Kwakhona unyaka uqala, i-2018, ethi ivelise ukungaqiniseki okuninzi phakathi kwabatyali mali abancinci nabaphakathi. Ukuze amanye amatyala aneliswe, ngelixa kwamanye aya kuba ngumdaka kwimidla yabo. Kwimeko nayiphi na into, kuya kuba yikhosi eya kufuneka bajongane nethemba elithile. Apho enye ye- iinjongo eziphambili Iya kubandakanya ukonga imali enenzuzo kunye nokwoneliseka ngokupheleleyo kukujongana nokusebenza kwiimarike zezabelo.
Konke oku kwimithambo efana no-2018 eqala ngothotho lwezithunzi kwinto enokwenzeka kwizabelo zamazwe nezizwe. Ayothusi into yokuba kukho abahlalutyi abadumileyo bezezimali abaqikelela a Utshintsho lwendlela kwaye oko kungakhokelela kwilahleko efakwe kwiintshukumo kwimarike yemasheya. Ewe akusayi kuba lula kuwe ukufikelela kwiinjongo zakho ozifunayo ukusukela ngoku ukuya phambili. Apho ulumkiso luya kuba yenye yezona zinto zixhaphakileyo kuzo zonke izenzo zakho.
Kwimeko nayiphi na into, yonke into ibonakala ibonisa ukuba awuyi kufumana imida yenzuzo yeminyaka edlulileyo. Ukufezekisa iinjongo ezibekiweyo ngeli xesha, awuzukukhetha kodwa ukuba ube uyakhetha kwimisebenzi eyenziweyo kwiimarike zezabelo. Iya kubaluleka kakhulu into yokuba ubekwizinga eligcweleyo lenxalenye elungileyo yonyaka. Kungenxa yokuba amathuba oshishino aya kuza nanini na. Mhlawumbi xa ungayilindelanga kwaye ngenxa yoku kuya kufuneka uchasane nemithombo eyaneleyo yemali.
Ngo-2018: ukulibazisa ukunyuka kwamaxabiso
Enye yezona ndaba zimnandi zokuba abatyali zimali abancinci nabaphakathi banokuba nalo kulo nyaka kukuba bandise amaxesha abekiweyo okuqala ukunyuka kwexabiso lenzala. Ngenxa yokuba imarike yemasheya ihlala iluncedo xa iphantsi. Malunga ne Federal Reserve yaseUnited States (FED) yonke into ibonakala ngathi ayizukulinda iinyanga ezininzi. Zonke izikhombisi zibonisa ukuba eli nyathelo linokusetyenziswa kwikota yokuqala okanye yesibini yonyaka. Ngayiphi na imeko, ukulibaziseka kwinkangeleko yayo kuya kuhlala kufunyanwa kakuhle ngabatyali mali abancinci nabaphakathi.
Xa kufikwa kummandla we-euro, uqikelelo luyinkimbinkimbi. Ngenxa yokuba i-European Central Bank (ECB) inokulibazisa esi sicwangciso semali. Ubuncinci kude kube yinxalenye yokugqibela yalo nyaka unzima we-2018. Nangona ukusabela kwamashishini kwizabelo zelizwekazi elidala bekungakhange kubenzima njengakwelinye icala leAtlantic. Awungekhe uyilibale loo nto inzala ephantsi Bayakwamkela kakhulu ukuba ulayishe iibhegi kwezona ndawo zichaphazelekayo.
Uzinzo kwiprojekthi yaseYurophu
Ngaphandle kwamathandabuzo, ukuqinisekiswa kweprojekthi yaseYurophu kuya kuba yenye yezona ndaba zimnandi zinokufunyanwa ziiarhente ezahlukeneyo zezemali. Ngale ndlela, indima eza kudlalwa ziinjini zololiwe njengoko injalo iya kuba yinto esisiseko Alemania. Nangona kukho ukuthandabuza okuninzi malunga namanye amanyathelo aza kuphehlelelwa ukusukela ngoku. Kwelinye icala, kuya kuba yimfuneko ukubala iinkqubo zonyulo eziya kwenzeka ngo-2018. Yiyo kanye le izakubanjelwa e-Itali, enye yezona zibalulekileyo ekufuneka kujongwane nazo. Ukufumanisa ukuba yeyiphi indlela eza kuyithatha kubudlelwane bayo ne-European Union.
