Unawo umsebenzi futhi unayo nephrojekthi, futhi le phrojekthi ingeyangempela. Kukhona ama-oda, noma amakhasimende, noma okungenani kukhona uhlu othile aluthola ngokwakhe. Bese kuthi umuntu esidlweni sakusihlwa akubuze ukuthi uzowuyeka nini umsebenzi wakho ukuze uyenze ngokugcwele, futhi impendulo oyinikeze yayiyingxenye yohlelo, ingxenye yokunyakazisa amahlombe.
Ikhona impendulo engcono, futhi iyinombolo kunosuku. Ngaphambi kokuba iphrojekthi eseceleni ingene esikhundleni somholo wakho, kumele iqale ikwazi ukukhokhela izindleko zayo, futhi lelo zinga liseduze kakhulu kunalelo wonke umuntu aqhubeka elibuza. Iphrojekthi ezikhokhelayo iyeke ukukhipha imali ekhaya lakho, okusho ukuthi ungayigijimisa iminyaka esikhundleni sezinyanga. Iminyaka yiyona nsiza le nto eyidinga ngempela. Cishe zonke izinguqulo zomphumela owufunayo zihlala ngale kwendawo ende engenabuhle, futhi iningi labantu lihamba liphakathi nendawo.
Iphrojekthi eseceleni kufanele ithole malini ngaphambi kokuba ngiyithathe njengento ebalulekile?
Eyanele ukukhokhela izindleko zayo zenyanga. Lelo yizinga lokuqala, liseduze kakhulu kunokushintsha umholo wakho, futhi ukulifeza kushintsha lokho iphrojekthi eyikho: iyeka ukuba yisithokozisi esibizayo bese iba yinto ehamba ngemali yayo.
Kukhona amazinga amane, futhi afika ngalolu hlelo.
- Ikhokhela izindleko zayo. Ukubamba isayithi, izinto zokusebenza, izimali ezikhokhwayo, imibhalisiso. Ngenyanga edlula kulokhu, iphrojekthi iyeka ukuncintisana nerenti yakho.
- Ikhokhela isikhathi sayo. Imali engenayo yehlukaniswa ngamahora owafakayo ifinyelela inani ngehora obungalithatha komunye umuntu.
- Ikhokhela into ongayikhomba. Uhambo, umshini ongcono, inyanga yokunakekelwa kwezingane ekuthengela amaSonto amabili.
- Ithatha indawo yomholo. Yilona wonke umuntu awubuzayo, futhi yilona kuphela oyisinqumo esikhundleni somphumela.
Lokhu kuyisitebhisi sokugibela, hhayi indawo yokuma. Akekho lapha okutshela ukuthi uhlale umncane. Lokhu kuhlelwa ngezigaba kukhona ngoba umuntu osamile ngonyaka wesithathu uwina izinto unyaka wokuqala ongenakuzithenga, futhi indlela esheshayo yokungabikho ngonyaka wesithathu ukushisa imali yakho oyongile ufakazela okuthile ngonyaka wokuqala.
Ngizibala kanjani izindleko zami zenyanga ngemizuzu eyishumi?
Vula izitatimende zebhange nezekhadi zenyanga edlule bese ubhala phansi wonke umugqa obangelwe yiphrojekthi, bese ufaka nengxenye yenyanga yanoma yini oyikhokha kanye ngonyaka. Imizuzu eyishumi, ikhasi elilodwa, futhi isamba cishe sihlala siphakeme kunenani elisekhanda lakho.
Lokho abantu abakuphuthelwayo, cishe ngokulandelana kokuthi kuphuthelwa kangaki:
- Izimali zenkundla, zokukhokha nezemakethe, eziyiphesenti ngakho-ke ezingabonakali.
- Noma yini ekhokhwa minyaka yonke. Yehlukanise ngeshumi nambili bese uyifaka ekholomu yenyanga.
- Izinto zokusebenza ezathengwa ngobuningi ezinyangeni ezedlule bese zithathwa njengezimahhala kusukela lapho.
- Izinto zokupakisha, amasampula, kanye nento oyibuyisele ngaphandle kokukhokhelwa.
- Igama lewebhusayithi, uhlelo lwe-imeyili, kanye namathuluzi amabili obukhohliwe ukuthi uyawakhokhela.
- Intela kulokho iphrojekthi ekutholayo, okungafani nemali ehleli ku-akhawunti.
Yibale yonke. Lelo nani yilo elakho lokungalahlekelwa, futhi liyinombolo yokuqala yeqiniso le phrojekthi ake yaba nayo. Libhale ekhasini elifanayo nentengo yakho. I-Small Business Credit Survey yeFederal Reserve ibheka izinkampani ezingenabo abasebenzi ngaphandle komnikazi njengesigaba sazo, futhi ilandelela ukuthi iziphi kuzo ezihlela ukuqasha, okuyisikhumbuzo esiwusizo sokuthi ukuqala nomuntu oyedwa kuyisimo esijwayelekile hhayi esihlala njalo.
Kungani ukwazi inani lokungalahlekelwa kushintsha indlela inyanga ehamba kancane ezwakala ngayo?
Ngoba inyanga ehamba kancane iyeka ukuba ubufakazi ngawe bese iba umugqa ekhasini obuvele uliqonda. Uma usulazi inani, isonto elibi liba yisonto elibi kunesigwebo sokuthi ingabe lokhu bekuwumqondo omuhle yini.
