Kuzo zonke iimeko, abatyali mali abaninzi bakuva ukuba kunjani ukulinganisa kwimarike yemasheya. Ewe kunjalo, kodwa enye indawo inokuba njalo ungayihoyi esi sicwangciso-qhinga sotyalo-mali siqulathe ntoni. Okokuqala, kufuneka icaciswe ukuba iya kwahluka kakhulu ukuba isetyenziswe kwimivuzo, okanye ngokuchaseneyo, kwiinzuzo ezinkulu. Akumangalisi ukuba intsingiselo yayo iya kwahluka ngokupheleleyo, kunye neendlela ezingalinganiyo zokusebenza.
Olu hlobo lokusebenza zenzeka ikakhulu phakathi kwabatyali mali abancinci abanamava amancinci kwiimarike zezabelo. Ngabo bazisebenzisa kakhulu, banciphisa umngcipheko ngamanye amaxesha. Ukusuka kulo mzuzu igama eliphakathi liza kuthandwa kakhulu ngokuchazwa kwezenzo zabo. Kodwa hayi ngenxa yesi sizathu, kufuneka zisetyenziswe, kuncinci kunamaxesha athile.
Ukulinganisa kwimarike yemasheya kunokuba yinto enenzuzo kakhulu okanye eyenzakalisayo kwimidla yakho njengokugcina ngokuxhomekeke kwindlela oyisebenzisa ngayo. Ngokukodwa ngamandla onika kule misebenzi ikhethekileyo. Ukuqaphela ukuba kuya kukhankanywa kuphela malunga nayo ulawulo kwiimarike zesitokhwe, hayi kwezinye iiasethi zemali (iimali, izinyithi ezixabisekileyo, izinto zokwenza izinto, njl.
Umyinge weZantsi
Siza kuqala ngokuchanekileyo kule meko, ethi yona inikezele ngeengozi ezinkulu kubatyali mali, njengoko uza kuba nakho ukuqinisekisa kweli nqaku. Njengokuba, avareji phantsi Yenziwa xa ulahlekelwe yimali eninzi kunye neengxowa kwaye uthathe isigqibo sokuthenga ngokutsha ngexabiso elifanayo ukuzama ukucima ukuhla kweepotifoliyo yakho.
Into yokuqala ebonisa oko izikhundla zakho azihambi kakuhle kwiimarike zezemali. Hayi kangako. Ngokuchasene noko, ukhuphe imali eninzi umphunga kwaye ngokuqinisekileyo wenza ukuthengwa okutsha ngamaxabiso asezantsi. Esi sicwangciso siqhelekile kuba izabelo zilahlekelwe yinxalenye yexabiso kwiimarike zezabelo. Mhlawumbi nangobundlobongela obugqithisileyo.
Le misebenzi iyenziwa xa imeko yexabiso icacile ukuba iphantsi. Ke ayimangalisi into yokuba sisenzo esiyingozi kakhulu somdla wakho. Kungenxa yokuba banako ziyeke amaxabiso azo ngakumbi, kwaye ngenxa yoko abakhubazekileyo banokwandiswa kwingxelo yakho yengeniso. Ukuya kumanqanaba ekungacetyiswanga ukuba uwathwale
Ungayenza ngokungafaniyo kube kanye, kodwa ungaphindi, okanye rhoqo. Ekuphela kwento oya kuyiphumeza kukuzenzakalisa ngeyona ndlela ingekho ngqiqweni. Kuba ayithathwa njengecebo lokutyala imali. Ngabatyali mali abonwabisayo kuphela abasebenzisa ixesha nexesha, kodwa uninzi lwexesha elinempumelelo encinci.
Iziphumo kutyalo-mali
Isiphumo sokuqala oya kusibona kwipotfoliyo yakho yotyalo-mali kukuba inokuhla ngokukhawuleza. Ukuya kwinqanaba le umphunga yinxalenye yotyalo mali kwizabelo. Ngokuqinisekileyo unomhlobo okanye ilungu losapho eliye lafumana le nkqubo ingathandekiyo. Sukumlandela kumzamo ukuba ufuna ukugcina imali yakho.