Ukungabikho kohlaselo lwabanqolobi
Kwelinye icala, iyakwamkeleka kakhulu kubatyali mali abancinci nabaphakathi. Ingacima omnye wemithombo ephambili yokungaqiniseki kwezabelo zaseYurophu. Ukongeza kwiindaba ezilungileyo kubo bonke abemi balo mmandla wejografi. Nangona ifuthe layo liza kuncitshiswa kwaye libe neziphumo ezilawulwayo, njengoko kwenzekile kulo nyaka sisandula ukuwugxotha. Ziphi ngokuchanekileyo Ixabiso lecandelo lezokhenketho abasesichengeni kwezi ntshukumo. Ngokuhla kwexabiso kubaluleke kakhulu ngalo lonke ixesha kusenzeka enye yezi ziganeko zoyikekayo. Ngayiphi na imeko, abayi kuba ziintshukumo ezihlala ixesha elininzi lokuthengisa.
Ukukhula okuphezulu kwezoqoqosho
Enye into eya kuthi ichaze iimarike zezabelo kwi-2018 ngaphandle kwamathandabuzo iya kuba kukwandiswa kwezoqoqosho kumazwe ayinxalenye yommandla we-euro. Nakuphi na ukuphambuka okuphezulu kuya kuba ubingelelwe ngokuthenga ngabatyalomali. Ukuya kwinqanaba lokuba yenye yemithombo yesalathiso yokunyusa imarike yemasheya ngeli xesha liqalileyo. Ujongene nale meko, awusenaso esinye isisombululo ngaphandle kokuba wazi kakhulu ngokuvela kwale parameter yezoqoqosho ibalulekileyo. Ngale ndlela, ezi datha zinokumangaliswa ukusukela ngoku.
Uzinzo kwicandelo leoyile
Ukuvela kwegolide emnyama kuya kuba yenye yeempahla zexabiso ekufuneka uzazi ukususela ngoku ukuya phambili. Ayilunganga, nokuba iphantsi kakhulu okanye amaxabiso aphezulu eoyile. Kuba banokuguqula ngokungalunganga uguquko kwezemali zaseYurophu. Inqanaba elilungileyo langaphambili liya kuba malunga ne- $ 45 umphanda. Nangona kuyinyani ukuba amaxabiso e-oyile abanzi aya kukunceda ukungena kwakho kwiinkampani zeoyile. Kuba baya kubona ukuba aqhutywa njani amaxabiso ezabelo zabo. Ngamanqanaba okuhlaziya abaluleke kakhulu anokwenza ngcono kunamanye amacandelo emarike yemasheya.
Ukuzinza kwezopolitiko
Ngokubhekisele kwezopolitiko eSpain, akukho mathandabuzo ukuba iya kwamkelwa kakuhle ziiarhente zezemali, apho ke ubandakanyiwe njengelungu leqela labatyali mali. Kangangokuba inokunceda ii-equities benyuka kwizikhundla ngexesha leenyanga onayo phambi kwakho, qalisa ukwenza ukonga kunenzuzo. Kukho umngcipheko wokuba inkqubo yonyulo iyakwenzeka kulo nyaka. Into enokudala ukudideka kwiimarike zokulingana kuzwelonke. Ukwehla ngokubanzi kuwo onke amacandelo kwaye oko kungakholelwa ekubeni ingxelo yakho yengeniso ekupheleni konyaka icacile. Yinto ongazukukhetha kuyo kodwa ukuyithathela ingqalelo ukusukela ngoku.
