Iholide zasehlotyeni zilapha kwakhona, kwaye ingxaki engunaphakade malunga nokuba zeziphi iimveliso eziza kuba luncedo ngakumbi ekwenzeni ukonga kunenzuzo. Ngale ndlela, sebenzisa le mihla yokuphumla ilungele ukubanika ixesha lokuzonwabisa kunye nokugcina ubuhlobo. Lixesha lonyaka elifuna ezalo iimpawu zokonga imali ngeziqinisekiso ezaneleyo. Kwaye ukuba inokulungiswa nge ukusebenza okungcono. Ngayiphi na imeko, iya kuba yinto elula ukudibana nayo ngenxa yemeko ekhethekileyo eboniswa kulo nyaka. Nangona kuyakufuneka uzame, akukho enye indlela yokuphucula ibhalansi yeakhawunti yakho yokujonga.
Ukhuseleko nokonga imali kufuneka ibe yeyona nto iphambili kwizenzo zakho. Ndiyazi ukuba yeyiphi iprofayile oyivezayo njengomtyali mali omncinci okanye ophakathi. Ayilolize, kuya kuba kokufanelekileyo ukuthobela imirhumo yangaphambili kunokuba ufune inzuzo egqithisileyo. Kwelinye icala, kuya kuba nzima kakhulu kubo ukuba bavele kwimeko engathandekiyo kangangeenyanga zasehlotyeni. Yinto ongenakukwazi ukuyichasa, kwaye kuncinci ngeli xesha lokuzilolonga.
Iya kuba ziiveki ezimbalwa, apho kuyakufuneka ulahlekelwe ngaphezulu kokuphumelela, ungalibali nangaliphi na ixesha, kuba iya kuba yimali yakho esesichengeni kule ngxaki onokuyenza kwiimarike ze-equity. Kwaye emva kweholide Unemali enkulu yokutshekisha, okanye ubuncinci kwimeko efanayo. Ujongene nale meko ikhethekileyo, awuzukukhetha ngaphandle kokuzikhusela ngakumbi kwimidlalo yakho.
Utyala phi?
Yindlela yokuqala ekufuneka uyenzile, kwaye akukho lula ukuyisombulula. Yayo, kuyakubaluleka ukuba uzibekele iinjongo ezithile ezisisiseko, kodwa ngokwembono eyiyo, kwaye hayi kwaphela. Ngale ndlela, uya kube ushenxisa izicwangciso ezithile zotyalo-mali ezingayi kuba zilunge kwaphela kwezi zinto uzimiseleyo phambi kokuba uye ekhefini, kunye nosapho lwakho okanye abahlobo.
Isicwangciso esiliqili: Enye yeenjongo zakho ngeli xesha lonyaka kukugcina imali. Kwaye yeyiphi indlela ebhetele kunedipozithi yexesha elifutshane, phakathi kweenyanga ezi-1 ukuya kwezi-3, onokuthi ngayo wonge imali encinci. Ukwenza ukungahambi kakuhle kwezi mveliso zebhanki, unokuxhomekeka kwizibonelelo zabathengi abatsha abaphuhliswe ziibhanki kwaye Banika inzala kufutshane ne-2%. Ukongeza ekufumaneni imbuyiselo emiselweyo neqinisekisiweyo, uya kuba nemali efanelekileyo yokuhlawula into enokwenzeka kuwe kwezi ntsuku.
Kwaye awunakukhathazeka ngokupheleleyo malunga nokuvela kweemarike zezemali, kuba kuya kufuneka ulinde kuphela ukukhula kwabo ukuqokelela inzala ekuvunyelwene ngayo. Uya kuba nexesha kamva lokuqhuba olunye utyalomali olunzima, ukuba ufuna ukuphucula imida yenzuzo ekusebenzeni. Ngexesha lasehlotyeni akuyi kuba lixesha elifanelekileyo.
Isicwangciso esiphakathi: ungasoloko usebenzisa iimali ezixubeneyo zotyalo-mali ukunyusa ikapitali yakho. Ukudibanisa ingeniso esisigxina kunye nengeniso eyahlukileyo ngeephothifoliyo ezibonelelwa ngoku ngabaphathi botyalo-mali. Ngale ndlela, uya kuba nakho ukwandisa inzuzo yakho, kwaye ngaphandle kokuzibeka emngciphekweni ogqithisileyo kwiimarike zemali. Nangona kunjalo, olu bhethelo lotyalo-mali luya kufuna ixesha elithe kratya lokuhlala.
