Ukhuseleko lelinye lamaxabiso afunwa kakhulu ngabatyali zimali abancinci nabaphakathi. Ukuzama ukuqinisekisa ukonga kwakho kunye fumana imbuyekezo ekusebenzeni. Nangona kunjalo, ukhuseleko kwizabelo zinzima kakhulu ukufezekisa ngenxa yeengcali. iimpawu kwezi marike zezimali. Akunakulityalwa ukuba iindlela ezahlukeneyo zotyalo-mali aziqinisekisi nayiphi na imbuyiselo. Ngokungafaniyo nokwenzekayo kwiimveliso zengeniso ezinzileyo ezivelisa inzala kwasekuqaleni.
Ukusukela ngoku ukuya phambili, enye yeenjongo zakho eziphambili iya kuba kukungenisa ukhuseleko olukhulu kuyo yonke imisebenzi oza kuyenza ukusukela ngoku. Kuzo zonke iimeko, kuya kufuna ukonyuka kuqeqesho lokusebenza kwaye nkqu Isicwangciso sokutshintsha kutyalo-mali. Ukuze ngale ndlela, ubekwimeko engcono yokukhusela ulondolozo lwakho ngendlela efanelekileyo. Ngaphandle kokutyeshela izibonelelo onokuzifumana kuyo yonke imisebenzi yakho.
Ngayiphi na imeko, ukhuseleko ekusebenzeni kwiimarike zezemali luya kuba yinto eqhelekileyo ukuba iindlela zakho zotyalo-mali zisendaweni ekhuselekileyo okanye ekhuselayo. Apho ngaphandle kwamathandabuzo ukhuseleko luya koyisa ngaphezu kwezinye izinto. Inomdla kwaye iya kukunceda ukukhusela ulondolozo lwakho ngendlela eluncedo ngakumbi. Ukukhuthaza ukuba ekugqibeleni ilahleko zinokwenzeka kancinci. Ukuze lo msebenzi ube yinyani, akukho nto ingcono kuneengcebiso ezilula onokuzisebenzisa ukusukela ngoku.
Ukhuseleko lweMveliso eyaziwayo
Akukho ndlela ibhetele yokubonelela ngokhuseleko olungaphezulu kokutyala imali oyigcinileyo kwiimveliso zemali oqhele ukuzisebenzisa kakhulu. Phakathi kwezinye izizathu kuba uya kuyazi ukuba bunjani ubucukubhede bayo kunye nemingcipheko ebandakanya onke amaxesha Ukongeza, uya kuba nethuba elikhulu lokungena nokuphuma kwiimarike ngokwazi ukuba ziziphatha njani ezi asethi zemali. Ngokungafaniyo nolunye uthotho lweemveliso ongazazi nokuba ziziphi na iindlela zokuziphatha. Phi kuya kuba lula kakhulu kuwe ukwenza impazamo kwizigqibo ezithathiweyo ukusukela ngoku.
Akusiyo imfihlo ukuba ukurhweba kweyona mveliso ithandwayo kuya kukunceda wenze imisebenzi isebenze. Ukuba awufuni kuphinda ubambe isimanga ukusukela ngoku, awuzukukhetha kodwa gxila kwiimodeli zotyalo-mali ezaziwayo. Gcina iimvavanyo zezinye izihlandlo ezifanelekileyo kwimidla yakho. Kungenxa yokuba oku kukufumana ibhalansi yeakhawunti yakho yokujonga ukuba ikhule unyaka nonyaka. Ngaphandle kokuzama ukukhawuleza ukusebenza nangaliphi na ixesha.
Isitshixo sesibini: chaza ixesha elibekiweyo
Kuyakubaluleka kakhulu ukuba ube neenjongo ezichazwe kakuhle ngokubhekisele kumaxesha osisigxina emisebenzi yakho yobulungisa. Esi sicwangciso siya kukunceda ukuthengiswa kakubi kuyancitshiswa ngenxa yeemfuno zakho zokuhlawula amatyala. Ngokwesiqhelo ukujongana neenkcitho ezingalindelekanga kwaye oko kunokukhokelela ekuphulukaneni nemali eninzi kuyo yonke imisebenzi. Ayinamsebenzi nokuba imfutshane, iphakathi okanye inde okoko into ebalulekileyo kukuba ucacile malunga nala maxesha.
