Ukuba ufuna ukwenza yonke imali oyigcinayo inenzuzo, awunyanzelekanga ukuba unciphise isenzo sakho ekuthengeni nasekuthengiseni izabelo kwimarike yemasheya. Kuba, kukho ubomi obungaphaya kwamasheya ngamazwe. Kwaye yeyiphi indlela ebhetele kunokukhetha iimodeli ezingaqhelekanga, njengasekuqaleni. Nditsho kwezona zinto zintsha onokuzifumana ngoku. Ukuya kwinqanaba abanokukunceda ngalo ukuba uphucule inzuzo yegalelo lakho lemali.
Kuyinyani ukuba ezinye iindlela zilinganiselwe. Kodwa ubuncinci uya kuba nombono ongaqhelekanga wokufezekisa iminqweno yakho ngezindululo ezithile zotyalo-mali. Nangona kunjalo, ziya kufuna ngakumbi nangakumbi ulwazi olunzulu ngeemarike zabo. Inqaku elinokuphembelela ukuba ayizizo zonke iiprofayili zabatyali zimali abancinci nabaphakathi abaya kuba novakalelo kwimisebenzi yabo. Kodwa ngokuchaseneyo, kuphela abo banyuliweyo abaya kuba ngabona banamathuba amaninzi okuvula izikhundla kwezinye zezi asethi zemali.
Nokuba yeyiphi na indlela, iya kuhlala njengeyona ndlela iyiyo yotyalo-mali. Ukuba ungayenza isebenze nangaliphi na ixesha, nokuba lelona xesha lingenabulungisa kwiimarike zemali. Apho uhlala ufuna ukuya kwezinye iindawo ngaphandle kwemarike yemasheya ukuhambisa ibhalansi ekhoyo kwiakhawunti yakho yokujonga. Ngokuqinisekileyo ngaphezulu kwesindululo esinye semali uya kumangaliswa yimvelaphi yayo ephezulu. Kodwa lumka kakhulu, kuba banokuthatha umngcipheko ongaphezulu kokuyimfuneko. Njengoko uza kubona ukusukela ngoku.
Olunye utyalomali: qala
Ewe enye yezona ngcinga ziphakamisayo zibangelwa lolu khetho. Ngokudibana naba bameli bezemali ukutyala imali ukusukela ngoku nge ukukhula okuphezulu. Mhlawumbi ngaxa lithile ngentla kwembuyekezo ebonelelwa kwiimarike zemali eziqhelekileyo. Ngeendlela ezahluke ngokupheleleyo kwezo ziveliswe kukulingana onxibelelene ngokusondeleleneyo nako. Nangona kunjalo, awuzukukhetha ngaphandle kokuthatha umngcipheko ngakumbi wokufezekisa iinjongo zakho.
Isekwe kwisicwangciso esilula nesisebenzayo njengokukhangela iiprojekthi zeshishini ezinemodeli esebenzayo yeshishini kwaye ezinokubakho kokukhula ukunika inzuzo kubatyali mali bazo. Banokuvela amacandelo ohlukeneyo eshishini kwaye nangokwendalo eyahlukileyo ngokupheleleyo. Apho unokubanceda bathathe inyathelo labo lokuya phambili, ngelixa wena ngokwakho ufumana umvuzo weziphumo zembuyekezo ezinokuveliswa yimali eyinkunzi.
Nangona kunjalo, ayisiyonto ilula okanye engenazithintelo. Ewe akunjalo, kuba kwasekuqaleni kufuneka ucele kwaba baxhasi amaxwebhu apheleleyo abonisa imeko yangoku kunye nokulindelweyo yeprojekthi. Oku kubizwa ngokwemiqathango yeshishini isicwangciso seshishini. Njengeyakho imeko yezemali nezomthetho kunye namava eqela eliphetheyo lokuqalisa iprojekthi. Kwangokunjalo, isindululo sabakhuthazi kwinto abazimisele ukuyiphakamisa akufuneki siphoswe nangaliphi na ixesha. Kunokubakho ukudityaniswa komdla kumacala omabini. Bafuna inkxaso-mali yabo, ngelixa abatyali mali besenza imali yabo ukuba ibe nenzuzo. Ukuba kunokwenzeka ngaphezulu kwezindululo eziphambili zotyalo-mali.
