Yonke ibhizinisi linenyanga ezinhle nezinzima.
Ungase uqede umsebenzi oqinile esizini eyodwa futhi ubhekene nezinsuku ezithulile kwesinye. Ikhasimende lingakhokha kancane. Izinto zingaphuka. Isitokwe singaphela ngesikhathi esingalungile. Ukuvalwa okwesikhashana noma inkinga yomhlinzeki ingaphazamisa imali engenayo.
Ireserves yosuku lwenkathi imali egcinwe eceleni ukusiza ibhizinisi liphile lezi zikhathi. Akuyona imali engasetshenziswa kalula. Ivikela ikhono lebhizinisi lokuqhubeka nokusebenza lapho imali engenayo icisha noma kufika izindleko ezibalulekile ngokungazelelwe.
Okungavikela ireserves
Ngaphandle kwereserves, inyanga embi ingaphoqa ibhizinisi ukuthi liboleke noma iphoqe umnikazi ukuthi asebenzise imali yakhe ukuze akhokhe izindleko zebhizinisi.
Ireserves ingasiza ngokuthi:
- izinyanga zokuthengisa ezinzima;
- izinkokhelo zamakhasimende ezilibazisekile;
- ukulungiswa okuphuthumayo kwezinto noma izimoto;
- ukuphela kwesitokwe okungayeka umsebenzi;
- ukuvalwa okwesikhashana;
- izinkinga zabahlinzeki;
- isikhathi esifushane lapho umnikazi engakwazi ukusebenza;
- ezinye izindleko zokusebenza ezingalindelekile.
Incazelo
Ireserves yosuku lwenkathi
Ireserves yosuku lwenkathi imali egcinwe ebhizinisini ezimeni eziphuthumayo nezikhathini ezinzima. Ihlukene nokuchitha kwansuku zonke futhi isetshenziswa kuphela lapho ibhizinisi lidinga ukuvikelwa, hhayi ukuze uthenge izinto ezijwayelekile.
Inyanga enamandla ilandelwa eyithulile
Uqhuba ibhizinisi elincane lokudla. UDisemba unamandla futhi ufakure R85 000 womsebenzi. UJanuwari uthulile, u-R12 000 kuphela kuma-oda aqinisekisiwe.
Isikhwama, imiholo nezinkokhelo zabahlinzeki zisabala R28 000 ngoJanuwari. Ngaphandle kwereserves, ungase udinge ukuboleka, ukulibazisa izinkokhelo zabahlinzeki noma ukusebenzisa imali yasekhaya ukuze uqhubeke nokusebenza.
Umphumela: Ireserves eyakhiwe ngoDisemba ingakhokha umehluko wangoJanuwari ngaphandle kokonakalisa ubudlelwano nabahlinzeki noma izimali zomuntu siqu.
Khetha umgomo oqondile wokuqala
Awudingi ireserves enkulu ngokushesha. Umkhuba ubaluleke kuqala.
Akukho umgomo owodwa ofanele wonke amabhizinisi. Indawo eqalisayo esebenzayo iwukukhokha izinyanga ezingu-1 kuya ku-3 zezindleko zebhizinisi ezibalulekile, isikhwama, imiholo, izinkokhelo zabahlinzeki ababalulekile nezindleko eziningi ezingakweqiwe.
Uma lokhu kuzwa kukhulu namuhla, qala ngokuncane:
- inani eliqondile njalo ngeviki, noma incane;
- iphesenti yemali engenayo emsebenzini ngamunye;
- imali egcinwe ezikhathini zokuthengisa ezinamandla;
- ingxenye yenzuzo emisebenzini emikhulu ngaphambi kokuyichitha kwenye indawo.
Ungasusa imali esivele idingekile emiholweni, entela, abahlinzeki noma ezinye izibopho. Uma ibhizinisi linemali mboleko enzima noma ingcindezi enkulu yemali, hlola uhlelo nomeluleki wezezimali oqeqeshiwe noma i-accountant.
Gcina ireserves ihlukene
Imali yereserves akufanele ihlale endaweni efanayo nokuchitha kwansuku zonke uma ungakwazi ukugwema.
