Abathengi abalahlekileyo bamele indawo enkulu yamathuba.Abathengi bangaphambili bayayiqonda imveliso yakho, kunye nendlela esebenza ngayo.Ngaphezu koko, badla ngokushiya ngenxa yezizathu ezilungiswa ngokulula.

Kutheni abathengi behamba?

Ukuba uyazi ukuba kutheni abathengi behamba, kulula kakhulu ukubabuyisela.Nazi izizathu eziphezulu zokuba kutheni abathengi banokuyeka ukwenza ishishini nawe:

• Baye baqhathwa ngumntu okhuphisana naye othembisa ngamaxabiso angcono, inkonzo engcono okanye enye inzuzo.
• Umbutho wabo utshintshile, kwaye ulawulo olutsha aluqapheli amandla eenkonzo zakho okanye iimveliso ngenxa yokuba olu lwazi aluzange ludluliselwe kubo ngabanduleli babo.
• Wena okanye inkampani yakho nisilele ukunikezela njengoko bekuthembisile.
• Wena okanye inkampani yakho nivumele ukuthembana okanye intlonipho konakala kubudlelwane.

Isizathu esifihlakeleyo

Kusenokubakho isizathu esifihlakeleyo, esifana nokuba umthengi unesalamane kwishishini asebenzisana naso ngoku, ulahlekelwe ligunya lokuthenga, okanye ushiya umbutho wabo ukuya kwesinye isikhundla.

Uphando lwakutsha nje lwabo babefudula bengabathengi yinkampani iFortune 1000 lubonise ukuba malunga nomntu omnye kwabathathu wathi baya kubuyela kwinkampani abayiphosileyo ukuba basondele.Ngokucacileyo, abathengisi abaphulukene neeakhawunti abazange babuze ishishini labo kwakhona.

Amanyathelo amathathu ukuya kwiprogram yokuphumelela

Inkqubo elungileyo yokubuyisela umva ibandakanya umzamo wamanyathelo amathathu:

1. Fumanisa ukuba kutheni umthengi wayeka ukuthenga.Khangela iirekhodi zemikhondo kwaye emva koko ufowunele umthengi kwaye ubuze ukuba kwenzeke ntoni na.Zama ukuhlanganisa umnikelo okhethekileyo othetha ukuba kutheni ulahlekelwe yiakhawunti kwasekuqaleni.
2. Phanda ngemeko yangoku yomthengi.Ishishini lomthengi lisenokuba litshintshile.Ukuba uyakuqonda okwenzekileyo, unokwenza unikezelo olungcono oluya kuthatha ithuba lolo tshintsho.
3. Yenza umfowunelwa.Fowunela umthengi wangaphambili kwaye umazise ukuba ufuna ukubuyisela ishishini labo.

Amathuba kukuba awuyi kufumana idinga kwangoko.Kodwa uya kutyala imbewu.Kwaye oko kuya kunika umthengi wangaphambili enye indlela xa athe wafumana iingxaki nomthengisi wakhe wangoku.

Abanye abathengisi abaphulukene nomthengi bahlangabezana neemvakalelo ezahlukeneyo: ukugxeka omnye umntu, ukuba nomsindo okanye ukubaleka nokuzifihla.Abathengisi abaphumeleleyo bayayiqonda i-ebb kunye nokuhamba kweshishini kunye nobudlelwane.

Nazi iingcebiso ezimbalwa onokuzisebenzisa xa ulahlekelwe ngumthengi:

• Fumana ukuba yintoni okhuphisana nayo eyenze ngcono kunawe ukuze ufumane ishishini.
• Musa ukucinga ukuba yayilixabiso, nokuba yiloo nto uyixelelwayo.
• Musa ukuyivumela ukuba ichaphazele isimo sakho sengqondo.Qhubeka kuyo.
• Musa ukucima abathengi bangaphambili kwi-database yakho.Sebenza ezinye zazo kucwangciso lwakho lweveki.
• Qhubeka ukuthumela ubungqina kunye namanqaku aluncedo kubathengi bakho bangaphambili.
• Yiba neqhinga elithile lokujongana neshishini elilahlekileyo.

Khumbula ukuba ukuhlala unegunya phezu kwexesha elide kunenzuzo kakhulu kunempumelelo ekhawulezayo, yexesha elifutshane.

