Ukuba ubutyalile kwiminyaka eli-10 eyadlulayo ubuya kuba ngusozigidi

umgidi

Yiba ngusozigidi? Enye yeengcebiso eziphambili ezenziwe ziiarhente ezisebenzayo zezabelo kukuba kufuneka utyale imali esitokisini kwithuba elide. Yeyona ndlela ilula yokwenza ukonga inzuzo. Ukuzama ukugxotha yonke imingcipheko ebandakanya olu hlobo lotyalo-mali. Nangona kunjalo, sisicwangciso esisetyenziswa kuphela kuninzi lwabatyali mali abadala. Akumangalisi ukuba babe zezona zininzi ulondolozo kwiimarike zezemali.

Ixesha elide lithathwa njengelixesha elingachazwanga kakuhle eliqala kwiminyaka emibini okanye emithathu, kwaye ngaphandle kwemida ekusisigxina. Kuphela ngabo babekwa nguwe ngokusekwe kwiminqweno yakho oyithethelelayo. Yindlela enenzuzo ngakumbi yokutyala imali kunakwithuba elifutshane okanye elide. Ubuncinci uya kuphelisa umngcipheko omninzi, ewe ngaphezulu kokudingeka. Ngaba uzimisele ukwamkela le mihla ibekiweyo?

Kodwa mhlawumbi into ongayaziyo kukuba ngesi sicwangciso unokuba ngusozigidi. Hayi ngobusuku, kodwa emva kweminyaka embalwa ukugcina ubudlelwane obuthembekileyo kunye neenqobo ezisemgangathweni yee-equity, zombini iSpanish nangaphandle kwemida yethu. Kuba, enyanisweni, uyazi ukuba ubukhe wakwenza ngamaxabiso athile ezabelo zamashishini ezingenanzala emisiweyo, ubuya kuba nakho ukuphumeza ezi njongo?

Ngaba uyafuna ukuba ngusozigidi?

dinero

Ewe ayisiyiyo i-utopia, kodwa inyani ethelekiswa nokuvela kwamaxabiso ezinye zeenkampani ezidwelisiweyo. Ngemfuno kuphela yokubamba izikhundla malunga neminyaka elishumi. Kuyinyani ukuba lixesha elide kakhulu, kodwa umvuzo ufanelekile. Siza kukuxelela ezinye zezizathu zokuba kufanelekile ukuba unike ingqalelo lo mgca wezenzo ezibonelelwa zizabelo ukujongana nazo kule minyaka imbalwa izayo.

Imarike yemasheya inokuba yenye indlela enomdla kakhulu yotyalo-mali ukuba ijolise kwixesha elide. Kwaye kunye nethamsanqa ngusozigidi. Ewe kunjalo, okoko nje ukuba igalelo lakho lemali ekusebenzeni linamandla kakhulu. Le meko ibonakaliswa ukuba ezinye izihloko ziyahlalutywa Ukuziphatha kwabo kule minyaka ilishumi idlulileyo kuye kwabalasela ngokwenene. Ngaphezulu komndilili obekwe zii-indices ze-equity.

Ngenxa yezi ntshukumo, ayiluloyiso olukhulu ukuthi ukuba utyale imali kufutshane ne-100.000 euro, ukwazile ukuphindaphinda izithuba kumaxabiso athile. Nokuba iphindwe kathathu kwabo bathe baqhuba kakuhle ngeli xesha. Ukuphakamisa imeko yakho yezoqoqosho ngendlela enamandla.

Ungazifezekisa njani ezi njongo?

Ewe ayisiyonto ilula ukuyiphumeza. Kodwa ungakhathazeki kuba siza kukunceda ufumane oku ukususela ngoku. Imfuno yokuqala yeyona inzima ukuyizalisekisa. Ayikho enye ngaphandle Ukuqokelela ukonga ngaphezulu komndilili kazwelonke. Bambalwa kakhulu abahlanguli abaya kuba noku kubalulekile kwiakhawunti yabo yokujonga. Kodwa le yimeko yakho, qhubeka ukhathalela izindululo esikunika zona ngezantsi.

