Amaqonga ezemali akwi-Intanethi axhasa ukunikezelwa kweemveliso zawo ngothotho lweemali-mboleko ezincinci, ezincinci bakunika phakathi kwe-50 ukuya kwi-800 ye-euro. Kodwa into entsha yesi sicelo sodwa ixhomekeke kwiimeko zesivumelwano oza kusifumana xa usayina ikhontrakthi, ikude kakhulu kunaleyo ibonelelwa ziibhanki. Akumangalisi ukuba umnyinyiva wayo uphantse ube ngephanyazo, kwiiyure ezimbalwa ukusuka kwisicelo sayo, kwaye ngenkqubo ephuhliswe ngokupheleleyo kwi-intanethi. Kwaye ungayenza nanini na, nangeempelaveki.
Kodwa ukuba ngenxa yolunye uphawu kuyimfuneko ukuchaza le ndlela ikhethekileyo yezemali, kungenxa yokukhululeka oya kuba nakho ukufikelela kwimali mboleko. Iinkqubo zalo zolawulo zincinci, kwaye apho esona siphakamiso saso sihle kakhulu yile Akuyi kubakho mfuneko yokuba unikezele ngomvuzo ukuze uxhamle kwiimeko zawo, okanye izincomo ezivela kwabanye abantu, njengoko kuhlala kunjalo kwimali mboleko yebhanki. Ngamanye amaxesha, isicelo sakho siyakwamkelwa nokuba uyinxalenye yoluhlu lwabangathobeliyo (ASNEF, RAI ...).
kunjalo, Bayakufuna umvuzo othile ukuze uphendule ngokwamkelwa kwalo msebenzi, kwaye kwimeko yokugqibela, unganikeza ngesiqinisekiso sakho ngezixhobo ozithengileyo (imoto, ikhaya, igaraji, njalo njalo). Ezi zinikezelo ziya kusebenza, nokuba ungowesizwe saseSpain, okanye ukuba uvela kwezinye iindawo.
Ngenxa yoku, uya kujongana nemali mboleko ezincinci ezinokusombulula ingxaki ethile yokunqongophala kwemali kwiakhawunti yakho yokujonga. Kwaye xa ujongene nesidingo sokujongana neendleko ezincinci, ngokungxamisekileyo, njengebhili yasekhaya (amanzi, igesi, umbane, njl. njl.
Izakubiza malini ityala lakho?
Zizinto eziluncedo kakhulu kwimidla yakho, nangona kungekho simahla kwinkcitho, ezinye zifihlwe phantsi kweprinta yabo encinci. Ngokwesiqhelo iikhomishini azikho kwizivumelwano zazo, oya kuthi uzisuse ngayo iindleko zalo mbono.
Nangona kunjalo, imirhumo yabo - yindlela amaqonga abiza ngayo amaxabiso wenzala abayisebenzisayo- aphezulu kakhulu, ngaphezulu kwalawo aveliswe kwimali mboleko yebhanki. Ngokuqhelekileyo Baliqela elingenakuqhathaniswa ukusuka kwi-20%, kwaneemida ezifuna ngakumbi. Le meko yala majelo enkxaso-mali ithetha ukuba iinzame zemali ekufuneka uzenzile ukuvala umsebenzi zifunwa kakhulu.
Kodwa lumka kakhulu, kuba iintlawulo zakho zinokuphakama ukuba awufezekisi amaxesha abekiweyo ekubuyeni kwabo. Kule meko ithile, Kuya kufuneka ujongane nezohlwayo ezinokuthi zenze ukuba wabele phantse isiqingatha semali efunwayo ukuhlawula imali mboleko. Ukusuka kule ndawo yokujonga, isisombululo siya kusekelwa ekuhlalutyeni ngokweenkcukacha isindululo esenziwe kuwe, ukugqiba isigqibo sokuba ungasithatha.
Kucacile ukuba esinye sezitshixo zokuphepha ukuboleka imali ngokungaphaya kukuhambelana nemigaqo yokuhlawula. Umsebenzi owandisiweyo ngokubonisa kubo ngexesha elifutshane kakhulu bonke. Banobuninzi phakathi kwenyanga enye ukuya kwezimbini. Kwaye kwizindululo zexabiso elincinci bancitshisiwe kwiveki enye. Ukuthintela ukophula umthetho ozisa isohlwayo kwii-akhawunti zakho, awuyi kuba nanyanzelo ngaphandle kokuba uqeqeshwe kakuhle xa usenza imbuyekezo. Akunanto, ukulibaziseka kuya kuthetha ukushiya i-euro ezininzi endleleni.
