Njengokuba usebenzisa amanye amacebo otyalo-mali, kuyakuhlala kulula kuwe ukuba wenze olona londolozo lwakho ngeyona ndlela ichanekileyo. Ngokukodwa, kuba ubambelele kuthotho lweeparameter ezijolise ngakumbi ekufezekiseni iziphelo ezilandelwayo ukusukela ekuqaleni. Ngale ndlela, unokufumana iindlela ezininzi zokutyala imali ukuba iiprofayili zinokukhula njani njengomtyali mali. Ayifani, isicwangciso-qhinga somgcini olondolozayo kunokuba nobundlongondlongo ngakumbi. Akumangalisi ukuba indlela eya kwahluka kakhulu kwimeko nganye, njengoko uya kuba nakho ukubona ngezantsi.
Ukuqala isicwangciso sotyalo-mali kuyakufuneka kuqala kuthi konke ukuba usete iinjongo ezithile. Kuba ngokuxhomekeke kubo, unokukhetha enye okanye enye into enayo, nokuba kukwimarike yemali efanayo. Apho kuyakubaluleka kakhulu oko Chaza imigaqo yokuhlala apho ufuna ukuya khona. Kungenxa yokuba utyalomali olumiselwe ixesha elifutshane luya kwahluka kakhulu, nakwixesha eliphakathi nelide. Awunakho ukulibala ukuba baya kufuna unyango olwahlukileyo kwasekuqaleni. Ayothusi into yokuba esinye sezitshixo kutyalo-mali olulungileyo linqanaba lokwenza ngokwezifiso.
Kuzo naziphi na izicwangciso zotyalo-mali ezixabisa ityuwa yazo, kuyakufuneka ukuba unikele ingqalelo kwi-capital eyilondoloziweyo. Ukuba iphuhliswe phantsi kwexabiso eliphantsi okanye ngokuchaseneyo ugqibe ekubeni unikezele ngaphezulu kwelifa lomntu nelifa lemveli. Kwimeko nganye, kuya kufuna izikhokelo zokuziphatha eziya kwahluka, hayi kwiifom kuphela kodwa nakwinto ebaluleke ngakumbi, ongumxholo. Ngesi sizathu sichanekileyo akunakuthethwa ukuba sinye kuphela isicwangciso utyalomali, kodwa ngokuchaseneyo zininzi kwaye zahlukile ngokwendalo. Baya kulungelelanisa iprofayili yabatyali mali abancinci nabaphakathi: bayazikhusela, baphakathi okanye baba ndlongondlongo.
Icebo lotyalo mali: inkcazo
Kodwa kuqala kwiinto zonke, kuya kufuneka unike ingqalelo ukuba iyintoni na intsingiselo yayo yokwenyani, ukuze ngale ndlela ube nakho ukuyisebenzisa ngokuchanekileyo. Ewe, xa sithetha ngobuchule botyalo-mali asibhekiseli ku iseti yemigaqo, indlela yokuziphatha kunye neenkqubo, yenzelwe ukukhokela umtyalomali ekukhetheni iphothifoliyo yezokhuseleko. Ngenxa yoku, uyakufumana utyalo-mali lwakho lucwangciswe ngcono ukusukela ngoku. Kungenxa yokuba kufuna uqeqesho lokuqhuba ezinye zezi nkqubo ukonyusa iiasethi zakho ngendlela efanelekileyo.
Ukusuka kule meko ngokubanzi, nasiphi na isicwangciso-qhinga sotyalo-mali ikakhulu sisebenza kugcino, ngaphandle kokuphazanyiswa izixhobo zemali zexesha elifutshane. Kodwa ngophawu oluchazwe kakuhle kwaye ekufuneka uluthathile ingqalelo ukusukela ngoku ukuya phambili kwaye oko kukuthi kufuneka ugcine uqeqesho kude kube ufezekise ezona njongo zakho zibalulekileyo. Oku kuyenzeka kuthetha ukuba kuya kufuneka uhambelane ngakumbi kunaphambi kwesicelo sakho. Soloko isekwe kwiimfuno zakho zokwenyani kwaye kunjalo kwiminqweno yakho njengomtyali mali omncinci nophakathi.
Zeziphi ezona zibalulekileyo?
