Indlela Yokudala Ingxelo Yokuhamba Kwemali

Ngaba ukhe wazibuza ukuba ungayigcina njani ingxelo echanekileyo yengeniso yakho yemali kunye neendleko ukuze wazi impilo yeshishini okanye iprojekthi yakho? Emhlabeni ishishini, ukuhamba kwemali sisixhobo esibalulekileyo esikuvumela ukuba uhlalutye kwaye ulawule iintshukumo zemali ngokweenkcukacha. Kweli phepha elimhlophe, siza kuphonononga Inyathelo nenyathelo indlela yokuyila ukuhamba kwemali okusebenzayo okukunika umbono ocacileyo nochanekileyo wemali yakho kwaye ikuncede wenze izigqibo ezizizo malunga nempumelelo eqhubekayo yelinge lakho.

1. Intshayelelo yokuhamba kwemali nokubaluleka kwayo kulawulo lwemali

Ukungena nokuphuma kwemali sisixhobo esisisiseko kulawulo lwemali yayo nayiphi na inkampani. Ibhekisa ekungeneni nasekuphumeni kwemali okwenzeka ngexesha elithile, kwaye ulawulo lwayo oluchanekileyo lubalulekile ekugcineni impilo yezemali yombutho. Ngaloo ndlela, ukuhamba kwemali kuvumela abaphathi ukuba babe nembono ecacileyo yengeniso kunye neendleko zenkampani, nto leyo eyenza kube lula kubo ukwenza izigqibo zemali benolwazi.

Ukubaluleka kokuhamba kwemali kusekukwazini kwayo ukuqikelela nokulawula iimfuno zenkampani yokuhlawula amatyala. Ngohlalutyo olululo lokungena nokuphuma kwemali, abaphathi banokuchonga iingxaki ezinokuthi zibekho kwixa elizayo kwaye bathathe amanyathelo okuthintela. Ukongeza, ukuhamba kwemali sisixhobo esiluncedo sokuvavanya inzuzo yeeprojekthi zotyalo-mali, njengoko kukuvumela ukubala imbuyekezo kutyalo-mali kwaye ubone ukuba inyathelo elithile lifanele ukwenziwa.

Ukulawula ukuhamba kwemali ngendlela eyiyo, kubalulekile ukugcina iirekhodi ezineenkcukacha zayo yonke ingeniso yenkampani kunye neendleko. Oku kubandakanya ukugcina ulawulo olungqongqo lwee-invoyisi, iintlawulo, inkongozelo, iimali-mboleko kunye nayo nayiphi na intengiselwano yemali eyenziwayo. Ngokunjalo, kuyacetyiswa ukuba kusetyenziswe izixhobo ezikhethekileyo kunye nesoftware eququzelela uhlalutyo kunye nokubeka iliso ekuhambeni kwemali.

Ngamafutshane, ukuhamba kwemali kudlala indima ebalulekileyo kulawulo lwemali yenkampani. Ulawulo lwayo oluchanekileyo lukuvumela ukuba ubone kwangaphambili kwaye ulawule iimfuno zokuhlawula amatyala, uvavanye inzuzo yeeprojekthi zotyalo-mali kwaye wenze izigqibo zemali ezinolwazi. Ngoko ke, kubalulekile ukuba abaphathi babe nolwazi oluqinileyo malunga nendlela yokulawula nokuhlalutya ukuhamba kwemali, kunye nokusebenzisa izixhobo ezifanelekileyo kule njongo.

2. Izixhobo kunye neendlela zokwenza ukuhamba kwemali okusebenzayo

Ukudala ukuhamba kwemali okusebenzayo, kubalulekile ukuba nezixhobo ezifanelekileyo kunye nokusebenzisa iindlela ezifanelekileyo. Kukho iindlela ezahlukeneyo onokukhetha kuzo ezinokukunceda ukulawula imali yakho. ngokufanelekileyo kwaye uqinisekise ukuhamba kwemali rhoqo kwishishini lakho.