Lowo mehluko awuwona ukubalwa kwemizwa. Kuyisizathu esibonakalayo sokuthi kungani abanye abantu besathumela ngonyaka wesithathu. Umuntu owethuka buthule wenza izinyathelo ezibizayo: ukwehlisa intengo okungadingekile, ukushintsha uphawu ngesonto lesithathu, umkhiqizo wesibili oqalwa ngaphambi kokuba owokuqala uqedwe, impendulo enolaka ethunyelwa ngoMgqibelo ekuseni. Ngayinye kulezi ibiza imali yangempela nesikhathi sangempela, futhi ngayinye yathengwa ngokwethuka esikhundleni solwazi.
Bheka inani nyanga zonke, ngosuku oluzikhethelayo, hhayi nsuku zonke. Ukubheka nsuku zonke kukunika umsindo ogqoke okuthiwa impendulo, futhi kuzokukholisa ukuba ushintshe izinto ebezisebenza.
Ngiwuphatha kanjani umsebenzi nephrojekthi ngasikhathi sinye?
Thatha amandla njengensiza elinganiselwe kunamahora, bese uwavikela ngendlela ovikela ngayo imali. Empeleni lokho kusho izikhathi ezimisiwe zephrojekthi, ukuma ngokuqinile ekupheleni kwazo, kanye nokunakekelwa komzimba okungakhethwa, ngoba lapha into eyehlulekayo cishe akulokhu ukuphelelwa imibono.
Umsunguli we-KEEP CALM ukhuluma ngokusobala ngendlela eyakhe eyayisebenza ngayo: wasebenza kanzima impilo yakhe yonke, wathola izindlela zokuhlala ezolile phakathi kwakho konke, futhi ukuzivocavoca kwakuyenye yezindlela ayethwala ngazo ingcindezi yokwakha umsebenzi. Ukuzola yikho okwenza umzamo waqhubeka iminyaka engamashumi amabili esikhundleni sezinyanga eziyishumi nesishiyagalombili.
Indlela ebonakalayo ilandela leso simo. Izinyakatho ezimbili nekuseni kwempelasonto elilodwa, kubizwe ngaphambi kwesikhathi, kungcono kunenhloso engacacile yokusebenza kuyo noma nini. Faka lawo mahora kwikhalenda efanayo nomsebenzi wakho, ukuze lelo busuku libhukhwe ngaphambi kokuba omunye umuntu alibhuke. Ukulala kuwumfakela webhizinisi. Kunjalo nehora olichitha unyakaza, elingelona ikhefu emsebenzini, kodwa kuwukunakekelwa okukugcina ukwazi ukwenza umsebenzi ezingeni ofuna ngempela ukuwenza kulo.
Ngithini kumuntu esidlweni sakusihlwa obuza ukuthi ngiyeka nini?
Mnike uhlelo esikhundleni sokuzivikela. "Manje isikhokhela izindleko zayo. Okulandelayo ngifuna ikhokhele amahora engiwafakayo, bese ngibheka okunye lapho isikwenzile lokho."
Lowo musho wenza izinto ezintathu ngasikhathi sinye. Uthi iphrojekthi ingeyangempela futhi ilinganisiwe, okuqeda umbuzo wokuthi ingabe umqotho yini. Uqamba izinga elilandelayo, ukuze lowo muntu abe nento entsha angayibuza ngonyaka ozayo esikhundleni sokuphindaphinda. Futhi ukuvikela ekwenzeni isinqumo etafuleni lokudla ukuze uwine impikiswano, okuyilapho izinqumo eziningi zokushiya umsebenzi zithathwa khona.
Awukweleti muntu isikhathi esibekiwe. Ukweleta wena inombolo, ngoba inombolo yiyona eguqula isifiso sibe yinto ongasebenza ngayo ngoLwesibili olulandelayo.
Iminyaka la mazinga akuthengela yona
Ukuhlelwa ngezigaba akukona ukwesaba, kuyindlela othenga ngayo isikhathi, futhi isikhathi kuwumfakela cishe wonke umuntu awulinganisela phansi. Phakathi kwezinkampani ezintsha eziqashayo eMelika kusukela ngo-1994 kuya ku-2022, isilinganiso esingamaphesenti angu-67.7 sasinda okungenani iminyaka emibili, angu-49.2 afinyelela eminyakeni emihlanu, futhi angu-33.9 afinyelela eminyakeni eyishumi. Iphethini ekhuthazayo ihleli ngaphansi kwalezo zibalo: kulawo mabhizinisi afinyelela eminyakeni emihlanu, angamaphesenti angu-69.5 aqhubeka afinyelele eminyakeni eyishumi. Ukudlula esigabeni sokuqala kushintsha amathuba akho kukho konke okulandelayo.
Ngakho sebenza kanzima. Thatha i-oda elikhulu, funda ikhono elinzima, khuphula intengo, tshela abantu abaningi. Yenza nje izinga lokuqala libe yileli ongalifinyelela ngempela, ukuze iphrojekthi isaphila ngosuku olunye lwalezi zishaya ezinkulu lapho ihlangana khona. Ukukhokhela izindleko zakho akulona isifiso esincane. Yiyo into ekuthengela iminyaka.
Imithombo
- U.S. Small Business Administration Office of Advocacy, Frequently Asked Questions About Small Business 2026
- Federal Reserve Banks, 2025 Report on Nonemployer Firms
- U.S. Small Business Administration, Plan your business