Iindlela zokuqala ukutyala imali kwimarike yemasheya

izitshixo Ewe kunjalo, abatyali mali abanamava ngakumbi kwiimarike zezemali baya kuba neengxaki ezimbalwa tshintsha utyalomali lwakho ngokuchanekileyo Kwiinyanga ezimbalwa ezizayo. Ngokuchanekileyo abo bangakhange batyale imali yabo kwiimarike ze-equity eli nqaku elijolise kulo. Eyona njongo iphambili yokuba bakwimeko ezintle zokukhusela ukonga kwabo ubomi. Kwaye ukuba kunokwenzeka ngee-max Ukufumana imali enkulu kunokwenzeka, nangona oku sele kuya kuxhomekeka kwizinto ezigabadeleyo kwaye okwangoku ngekhe kuchukunyiswe ukugxila kule nxalenye ibalulekileyo yentengiso yemasheya.

Ukuqala, akukho mathandabuzo okuba ngokukodwa zi kwabasaqalayo engxoweni Abasebenzisi abanokwenza iimpazamo ezininzi kwimisebenzi yabo kwiimarike zezabelo. Ukuya kwinqanaba lokuba i-euro ezigqithileyo zinokushiyeka endleleni kwaye le yinto ekufuneka ithintelwe ngaphezulu kwezinye izinto eziqwalaselweyo zobuchwephesha. Ezi ngcebiso zijolise kubo, eziza kubanceda ukuba benze ngokusemthethweni imisebenzi yabo yentengiso yesitokhwe. Ngezikhokelo ezilula zamanyathelo anokuqondwa ngumntu wonke kwasekuqaleni.

Ingakumbi kwiimarike zamanye amazwe eziza kubakho eguquguqukayo kakhulu ukusukela ngoku ukuya phambili kwaye apho ukuthintela kufuneka kube yeyona nto iphambili kubo. Ngenxa yokuba kuya kuba nzima kakhulu kutyalo-mali kwimarike yemasheya ukubuyela ekunikezeleni iziphumo ezigqwesileyo zeminyaka edlulileyo. Ukuba akunjalo, ngokuchaseneyo, baya kuhamba kwindawo enzima ngakumbi. Apho abatyali mali abanamava amancinci kurhwebo lwesitokhwe baya kuba yeyona nto ibalulekileyo ukuba imeko ngokubanzi ibinganyusi. Njengoko kwenzekile oko ukusukela ngo-2013, apho ukonyuka okuqhubekekayo kwiimarike zamasheya zamanye amazwe bekubonakalisa ubunyani beemarike zezemali.

Izitshixo zabatyali mali abatsha

abatyalo-mali Kule meko ngokubanzi, ngabatyali mali abanamava amancinci kwiimarike zezabelo ezenza njalo. zinokwenzeka kakubi ukusuka kwikota yesine neyokugqibela yonyaka. Kungenxa yokuba, ukuba wenza uthotho lwezenzo, isikhundla sakho kutyalo-mali siya kusebenza ngakumbi ukuze ibhalansi yeakhawunti yakho inyuke kancinci kancinci. Ngale ndlela banokukonwabela oku kuzuziweyo kwemali eyinzuzo yabo. Oko kukuthi, emva kwayo yonke loo nto, injongo yokuhamba kwakho, nokuba yeyiphi na i-asethi eyimali ekhethiweyo yokwenza naliphi na inyathelo kwiimarike zezemali.

Ukusuka kule ndlela yokuqala, iya kuba ngumsebenzi oya kuthi ayiyi kuba sengozini Kwaye inokuthi kwinqanaba elithile okanye kwenye ayizukukhula njengoko bekulindelwe kwasekuqaleni. Nangona kunjalo, isitshixo esongezelelweyo iya kuba kukuba esi sicwangciso sinokwenziwa kunye nedosi elungileyo yoqeqesho. Iya kuba yinto eya kuthi ekugqibeleni igqibe kwelokuba iziphumo zokugqibela zomsebenzi zizinzisiwe ngophawu oluqinisekileyo. Iya kuba yeyona ilungileyo imiqondiso yokuba ukwazile ukufezekisa iinjongo zakho kwilizwe elisoloko linzima lotyalo-mali.

