Kodi mungapeze kuti Krisimasi yamafuta?

mafutaSabata ino, zokoka zachikhalidwe za Khrisimasi zidzagawa mayuro okwana 2.380 miliyoni, omwe opambana okha ndi omwe azilipira iliyonse ya mphotho zinayi zoyambirira za lotaleyi ndipo nthawi zonse ndalama zomwe zimapitilira ma euro 10.000. Chifukwa chake, ngati muli m'modzi mwa opambana ndi Khrisimasi ya Fat yomwe mwakhala mukuyembekezera kwa nthawi yayitali mudzakhala ndi 322.000 ya ma 400.000 euros pakhumi lililonse. Mwanjira iyi, ma 78.000 euro otsala apita kuboma ngati misonkho. Izi ndi zomwe zimadziwonetsera ngati mwayi wakumwetulira sabata ino.

Chikhalidwe chachikulu chomwe chaka chino chikuwonetsa imodzi mwamasewera otchuka kwambiri ku Spain ndikuti ndalama zomwe sizingafanane nazo zimangowonjezedwa ndipo ndizoposa zomwe 10.000 euros pa khumi. Muyenera kuganiziranso kuyambira pano musanakhale kuti tikiti yanu ya lottery ndi imodzi mwazomwe zili ndi mwayi wotenga nawo tchuthi cha Khrisimasi. Ngati izi zikadakhala izi, mudzakhala ndi njira zingapo zokulitsira zopindulira zomwe simunapeze mu chuma chanu.

Ngati muli m'modzi mwa omwe ali ndi mwayi, atha kuyesanso mwayi wanu ndikuganiza kuti mutha kukonza chuma chanu kudzera m'misika yamalonda. Mwa zina chifukwa padzakhala mwayi wamalonda momwe mungakulitsire ndalama zomwe mwapeza mu lottery ya Khrisimasi. Ndikuthekera kuti musinthane ndi mbiri yomwe muli nayo ngati wogulitsa ndalama zazing'ono komanso wapakatikati: wankhanza, wosamala kapena wapakatikati. Mulimonsemo, ndi njira ina isanapite ku akaunti yanu yosungira.

Khirisimasi Yonenepa: Mikhalidwe Yamsika Wamsika

bolsa Chimodzi mwazinthu zoyambirira zomwe mungachite kuti musinthe zinthu zanu ndikupita kumabizinesi aku Spain omwe angathe kuyamikiridwa. Simungayiwale kuti Ibex 35 mchaka chino yomwe yatsala pang'ono kupita yakhala ndi chisinthiko choyipa posiya zoposa 13% zanu. Kufikira kuti imatha kutseka chaka kumapeto kwapachaka, pafupi kwambiri ndi mulingo wa 8.600 euros kapena ngakhale kutsika ngati kutsika kukupitilira m'masiku omaliza a chaka.

Kuchokera pazowona zenizeni izi, pali gawo lazamasheya lomwe lakhala likuwonongeka pamsika wamsika ndipo ndilo gawo lamabanki. Ndi kutsika kwapafupifupi 20%, koma ndikuyembekeza zabwino kwambiri pakatikati komanso patali. Imodzi mwa njira, chifukwa chake, ndikuyika ndalama m'mabanki ena omwe adalembedwa pamsika wamsika ndikugwiritsa ntchito mitengo yawo yotsika. Bankia, Santander, BBVA kapena Sabadell atha kukhala ena mwamalingaliro anu kuti Khrisimasi ya Gordo yomwe mwakhala mukuyembekezera ikhale yopindulitsa.

Zotheka mpaka 30%

Ofufuza ena pamsika wazachuma amaganiza kuti zachitetezo cha gawo lofunikirali zimachotsera pamitengo yawo ya pakati pa 20% ndi 30%. Ndi nthawi yokhazikika, osachepera zaka zingapo. Chifukwa pakadali pano akupereka mitengo yomwe ikukhudzana kwambiri ndi bizinesi yawo ndipo chifukwa cha zovuta zambiri zomwe gawo lino lakhala nalo chaka chino, lomwe latsala ndi maola ochepa kuti apite ku moyo wabwino. Imeneyi siimalo owopsa chifukwa mtengo wamagawo ndiwopikisana kwambiri pakadali pano. Pansi pamlingo wanu weniweni.

Kumbali ina, simungayiwale kuti mabanki aku Spain amapereka lopeza zomwe zimakhala zosangalatsa kwambiri, ndizopindulitsa zomwe zimakhala pakati pa 5% ndi 6%. Izi ndizokhazikika komanso zotsimikizika chaka chilichonse, ziribe kanthu zomwe zimachitika mumisika yamsika. Kuti mwanjira iyi, mutha kupanga mbiri yazachuma panjira yokhazikika mosiyanasiyana. Kupitilira pazowunikiranso zina zaukadaulo komanso mwina kuchokera pakuwona kwake. Ndi njira yothandiza kwambiri yowonjezerera ndalama muakaunti yanu pambuyo pa Khrisimasi ya Fat.

Ganyu kuchokera ku thumba losakanikirana

Popeza kusinthika kowopsa kwa misika yachuma, njira yachiwiri yogulitsa yomwe muli nayo ndikusintha ndalama zomwe mwapeza mwa mwayi wa mphothoyi. Ndipo ndi njira yanji yabwinoko kuposa thumba lazachuma lomwe limasakanikirana motero limakhazikika zonse mu ndalama zokhazikika komanso zosinthika. Kuti mwanjira iyi, muli ndi mwayi woteteza zopambana zanu pamasewera. Kumbali inayi, muli ndi ndalama zambiri zogulitsa pazinthu izi ndipo muyenera kungosankha zomwe zikugwirizana ndi mbiri yanu ngati wochita bizinesi yaying'ono komanso wapakatikati.