Enye yazo, kwaye mhlawumbi ebaluleke ngakumbi, iya kuba kukucinga ngokuhlala ixesha elide kunesiqhelo. Malunga neminyaka elishumi, nangakumbi ukukhawulezisa amathuba ekuboniswa ngawo ziimarike zezemali. Ayizukunceda into xa ulahla la maxesha. Ukusukela ukuba isicwangciso-buchule sakho sokuba ngusozigidi ngotyalo-mali lwakho kwii-equity siyokuwa. Awunakukhetha ngaphandle kokuhlengahlengisa kule mihla imiselweyo.

Kananjalo awunakulibala ukuba iya kuba yimali ongenakukwazi ukuyisebenzisa ngeli xesha. Kulapho ngekhe ukwazi ukuhlangula ngokuyinxenye kwiintshukumo ezenziwe. Hayi kwimeko apho ufuna iimali ukuhlangabezana nezona ndleko zibaluleke kakhulu (isikolo sabantwana, uxanduva lwerhafu, amatyala kubantu besithathu, njl.). Iya kuba yimfuneko yokuba uthobele ngenyameko kwaye awufuni ukuwuyeka umnqweno wakho wokuba lilanga. Nokuba lixesha elide.

Ngethamsanqa, intwana yethamsanqa ukuze uqikelelo luzaliseke. Ngokuyinxenye kuya kuxhomekeka kukhetho olwenzileyo kumrhumo wokulingana. Ngokwesiqhelo, kula maxesha amade, kuqhelekile ukwenziwa kwembuyekezo, nangona ngaphandle kokuqinisekisa ipesenti yabo. Awunakuze ubone kwangaphambili ukuba kwenzeka ntoni kwiimarike zezabelo. Nasiphi na isiganeko sinokonakalisa ukucinga kwakho.

Fumana amathuba

mathuba

Akukho mntu unebhola yekristale, kodwa ukuba uphonononga uguquko lwazo zonke iimarike zentengiso awuyi kuba namathandabuzo okuba ngokulingana ungafumana imbuyekezo ebalulekileyo phila ngerente ubomi bakho bonke. Ukuziqhelanisa ingathi ubethe iJackpot kwilottery. Akumangalisi ukuba kukho ezinye ii-indices zesitokhwe esivelisa istokhwe esincinci esinezinto ezihlaziyiweyo ezinokubangela ukuba lwandise utyalo-mali olwenziwe ngamanye amacebo.

Kuya kufuneka uphonononge iikowuti kule minyaka ilishumi idlulileyo ukuze uqonde ukuba oku kunokwenzeka. Nokuba uphononongo ngaphezulu kwesiqhelo, ezinye iimeko ezichaziweyo fikelela kwi-100%. Ukuphuhlisa intshukumo yendlela yokunyusa ngamandla.

Ke, imeko ye-Gamesa ibonakala phakathi kwabo bonke. Ngexesha elifutshane lidlulile ukucaphula i-euro ezi-3 ukuya kwezi-20. Njengoko uza kubona, ukuba ubuvule izikhundla ngeli xabiso ngoku ungangaphezulu kwesigidi. Njengoko kule meko kukho enye njengoko ubona ngezantsi. Kwanobunzima obulinganayo ekunyukeni okwenziweyo ukuza kuthi ga ngoku.

Esinye sezindululo sivela kwixabiso elingaqikeleliyo kwaphela. Sithetha ngenkampani yombane i-Endesa eyiyo iwaphindaphinde amaxabiso ayo xa kuthelekiswa neminyaka elishumi eyadlulayo. Ngenzuzo eyongeziweyo yesahlulo esiphezulu esisasazwe kubo bonke abanini zabelo. Ngesivuno esikufutshane ne-7%. Ewe kunjalo, ukuba oku ibikukukhetha kwakho, ngoku ibhalansi yeakhawunti yangoku inokuba nkulu kakhulu.

Olunye ukhuseleko oluvelisa kakhulu

Olunye ukhuseleko olwenzile ngokukodwa ngeli xesha luhlanganisiwe indices zetekhnoloji evela eUnited States. Babonisa ukuhlaziywa kwezinye iimeko ngaphezulu kwe-50%. Hayi ixabiso, kodwa ukhetho elungileyo kubo. Ngokubanzi inxulumene nekhompyuter kunye netekhnoloji entsha. Ngendlela yokunyusa kakhulu kwaye eyaphule zonke iingqikelelo zabahlalutyi abaziwayo kwezemali.