Iziphumo ezintle zeshishini
Njengoko kusenzeka minyaka le, kwaye ngale ndlela i-2018 ayinakwahluka, imeko yokwenyani yeenkampani ezidwelisiweyo iya kufaneleka kakhulu ukuphuhlisa naluphi na uhlobo lwezicwangciso kutyalo-mali. Nokuba ufuna ukuthatha isikhundla, okanye kwimeko apho iinjongo zakho kukurhoxisa izikhundla kukhuseleko oluchaphazelekayo. Ngale ndlela, kuya kufuneka uyazi ezi datha zibalulekileyo kwikota nganye yonyaka. Ukuya kwinqanaba lokuba baya kukunika umqondiso ongaqhelekanga malunga nento ekufuneka uyenzile ukusukela ngoko ukuya phambili. Ngayiphi na imeko, kukho ukuhla okuncinci kwimisebenzi yeshishini kwezi nyanga zidlulileyo. Nangona zisachaphazela kakubi ukuvela kweemarike zezemali. Esi sicwangciso-qhinga akufuneki sisilele kwiindlela zakhe nawuphi na umtyali mali omncinci nophakathi.
Ukuqhubeka kokuphakama
Alithandabuzeki elokuba eyona nto uyilindeleyo kulo nyaka mtsha kukuba kuthiwe ngokugcina imeko ephezulu yeminyaka edlulileyo. Imalunga nemeko elungileyo ukuze uqhubeke nokuphucula izikhundla zakho kwimarike yemasheya. Kwaye sonke isiqinisekiso kwinzuzo oyakuyifumana phantse kuyo yonke imisebenzi yakho. Nangona kunjalo, kukho ubungqina obubonakalayo bokuba le meko ayinakuba njalo ngo-2018. Kwimeko enjalo, ingangumbandela ombi kakhulu ukunxulumana nelizwe elihlala linzima lemali. Awunakukhetha ngaphandle kokuba ulumke kule nkalo. Eyona njongo iphambili yokugcina yonke iminikelo yakho yemali. Nokuba yeyiphi na iprofayile oyivezayo njengomtyali mali omncinci nophakathi: ubundlongondlongo, ulondolozo okanye ophakathi.
Lungisa ukungena kunye nokuphuma kwamaxabiso
Kananjalo awukwazi ukungahoyi ukungena kunye nokuphuma kwamanqanaba kwizabelo zaseSpain. Ukongeza, iya kuba ngumsebenzi osebenzayo kakhulu ukuphucula ingxelo yakho yengeniso ukusukela ngoku. Hayi ngelize, uyakuba namaxabiso e amandla aphezulu ibaluleke ngakumbi kunangaphambili. Apho uhlalutyo lobuchwephesha luza kudlala indima ebaluleke kakhulu ekuyiphumezeni ngempumelelo. Nangona uyenza ngesiqinisekiso esipheleleyo kuya kufuneka ubenenkcubeko enkulu yezemali. Ukusuka kwindawo yokujonga ukuvela kwamaxabiso kwizenzo.
Ithamsanqa elincinci alibuhlungu
Le nto ikwadlala indima ebaluleke kakhulu ukuze le 2018 ibe nesiqhamo sokukhusela umdla wakho kwimarike yemasheya. Kwaye awunakulibala ukuba ithamsanqa linokuba sisiphumo sonxibelelwano olukhulu kunye necandelo lemarike yemasheya. Ukuze iziqhamo zibenethemba xa kufika ixesha lokwenza ibhalansi yokugqibela. Njengokuxabisa kokubini kwi uhlalutyo lobugcisa nolusisiseko. Ukuba akwenzi njalo, kuyakuxabisa ngakumbi ukufikelela kwiinjongo zakho. Into eza kubonakala kwisiphumo sokusebenza kwakho. Ukuze yonke into ikhule ngokuchanekileyo kufuneka ube uqeqeshwe kakhulu xa usenza naluphi na uhlobo lwezicwangciso zotyalo-mali. Ukuze iziphumo ezinqwenelekayo ziyinyani ngexesha lokuphela kuka-2018.