Mali kaxakeka kuba unamandla aleleyo okuba ruin kwishishini lakho ukuba aren khange carefulNangona ukungaphumeleli umyinge kuba startups rhoqo exaggerated, ke kwakhona i-high: ipesenti ye amashishini kusilela ngaphakathi unyaka wokuqala, kwaye malunga nesiqingatha U.S. amashishini kusilela ngaphakathi kwiminyaka emihlanu, ngokunxulumene data kwi Bureau of Basebenza-Manani. Uninzi lwezi failures ingaba isiphumo leqela le ukulandelelana ka-imibandela, njengoko qala entrepreneurs wachaza zabo ishishini i-mortems. Abo imibandela ziquka nokungabikho kwimakethi kufuneka, i-ezingafanelekanga iqela okanye nzima ukhuphiswano. Ngoko ke, kukho inkqubo ngaphandle imali, yesibini-ezininzi-cited ifekta kwezi i-mortems kunye amabini anesithoba ipesenti iinkampani ekubeni thathwa ukuba amava oko phambi failing. I-engalindelekanga inkcitho yezimali enokwenzeka okanye sudden iindleko yandisa rhoqo elijongene shortfall, kwaye sibe kakuhle kuba yokugqibela france incopho kuba kushishino ke sele struggling.
Ngoko ke, yintoni ilungelo indlela yaba nge-mali kaxakeka njengoko i-entrepreneur.
Gqala ezi elidlulileyo imizekelo kakuhle-ezaziwayo startups ukuba phantse ayiphumelelanga ngenxa yemali kaxakeka kodwa ophele ngowama-phezulu recovering: Ngaphakathi zokuqala ezimbini iminyaka engama-iqala FedEx, umseki Ufrederick Smith zifunyenweyo yakhe inkampani ngoko ke, abaninzi izigidi dollazi kwi ityala, ngenxa sharply inyuke ipetroli amafutha iindleko, okokuba waye phantse ukulungele ukuya kuvakalisa bankruptcy.
Xa FedEx ke imali ugcine bebe depleted ukuba nje dollazi, inkampani waqala ecela pilots ukusebenzisa zabo personal credit amakhadi kwaye uncashed paychecks ukuba ipetroli amafutha zabo kwiindawo ezingaphelelanga.
Kwaba ukuzothi ga ukuba Smith gambled wokugqibela yenkampani savings kwi blackjack nto iyinyani. Kodwa real ukugcina ubabalo kwaba i-ezongezelelweyo dollazi elinanye yezigidi kunyaka-mali kwaye lemveliso-entsha izibhengezo phulo.
Ababini kakhulu komhlaba kwaye innovative tech iinkampani kweli lizwe, kunye waqala yi-Elon Musk, phantse faced nazo kwi-wake ka - kwezoqoqosho recession.
Musk ngokwakhe wathi, Bloomberg ukuba kokuba imali ukugcina enye inkampani afloat, kodwa ngokuqinisekileyo hayi zombini. Ngoko ke, umdibaniso imibandela wamvumela ukugcina kunye amashishini kulo msebenzi kuba starters, wathengisa ngaphandle ezinye yakhe, utyalo mali kwaye wabuza Tesla abatyali-mali kuba ngaphezulu imali. Omtsha dollazi. ezintandathu bhiliyoni izivumelwano ukusuka NASA, ezingazange SpaceX hayi kuphela aphile kodwa thriving. Inkcazo emfutshane waba inkampani waseka kwi ukwenza inguqulelo entsha Kodwa ukuba inguqulelo disappeared njengoko inkcazo emfutshane waqalisa ubudala, ngaphandle leadership ka-visionary Steve Imisebenzi. Emva uthotho ayiphumelelanga iimveliso, nangona sikwimeko yoqoqosho enzima iimeko zemali kwaye apparently akukho izimvo njani kuba dominant tech umkhosi kwakhona, inkampani reinstated Imisebenzi eyenziwe ngayo umsebenzi wakhe buyisela inguqulelo ukuba wenza i company waphumelela ngowe-ayo yeziphambili stages. Kwiminyaka embalwa kamva, inkcazo emfutshane ungeniswa i-audio cd, iTunes store kwaye, ekugqibeleni, iPhone, konke oko kwamnceda ukuthatha inkcazo emfutshane ukusuka barely iityuwadefault colour, kanye-ngempumelelo inkampani entsha uhlobo tech isigebenga. Kodak zange relived yayo truest uzuko imihla njengoko a photography isigebenga, kodwa emva filing kuba bankruptcy ngo- (wake ye-digital photography revolution), wabona a decent imali. A thorough corporate reorganization kwaye ukuvuselelwa kugxila ishishini-imaging iimfuno bagcina inkampani ukusuka repeating yayo iimpazamo wanika a besilwa ithuba kuba impumelelo kwi - bale mihla zedijithali era.
Profits kwaye ukukhula bahlala ibhityile, kodwa inkampani sele weathered a isichotho ukuba ayikwazi kufumana financially ukutshatyalaliswa kwayo.
Ezi entrepreneurs kwaye brands wathabatha drastic amanyathelo ukugcina imali, nkqu ecela abasebenzi kuba amadini, pushing nzima kuba entsha inkxaso-mali kwaye radically reinventing zabo iinkampani. Kwenu, kakhulu, unako ukulungiselela ingxowa-mali kaxakeka kwangaphambili ngabo ngokugcina i-kaxakeka kuba ingxowa-mali kwishishini lakho, nje ubuya kuba yakho personal yezimali. Ukuba unayo imali eyaneleyo, ungacwangcisa ngayo bucala kwaye, ukuba akunjalo, uyakwazi kuvula ishishini umgca we-credit, ngoko ke ukuba usoloko kuba imali cofa kuyo.
