Kulowa m'dziko lodzilemba ntchito ngati wopanga, wolimbikitsa, kapena eni mabizinesi ang'onoang'ono ndikosangalatsa kwambiri. Mukusandutsa zokonda zanu kukhala ntchito yanu, kumanga omvera, ndipo potsiriza kuyimba kuwombera. Koma pakati pakupanga zinthu komanso kumanga anthu, pali gawo limodzi lofunikira lomwe silingaganizidwenso: ndalama zanu. Kusamalira ndalama zanu moyenera sikungokhudza kukhala ndi moyo; ndiye maziko a kukula kosatha, ufulu wolenga, ndi mtendere wamumtima wautali. Bukhuli likuthandizani panjira zofunikira, zokuthandizani kuti muzitha kuyang'anira moyo wanu wachuma, kuyambira pakutsata dola iliyonse mpaka kukonzekera zamtsogolo.
Kumanga Maziko Anu Azachuma: Zosakambirana Musanapange njira zakukula, muyenera kukhazikitsa maziko olimba azachuma. Izi zikutanthauza kukonzekera ndikupanga machitidwe omwe amangokugwirirani ntchito, kuti mutha kuyang'ana kwambiri zomwe mumachita bwino.
Siyanitsani Bizinesi Yanu ndi Ndalama Zaumwini Ili ndi lamulo loyamba. Tsegulani akaunti yoyang'anira bizinesi yodzipereka. Ndalama zanu zonse ziyenera kulowa muakauntiyi, ndipo ndalama zonse zokhudzana ndi bizinesi ziyenera kulipidwa kuchokera pamenepo. Kupatukana uku ndikofunikira kwa:
Zomveka: Onani nthawi yomweyo momwe bizinesi yanu ilili pazachuma. Misonkho: Imapangitsa kutsatira ndalama zomwe zimachotsedwa mosavuta kubwera nthawi yamisonkho. Ukatswiri: Kumapereka chithunzi chaukadaulo kwa makasitomala ndi mtundu. Chitetezo Mwalamulo: Imathandizira kusunga chophimba chamakampani ngati mupanga LLC.
Phunzirani Luso Lotsata Ndalama ndi Ndalama Simungathe kulamulira zomwe simukuziyeza. Gwiritsani ntchito spreadsheet yosavuta, pulogalamu ngati QuickBooks kapena FreshBooks, kapena kope lodzipatulira kuti mulembe zochitika zilizonse. Ganizirani zowonongera zanu (monga zolembetsa zamapulogalamu, zida, ofesi yakunyumba, malonda, maulendo) ndikuwona komwe mumapeza. Chizoloŵezi chokhazikika chotsatira - sabata iliyonse ndi yabwino - chimalepheretsa zodabwitsa zachuma.
Pangani Dongosolo Lodzilipira Nokha M'malo molowera muakaunti yanu yabizinesi nthawi iliyonse yomwe mukufuna ndalama, yambitsani "tsiku lolipira". Kamodzi kapena kawiri pamwezi, tumizani malipiro oikidwa kapena gawo la phindu lanu ku akaunti yanu. Izi zimakuthandizani kuti muzitha kukonza bajeti yanu ndikuwonetsetsa kuti simugwiritsa ntchito mwangozi ndalama zomwe zasungidwa misonkho kapena kubwezanso bizinesi.
Kugonjetsa Tax Maze Kwa anthu odzilemba okha, misonkho sizochitika kamodzi pachaka; iwo ndi udindo wopitirira. Kuwongolera mwachangu ndikofunikira kuti mupewe kupsinjika ndi zilango.
Zindikirani Zomwe Mukuyenera Kulipira Pamisonkho Monga munthu wodzilemba ntchito, muli ndi udindo wolipira misonkho yoyerekeza kotala ku IRS (ndipo nthawi zambiri dziko lanu). Izi zikuphatikizapo msonkho wa ndalama ndi msonkho wodzilemba ntchito (Social Security ndi Medicare). Kuphonya masiku omalizira awa kumatha kubweretsa zilango.
Ikani Pambali Ndalama za Misonkho Mwachipembedzo Lamulo labwino ndikuyika pambali 25-30% ya malipiro aliwonse omwe mumalandira muakaunti yosunga zokolola zambiri yolembedwa "TAXES." Ganizirani izi ngati ndalama zomwe zagwiritsidwa kale ntchito. Malipiro amisonkho a kotala akakwana, ndalamazo zimakhala pansi zikudikirira.
Dziwani Zomwe Mumachotsera Ubwino umodzi waukulu wodzilemba ntchito ndikuchotsa ndalama zovomerezeka zabizinesi kuti muchepetse ndalama zomwe mumapeza. Zomwe zimachotsedwa nthawi zambiri kwa opanga ndizo:
Ndalama zamaofesi akunyumba (njira yosavuta kapena yatsatanetsatane) Zida: makamera, makompyuta, maikolofoni, kuyatsa Mapulogalamu & Kulembetsa: mapulogalamu osintha, zida zoyendetsera polojekiti, nsanja za ulalo-mu-bio Mtengo Wotsatsa & Kutsatsa Maphunziro: maphunziro, misonkhano, ndi mabuku okhudzana ndi gawo lanu Gawo la foni yanu ndi mabilu a intaneti
Nthawi zonse funsani ndi akaunti woyenerera kapena katswiri wamisonkho kuti muwonetsetse kuti mukuchulukitsa kuchotsera kwanu moyenera.
Kupanga Bajeti ndi Kukonzekera Zopeza Zosakhazikika Mkombero wa phwando-kapena-njala ndi vuto lofala. Kupanga bajeti mozungulira ndalama zosinthika kumafuna njira yosiyana ndi malipiro achikhalidwe 9 mpaka 5.
