Amaqonga ezemali akwi-Intanethi axhasa ukunikezelwa kweemveliso zawo ngothotho lweemali-mboleko ezincinci, ezithi bakunika phakathi kwe-50 ukuya kwi-800 ye-euro. Kodwa into entsha yesi sicelo sodwa ixhomekeke kwiimeko zekhontrakthi oya kuzifumana xa usayina ikhontrakthi, kude lee nezo zinikezelwa ziibhanki eziqhelekileyo. Hayi ngelize, ukunikezelwa kwayo kuphantse kwangoko, kwiiyure ezimbalwa ukusuka kwisicelo sayo, kunye nenkqubo ephuhliswa ngokupheleleyo kwi-intanethi. Kwaye ungayenza nanini na, nokuba ngeempelaveki okanye ebusuku.
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, ungabhenela kwisiqinisekiso sakho ngezixhobo ozifumeneyo (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.), ityala elinikwe umntu wesithathu, okanye ukuhlawulwa okungalindelekanga kuhlahlo-lwabiwo mali losapho.
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. Ngokwesiqhelo kukho ibhendi engenakuqalwa eqala kwi-20%, nokuba inemida engaphezulu. Le meko yala majelo enkxaso-mali ithetha ukuba iinzame zemali ekufuneka uzenzile ukuvala umsebenzi zinzima ngakumbi.
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 ukungena kwizenzo zolwaphulo-mthetho ezihlawulisa iiakhawunti zakho, awuzukukhetha ngaphandle kokuba uqeqeshwe kakhulu ukuthobela le nkqubo yolawulo. Ayothusi into yokuba, ukulibaziseka kwinxalenye yakho kuya kuthetha ukushiya i-euro eninzi 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. Ziphuhlisiwe ukuze zithathe ingqalelo yabasebenzisi, kwaye ziboniswe ngeendlela zorhwebo ezinoburharha ezijolise ekutsaleni umdla wakho. 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 yokunikezelwa, ngokubanzi ukuya kuthi ga kwi-euro ezingama-300, kungasekho ngaphezulu. Iya kusebenza kuphela kwindawo yokuqala kunye neqonga, ukuze uyenze ibe semthethweni phantsi kweemeko eziqhelekileyo ekuqeshweni kwakho. Elinye icebo elisetyenziswa ngababolekisi kwi-Intanethi kukukhetha i ukukhawulezisa ngokukhawuleza, ukuba kunokwenzeka 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 kuya kuyifumana okokuqala inzala, ngaphandle kwe-0%.
Kwaye kunye nokwenzeka kokuphinda usebenze kaninzi kangangoko unqwenela. 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 akufuneki ubaphathe gadalala, ungasathethi ke ngokubaqesha 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 ukusayina ikhontrakthi 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 awuyi kukwazi ukuyenza phantsi kwezi mpawu, kodwa ziya kufuna umonde ngakumbi de kube kugqityiwe.
- Ukuba ziimali ezincinci, kulindeleke Ibhanki yakho yesiqhelo ayongamele ukuthengisa, kwaye ekuphela kwendlela yokuyifumana kungokunye kweqonga lezemali.
- Ukuba uyaqala ukubacela, ukusukela Uyakwazi ukusebenzisa ithuba lokunikezela ngenkuthalo elinokukunceda uthobe, okanye ususe, umdla ezisebenza kula majelo enkxaso-mali.
Izitshixo ezisibhozo zokuphepha nakuphi na ukubuyela umva
Njengoko ezi yimali mboleko ezinje, ngakumbi ezivela kwimvelaphi yabakhupheli babo, kuya kufuneka ulumke ngakumbi kwinkqubo yabo yokwenza ukuba ungafuni ukuba kwisimanga esibi xa uvale umsebenzi.
Ngokuqinisekileyo baya kukunceda uphume ngaphezulu kwengxaki enye, akunjalo. Kodwa nakuphi na ukophula ikhontrakthi, okanye ukulibala nje naliphi na igatya laso, kunokubangela ingxaki, kwaye ndikukhuthaze ukuba uhlawule imali engaphezulu kunokuba bekucwangcisiwe. Ukuthintela oku kungxamiseka, kuya kuba kubaluleke kakhulu kwaye kuluncedo ukuba unike ingqalelo kwezi ngcebiso zilandelayo sikubhengeza 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.