Iblogi ye-Wayfen · 9 Okthoba 2026 · Ibuyekeziwe 15 Okthoba 2026

Ukuqhathanisa isabelomali sokuthengisa nokusebenza: indlela elula yenyanga ngenyanga yamaqembu asendaweni

Isabelomali siwusizo kuphela uma sibheka ngesikhathi esisacile sokwenza okuthile. Amaqembu amaningi asetha isabelomali sokuthengisa ekuqaleni konyaka, bese eliqhathanisa nezimo zangempela kuphela lapho unyaka usuphelile. Ukuqhathanisa isabelomali sokuthengisa nezenzeko zangempela njalo nyanga ngohlelo olufushane kuguqula isabelomali sibe yisibambi sokuqondisa, hhayi umbhalo nje.

Isabelomali sokuthengisa kufanele sihlanganise ini

Yenza kube lula ukuze wonke amalungu eqembu awuqonde. Kumaqembu amaningi asendaweni lokho kusho imigca emine:

Imali engenayo ngenyanga, futhi uma kungenzeka, ngomsebenzi wompetha basendaweni noma ngesifunda.
Izindleko eziqondile zokuthengisa: uphethiloli nokuhamba, amasampula, ikhomishini nokukhangisa.
Imali eqoqiwe, uma uthengisa ngesikweletu. Imikhiqizo ethengiswe engakaqoqwa imali ayikabi yimali ngokoqobo.
Amakhasimende amasha olindele ukuwathola, ngoba ukukhula kuvame ukuncika kuwo.

Yakhe kusukela phansi kuya phezulu

Esikhundleni sokwengeza iphesenti eliphezu konyaka odlule, qala ngalokho iqembu elingakwenza ngempela: inani labasebenzi basendaweni, izindawo ezivakashelwa ngosuku ngalunye ezingokoqobo, ukuthi kangakanani ukuvakasha kuguqukela ku-oda, nobukhulu bejwayelekile be-oda. Bese uqhathanisa leyo nombhalo ophansi nalokho ibhizinisi elikudingayo. Uma kukhona umehluko, uzoyazi kusenesikhathi ukuthi kufanele uqashe, uguqule izindawo noma ugxile emakhasimendeni amakhulu.

Ukuhlola isabelomali nezenzeko ngenyanga

Ngesonto lokuqala lenyanga ngayinye, qhathanisa isabelomali senyanga edlule nalokho okwenzeke ngempela, umugqa ngomugqa. Bheka izinombolo ezintathu ngomugqa ngamunye:

Ezenzekile kuqhathaniswe nesabelomali, ngemali.
Umehluko ngephesenti, ukuze umugqa omncane nomkhulu aqhathaniswe ngokulinganayo.
Kusukela ekuqaleni konyaka, ngoba inyanga eyodwa ebuthakathaka ibaluleke kancane kunesimo esiqhubekayo.

Umthetho olula wesilinganiso: noma yini engaphezu kwamaphesenti angaba ishumi kusabelomali ifanele incazelo yomugqa owodwa. Noma yini engaphansi kwesabelomali izinyanga ezintathu ngokulandelana ifanele isinqumo.

Guqula umehluko ube yizinyathelo

Imali engenayo ingemva kwesabelomali: hlola kuqala ukuvakasha. Ingabe kwavakashelwa kancane, noma ukuvakasha kuguqukele ku-oda kancane? Isixazululo siyahluka kokubili.
Izindleko zingaphezu kwesabelomali: bheka uphethiloli, ukuhamba namasampula ngokuthengisa ngakunye, hhayi ngokuphelele kuphela. Indlela ebiza kakhulu kodwa ethengisa kakhulu ingase ibe ngcono.
Imali eqoqiwe ingemva: dweba uhlu lwama-akhawunti asephuzile ngompetha basendaweni bese nivumelana ukuthi ubani uzovakashela bani kulesi sonto.
Ngaphambili kwesabelomali: thola ukuthi kungani kwenzeka kanjalo bese uyaphinda. Izimangaliso ezinhle zifundisa njengezimbi.

Isibonelo sokuqhathanisa isabelomali nezenzeko

Izinombolo ezilandelayo zicebile ukukhombisa indlela kuphela. Cabanga ngeqembu elinesabelomali sokuthengisa esingu-$50,000 ngenyanga kanye nesabelomali sezindleko zokuthengisa esingu-$6,000.

Imali engenayo: isabelomali $50,000, okwenzeke $44,500. Umehluko: $5,500 ngemva, noma angu-11% ngaphansi kwesabelomali.
Izindleko zokuthengisa: isabelomali $6,000, okwenzeke $6,300. Umehluko: $300 ngaphezulu, noma angu-5% ngaphezu kwesabelomali.
Imali eqoqiwe: isabelomali $46,000, okwenzeke $47,200. Umehluko: $1,200 phambili, noma angu-3% ngaphezu kwesabelomali.