Kukhethwa ukuba khetha amanye amaxabiso anzimaNgaphandle kokufumana umndilili kulo naluphi na uhlobo lomsebenzi kwiimarike zemali. Akumangalisi ukuba iya kuba yeyona meko ingathandekiyo kuyo yonke ibhegi. Ungathandabuzi, kuba kunjalo, njengoko kungqinwe linani elininzi labatyali mali abancinci, ngakumbi abo banokufunda ngakumbi kwiimarike zezabelo.
Esinye seziphumo ezibi kakhulu ezinokuvezwa yile ntshukumo kukuba ulahlekelwe yimali engaphezulu kunokuba bekulindelwe kulindelo lwakho. Kwezona meko zinzima kunokubonakalisa abantu abakhetha esi sicwangciso sinomngcipheko esenzelwe utyalo-mali. Elona cebiso lilungileyo unokufumana ukusukela ngoku ukuya kukungasebenzisi umndilili ophantsi phantsi kwazo naziphi na iimeko.
Umyinge ophezulu
Lo msebenzi, nangona uphuhliswa phantsi koomatshini abafanayo, ujongene ngokwahlukileyo. Kwaye izizathu ziyafana, kodwa kwicala elichaseneyo. Ngokujonga ukuba izabelo zakho ziyaxabisa kwiimarike zezemali, uzama ukuthatha inxaxheba kule ntshukumo. Kwaye ngayiphi indlela? Kulungile ukuthenga izabelo ezintsha. Iziphumo azizukuthatha thuba lide emva kokuza ngendlela entsha. Ukuya kuthi ga kumanqanaba apho ungenakuseta imida, kude kuyo.
Yimisebenzi elungileyo kakhulu kwimidla yakho, kwaye ukuba uyenza ibe semthethweni uya kuba nakho ukuvala izikhundla ngebhalansi eninzi ngakumbi kunangaphambili. Ekuphela kwesidingo sokwenza ngokusesikweni le milinganiselo inyukayo kukuba iimarike zokulingana zine Inkqubela phambili ichazwe ngokucacileyo kwaye iyasebenza. Ewe kunjalo, ngaphezulu kokujonga i-akhawunti esempilweni ukuthenga izabelo nangaliphi na ixesha.
Izabelo ziya kuthengwa kumanqanaba ngamaxabiso ahlukeneyo, onke ekwi-uptrend. Ukuze wakhe utyalomali olunamandla ngokusekwe kwinkunzi enikelweyo. Iya kuba phezulu kuneminye imisebenzi owakhe wayenza ngaphambili. Kodwa oku ngokuchanekileyo umvuzo uya kuba nesisa ngakumbi. Uya kuba nakho ukuyifumana ngokulinganisa kwimarike yemasheya ngaphandle kokubeka i-euro emngciphekweni.
Iya kuvelisa igalelo elikhulu
Esinye seziphumo eziphambili zomndilili, ezantsi neziphezulu, kukuba uya kuba nemali engaphezulu. Oku kufanelekile siya kuprinta ubungozi obuninzi Ukusebenza, kwaye ngokuqinisekileyo ngaphezulu kwesiqhelo. Kulungile ukuba uyithathele ingqalelo le nto ukuze ungaphelelwa yimali kwiakhawunti yakho yokujonga xa ujongene nenkcitho ekufuneka ujongane nayo kwiinyanga ezizayo: ukuhlawula amatyala, uxanduva lwerhafu, amatyala kubantu besithathu okanye ngokuthe ngqo isavenge semali mboleko yakho.
Iya kuchaphazela nokuba iinzuzo okanye ilahleko zinkulu ngakumbi kunakwimisebenzi eqhelekileyo. Ngale ndlela, umngcipheko uya kunyuka uye kumanqanaba oxinzelelo kakhulu kuzo zonke iimeko apho unikezela inxenye yenkunzi ebekiweyo. Ayizukukhathaza into yokuba udibane neziko lezemali lobomi bakho bonke ukuze ufumane isisombululo, kwaye ngubani owaziyo ukuba yeyona ndlela ilungileyo onomdla kuyo.
Ngayiphi na imeko, ukuthengwa kufuneka kungabi lelona nani liphezulu lamaxesha. Ngaphantsi umndilili ophakathi uya kubhetele. Kukhethwa ukwenza imisebenzi emitsha kwiimarike zezemali kunokugxila kwixabiso nje. Uya kuba nesinye sezona zibonelelo zibanzi nezona zahlukeneyo kwicandelo lotyalo-mali. Ungazami ukuba ngusozigidi phantsi kwesi sicwangciso sodwa. Hayi ngelize, inokuba neziphumo ezichaseneyo.