Inkqubo yesivumelwano sayo, kwelinye icala, ilula kakhulu. Ukuba isicelo sakho samkelwe, Uya kuba nemali kwiiyure ezimbalwa kwiakhawunti yakho yokutshekisha, ngaphandle kokulinda ukwenza ezinye iinkqubo zolawulo. Ukuyisebenzisela nayiphi na injongo ocinga ukuba kufanelekile, kuba olu lwazi aluzukucelwa nangayiphi na imeko. Ukususela ekuthengeni ilaptop, ukuhlawulela irente yendlu yakho. Kodwa enye into encinci, kuba izixa-mali oza kuzinikwa ziya kuhlala zinamanani amathathu.
Ngezithembiso ezinobundlongondlongo
Nokuba yeyiphi indlela, uyakufumana iimali mboleko ezikhethekileyo banezithembiso ezininzi onokuzuza kuzo, ngakumbi ukuba ungumthengi omtsha. Ziyaphuhliswa ukuze zithathe ingqalelo yabasebenzisi, kwaye ziboniswe ngeendlela zorhwebo ezinoburharha ezijolise ekutsaleni umdla wabathengi abanokubakho. Ukuqala, esona siqhelo sisimemo sokungahlawuli nayiphi na inzala, ukuze ubuyisele kuphela imali efunekayo, ngaphandle kweendleko ezongezelelweyo.
Nangona kunjalo, le misebenzi iya kufuna ibango phantsi kweyona mali iphantsi yesibonelelo, ngokubanzi ukuya kuthi ga kwi-300 euros. Iya kusebenza kuphela ekusebenzeni kwakho kokuqala neqonga, ukuze kamva wenze ngokusesikweni inkxaso-mali phantsi kweemeko eziqhelekileyo ekuqeshweni kwakho.
Elinye icebo elisetyenziswa ngababolekisi kwi-Intanethi kukukhetha i Ukubuyisa ngokukhawuleza, ngokufanelekileyo kwiiveki ezimbalwa. Kwaye yeyiphi, ekuvumela ukuba ufumane awona manqanaba wenzala okhuphisanayo kwisibonelelo sabo, nokuba kunokwenzeka ukuba wehle nge-20%.
Elinye iqhinga elisetyenziswe ngababolekisi lixhomekeke kwimveliso yokunyaniseka.. Ukuze ngaphandle kokubanakho ukutsala abathengi abatsha, omabini amaqela anokuxhamla. Kwelinye icala, indala enebhonasi ebalulekileyo kwimali mboleko. Kwaye kwelinye icala, ukuthunyelwa kuyakufumana okokuqala inzala, oko kukuthi, kwi-0%. Kwaye kunye nokwenzeka kokuphinda usebenze kaninzi kangangoko banqwenela. Ukufaka isicelo, kule meko, iqhinga lokuthengisa eliqhelekileyo elivela kwamanye amacandelo orhwebo, kodwa kude kube ngoku alikafiki kwicandelo labucala lezemali, kungasathethwa ke ngebhanki.
Kufuneka ubamangalele nini?
Alithandabuzeki elokuba ezi mini-iikhredithi yenye yeendlela onokuzisebenzisa ngexesha lokungabikho kwemali kwiiakhawunti zakho. Kodwa akukho lula ukubaphatha gadalala, ngakumbi ukubaqesha ngokungeyomfuneko. Kwimeko ezithile kuphela, ukusetyenziswa kwayo kunokukukhupha kuyo nayiphi na ingxaki yezemali ohamba kuyo. Apho ekuphela kwendlela yokuphuma kwiingxaki zakho zenkxaso mali iya kuba kukuqesha enye yezi mveliso zemali.
Kungale ndlela kuphela oya kuthi uphephe ukuwela kwiimeko ezinokubenza nzima ubomi bakho, nkqu ukufikelela kwiimeko ezinganqweneleki kakhulu kwimidla yakho. Ukuba ufuna ukuzisebenzisa ngokusesikweni, awunakukhetha ngaphandle kokuya kwezi meko zilandelayo apho ukutyikitywa kwesi sivumelwano kunokukunceda.
