Chengetedza Mari Yenyu Nehuwandu hweBhizimisi Rinobudirira Rinobudirira
Makambani ekutanga-up anowanzozviwana asina kukwana kwemari kubva pacho.
Mabhizinesi aripo anogona kuwana nzira dzokurarama kana vakwanisa kuwana nzira dzekuita mari. Cash ndicho chinhu chakakosha zvikuru chekupona kwebhizimisi duku. Mabhizimisi maduku anowanzotaura kuti kukundikana kudzora mari ndiro dambudziko ravo guru.
Kungofanana nemunhu kana mhuri, makambani anoda chikwereti chemari kuti avimbe. Izvi zvinovapa kuchengeteka munguva dzisina kugadzikana. Izvi zvinovapawo mukana wekushandisa mazano ekutsvaga masimba kana kushandisa mikana yekuderedza mari. Mabhizimisi maduku anofanirwawo kutarisa pamusoro wekusununguka kwemari kusununguka kuitira kuti aone kuti mari yakasungwa.
Duncan Connor, anotaura nezvekuti makambani akashandisa sei mari yavo yekuyerera kuti varambe vachibudirira munguva ya2008-2009 kudarika kwematambudziko , "Ndiyo nyaya yakajeka yokutarisira kuti yakawanda yakawanda sei kana kuti kunze kwebhizimisi rako uye nguva.Amabhizimisi akabudirira akakwanisa kubhadhara mari , kuwedzerwa margins, uye vakavaka vatengi vavo. "
"Chimwe chezvinhu zvekutanga izvo mabhizimisi akabudirira akaita munguva yekuderera kwaiva kutarisa kubhadhara kwavo uyezve kudzokorora mazwi kune chimwe chinhu icho, kunyange zvingasvika makore akawanda uye pakupedzisira zvakanyanya kudhura, zvine mari shoma ikozvino.Hungu, kuwedzera mimwe chikwereti zvichida chinhu chakaipa kumabhizinesi akawanda, asi kana kugadzirisa chikwereti chiriko kuchikubvumira kuti ugare mune bhizinesi, kune chikonzero chakasimba chekuita. "
"Dzimwe mabhizimisi akataurirana kwenguva yakareba yekuita mari kune vanotengesa, asi panguva imwe chete ichida kuti mari inobva kune vatengi."
Imwe nzira iyo mabhizimisi ekugara mune zvekugadzirisa mararamiro akachengetedza kukwira kwemari kwaiva kutarisira kuti mari yakawanda yaive ichiendeswa chero nguva ipi zvayo - kuverenga kunodhura mari, uye kuunganidza kunogara paimba yako yekutengesera kwemavhiki kune mukana wekutora unogona kuparadza bhizinesi rako. "
Izvo zvishoma zvinoda kubhadhara mari nguva dzose zviri muvanhu, asi sezvo mirairo yakaderedzwa, mabhizimisi akawanda ekutengesa akaisa vashandi, akaisa rusununguko kana kucheka kubhadhara uye kubatsira, kuderedzwa kwekutsvaga mari yekubhadhara nekudzidzira. "
Connor anopedzisa achiti, "Kune rumwe rutivi rwezvinhu, kuita mari kuerera mukati, pakanga pane maitiro mashomanana, zvakare."
"Kutora zvinyorwa zvinogamuchirwa zvinyorwa zvakaonekwa pamharapara yevashandi vashoma vebhizimisi mumakore maviri apfuura, asi zvinonyanya kukosha ndezvokuti iwe unotengesa invoice yako pakati pevatatu ne10 kubva muzana pasi peyero yevoti . Zvino iwe uri kubvunza kuti nei bhizimusi ripi neripi Ita izvozvo.Iyo mhinduro ndeyekuti mabhizinesi akawanda, 90 muzana yeyo invoice ikozvino iri nani kupfuura 100 muzana ye invoice mumazuva makumi mapfumbamwe.Iyo ndeyo kana mutengi achibhadhara zvakakwana.Ukuita kuti mabhizinesi abvumire mabhizimusi kuwana zvese mavokisi avo akabhadharwa ne wechitatu uye uise pfungwa pakuita bhizimisi uye kuunza mitsva panzvimbo yekutsvaga kubhadhara.
Munhu wechitatu anotengesa mutengi kubhadhara. "
"Vakawanda vasiri varairi uye vashandi vanogadzirisa mari iyo vatengi vaibhadhara, uye munguva dzakawanda, varidzi vakatsvaga mari yavo yakawanda mune bhizinesi kuti varambe vachishanda, asi vamwe vakatamisa bhizinesi ravo kune dzimwe nzvimbo dzakasiyana kana dzinobatsira ."
