Zihambile iintsuku apho ukwenza intengiselwano ngokusemthethweni ukuze kuthengwe kwaye kuthengiswe izabelo kwimarike yemasheya bekuyimfuneko ukuya kwisebe lebhanki ukugcwalisa iodolo. Kwaye uthini malunga yathetha ukulibaziseka okungenani kweeyure ezimbalwa de ifike kwizabelo zentengisonjengoko yayingazange yenzeke ngexesha lokwenyani. Okwangoku akusekho mfuneko yokuhamba kwezi meko ziphelelwe lixesha ukuze uthathe izikhundla kwii-equity enkosi kwiselfowuni yakho.
Ukufika kwe ubuchwepheshe obutsha Kwenze kwalula kwaye kwaba lula ukwenza le misebenzi yotyalo-mali. Kwaye unokwenza nakwiselfowuni yakho, ukuba nje iyahlangabezana neempawu eziyimfuneko ukuze uziqhelanise nezi fomati zotyalo-mali. Ngenzuzo eyongezelelweyo yokuba Unokurhweba kwimarike yemasheya kuyo nayiphi na indawo kunye nexesha olifunayo. Ukusuka kwindawo yakho yeholide, kuzo zonke iihambo, okanye ngelixa ukwivenkile yokutyela usitya nabahlobo bakho. Ngaphandle kwesidingo sokuya kuyo nayiphi na iofisi. Ayisiyiyo kuphela kwiimarike zesizwe, kodwa nangaphaya kwemida yethu.
Nangona kunjalo, ukusebenzisa esi sicwangciso kuya kuba yimfuneko ngokupheleleyo ukuba uhlangane nothotho lweemfuno ezisezantsi, kwelinye icala, akunzima kakhulu ukuthobela. Kwaye baya kukuvumela Sebenzisa iselfowuni njengesixhobo sokuhambisa utyalo-mali lwakho. Ngokusebenza ngakumbi kunokusebenzisa ezinye izithuthi ezingaqinisekanga ukuba zisebenze kwiimarike zezemali, ezinye zazo ziphelelwe lixesha. Kwaye uluhlu lwezibonelelo, kwelinye icala, ukuba ungalijonga eli nqaku kulawulo lotyalo-mali.
Yintoni ekufuneka uyenzile ukuze usebenzise iselfowuni?
Ewe kunjalo, imfuno yokuqala iya kuba kukuba uneselfowuni eyilwe kutshanje, kokukhona kuya kuba ngcono ngoku, ukuze ukwazi ukwenza le misebenzi ikhethekileyo kwizabelo. Kwaye kunjalo, mayibe njalo iyahambelana nalo naluphi na uhlobo lwesicelo ukuba ibhanki leyo ungumthengi wayo, ukuba isebenze ngokukhawuleza kwii-equities. Zonke iiselfowuni zesizukulwane samva nje zigcina eli nqaku, ke akufuneki ubenangxaki yokudlula ngokulula kwesi sihluzo sokuqala.
Ke, iya kuba sisinyanzelo esamkelekileyo sokuba ungumthengi webhanki leyo themba kwinkonzo ekwi-Intanethi ukuze ukwazi ukusebenza kwimarike yemasheya ukusuka kumzuzu wokuqala. Ayizukuba yingxaki engenakoyiswa, kuba uninzi lwazo luyahambelana nolu phawu, kwaye unokufikelela kwipotifoliyo yakho yotyalo-mali kwikhompyuter, okanye nokuba lula kakhulu kwiselfowuni osoloko uhamba nayo. Kukho neebhanki ezithile ezisebenza kuphela ngezi ndlela zobugcisa.
Nangona kunjalo, nangona ungumthengi webhanki, Kuya kufuneka ubhalise kule nkonzo bakunika yona. Kuya kufuneka uyicele, kwaye iziko lezemali ngokwalo liya kukunika isitshixo kunye negama lokugqitha ngokukhawuleza ukuze ufikelele kule nkonzo yebhanki ngokukhawuleza. Nje ukuba ufumaneke, uya kuba nakho ukugcina ubudlelwane obutsha kunye neenkonzo zebhanki, kwaye inokukothusa ngezinto ezintsha ezibandakanya oko. Ayisiyokusebenza kumvuzo oguqukayo kuphela, kodwa ukujonga ibhalansi, ukuthumela ukudluliselwa, okanye nokucima intlawulo yayo nayiphi na irisithi engamkelekanga.
