Kwinjira mwisi yo kwihangira imirimo nkumuremyi, uhindura, cyangwa nyir'ubucuruzi buciriritse birashimishije bidasanzwe. Urimo uhindura ishyaka ryumwuga wawe, wubaka abumva, hanyuma uhamagare amafuti. Ariko hagati yo gushiraho ibirimo no kubaka umuganda, hari igice kimwe cyingenzi kidashobora kuba igitekerezo: imari yawe. Gucunga neza amafaranga yawe ntabwo ari ukubaho gusa; ni umusingi wo gukura kurambye, ubwisanzure bwo guhanga, n'amahoro maremare yo mumutima. Aka gatabo kazakunyura mu ntambwe zingenzi, zifatika zo kugenzura ubuzima bwawe bwamafaranga, kuva ukurikirana amadorari yose kugeza gutegura ejo hazaza.
Kubaka Urufatiro rwawe rwimari: Ibidashoboka Mbere yo gufata ingamba zo gukura, ugomba gushiraho ishingiro ryimari. Ibi bivuze gutondekanya no gukora sisitemu ikora mu buryo bwikora kuri wewe, urashobora rero kwibanda kubyo ukora byiza.
Tandukanya ubucuruzi bwawe nubukungu bwawe bwite Iri ni itegeko rya mbere. Fungura konti yihariye yo kugenzura ubucuruzi. Amafaranga winjiza yose agomba kwinjira muri iyi konti, kandi amafaranga yose ajyanye nubucuruzi agomba kwishyurwa muri yo. Uku gutandukana ni ngombwa kuri:
Ubusobanuro: Ako kanya reba ubuzima bwawe bwubucuruzi. Imisoro: Ituma gukurikirana amafaranga yakuweho bitagoranye igihe cyimisoro. Umwuga: Yerekana ishusho yumwuga kubakiriya nibirango. Kurengera Amategeko: Ifasha kugumana umwenda wibigo niba washinze LLC.
Menya ubuhanga bwo gukurikirana amafaranga n'ibisohoka Ntushobora gucunga ibyo udapima. Koresha urupapuro rworoshye, porogaramu nka QuickBooks cyangwa FreshBooks, cyangwa ikaye yabugenewe kugirango wandike ibikorwa byose. Shyira mu bikorwa ibyo ukoresha (urugero, abiyandikisha kuri software, ibikoresho, ibiro byo murugo, kwamamaza, ingendo) hanyuma wandike aho winjiza. Ingeso ihamye yo gukurikirana - buri cyumweru nibyiza - irinda gutungurwa kumafaranga.
Kora Sisitemu yo Kwishura Aho kwibira muri konte yawe yubucuruzi igihe cyose ukeneye amafaranga, shiraho "umushahara". Rimwe cyangwa kabiri mu kwezi, ohereza umushahara wagenwe cyangwa ijanisha ryinyungu zawe kuri konti yawe bwite. Ibi biragufasha gucunga bije yawe kandi ikemeza ko udatunguranye gukoresha amafaranga yagenewe imisoro cyangwa gushora imari.
Gutsinda Umusoro Maze Ku bantu bikorera ku giti cyabo, imisoro ntabwo iba inshuro imwe mu mwaka; ni inshingano zihoraho. Gucunga neza ni urufunguzo rwo kwirinda imihangayiko n'ibihano.
Sobanukirwa n'inshingano zawe z'imisoro Nkumuntu wikorera wenyine, ufite inshingano zo kwishyura imisoro igereranijwe buri gihembwe kuri IRS (kandi akenshi leta yawe). Ibi birimo umusoro ku nyungu n'umusoro ku giti cyawe (Ubwiteganyirize na Medicare). Kubura ibihe ntarengwa byigihembwe bishobora kuvamo ibihano.
Shiraho Kuruhande rw'amafaranga kumisoro muby'amadini Itegeko ryiza ni ugushira ku ruhande 25-30% ya buri kwishura wakiriye kuri konti itandukanye, yinjiza umusaruro mwinshi yanditseho "IMISORO." Tekereza ibi nkamafaranga yamaze gukoreshwa. Iyo buri gihembwe cyo kwishyura imisoro igomba gutangwa, amafaranga aba yicaye ategereje.
Menya ibyo wagabanije Imwe mu nyungu nini zo kwihangira imirimo ni ukwandika amafaranga yemewe yubucuruzi kugirango ugabanye amafaranga asoreshwa. Igabanywa rusange kubaremye harimo:
Amafaranga yo mu rugo yakoreshejwe (uburyo bworoshye cyangwa burambuye) Ibikoresho: kamera, mudasobwa, mikoro, amatara Porogaramu & Kwiyandikisha: guhindura porogaramu, ibikoresho byo gucunga imishinga, guhuza-muri-bio Kwamamaza & Kwamamaza Ibiciro Uburezi: amasomo, inama, n'ibitabo bijyanye n'umurima wawe Igice cya terefone yawe na fagitire ya interineti
Buri gihe ujye ubaza umucungamari wujuje ibyangombwa cyangwa inzobere mu by'imisoro kugirango umenye neza ko wagabanije neza ibyo wagabanije.
Guteganya no Guteganya Amafaranga Yinjira Umunsi mukuru cyangwa inzara ni ikibazo gisanzwe. Kubaka bije hafi yinjiza ihinduka bisaba uburyo butandukanye numushahara gakondo 9 -5.
