Imibuzo ephambili onokuyibuza njengomtyali mali

umtyali mali

Amaxesha amaninzi eyona ndlela ingcono yokuphucula utyalo-mali lwakho kwii-equity kungenxa yothotho lwemibuzo ozibuza yona njengomtyali mali kodwa ongazange ubuze esidlangalaleni. Yinto eqhelekileyo kwaye ifaneleke kakhulu kuba ngeempendulo zabo uya kukwazi okungakumbi ukuba injani na imeko yemali. Kwaye ngenxa yabo, unokuyenza njani Zuza kwimisebenzi yakho kwiimarike zezemali. Ekugqibeleni, sisicwangciso esingayi kuthatha mzamo omkhulu sokwenza.

Ngaphezulu kwesihlandlo esinye, ngokuqinisekileyo uyazibuza ukuba ingaba ii-equity zingcono na kunengeniso esisigxina, zezona zixabisekileyo zentengiso yesitokhwe kwiprofayili yakho njengomtyali mali okanye ngenxa yokuba iphothifoliyo yakho ixabise okuncinci kule minyaka idlulileyo. Ngoku unethuba yiya phambili kancinci ngothotho lweendlela ezingayi kuba ngumfokazi kwimidla yakho. Ukuya kwinqanaba lokuba banokukunika ezinye zezikhokelo ekufuneka uzilandele ukusukela ngoku.

Nangona kunjalo, imarike yemasheya ayisiyo ngqo isayensi kwaye kunokubakho ukutolika okuninzi. Ngaphezulu kunokuba unokucinga kwangaphambili. Ingakumbi ngokuxhomekeke kwiimeko ezahlukeneyo ezinokuvela kwiimarike zezemali. Nangona imalunga nokuba unoluvo lwakho kwaye ngokusisiseko malunga nento ekufuneka uyenzile khusela ibhalansi kwiakhawunti yakho yokujonga. Ngamanye amaxesha ayizukuba ngumsebenzi olula, kude nayo. Iya kufuna ifayile ye- ukuphucula ngakumbi izakhono ukunxibelelana neli hlabathi linomdla kwintengiso yemasheya. Ngayiphi na imeko, le iya kuba yeminye yemibuzo enokukunceda ukuhambisa utyalomali lwakho ukusukela ngoku.

Utyalomali: ngemali eninzi?

dinero

Ngokuqinisekileyo ukhe wacinga ukuba imarike yemasheya ngumdlalo wesityebi. Ewe, kwezinye izinto ulungile ngokupheleleyo. Nokuba yeyiphi indlela, kuyacaca ngokucacileyo ukuba ukubonakaliswa kwemali yakho kubanzi, amathuba okuphucula ubutyebi makhulu kwaye ngokulinganayo. Kule meko, unokuhlala kwimarike yesitokhwe ukuba urhwebo ngamashishini akho ahlawulwa ikakhulu ngengqondo elungileyo. Ngapha koko, abatyali zimali abakhulu ngabo bafumana ezona zibonelelo zininzi kwezi marike apho umthetho wobonelelo kunye neemfuno zikhona.

Kodwa endaweni yoko, uphosakele kwelinye icala lendlela. Ayikho enye, ukuze wena ngokwakho wenze utyalomali kwizabelo kwii-euro ezimbalwa kuphela. Ewe ewe, akukho mntu uya kukunqanda. Kodwa ngokuchaseneyo, Ingeniso eyinkunzi iya kuba yinto encinci. Ngendlela ekholisayo, ayifanelekanga ukuba uvule izikhundla kwiimarike zezemali ngomvuzo omncinci kangaka. Kukhethwa ukuba ukhethe ezinye iimodeli zokugcina ngolondolozo.

Kwimarike yamasheya njengakwezinye iiasethi zemali, awunako ubuninzi okanye ubuncinci bokutyala imali oyigcinileyo. Awunayo imida, enye indlela okanye enye. Ayothusi into yokuba yenye yeenzuzo oya kuzifumana ukuba ukhetha ezi ntengiso ukwenza ulondolozo lube nenzuzo. inkululeko onayo iphantse yaphelela. Nokuba ubalathise kwixesha elibekiweyo ocinga ukuba lelona lifanelekileyo. Kwifutshane, ephakathi okanye ende. Ngamafutshane, eyona ibonakala ifanelekileyo kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi. Ngayiphi na imeko, iya kwahluka kuye ngamnye kubo.