Isicwangciso esilungileyo sotyalo-mali asizukugqitywa ukuba uyazibuza lo mbuzo ufanelekileyo. Hayi ngelize, ngulo uya kunika iimpendulo kwiinkxalabo zakho njengomtyali mali nakwiindawo ezahlukeneyo. Kuba ngoku, inokuthi ijolise kwiimveliso ezahlukeneyo okanye iiasethi zemali. Umzekelo, kugxilwe kwiidipozithi zebhanki, kukhangelwa imbuyekezo eqinisekisiweyo okanye nakwiimodeli zotyalo-mali ezibizwa ngokuba zezinye. Kungenxa yokuba ukujolisa kwimpahla yorhwebo okanye kwiimarike zesinyithi ezixabisekileyo nazo zibandakanyiwe koko kubizwa ngokuba zizicwangciso zotyalo-mali. Nangona eneempawu kwaye, ngaphezulu kwako konke, iindlela ezahlukileyo ngokubhekisele kwezinye iintlobo zotyalo-mali ngokwesiko okanye oluqhelekileyo.
Ukusuka kolu luvo kutyalo-mali, awuzukukhetha ngaphandle kokuchaza indlela ofuna ukuba utyalomali lwakho luvele ngayo le mizuzu. Ukuze zikhutshelwe ngokuchanekileyo kwaye ungafikelela ukuhlangabezana neenjongo zakho eziphambili. Apho, kuninzi lweziganeko, ezona ndlela-qhinga zifanelekileyo kufuneka zijolise kwixesha elide, kukwahlukahlukana kwepatrimony, kodwa kufuneka zilibale ngokhuseleko olusebenzayo lwemirhumo yakho yemali. Kungenxa yokuba ungalibali ukuba ukugcina imali etyalwe ikwisicwangciso-qhinga sotyalo-mali. Ingakumbi xa iimeko zentengiso yezemali zinganqweneleki kwaphela.
Umthetho wonikezelo kunye nemfuno
Kubaluleke kakhulu ukuba uqaphele ukuba izicwangciso zotyalo-mali zinokutshintsha kakhulu ngokwesithembiso ephezulu okanye ephantsi yeebhanki kunye neemveliso zesintu. Oko kukuthi, kuxhomekeke ekubeni amaxabiso ezinto zexabiso asengqiqweni ukuzithenga okanye hayi. Akumangalisi ukuba oku kugqitywa kugqityiweyo kungakhokelela kuphuhliso lwezinto ezinokuthelekiswa okanye ezinobungozi ezinje ngemakethi yesitokhwe okanye ezinye iimarike zezorhwebo. Ngelixa kwezinye iimeko, kuyakufuneka ukuya kwiimarike eziqhelekileyo. Umzekelo, idipozithi yebhanki yesivumelwano, amanqaku ezithembiso okanye iimveliso ezinempawu ezifanayo.
Ukubuya kutyalo-mali kuya kuba yenye yeenjongo eziphambili kuso nasiphi na isicwangciso sotyalo-mali. Ngenxa yoku akuyi kubakho khetho ngaphandle kokuhlalutya iimveliso kunye nemeko yokwenyani yeemarike zezemali. Ukujonga ukuba yeyiphi eyona ifanele umzuzu ngamnye. Kuba, enyanisweni, enye into yokuvavanya kukuba enye okanye enye imveliso yezemali iya kuhlala icebisa ngakumbi. Kuya kuxhomekeka kwizinto ezininzi kwaye enye yezona zibalulekileyo yile inento yokwenza nexesha lotyalo mali. Kuba ngoku inokuba kukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kwaye kwiintsuku kamva olona khetho lubalulekileyo kutyalo-mali kwizinyithi ezixabisekileyo.
Iindlela ezinamasheya kwimarike yemasheya
Ngokusekwe kwezi zimvo ngokubanzi, olu hlobo lwesicwangciso-mali kufuneka silawulwe ziinjongo ezimbini ezisisiseko. Kwelinye icala, phucula inzuzo yezinye iimveliso zezemali kwelinye icala, khusela igalelo lezoqoqosho phantsi kwenkqubo efanelekileyo. Ayothusi into yokuba impumelelo yokwenyani yokusebenza iza kuxhomekeka ekusetyenzisweni ngokuchanekileyo kwezi nkqubo zimbini kwaye nasiphi na isicwangciso sotyalo-mali ekufuneka sigxile kuso. Okukhona ucwangcisa, kokukhona kuya kuba ngcono kwiminqweno yakho kunye neyasekhaya, njengoko uya kuba nakho ukwazi ngamava akho ngaphambili.
