Iqhaza lomeluleki wezezimali

Uyemukelwa esihlokweni sethu sebhulogi esinikezelwe endimeni ebalulekile ye-a Umeluleki Wezezimali ekuphatheni izimali zakho. Ukuthi umusha yini ezezimali zomuntu siqu noma umtshali-zimali ongumakadebona, ukuqonda indima yomeluleki wezezimali kungakusiza wenze izinqumo ezinolwazi futhi ufinyelele imigomo yakho yezezimali.

Kulesi sihloko, sizohlola ngokuningiliziwe izibopho kanye nezinzuzo zomeluleki wezezimali, kanye nokuthi kungani kunengqondo ukubhalisa izinsizakalo zabo. Ukuthi ufuna hlela umhlalaphansi wakho, ukuze tshala ngobuhlakani noma ukuphatha izikweletu zakho, lo mhlahlandlela uzokunikeza ulwazi oludingayo ukuze uthole okuningi ebudlelwaneni bakho nomeluleki wezezimali.

Lungela ukuthola ukuthi umeluleki wezezimali angaba kanjani umsizi wakho ekuzuzeni uzinzo lwezezimali lwesikhathi eside nokuchuma.

🥀 Uyini Umeluleki Wezezimali?

Umeluleki ngu-“ umuntu ongungoti esifundweni abeluleka ngaso ngokomsebenzi ". Ngokwale ncazelo engenhla, kulula ukuqonda ukuthi, esimweni sebhizinisi, iseluleko sezezimali siwumsebenzi lapho umuntu ofanelekayo ehlola khona. ezezimali zebhizinisi futhi ikhombisa amasu okuzenza zihleleke kakhulu.

Umeluleki wezezimali ngaphezu kwakho konke ungumxhumanisi webhizinisi. Uma ufuna ukwenza i-career kulo mkhakha, kulula, bheka lo mhlahlandlela ungaba kanjani umeluleki webhizinisi omuhle kakhulu?

🥀 Wenzani ngempela umeluleki wezezimali?

Umxhumanisi wezezimali unezimfanelo ezimbalwa. Ihlinzeka ngemikhiqizo namasevisi ezezimali ahlukahlukene kubantu ngabanye, imindeni, amabhizinisi nezinye izinhlangano. Isikhathi esiningi, ubudlelwano besikhathi eside busungulwa phakathi kwakhe namakhasimende akhe.

Lokhu kusebenzisana kufaka phakathi amasevisi aqhubekayo afana nalawa: ukuphathwa kwephothifoliyo yokutshalwa kwezimali, ukungena kwemali noma ukubuyekezwa konyaka kwe ukuhlela kwezezimali. Ubudlelwano phakathi komxhumanisi nosomabhizinisi buthanda ukuqina njengoba zombili izinhlangothi zibona izinzuzo ezizikhiqizayo.

Ukuze umeluleki aphumelele ukuhlangabezana nezidingo, izinhloso kanye nezidingo zeklayenti, kufanele aziqonde futhi azi kahle. Bese-ke, futhi kubhekwa lezi zindlela zokunquma, insizakalo yenziwa ngezifiso ukuze kuzuzwe inzuzo ephezulu kakhulu.

Lo chwepheshe angakwazi futhi ukuqondisa ukuthengwa nokudayiswa kwamasheya/amabhondi eklayenti. Abanye basebenzela amafemu okubonisana agxile ezidingweni zezezimali zezimboni ezithile noma amabhizinisi.

Singasho ukuthi ngandlela-thile “udokotela” wenkampani. Uma sigula, sibheka uchwepheshe ozositshela ukuthi sinakho futhi asinikeze imithi, akunjalo? Ngokunjalo, impilo yezezimali yebhizinisi idinga ukunakwa ukuze ihlale imile.

Kulesi simo, ukuze uphile futhi uchume, kubalulekile ukwesekwa umuntu owenza izinqumo eziphusile ezisekelwe olwazini oluphathekayo - ngisho ngoba ukuhlaziya kwezezimali kuhilela ukucabangela inani elikhulu lezinto eziguquguqukayo kuphela uchwepheshe kulo mkhakha ongakwazi ukuzenza. ukuthuthukisa.

🥀 Izibopho Zomeluleki Wezezimali

Okokuqala, omunye wemithwalo yemfanelo eyinhloko yomeluleki wezezimali ukuhlola isimo sisonke isimo sezimali samakhasimende abo. Lokhu kuhlanganisa ukuqoqa imininingwane enemininingwane ngeholo, izindleko, izimpahla nezikweletu ukuze siqonde ngokugcwele isimo samanje sezimali.

Omunye umthwalo wemfanelo obalulekile womeluleki wezezimali ukusiza amakhasimende ukwakha uhlelo lwezezimali okomuntu siqu. Lokhu kuhilela ukubeka imigomo yezimali ecacile nefinyelelekayo, njengokubekela imali yomhlalaphansi, ukuthenga umuzi, noma ukuxhasa imfundo yezingane.