Gcina imali ngezitena
Enye indlela eyahlukileyo nesebenzayo yokwenza ulondolozo lwakho lube nenzuzo isekwe ekubuyeni kwecandelo lokuthengiswa kwezindlu. Kodwa ngendlela eyahlukileyo nangaphezulu kwayo yonke indlela entsha. Ukungatyali mali kwizitokhwe zezi mpawu. Hayi, kodwa ngokusebenzisa iinkampani ezinobuchule obunokufaka imali ukuze zenze inzuzo. Ngombulelo onokuthi uveliswe kwi- ukuthengwa kwepropathi.
Le misebenzi inokumiselwa ngokusesikweni ngemali encinci, ukusuka kwi-100 ye-euro kuphela ukuba lo ngumnqweno wakho onqwenelekayo. Ngoncedo lokuba ungashenxisa izikhundla zakho nangaliphi na ixesha olifunayo. Ngale ndlela, ubuyisa imali yakho eyinkunzi kunye nomdla wayo. Kuba ngenene, kwixesha eliphakathi nelide kulapho ukubuyela kunokuba nomdla ngakumbi ukusukela ngoku. Ngenzuzo enokuthi imele i-10% okanye ipesenti ephezulu kwaye ngenxa yokuxabiseka kwepropathi.
Zimbalwa izindululo zezi mpawu ezikhoyo kwimarike yecandelo. Kodwa endaweni yokufumana inkqubo yokwandiswa ekufikeni kwezi modeli zotyalo-mali. Ngokwahlukileyo, kwixesha elifutshane, amathemba akho okuphucula imbuyekezo yemarike yezabelo aphantsi kakhulu. Ngemida yokungena kwiakhawunti yakho yokutshekisha hayi ngaphezulu kwe-2% okanye i-3%. Kwaye kuyo nayiphi na imeko, ngaphezulu kunoko kunikezelwa ziimveliso eziphambili zebhanki (iidipozithi zexesha elimisiweyo, amanqaku ezithembiso okanye iibhondi ezihlanganisiweyo, phakathi kwezona zibalulekileyo)
Amaqonga akwi-Intanethi: ezinobungozi obungakumbi
Ukuba awoyiki umngcipheko, oku kunokuba yeyona ndlela ingcono. Le yimisebenzi enobundlongondlongo kuzo zonke iimarike zezemali. Yenziwe kwangalo mini. Apho unokufumana okuninzi, kodwa imali eninzi, kodwa uphulukane nayo ngamandla afanayo. Uya kudinga inqanaba eliphezulu lokufunda ukusebenza nolu hlobo lweemveliso zemali. Iya kuba sesona siqinisekiso sokuqinisekisa ukuba awuzukuzibamba ngokungakhathali okunokubeka umngcipheko kwiakhawunti yakho yokonga.
Olunye uncedo oluya kukuzisela le modeli ikhethekileyo kukuba ungavula izikhundla kwiimali eziphantsi kakhulu kuyo yonke imizi. Ngokutshintshiselana kunjalo bohlwaywa ngeendleko kulawulo lwabo kunye neekomishini eziphezulu kakhulu. Ngaphezulu kokufakwe kwiimveliso eziqhelekileyo. Umzekelo, kwiimeko zokuthenga nokuthengisa izabelo, imali yotyalo-mali kunye nokuthengisa ngetyala. Awungekhe ulibale lo mbandela ukucwangcisa uhlahlo-lwabiwo mali lwakho.
Eli klasi lamaqonga akwi-intanethi ayanda kwiminyaka yakutshanje kwaye unokufumana ngaphezulu kwesinye esingahambelaniyo neendlela zokhuselo eziyimfuneko. Ngomnye umngcipheko owongeziweyo wokuba le misebenzi yemali ihlelwe njengomngcipheko omkhulu kubandakanya. Apho kukho udidi lweeprofayili ekungangqinelwanga kuzo ngezindululo zabo zokwenza ilifa lemveli lenze inzuzo. Kwaye kuyo nayiphi na imeko, kunqabile ukunikela ngemali. Ukukhusela izikhundla zakho njengomtyalomali omncinci nophakathi.
