Emva kweenyanga ezininzi bengashiyanga makhaya kwaye bengenalo nolonwabo olukhulu lokwenza, abantu abaninzi bakwazile ukugcina imali kunakuqala. Kodwa ungayifumana njani inzuzo? Zininzi iindlela ezahlukeneyo zokwenza imali eninzi ngemali, enye yazo kukufumana izabelo zenkampani. Lumka: Kanye njengokuba singenza imali kwimarike yemasheya, sinokuphulukana nayo. Ukunceda abatyali mali bexesha elizayo ukuba baqalise olu hambo lwezezimali, siza kuchaza kweli nqaku indlela yokuthenga izitokhwe.
Okokuqala kuyacetyiswa kakhulu tyala kuphela loo mali esingayi kuyidinga kwixesha elifutshane, ukuze singalahleki yonke into ukuba utyalomali lwethu aluhambi kakuhle. Ukongeza, into yakhe iya kuba kukuqala ngexabiso elincinci ukuze afunde kwaye kancinci kancinci ukwandisa ilifa lethu. Ukuba ufuna ukufunda indlela yokuthenga amasheya kunye nokutyala imali yakho, funda.
Kuthatha ntoni ukuthenga amasheya?
Makhe siqale sithethe malunga nento esiyifunayo ukuthenga izitokhwe. Eyona nto ibaluleke kakhulu ngokucacileyo yimali eyoneleyo yokutyala. Umlamli kubalulekile, nokuba kungenxa yebhanki okanye umrhwebi, ukuze akwazi ukufikelela kwimarike yemasheya. Enye into ekufuneka uyigcinile engqondweni yile Utyalo-mali luthatha ixesha ukuqhuba izifundo, iinkampani zophando kunye nokubala inzuzo kunye nelahleko. Ewe, kufuneka sihlale sithathela ingqalelo isixa semali esinokuphulukana naso kwintengiselwano ukujonga umngcipheko okubandakanya. Yinkqubo ebalulekileyo yokwazi ukuba ungazithenga njani izabelo.
Ezona mpazamo ziqhelekileyo
Nangona umntu ngamnye enendlela yakhe kunye nesicwangciso sokutyala imali, kukho iimpazamo ezininzi eziqhelekileyo abatyali mali abaninzi abazibophezelayo. Ke ukuze ufunde indlela yokuthenga izabelo ngaphandle kokwenza ezi mpazamo, siza kuphawula kwezinye zazo:
- Ixabiso lokuleqa: Xa ixabiso lesitokhwe senkampani liqhubeka nokunyuka, abantu abaninzi bathambekele ekungeneni. Le mpazamo ixhaphake kakhulu, kuba kunokwenzeka ukuba abatyali mali bafike emva kwexesha kwaye bafumane ubunzima ekulungisweni kweemarike, oko kuthetha ukwehla kwelo xabiso.
- Sukusebenzisa istoploss: Xa sithetha nge "stoploss" sibhekisa kwixabiso lokulahleka kwesitokhwe esisekwe kwisitokhwe. Ngamanye amagama: Yeyona mali iphezulu sizimisele ukuphulukana nayo ngalo msebenzi. Nje ukuba ixabiso lifike kwindawo yokumisa esiyibekileyo, isitokhwe siya kuthengisa ngokuzenzekelayo. Kubalulekile ukuba usebenzise istoploss, njengoko isikhusela kwilahleko enkulu.
- Ilahleko ezingapheliyo: Eyona mpazamo imbi kukugcina ilahleko ixesha elingenammiselo. Kwenzeka kubatyali mali abaninzi ukuba bafuna ukugcina izabelo zabo kwinkampani nokuba abayeki ukulahlekelwa yimali ngabo. Kutheni besenza oko? Kungenxa yokuba banethemba lokuba iya kuphinda ibuye kwaye iya kugqiba ukuvelisa isixa semali, okanye banethemba lokufumana kwakhona utyalomali. Ezi ntlobo zeemeko ziphela zonakalisa abantu abaninzi.
- Musa ukwahluka: Eyona nto intle onokuyenza kukwahlula iphothifoliyo yethu. Xa yenziwe ngotyalomali oluninzi, ayizukuxhomekeka kukhuseleko olunye, ukunciphisa umngcipheko wokuphulukana nayo yonke into.
Ngawaphi amanyathelo otyalo mali kwizitokhwe?
