Izifundo ezili-10 zotyalo-mali kubarhwebi

kubathengisi

Umsebenzi wabarhwebi ukhethekileyo kwaye ufuna unyango olwahlukileyo. Hayi lilize, baxhomekeke kwezinye ixesha elifutshane kakhulu lokuhlala. Ukuza kuthi ga kwinqanaba lokuba imisebenzi yabo ifune iindlela ezininzi zokucacisa ukunqanda ukwenza iimpazamo ezinokuthoba ubunzima kwiintshukumo ezivulekileyo kwiimarike ze ngeniso ekhoyo. Awungekhe ulibale ukuba abarhwebi ngabatyali mali abanamava amaninzi kule klasi yokusebenza kwesitokhwe.

Ngayiphi na imeko, ukuba unomdla wokwenza olu hlobo lwemisebenzi ekhethekileyo, unokuba nezikhokelo ezilula zezenzo eziza kukunika iimpikiswano ezingaphezulu kwesinye zokuvula izikhundla kwiimarike zezemali ukusukela ngoku. Uya kudinga zisebenzise ngoqeqesho oluninzi kunye nomdla omncinci wokuphucula ukufunda kwakho kwilizwe elisoloko linzima lemali. Kuba, enyanisweni, akukho ndlela zokupheka zobugqi ezenza ukonga kunenzuzo kuzo zonke iimeko kunye neemeko

Awungekhe uyilibale loo nto umngcipheko wale misebenzi ziphakame ngokukodwa kunamanye, amagama aphilileyo. Kuba oomatshini bayo, kokubini ekuthengeni nasekuthengiseni, bahlukile. Bafuna igazi elibandayo elikhulu kwinxalenye yabatyali mali abancinci nabaphakathi. Into enokuthi ingabinabo bonke inokuba negalelo kumandla afanayo. Apho iimfuno zemali, ixhala okanye umnqweno wokufikelela kwiinjongo kungekudala kunokudala enye ingxaki kulwenziwo lomsebenzi kwiimarike zesitokhwe.

Abarhwebi: khetha izitokhwe ezingazinzanga

Elinye lamaqhosha okwenza ngokuchanekileyo le misebenzi lilele ekukhetheni amaxabiso akhethekileyo ukwenza le ntshukumo. Azikho ezinye ngaphandle kwezo zibonisa ukuguquguquka okukhulu kwikoteyishini yamaxabiso abo. Umahluko obanzi phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Njengaleyo ukuze uhlengahlengise amaxabiso wentengo kunye nentengiso. Ukuya kwinqanaba lokuba kuya kukuvumela ukuba uzenze kwiseshoni efanayo yorhwebo ngokusebenza ngokupheleleyo. Ukuze ukwazi ukuvelisa inzuzo ngokukhawuleza okukhulu kwaye ungonwabela inzuzo yakho ngexesha elifutshane.

Thatha ithuba lokuphucula

ukunyusa

Ukuba ufuna ukuphumelela kolu hlobo lokurhweba olukhawulezayo, awuzukukhetha kodwa uthathe ithuba lokunyuka okuphezulu kwiimarike zezabelo. Kuba ngokwenyani, iya kuhlala ininzi Kulula ukuhlangabezana neenjongo zakho kwezi meko. Ewe, ngaphezulu kwe-downtrend okanye nkqu ecaleni. Kungenzeka ukuba ngaphezulu kweeyure ezimbalwa uzokwazi ukugqitha kwiinjongo oziphakamisileyo xa uqala utyalomali. Ukongeza, kuya kuba lunomdla kakhulu ukuba amaxabiso akhethiweyo athobele olu phawu lukhethekileyo. Nangona kunjalo, eli candelo liya kuthetha ukuba awukwazi ukwenza olu hlobo lomsebenzi unyaka wonke.

