Kupanga nthawi yocheperako kuchokera ku malonda a FX, kodi titha kubwereranso moyenera kuchokera pafupifupi. Akaunti ya € 10K, kodi kukweza chiwopsezo chathu kungapereke kukula kwa akaunti yomwe tikufunikira kuti tigulitse nthawi yonse?
Nthawi ndi nthawi ndizofunika kudzikumbutsa tokha chifukwa chomwe tinabwerera ku ntchitoyi ndipo tikatero tidzakhulupirira kuti tidzasintha mphamvu zathu, cholinga chathu komanso zolinga zathu. Palibe chobisalira, kapena chowonjezera chilichonse chofunikira kuti tifotokoze chifukwa chomwe ambirife timagulitsira malonda ndipo tikufuna kutsatira njira yomwe idakhazikitsidwa kale, yomwe idakhazikitsidwa ndi ambiri omwe adatitsogolera. Timakonda kuwona chitukuko chathu m'magawo atatu ofunikira:
1. Timapeza makampani, mwina mwangozi, kapena mwina poyambitsa ndikuyamba kuyesa.
2. Timayamba kuwona ntchitoyo mozama ndikutenga njira zathu zoyambirira potsegulira akaunti yakugulitsa tikakhazikitsa njira yolimbirana yamalonda, mwina pachiwonetsero. Pakadali pano, gawo lathu loyamba kufotokoza komwe timayamba kudzifunsa mafunso ngati titha kukhala ndi moyo wanthawi zonse kuchokera ku kampaniyi.
3. Pokhala titachita bwino tsopano timatenga 'kulumpha chikhulupiriro' ndikudzipereka kuchita malonda nthawi zonse. Titha kuchita izi podziwa kuti tatenga zaka zambiri kuti tikonze njira zamalonda ndipo tili ndi chidaliro chonse pamaluso athu ndikumvetsetsa kwathu ndikuti tawona zambiri ngati sizamsika wamba Zochitika pazaka zapitazi, zatisiya tili ndi zida zankhondo komanso tachenjezedwa motsutsana ndi zochitika zazikulu zonse.
Koma funso lidakalipobe pankhani yokhudza ndalama zopezera ndalama komanso kwa ambiri chotchinga cholowera ndipo chopinga ichi kuti chikhale chopambana chitha kukhala chimodzi mwazovuta kwambiri kuthana nacho. Makamaka ngati tikuchita bwino pazokhumba zathu ndikuvomereza kuti kuyika 0.5% -1.0% pamalonda kuli kwakukulu kwambiri komwe kungabweretse mtundu wa kubwerera komwe takhala nako zaka zapitazo, pafupifupi 50-100% pachaka.
Chifukwa chake pomwe tasanthula momwe tidagwirira ntchito, mwina tilingalira njira zina zokulitsira likulu lathu kupitilira € 10K yathu, pamapeto pake timabwerera ku funso lomwe lakhala likutibvutitsa ndikutisowetsa mtendere kwakanthawi; "Kodi tiwonjezere chiopsezo mpaka 2-3% pamalonda onse kuti timalitse akauntiyo 'mwanjira' mpaka momwe tingaganizire zogulitsa nthawi zonse?" Ndipo chifukwa chiyani sitiyenera kulingalira izi? Kupatula apo, ngati tili ndi chidaliro cha 100% pamachitidwe athu ogulitsa, tawona msika ukuchita pafupifupi chilichonse chotheka pazaka zaposachedwa, tavutika ndikuzindikira kulekerera kwathu, ndiye bwanji tiziwopa mwachangu komanso mosaganizira zomwe zingayambitse chiopsezo chathu mulingo wokulirapo?
Tikuyamba pati kusintha malingaliro athu ndi malingaliro athu onse?
Poyambirira ndiyofunika kuganizira za kusokonekera, popeza njira zathu zosinthira ndalama zatsopano komanso chiwopsezo chathu chowonjezeka, zidzakhudza kwambiri kuwonongeka kwathu. Poyamba tinkakumana ndi chiwonongeko cha 3% pa chiopsezo cha 0.5% pa malonda, ngati tsopano taganiza zowonjezera chiwopsezo chathu kukhala 2%, ndiye kuti mwachilengedwe titha kukhala mpaka 12% ngati chiwonongeko. Tsopano izi zitha kukhala zodetsa nkhawa komanso zofooketsa kwa amalonda ambiri osagwiritsidwa ntchito mpaka kuwonongeka kwakukulu, chifukwa chake tiyenera kukhala okonzeka kwathunthu kuti izi zisakhudze malingaliro athu a kukhala ndi 'malonda' koyambirira. Pambuyo pake zosintha zina zonse zomwe tiyenera kusintha ziyenera kukhala zazing'ono.
Mwachidziwitso sitiyenera kusintha zina zilizonse zofunika pakupanga malonda athu kupatula kuwopsa ndi kasamalidwe ka ndalama ndipo mwa amayi athu atatu Ms ndiye lingaliro lokhalo lomwe lingakhale lomwe limayambitsa njira yamalonda yonse gawani mosasinthika ngati sitinakonzekeretse malingaliro kuthana ndi vutoli. Chifukwa chake tiyenera kusumika ndi kuyang'ana pazifukwa zomwe tikuchulukitsa chiopsezo chathu komanso zomwe tikufuna kufikira nthawi yayitali; Uwu ndi mwayi wathu wokhala ndi chizoloŵezi 'chokwanira'.
Komabe, pali njira yina yochepetsera chiopsezo chathu chonse ndikuwonongeka ndipo choyamba ndichoyenera kuwonetsa chiopsezo chathu ndikulumikiza nthawi. Chifukwa chake m'malo mongowonjezera chiwopsezo chathu ku 3% timachikulitsa munthawi yokwanira, mwina kupitilira miyezi isanu ndi umodzi ndikuchulukirapo pang'ono ndi 0.25% pamwezi.
Koma ndikofunikira kuti, mosasamala kanthu za magwiridwe antchito, titha kusintha zoopsa mwezi uliwonse popeza tikungodziwa za magawidwe osasinthika omwe makampani athu atha kutulutsa. Pofuna kuthana ndi zoopsa pochulukirapo tikhala tikudziyesa pang'ono pang'ono pang'onopang'ono, chifukwa chake tikhala tikudziteteza ku misika kapena misika yomwe ingatidodometse panthawiyi.
Mwanjira imeneyi titha kutenga chiopsezo pa € 10K yathu yoyambirira kuti tiwone ngati tingathe kuyipanga kuti ifike pafupi ndi € 30K kutipatsa ndalama ndi chidaliro chofunikira kuti tigulitse nthawi yonse. Ndipo ngati zikuyenda bwino ndiye ndani anganene kuti thambo silikhala malire, kuti sitikhala m'modzi mwa ochita malonda osowa kwambiri omwe angatengere akaunti yaying'ono pazinthu zazikulu?
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