Kwelinye icala, kukho iimarike ezithile zokulingana kwezinye iindawo ezibonise ukuxabisa ngaphezulu kwesiqhelo kule minyaka ilishumi idlulileyo. Ngokuqinisekileyo zivela kwiindices zesitokhwe esingaqhelekanga, kwiindawo ezingalindelekanga. Inokukwenza ube nemali eninzi. Kodwa kwangaxeshanye kukushiya nenxalenye ebaluleke kakhulu yelifa lakho. Yimfuneko yokuba kuya kufuneka uyicinge ukuba ufuna ukuba ngusozigidi ngale ndlela icwangcisekileyo nenobungozi. Kukho nawuphi na, ezi zixabiso ongazi nto malunga nazo. Zingaqhelekanga kulwazi lwakho.

Akukho zindululo apha zokuzalisekisa amaphupha akho. Ngeli thuba ngokuqesha ezinye ii-asethi eziyimali. Phakathi kwazo, iimarike zezinto ezisetyenzisiweyo, izinyithi ezixabisekileyo okanye nalapho ukutya kuthengiswayo kugqamile. Nangona kunjalo, bavelisa intshukumo ebuthathaka ngakumbi enokuhlala kuphela iinyanga ezimbalwa, okanye kwimeko embi phakathi konyaka omnye ukuya kwemithathu.

Ezinye iindlela zokutyala imali

buchule

Okwangoku unezinye iindlela zokufezekisa umnqweno wakho wokuba ngusozigidi kwixesha elide okanye elingaphantsi. Ifezekiswa ngemveliso ezinobungozi obuphezulu. Unezinto ezininzi onazo: Iziphumo, ikamva okanye iziqinisekiso. Ezi ziyilo ezinobundlobongela ezingacetyelwanga abatyali mali abancinci abanamava amancinci kwiimarike. Kule meko, umngcipheko abawenzayo uphezulu kakhulu. Ungaphulukana nenxalenye elungileyo yolondolozo kuzo.

Ukuba, ngaphandle kwayo yonke into, ulingeka ukuba uvule izikhundla kwezinye zezi mveliso, siza kuphakamisa iindlela ezithile zokutyala imali oyigcinileyo. Enye yazo ivela kungeniso lwempahla yezezimali egcina uguquko oluhle kwiimarike, kwaye ezo ziqokelelwa lolunye lotyalo mali. Isitshixo kukuba ngeemveliso inzuzo inkulu kuneentengiso zotyalo-mali ngokwesiko.

Olunye ukhetho lusekwe ekuqokeleleni ezi iimveliso ubuncinci kwikoteyishini yazo. Ubungakanani bokunyuka kwemali eyinkunzi, ubuncinci kwithiyori, kunamandla kakhulu. Esi sisicwangciso esinobungozi ngokwenene, kodwa ngumrhumo ekuya kufuneka uhlawule ukuze ube nezigidi ezininzi kwiakhawunti yokukhangela yebhanki yakho yesiqhelo. Ngoku kuhlala kuphela ukuba uzimisele ukwamkela esi sicelo santlandlolo sokujongana neemarike zezemali.

Usenazo ezinye iindlela ezinobungozi ngokulinganayo. Awunakukhetha ngaphandle kokuya kumacandelo akhula ngokukhawuleza kwizabelo zamazwe ngamazwe. Ngokubanzi ivela kumacandelo anxulumene ne- ubuchwepheshe obutshaI-intanethi, i-wi fi, iinethiwekhi zentlalo, iiprosesa, njl. Amandla ayo aphezulu angaphezulu kakhulu, ewe ngaphezulu kwamanye amacandelo eshishini.

Kuphela kwento ebaluleke kakhulu esele ihleli kula matyala, kwaye leyo ithamsanqa. Okanye kunokuba kuninzi, kuba sisisombululo sodwa sokuba ngummi-usozigidi ukusukela ngoku. Ukuze ngemali oyifumanayo, ungathenga ezinye zezinto obusoloko uziphupha ngazo: indawo yokuhlala ezintabeni, imoto entle, okanye ungahamba ujikeleze umhlaba kuhambo olunomdla nolude. Akukho nto ililize, izinto ezingekhoyo ziyaphila.


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