Ngaphambi kokuba uqale ukutyala imali esitokisini okanye kuyo nayiphi na enye indlela enikezelwa yimarike yemasheya, kungcono ukulandela uthotho lwamanyathelo esiza kuphawula ngawo apha ngezantsi. Oku ngaphandle kweziseko zokufunda indlela yokuthenga izitokhwe.
- Gcina: Kubalulekile ukonga de ube unayo imali eyoneleyo yokutyala kwaye, kwangaxeshanye, ube noomatrasi kwimeko apho iinzame zethu zingahambi kakuhle. Ke ngoko, akucebisi ukuba utyale i-100% yolondolozo lwethu, kuba singaphulukana nayo yonke into.
- UMthetho oYilwayo: Ngokucacileyo, kufuneka sivule iakhawunti ebhankini, kumthengisi-sitokhwe okanye kumrhwebi. Oku kuya kusinika ukufikelela kwimarike yemasheya.
- Amaqonga okulinganisa: Ngaphambi kokungena kwihlabathi lemarike yemasheya, kufuneka sizilolonge ixesha elithile kunye neqonga lokulinganisa. Ngazo sinokwenza intengiselwano yazo zonke iintlobo kwaye sifumane umbono wokuba zisebenza njani kunye nendlela yokuphatha isenzo. Ngokubanzi, abathengisi babandakanya la maqonga kumaphepha abo ewebhu okanye usetyenziso.
- Uhlalutyo: Imarike yemasheya ayifani nelottery. Ayisiyo malunga notyalo-mali kwiinkampani ezinkulu okanye ukuthenga izabelo kuba umhlobo okanye umabonwakude usicebisile. Kuya kufuneka sazi ukuba siyibeka phi imali yethu. Ukwenza oku, ukwenza uhlalutyo lwenkampani ngaphambi kokuthenga izabelo kubaluleke kakhulu. Leliphi elona xabiso lalo? Ufumana malini ngonyaka? Ngaba iimveliso ozibonisayo zinekamva? Ukutyala imali kwinkampani ayisosigqibo ekufuneka sisithathe kancinci, kufuna ukuba sifunde ngaphambili.
- Ekugqibeleni sinayo fumana izabelo: Ukwenza oku siza kubala isixa semali esikulungeleyo ukutyala imali kwaye ngokusekwe koku siya kufumana ngaphezulu okanye ngaphantsi izabelo. Nangona kunjalo, kungcono ungabhejisi yonke into kwinkampani enye, kodwa ukwahlula iphothifoliyo yethu. Oku kuyakusinceda ukuthatha umngcipheko omncinci wokuphulukana nayo yonke into xa utyalo-mali lubi.
Ungazithenga phi izitokhwe?
Ukuba sifuna ukutyala imali kwimarike yemasheya, ekwabandakanya ukuthenga izabelo, ngokubanzi sinokukhetha ezimbini:
- Ngebhanki.
- Ngomthengisi.
Sonke sineakhawunti yebhanki, kodwa ukuze sityale imali okanye sithenge izabelo zenkampani, ngesiqhelo Iibhanki zisinika iakhawunti ethile yoku, Ewe kuya kufuneka uhlangabezane neemfuno ezithile eziya kuxhomekeka kwiziko. Ukwenza intengiselwano kwimarike yemasheya ngeebhanki kuhlala kuyeyona ndlela ikhuselekileyo, kodwa ngamanye amaxesha kuyabiza kakhulu ngenxa yekhomishini.
Umrhwebi, okwabizwa ngokuba ngumthengisi wesitokhwe, ngumlamli osebenza kwezoqoqosho oququzelela ukuthenga nokuthengisa kwimarike yemasheya kwaye umvuzo wakhe usekwe kuqokelelo lweekhomishini. Zihlala zikulungele ukusetyenziswa kuneebhanki kwaye zitshiphu. Nangona kunjalo, baninzi abarhwebi abangadibaniyo nentengiso, Oko kukuthi: Ukuba sithenga izabelo ngazo, asizithengi izabelo zokwenyani kwintengiso. Ke ngoko, kufuneka sizazise phambi kokuba zeziphi ezinokuthenjwa.
Ndiyathemba ukuba eli nqaku likuncede ukuba wazi ukuba ungazithenga njani izitokhwe kunye nento ekufuneka uyiqwalasele.