Ewe kunjalo, ixesha elinobulumko sele lidlulile ukwenza uvavanyo olunzulu lokuvela kotyalo-mali lwakho. Nokuba utshintshe iiasethi zemali. Ayisiyiyo kuphela ngokubhekisele kwi- ngeniso ekhoyo, kodwa nakwingeniso esisigxina okanye nakwezinye iimodeli zotyalo mali ngokucacileyo. Iya kuba ngumzuzu ongaphezulu kokufanelekileyo ziyahluka okanye zigcine izikhundla zakho. Ngenjongo yokuba kwiinyanga ezizayo imbuyekezo kulondolozo lwakho yomelezwe ngamandla amakhulu. Awunakukhetha ngaphandle kokusebenza ngakumbi ekulawuleni ikapitali yakho.
Ukuba yonke into ihamba ngokwesicwangciso, Siyavuyisana. Shiya yonke into njengoko injalo, kwaye mhlawumbi wenze utshintsho oluncinci khusela utyalo-mali lwakho kwiimarike zezemali. Kodwa ngaphandle kokuhamba ngequbuliso kuba ngaphezulu kokukunceda ufezekise le njongo, kunokukwenzakalisa nangaphezulu kunokuba ubucinga ekuqaleni. Esi iya kuba sisicwangciso esiliqili sokuqhubeka kumgca omnye olungileyo apho ubhaptizwa khona kula maxesha achanekileyo.
Elinye ityala elahluke kakhulu lelokuba utyalomali aluphuhlisi ngendlela obufuna ngayo. Akusayi kubakho sisombululo simbi ngaphandle kokutshintsha icala kwaye usijolise kwelona qondo liphezulu lenzuzo elinikezelwa ziimarike zezemali. Uyakwazi ukwenza ukuba ezi zinto zenziwe ngokusesikweni ngeendlela ezahlukeneyo eziya kuba nenjongo ephambili lungisa iimpazamo ezenziwe okoko kwaqala unyaka. Ngeendlela ezizezinye etafileni, okanye ngakumbi kwiimarike zemali. Njengoko uya kuba nakho ukukhangela apha ngezantsi.
Tshintsha utshintsho: njani?
Ngokufika kwentwasahlobo kwakhona, iya kuba lelona xesha lifanelekileyo lokuphucula uhlengahlengiso oluyimfuneko kutyalo-mali lwakho. Iya kuba ngumzuzu wokuzibuza imibuzo ethile eluncedo kakhulu kwimidla yakho. Umzekelo, sijonga phi okanye zeziphi iindlela ekufuneka ujolise kuzo kutyalo-mali lwakho ukusukela ngoku. Ngokusebenzisa iindlela zokupheka eziluncedo kakhulu ungaya phambili kutyalo-mali lwakho kulo nyaka. Okanye ukuya ixesha elide lokuhlala ukuba lo ngumnqweno wakho.
Kungenxa yokuba, enyanisweni, akukho nto ilunge ngaphezu kokutshintsha okona kubi kuwe. Yiba kwisivumelwano seemveliso zezemali njengotyalo-mali ngqo kwiimarike zesitokhwe. Ukusuka kolu luvo, nakuphi na ukuphuculwa kunokukwenza ukuba wandise ukujonga ibhalansi yeakhawunti ngokulula. Olunye lwale mibono luvela kwifayile ye- indlela esebenzayo ngakumbi Ukuza kuthi ga ngoku. Ngokuchukumisa kumanqaku apho inyani ingahlangabezani nolindelo lwakho.
Ukwahlula umngcipheko
Awunakukhetha ngaphandle kokulawula umngcipheko wokusebenza kwakho kwemali. Ewe kakhulu kunangaphambili. Kufuneka ufake isandla izisombululo eziguquguqukayo ngakumbi kubudlelwane bakho nehlabathi elinzima lemali. Enye yezi zenzo zakho inokuqhubeka kwindlela yotyalo-mali ethe gabalala. Ewe kunjalo, kuya kukunceda ufezekise iinjongo zakho ekupheleni konyaka, ubuncinci.
