Elinye lawona manqanaba athambileyo enkqubo yotyalo-mali kuxa izikhundla zakho kwizabelo zikummandla ongathandekiyo, oko kukuthi, ulahlekelwe. Akukho mntu ufuna le meko ingathandekiyo, kodwa ukuvela kweemarike zezemali, ngamanye amaxesha ngokungalindelekanga, ngokuqinisekileyo kukhokelela koku imeko enobungozi kwimidla yakho njengomgcini.
Ukuba ufikelela kumanqanaba eelahleko kwipotfoliyo yakho yotyalo-mali, awuzukukhetha ngaphandle kokwenza ngokungxamisekileyo, nokuba ucinga ukuba wenze impazamo kwaye uvale imarike yemasheya, nangona izakubiza kakhulu. Kuya kufuneka uyicinge ngokukhawuleza ukulungisa le ngxaki onayo kubudlelwane bakho neemarike zezemali. Ukuhlala kwindawo emile, kwelinye icala, kunokukwenzakalisa ngaphezu kokukunceda, nokuba nexhala.
Kule meko imbi kakhulu, kuhlala kungcono ukuba ungaphandi nzulu kwilahleko eveliswe ngelo xesha. Injongo yakho ephambili iya kubandakanya khusela imali oyigcinileyo ngaphezu koko. Ayothusi into yokuba ukusebenza gwenxa kunokunyamezela iimali zakho, kodwa ukuba ziyaphindaphindwa, imeko iya kuba nzima ngakumbi kuwe. Ukufikelela kwinqanaba elinganyamezelekiyo. Kuya kufuneka uzimisele, kwaye ngokukhawuleza ngcono.
Kuxhomekeke kumaxesha amisiweyo akhethiweyo
Enye yezinto ezakugqiba ikakhulu ukuba ungamelana njani nelahleko kwizabelo ziya kuba ixesha lokuhlala apho utyalomali lwakho lujolise khona. Njengoko oku kuncinci, ubunzima buya kukhula, njengoko ubona kweli nqaku kwiimarike zezemali.
Imeko yokuqala iya kuphakanyiswa kwizikhundla a ixesha elifutshane. Awuyi kuba nezisombululo ezininzi ukusombulula ingxaki enkulu oye wayifikelela. Isisombululo ngokuqinisekileyo siya kuqala nge vala ngokukhawuleza kwizikhundla kwimarike yemasheya. Awunazo ezinye iindlela zokuzikhusela, ngaphandle kokwahluka kweendlela zakho kunye nokujongana nexesha eliphakathi okanye elide. Ngaphandle kwenjongo enye kukulungisa imeko yepotifoliyo yakho yotyalo-mali.
Ngokuthengisa izabelo kwiimarike zezemali uya kuba uthatha impazamo yokusebenza kwakho, kodwa awuzukukhetha. Ngaphandle kokuba uzama ukubuyisela ilahleko ngeenzuzo kwimisebenzi yakho emitsha ukusukela ngoku. Kuphela kwendlela yokuphumelela ukugqibezela iintshukumo zakho kwiimarike zesitokhwe.
Ukuba iindlela zakho, kwelinye icala, zijolise kwixesha eliphakathi nelide, uya kuba nokukhetha okukhulu ukuphuma kwezi ntshukumo ungaphazanyiswa. Akunanto, uya kuba noomatrasi weenyanga ezininzi ngaphambili. Nangona kunengxaki ecacileyo ukuba uya kuphoswa ngamathuba amaninzi okwenza ulondolozo lwakho lube nenzuzo. Kodwa yintoni ngoku malunga nokusombulula ingxaki onayo namhlanje.
Ilahleko: zigutyungelwe yinzuzo enkulu
Ukongeza, unokukhuselwa yimali eyinzuzo esasazwa ziinkampani ezidwelisiweyo kubanini zabelo. Ngale ndlela, nokuba kukulahleka ungabahlawulela ngale ntlawulo imiselweyo kunye nokuqinisekisa qho ngonyaka. Ukuza kuthi ga kwinqanaba lokuba ungavala izikhundla kunye nezibonelelo kwi-akhawunti yakho yezokhuseleko. Sisicwangciso esisetyenziswa ngamanye amaxesha ngabona batyalo-mali bazikhuselayo, abangafuni ukubeka emngciphekweni iintshukumo zabo kwiimarike zezabelo.