Esinye sezixhobo eziluncedo kakhulu zokulawula ukuhamba kwemali yisoftware yolawulo lwemali. Ezi nkqubo zikuvumela ukuba ugcine iirekhodi ezineenkcukacha zomvuzo wakho kunye neendleko, unikezela ngeengxelo ezicacileyo nezichanekileyo. Eminye imizekelo Ezona zidumileyo ziquka ii-QuickBooks, i-Xero kunye ne-FreshBooks. Ezi nkqubo zikwakunika isakhono sokwenza uhlahlo lwabiwo-mali kunye noqikelelo lwezemali, oluya kukunceda ucwangcise kwaye ulawule ukuhamba kwemali yakho ngempumelelo.

Esinye isixhobo esiluncedo yi-Excel spreadsheet. Ungasebenzisa i-Excel ukwenza uhlahlo lwabiwo-mali oluneenkcukacha, urekhode umvuzo wakho kunye neendleko, kwaye ulandelele rhoqo ukuhamba kwakho kwemali. Ukongeza, ungasebenzisa iifomyula kunye imisebenzi kwi-excel ukwenza izibalo kunye nokwenza uhlalutyo lwemali.

3. Amanyathelo okuphuhlisa ukuhamba kwemali echanekileyo neneenkcukacha

Ukuphuhlisa ukuhamba kwemali ngokuchanekileyo kunye neenkcukacha, kubalulekile ukulandela amanyathelo ambalwa angundoqo. Okokuqala, kubalulekile ukuba zonke iirekhodi zemali zihlaziywe. Oku kubandakanya ukugcina iingxelo zebhanki, ii-invoyisi, iirisithi kunye nazo naziphi na olunye uxwebhu efanelekileyo. Ukungena nokuchaneka kwemali kufuna isiseko esiluqilima sedatha yezemali.

Nje ukuba iirekhodi zihlaziywe, kuyafuneka ukuba kuphononongwe kwaye kuhlelwe zonke iintengiselwano zemali. Oku kubandakanya ukuchonga umvuzo kunye neendleko ezihambelana nexesha ngalinye. Uqheliselo olulungileyo kukuzihlanganisa ngokweendidi, njengeentengiso, iindleko zokusebenza, iirhafu, phakathi kwezinye. Oku kuya kuququzelela uhlalutyo kunye nokutolika okulandelayo.

Elinye inyathelo elibalulekileyo kukusebenzisa izixhobo kunye nesoftware ekhethekileyo kulawulo lokuhamba kwemali. Kukho iinketho ezininzi ezikhoyo, ukusuka kwi-spreadsheets ezifana IMicrosoft Excel o AmaSpredishithi kaGoogle kwisoftware yokubala ephucukileyo. Ezi zicelo zibonelela ngokusebenza okuthe ngqo ekulandeleni ukuhamba kwemali kunye nokunika ingxelo. Ukongeza, banokukunceda uzenzele iinkqubo ezithile kwaye wonge ixesha.

4. Inkcazo kunye nokuhlelwa kwezinto zokuhamba kwemali

Kubalulekile ukuqonda nokuhlalutya amagalelo emali kunye neziphumo zenkampani. Ezi zinto zinokudityaniswa zibe ziindidi ezintathu eziphambili: imisebenzi yokusebenza, imisebenzi yotyalo-mali kunye nemisebenzi yenkxaso-mali.

Imisebenzi esebenzayo ibhekiselele kwiintengiselwano ezinxulumene ngqo nemisebenzi ephambili yenkampani, efana nokuthengiswa kwempahla okanye iinkonzo. Le misebenzi ivelisa okona kuqukuqela kwemali okubalulekileyo kwaye inokuquka ukuqokelelwa kwee-akhawunti ezifunyenweyo, ukuhlawulwa kwee-akhawunti ezihlawulwayo, kunye neentlawulo zemivuzo kunye nemivuzo.

Kwelinye icala, imisebenzi yotyalo-mali ibhekisa ekufumaneni nasekuhanjisweni kwezinto ezihlala ixesha elide, ezinjengokuthengwa okanye ukuthengiswa kwepropati, oomatshini kunye nezixhobo. Ukuqukuqela kwemali okunxulumene nale misebenzi kujongwa njengokungena kwemali okungenakuguqulwa kwaye kunokuba nefuthe elibonakalayo kubume bemali benkampani. Okokugqibela, imisebenzi yenkxaso-mali iquka iintengiselwano ezibandakanya ukufumana okanye ukuhlawula izibonelelo zemali kubatyali-mali benkampani okanye abatyalwayo, njengokukhutshwa kwezabelo okanye ukuhlawulwa kwezabelo.