Cash uye Kubhadhara
Mari inoyerera uye purogiramu haisi yakafanana. Nhoroondo yezvemari haisi kunyanya kujeka mumari . Inotarisa pamutengo wemari kana purofiti. Pamusoro penguva yakareba, purogiramu uye mari inoyerera inenge yakafanana, asi kusiyana kwakakosha nguva.
Nguva inogona kuva yakakosha kune bhizinesi duku . Somuenzaniso, paunotengesa kune chikwereti mutengi, unoziva kuti kutengesa pakarepo pamashoko ako ekuwana. Izvozvo zvinonzi accrual accounting . Zvisinei, hauna kuwana mari pakarepo.
Pane bhajeti yemari yako uye chirevo chako chemari inoyerera , hauratidzi kuti kutengesa chikwereti kusvikira iwe uchiwana kubhadhara.
Iwe unogona kuona kuti kupesana pakati pebatsiro nekushamba kwemari kungave kwakakura sei. Kana iwe ukakurumidza kukura mukutengesa chikwereti, somuenzaniso, purogiramu inogona kure kure kupfuura mari chaiye yakagamuchirwa. Iyi mamiriro ezvinhu anoita kuti makambani mashomanana awedzere kushaya mari.
Chii chinonzi Liquidity?
Iwe unowanzonzwa shoko rinoshandiswa rinoshandiswa pamwe chete nekugadzirisa mari. Kudyidzana uku kukwanisa kukwanisa kubhadhara chikwereti chekanguva chechikwereti. Mune mamwe mazwi, kana iyo firimu ine mari yakakwana, inogona kubhadhara mitero yazvino yakadai sekubhadhara mari . Kazhinji, nheyo dzinobhadharwa zvikwereti iwe une chikwereti kune vapepi.
Pane nzira dzaungashandisa kuti uone kutengesa kwako. Mari yehuwandu hwekuongorora huchakubatsira kuona kuti mvura yako yakasimba sei kana kuti ichabudirira sei mukusangana nemari yadzo yechikwereti kwenguva pfupi. Chikamu chezvino chinokubatsira kuti uone kuenzanisa kwezvinhu zvako zviripo kune zvikwereti zvako zvemazuva ano. Ikozvino mari inosanganisira mari, mari inogamuchirwa, kuverenga, uye dzimwe nguva zvimwe zvinhu zvakadai sematengesi ekutengesa. Iwe unofanirwa kuva nezvinhu zvakawanda zvemazuva ano pane zvimhosva zvemazuva ako pane bhadha rako panguva dzose.
Chikamu chinokurumidza chichakubvumira kuti uone kana iwe unogona kubhadhara chikwereti chekanguva chekwereti, kana zvikwereti zvemazuva ano, pasina kutengesa chero zvinyorwa. Zvakakosha kuti bhizimisi rikwanise kuita izvi nokuti, kana iwe uchifanira kutengesa mabhuku ekubhadhara zvikwereti zvinoreva kuti unotofanira kutenga muchengeti wezvinhu izvi. Kuwana mutengi hakusi nyore nguva dzose kana zvichibvira.
Pane dzimwe nzira dzakasiyana-siyana dzehuwandu hwaunoda kushandisa kuti uone mari yako.
Kunyanya kufunga nezvehuwandu kunouya kune zvakasununguka kune mukuru wepamusoro kune weAcentant uyo akarovedzwa kuti aite accrual accounting . Kana bhizimisi rako riri kutanga, iwe unonyanya kuitora kubva mubhuku rekuongorora, iyo ndiyo muenzaniso wekuverenga mari . Chero bedzi paine mari mubhuku, bhizinesi rako rinosarudzwa. Sezvo bhizinesi rako richiva rakaoma, iwe uchafanirwa kutora zvinyorwa zvakaoma zvemari. Zvisinei, iwe unofanirwa kuchengeta kuisa pfungwa pakuchengetedza uye kushandiswa kwemari kunyange zvazvo iwe uchitarisa mari yakawanikwa kuburikidza nekugadzirisa zvemari.
Cash Budget
Zvizhinji zvekambani dzinofanirwa kugadzirira mari yemwedzi yemari kuitira kuchengetedza mari yavo. Kutaura zvazviri, mari yemari inofanira kuitwa inofanira kuitwa mwedzi mitanhatu kusvika kumwedzi gumi nemaviri isati yasvika kuti iite zvinoda mari . Mari iyo inotora mari ichabata musiyano wekufungidzira pakati pechibvumirano chaunoona pane chirevo chekuwana mari uye mari inenge ichinyatsopinda mune zvakasimba uye ichiyerera kunze kwekambani.
Chinangwa chebhadhiro yemari haisi yekuisa zvinangwa zvemari asi kutarisira zvinodiwa. Kana iwe uchigadzirira mari yebhadharo 6 - 12 mwedzi isati yasvika uye zvido zvako zvinoshanduka, zvino shandura mari yako yemari. Ramba uchitarisana navo nokuti mari yekukwira pasi mumari mune bhizimisi yakakwirira. Iwe unofanirwa kuziva izvi kubva pamari yako pachako. Gadzirira mararamiro ako nekuchengetedza.