Kuxhomekeke kwiprofayili oyivelisayo, uya kuba nakho ukukhetha enye ye-asethi eyimali kunenye, nakwinxalenye oyibona ifanelekile. Ayothusi into yokuba ezi mali zivelisa iimali zolu hlobo ngeziqulatho ezahlukeneyo, ezithi baya kulungelelanisa neemfuno zakho, kwaye ngakumbi ngeentsuku zakho zokungabikho ngeli xesha lonyaka. Ukuba ufuna ukuzola, kwaye kwangaxeshanye uphucule izikhundla zakho kwiakhawunti yakho yokujonga, akufuneki uyilibale le ndlela yotyalo-mali.
Isicwangciso esiliqiliUkuba usafuna ukugcina isikhundla sakho kwizabelo, ungenza njalo, kodwa uzama ngazo zonke iindlela ukugcina imali. Uneendlela ezahlukeneyo zokwenza okusesikweni. Enye yezona zinto zilula kukufumana ukhuseleko olukhuselekileyo, kwaye ezingatyhilelwanga kukuhla okugqithisileyo kumaxabiso abo. Iinkampani zamandla yenye yeendlela onokukhetha kuzo kule meko. Bahlala bezinzile kwindlela abaziphatha ngayo kwintengiso yesitokhwe.
Ukhuseleko olunesivuno esikhulu sesinye sezinye iindlela onazo kweli hlobo lizayo ukuba awufuni ukuthatha umngcipheko ogqithisileyo. Y ukuba ungafumana inzala kufutshane ne-8% onokuyiqokelela rhoqo rhoqo ngonyaka. Ngayiphi na imeko, ngaphezulu kweyona mveliso iphambili yokonga ikunika yona ngoku (iidipozithi zexesha, amanqaku ezithembiso zebhanki okanye ityala loluntu, phakathi kwabanye).
Khusela ugcino
Ngayiphi na imeko, eyona njongo iphambili yemidlalo yakho kweli hlobo iya kuba kukugcina ilifa lakho, kwaye ngaphezulu kwezinye izinto ezintle. Kwaye kwesi sicwangciso zama ukwenza intsebenzo ethile, nokuba incinci kangakanani. Ngolumkiso olukhulu kunamanye amaxesha onyaka. Akumangalisi ukuba ukungazinzi kweemarike zezabelo kunokukukhathaza ekufezekiseni iinjongo zakho kwezi ntsuku zikhethekileyo ezenzeka minyaka le.
Ukuthintela ukuwela kwiimeko ezingathandekiyo kwiminqweno yakho, ngekhe kubekho ndlela ibhetele yokuziphepha kunokuba uzame ukuthintela iimpazamo onokuthi uzenze kwiminyaka edlulileyo. Ngokuqinisekileyo usifundile isifundo, kwaye iya kuba lixesha lokuyisebenzisa kwimidlalo elandelayo ukwenza ukuba imali egcinwe ibe yinzuzo. Ezinye zezona zibaluleke kakhulu ziya kuba zezi zilandelayo:
- Sukuzama ukufezekisa kwiiveki ezimbalwa ongakhange ukufezekise kwiinyanga ezininzi. Ukungabi namonde sisicwangciso esibi ukukhulisa utyalo-mali lwakho, kungaphantsi kweentsuku ezimbalwa ezizodwa njengale.
- Ayizukuba ngumbono ombi ndikunike iholide ezimbalwa ulibale ngayo yonke into enxulumene notyalo mali. Kuya kubakho ixesha elaneleyo, xa ubuya eholideyini, ukuze uqale kwakhona lo msebenzi ngamandla amakhulu, kwaye kutheni ungasebenzi kakuhle. Ngoku iyakuba lixesha lokonwaba, ngakumbi abahlobo.
- Ezona meko zibi kakhulu ezinokuziswa kuwe kukuthengisa iimveliso ezinoburharha, ezifuna ingqalelo egqithisileyo kwicala lakho. Ayililo ixesha lonyaka elilungele ukuba uzinikele ekubekeni esweni iiasethi zemali ezenza ipotifoliyo yakho yotyalo-mali.
