Ewe kunjalo, eyona njongo iphambili kunye nokuphela kwabatyali mali abancinci nabaphakathi banayo fumana imali kwimisebenzi yakho kwiimarike zezabelo. Zonke izicwangciso zabo ziyawenza lo msebenzi akusoloko kulula ukuwufezekisa, njengoko uza kwazi kakuhle kumava akho. Nangona kunjalo, zikho ezinye iinjongo ekungafanelekanga ukuba ziqatshelwe kuhlalutyo lwakho lwenyani yentengiso yesitokhwe. Ayikho enye ngaphandle ndisindise eyona mali ininzi inokubakho kwinkcitho eveliswa yimisebenzi yayo ephambili. Ngokusisiseko kuthathwe ekuthengweni nasekuthengisweni kwezabelo kwezi marike zezimali.
Lo msebenzi uya kusebenza ngempumelelo enkulu ukuba ungomnye wabo batyalomali abenza imisebenzi emininzi minyaka le, okanye endaweni yeenyanga. Kuba kufuneka bathathele ingqalelo ukuba inkcitho yakho inokunyuka iye kwixabiso elingaphezulu kwelo lihloniphekileyo. Ewe uyakuphepha ukuhlawula imali eninzi kangaka Alithandabuzeki elokuba imbuyekezo yakho kwintengiso yesitokhwe iya kulungiswa ngendlela enokukumangalisa ukusukela ngoku. Ukongeza, lixesha elilungileyo lonyaka lokuba usebenzise esi sicwangciso sitsha sokugcina inkcitho kuzo zonke iinkqubo zolawulo.
Ukukunika umbono malunga nento onokuyichitha kuthengiso ngalunye kwimakethi yesitokhwe, kwanele ukuba ubhekise kwintshukumo ethile. Ewe, ngokusebenza malunga ne-5.000 euro kuya kukuxabisa malunga ne-15 ye-euro ekuthengeni izabelo. Kule mali kuya kufuneka wongeze imali efanayo kwintengiso yomsebenzi. Ngenxa yezi zibalo, iyonke inkcitho yotyalo-mali iya kuba kakhulu kufutshane ne-30 euro. Yindleko esisigxina, kodwa ungayilinganisa ngokuxhomekeke kwisicwangciso sokugcina oza kusisebenzisa ukususela ngoku. Siphakamisa ezinye zeembono zokunciphisa oku kudlalwa kwaye kusekwe kwezi zenzo zilandelayo.
Thatha ithuba lamaxabiso akwi-Intanethi
Ukusebenza kwiindlela zetekhnoloji kunomvuzo kubatyali mali abancinci nabaphakathi. Iirhafu zabo zingancitshiswa malunga neepesenti ezingama-20 kwaye iyakumema ukuba usebenzise eli nyathelo lokusebenza. Ayilolize, kuyinto eqhelekileyo ukuba imisebenzi yokuthenga kunye nentengiso ikhuthazwe ukusuka kwikhompyuter nkqu nakwiiselfowuni. Ngale ndlela, amaziko avulela imikhwa emitsha yabathengi bawo. Ngaphandle kokunika isibonelelo okanye isibonelelo. Ukongeza, ungabhalisela izabelo ngexesha lokwenyani njengenye yezibonelelo ezifanelekileyo. Awunakulibala ukuba amaxabiso akwe-intanethi kwimarike yemasheya ngoku anokhuphiswano ngakumbi kubo bonke abatyali mali.
Qesha ireyithi ethe tyaba
Kwimeko apho abatyali abatyala imali kwimisebenzi yakho kwintengiso yemasheya, awuzukukhetha ngaphandle kokufumana ikhontrakthi kule rate imiselweyo kunye nenyanga. Kwimali enye unokwenza imisebenzi emininzi njengoko ufuna, ukuthenga nokuthengisa. Unlimited kwaye ngaphandle kwalo naluphi na uhlobo lwezithintelo. Ixabiso lentengo yeflethi ngoku malunga nama-20 nama-30 kwimisebenzi yesizwe kwaye malunga nee-euro ezingama-50 ezo zenziwe kutshintshiselwano lwesitokhwe samanye amazwe. Ngale ndlela, uya kuba nakho ukugcina imali engaphezulu kunangaphambili njengoko ucinga emva kweenyanga ezilishumi elinambini. Awuyi kuba neengxaki ezigqithisileyo zokwenza esi sicwangciso kuba iibhanki kunye namaqonga ezemali avule le ndlela intsha kurhwebo lotyalo-mali kwimarike yemasheya.