Ngaba uhlala uphumelela kwimarike yemasheya?

Kuxhomekeke. Izinto ezininzi kunye neemeko ezithile ezinokuthi ziveliswe kuyo yonke imijikelo yezoqoqosho. Kuyinyani ukuba kwixesha elide kunokwenzeka ngakumbi ukuba lo mnqweno unawo uzalisekisiwe. Kodwa akusoloko kusenzeka, njengoko usenokuba ubonile ngezinye zezinto ezenziwayo kwiimarike zezemali. Nangona ipotifoliyo yakho ingekho nzima kakhulu, into eqhelekileyo yile ngexesha elingaphezulu okanye elingaphantsi kokufumana imali engxoweni.

Enye into eyahlukileyo yinkqubo eqhutywa ixesha elifutshane ukuya kweliphakathi. Apho phantse yonke into inokwenzeka. Ukusuka ekufumaneni imali eninzi kukushiyele ii-euro ezininzi apha endleleni. Kuya kufuneka ukhumbule ukuba zininzi izinto ezinokuthi zichonge lo mahluko. Ukusuka kwimodeli yotyalo-mali ekhethiweyo ukuya kumagama akhethiweyo. Kwaye imeko enokuthi isethwe ziimarike zezemali. Yonke i-cocktail enokuphuma ongayilindelanga ngaphezulu kwesihlandlo esinye. Yingxowa leyo emva kwayo yonke loo nto.

Ngaba ibeka umngcipheko ngakumbi?

ingozi

Ayinyanzelekanga, ngakumbi ukuba uyazi indlela yokuhambisa iintshukumo zakho ngokuchanekileyo. Ukuze ujonge le ndlela ngokweenkcukacha, ngumzekelo nje onokuwuqonda. Ngoku, Ingeniso esisigxina inika umngcipheko omkhulu kunemali. Nokuba usisoyikiso seqamza kwezi asethi zemali. Ngelixa ukusebenza kwimarike yemasheya kunobungozi obuncinci kwaye inokwenzeka kuphela ukuba unokuphucula ukusebenza kweeasethi zakho. Ubuncinci ngelixa iimeko zangoku zihlala zikhona.

Ukusuka kolu luvo ngokubanzi, imarike yemasheya akufuneki inxulunyaniswe nomngcipheko owandayo. Kodwa izakuxhomekeka ngokusisiseko kwithuba olinikeze kutyalo-mali lwakho. Ukuba ayichanekanga, ukuma kwakho kwezi marike kubuthathaka kwimijikelo yezoqoqosho kunokubaxhalabisa kakhulu. Ngaphandle kothandabuza. Ngayiphi na imeko, kuyinyani ukuba ubulungisa ngokubanzi inikeza ukusebenza okungcono kunezinye iimveliso zebhanki nezemali ezisekwe kwingeniso esisigxina.

Ngaba unenkcubeko yemali?

Ewe kuyacetyiswa. Ayisiyiyo kuphela ukunqanda ngokuqinisekileyo ubunzima okanye ubuncinci iimeko ezingafunekiyo, kodwa ukuphucula okulindelweyo kwishishini. Kufuneka uyazi imveliso apho utyala imali yakho. Ngaphandle kokuzivumela ukuba ucetyiswe ngabantu abangenazo iziqinisekiso ezifanelekileyo. Kuya kufuneka uyazi ukuba zisebenza njani iimarike zezemali. Kwaye ukuba ungazazisa ngokusemandleni akho malunga neemeko zezokhuseleko ofuna ukuziqesha ukusukela ngoku.

Iya kuba sesinye sezona zitshixo zokuthatha isigqibo sokuba utyalomali lwakho luhambe ngcono ukusukela ngoku. Nangona ukuba nenkcubeko efanelekileyo yezemali kuya kwenza izinto zibe ngcono kuwe. Kuya kufuneka ubenazo ezinye izinto ezinokubaluleka okukhulu zezona zinto zichazayo. Phakathi kwabo, kwakhona ithamsanqa. Kuyimfuneko kuzo zonke iinkalo zobomi, kwaye kunokuba ngaphantsi kangakanani, kubudlelwane bakho nehlabathi lemali. Nangona kungenjalo ngokuqina kakhulu njengakweminye imisebenzi.