Elinye inyathelo onokuthi ulisebenzise kwixesha eliphakathi nelide kukuthengisa izabelo kwilahleko oyifumanayo unyango olungcono lwerhafu kwingxelo yakho yengeniso elandelayo. Ngale ndlela, eyona nto isebenzayo kukuba udibane nomcebisi wakho werhafu, kwaye ibe nguwe othabatha isigqibo sokuba le ntshukumo onokuyenza inenzuzo ukubuyisa ilahleko eziphuhlisiweyo ukuza kuthi ga ngelo xesha.
Isixa semali
Lo mahluko awuzukubaluleka kangako ukunciphisa ukuhla kweepotifoliyo yakho. Kungcono kuya kufuneka uyixabise ngokungathandekiyo ukusukela ngeli xesha. Ayifani into yokufumana inzuzo eyimali ngexabiso elincinci kakhulu, kunokuba utyale imali engaphezulu kwexabiso elifanelekileyo. Kwimeko yokuqala ungade uyicinge, ngelixa kweyesibini iya kuba yinto ecekisekayo kakhulu. Kungoko ukubaluleka kokwahluka kotyalo-mali ukukhusela ukonga.
Ukuba imeko iyenzeka ukuba utyale imali eninzi, akusayi kubakho khetho ngaphandle kokuba ndlongondlongo xa usebenzisa izisombululo. Ukususela ekuqaleni, kwaye ngaphandle kokuvumela ilahleko ukuba ziqhubeke. Kuba inokuvelisa imeko engaphezulu kobuthathaka. Ngokomgaqo, esona sicwangciso sisebenzayo ukuze le meko ingafikeleli ngaphezulu iya kubandakanya ukwenza umyalelo obizwa ngokuba yilahleko yokumisa.
Olu hlobo lweodolo lusebenza ukunciphisa ilahleko. Kuyakuhlala kulunge ukuphulukana ne-3% kwimirhumo yakho yezoqoqosho, ukuba ezi zikhuphuke ziye kuthi ga kwi-8%, nangakumbi kwezona meko zingathandekiyo kwiimarike zezabelo. Luhlobo lwentshukumo ekulula kakhulu ukuyifaka kwaye ayizukubandakanya iindleko ezongezelelweyo kwimarike yemasheya.
Ukusuka kule meko ngamanye amaxesha inzima, kuya kufuneka ulinganise ngokuchaneka kakhulu apho ukhokela ukuthengwa kwakho kwiimarike zezemali. Naluphi na ubalo lwempazamo, nokuba lincinci kangakanani, lunokuxabisa ii-euro ezininzi apha endleleni. Sukukhetha ukhuseleko olucingelwayo. Kuyinyani ukuba unokufumana iinzuzo ezinkulu zekapitali, kodwa ilahleko zinokulingana ngokulinganayo. Kuya kufuneka ulumke ngakumbi ekusebenzeni, ngakumbi kwezona zikhulu.
Iiprofayili zotyalo-mali
Usenokungayazi, kodwa iprofayile oyivezayo njengotyalo-mali oluncinci noluphakathi nayo iya kubaluleka ukuze ube nesicwangciso esichazwe ngakumbi sokulawula ilahleko eziveliswe kwiimarike zezabelo. Ayizukuba sisicwangciso-qhinga esinye ekufuneka sisetyenziswe ngumtyali-mali onoburharha, njengoko oko kusenziwa ngokusesikweni ngoyena mntu uzinzileyo kwiimarike zemali.
Ukusuka kule meko, umtyali mali onoburharha, kwaye kwezinye iimeko nokuthelekelela, uya kuba nezixhobo ezininzi lawula ilahleko kwimarike yemasheya. Ukuya kwinqanaba lokuba ungazamkela ngokwendalo. Mininzi imisebenzi eyenziweyo apha enyakeni kangangokuba kubo yingozi kuphela eyinxalenye yesicwangciso-mali sabo.