5. Izitshixo zokubonisa ingeniso kunye neendleko ekuhambeni kwemali

Ukuhamba kwemali sisixhobo esisisiseko kulo naliphi na ishishini, kuba likuvumela ukuba wenze ingeniso kunye neendleko eziya kwenzeka ngexesha elithile. Ukwenza uqikelelo oluchanekileyo, kubalulekile ukulandela izitshixo ezithile eziza kusinceda sifumane iziphumo ezithembekileyo nezinenyani.

1. Chonga yonke imithombo yengeniso: Inyathelo lokuqala ekuboniseni ingeniso kwimali ekhoyo kukwenza uluhlu olupheleleyo lwayo yonke imithombo yengeniso yenkampani. Oku kubandakanya ukuthengiswa kweemveliso okanye iinkonzo, utyalo-mali, ingeniso, phakathi kwezinye. Kubalulekile ukuba kuchazwe ngokweenkcukacha kangangoko ukuze ungashiyi ngaphandle nayiphi na imithombo yengeniso.

2. Qikelela ingeniso ngononophelo: Yakuba ichongiwe imithombo yengeniso, kubalulekile ukwenza uqikelelo lweemali ekulindeleke ukuba zifunyenwe. Nangona kunjalo, kuyacetyiswa ukuba ube nolondolozo kolu qikelelo, kuthathelwa ingqalelo izinto ezifana nexesha lonyaka leshishini, ukhuphiswano, phakathi kwezinye. Ngale ndlela, siya kukuphepha ukuqikelela kakhulu ingeniso kunye nokufumana uqikelelo olungeyonyani.

3. Hlalutya uze uqikelele iindleko: Ukongeza kwingeniso, kukwayimfuneko ukuhlalutya ngenyameko iindleko zenkampani. Oku kuquka iindleko ezisisigxina ezifana nerenti, iinkonzo, imivuzo, phakathi kwezinye izinto, kunye neendleko eziguquguqukayo ezifana nokuthengwa kwezinto ezikrwada okanye iindleko zentengiso. Kubalulekile ukuchaneka ekuqikeleleni ezi ndleko, kuba nayiphi na impazamo inokuchaphazela uqikelelo lokugqibela lokungena kwemali.

Ngokulandela ezi zitshixo, uya kuba nakho ukwenza iprojekthi yengeniso kunye neendleko ekuhambeni kwemali ngokuchanekileyo nangokuthembekileyo. Khumbula ukuba ngamaxesha athile uphonononga kwaye uhlaziye olu qikelelo ukuze lulungelelanise neenguqu kwimeko yezoqoqosho neyemali yeshishini lakho.

6. Ukubaluleka kokuhlalutya kunye nokuvavanya imeko yokuhlawula amatyala ngokungena nokuphuma kwemali

I-Liquidity yenye yezona zibonakaliso ezibalulekileyo zemali kwinkampani, njengoko ilinganisa ukukwazi kwayo ukuhlangabezana nezibophelelo zayo zentlawulo zexesha elifutshane. Ukuhlalutya kunye nokuvavanya ukungabikho kwemali ngempumelelo, kubalulekile ukusebenzisa ukuhamba kwemali njengesixhobo sakho esiphambili.

Kwimeko yokuqala, kuyimfuneko ukubala ukuhamba kwemali yenkampani, oko kukuthi, umahluko phakathi kwengeniso yemali kunye neendleko zemali ngexesha elithile. Ukwenza oku, yonke ingeniso eyimali kunye nenkcitho kufuneka ichongwe kwaye idityaniswe, kuthathelwa ingqalelo imisebenzi yokwenziwa komsebenzi kunye notyalo-mali kunye nemisebenzi yenkxaso-mali. Kubalulekile ukukhumbula ukuba umvuzo kunye neendleko kufuneka zichazwe njengexesha elifutshane okanye elide, ngokuxhomekeke kubume bazo.

Nje ukuba imali ephumayo ifunyenwe, ubudlelwane bayo nezibophelelo zentlawulo zexeshana elifutshane zenkampani kufuneka zivavanywe. Ngale ndlela, kubalulekile ukubala umlinganiselo wemali yokuhlawula amatyala, ethelekisa ukuhamba kwemali eseleyo kunye namatyala angoku. Umlinganiselo ophantsi wokuhlawula amatyala unokubonisa ubunzima ekuhlangabezaneni nezibophelelo zentlawulo zexeshana elifutshane, ngelixa umlinganiselo ophezulu unokubonisa indawo elungileyo yokuhlawula amatyala.