Hlonipha inkxaso

Esinye isixhobo esinokukunceda ube ngomnye wabarhwebi abaphumeleleyo kukuhlonipha ezinye zeendawo ezinamaxabiso afanelekileyo. Ngale ndlela, esona sisombululo sisiso kukuba ukhuseleko olukhethiweyo aluzophuli inkxaso abanayo kwixabiso labo. Kungenxa yokuba ngale ndlela, unokubandakanyeka kwiimeko ezingathandekiyo kwimicimbi yakho. Ngenxa yokuba amaxabiso esitokhwe angawa nzima ngakumbi. Kwaye ngenxa yale ntsebenzo ndikubone ubambeke kwizikhundla zakho. Ngamathuba amaninzi okuba ngendlela engenakuphikiswa. Kungenxa yoko le nto kubaluleke kakhulu ukuba ubambelele kula manqanaba amaxabiso. Into efanayo malunga nento ekufuneka uyenzile ekuchaseni, nangona zizicwangciso ezahlukeneyo.

Igazi elininzi elibandayo

Lo mgangatho akufuneki usilele kuyo nayiphi na imisebenzi oyenza ngokusesikweni ukusukela ngoku. Kungenxa yokuba xa ubona ukuba awuzukukwazi ukuwuthobela, kungcono uyeke ukuthatha isikhundla kwimisebenzi ngokukhawuleza njengaleyo imiselwe abathengisi. Awusoze ulibale ukuba impazamo kwesi sicwangciso inokubangela ilahleko enkulu kwibhalansi yakho yokujonga. Kuya kufuneka uthathe ukhathalelo olukhethekileyo kwaye ngokuqinisekileyo ungaphezulu kokusebenza ixesha elide kwaye yenzelwe ixesha eliphakathi nelide. Ungalibali ukuba awufuni kuba nesothuso esibi esingaphaya kwesinye malunga noku. Kungenxa yoko le nto kubaluleke kangaka ukungenisa amandla aphezulu engqondo ekufuneka uyizise kwimisebenzi yakho kwizabelo.

Awuyi kuba ngusozigidi kwimizuzu embalwa

umgidi

Ewe kunjalo, ukuba umbono wakho uza kuba ngusozigidi kulolu hlobo lomsebenzi, ngokuqinisekileyo wenze isicwangciso esiliqili sokutyala imali. Ngenxa yantoni imalunga nokwenza inzuzo, akukho enye into. Nangona oku kungonelanga kulindelo lwakho njengomtyalomali omncinci nophakathi. Kwimisebenzi eyenziwa ngabarhwebi, iinzuzo ezinkulu onokuzifumana azimangalisi. Ngaphandle kokuba, ewe, igalelo lakho lezemali liqinile. Kodwa le ayisiyonto ixhaphakileyo phakathi kweklasi yabatyali zimali abaya kwelona gama lifutshane. Hayi ngelize, awungekhe ulibale ukuba kuya kubakho iindawo ezininzi ozivulayo unyaka wonke. Into eya kuthi ichonge iprofayile yakho njengomtyali mali wevenkile.

Ubuchule kwimisebenzi

Kuya kufuneka ulungele ukunika isantya sokuhambahamba kwimisebenzi yakho kwiimarike ze-equity. Ukuze ngalo mzuzu ungqalileyo xa ukwindawo yokuphumelela, ukhethe ukufaka ukuthengisa. Ngaphandle kokucinga ukuba ungafumana imali ethe kratya ngokusisigxina. Njengoko ubona, uninzi lwabarhwebi lukugqibezela ukuhamba kwabo kwiiyure ezimbalwa, kwanemizuzu embalwa emva kokuba bethengile. Ukuze ngale ndlela, uye kwamanye amaxabiso kwimarike yemasheya ukuya Phinda iqhinga elifanayo lotyalo-mali. Ke kaninzi kangangoko ufuna ngokuxhomekeke kwiinjongo ozilandelayo. Ayothusi into yokuba yenye yeempawu ezichaza abathengisi bempahla elungileyo.