Nini, nangasiphi na isizathu, Uvaliwe ukufikelela kwimithombo yemveli yezemali, okanye awungekhe unikele ngokuthe ngqo kwimivuzo, okanye ubuncinci umvuzo. Ukuba ubandakanyiwe kuluhlu lwabatyholwa Oku kuthintela ukuba usebenze kunye nayiphi na ibhanki okanye amanye amaziko emali. Kule meko, ekuphela kwendlela yokuphuma kwingxaki yakho yokuhlawula amatyala iya kuqala ngesicelo senye yezi mboleko, ukuze uphume endleleni.
Kwimeko apho ibango lakho ifuna inkqubo ekhawulezayo kunye nesigqibo sokuthatha isigqibo, kwaye unokuba nemali mboleko phantse kwangoko. Ngokuqinisekileyo, ngezibonelelo ezivela kwiibhanki, ngekhe ukwazi ukuyenza phantsi kwezi mpawu, kodwa ziya kufuna umonde ongaphezulu kude kube kunyenyisiwe.
Njengamaxabiso ezi miniscule, kwimeko zonke ibhanki yakho yesiqhelo ayinaxanduva lokuzithengisa, kwaye ekuphela kwento onokuyifumana kungokunye kweqonga lezemali. Ukuba uyaqala ukubacela, ukusukela Ungathatha ithuba lokufumana izithembiso ezingenakubalwa zokukunceda uthobe, okanye ususe, umdla ezisebenza kula majelo enkxaso-mali.
Izitshixo ezisibhozo zokuphepha nakuphi na ukubuyela umva
Njengokuba benolu hlobo lwemali mboleko, ngakumbi evela kwimvelaphi yabakhupheli babo, kuya kufuneka ulumke ngakumbi kwinkqubo yabo yokwenza ukuba ungafuni ukuba kwisimanga esibi xa uvale umsebenzi. Ngokuqinisekileyo baya kukunceda uphume ngokukhawuleza okungaphezulu kwesinye.
Kodwa nakuphi na ukophula ikhontrakthi, okanye ukulibala nje naliphi na igatya lalo kunokubangela ingxaki, kwaye ude uhlawule imali engaphezulu kunokuba bekulindelwe ekuqaleni. Ukuthintela oku kungxamiseka, kuya kuba kubaluleke kakhulu kwaye kuluncedo ukuba unike ingqalelo kwezi ngcebiso zilandelayo sizivezayo kweli nqaku.
- Qiniseka ngenqanaba lenzala eliza kusebenza kuwe ngaphambi kokuba utyikitye isivumelwano, kananjalo ukuba ngaba kubandakanya naluphi na uhlobo lwesohlwayo kunye nexabiso elichanekileyo.
- Ukuba lixesha lokuqala lokusebenza neqonga lezemali, Fumanisa malunga nokwenyusa ababandakanya kule klasi yabathengi, kuba ungafumana simahla, oko kukuthi, ngaphandle kwenzala.
- Ukuba awukwazi ukuyibuyisa ngokukhawuleza, kuya kuba ngcono ukuba ungayiqeshi, kuba ngokuqinisekileyo iimeko zayo zibanzi kakhulu kwaye kuya kufuneka uhlawule imali engaphezulu kunokuba bekucingekile ekuqaleni komsebenzi.
- Njengoko zincinci, zingaphantsi kwama-800 euros, Kuya kufuneka usebenzise yonke eminye imithombo yezemali efanelekileyo kwimidla yakho. Unokumangalela izalamane zakho, ukhethe imali mboleko phakathi kwabantu, okanye mhlawumbi uyenze ibe semthethweni ngokuhlawulwa kwakho njengecebo lokuyifumana ngeemeko ezingcono.
- Zama ukuya kumbolekisi ngubani ikunike ubhetyebhetye ngakumbi ngokwemiqathango, ukuze ungagungqi kumaxesha abekiweyo ukuba bakunike ezi mboleko zincinci. Nasiphi na isiliphu ungasihlawula kakhulu.
- Funda ngononophelo iphepha eliprintiweyo lesivumelwano, njengoko inokuba negatya lokuxhaphaza elinokuchaphazela iindleko ezongezelelweyo zokubaqesha.
- Uninzi lwezindululo ezinikezelwa ngamaqonga akwi-Intanethi ziyafana kakhulu, kodwa ke umahluko omncinci kwiimeko zawo unokuba yinto ebangela ukuba uyikhethe.
- Kwaye okokugqibela, gcinani engqondweni ukuba imali mboleko kuya kufuneka ihlawulwe, kwaye Ukuba awukwazi ukuyiphendula, kungcono ujonge ezinye iindlela, nkqu nezinye zazo zoqobo.
ziimboleko zeudura