Kubara Ingengo Yibanze Yawe Ubwa mbere, menya "ibinyomoro" byawe bwite - byibuze ukenera buri kwezi kugirango wishyure ibyingenzi nkubukode, ibikorwa, ibiribwa, ubwishingizi, no kwishyura imyenda. Nibanze shingiro ryanyu.
Koresha "Sisitemu Yibanze" cyangwa "Indobo Yinjiza" Sisitemu Iyo amafaranga yinjiye, uyagabanye muri uru rutonde:
Imisoro: Ako kanya shyira ku ruhande 25-30%. Ibyingenzi: Tera inkunga ingengo yimari yawe yibanze ukwezi. Amafaranga akoreshwa mubucuruzi: Gupfundikanya ibiciro nkabiyandikishije, kubakira, nibikoresho. Kurugero, ukoresheje igikoresho cyinshi nka Seemless kugirango uhuze amahuza yawe yose yingenzi ahantu hamwe nigikorwa cyubwengeikiguzi gifasha gukoresha amafaranga yawe neza. Ikigega cyihutirwa & Kuzigama: Iyishyure ubutaha mugutanga umusanzu. Gukura & Reinvestment: Tera ibikoresho bishya, amasomo, cyangwa kwamamaza. Gukoresha Ubushishozi: Igisigaye ni kwishimisha ninyongera.
Kubaka Ikigega Cyihutirwa Kubikorera ku giti cyabo, ikigega cyihutirwa nicyo mutekano wawe wanyuma. Intego yo kuzigama amezi 3-6 yibikorwa byawe bwite (cyangwa byinshi niba ubishoboye). Iki kigega ni icyihutirwa nyacyo-ukwezi kurwaye, gutakaza abakiriya, cyangwa gusana bitunguranye - ntabwo ari inkunga yo kuzamura kamera nshya.
Guteganya Gukura nigihe kirekire Ibyingenzi bimaze gukemurwa, urashobora guhindura intumbero yawe kuva kubaho ukabaho gutera imbere no kubaka ubutunzi burambye.
Gutandukanya Inzira Zinjiza Kwishingikiriza kumasezerano imwe cyangwa urubuga birashobora guteza akaga. Mubyukuri wubake inzira nyinshi zinjira kugirango ushireho ituze. Suzuma:
Amafaranga yinjiza: Ibicuruzwa bya digitale (e-ibitabo, ibiteganijwe, inyandikorugero), amasomo yo kumurongo, kwamamaza ibicuruzwa. Amafaranga yinjiza: Ubufatanye bwibicuruzwa, serivisi zigenga, gutoza, kuvuga byishyuwe. Inkunga y'abaturage: Ihuriro ry'abanyamuryango (Patreon, Substack), abanyamuryango b'umuyoboro.
Shora muri pansiyo yawe Nta mukoresha 401 (k)? Ntakibazo. Ufite amahitamo meza:
SEP IRA: Byoroshye gushiraho, imipaka ntarengwa (ishingiye ku ijanisha ryinjiza). Solo 401 (k): Itanga imipaka ishoboka yo gutanga umusanzu, ikwemerera gutanga umusanzu nkumukoresha numukozi. Gakondo cyangwa Roth IRA: Intangiriro ikomeye ifite imipaka yo hasi.
Tangira gato, ariko utangire. Guhoraho ni ngombwa kuruta umubare.
Tekereza ubufasha bw'umwuga Mugihe ubucuruzi bwawe bugenda bwiyongera, gushora imari kubanyamwuga birishura. Umukozi wa CPA cyangwa Wiyandikishije arashobora kuzigama amafaranga kumisoro namasaha atabarika yo guhangayika. Umushinga wamafaranga gusa arashobora kugufasha gukora gahunda yuzuye yimyenda, kuzigama, gushora, nubwishingizi.
Isubiramo buri gihe kandi uhindure Shiraho buri gihembwe "itariki yimari" hamwe nawe wenyine. Ongera usuzume inzira winjiza, ibyiciro bisohoka, iterambere ryo kuzigama, hamwe no gusoresha kuruhande. Bije yawe iracyakora? Ukeneye guhindura ibiciro byawe? Uku kwisuzumisha bisanzwe kugukomeza kwicara.
Gucunga imari yawe nkumushinga wihangira imirimo ntabwo ari ukuba inzobere mu ibaruramari ijoro ryose. Nukwubaka ingeso zoroshye, zirambye zirinda ubucuruzi bwawe no guha imbaraga guhanga. Mugutandukanya imari yawe, kumenya neza imisoro, guteganya amafaranga yinjiza atandukanye, no guteganya ejo hazaza, uhindura amafaranga uva mubitera impungenge ukaba igikoresho cyubwisanzure. Wubatse ikirango kidasanzwe hamwe nabaturage - ubungubu, wubake ituze ryamafaranga kugirango wishimire imyaka iri imbere. Umuhamagaro wawe wo gukora: Hagarika isaha imwe muri iki cyumweru kugirango ukemure intambwe imwe uvuye muri iki gitabo. Yaba ifungura konti ya banki yubucuruzi, gushiraho indobo yo kuzigama yimisoro, cyangwa gusuzuma gusa amafaranga yakoreshejwe mukwezi gushize, icyingenzi ni ugutangira.
