Ukwenza isikhathi esithile siphila ngokuhweba kwe-FX, singakwazi ukwenza inzuzo efanelekile kusuka ku-approx. I-akhawunti engu- € 10K, ingabe ukukhulisa ubungozi bethu kungaletha usayizi we-akhawunti esiyidingayo ukuhweba ngokugcwele?
Ngezikhathi ezithile kuyafaneleka ukuba sizikhumbuze ukuthi kungani size kulo mkhakha futhi ngokwenza kanjalo ngethemba lokuthi sizochaza kabusha amandla ethu, inhloso yethu kanye nezinjongo zethu zomuntu siqu. Akukho ukufihla, noma noma yikuphi ubuciko obungeziwe obudingekayo ukuze sichaze ukuthi kungani iningi lethu lingena ekuhwebeni okudayisa futhi sifuna ukulandela indlela enqunywe kusengaphambili, ebekwe abaningi abeza phambi kwethu. Sivame ukubona ngeso lengqondo intuthuko yethu ngezigaba ezintathu ezibalulekile:
1. Sithola imboni, mhlawumbe ngengozi, noma cishe ngokwethula bese siqala ukuzama.
2. Siqala ukuthatha imboni ngokungathi sína futhi sithathe izinyathelo zethu zokuqala zokuzama ngokuvula i-akhawunti yokuhweba bukhoma ngemva kokwenza isu elisebenzayo neliqinile lokuhweba lilonke, mhlawumbe kwidemo. Kungalesi sigaba, isingeniso sethu sokuqala lapho siqala khona ukuzibuza imibuzo yokuthi singakwazi yini ukuthuthukisa umsebenzi wesikhathi esigcwele kulo mkhakha.
3. Njengoba sesijabulele impumelelo manje sesithatha lokho ‘kweqa lokholo’ futhi sizibophezele ekuhwebeni isikhathi esigcwele. Lokhu singakwenza ngolwazi olugcwele ukuthi sesithathe iminyaka ukuthuthukisa isu lethu lokuhweba futhi siqiniseka 100% ngamakhono ethu kanye nokuqonda kwethu okuphelele kanye neqiniso lokuthi sibone abaningi uma kungezona zonke izimakethe ezijwayelekile. izehlakalo phakathi neminyaka edlule, kusishiye sihlomile futhi sixwayiswe ngaphambili ngokumelene nazo zonke izenzakalo ezinkulu.
Kodwa umbuzo usasele mayelana nodaba lwemali kanye neningi lesithiyo sokungena futhi ngempela lo mgoqo oholela empumelelweni eqhubekayo ungaba omunye onzima kakhulu ukuwunqoba. Ikakhulukazi uma sibhekana namaqiniso ezifisweni zethu futhi samukela ukuthi ukubeka engcupheni u-0.5% -1.0% ngokuhweba ngakunye cishe kuzoholela ohlotsheni lwembuyiselo esiyijabulele eminyakeni edlule, cishe u-50-100% ngonyaka.
Ngakho-ke lapho sesihlaziye ukusebenza kwethu kwangaphambilini, mhlawumbe sicabange ezinye izindlela zokwandisa imali yethu engaphezu kuka-€10K wethu, ekugcineni sibuyela embuzweni obulokhu usihlupha futhi usihlupha isikhathi eside; "Ingabe kufanele sinyuse ubungozi bufike ku-2-3% ngokuhweba ngakunye ukuze sikhulise i-akhawunti 'ngokuphilayo' ifike ezingeni lapho singacabangela ukuhweba isikhathi esigcwele?" Futhi kungani akufanele sikucabange lokhu? Phela uma sithembele ngo-100% esu lethu lokuhweba, sibone imakethe iziphatha cishe ngayo yonke indlela eminyakeni yamuva nje, siye sahlupheka futhi sazi ukubekezelelana kwethu, kungani-ke kufanele sesabe ngokushesha futhi mhlawumbe ngokungenangqondo ukukhuphula ingozi yethu izinga elikhulu?
Siqala kuphi ukushintsha uhlelo lwethu lokuhweba kanye nesu lethu jikelele?
Okokuqala nje kufanelekile ukugxila endabeni yokudonsela phansi, njengoba indlela yethu yokuphatha imali esanda kubuyekezwa kanye nengozi yethu eyandayo, kuzoba nomthelela omkhulu ekudonseni kwethu phansi. Ngabe ngaphambilini besike sabhekana nokudonswa phansi okungu-3% ku-0.5% engcupheni yohwebo ngalunye, uma manje sinquma ukukhulisa ubungozi bethu bube ngu-2%, ngokwemvelo singase sibe nokuhlangenwe nakho okufika ku-12% njengokudonsela phansi. Manje lokhu kungase kuphathe kabi futhi kuthuntubeze abadayisi abaningi abangasetshenzisiwe emazingeni aphezulu kangaka okudonsela phansi, ngakho-ke kufanele sikulungele ngokugcwele ukuthi lokhu kungaphazamisi umuzwa wethu ‘wenhlalakahle’ yomhwebi ekuqaleni. Ngemuva kwalokho ezinye izinguquko okufanele sizenze kufanele zibe zincane uma kuqhathaniswa.
Ngokombono asikho isidingo sokuthi siguqule noma yiziphi ezinye izithako ezibalulekile zohlelo lwethu lokuhweba ngaphandle kobungozi kanye nokuphathwa kwemali futhi ngokoNks bethu abathathu empeleni kuwumqondo ongase ube yimbangela edala isu lonke lokuhweba ukuthi siphuke ngokungenakulungiseka uma singakulungele ngokwengqondo ukuphonselwa inselelo. Ngakho-ke kufanele sigxilise ingqondo futhi sigxile esizathwini sokuthi kungani sandisa ubungozi bethu nokuthi yiziphi izinjongo zesikhathi esimaphakathi nezide; leli yithuba lethu lokuba sitsheke ‘ekuhambeni ngokugcwele’.
Kodwa-ke, kusekhona indlela yethu yokulawula ubungozi kanye namazinga okwehlisa izinga lethu futhi leyo eyokuqala silinganise ubungozi bethu futhi sinamathisele isikali sesikhathi. Ngakho esikhundleni sokwenyusa ngokushesha ubungozi bethu bufike ku-3% sibukala phakathi nesikhathi esimisiwe, mhlawumbe ngaphezu kwezinyanga eziyisithupha ngokunyuka okuncane okungu-0.25% ngenyanga.
Kodwa kubalulekile ukuthi, kungakhathaliseki ukusebenza, sishintsha ubungozi nyanga zonke njengoba sazi kakhulu ngokusatshalaliswa okungahleliwe okungenzeka imboni yethu esekelwe emathubeni engaba nayo. Ekulawuleni ubungozi ngokukhuphuka okuncane sizobe sizilungisa ngokwengqondo kancane nangokucophelela phakathi naleso sikhathi, ngakho-ke sizobe sizivikela kunoma yikuphi ukunyuka kwezimakethe noma ukuphambuka okungase kusimangaze phakathi naleso sikhathi.
Ngale ndlela singabeka engcupheni ku-€10K yethu yokuqala ukuze sibone ukuthi singayakha yini ibe yinani elisondele ku-€30K ukuze sisinike isisekelo semali nokuzethemba okudingekayo ukuze sihwebe isikhathi esigcwele. Futhi uma kuphumelela-ke ubani ongasho ukuthi isibhakabhaka ngeke sibe umkhawulo, ukuthi ngeke sibe ngomunye walabo bathengisi abangavamile abaphumelele kakhulu abangakwazi ukuthatha i-akhawunti encane ezintweni ezinkulu?
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