Ukuba usebenzisa le ndlela, alithandabuzeki elokuba uya kuba nokhuseleko ngakumbi ekukhuseleni imali oyigcinileyo. Kwelinye icala, kuxhomekeke kolu tshintsho lubalulekileyo uya kuba namaxabiso afanelekileyo kolu phawu kutyalo-mali. Kuba, eqinisweni, kukho izindululo ezithile kwimarike yemasheya ezinokuthi zilungele amaxesha amafutshane kunye nezinye kumaxesha amade. Sukwenza impazamo enkulu yokudideka ekukhetheni isitokhwe ngokusekwe kukude kangakanani ukuba ulinde ukuphelelwa lixesha.
Isitshixo sesithathu: musa ukutyala yonke into
Elinye lawona macebo asebenzisekayo iya kuba kukutyala imali kwinxalenye yolondolozo lwakho ekhoyo kolu hlobo lomsebenzi kwiimarike zezabelo. Ngale ndlela, uya kuba ukuthintela ilahleko enokwenzeka enokuveliswa ngenxa yale mi sebenzi. Ukuba yi-40% yale mali, iya kuba ngaphezulu kunokwaneleyo ukuqinisekisa zonke iintlobo zokuhamba kwiimarike ze-equity. Ukongeza, kuya kuba luncedo kakhulu ukugcina imali eninzi kwiakhawunti yakho yokujonga.
Ewe kunjalo, eminye imirhumo yesi sicwangciso kukuba iya kukuvumela ukuba usebenze kuyo jonga amathuba oshishino ezihlala ziveliswa kwezi marike zezimali. Apho kufuneka ulinde ixesha elizayo kwaye kungathatha iinyanga ezininzi okanye neminyaka ukuba ezi meko zenzeke. Kwelinye icala, awungekhe ulibale ukuba uya kuhlala uzolile kule meko. Ngenxa yokuba uya kuba nengxaki encinci ekuhlawuleni iindleko zasekhaya, isikolo sabantwana okanye ukuhlangabezana nje neemfanelo zakho zerhafu.
Isitshixo sesine: bamba ixesha
Akufanele ubeke imali ngamaxesha onke, kude nayo. Kodwa ngokuchaseneyo, kuya kufuneka ujonge kwelona xesha liluncedo kakhulu kwiimarike zemali. Umzekelo, kwiindlela eziya phezulu ukuba imodeli yotyalo-mali ekhethiweyo yimarike yemasheya. Umahluko wokwenza umsebenzi ukusuka kwimeko enye ukuya kwenye unokubaluleka kakhulu. Kufana nokwenza ukuba ucinge ukusukela ngoku. Ayothusi into yokuba awunyanzelekanga ukuba utyale imali yakho kuyo yonke imeko. Ngokuchasene noko, kuya kufuneka ukhethe kakhulu kukhangelo lwakho lwamathuba.
Ngale ndlela, kwiindlela eziguqukayo kuyakufuneka ube nokuthambeka ngakumbi kunakwizinto ezi-bearish okanye kamva. Ngale ndlela, kuya kuba luncedo kakhulu ukuhlalutya imeko yangoku yeemarike zezemali. Ukuza kuthi ga kwinqanaba lokuba ufumane enye enokuba nobuthathaka ngakumbi ukufumana igalelo lakho lemali. Nokuba zithini na iinjongo zakho ngalo lonke ixesha. Kuya kufuneka ufunde ukusukela ngoku ukuba mzuzu ngamnye ufuna iindlela ezahlukeneyo kwicala lakho.