Lapho imali egciniwe nemali yokusebenza zabelana i-akhawunti eyodwa, kube lula ukuchitha ireserves ngokungahleliwe. I-akhawunti yokonga ehlukile, i-sub-akhawunti emakwe kahle noma isikhwama sokonga sebhizinisi esizimele kwenza umehluko ubonakale.
Amabhange amaningi anikeza i-akhawunti yokonga yasimahla noma enenani eliphansi engasiza ukwehlukanisa ireserves nemali esetshenziselwa umsebenzi ojwayelekile webhizinisi. Indlela ayibaluleke ngokomkhuba: imali yereserves ihlala imali yereserves kuze kube yilapho kufika isidingo sangempela.
Thola ukuthi ireserves iyini: nokuthi ayiyona ini
Ireserves iyokuzinza kwebhizinisi. Ngaphambi kokuyakha, bhala izimo ezingenza kube nesidingo sokuyisebenzisa.
Ireserves ingasetshenziselwa:
- izindleko zokusebenza eziphuthumayo ngesikhathi sokushoda kwemali;
- ukulungiswa okubalulekile okungayeka imali engenayo;
- izinkokhelo zabahlinzeki lapho ikhasimende likhokha kancane;
- imiholo ngesikhathi esifushane esinzima;
- izindleko ezivikela ikhono lebhizinisi lokuthola imali.
Akufanele isetshenziselwe:
- ukuchitha komuntu siqu okungahleliwe;
- ukuthenga kwebhizinisi okungadingekile;
- isitokwe esijwayelekile esingakwazi ukubalwa ebajethini;
- izindleko okufanele umshwalense noma uhlelo olunye lukhokhe.
Yakha umkhuba wanyanga zonke
Ireserves ikhula ngeminye iminikelo encane ejwayelekile, hhayi idiphozithi enkodwa engase ingenzeke.
Njalo ngenyanga, noma njalo lapho uthola inkokhelo yomsebenzi, yenza ukuhlolwa okufushane:
Uma inyanga icindezele, faka inani elincane kunokuthi uyeke ngokuphelele. Umkhuba wokubeka okuthile eceleni ubaluleke kakhulu kunobukhulu bediphozithi eyodwa.
Ukwakha kusuka kuphesenti yomsebenzi ngamunye
Uqhuba isevisi yokulungisa ezihambayo. Ngemva komsebenzi oqediwe, ubeka u-5% wenkokohelo ngaphambi kokuzikhokhela.
Kumsebenzi we-R4 000, u-R200 uya ereserves. Eminye imisebenzi eyishumi ngenyanga, kuba u-R2 000, ngaphandle kokudinga inani enkulu elilodwa.
Umphumela: Ireserves ikhula ngokuzolile. Lapho kufika amavesi amabili azinzima, kukhona imali yokukhokha uphethiloli nezinkokhelo zomhlinzeki obalulekile.
Imphutha evamile
Ukuchitha yonke inyanga enhle sengathi izinyanga ezinzima ngeke zibuye.
Lapho ukuthengisa kunamandla, kuyathakazelisa ukuthuthukisa izinto, ukuthatha izindleko ezengeziwe noma ukukhipha imali enkulu ebhizinisini. Akukho okungalungile ngokwabo, kodwa uma ireserves ingakhiwa, isikhathi esinzima esilandelayo singafika ngaphandle kwesivikelo.
Isinyathelo sakho esilandelayo
Bhala izindleko zebhizinisi ezibalulekile zanyanga zonke, isikhwama, imiholo, abahlinzeki ababalulekile nezindleko ongakweqi. Khetha umgomo wokuqala wereserves (ngisho nenani yeviki eyodwa yezo zindleko kuyisiqalo). Setha umnikelo ojwayelekile bese ubhala izimo eziphuthumayo ezingenza kube nesidingo sokusebenzisa le mali.
Qhubeka ufunda
Isihloko esilandelayo sikusiza ukulungela isikhathi lapho ukugula, ukulimala noma esinye isimo esiphuthumayo kusho ukuthi ungakwazi ukusebenza.
Ireserves ivikela imali. Uhlelo lokuqhubeka nokusebenza luvikela umsebenzi, amakhasimende nezinqumo ezigcina ibhizinisi liqhuba.
Okungalanda
Isihleli sereserves yosuku lwenkathi