Umeluleki wezezimali uzosebenzisana eduze neklayenti ukwakha isu elicabangela izidingo zalo, izithiyo kanye nezinga lokubekezelela ubungozi.

Uma uhlelo lwezezimali selusunguliwe, umeluleki wezezimali udlala indima ebalulekile ukuqaliswa kanye nokuqapha kwalolu hlelo. Basiza amaklayenti ukwenza izinqumo zokutshala izimali enolwazi, ecabangela izici ezifana nembuyiselo elindelekile, izinga lobungozi kanye ukuhlukahluka kwephothifoliyo.

Ukulawulwa kobungozi nakho kungumsebenzi obalulekile womeluleki wezezimali. Basiza uku bona izingozi ezingaba khona amaklayenti awo angase abhekane nawo, njengokuguquguquka kwezimakethe, izehlakalo ezingalindelekile noma izinkinga zempilo.

Ngokusekelwe kulokhu kuhlola ubungozi, umeluleki wezezimali angancoma amasu afanelekile okunciphisa lezi zingozi, njengokuthenga umshwalense wempilo, umshwalense wokukhubazeka, noma umshwalense wekhaya.

🥀LIzinkonzo eziyinhloko zefemu yokubonisana ngezezimali

Kuyacaca ukuthi umxhumanisi ngamunye unendlela yakhe yokusebenza. Nokho, ngethula kuwe izinsizakalo eziyinhloko ngokuvamile ezihlinzekwa amafemu abeluleka ngezezimali.

✔️ Ukuhlelwa kwezimali kwebhizinisi lakho

Okuvame kakhulu ukuhlela izimali. Kwenziwa izinhlelo ngenhloso yokuzuza impilo yezomnotho osekunesikhathi ilindelwe yenkampani. Lokhu kuhlelwa kubandakanya ukulawula izindleko, ukuhlaziya isabelomali kanye namasu achaziwe. Iwusizo kakhulu ekuqopheni imigomo yesikhathi esifushane, esimaphakathi neside.

✔️ Ukuphatha iphothifoliyo yakho yokutshala imali

Abeluleki bezezimali bathatha isibopho sokuphatha iphothifoliyo yokutshala imali yeklayenti. Kukhona osomabhizinisi abathanda ukubamba iqhaza mathupha ezinqumweni, kanti abanye bakhetha ukushiya lo msebenzi kumeluleki.

✔️ Ukuhlela intela

Emhlabeni wezezimali, cishe kuwo wonke umhlaba, kufanele ucabangele izintela nokuhlela intela. Nakuba kuthatha i-accountant ukwenza umsebenzi wentela ophumelelayo, umxhumanisi onolwazi lomthetho wentela uyinzuzo enkulu.

✔️ Ukuhlela izindlu

Kuhlanganisa ukuhleleka nokuqoqwa komcebo ovela endaweni ethengiswayo, futhi kuhlanganisa yonke into kusukela ekugcinweni kwayo kuya ekusatshalalisweni kwayo ekugcineni kubazuzi bendawo.

Umeluleki wezezimali onekhono unolwazi olunzulu lokuhlela izakhiwo. Angakwazi futhi ukudlulisela amakhasimende kubameli abaqeqeshiwe uma kunesidingo.

✔️ Ukuphathwa kokugeleza kwemali

Kuhle ukuphathwa kokugeleza kwemali kuwumgogodla wokuhlelwa kwezimali. Okusho ukuthi, imali kufanele ihlale isobala ukuze ukwazi ukufeza izibopho zakho usuku lonke.

Lokhu kwenzeka futhi emkhakheni ozimele lapho uhlaziya izinto ezifana nezindleko zokuphila, izindleko zomshado wakho, imfundo yezingane, ukuthengwa kwendlu, umhlalaphansi wakho, njll.

✔️ Umshwalense kanye nokunciphisa ingozi

Ukuhlelwa kwezimali akupheli ngaphandle kokucabangela nokucabangela izingozi esibhekana nazo ekuphileni, njengokufa ngaphambi kwesikhathi, ukukhubazeka, noma ukulahlekelwa impahla noma ezinye izimpahla ngokungalindelekile. Umxhumanisi wenza amasu okunciphisa ubungozi ngendlela yomuntu siqu.

🥀 Izimpawu Ibhizinisi Lakho Lidinga Umeluleki

Akudingekile ukuba nenani eliphakeme noma ungaqashi isevisi yabeluleki bezezimali.

Isinqumo sokuthola usizo lochwepheshe ngokuphatha imali yakho ngesomuntu siqu kakhulu. Kodwa noma nini lapho uzizwa ukhungathekile, udidekile, ucindezelekile, noma unovalo ngesimo sakho sezezimali, manje kungase kube isikhathi esifanelekile sokufuna umeluleki.