Abatyali mali abazikhuselayo, kwelinye icala, banomda kwizenzo zabo. Ixesha kuphela lidlala kwimidla yakho. Nakuphi na ukwehla kwezikhundla zabo zokuthenga kukubuyela umva ngokunzulu kubo. Kwaye oko kuyanda kakhulu xa bejongana neemeko zokuhlawula amatyala. Bajongane nesidingo sokuhlawulela abantwana babo isikolo, ukuhlawula ityala kumntu wesithathu, okanye intlawulo engalindelekanga engekho kuhlahlo-lwabiwo mali lwasekhaya. Ngamanye amaxesha abanokukhetha ngaphandle kokuthengisa izabelo zabo zikwimeko embi.
Ukuze le meko ingaphuhlisi, elona chiza lilungileyo liya kubandakanya tyala imali kuphela kongezo ongazukuyidinga ixesha elininzi okanye elingaphantsi kobulumko. Iya kuba sesona sicwangciso silungileyo sokuphepha ukuya kwezi meko apho isitokhwe sisetyenziswe gwenxa kwiimarike zezemali. Ungalibali ukuba awufuni ukwenza impazamo enkulu kule minyaka imbalwa izayo.
Iziphumo zengqondo kutyalo-mali
Enye yezona zinto zintle kakhulu onokuzenzelwa yimarike yezabelo kukuba banako tshintsha imo yakho. Akumangalisi ukuba kuqheleke phakathi kwabanye abatyali mali (ngakumbi abo banamava kancinci) ukuba xa bekwimeko yelahleko kwipotifoliyo yabo yotyalo-mali isimilo sabo sitshintsha ngendlela ephawulekayo. Ukuya kwinqanaba lokuba irascible ngakumbi, kwaye kwinqanaba elithile loxinzelelo. Kunzima kubo ukuba balale, kwaye bayazi kuphela okwenzekayo kwiimarike zezemali.
Akufanele uye kwezi zinto zigqithileyo naphantsi kwazo naziphi na iimeko. Kwaye ukuba uyabona ukuba le meko inokwenzeka, eyona nto isengqiqweni kukuba awuzinikeli kutyalo-mali. Unazo ezinye iimveliso ukuze uzolile (iidipozithi zekota, amanqaku ebhanki okuthembisa, amatyala oluntu njl. njl. Bayakuvelisa imbuyekezo engaguquguqukiyo neqinisekisiweyo, nokuba ayonelisi kwaphela kwimidla yakho. Khumbula ukuba awunyanzelekanga ukuba uvule izikhundla kwiimarike zesitokhwe.
Iingcebiso ngokuphila nelahleko
Ukuphulukana nemali ayisiyonto imnandi kuye nakubani na, nokuba abatyali zimali abancinci nabaphakathi. Kodwa uya kuba nakho ukuyilawula ngokukuko ngakumbi ukuba eminye imigca eluncedo kakhulu yesenzo ibalulekile kwezi meko. Kuya kuba lula ukuba ubazi, kuba ngamanye amaxesha kuya kufuneka usebenzise zona. Zizo esizivezela apha ngezantsi.
- Zama ngazo zonke iindlela uku khusela imali oyigcinileyo. Zombini ziphuhlisa izicwangciso ezichanekileyo zotyalo-mali, kunye nokukhethwa kwangexesha kukhuseleko olwenza ipotifoliyo yakho yotyalo-mali.
- Lawula ingxaki xa ivela, kwaye hayi xa sele lihambile ixesha Kwaye awusenandlela yokuzikhusela kwilahleko kwizikhuseleko zakho. Awunakukhetha ngaphandle kokuba ubhetyebhetye kuyo yonke imisebenzi kwiimarike.
- Ukutyala imali kwimarike yemasheya ithatha umngcipheko kuzo zonke iintshukumo. Ukuba awuyicingi le nto, uyakube usenza ukungakhathali okunzulu onokuzisola ngako kwiiseshoni ezilandelayo.
- Njengesicwangciso sotyalo-mali, siya kuhlala singcono ndikuthathe ngengqiqo. Kwaye kufanelekile ukuthatha inzuzo encinci yenkulumbuso kunokuba bekulindelwe ukuxabisa okukhulu kwixabiso lezabelo.
- Gcina imali yakho oyigcinileyo ezona meko zintle kwiminqweno yakho, kwaye ungaze uhambe ngokuchasene nomjikelo wento ezibonisa iimarike zezabelo, okanye nomsebenzi woqoqosho lwamanye amazwe uqobo.