Ndiyityala phi imali endiyongileyo? Ezona zimvo zibalaseleyo

Uyenza njani imali oyongelayo?

Lo nyaka awukho mhle kakhulu kwimidla yabasindisa. Akunjalongo noko. Akukho mveliso ibanika intsebenzo yeminyaka edlulileyo ukukhuthaza ulondolozo lwakho, kwaye ikwabonisa ukusilela okungafanelekanga kwenkcazo yomsebenzi weemarike zezemali. Kusuka kwingeniso esisigxina, iimveliso zayo ezinganikisi nzala ngamanye amaxesha, njengesiphumo somgaqo-lawulo wemali we ukwehlisa ixabiso lemali yi-European Central Bank (ECB). Kwaye oko kukhokelele kwiimveliso zayo eziphambili zebhanki (iidipozithi, amanqaku ezithembiso, njl. Njl.

Izabelo aziphenduli kulindelo lwabatyali mali abancinci nokuba, nge ukungacacanga kwizalathiso eziphambili zesitokhwe nto leyo ekhokelela ekubeni uninzi lwabo luvale izikhundla. Akumangalisi ukuba, ukuma kancinci kuqoqosho lwamanye amazwe kuthintela amaxabiso ezabelo ukuba abuyele kumanqanaba aphezulu kwikoteyishini yawo. Kwaye oko, kuncedwa kukungazinzi kwintengiso yeoyile, kuthintela ukuvela okuhle kweemarike zesitokhwe kwikota yokuqala yonyaka. Ngaphandle kwento yokuba kunokwenzeka ukuba kuncitshiswe kakhulu kwixabiso lezabelo zakho. 

Ukusuka kule meko inzima ngokuqinisekileyo, zimbalwa iindlela ezikhoyo ezikhoyo kubatyali mali ngalo mzuzu. Nangona amathuba amashishini amatsha evela kwiindlela zotyalo-mali zemveli. Kwaye basondela kwizindululo ezizezinye kunangaphambili, ezinokusetyenziselwa ukwenza ukonga kunenzuzo ngexesha elinzima njengeli sihlangabezana nalo kwiimarike zezemali.

Inyani yile yokuba icandelo elilungileyo labasindisi bayazibuza ukuba banokwenza ntoni ngolondolozo olukhoyo, kwaye ukuba bangayifumana imveliso eya kuthi ibenze bonyuse iiasethi zabo kwixesha elingaphaya okanye elingaphantsi lokuhlala. Ewe, ayisiyiyo yonke into engalunganga kwicandelo lotyalo-mali, kwaye eneneni iimarike ezintsha zemali ziyavulwa, kunye neemveliso, ukuze ukwazi ukwenza imisebenzi yakho kwiimarike zamanye amazwe, zombini kwimali engenayo esisigxina, kunye nokwahlukileyo. Kodwa ukongeza kule meko, ngaphezulu kwesinye isindululo, okanye ubuncinci hayi rhoqo rhoqo kule minyaka idlulileyo.

Amaxabiso akhuselekileyo okonga kwakho

Ukwenza imali ngokonga: amaxabiso akhuselekileyo

Elinye lamaqhinga onawo kukukhetha amaxabiso akhuselekileyo akhoyo ngoku, kwaye anokukunika umdla omkhulu wokwenza imisebenzi yakho ibe yinzuzo. Esinye sezindululo sinokuvela kwigolide, enye yeeasethi ezimbalwa zemali ezigcina ukuvela ngokucacileyo ngokucacileyo kwiinyanga zokuqala zalo nyaka unzima. Ukuhlaziywa kwayo kufutshane ne-30%, ukugcina imeko enyukayo etsala umdla wabahlalutyi abaziintloko bezentengiso zemali.

Ukuba ufuna ukuthatha isikhundla kule asethi yemali, unokukhetha okuninzi ukwenza njalo. Ukusuka ekuthengeni izabelo zeenkampani ezinxibelelene ngokucacileyo nalo msebenzi unemveliso, kwi Iimali zotyalo-mali ngokusekwe kwisinyithi esimthubi. Ungathenga nemivalo yegolide ngokuthe ngqo ngexabiso eliphantsi, ngaphandle kokujongana nemali enkulu. Akunyanzelekanga ukuba uzilinganisele kwisicwangciso esinye sotyalo-mali lwakho.