Werengani Bajeti Yanu Yoyambira Choyamba, dziwani "nati" wanu - zochepa zomwe mumafunikira mwezi uliwonse kuti muthe kulipira zinthu zofunika monga lendi, zothandizira, zakudya, inshuwalansi, ndi malipiro a ngongole. Izi ndiye maziko anu osayanjanitsika.
Gwiritsani ntchito "Chotsogola Chokhazikika" kapena "Chidebe cha Ndalama". Ndalama zikabwera, muzigawa motere:
Misonkho: Nthawi yomweyo ikani pambali 25-30%. Zofunikira: Limbikitsani bajeti yanu yoyambira pamwezi. Ndalama Zoyendetsera Bizinesi: Lipirani ndalama zofunika monga zolembetsa, kuchititsa, ndi zida. Mwachitsanzo, kugwiritsa ntchito chida chosunthika ngati Seemless kuphatikiza maulalo anu onse ofunikira pamalo amodzi ndikugwiritsa ntchito mwanzeru.ndalama zomwe zimathandiza kupanga ndalama zomwe zili bwino. Emergency & Savings Fund: Dziperekeni nokha pothandizira pakusunga. Kukula & Kubwezeretsanso: Limbikitsani zida zatsopano, maphunziro, kapena kutsatsa. Discretionary Spending: Zomwe zatsala ndi zosangalatsa komanso zowonjezera.
Pangani thumba lamphamvu la Emergency Fund Kwa odzilemba okha, thumba ladzidzidzi ndiye nkhokwe yanu yachitetezo. Yesetsani kupulumutsa miyezi 3-6 ya ndalama zanu zoyambira (kapena kupitilira apo ngati mungathe). Ndalamayi ndi yadzidzidzi zenizeni-mwezi wodwala, kutayika kwa kasitomala, kapena kukonzanso mosayembekezereka-osati kuthandizira kukonza kamera yatsopano.
Kukonzekera Kukula ndi Nthawi Yaitali Zofunikira zikasamaliridwa, mutha kusintha malingaliro anu kuchoka pa kupulumuka kupita pakuchita bwino ndikumanga chuma chokhalitsa.
Sinthani Mitsinje Yanu Yopeza Ndalama Kudalira malonda amtundu umodzi kapena nsanja ndikowopsa. Pangani mwachangu njira zingapo zopezera ndalama kuti mupange bata. Ganizilani:
Ndalama Zopanda: Zogulitsa pakompyuta (ma e-mabuku, zokonzeratu, ma tempulo), maphunziro apaintaneti, malonda ogwirizana. Ndalama Zogwira Ntchito: Kugwirizana kwamtundu, ntchito zodzichitira pawokha, kuphunzitsa, kulankhula zolipira. Ndalama za Community: Mapulatifomu aumembala (Patreon, Substack), umembala wanjira.
Invest in Your Retirement Palibe abwana 401 (k)? Palibe vuto. Muli ndi zosankha zabwino kwambiri:
SEP IRA: Zosavuta kukhazikitsa, malire operekera zopereka (kutengera kuchuluka kwa zopeza zonse). Solo 401 (k): Imapereka malire apamwamba kwambiri omwe angapereke, kukulolani kuti mupereke monga abwana ndi antchito. Traditional kapena Roth IRA: Malo abwino oyambira okhala ndi malire otsika.
Yambani pang'ono, koma yambani. Kukhazikika ndikofunikira kwambiri kuposa kuchuluka kwake.
Ganizirani Thandizo la Akatswiri Pamene bizinesi yanu ikukula, kuyika ndalama mwa akatswiri kumalipira nokha. CPA kapena Wothandizira Wolembetsa akhoza kukupulumutsirani ndalama pamisonkho ndi maola osawerengeka a nkhawa. Wokonza ndalama zolipirira yekha angakuthandizeni kupanga dongosolo lokwanira la ngongole, kusunga, kuyika ndalama, ndi inshuwaransi.
Unikaninso Nthawi Zonse ndi Kusintha Khazikitsani "deti lazachuma" ndi mwezi uliwonse. Unikaninso ndalama zomwe mumapeza, magawo a ndalama, momwe mukusungira, ndi misonkho yoyika pambali. Kodi bajeti yanu ikugwirabe ntchito? Kodi muyenera kusintha mitengo yanu? Kulowa pafupipafupi kumeneku kumakupangitsani kukhala pampando wa dalaivala.
Kuwongolera ndalama zanu ngati wodzipangira nokha sikutanthauza kukhala katswiri wowerengera ndalama nthawi imodzi. Ndi za kupanga zizolowezi zosavuta, zokhazikika zomwe zimateteza bizinesi yanu ndikulimbikitsa luso lanu. Mwa kulekanitsa ndalama zanu, kudziwa misonkho, kupanga bajeti ya ndalama zosinthika, ndikukonzekera zam'tsogolo, mumasintha ndalama kuchokera kugwero la nkhawa kukhala chida chaufulu. Mwapanga mtundu wodabwitsa komanso anthu ammudzi - tsopano, pangani bata lazachuma kuti musangalale nazo zaka zikubwerazi. Kuyitanira Kwanu Kuchitapo kanthu: Letsani ola limodzi sabata ino kuti mugwire gawo limodzi kuchokera pa bukhuli. Kaya ndikutsegula akaunti yakubanki yabizinesiyo, kukhazikitsa chidebe chosungira misonkho, kapena kungoyang'ana zomwe zawonongeka mwezi watha, chinthu chofunikira kwambiri ndichoyamba.