Nika xa wenze impazamo

Inokwenzeka, kwaye iphindaphindwe kakhulu, ukuba unokwenza impazamo xa uvula imisebenzi. Kule meko, awuzukukhetha ngaphandle kokwenza isigqibo kwaye thengisa izabelo zakho. Nokuba bayalahleka. Ukufumana le mali kwimisebenzi elandelayo oza kuyenza ibe semthethweni, nakwiseshoni enye yokuthengisa. Yinto leyo ukuba ngokomgaqo ungakhathazeki kakhulu kuba kuya kubakho imisebenzi emininzi oya kuyenza inyanga nenyanga. Ekugqibeleni, okubandakanyekileyo kukuba ukubalwa ngokubanzi kwemisebenzi kulungile. Le inokuba yenye yeenjongo ekufuneka usete ukusukela ngoku ukuya phambili. Akufanele uhlalutye imisebenzi ngokukodwa, kodwa ngokuchaseneyo kwiqela labo.

Lumkela amaxabiso asezantsi

xabiso

Ngayiphi na imeko, ulumkiso kufuneka lusebenze kumaxabiso angabonakaliyo. Ngokukodwa abo bathengisa ngaphantsi kweyunithi ye-euro. Isizathu kulula kakhulu ukuba sichaze kuba banomahluko omncinci kakhulu kumaxabiso abo, kunzima kakhulu ukuhlengahlengisa ukuthengwa kunye nentengiso. Yintoni egqithisile, amatyala ayo amancinci inokuthintela ukusebenza ekubeni kwenziwe. Ubuncinci phantsi kwamaxabiso owafunayo. Esi sisithintelo esinzulu ekufuneka usivivinye ukuba ufuna ukwenza imisebenzi phantsi kweemeko zabarhwebi. Ngokuchasene noko, kulunge ngakumbi ukuba unomdla wokukhetha ezona zikhuselekileyo zolwelo kwiimarike zezemali. Kwaye baveza amaxabiso akuvumela ukuba usebenze nabo ngokulula ngakumbi kwaye ngokuqinisekileyo uya kwenziwa ngokusesikweni kwiimarike zesitokhwe.

Ukufunda kule misebenzi

Kuzo zonke iimeko, awuzukukhetha ngaphandle kokubonisa ulwazi oluphezulu kakhulu lokuba zeziphi na ezi zinto zisebenzayo. Awungekhe uqalise nangaliphi na amava okanye ngokuswela ulwazi lokuba yintoni urhwebo. Kukudlula kweminyaka kuphela apho uya kuthi ufumane ixabiso elikhulu kwiprofayili yakho njengomtyali mali omncinci okanye ophakathi. Kwelinye icala, unokuvelisa la mava otyalo-mali ngokulinganisa imisebenzi. Kude kube ekugqibeleni bakwindawo efanelekileyo yokuthenga nokuthengisa izabelo zokhuseleko lwezabelo. Ndiqinisekile ngokupheleleyo ukuba kwibhanki yakho uya kuba nakho ukufikelela kwezi njongo. Ukuthenga nokuthengisa phantse, kwaye ngaphandle kokuchaphazela ibhalansi yeakhawunti yakho yokujonga.

Sebenzisa ireyithi ethe tyaba

Umbono osebenzayo wokuba ngomnye wabarhwebi abaninzi abasebenza kwimarike yemasheya kukuqesha umrhumo othe tyaba oza kusebenza kwiimarike zemali. Iya kuba yimali eninzi ongayigcina ngokomxholo wekhomishini yentengiso yesitokhwe. Kuba uya kuba nenqanaba elifanayo, nokuba ungakanani inani lomsebenzi owenzayo inyanga nenyanga. Ukuya kwinqanaba lokuba isohlwaya kuphela iintshukumo ezimbalwa ngabasebenzisi. Kuba, ngenene, ixabiso lexabiso eliphantsi Amanqanaba aphakathi kwama-20 ukuya kuma-30 ee-euro rhoqo ngenyanga. Isebenza ngokusebenza kwiimarike zesizwe, kuba kwiimarike zamanye amazwe kukho ukwanda okuncinci. Ngayiphi na imeko, sisixhobo esiluncedo kakhulu ukugcina iindleko zotyalo-mali. Ukuze ngale ndlela, inzuzo onokuthi uyenze kwiakhawunti yakho yezokhuseleko inesisa ngakumbi. Hayi ngelize, yimodeli ehlengahlengiswayo linani elifanelekileyo labarhwebi abaqeqeshiweyo kunye nabalulamileyo.


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