Kutheni le nto ungalinganiseli?
Imbonakalo yokuqala ekufuneka uyenzile ukusukela ngoku ukuya phambili kukuba ayiyonto intle ukwenza imisebenzi enempikiswano nenobungozi. Impendulo icace gca, kuba kungenxa yokuba ayisiyonto ilungiselelwe nawuphi na umtyalo mali. Nokuba yeyiphi na iprofayili, ayizenzi phantsi kwayo nayiphi na imeko. Nokuba incinci kakhulu kwiinkqubo zokusika eziqhubayo.
Umyinge awusombululi nayiphi na ingxaki kwizabelo, ngokuchaseneyo. Inceda ukubalola, kwaye nangendlela exhalabisa kakhulu kwimidla yakho kwiimarike zezemali. Ayothusi into yokuba unezinye iindlela eziluncedo ngakumbi zotyalo-mali ezisekwe kubuchule obucocekileyo ngakumbi. Xa umndilili kwimarike yemasheya oko kuthetha ukuba izinto zihamba kakubi kuwe kwiimarike, kwaye kuphela kobutyebi obuseleyo.
Kufuneka ujonge ukuqala kwezi ntshukumo. Kwimizuzwana embalwa ungazisola ngokuyenza. Le yimvakalelo yabatyalomali abaninzi abaye bahamba kule meko. Apho kwiintsuku ezimbalwa emva kokwenza ngokusesikweni olu lwazi luthandekayo banoluvo ngempazamo enkulu abayenzileyo kwisicwangciso sabo. Musa ukuba ngomnye wabo.
Iingcebiso zotyalo mali
Ukuthintela ukungabinangxaki engaphezulu kwesinye kubudlelwane bakho ne-equities, awuzukukhetha ngaphandle kokungenisa uthotho lweengcebiso eziluncedo eziza kukwenza uphume ngaphezulu kwengxaki enye kwimisebenzi yakho eqhutywa kwiimarike zezemali. Kukulungele ukuba ubathathele ingqalelo ukuba babonise izikhundla zakho ngendlela echanekileyo. Kwaye ngakumbi ukukhusela ibhegi yokonga oza kuyityala kule modeli.
- Ukuba ufumanisa ukuba ulahlekelwa yimali eninzi kwimarike yemasheya, musa ukulinganisa. Kungcono ukuba ushiye isikhundla sakho ukunqanda enye ilahleko kwimali oyityalileyo.
- Ukuze ungabandakanyeki kwinkqubo enobungozi ngolu hlobo, kuya kufuneka uvule kuphela izikhundla kwizabelo kwizibambiso hamba phantsi konyuso ichazwe kakuhle.
- Lawula lonke ulondolozo lwakho, kwaye musa ukwenza utyalomali ngaphandle kwengqiqo. Banokuvelisa kuphela iziphumo ezinobungozi kwi-akhawunti yakho yokujonga. Ngaphezulu kunokuba ucinga kwasekuqaleni.
- Ngabatyali mali kuphela abane amava amancinci Luxanduva lwabo ukwenza esi sicwangciso singasebenziyo. Ukuphulukana nemali engaphezulu kokuyimfuneko kwimisebenzi nganye evulwe kwiimarike zezemali.
- Ngaphambi komyinge, unokuphulukana nepesenti ephezulu kutyalo-mali lwakho. Kodwa mhlawumbi into ongayaziyo kukuba ukuze ube nesi sicwangciso ungayishiya indlela isebenze ngakumbi.
- Musa ukucinga ukuba ngale ndlela uza kuziphucula izikhundla zakho kwizabelo. Ukuba akunjalo, uya kubenza bubi ngakumbi ubukho bakho kwiimarike zezemali, kwaye mhlawumbi ngendlela engenakusombululeka.
- Amanqanaba esitokhwe asezantsi asisisombululo sokuphuma kwindawo entle kwiimarike zamasheya. Yimpazamo evela kwizangqa ezithile kuphela eziza kuphakamisa. Kungcono unganikeli ngqalelo kwezi ngqwalaselo Isiphumo esiyingozi esinokuyivelisa ukuba uyayisebenzisa ukusukela ngoku.