Injongo yokuqala: ungalindeli imimangaliso

Amanyathelo okuqala kufuneka ajolise ekungafini sisityebi kwiintsuku ezimbalwa. Akumangalisi ukuba esi sicwangciso sinokukukhokelela yenza iimpazamo ezininzi Kunokuba kulindelwe kumtyalomali onamava athile kwiimarike zezabelo. Endaweni yoko, ukutyala imali kwisitokhwe kufuneka kwakhiwe ngokudibanisa umonde omncinci kunye nesicwangciso esithile. Ixhala alililo iqabane elifanelekileyo lokuhamba kubatyali mali abancinci nabaphakathi. Imizekelo emininzi ingangqina kuwe ukuxhasa le meko, apho abanye babahlobo bakho abasenyongweni banokufumaneka khona.

Kwelinye icala, le nkqubo yotyalo-mali ixhaphake kubantu abaninzi inokukhokelela esiphelweni ukuba uchithe indawo elungileyo yosapho lwakho okanye izinto zakho zobuqu. Kuba ngale ndlela, Ukunqwenela inokuba yenye yeentshaba zakho eziphambili ukulawula yonke imali ekufuneka uyisebenzisile kutyalo-mali. Endaweni yoko, ubulumko kunye nengqondo efanelekileyo kufuneka zongamele ezinye izinto zobugcisa. Le nto yinto ekufuneka uyenzile ngokukhawuleza ukuba awufuni ukwenza iimpazamo ezinkulu.

Injongo yesibini: funda

bafunde Akukho ndlela ibhetele yokwenza ukonga kunokwazi ngaphezu kwayo yonke into eyenzekayo nehlabathi lezabelo. Ngale nto ayinamsebenzi ukuba uyabonisana neengcali zokwenyani, nokuba kukwibhanki yakho yesiqhelo. Kukho nawuphi na, ungenzi mpazamo malunga nokuba ngumtyalomali oyinyaniso kufuneka ufundise kwaye uqonde ukuba isebenza njani imarike yemasheya. Kulapho ke kukho isitshixo sokuzisa iziqhamo kwiingcinga onazo kwicandelo lotyalo-mali. Ayinamsebenzi ukuba yeyiphi na intengiso ojolise kuyo, kodwa ngokuchaseneyo, eyona nto ibalulekileyo ziziphumo zomsebenzi

Kwelinye icala, kufuneka uqonde ukuba esi sicwangciso sotyalo mali sihlala kwinto yokuba zemali Sesona sixhobo silungileyo sokuzikhusela kwezi meko zinokuvela ukusukela ngoku. Ngale ndlela, kungcono uchithe iiveki ezimbalwa okanye iinyanga ezimbalwa xa kukho imfuneko yokuhlangabezana nale mfuno ibalulekileyo. Kungenxa yokuba, ukuba ubonelela ngenkcubeko enkulu yezemali, uya kuba nakho ukufikelela kwiziphumo ezingcono kuyo yonke imisebenzi oza kuyenza ukusukela ngoku. Le yinto ekufuneka ubenayo ukusukela ngoku.

Gcina imali ongayifuniyo

Omnye wemithetho yegolide yabaqalayo usekwe ekucingeni ngaphezulu kwako konke ukuba akukho khetho ngaphandle kokutyala imali ayidingi kwixesha elifutshane. Kuba usengozini, nokuba wenza imisebenzi eyoyikisayo kwimarike yemasheya okanye, ngokuchaseneyo, ushiye i-euro eninzi endleleni ngenxa yeemfuno onokuthi ube nazo kulawulo loqoqosho lwakho lwasekhaya. Ukusuka kwiindleko zerhafu ukuya kwezo zifunyenwe kulondolozo lwasekhaya. Awunakukhetha nto ngaphandle kokwaba yonke imali ongayifuniyo kwixesha elingaphezulu okanye elingaphantsi.