Uma sisebenzisa umthetho wamaphesenti ayishumi, imali engenayo kuphela iyadinga incazelo kule nyanga. Iqembu liqala ngokuhlola ukuvakasha bese lithola ukuthi abasebenzi ababili basendaweni bebephumile isonto lonke nemizila yabo ayizange imbulelwe. Lokho kukhomba isixazululo sokuhlela (ukumboza imizila lapho kukhona ukuphumula), hhayi inkinga yamakhono okuthengisa. Izindleko zikhulile kancane, kodwa ngamaphesenti angu-5 kuphela, ngakho zigadwa kunokuthathwa isinyathelo.

Isabelomali, isibikezelo nenjongo: umehluko ungani?

Lawa magama amathathu avame ukudidiyelwa, okudala ukudideka ekubuyekezweni:

Isabelomali: uhlelo olwavunywa ekuqaleni konyaka. Ngokuvamile lihlala linzima ukuze uphinde ulilinganise.
Isibikezelo: isilinganiso sakho esihle kakhulu samanje sokuthi inyanga noma unyaka uzophela kanjani, esilungiswa njengoba imiphumela iza.
Injongo: inani umphathi wabasebenzi basendaweni noma isifunda acelwa ukuthi alifinyelele, engase isethwe kancane ngaphezu kwesabelomali ukuze kube nendawo yokuwela izinkinga.

Ekubuyekezweni kwenyanga, qhathanisa ezenzekile nesabelomali ukuze ukalise ukusebenza, bese ubuyekeza isibikezelo ukuze uhlele okuzolandela.

Amaphutha ajwayelekile okuhlela isabelomali sokuthengisa

Ukuhlukanisa unyaka ibe izinyanga eziyishumi nambili ezilinganayo. Amabhizinisi amaningi aneziqhingi ezinkulu nezincane. Sabalalisa isabelomali ngendlela imali eyeza ngayo ngempela.
Ukungayinaki imali eqoqiwe. Ukuthengisa ngesikweletu akuyona imali uze ukhokhwe. Hlela imali eqoqiwe njengomugqa ohlukile.
Ukushintsha isabelomali njalo nyanga. Buyekeza isibikezelo esikhundleni salokho, ukuze usalokhu unomugqa osiqinisekile okufanele uqhathaniswe nawo.
Ukubuyekeza izamba kuphela. Isamba esiphilile singafihla isifunda esisodwa esisemuva kakhulu nesinye esiphambili kakhulu.

Yabelana nakho neqembu

Abasebenzi basendaweni abadingi isabelomali esiphelele, kodwa kufanele babone injongo yabo nokuthi bayiqhuba kanjani njalo ngosuku, hhayi ekupheleni kwenyanga kuphela. Uma abantu bebona inani, bavame ukuziqondisa ngokwabo kulo.

Gcina izincwadi nensimu ezindaweni ezifanayo emfanekisweni owodwa

Izabelomali zivame ukuhlanganyela kabi uma izinombolo zokuthengisa zihlala endaweni eyodwa, izindleko kwenye, nohlelo lwezezimali kwenye indawo. Okuningi ongakubona ndawonye, lapho uzosheshe ukusebenza.

Indlela iWayfen esiza ngayo

I-Wayfen ikhombisa isabelomali nezenzeko zemali engenayo nezindleko, ezakhiwe ngalokho abasebenzi basendaweni abakufaka ngosuku, futhi ingalethe izinombolo ezivela ku-Xero noma ku-QuickBooks. Ngamunye umsebenzi wasendaweni ubona injongo yakhe nenqubekela-phambili yakhe, nabaphathi bathola umbiko wenyanga nge-PDF nge-Excel onemehluko esevele isiphuthumile, ukuze ukuhlola kwenyanga kuthathe imizuzu kunemini yonke.

Imibuzo evame ukubuzwa

Yini ukuhlaziya kwesabelomali nezenzeko ekuthengisweni?

Ukuqhathaniswa okuvamile kwalokho obuhlele ukuthengisa nokukuchitha nalokho okwenzeke ngempela, umugqa ngomugqa, ukuze uchaze umehluko bese uphendula ngesikhathi esisacile.

Kufanele ukuqhathanise kangaki isabelomali sokuthengisa nezenzeko?

Okungenani kanye ngenyanga, ngesonto lokuqala ngemva kokuphela kwenyanga. Amaqembu amaningi aphinde ahlole inqubekela-phambili njalo ngesonto ukuze kungabikho okumangazayo.

Umehluko wesabelomali owamukelekayo ungani?

Amaqembu amaningi asebenzisa cishe amaphesenti ayishumi njengendawo lapho umehluko udinga incazelo, kanti izinyanga ezintathu ngokulandelana ngaphansi kwesabelomali njengendawo lapho kudingeka isinqumo. Khetha izinga elifanele ibhizinisi lakho.

Umehluko phakathi kwesabelomali sokuthengisa nesibikezelo sokuthengisa ungani?

Isabelomali yuhlelo olusetshenzisiwe oluvunywe ekuqaleni kwesikhathi. Isibikezelo yisilinganiso sakho sakamuva somphumela, esilungiswa njengoba imiphumela iza.

Zama i-Wayfen mahhala izinsuku ezingu-14 nabantu abangu-5 kuze kube yilapho. Akudingeki ikhadi.

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