Kubalulekile ukuhlalutya ukuhamba kwemali ngokweenkcukacha kwaye wenze uqikelelo lwexesha elizayo ukuchonga iingxaki ezinokubakho zokungabi namali yokuhlawula amatyala kunye nokwenza izigqibo zobuchule. Ukongeza, kuyacetyiswa ukuba uthelekise ukuhamba kwemali kunye namaxesha adlulileyo kunye neenkampani ezikwicandelo elifanayo ukufumana ireferensi enenjongo. Ngamafutshane, uhlahlelo novavanyo lokuhlawula amatyala ngokungena nokuphuma kwemali sisixhobo esibalulekileyo kulawulo lwemali yenkampani, sivumela ukuba kwenziwe izigqibo ezisekelwe kulwazi kunye nokulindela iingxaki ezinokubakho zokungabi namali yokuhlawula amatyala.

7. Amaqhinga kunye neendlela zokwandisa nokulawula ukuhamba nokuhamba kwemali

Ukuphucula nokulawula ukuhamba kwemali kubalulekile ukugcina impilo yemali yenkampani. Ngezantsi kukho izicwangciso kunye nobuchule obunokunceda ukuphucula le ndawo:

1. Misela uhlahlo lwabiwo-mali oluneenkcukacha: Kubalulekile ukwenza uhlahlo lwabiwo-mali olubandakanya yonke ingeniso eqikelelwayo kunye neendleko. Oku kuya kukuvumela ukuba ube nomfanekiso ocacileyo wemeko yemali kwaye wenze izigqibo ezinolwazi.
2. Nciphisa amaxesha okuqokelela: Enye indlela yokwandisa ukuhamba kwemali kukunciphisa amaxesha okuqokelela abathengi. Ukufezekisa oku, amaqhinga anokuphunyezwa afana nokubonelela ngezaphulelo kwiintlawulo zakwangoko okanye ukuseka imigaqo-nkqubo esebenzayo yokubeka iliso.
3. Thetha intlawulo kunye nababoneleli: Ngokunjalo, ungafuna izivumelwano nababoneleli ngeenkonzo zokwandisa ixesha lokuhlawula. Oku kukuvumela ukuba ube nexesha elingakumbi lokuvelisa ingeniso ngaphambi kokuba wenze intlawulo ehambelanayo.

Ezinye izicwangciso ezinokunceda ukwandisa nokulawula ukuhamba kwemali ziquka:

• Ukulawula nokunciphisa iindleko ezingeyomfuneko.
• Ukuphucula iinkqubo zamatyala kunye nokuqokelelwa.
• Sebenzisa izixhobo zolawulo lwemali eziququzelela ukubekwa kweliso nokulawulwa kokuhamba kwemali.

Ukuphumeza ezi zicwangciso kunye nobuchule kunokwenza umahluko kulawulo lokungena kwemali yenkampani, ukuvumela ucwangciso olungcono lwezemali nokuqinisekisa ukuzinza kwayo ekuhambeni kwexesha.

8. Iimpazamo eziqhelekileyo zokuphepha xa ulungiselela ukuhamba kwemali

Xa ulungiselela ukuhamba kwemali, kubalulekile ukuphepha iimpazamo ezithile eziqhelekileyo ezinokuphazamisa ukuchaneka nokuthembeka kolwazi. Nazi ezinye zeempazamo eziqhelekileyo kunye nendlela yokuziphepha:

1. Ukungathatheli ngqalelo yonke imithombo yemali: Enye yeempazamo eziqhelekileyo ayibandakanyi yonke imithombo yemali ekuhambeni kwemali. Kubalulekile ukuthathela ingqalelo ukungena nokuphuma kwemali kuyo yonke imisebenzi yenkampani, efana nokuthengisa, utyalo-mali kunye nokuxhaswa ngemali. Ngale ndlela, imbono epheleleyo nechanekileyo yemeko yemali yenkampani iya kufumaneka.