Elinye lamathuba onawo okwangoku kukuya kwiibhondi ezivelisa esona sivuno siphezulu. Ngale ndlela, Amantla aseMelika kunye nesiJamani ngabo abanokukunika olona lonwabo. Akumangalisi ukuba, inxenye elungileyo yokuhamba kwemali kwilizwe liphela ijolise kwezi asethi zemali ukwenza imisebenzi enenzuzo kwiimarike zezemali. Banikezela ngeyona nxaki ilungileyo phakathi kwenzuzo kunye nomngcipheko, ngaphezulu kwezinye iiasethi onokuziqasha ngalo mzuzu ukonyusa ukonga.

Kwimeko ethile ye-North American bond, kuba iyathandwa kukwanda kwenqanaba lenzala kule ndawo yomhlaba, kulandela isigqibo se-United States Federal Reserve (FED) sokutshintsha umgaqo-nkqubo wezemali kunye nokunyusa iirhafu zenzala ngekota, kwaye zishiye kwi-0,50%. Ngokubhekisele kwibhondi yaseJamani, inikwe iingxaki zazo zonke iintlobo ezinyikimisa i-European Union, kwaye eya kuthi ibonise njengemeko yokuhamba kwe-Great Britain emva kwereferendamu elandelayo eza kwenzeka ekupheleni kwale ntwasahlobo . Kweli nqanaba, Iibhondi zaseJamani zibonelela ngokhuseleko olukhulu ngenxa yamandla eemarike zaseJamani.

Buyela kwimarike ye-forex

ukwenza imali ngokonga: utshintshiselwano lwangaphandle

Ukungazinzi okunamandla okuboniswa yile marike yezemali kuyenza inqweneleke kakhulu kubatyali mali, njengoko kunokuba njalo kwimeko yakho, abafuna ukuzuza ngokukhawuleza nangakumbi. Ukutshintsha okunamandla kwenqanaba labo, kwaye ngenxa yamaxabiso abo, kubenza bakulungele ngokwenene ukubabandakanya kwipotifoliyo yakho yotyalo-mali. Nangona kunjalo, iya kufuna amava ngakumbi kwezi marike, kwaye kuyakufuneka benze imisebenzi eliqela kwezi asethi zemali, ukunqanda ukusebenza okungafunekiyo. Unokufumana imali eninzi, kuyinyani, kodwa ilahleko inokukuchaphazela ngendlela ephawulwe kakhulu, uphulukane nee-euro ezininzi apha endleleni.

Ukongeza, kufuneka zisebenze ngokukhawuleza kwiimarike, kuba utshintsho lwazo luhlala luhleli, kwaye ukuhlehliswa komyalelo wokuthengwa kwayo nayiphi na kwezi mali kungathetha impumelelo okanye hayi ukusebenza. Ngayiphi na imeko, yenye yeendlela onokuzisebenzisa ukubuyekeza ukungabikho kwenkuthazo kwiimarike zesitokhwe, kodwa Ndihlala ndikukhokela ngononophelo olukhulu Kuzo zonke iintshukumo ozenzayo ngokusesikweni.

Iikhredithi phakathi kwabantu

Ukuba ufuna indlela yoqobo yokwenyani yokuphucula imida yakho yenzuzo, kule ndlela yezemali ithuba elikhethekileyo lokufezekisa iinjongo zakho. Kuya kufuneka unike iikhredithi kwabanye abantu, kwaye Ukusuka kumaqonga abucala nawokubuyiselwa kwemali esidalelweyo ukuhlangabezana nale mfuno. Imbuyekezo onokuyifumana kule misebenzi ikhethekileyo ihlala ingaphezulu kwe-5%. Kwaye ukuya kwinqanaba lokuphucula ngokubonakalayo inzuzo onokuyifumana xa kuthelekiswa nezinye iimodeli zotyalo-mali eziqhelekileyo.

Isicwangciso kukuboleka imali encinci, phakathi kwe-5.000 kunye ne-15.000 ye-euro phantse kubantu abafuna inkxaso-mali ukuphuhlisa iiprojekthi zakho zeshishini, nkqu nezakho zobuqu. Ukubuyisa uza kufumana imbuyekezo enomdla, onokuyifumana kwiimveliso ezimbalwa zebhanki. Kwaye ayizukunxulunyaniswa nokudaleka kwayo nayiphi na intengiso yemali, kungabikho mvuzo ungenisiweyo okanye kungafani.