Ukusuka kule meko ngokubanzi, kubaluleke kakhulu ukuba wena iingxelo zenkampani apho ufuna ukutyala imali. Wazi amanani abo, imikhwa yabo, ukhuphiswano kunye nayo nayiphi na into ebaluleke ngakumbi okanye engaphantsi kwaye inceda ukuqikelela ukusebenza kotyalo-mali lwakho. Ngale ndlela, ulwazi olulungileyo lunokuba yindawo efanelekileyo yokuxhasa ukufezekisa iinjongo zakho ngokuthe ngqo okanye ngaphantsi. Oko kukuthi, emva kwayo yonke loo nto, yintoni malunga nokungcakaza ngemali yakho. Into yokucinga ukuba kufuneka uthembele kulwazi olulungileyo malunga neemarike zezabelo.

Beka iinjongo ezincinci

iinjongo Nokuba yeyiphi indlela, enye ye imigaqo esisiseko Ukufezekisa iinjongo zakho kwiimarike zezemali, kubalulekile ukuba ngaphezu kwako konke ukuseka iinjongo zotyalo-mali kwaye emva koko uchaze ukuba kubhetele na kuwe ukulandela iindlela-mfutshane, eziphakathi okanye zexesha elide. Kuxhomekeka kwiimfuno zakho njengomtyali mali omncinci nophakathi kwaye kwimeko nganye iya kwahluka ngokupheleleyo. Ukuya kuthi ga kwinqanaba apho esinye okanye esinye isicwangciso sotyalo-mali siya kufuna. Nokuba ziindlela ezinobundlobongela okanye izikhokelo zokuzikhusela okanye zokuzigcina. Kuba ekupheleni kosuku iya kuba nguwe omkhethayo.

Kwelinye icala, akukho nto ingabalulekanga kangako iya kuba yinto yokuba kuya kufuneka ufunde ukuphatha ulwazi kwaye wenze izigqibo ezizakubaluleke kakhulu epokothweni yakho. Ngale ndlela, unokuqokelela ulwazi oluhlukileyo amajelo onxibelelwano. Ukusuka kwimithombo yeendaba ekhethekileyo kwiimarike zezemali, abathengisi bezitokhwe kwaye kunjalo ke kwezona zinto zintsha zibhengezwe kwi-Intanethi. Ngazo zonke unokulawula ipotifoliyo yakho yotyalo-mali ngesolvency engaphezulu kunangoku. Ngokujonga ngakumbi kunokuba luncedo kakhulu ekwenzeni ezona zigqibo zibalulekileyo malunga nento ekufuneka uyenzile ngemali yakho. Into ekungasoloko kulula ukuyibona kwangaphambili okanye ukuyifaka.

Ukulandelela iikowuti

Ngengqondo enye okanye enye, abatyali mali banokukhetha kuluhlu olubanzi lwamajelo olwazi ukufumana imeko yotyalo-mali lwabo ngokusekwe kwiimfuno zabo. Phakathi kwazo kubonakala ngaphezulu kwako konke ukufikelela kwi iinkonzo zeteknoloji ezintsha amaziko ezemali abonelela abathengi bawo namhlanje. Ngendlela yokulandela ngokugqibeleleyo iseshoni nganye yokurhweba inokufezekiswa kubo ukusuka kwibhar yaselwandle okanye mhlawumbi kwindawo ekude. Akusekho mida ukuze urhwebe kwimarike yemasheya naphina emhlabeni.

Kwelinye icala, awungekhe ulibale ukuba ngokusebenzisa ii-odolo ezinemiqathango uya kuba nakho ukuphumeza iinjongo. Ukuya kuthi ga kwinqanaba lokuba bazirhoxise iindawo zokuthenga ngexabiso elithile. Kulula kakhulu ukuzisebenzisa kwaye ziya kuvumela umsebenzisi ukuba achithe iintsuku ezimbalwa ngoxolo olupheleleyo lwengqondo kwindawo abaya kuyo, esazi ukuba iodolo yabo iya kunyanzeliswa. Logama nje befikelela kwixabiso esele silinikeze ukuthengisa izabelo, banokufana, umzekelo, kunye nenqanaba lokumelana.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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