Kungakhathaleki izinga lesikhundla osiphethe, kuhlale kukuhle kakhulu ukuthola ukwesekwa kochwepheshe ukuze uqinisekise ukuthi usendleleni efanele futhi uzwe iziphakamiso zentuthuko engaba khona ohlelweni lwakho lokusebenza. Lokhu kuzokuvumela ukuthi ufeze izinjongo zakho ngempumelelo.

Ingabe unayo imali oyitshalile kodwa uhlale ulahlekelwa imali? Uma igrafu yezinombolo zakho ibheke phansi, umeluleki wakho wezezimali angakusiza embule izingqinamba futhi ulungise amaphutha ngaphambi kokuthi kuphuze kakhulu.

Awunaso isikhathi noma intshisekelo yokuphatha izimali zakho? Lesi esinye isizathu esihle sokuqasha umeluleki wezezimali. Finance de Demain uhlala onakho kuzo zonke izinhlobo zokubonisana.

🥀 Izinzuzo zeseluleko sezezimali

Ochwepheshe bokubonisana bavame ukusebenza nezinkampani ezimbalwa ngesikhathi esisodwa. Baxazulula izinkinga ezihlukahlukene zokuphatha zansuku zonke. Bangakulethela imibono eyahlukene ngokusekelwe kokuhlangenwe nakho kwabo.

Ngale ndlela, bangakwazi ukuhlonza izinkinga ezincane ngaphambi kokuba benze i-snowball. Bangaphinde bakulethele imibono emisha futhi ubhekane nezinselele okungenzeka ukuthi awukwazanga ukuzisingatha uwedwa ngenxa yokuzibophezela ngokweqile.

Esinye isizathu, futhi mhlawumbe evame kakhulu, kungani osomabhizinisi beqasha abeluleki ukufinyelela kusethi yamakhono iqembu langaphakathi elingenalo.

Ngokuqasha inkampani yokubonisana, ungaqasha iqembu lochwepheshe abanekhono ukwenza yonke into kusukela ekuhlaziyeni okulula kokungena nokuphuma kwemali kuya ekuxhaseni ngezimali izakhiwo zenhlangano.

Elinye iphuzu okufanele licatshangelwe lapho umphathi esebenza ngephrojekthi ephikisanayo. Ngalesi sikhathi, akulula ukuthatha izinyathelo ezifanele ngaphandle kokuhileleka ngokomzwelo. Ngalo mqondo, umeluleki unikeza umbono ongachemile ngokwanele ukubhekana nalesi simo.

🥀 Indlela yokuqasha umeluleki wezezimali

Uma usufike lapha, ungase uzibuze ungayiqasha kanjani isevisi yezeluleko ngezezimali. Ungaqala ngokubuza abangani bakho kanye nojwayelene nabo uma bebazi noma yibaphi ochwepheshe abanconyiwe.

Thatha ithuba lokwenza usesho ku-Google. Bheka iwebhusayithi yenkampani, funda izindatshana zabo ezishicilelwe futhi ubuyekeze izindaba zabo zempumelelo ukuze uzizwele isithunzi someluleki.

Uma ungabaza, xhumana nomlingani wakho ongase ube naye futhi ungangabazi ukubuza imibuzo uma kunesidingo, kuze kube yilapho usunolwazi oludingayo ukuze wenze isinqumo esifanele.

Uma ngemuva kwazo zonke lezi zinyathelo ungakakwazi ukuthola isisombululo senkinga yakho, xhumana Finance de Demain. Ithimba lethu lizokunikeza ngekhwalithi kanye nensizakalo eyenziwe ngokwezifiso. Ungakukhohlwa lokho ukwethembeka kuyisidingo esibalulekile kulo msebenzi.

🥀 Faka kabusha…

Iseluleko sezezimali senza iziphakamiso nokungenelela ngamasu asebenzayo angcono kakhulu okuthuthukisa izimali zakho. Lezi ziphakamiso zingabandakanya ukutshalwa kwezimali kunoma yiziphi izidingo zebhizinisi lakho, izinhloso kanye nemigomo. Ukuhlela kuhle kuphela uma kubalwa ubungozi.

Ngakho-ke qaphela izimpawu zokuthi udinga usizo. Uma, ngokwesibonelo, ucindezelekile noma wesaba isimo samanje, uma ulahlekelwa imali njalo noma ungenaso isikhathi sokuphatha izinombolo, sekuyisikhathi.

Abantu abaningi abazithathi izinyathelo ngoba bematasa kakhulu noma abazi ukuthi benzeni. Ukuqasha inkampani eyeluleka ngezezimali kusho ukuthi omunye umuntu uzonakekela amaphepha. Kuhle ukwazi ukuthi imali isetshenziswa kangcono, akunjalo?

Uma ufuna ukuphinda ulawule izimali zakho, nasi isixhumanisi esizokuvumela ukuthi uthenge umhlahlandlela wokugcina wokuphatha kahle izimali zakho. Sikhuthaze ngokuthenga lo mhlahlandlela.

Siyabonga ngokwethembeka kwakho