Ingcebiso esebenzayo kwezi meko ibandakanya ngokuthe ngqo ukuphonononga zonke iiasethi ezenza ipotifoliyo yotyalo-mali ngeli thuba lincinci. Kungenzeka, umzekelo, ukuba abatyali mali bane ubunzima obuphezulu kakhulu kumacandelo athile. Ngokufumana ikhontrakthi kwiimveliso ezithile zemali. Iya kuba lelona thuba lililo lokuqhuba uqhelaniso olutsha kolu tyalo mali. Ukususa ubukho bamacandelo ngezikhundla eziphezulu kuyilo olukhethiweyo.
Esinye sezicwangciso ezibonelela ngoncedo olukhulu kubo bonke abasebenzisi kukugcina ulungelelwaniso oluthile kwiiasethi zemali. Igumbi lokunika, hayi kuphela kwiimveliso ezinxulunyaniswe nezabelo, kodwa kubandakanya enye ingeniso esisigxina okanye ezinye iindlela Ngayiphi na imeko, ukuba iprofayili oyivelisayo ibonakalisa ukuba iyalondoloza okanye iyazikhusela, uya kuba nethuba lokwenza njalo ukunciphisa ulawulo lomngcipheko. Eli nyathelo linokwenziwa ngamacandelo anobunzima kunye neemveliso ezinomngcipheko ophantsi kunamanye. Iya kuhlala ikhusela ngakumbi kulondolozo lwakho ukusukela ngoku.
Ukuphonononga iimpazamo ezenziwe
Kwelinye inqanaba leenkqubo ekufuneka uzenze zisesikweni kweli candelo, awunakuphosa uphonononge utyalomali olungasebenzi. Kwaye ngokuqinisekileyo iya kulusebenzisa nzima utyalomali luphela. Iya kuba sisizathu esifanelekileyo sokwenza utshintsho olusengqiqweni kwipotifoliyo yakho yotyalo-mali. Ukuze le nkqubo ihanjiselwe zonke iziqinisekiso, eyona ndlela ifanelekileyo ekufuneka uyiphumezile ngayo kukuyithwala ngamaxesha athile. Inokwenziwa qho ngekota, isemester okanye nangonyaka. Yonke into iya kuxhomekeka kwiimfuno zokwenyani onazo ngalo lonke ixesha.
Elinye icebiso eliluncedo kula mathuba lilele kubuchule bokuziqhelanisa neemfuno ezintsha ezibekwe ziimarike zezemali ngalo lonke ixesha. Kuba ngokwenene, ukuba unoluvo lokuba ezinye iimveliso okanye amaxabiso baya kuyenza ngcono okanye imbiIyavakala into yokuba uhlengahlengise iphothifoliyo yakho ngokufanelekileyo. Akumangalisi ukuba ube nakho ukudideka okanye ungakhange ucinge ngemeko ezithile ezenzekayo ngoku. Nangona oku uzakufuna utshintsho oluncinci okanye olukhulu kwinxalenye enkulu yotyalo-mali.
Awunakulibala ukuba uguquko olulungileyo lweasethi ethile yezemali ingakhokelela ekubeni uvule izikhundla ezintsha kwimisebenzi oyilibeleyo. Ngesicwangciso esiliqili solawulo esisebenza kakhulu esazi kakuhle iindaba ezenzekayo kwilizwe lezoqoqosho. Zombini kwinqanaba lesizwe nangaphandle kwemida yethu. Iya kuba yindlela ebangela umdla ukonyusa imbuyekezo kulondolozo lwakho. Ngeziphumo ezinokuba namandla kakhulu kwaye kungcono, kunenzuzo ngakumbi kunangaphambili.
Ukunyusa iiasethi ezikhoyo
Le yeminye yemigca ebalulekileyo yezenzo onayo phambi kwakho ukusukela ngalo mzuzu ukuya phambili. Kungenxa yokuba esi sicwangciso-buchule sisodwa sisekwe kwinto elula njenge ezona mveliso zinenzuzo kuwo wonke umzuzu. Oku kuyakufuna ukuba wenze uphononongo rhoqo lweeasethi zakho eziphambili zezemali. Ukuthatha indawo yabo yeyona nto isebenza kakuhle kwiimarike zezemali. Iya kuba luhlaziyo olubizwa ngokuba luncedo kakhulu kwimidla yakho.