Ukwakha ukunyaniseka kwabathengi

Ukwakha ukunyaniseka kuthetha ukugxila kwiimfuno zabathengi kunokuba ubathengisele ukunceda ukusombulula iingxaki zabo.Kuthetha ukuhambisa ugxininiso lomthengisi kwimveliso okanye inkonzo enikezelwa kwiimfuno zomthengi.

Zama ukuphumeza la manyathelo ngokukhawuleza wakuba uvale isivumelwano:

1. Nxibelelana rhoqo.Ukuhlala unxibelelana nabathengi kubenza bazi ukuba ucinga ngabo kwaye ungabathathi lula.Thumela ulwazi oluluncedo kubo rhoqo, kungekhona nje izixhobo zentengiso.Abathengi bathanda ukwazi into oyicingayo, hayi nje into oyithengisayo.Zama ukubabonisa ukuba uyabakhathalela, kwaye ubonise ukuba uyavuya xa umthengi esenza ishishini nawe.
2. Yenza izithembiso ezisengqiqweni.Kuyahenda ukuthengisa, ngakumbi xa kukho ukhuphiswano olunzima olubandakanyekayo.Isithembiso esingagcinwanga sesinye sezizathu eziphambili zokuba kutheni iiakhawunti zilahlekile.Kungcono ukuba nengqiqo kunokwenza izithembiso ongenakukwazi ukuzigcina.
3. Phendula ngokukhawuleza imibuzo okanye izikhalazo zabathengi.Impendulo ekhawulezileyo ixelela umthengi ukuba uyamkhathalela;olibazisekileyo uzisa umyalezo ongalunganga.
4. Yiba kumgca wokudubula kwaye ulungele ukujongana nabathengi abanomsindo xa izinto zingahambi kakuhle.Abathengisi badla ngokuba ngabokuqala ukunxibelelana nomthengi onganelisekanga okanye bazi ngemeko enokubangela ukungoneliseki.Jonga izikhalazo njengamathuba, ekubeni ukuzisombulula ekwanelisekeni kwabathengi kuyaziwa ukwakha ukunyaniseka kwabathengi.
5. Qinisekisa umgangatho.Ukufumana ingxelo kunye nokulandela ukuqinisekisa ukuba imveliso okanye inkonzo ihanjiswe ngokwanelisa umthengi kunokuba neentlawulo ezinkulu malunga nokukhuthaza ukunyaniseka kwabathengi.
6. Ukulungelelanisa umsebenzi nabanye kwinkampani ukuze kuhlangatyezwane neemfuno zomthengi.Gcina imozulu entle, enemveliso, ejolise kubathengi apho iimfuno zabathengi zinikwa ingqwalaselo ephambili.
7. Ukubonelela ngolandelelo lweqhinga lokuqinisekisa ukuba i-akhawunti ihlala inethemba.Ishishini eliqhubekayo, eliphinda-phindayo nelithumelayo livela kubathengi abonelisekileyo.Hlala unxibelelana nomthengi emva kokuba intengiso yenziwe kwaye uqinisekise ukuba oko kuvunyelwene kuya kwenziwa.Bonisa ukuba unenkxalabo yokwenene ngentlalontle yomthengi.Ceba kwangaphambili ukusombulula iingxaki zabo ngendlela exabisekileyo kubo.

Ezi zixhobo zokwandisa ukunyaniseka kwabathengi ziluncedo kumntu ngamnye, kodwa kunokuthatha inani lazo ngaxeshanye ukuba libe nempembelelo ebalulekileyo.Inqaku elibalulekileyo ekufuneka likhunjulwe kukuba ukuba awuthathi manyathelo okubamba ukunyaniseka komthengi, umntu okhuphisana naye uya kwenza njalo.

Udliwano-ndlebe nabathengi abathembekileyo

Udliwano-ndlebe nabathengi abathembekileyo kubaluleke kakhulu, kuba bahlala becaca malunga nokuba kutheni ugcina ishishini labo.Bahlala bekulungele ukukuxelela into abayicingayo ngawe njengengcali yokuthengisa, iimveliso kunye neenkonzo zenkampani yakho, kunye nokhuphiswano lwakho.Basenokunikezela ngengxelo kuyo nayiphi na indawo apho unokuphucula ukuthengisa kwakho.

Ithatyathwe kwi-Intanethi