Buyela kwisitena

imali yokwenza imali: indlu

Uya kuhlala unemithombo yokubuyela kwisitena. Njani? Ukuvuselelwa kwecandelo lokuthengiswa kwezindlu eSpain kuyinyani, kwaye ungathatha eli thuba libonisiweyo ukusukela ngoku. Ngokuyintloko ngokuthengwa kweeflethi, kodwa ngaphandle kokulibala ezinye iindlela ezinokubangela umdla kakhulu, kwaye eziya kufuna utyalo-mali olusezantsi: indawo yorhwebo, iigaraji, iifama, njl. Ubuncinci iya kuba yeyokuba uyithathele ingqalelo, okoko unengxowa enamandla yokonga, nangaphezulu kwento oyifunayo kolunye utyalomali.

Izibonelelo zale misebenzi zingangaphezulu kakhulu, nangona kuya kufuneka uthathele ingqalelo ukuba ngaba lo msebenzi ukufanele na ngokuxhomekeke kubume beakhawunti yakho. Ayothusi into yokuba iya kufuna ukhuphiswano olukhulu lokuhamba kwemali, kwaye kuyo nayiphi na imeko, kufuneka ucace gca malunga neenjongo ozifunayo.

Khangela iimarike ezintsha

Ewe kunjalo, akufuneki uhlale umile, kodwa zivulele wena kwiimveliso ezintsha zeenkonzo kunye neenkonzo ukuhambisa ngokuchanekileyo imisebenzi yakho ukwenza ukonga kunenzuzo kwimeko enzima njengangoku. Yayo, Unokuphanda ezinye iiasethi eziyimali ezivelisa imbuyekezo ephezulu, kwaye nokuba siphi na isizathu asaziwa. Lixesha lokuba usebenzise elo cebiso lakudala phakathi kwabatyali mali ukuba kusoloko kukho amathuba oshishino.

Izixhobo zamandla, izinto ezingavuthiweyo, isinyithi esixabisekileyo, kunye nokutya ngokwakho kunokutshintsha ikhondo lotyalomali lwakho ukusukela ngoku. Ngayiphi na imeko, kuya kuba yimfuneko ngokupheleleyo ukuba uqhele ukusebenza kwezi asethi zemali. Akunanto, kuya kubakho imingcipheko emininzi onokuthi uyicinge kulo msebenzi ngamnye, ngaphezulu kolunye utyalomali. Kwaye uhlala ucetyiswa yingcali ekhethekileyo kwezi mveliso, oya kuthi ngokuqinisekileyo ube nayo kwi-bhanki yakho yesiqhelo, kwaye simahla, ngaphandle kokubiza i-euro enye.

Phuma kwimida yelizwe

Esinye isixhobo sokunyusa ibhalansi yolondolozo lwakho isekwe ekuthengeni ingeniso esisigxina kwezinye iindawo zejografi, nkqu nakwamanye amazwe. Ukuvela kwetyala kunokuba sisisombululo kwiingxaki zakho, ukuba nje uyavuma ukuba bajongana nemisebenzi yomngcipheko omkhulu. Kwaye ayingabo bonke abatyali mali abancinci nabaphakathi abanokubathatha. Ukuba kunjalo, unendawo ebanzi neyahlukeneyo, ethi kwiindawo ezithile ivelise izixa zemali ezibanzi ngendlela yengeniso.

Ngayiphi na imeko, kuya kufuneka ube nomonde omninzi xa uqesha ezi mveliso kuba zingazinzanga ukwenza ukonga kwakho kunenzuzo, kwaye ngokukhawuleza xa zingawela kakhulu, njengosuku olulandelayo ukuqhuba ukonyuka okunamandla ngakumbi. Enye indlela yokugcina iminikelo yezoqoqosho kukwahlukahlukana kotyalo-mali, Ukudibanisa nezinye iiasethi zemali. Ukuqhubela phambili kwimali engenayo esisigxina kunye nengeniso eyahlukileyo, nokuba ukhetha iindlela ezizezinye okanye ezixubileyo. Kwaye ayigxininiswanga kwindawo enye yehlabathi, kodwa yahanjiswa.

Kwaye okokugqibela, kuyakuhlala kukho ukuphinda ubhengeze iimveliso zokonga ezinonyango olungcono. Iya kuba yenye indlela eyahlukileyo yokwenza inzuzo ngokulondolozwa okuqokelelwe kwiminyaka kunye neminyaka yomsebenzi. Ukusuka kule ndlela, izicwangciso zepenshini zinokuba yeyona ndlela ifanelekileyo yokufezekisa iinjongo zakho. Kwaye baya kukwenza uhlawule imali encinci kwingxelo yakho elandelayo yengeniso. Imeko yokungabalulekanga kangako ekucwangciseni iiakhawunti zakho, kwaye ugcine ii-euro ezimbalwa ekusebenzeni.


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