkokhelo kusukela kokutshala imali futhi yangempela, kanye imali etholakale ngokudayiswa kwempahla angaphatheki nokulahla ezimpahleni ezingasuki phansi, amathuluzi ujikelezisa we iphothifoliyo yokutshala izimali kanye imiphumela nezinye zokukhokhelwa efanayo;
• imisebenzi ngezimali. Lolu hlobo lihlotshaniswa ukuhamba imali ehambisana ne-Ukukhuphula imalimboleko, nokubonga, mutual funds eyengeziwe noma ukulingana dolobha, nokukhokhwa izinzuzo kanye enqwabelene inzalo imali, njll

3. Ngesikhathi isiqondiso noma umphumela:

• omuhle. Kuyinto isiqalo nesigcino zonke ukuqhutshwa uhlobo umsebenzi ngamunye. Njengoba i Analogue futhi basebenzisa inkulumo ethi "i-inflow nezimali";
• ezingezinhle. Inani ivolumu izinkokhelo ngokuhamba umsebenzi ibhizinisi. Ngamanye amazwi, lokhu "ukheshe outflow".

4. Ngokusho indlela kokubala ivolumu kwemali kuyinto:

• net. Limelela umehluko phakathi wonke engenayo nephumayo;
• okwedlulele. It ephawula bonke notshwala emihle nemibi isikhathi esithile yokubika.

5. Ngokwalesi nokwanela:

• ukhuluphele. Izimali idlule isidingo inkampani;
• ayindlala. Ukufika yemali engezansi izidingo zangempela ibhizinisi.

6. Ngendlela isikhathi ahlola notshwala imali yilezi:

• Yiqiniso, unikezwa ubukhulu okwamanje samanje;
• Ikusasa, unikezwa izindleko kwesikhathi esithile oluzayo.

7. Ngokusho ngokuqhubeka kumiswa:

• njalo (ngokuvamile kuhlobene imisebenzi yokusebenza);
• leyehlukene (umphumela eyodwa-off zebhizinisi ezifana ukuthengwa ilayisensi, nika usizo, kwe-eziyinkimbinkimbi impahla, njll).

8. Ukuzinza kwesikhathi ngezikhawu ngesikhathi lapho akhiwa, imali njalo notshwala yilezi:

• Avamile ngesikhathi njalo ngezikhawu phakathi kwesikhathi. Isibonelo annuity.
• Sasikhathi okungajwayelekile zinkathi ngaphakathi nenkathi efanayo (isib, ukuqasha izinkokhelo nesimiso esikhethekile lokukhokha).

Ukwahlukaniswa ngenhla inikeza ithuba ngokugcwele futhi ngenjongo afeze ukuhlela, ezimali kanye nokuhlaziywa nokuphuma kwemali enkampanini, kungakhathaliseki ukuthi Ububanzi bemisebenzi yayo.