- Ingayimpazamo enkulu cinga ngexesha elikhawulezayo okanye elinzima lokusisigxina Oko kungathintela ukusebenza kwiimarike ze-equity, nokuba kunokwenzeka ukuba kuveliswe ilahleko kwisithuba esifutshane sexesha.
- Kwezi veki icebo eliluncedo kakhulu liya kubandakanya faka umyalelo wokunciphisa iilahleko kuyo yonke imisebenzi yakho. Ngale ndlela, ucinga kuphela ezona pesenti ziphantsi zale misebenzi imbi. Ungalibali ukwenza ngokusemthethweni, njengoko kunokukusindisa ekuthatheni ngaphezulu kwesinye sothusayo kweli hlobo lizayo.
- Zama ukwahlula utyalo-mali lwakho ngazo zonke iindlela. Kulumkele ukugxila kuyo yonke imali kukhuseleko olunye okanye kwiasethi yezemali. Iya kuba lelinye lamajelo onokuthi ulondoloze imali ngendlela esebenzayo ngakumbi nangakumbi kwezi ntsuku.
Ezinye izimvo zotyalo mali
Ayisiyiyo yonke into egxile kwizabelo, kuba unazo ezinye iimveliso ukuhambisa imali ngendlela enengqiqo. Kwaye banokukunceda ukuba uphucule izikhundla zakho zeakhawunti xa ubuya eholideyini. Ukuba akunjalo, kodwa ubuncinci ukukunika i-whim engaqhelekanga ukusuka kwinyanga kaSeptemba.
Gcina imali yakho oyigcinileyo kwenye indawo idiphozithi ebotshelelwe kwizabelo. Kwelinye icala, uya kuba nembuyekezo ethembekileyo neqinisekileyo. Kwaye kwelinye, ungalandisa ukuba iimeko zesivumelwano zifezekisiwe. Uninzi lweebhanki luzisa iimveliso zezi mpawu ngesibonelelo esibanzi.
Ukuvela ngokugqwesileyo kwegolide kwiimarike zezemali kunokuba sisizathu ukuthatha isikhundla kule asethi yemali. Uneendlela ezininzi zokwenza, nangona ezona zinto zinokwenzeka zisenokuba kukusebenzisa imali yotyalo-mali, okanye nangcono, kuluhlu. Ukongeza, awuyi kuchaphazeleka kwiziganeko ezimbi ezinokuthi zibe nefuthe kwindaleko yeemarike zezabelo.
Ukuba uza kutyala imali yakho kwezi veki xa ungekho ekhaya, zama ukuba ungayenzi yonke. Konke okufuneka ukwenze kukunikezela nge-20% ukwanelisa iimfuno zakho, kuba uya kugcina imali ngendlela eyiyo. Ubutyala mabube yinto eqhelekileyo ekuqwalaseleni imeko yeakhawunti yakho.
Ukuba ulandela ezinye zezi ngcebiso kule leta, ngokuqinisekileyo kulo nyaka umsebenzi wokubuyela kwiindlela zaseSpain awuzukuba nengxaki eyongeziweyo, kwaye kuya kufuneka ugxile ekubuyiseleni kwimihla ngemihla minyaka le.
Kodwa ukuba inokubakho ngebhalansi enkulu, ingcono kunokuba ngcono, ukukhuthaza ukonga. Nangona iya kuhlala ibaluleke ngakumbi ukuba ugcine imali eyinkunzi yokuqala imiselwe utyalo-mali. Ngokuqinisekileyo uya kukhumbula ukuba kwiminyaka edlulileyo iimarike ziye zavuseleleka kangakanani, kwaye nendlela abakunike ngayo ngaphezulu kokungathandi. Akufanele ulibale ukuba ufuna ukukhusela iimfuno zakho ngendlela efanelekileyo.
Ukongeza, uya kuba nakho ukuqhubeka notyalo-mali lwakho kunye nomsebenzi wakho wesiqhelo, kwaye Ukuhlalutya loluphi ukhetho olulungele wena ngawo onke amaxesha. Kwaye uhlala ungenasiphelo, kwaye ungathandi ngoku, apho kuya kufuneka ucwangcise uhambo oza kulwenza nabahlobo bakho okanye nosapho.