Kwelinye icala, ukuba nezicwangciso ezifanelekileyo zotyalo-mali kukuvumela ukuba ufikelele kwiinjongo ezicwangcisiweyo. Ukuza kuthi ga kwinqanaba lokuba uza kusondela ekuveliseni ifayile ukubuya okungcono kwasekuqaleni. Nokuba yeyiphi na iprofayile njengomtyali mali ophakathi nophakathi oyinikezelayo kwinqanaba ngalinye lobomi bakho. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko. Akumangalisi ukuba esi sesinye sezitshixo kwisicwangciso esilungileyo sokutyala imali. Kuba zininzi kakhulu onokuthembela kuzo kwezi zihlandlo zichanekileyo.
Ngaba ungasiguqula esi sicwangciso?
Olunye umahluko ekufuneka uyazi ukusukela ngoku kukuba iindlela zotyalo-mali azinakushukunyiswa. Ewe akunjalo kwaye nangaliphi na ixesha kwaye imeko ungayitshintsha indlela oziphethe ngayo kwiimarike zezemali. Nangona ngaphandle kokusebenzisa gwenxa le nkqubo kuba inokukhokelela kwiimeko ezingafunekiyo ngokwenene ukukhusela ezona mfuno uzifunayo. Kuba ngale ndlela awungekhe ulibale ukuba kulula kangakanani ukuba ezi zicwangciso zijongwa rhoqo ngexesha elithile. Malunga neminyaka emibini okanye emithathu ukukhokelwa.
Kwelinye icala, ingcebiso encinci kolu hlobo lwesimo kukuvavanya iinjongo xa ubona ukuba ulindelo lotyalo-mali aluzalisekiswa. Kodwa ngakumbi xa ezi ndlela abafumani ziphumo zicwangcisiweyo. Hayi ngelize, iya kuba ngumzuzu okhethekileyo kakhulu apho kuya kubakho ukufuneka ukusebenzisa iimeko ezingalindelekanga ezicwangcisiweyo. Ngayiphi na imeko, ukuba awuqinisekanga okanye awazi ukuba kwenzekani, ayisosisombululo silungileyo sokutshintsha iindlela zakho zotyalo-mali. Kungenxa yokuba iimpembelelo zayo zinokuba yingozi ngakumbi kwimidla yakho yobuqu.
Fumana eyona nzuzo ilungileyo
Ukusuka kule meko, zonke izicwangciso zakho kufuneka ziye ngokuzama ukufezekisa eyona nzuzo ininzi. Kodwa ukuhlonipha ngalo lonke ixesha, ixesha lokudibana kweemarike zezemali, ekugqibeleni lelona liya kuthi linyanzelise ukuvela kwepotifoliyo yakho yotyalo-mali. Nokuba siphi na isicwangciso osisebenzisayo kwimeko nganye kwiimarike zemali ezikhoyo. Ukuze ngale ndlela, isimilo sepotifoliyo yakho yotyalo mali iphezulu kunaleyo imiselwe yimeko yezoqoqosho. Ewe kunjalo, esi sisitshixo sokusebenzisa esona sicwangciso silungileyo sokutyala imali. Ngaphezulu kwezinye iinkqubo ezingenazinjongo kwaye apho inzuzo ingongami ngaphezu kwayo yonke enye into.
Ngale nkcazo uya kube uyiqonde ngcono imvelaphi yeli nqaku. Ukuya kwinqanaba lokuba ungayisebenzisa ukuphucula izibonelelo zotyalo-mali lwakho ukusukela ngoku. Yeyiphi le nto imalunga nayo, kwaye kuya kuba nzima kangako kuwe ukuyiphumeza ngomzamo omncinci kunye nethamsanqa elincinci. Kungenxa yokuba awukwazi ukulibala ukuba sithetha ngemali. Kwaye ezi mpawu zibaluleke kakhulu ezinxulunyaniswa nempumelelo ethile kolu didi lweeasethi zemali. Ngaba uzimisele ukulandela ezi ngcebiso?