Ukuba ngenxa yaso nasiphi na isizathu ulahlekelwa ziikhowudi zokufikelela, ungakhathazeki kakhulu, kuba kuya kufuneka wazise iziko, kwaye kwangolo suku lunye uya kuba nesinye isazisi esitsha sokufaka imixholo yale nkonzo yezemali. Ngamanye amaxesha, unokufuna ukukhuphela usetyenziso oluthile, kodwa ukuphuhlisa le nkqubo kwiselfowuni akuyi kuba yingxaki. Iya kuhlala kuphela imizuzu embalwa, emva koko ube nesixhobo esifunekayo esinokukunceda utshintshe utyalo-mali kwezona meko zingalindelekanga.
Ungathengisa njani?
Nje ukuba uyiqwalasele le nkonzo yezemali kwifowuni yakho ephathekayo, kuya kufuneka uqale ngokuphuhlisa eyona misebenzi iphambili yesitokhwe. Uncedo olukhulu oya kuthi ulufumane kwasekuqaleni kukuba uya kuba nokuhamba kweemarike zentengiso ngexesha lokwenyani, hayi ngendlela elityazisiweyo njengangaphambili. Kuya kuba kubaluleke kakhulu ukuba uyithathele ingqalelo le nto ukuze uhlengahlengise ukuthengwa kwakho kunye nemisebenzi yokuthengisa. Ukwazi ukufumana ii-euro ezimbalwa kuyo nganye.
Kwaye konke oku kusimahla, kuba iyinkonzo engazukufumana mali ngaphandle. Akukho khomishini okanye iindleko zokugcina Akukho nanye kwezi meko. Ukongeza, awuzukunciphisa kuphela ukusebenza kwiimarike zesizwe, kodwa uya kuba nakho ukwenza ikhontrakthi yeasethi yemali naphina. Ukusuka kwizabelo zamantla eMelika ziye kwezaseYurophu, kwaye ukuba uyafuna, kukwakho nezaseJapan.
Ukusuka kwesi sixhobo semali sele sinjalo iselfowuni, unokwenza imisebenzi emininzi. Ukusuka ekubonisaneni nenqanaba lezona ndawo ziphambili zesitokhwe okwangoku, kwaye wenze ngokwezifiso kunye nokukhuseleka okhethileyo ukukuhlanganisa kwipotifoliyo yakho yotyalo-mali, de kube kulungiselelwe ukuthengwa kunye nokuthengiswa kwezabelo ngalo naliphi na ixesha, kwaye ngaphandle kwezithintelo.
Ngaphandle kwezicelo ezithile, uya kuba nakho ukufumana ulwazi oluthe kratya olunokukunceda uthathe isigqibo ngesiqinisekiso esikhulu ngakumbi. Ukufikelela kuthotho lwegrafu oluya kunceda ekuboneni ngcono imeko yeemarike zezabelo, nokuba ungonxibelelwano ukuze ukwazi ukulinganisa imisebenzi ethile ngaphambi kokwenza umsebenzi wokugqibela.
Ngayiphi na imeko, kufuneka uqiniseke ukuba unebhalansi eyaneleyo yokuphuhlisa ukusebenza kwemali ngaphandle kwengxaki. Ngale ndlela, akusayi kubakho mfuneko yokuba ubekho ekhaya okanye emsebenzini ukukhuthaza le misebenzi, kodwa ungayenza naphi na, nokuba ukude kangakanani nekhaya, okanye nalapho uvela khona.
Kukunceda ngantoni?
Ukulingana kwezorhwebo ngeselula yakho kunezibonelelo ezingathandabuzekiyo. Yinto engenakuphikwa, kwaye ngezenzo ezichanekileyo awuyi kugcina kuphela i-euro ezimbalwa kwimisebenzi ephambili, kodwa kunye nejelo lesicwangciso esisebenzayo ngakumbi nesichanekileyo. Ngenxa yoko, ngokuqinisekileyo uya kulwandisa utyalo-mali lwakho ukusukela ngoku, ubenze babe nenzuzo ngakumbi. Kwaye kuyo nayiphi na imeko, ngaphandle kokufuna umgudu okhethekileyo, kodwa ngokuchaseneyo, uhlala ukhululeke ngakumbi kwizinto onomdla kuzo.