Musa ukwenza imisebenzi encinci
Ukuba ufuna ukwandisa ukusebenza kwiimarike ze-equity, awuzukukhetha ngaphandle kokuphinda uqokelele imisebenzi, nokuba kukuthenga okanye ukuthengisa. Ngale ndlela, kuya kufuneka ukhumbule ukuba imisebenzi encinci kwimarike yemasheya yiyo wohlwaywa ngeekhomishini eziphezulu ngokulinganayo. Kuba, enyanisweni, ayikukubuyekezi ngokwenza ezi ntshukumo kwiimarike zezabelo. Kuba ekupheleni kosuku uyakuhlawula imali ethe kratya kwaye iyakubiza ngaphezulu ukwenza ukuba utyalomali lube nenzuzo. Ukwahlulahlula iodolo yokuthenga kuhlala kunika iziphumo ezilungileyo ukuba iqhinga lotyalo mali liyasebenza ngokwenene.
Lungisa amaxabiso okuthenga
Nangona le nkqubo ingachaphazeli ukuncitshiswa kwenkcitho, ivumela inzuzo yemisebenzi ukuba ikhule ngokukuko. Ngale ndlela, kuya kufuneka unikezele ngexabiso kuhambo lokungena kwaye akukho meko unokuyenza kwixabiso lentengiso. Ewe, kule meko unokulahla ii-euro ezininzi ekusebenzeni. Ingakumbi ukuba Ixesha elikhethiweyo lifutshane, apho umahluko umncinci kakhulu. Akumangalisi ukuba ukuseta ixabiso lentengiso yimpazamo eyenziwe ngabatyali zimali abancinci nabaphakathi abanamava amancinci kurhwebo kwimarike yemasheya. Akunjalo kubatyali mali abachitha iminyaka kunye neminyaka yokufunda. Ungakulibali ukusukela ngoku ukuba ufuna ukwenza ugcino lusebenze ngakumbi.
Khetha eyona nkqubo ilungileyo
Ngumzuzu wokungabinakho ukutyala imali ngaphandle kwengqiqo kuba ngaphandle kweziphumo ezibi zale ntshukumo, akukho mathandabuzo ukuba uza kuchitha imali ethe kratya kwiikhomishini nakwezinye iindleko kulawulo nakulondolozo. Ke ngoko, awunandlela yimbi ngaphandle kokuba ulumke ngakumbi kwizigqibo ekufuneka uzenzile kwiimarike zezemali. Ukuxhasa kuphela imisebenzi onokuthi uyiqwalasele njengoko kunenzuzo ngakumbi kunye nohlalutyo oluneenkcukacha malunga noko unokukufikelela malunga nabo. Ukusuka kule meko, ayizukulimaza ukuphelisa yonke imisebenzi engengobuchule kwaye enganikeli galelo nakwingxelo yakho yengeniso. Njengoko ubona, kuya kubakho ukusebenza okungaphezulu kwesinye kwezi mpawu kunyaka ngamnye wezorhwebo.
Khetha ezona zibonelelo zibalulekileyo
Ewe enye yezona ngcebiso zisebenzayo zokwenza esi sicwangciso kukujonga kwezona ntengiso zibalaseleyo kwimarike. Akumangalisi ukuba iikhomishini kwimarike yemasheya zinakho ziyahluka ngama-30% ukusuka kwisindululo esinye ukuya kwesinye. Xa enyanisweni unikezela ngenkonzo efanayo kunye nolungiselelo. Kutheni uhlawula ngakumbi imali yokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Yinto engenangqondo engathandabuzekiyo eya kuthi ichaphazele iakhawunti yakho yokutshekisha kwaye ngaphezulu kunokuba ucinga kwasekuqaleni. Ukuba bhetyebhetye kwiirhafu yenye yezinto eziqhelekileyo kolu didi lokusebenza. Ewe, kuya kufuneka uthathe ithuba lale meko ngamaxabiso athiwe thaca kuwe.