Komabe, njirayi yopezera ndalama sichiyang'ana kwakanthawi kochepa. Ngati sichoncho, m'malo mwake, muyenera kukuwongolerani ku nthawi yayitali. Ngati zonse zakonzedwa bwino, atha kukhala kuti m'malo azaka zisanu kapena zisanu ndi chimodzi mutha kubweza ndalama pakati pa 5% mpaka 10%. Osati zoyipa konse chifukwa cha ndalama zomwe mudalibe kuyambira pachiyambi. Kuphatikiza apo, osayiika pachinthu chimodzi chazachuma chomwe chimatha kubweretsa zoopsa zambiri poyera kuchokera kutchuthi cha Khrisimasi ichi.

Lamulo lofulumizitsa phindu

zofunikira Nthawi zonse pamakhala zothandizira, ngati mukusunga ndalama mwachangu, kuti mugwiritse ntchito zivomerezo ngakhale kuwirikiza kawiri ndalamazo zomwe mwapeza kudzera mu Khrisimasi ya Fat yomwe mwakhala mukuyembekezera. Poterepa, kutsegulira malo pamtengo wamayiko aku Spain omwe adatsalira kwambiri ku 2018 ndipo kuthekera kwawo kumakhala kowolowa manja kwambiri. Mwanjira imeneyi, pali zotetezedwa ndi kuchepa kwa ndalama kwapafupifupi 30% ndipo zomwe zingagulidwe kudzera muntchito yapaderayi.

Musaiwale kuti malonda azachuma omwe ndi chitsimikizo ndi dzina lakampani lofanana kwambiri ndi a Njira yogula. Amapereka mwayi kwa wogula, koma osati udindo, wogula magawo wamba kuchokera ku kampani pamtengo wokhazikika kwakanthawi. Komabe, sizingatsutsidwe kuti zovomerezeka ndi gulu lazinthu zachuma zomwe zili pachiwopsezo chachikulu pantchito. Kumene mungapeze ndalama zambiri, koma pazifukwa zomwezo, siyani mayuro ambiri panjira kuyambira pano. Popanda kukhala mankhwala owopsa, sizoyenera kwenikweni kwa osunga ndalama onse.

Zosungira: zotetezedwa komanso zotsimikizika

Njira ina yabwino kwambiri yomwe muli nayo pakadali pano imakhala ndi banki yanthawi yayitali. Asintha phindu lawo m'miyezi yaposachedwa ndipo ayamba kukhala achidwi kuti apeze ndalama zowonjezera chaka chilichonse kapena pazaka zomwe kukhazikika kwawo kumafunikira. Kuchokera pazochitikazi, pali zotsatsa zina zomwe zimapereka kubwezeredwa kwapachaka komanso kotsimikizika pafupi kwambiri ndi 2%. Zachidziwikire, lingakhale lingaliro labwino kutsimikizira ndalama zopangidwa ku Gordo de Navidad.

Mulimonsemo, masungidwe amabanki awa amakhala ndi nthawi zosatha zomwe zimasunthira kwakanthawi komwe zimachokera 12 mpaka miyezi 36. Nthawi yomwe osungitsa ndalama ayenera kukhala kuti zopereka zawo zachuma sizingayende bwino, pokhala chimodzi mwazinthu zoyipa kwambiri pazisankho zoyendetsera bizinesi ya lotale. Ngakhale ndi mwayi kuti ndi chinthu chomwe chilibe ma komiti ndi zina zonse pakuwongolera ndi kukonza. Ndi kupulumutsa kwathunthu pamgwirizanowu womwe umalumikizidwa ndi ndalama.

Siliva monga njira ina

kulipira Komabe, chitsulo chamtengo wapatali ichi ndi njira yopindulitsa kwambiri ngati kusakhazikika kumakhazikika m'misika yamalonda. Ndikutheka kwenikweni kopanga mphotho ya raffleyi kukhala yopindulitsa m'mphepete mwa zopitilira 30% ndipo munthawi yochepa osatalikitsa. Osati pachabe, siliva imawerengedwa kuti ndi imodzi mwanjira zabwino kwambiri zopitilira muyeso ndipo zomwe zikupitilizabe kuwunikiranso zomwe zimapezeka kwambiri pazachuma chilichonse.

Pambuyo pokhala ndi mwayi ndi jackpot itha kukhala nthawi yoti mukhale pachiwopsezo ndipo palibe chabwino kuposa chitsulo ichi kuti mukwaniritse zolinga zomwe mukufuna kuyambira pano. Osati kwachabe, kwakhala miyezi ingapo yasungidwa mosadabwitsa uptrend Izi zikukupemphani kuti mutsegule malo osaganizira zoopsa pazantchito. Kupitilira pamaganizidwe ena omwe adzawunikidwe munkhani zina zokhudzana ndi njirayi m'misika yazachuma.

Munthawi zenizeni izi, pali zambiri zomwe muyenera kupindula kuposa kutaya, ndipo ngakhale ndizovuta zachuma kutenga maudindo. Komabe, bata lokhala ndi ndalama zomwe mudalibe zidzakuthandizani kuyambitsa maudindo pamsika wazachuma mwapadera monga izi ziliri. Tikukhulupirira kuti chuma chanu chidzawonjezeka m'miyezi ingapo. Kupitilira pazowunikira zina zomwe zidzafotokozedwenso munkhani zina pankhaniyi pamisika yachuma.


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