Ukuboleka imali kubantu abathile
Enye indlela entsha yokwenza ulondolozo lube nenzuzo kukubonelela ngomgca wetyala kubantu abadinga uncedo. Ikhutshelwe kumaqonga akwi-Intanethi phakathi kwabantu kwaye inezibonelelo zokuba uphucule ukusebenza kweemveliso zebhanki eziphambili. Kungenxa yokuba, imbuyekezo onokuyifumana inokubakho kwibhendi leyo Amanqanaba aphakathi kwe-4% ne-7%. Ngale ndlela, abamangali benza ukuba imali yabo ifikeleleke ngakumbi kwaye baxolelwe kuzo zonke iintlobo zekhomishini okanye inkcitho kulawulo lwabo. Kwaye wena, ngesicwangciso esikhethekileyo, uya kuyiphucula imeko yeakhawunti yakho yokujonga.
Nangona kunjalo, ayisiyonto ilula kangako ukuyenza. Kuba kufuneka ubhaqe nge iqonga lomsebenzisi ohlangabezana neemfuno eziyimfuneko kunye nomntu okubonelela ngezona ziqinisekiso zininzi zokusebenza. Kodwa ukuba ujikeleza le miqobo, uya kuba kwezona meko zintle zokugqitha kwimida enikezela umvuzo okwangoku. Kwaye kwezinye iimeko, nokuba yintoni enokufunyanwa kwiimveliso ezithile zezemali ngokusekwe kuguquko.
Kwiminyaka yakutshanje, baninzi abasebenzisi abakhethe le nkqubo yokusebenzisana phakathi kwabantu. Apho eyona ngxaki inkulu ilele khona ukuthembana okunokusekwa phakathi kwamacala omabini. Ayothusi into yokuba yimodeli elawulwa zezi parameter zonxibelelwano. Kwaye kwezi zisengxakini yokufumana ezinye iindlela ezingaphantsi okanye eziqhelekileyo zokutyala imali. Ubuncinci ikuvumela ukuba ukonwabele enye indlela eyongezelelweyo yokuphucula iiakhawunti zakho kwaye kufanele ukuba nguwe oxabisayo ukuba kufanelekile ukwamkela esi sigqibo.
Igalelo leenkqubo ezizezinye
Ezi ndlela zotyalo-mali siziphakamisileyo zahluke kakhulu. Kungcono okanye kubi kunabanye, kodwa banikezela ngezinye iimodeli zotyalo-mali ngokuxhomekeke kwiprofayili oyibonisayo njengomgcini. Ngayiphi na imeko, kuya kufuneka ubahlalutye ukuze ubazi oomatshini babo kwaye ngale ndlela awunakumangaliswa ngaphezulu kwesinye ngexesha lokuphuhliswa kwenkqubo. Ungazisebenzisa xa ifayile ye- iimarike zemali zesintu ziphelile. Iya kuhlala ingcono kunokuya kwinzuzo ephantsi ekubonelela ngeniso esisigxina ngalo mzuzu.
Kuyinyani ukuba awunakho ukhetho oluninzi ukubamba ezi modeli. Kuya kufuneka uzinciphise kubambalwa kwaye kwezinye zazo usenokungabi namava afanelekileyo okusebenza nabo. Ngale ndlela, akukho ndlela ibhetele kunokwazi ngaphandle kokufunda kunye nesifundo esineenkcukacha ngoomatshini bohlobo lwabo lotyalo-mali. Kuphela emva koko, apho uya kubanakho ukuzisebenzisa kunye neziqinisekiso eziphezulu kwaye uphephe iingxaki ezithile.
Uninzi lwazo alusekelwanga kwixabiso layo nayiphi na iasethi eyimali. Endaweni yoko, ngokuchaseneyo, isiseko sabo basisekele ekuxhaseni iimfuno zabantu. Nokuba ziiprojekthi zabo zeshishini, okanye ngokubonelela nje ngenkxaso-mali eyimfuneko kwiingxaki zabo zemihla ngemihla zokuhlawula amatyala. Azisekho iimfihlakalo kolu tyalo-mali onokulufuna ngelinye ixesha okanye enye.