2. Ukungahlaziyi ukuhamba kwemali ngamaxesha athile: Enye impazamo eqhelekileyo ayihlaziywa rhoqo ukuhamba kwemali. Kubalulekile ukuphonononga nokuhlengahlengisa ukuhamba kwemali ngamaxesha athile ukubonisa utshintsho kwingeniso nakwinkcitho. Oku kuya kuqinisekisa ukuba ulwazi luhlala luchanekile kwaye lusexesheni.

3. Ukungathatheli ngqalelo iimeko ezinokuvela: Amaxesha amaninzi, siyalibala ukuqwalasela iimeko ezinokuvela kunye neziganeko ezingalindelekanga xa silungiselela ukuhamba kwemali. Kuyacetyiswa ukuba kufakwe umda wokhuseleko ukujongana neemeko ezingalindelekanga ezinokuchaphazela ukuhamba kwemali yenkampani. Ngale ndlela, uya kukulungela ukulungisa nasiphi na isiganeko esinokuvela kwixesha elizayo.

9. Izixhobo zobuchwepheshe ukuququzelela kunye nokuzenzekelayo ukugcinwa kwemali engenayo

Ukungena kwemali ngumba obalulekileyo kulo naliphi na ishishini, kwaye ukuligcina ngokuchanekileyo kunokwenza umahluko phakathi kwempumelelo kunye nokusilela. Ngethamsanqa, kukho izixhobo zetekhnoloji ezikhoyo ezinokuthi ziququzelele kwaye zizenzele le nkqubo, zigcina ixesha kunye nomgudu wabanikazi bamashishini. Ngezantsi kukho izisombululo ezinokuba luncedo kakhulu:

Iinkqubo zolawulo lwemali: Ezi nkqubo zivumela ulawulo olupheleleyo lomvuzo kunye neendleko zenkampani. Ngokuzenzekelayo imisebenzi efana nokurekhoda kwentengiselwano kunye nokunika ingxelo, unciphisa amathuba okuba neempazamo kwaye ukhawuleze uhlalutyo lwemeko yakho yezemali. Ezinye iinketho ezidumileyo ziquka i-QuickBooks kunye I-SAP Business One.

Ii-aplikeshini zeselfowuni: Iiapps eziphathwayo zibonelela ngendlela efanelekileyo yokulawula ukuhamba kwemali ekuhambeni. Ezi zixhobo zikuvumela ukuba ungene kwaye uhlele iintengiselwano, ubeke iliso kwibhalansi yebhanki, kwaye usete izikhumbuzi malunga neentlawulo ezilindileyo. I-Mint kunye ne-Expensify yimizekelo emibini ebalulekileyo yee-apps eziphathwayo ezinceda ukugcina ukuhamba kwemali phantsi kolawulo.

10. Indlela yokutolika nokusetyenziswa kolwazi olunikezelwe yimali ephumayo

Ukutolikwa kunye nokusetyenziswa kolwazi olunikezelwe yimali engenayo ibalulekile ekwenzeni izigqibo zemali. Apha sikunika isikhokelo senyathelo nenyathelo lokuqonda nokusebenzisa olu lwazi ngempumelelo:

1. Hlalutya indlela yokuhamba kwemali: Ukuhamba nokuphuma kwemali kwahlulwe ngokwemimandla emithathu engundoqo: ukusebenza, utyalo-mali kunye nokuxhasa ngemali. Kubalulekile ukuqonda ukuba iintengiselwano zihlelwa njani kwicandelo ngalinye kula kunye nendlela ezichaphazela ngayo ukungakwazi kwenkampani. Uphonononga ukungena nokuphuma kwemali ukuchonga iipateni ezifanelekileyo kunye neendlela.

2. Bala izikhombisi eziphambili: Sebenzisa iifomula kunye nokubala ukufumana izikhombisi eziphambili eziza kukunceda uvavanye impilo yemali yenkampani. Ezinye zeemetriki eziqhelekileyo ziquka ukuhamba kwemali eseleyo, umda wemali, kunye nengeniso yemali. Ezi zalathi ziya kukunika ulwazi oluxabisekileyo malunga nokukwazi kwakho ukwenza imali kunye nokulawula ngokufanelekileyo. indlela esebenzayo izibonelelo zemali.