Ulunge ngakumbi kuzwelonke kunakwamanye amazwe
Akufanele ube nemfuneko yokushiya imida yethu ukutyala imali oyigcinileyo kwimarike yemasheya. Ayothusi into yokuba inzuzo yee-indices ezahlukeneyo zamanye amazwe ifana kakhulu, kodwa ukuba uyenza kuthengiso lwesitokhwe sikazwelonke uya kugcina imali kwiikomishini. Kuba, banamaxabiso atshiphu kubo bonke abasebenzisi. Kwaye ngokukodwa ukuba unokuba neziphumo ezifanayo. Akumangalisi ukuba kwiimeko ezininzi kungafuneki ukuba uye kwiimarike zamanye amazwe ukwanelisa umnqweno wakho wokutyala imali kwimarike yemasheya. Ezi zezinye zeempazamo eziqhelekileyo ezenziwa ngabatyali mali abanamava amancinci kwiimarike zezemali kwaye kufanele ukuba sele uyazi.
Amaqonga otyalo mali
Kananjalo akufuneki ukuba ujonge ngokukodwa kwiziko lemali lemveli ukwenza imisebenzi yakho kwiimarike zezabelo. Ewe akunjalo, kodwa kumaxesha akutshanje kuthotho lwamaqonga edijithali enziwe ukuba abonelele ngamaxabiso okhuphiswano ngokwenyani kwiiKhomishini. Ukuya kuthi ga kwinqanaba lokuba ungagcina phantse i-50% yenkcitho evela kulawulo lokuthengwa kunye nokuthengiswa kwezabelo. Nangona kunjalo, kuya kufuneka ukhethe amaqonga oza kuwenza unikeze ukhuseleko ngakumbi kunye neziqinisekiso. Kwaye ngaphezu kwako konke oko kulawulwa yiKhomishini kaZwelonke yoThengiso lweNtengiso (CNMV). Ukuze ngale ndlela, uphephe naziphi na izinto ezingalindelekanga ngexesha lenkqubo yotyalo mali. Ukuba kunokwenzeka nokuba ungazenza iintshukumo kwiimarike kwifowuni yakho ephathekayo.
Hlalutya amaxabiso
Esinye sezicwangciso onokuzisebenzisa ukusukela ngoku kukukhulisa uhlalutyo olunenkcukacha lwamaxabiso eekhomishini ezikhoyo ngoku kwintengiso. Kuya kufuneka unikele ixesha elingakumbi kulo msebenzi, kodwa ke iziphumo ziya kuba ngokwanelisayo kuba ukuphela kosuku uya kufezekisa eyona njongo uyinqwenelayo. Ukuba ayikho enye into ngaphandle kokuqesha elona nqanaba linenzuzo kwaye ngale ndlela uya konga i-euro ezininzi minyaka le. Ngaphandle kokuncama nantoni na kwicandelo lotyalo-mali, eyona nto uyifunayo. Uya kubona umohluko omkhulu phakathi kwamaxabiso amaziko ezemali.
Ukuqhuba ngokwamaqela aphantsi
Kwaye njengenye indlela yokugqibela, akukho nto ibhetele kunokuqhuba imisebenzi yakho kwimarike yemasheya phantsi kweebhendi ezikhoyo ukhuphiswano ngakumbi. Apho ungakhawulezisa khona imali eyenziwayo kwimisebenzi yentengiso yesitokhwe. Ngaphambi kokuba uthenge, kuya kufuneka uyazi ipesenti eya kuhlawuliswa kwikomkhulu lotyalo-mali. Banokuba yinxalenye esezantsi yenqanaba kwaye ke ngenxa yoko umoshwa ngokwenza lo msebenzi ngelinye igalelo lezoqoqosho elinenzuzo enkulu. Akumangalisi ukuba ezinye iibhanki zibize i-euro ezili-10 ngesixa esingama-5.000 euros. Ngale ndlela, kuya kufuneka usondele kula manqanaba ukwenzela ukuba umsebenzi ube nenzuzo ngakumbi.