Iya kuba sesinye sezona ndlela-qhinga onazo zokuba usebenze ngokusesikweni kwaye wenze umda wenzala ube nenzuzo okwexeshana okanye eliphakathi ngokusisigxina. Ngale ndlela, uya kuba kwimeko efanelekileyo yokufumana ezokwenyani ngexesha. mathuba o shishino. Ngokusekwe kuzo zonke iimeko ezinokubakho zemali. Ukusuka kwelona liphezulu ukuya ekucaciseni ngokucacileyo. Kuzo zonke uya kuba neendlela ezizezinye zokwenza imisebenzi enenzuzo kwiimarike zezemali. Ngokungafaniyo nezinye izicwangciso zotyalo-mali ezingagungqiyo kwiindlela zazo.
Funa ubhetyebhetye kutyalo mali
Iba yenye imodeli esebenzayo ukuhlangabezana nokulindelweyo kunye nembuyekezo engcono. Ukuze ngale ndlela, uhlengahlengiso kutyalo-mali kuxhomekeka kwimeko nganye eveliswe kwiimarike zezemali. Unendlela elula kakhulu yokusebenzisa esi sicwangciso sodwa ngolawulo olusebenzayo lotyalo-mali lwakho. Lo msebenzi unokufezekiswa ngokugcina iphothifoliyo yakho yotyalo-mali. Ukwazi kakuhle, ukulungisa naziphi na iimpazamo onokuthi uzenze.
Kananjalo eyona ndlela yoqobo yokufezekisa iinjongo zakho isekwe ekuqeshweni kweemveliso zemali ezihlangabezana nezi mfuno. Enye yezona zinto zibalulekileyo zivela kwi iimali zotyalo-mali ezilawulwa ngokukuko. Ayothusi into yokuba kuya kusiba yinto eqhelekileyo kwiinkampani zolawulo ukwenza iimodeli ngezi zinto. Ukuze ngale ndlela, awunakwenza nto. Kuba ngokwenyani, iya kuba ngumphathi ngokwakhe ophethe ukukhangela awona mathuba aphezulu oshishino ngalo lonke ixesha nakuqoqosho lwamazwe aphesheya.
Amathuba oshishino
Iya kukunika ithuba lokuphucula inkqubela phambili. Ukuhlaziya amacandelo ezi modeli zotyalo mali. Zombini ngokubhekisele kwiintshukumo kwimpahla yokulingana kunye nengeniso esisigxina, ngokunjalo ezinye iindlela. Kuya kuba luncedo olukhulu ukuba le modeli ikunike ukugcinwa kwemisebenzi yakho. Ukuza kuthi ga kwinqanaba lokuba unokhetho oluninzi onokukhetha kulo kwesi sicwangciso sikhethekileyo. Iimodeli ezininzi zokwenza ukonga kwakho kube luncedo ngeli xesha.
Nokuba yeyiphi indlela, iya kuhlala ilixesha elifanelekileyo lokuba uphonononge kwaye ubenakho nezikhundla ezahlukeneyo. Iya kuba yeyona ndlela ilungileyo ukuze ungafumani isimanga esibi kulo nyaka kunye nokuzilolonga nangakumbi. Ukuba kwizikhundla ezi-static yeyona nto imbi onokuyenza. Ngokukodwa kumaxesha okusisigxina kujoliswe kwixesha eliphakathi nelide. Kuya kufuneka ufunde kwiimpazamo ezenziwe kwimithambo edlulileyo. Apho, ngokungazivelisi ezi zindululo, uyakube uphulukene nee-euro ezininzi apha endleleni. Kuba kubudlelwane bakho nehlabathi lemali kuya kufuneka uphinde uvuselele izikhundla zakho. Ayisiyiyo kuphela imeko enzima. Olu lolunye ukhetho ekufuneka ulufundile kwiimarike zemali. Ukutshintsha kwexesha kungasombulula iingxaki onazo okwangoku. Ngaba uzimisele ukwamkela esi sicwangciso sicebisayo kweli nqaku?