Cash budgets inogona kutarisa "chii-kana" mamiriro ezvinhu. Iwe unogona kuvashandisa kuti uedze zvakasiyana siyana zvingaitika mune ramangwana. Iwe unogona kuisa peresenti yezvigoneko kumamiriro ezvinhu epamangwana uye kuedza maonero ako. Semuenzaniso, unogona kuchinja kukurumidza kwekuunganidza kwako kana nguva yekutenga yako yekutsvaga uye kuona kuti inobata sei mari yako.
Zvaungaita Kuti Uwedzere Mari Yako Inoshambadza
Chinangwa chako, semuridzi uye maneja wekambani yako, ndechekufambisa mari yose yebhadharo rako raunogona. Hausi iwe chete unoda kutenga mari yakawanda kubva kune yako yekambani sezvaunogona, asi iwe unodawo kuichengetedza kunze kwekuda kweiyo kana inetso chaiyo.
Mazana maviri emakero ako ehesi maitiro anowanzowedzera mvura yakawanda pamari yako. Izvo zviwanikwa uye zvikwereti zvinogamuchirwa. Inventory ndeyezvinhu zvaunotengesa uye maakarenda anogamuchirwa ndezvikwereti zvako zvekwereti kana kuti maakare anomirira chikwereti chaunowedzera kune vatengi. Mazamu ezvinyorwa zvose zviri zviviri anofanira kuchinjwa kuti awane mari nokukurumidza.
Iwe unogona kushandisa mari yehutano kuongororwa kuti uone nzvimbo yako pamusoro pekugadzira uye kubhadhara mari . Inventory mutengo wekutsvaga inogona kukuudza kana kuverenga kwako kusina kushanda kana kuti iwe uri kutengesa zvakanyanya iwe uri kuchengeta. Nhoroondo dzinogamuchirwa , zvakadai sekutengeswa kwezuva, zvinogona kukuudza kuti nokukurumidza sei vatengi vatengi vako vari kuchenesa mabhuku avo. Kana ukangosarudza nzvimbo yako yekuunganidza uye zvikwereti, unogona kutora matanho akakodzera kuti uchinje uye uve nemari yakawanda inopinda mune yako yakasimba.
Imwe nzira yekuwana mari yakawanda mubhizinesi rako pamusoro pekwereti yako vatengi uye mari inogamuchirwa mari inoshandisa bhokisi re lockbox kuti uwane mari. Kana iwe uchibhadhara chikwereti kana kutumirwa kubhokisi rekuvhara, iyo mitsva inopinda muakaunti yako nekukurumidza. Bhengi yako inogona kushandura mari mune imwe nhoroondo inofarira.
Imwe nzira yemazuva mashomanana ekuderedza mari kubva mubhadharo yako ndeyekutarisa matanho aripo pane bhadharo rako. Tarisa pane nhoroondo dzako dzinobhadharwa. Ndizvo zvaunokweretesa vatengesi vako. Bhadhara maakarenda ako aripo pazuva ravanofanira, kwete kutanga. Hapana chikonzero chekupa vatengesi venyu mazuva enyu mashoma mari isati yasvika. Bhizinesi yako inoda kushandisa iyo mari. Tambanudza kushandiswa kwemari yako.
Mazano Okutengesa Kushandisa Zvakanaka
Chinokosha pakugadzirisa kwakanaka kwemari ndeyekuti, mumatambudziko, zvinyorwa zvezvemari zvinenge zvisingabatsiri uye zvose zvakakosha ndezvokugara kubva pane mari yekuona. Mumatambudziko emari, akadai sekuderera, mutengesi wemu bhizinesi unova, nekudikanwa, nguva pfupi. Kakawanda, dambudziko remari richaita maitiro akanaka ekugadzirisa mari mumakanishe emabhizimisi anotakura kubva pazuva iro zvichienda mberi.
Vatungamiri vanofanira kunzwisisa kuti vangagadzirira sei mari yemwedzi webhadha . Zvadaro, vanofanira kunzwisisa zvinyorwa uye kushandiswa kwemari yakafanana neyakataurwa pamusoro peChinyorwa cheCash Flows , chimwe chezvinhu zvitatu zvinotarisirwa nematongerwo emari . Mhinduro yaunowana kubva kune zvinyorwa zvemari inokosha. Kutanga neongororo uye maakarenda anogamuchirwa, kana vatungamiri vanogona kuwedzera kukwira kwemari yavo, vanogona kunge nguva dzose vachidzivisa kushanda kunze kwekushanda mari uye vachizviisa pamatambudziko ekuyerera kwemari.