3. Thelekisa ukuhamba kwemali nezinye iingxelo zemali: Ukufumana umfanekiso opheleleyo wemeko yemali yenkampani, kuyimfuneko ukuthelekisa ukuhamba kwemali kunye nezinye iingxelo zemali, ezifana nengxelo yengeniso kunye ne-balance sheet. Chonga iiyantlukwano kwaye uhlalutye izizathu ezinokuba zikho. Oku kuya kukunceda uvavanye amandla emali yenkampani kwaye wenze izigqibo ezinolwazi malunga notyalo-mali, ukuxhasa ngemali kunye nokusebenza.

11. Iingcebiso zokugcina ukuhamba kwemali okusempilweni nokuzinzileyo

Ukugcina ukuhamba kwemali okunempilo kunye nokuzinza kwishishini lakho, kubalulekile ukuthatha amanyathelo athile kwaye ulandele izikhokelo ezithile. Nanga amanye amacebiso okukunceda ukuphumeza oku:

1. Hlalutya umvuzo wakho kunye neendleko: Yenza uhlalutyo olucokisekileyo lomvuzo wakho kunye neendleko ukuze uchonge iingxaki ezinokubakho kwaye wenze izigqibo ezizizo. Gcina iirekhodi ezichanekileyo nezihlaziyiweyo zazo zonke iintengiselwano zemali zeshishini lakho.
2. Lungisa uhlahlo lwabiwo-mali: Yenza uhlahlo lwabiwo-mali oluneenkcukacha olubandakanya zonke iindleko zokusebenza, njengemivuzo, izinto eziyimfuneko kunye nerenti. Qinisekisa ukuba unikezela ngemali kwiziganeko ezingalindelekanga kunye nongxamiseko.
3. Lawula ii-akhawunti zakho ezifunyenweyo kwaye zihlawulwe: Gcina umkhondo weeakhawunti ezifunyenweyo ukunqanda ukuhlawulwa kade kubathengi bakho. Ngaxeshanye, thethathethana ngemigaqo nemiqathango evumayo nababoneleli bakho ukuze wenze ukuba iiakhawunti zakho zihlawulwe. Khumbula ukuba ukuhamba kwemali kuchatshazelwa kukulibaziseka kwiintlawulo zemali-mboleko kunye nokubuyisela.

Ukwengeza kwi la macebiso, kuyacetyiswa ukuba ube nocwangciso oluhle lwezemali, ube nezicwangciso ezicacileyo zokunciphisa iindleko, ukwahlula imithombo yakho yengeniso kunye nokumisela imida yenkcitho. Khumbula ukuba ukugcina ukuhamba kwemali okusempilweni nokuzinzileyo kubalulekile kwimpilo yezemali yeshishini lakho kwaye kukuvumela ukuba ujongane neziganeko obungalindelekanga kwaye usebenzise amathuba okukhula.

12. Case studies kunye nemizekelo ebonakalayo yokuhamba kwemali kumashishini ahlukeneyo

13. Ukubaluleka kokusoloko kubekwe esweni kwaye kwenziwe uhlengahlengiso kwindlela yokuhamba kwemali

Ukubeka iliso rhoqo kunye nokwenza uhlengahlengiso kwindlela yokuhamba kwemali ngundoqo kwimpumelelo yezemali yalo naliphi na ishishini. Imali engenayo ibhekisa kwisixa semali engena okanye iphuma kwishishini ngexesha elithile. Ngokubeka iliso ngokuqhubekayo, unokwazi ukuchonga nakuphi na ukutenxa okanye iingxaki ezinokubakho ngokuhamba kwemali kwaye uthathe amanyathelo okulungisa ngexesha elifanelekileyo.

Enye yeendlela ezisebenzayo zokusoloko ulandelela ukuhamba kwemali kukwenza uhlahlo lwabiwo-mali oluneenkcukacha. Uhlahlo lwabiwo-mali lubonisa uqikelelo lwengeniso kunye neendleko zenkampani kwixesha elizayo, nto leyo eyivumela ukuba ibonise ukuhamba kwemali okulindelekileyo. Kucetyiswa ukuba uhlahlo lwabiwo-mali luhlaziywe kwaye luhlaziywe rhoqo ukubonisa naluphi na utshintsho kwiimeko zoshishino.