Ewe, izibonelelo ezinokuthi ziveliswe ngale nkqubo yotyalo-mali ziyahluka, kwaye zahlukile. Kwaye kuya kuba lula kuwe ukuba ubazi ukuze ungachithi ukusetyenziswa kwesi sitishi sitsha kutyalo-mali osele unalo, kwaye ungabinakho. Kwaye oko kungabonakala kwezi zibonelelo zilandelayo sikubhengeza kweli nqaku.
Ungafikelela nakweyiphi na imarike yemasheya emhlabeni, ngaphandle kwezithintelo, kuphela ezo zibekwe yibhanki ongumthengi wayo. Ayothusi into yokuba uya kuba nayo yonke into oyisebenzisayo kwifowuni yakho encinci. Utshintsho olukhulu ngokubhekisele kwezinye iimodeli ozisebenzisileyo kude kube ngoku.
Izibonelelo zandiswa nakwezinye iindawo zobudlelwane kunye nebhanki. Ngamanye amaxesha, ngeekhomishini ezikhuphisana ngakumbi, kwaye oko kuya kukugcinela ii-euro ezininzi kwintsebenzo nganye, kwaye njengokongezwa unyaka wonke. Kuya kufuneka wenze izibalo ezimbalwa ezilula ukukhangela ingqokelela yeendleko onokuyiphumeza ngale nkqubo intsha.
- Akukho mfuneko yokuba ubekho naphi na ukuze wenze ngokusemthethweni ukuthengiselana kwesitokhwe. Hayi ekhaya, kungekhona emsebenzini, okanye kwenye indawo. Ungayihlakulela naphi na apho ukhoyoNokuba ukwiholide phesheya.
- Uya kuba nayo yonke ulwazi kunye namaxabiso entengiso ngexesha lokwenyaniNgaphandle kokulibaziseka kwexesha, ukuze kube lula kuwe ukulungelelanisa amaxabiso okuthenga kunye nokuthengisa emisebenzi yokulingana, kokubini kwiimarike zesizwe nangaphandle kwemida yethu.
- Ayizukukhawulela kuphela kwintengiso yesitokhwe yemveli, kodwa uya kuthi unokufikelela kolunye uthotho lweemveliso zemali. Ngamanye amaxesha, kuyilo oludala (imali yotyalo-mali), kunye nakwezinye, ezibonakaliswa kukunxibelelana kwabo okuphezulu (ukuthengisa ngetyala, iziqinisekiso, iimali ezithengiswayo, njl. Njl.).
- Ngaphandle kwento onokuyikholelwa ekuqaleni Ayizukuhlawula iindleko ze-euro enye ukuze uthathe inxaxheba kwezi ndlela zintsha zotyalo-mali. Abanawo umrhumo owongeziweyo owenziweyo, ubuncinci iikhomishini. Uya kudinga kuphela ukuba ube ngumthengi wequmrhu, ngaphandle kokuqhubeka.
- Yinkqubo yokwenyani Iluncedo ekujonganeni notyalo mali ngexesha lakho leholide, apho kuya kuba nzima ngakumbi ukuba nekhompyuter yakho, okanye ngokuya kwisebe lebhanki ukuyokukwenza umsebenzi ngokusemthethweni ngexesha elifanelekileyo.
- Ukusuka kwibhanki yakho baya kuba nakho ukukucebisa ukuba uhambise eli bango ngendlela echanekileyo, kwaye ngokukhawuleza okukhulu. Nkqu kumaphepha abo ewebhu uya kuba nolwazi oluyimfuneko ukusebenzisa le nkqubo ngokuqinisekileyo. Ukubonisana nayo kwikhompyuter yakho.
- Kwiimeko ezininzi, kuyakufuneka ukhuphele ezinye izicelo ukuze uqinisekise le nkqubo, engayi kubandakanya nayiphi na indleko yemali, nkqu nokuhlawulwa kwayo nayiphi na intlawulo yenyanga okanye yonyaka. Yinkonzo yasimahla kwaphela, kwaye iyasebenza kakhulu kwimidla yakho njengomtyali mali omncinci.
- Kwaye nangayiphi na imeko, kuyakufuneka uzixhobise ngeselfowuni yesizukulwane samva nje, ekuvumela ukuba uhambe ngokukhawuleza nangokukhuselekileyo kwiinkonzo zezemali eziye zaphuhliswa ziibhanki. Kuya kuba yinto efanelekileyo ukuba uchitha ngaphezulu kwiimodeli eziphambili. Iya kuba yenye indlela yokutyala imali oyigcinileyo, eya kuthi ibe nokuxabiseka kule minyaka imbalwa izayo.