Isitshixo sesihlanu: hlala kude kwiityhefu
Ukuba ufuna ukuphucula ukhuseleko lotyalo-mali lwakho, uya kunyanzelwa ukuba ubaleke kulo naluphi na uhlobo lweemveliso eziyityhefu. Akukho mfuneko yokuba ulwalamano lwakho nehlabathi lemali zigcinwe. Kwelinye icala, yeyona ndlela iyingozi yokushiya ii-euro ezininzi apha endleleni. Ngokukodwa, ukuba awunayo inkcubeko yezemali Ukusebenza ngezi fomati ziyingozi ukukhusela umdla wakho. Akumangalisi ukuba i-equation esekwe phakathi komngcipheko kunye nokubuya ekusebenzeni ayinangeniso.
Iimveliso eziyityhefu nazo zinokubangela ingxaki engaphezulu kwesinye okomzuzwana oyifunayo. Cinga ukuba uya kuba nakho okwaneleyo kunye nemisebenzi yakho kwiimarike eziqhelekileyo zokulingana. Umzekelo, ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya okanye nge mali mali. Apho awuzukufumana siqinisekiso malunga nenqanaba lenzala eliza kuxelwa yimisebenzi. Oko akunakuqinisekiswa yiyo nayiphi na imveliso yezemali, nokuba yeyokugcina.
Isitshixo sesithandathu: dibanisa kunye neeasethi ezingaphezulu
Esi sesinye sezicwangciso zokubonelela ngokhuseleko ngakumbi kulondolozo lwakho lobomi. Inokuhlanganiswa kokulondolozwa kunye nezinye iiasethi zemali ezivela kwingeniso esisigxina. Ngale nyathelo uya kufezekisa ukuba umngcipheko uncitshiswe kakhulu. Ukuze ndi ikukhusele kwiimeko ezingathandekiyo kwiimarike zezabelo. Uya kunciphisa ilahleko ngamanye amaxesha eziyingozi kakhulu kwimidla yakho njengomtyalomali omncinci nophakathi. Nokuba kwinqanaba elithile okanye kwenye uya kuba kwimeko yokufumana imali.
Awungekhe ulibale ukuba le ntsebenzo yotyalo-mali iya kukubonelela ngembuyekezo encinci kwinxalenye yeminikelo yakho yezemali. Ukuchasene neziphumo ezibi zamaxabiso amakisha iimarike zezemali. Injongo ekufuneka uyilandele yile lungelelanisa intsalela yotyalo mali. Esinye sezihluthulelo zokufezekisa oku kusekelwe ekunikezeleni imali eninzi kwisicwangciso esinye okanye kwenye, kuxhomekeke kwiprofayili oyibonisayo njengomtyalomali wevenkile. Into engekho lula kumaxesha amaninzi. Nokuba unamava abanzi kolu hlobo lokusebenza.
Isitshixo sesixhenxe: zivumele ucebise
Sebenzisa okanye ukufuna iinkonzo zeengcali zentengiso yezemali umbono olungileyo onokukunika ukhuseleko olukhulu kuninzi lwemisebenzi yakho. Baza kwazi ngawo onke amaxesha apho ii-asethi zemali kufuneka utyalomali imali yakho kuzo. Ngokusebenzisa i- ulawulo olusebenzayo eya kuthi isekwe ekuthatheni ithuba kuzo zonke iimeko eziveliswa kwiimarike ezahlukeneyo zezezimali, ngokufanelekileyo kubandakanya imarike yemasheya. Ungayiqesha le nkonzo kwibhanki yakho yesiqhelo ngohlalutyo nakumasebe olawulo lwenkunzi.
Kwelinye icala, baya kukunika umbono ngakumbi kunokuba ungenakukwazi ukufikelela kuwo ngokwahlukeneyo. Ukongeza ekubeni lolawulo olusebenzayo, iya kuba bhetyebhetye. Ngokusisiseko kuba iyakuba njalo zilungelelaniswe ngeendlela ezahlukeneyo zotyalo-mali. Ayisiyiyo kuphela ibhegi, kodwa kweemveliso ezincinci ezilindelweyo kwinxalenye yakho. Ezi ngcali ziya kuzama ukuphucula imbuyekezo yakho, kodwa ngaphezulu kwayo yonke imeko yokukhuselwa ngaphezulu kweeasethi ezinegalelo. Oku kubizwa ngokuba kukutyala imali, kwaye kudla ngokusetyenziswa kwiimali ezinkulu ezifuna imali.