Esinye isicwangciso esibalulekileyo kukugcina iingxelo zemali ezichanekileyo nezihlaziywayo. Oku kubandakanya ukurekhoda yonke ingeniso kunye neendleko ngononophelo, ukwabela iindidi ezithile ukuququzelela uhlalutyo lwamva. Ngokuba neerekhodi ezineenkcukacha, iipatheni zenkcitho, iindawo ekufuneka ziphuculwe, kunye nokuvuza kwemali okunokubakho kunokuchongwa. Ezi rekhodi zikwabalulekile xa kusenziwa uhlengahlengiso lokuhamba kwemali, njengoko zibonelela isiseko sedatha ethembekileyo ekwenzeni izigqibo ezizizo.

14. Izigqibo zokugqibela kunye nesishwankathelo semiba ephambili yokudala ukuhamba kwemali okuyimpumelelo

Ukuqukumbela, ukwenza ukuhamba kwemali ngempumelelo kubalulekile ukulandela uthotho lwemiba ephambili eya kusivumela ukuba sibe nombono ocacileyo wemali yethu kwaye senze izigqibo zobulumko. Elinye lamanyathelo okuqala kukwenza uhlalutyo olupheleleyo lwengeniso kunye neendleko, ukuchonga ezo zinto zenza ingeniso enkulu kunye nezo zimele iindleko ezinkulu.

Nje ukuba ezi zinto zichongiwe, kubalulekile ukuseka isicwangciso somsebenzi ukwandisa ingeniso kunye nokunciphisa iindleko. Oku kunokubandakanya ukuphumeza izicwangciso zentengiso ukwandisa intengiso, ukunciphisa iindleko ezingeyomfuneko, kunye nokuphucula iinkqubo zangaphakathi zombutho.

Ukongeza, kubalulekile ukugcina iirekhodi ezineenkcukacha zayo yonke imicimbi yezemali kunye nokubeka iliso rhoqo ukuhamba kwethu kwemali. Oku kuya kusenza sibe nembono ecacileyo ngemeko yethu yezemali ngawo onke amaxesha kwaye senze izigqibo ezizizo. Ukuququzelela le nkqubo, kukho izixhobo zemali ezikhoyo kwimarike ezinokusinceda sigcine ulawulo oluchanekileyo lwemali yethu.

Isishwankathelo, ukulungisa ukuhamba kwemali ngumsebenzi osisiseko kuyo nayiphi na inkampani efuna ukulawula imali yayo. Ngale nkqubo, ukungena nokuphuma kwemali kunokuchongwa kwaye kulawulwe ngokupheleleyo, kuvumeleke ukuba kwenziwe izigqibo ezisekelwe kulwazi ukuze kugcinwe ulungelelwaniso lwemali olusempilweni.

Kubalulekile ukugxininisa ukuba ukulungiswa kokuhamba kwemali kufuneka kuchaneke kwaye kube neenkcukacha, kuthathelwe ingqalelo yonke imithombo yengeniso kunye neendleko zenkampani. Ngaphezu koko, kuyacetyiswa ukuba kubekwe iliso ngamaxesha athile iziphumo ezifunyenweyo, kuba oku kuya kuvumela izicwangciso zemali ukuba zihlengahlengiswe kwaye zicwangciswe ngokuhambelana nenyani yeshishini.

Ulungiselelo oluchanekileyo lokuhamba kwemali lunokuba negalelo ekukhuleni nakwimpumelelo yenkampani, njengoko ibonelela ngolwazi oluxabisekileyo lokwenza izigqibo zexesha elifutshane nezexesha elide. Ngokunjalo, ivumela ukuba sivavanye ubungakanani bemali yenkampani kunye ne-solvency, sichonge iingxaki zemali ezinokubakho kwaye sithathe amanyathelo okuthintela okanye okulungisa.

Okokugqibela, kubalulekile ukukhumbula ukuba ukulungiselela ukuhamba kwemali akuyonkqubo engatshintshiyo, kodwa kufuneka ihlaziywe kwaye ihlaziywe rhoqo ukubonisa utshintsho kunye nokuguquguquka kwengeniso kunye neendleko zenkampani. Ngokuba nokuhamba kwemali okuchanekileyo nokuhlaziyiweyo, unokugcina ulawulo lwemali oluluqilima kwaye uphucule ukwenza izigqibo ukuze kuxhamle inkampani.