Ngaba ukutyala imali kwimarike yemasheya kuyabiza?

Kuxhomekeke ngaphezulu kwako konke kwiziphumo ozifumanayo kwimisebenzi oyibeka ngokusesikweni kwiimarike zezemali. Nokuba ibiyintoni na kuzo zonke iimveliso ukutyala inxenye yeeasethi zakho. Lo iya kuba ngumthetho wegolide ekufuneka uzikhokele kuwo ukusukela ngoku. Kodwa ukwazi kwangaphambili ukuba kufuneka uthathe uthotho lweendleko kunye neekhomishini. Ngayiphi na imeko, ukuhlawulwa kwemali akuyi kuba ikakhulu. Xa kuthelekiswa nezinye iimveliso zezezimali.

Uninzi lweendleko zivela kwiikhomishini. Banokuthetha umndilili we-15 ye-euros ekusebenzeni okuphakathi kwama-5.000 euros. Nangona kunjalo, wahlukile izicwangciso zokunciphisa. Ukuba akunjalo, ewe ubuncinci bokukugcinela i-euro ezimbalwa minyaka le. Ngemigca elula yokusebenza. Ngamanye amaxesha bahamba ngokuqesha inqanaba elinye elifana nenqanaba leplati. Ungaqhuba imisebenzi emininzi njengoko uhlala ufuna isixa esifanayo. Kwaye kwabanye, ngokwanda kwamaxabiso okhuphiswano onokuthi uwabone ngokubhankisha kwi-Intanethi. Ngamanye amaxesha ngezaphulelo eziphantse ezingama-50%, oko kukuthi isiqingatha esinexabiso eliphantsi.

Ngaba abatyali mali abakhulu bayaphumelela?

inzuzo

Ayinyani kwaphela, kuba nangona kuyinyani ukuba bahlala bekwimeko engcono yokusebenzisa amathuba angcono oshishino, ungayenza nawe. Nangona uneengxaki ezinkulu ngenxa yakho ukusikelwa umda kweendaba eziveliswa rhoqo ziimarike zezemali. Ukuya kwinqanaba lokuba ngaphezulu kwesihlandlo esinye banokukubamba ngonyawo olutshintshileyo. Ngale ndlela, kuya kufuneka ulumke kakhulu malunga nokusebenzisa iintshukumo ezithile. Umonakalo unokuba mkhulu.

Ukongeza, uya kuba nokufikelela okungaphezulu kokuhamba kweenkampani. Ukufika amaxesha amaninzi emva kwexesha kwaye kakubi. Ukuphoswa yinxalenye elungileyo yokunyuka amava ngamaxabiso aphambili, amacandelo kunye nezalathiso zotshintshiselwano lwesitokhwe samanye amazwe. Ukusuka kolu luvo, ukwimeko embi yokuthengisa urhwebo kunabatyalomali abakhulu.

Ngaba uyawazi amaxabiso?

Ngokwesiqhelo impendulo ithi ewe. Ngokukodwa kwimisebenzi oyenzayo kwixesha elifutshane. Apho kuyakufuneka ngenene oko Landela iikowuti zesitokhwe. Ngenjongo yokuvala imisebenzi ngexesha elifutshane kunokwenzeka. Okanye kweyona meko imbi, ukumisa ukuwa kumaxabiso ezabelo zakho. Nangona kunjalo, kuzo zonke iimeko ikwimeko entle yokuba unomdla kakhulu kwindaleko yezikhundla zakho. Esi sisicwangciso esiliqili sokugcina ukonga lwakho kunye neziqinisekiso ezinkulu.

Ukuba awenzi njalo, uyakwenza impazamo enkulu enokuhlawula kakhulu kwixa elizayo. Inokwenzeka njani into kuwe nangelinye ixesha. Nokuba yeyiphi indlela, umtyali mali olungileyo uhlala eyazi yonke into eyenzekayo ngemali yakhe. Rhoqo kwaye hayi ngexesha.


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