Lelona xesha lingathandekiyo lonyaka xa ufumanise ukuba iholide yakho iphelile kwaye kufuneka ubuyele kwisingqi sakho esiqhelekileyo sobomi. Imeko iyenzeka apho uya kuyeka ukucinga malunga nohambo olwenzileyo, iiyure elunxwemeni lokuhlamba ilanga kunye nokutya okulula okwonwabisa kwibhar yakho oyithandayo. Lixesha lokuba uthi ndlela-ntle kubo bonke abo mizuzu imnandi uyichithe ehlotyeni. Awuyi kukhetha kodwa buyela kwisiqhelo kwaye kunganjani ukuba kuncinci kunxibelelene nelizwe elihlala linzima lemali notyalo-mali.
Akukho ndlela ibhetele yokubuyela emsebenzini kunokuba ucwangcise utyalomali lwakho ngoku. Ukongeza, iya kuba sisicwangciso esiliqili esiza kunceda ukuyeka ukucinga ngala maxesha mahle ukhe waphila kuwo kwiiveki zeholide. Kucacisiwe ukuba tshintsha chip kwaye ujike iinzame zakho zokwenza ulondolozo lwakho lube nenzuzo. Ukuze kunyaka olandelayo, kunye nenzuzo eqokelelweyo, ungaphinda amava okanye ungonelise olo hambo ixesha elide uphupha ngalo. Isenokuba sesona sihlandlo sihle.
Nokuba yeyiphi na indlela, musa ukulindela ukuba iimarike zezemali zibe lula kuzo sebenza nabo. Kungenxa yokuba enyanisweni, ngoku bafana xa ekugqibeleni ubavumela ukuba baye eholideyini. Ngeendaba ezincinci kakhulu malunga nokulingana, kokubini kuzwelonke nangaphandle kwemida yethu. Kusemva kwayo yonke imeko apho kuya kufuneka ukuba imali yakho ihambe ukusukela ngoku. Ukuze yonke into ikhule ngokulungiswa kunye nesolvency, awuzukukhetha kodwa ukuqala kuyo imigca yamanyathelo ehlaziyiweyo phambi kwexesha elitsha lezemali. Nangona kunjalo mhlawumbi ezinye zezemali, kubandakanya nezo zengeniso esisigxina okanye ezinye iindlela zotyalo-mali.
Buyela eholideyini: kufuneka wenze ntoni?
Emva kohambo lwakho lokubuya ekhefini kuya kufuneka ubeke yonke imisebenzi ngendlela. Kodwa eyona nto ibalulekileyo ukukhusela umdla wakho yile zeziphi iindlela onokuthi uziqale ukuqala kulo Septemba. Kungenxa yokuba, akunakukwazi, lixesha eliqheleke kakhulu kolu hlobo lomsebenzi ukwandisa iiasethi zakho phantsi kobunzulu obuphezulu. Ngale ndlela, unokuyilungisa iphothifoliyo yakho yotyalo-mali ngokusekwe kwimiba emitsha yezoqoqosho evelisiweyo ngeli xesha.
Eli lithuba lonyaka apho iimveliso ezilungileyo kufuneka zihlalutywe ukufumana inzuzo enkulu. Nangona kuthatha ixesha elincinci ukuphumeza esi sicwangciso, kodwa kuya kulunga ngokwenene, njengoko uza kubona emva kweenyanga ezimbalwa. Emva kweeholide inokusetyenziselwa zahlula utyalo-mali lwakho. Ukuze ngale ndlela, izikhundla zakho zikhuselwe ngcono kunangaphambili. Ujongene nayo nayiphi na imeko engathandekiyo yeemarike zezemali ngokubanzi. Iya kuba yeyokuqala kuzo zonke iinjongo eziphambili kubo bonke abatyali mali abancinci nabaphakathi, njengoko kunjalo nakwimeko yakho.
Zeziphi iimveliso onokuzikhetha?
Kuya kuba kubalulekile ukuba ukhethe iimodeli zotyalo-mali eziguquguqukayo kwaye inokutshintshwa kuzo zonke iimeko zoqoqosho. Zombini ezilungileyo nakwezona zingathandekiyo kutyalo-mali lwemveli. Kungenxa yokuba eneneni, ukuba imeko yangoku yemali ibonakaliswa yinto ethile, kukungazinzi okugqibeleleyo okwenza ukuba kube lula kakhulu ukungenisa iimodeli zokonga apho ulungelelwaniso kuzo zonke iintlobo zemeko kwiimarike zezabelo zibalasele. Ayisiyiyo kuphela eyandisiweyo ngokucacileyo, kodwa ewe yeyona inokonakalisa umdla wakho kwimarike yemasheya.
Ngale ndlela, enye yeendlela onokuthi ukhethe kuzo okwangoku zizimali ezilawulwa ngokusebenzayo. Kuba, enyanisweni, banokulungelelaniswa nalo naluphi na uhlobo lwezoqoqosho. Kuba ayisiyiyo eyokuma okanye yokutyala imali. Kodwa ngokuchaseneyo, bahlala behlaziywa kwaye kuxhomekeke kwinto eyenzekayo kwiimarike zezemali. Zininzi iimveliso ezinezi mpawu onokuthi uzenze ngemvumelwano ngalo mzuzu. Ukongeza, unazo phantsi kwazo zonke iindlela. Ukusuka kwii-equity ukuya kwingeniso emiselweyo, ngeendlela eziphakathi okanye ezinye iifom ukuba ufuna njalo. Awuyi kufutshane kwizindululo zale profayile ichazwe kakuhle.
Dibanisa ingeniso esisigxina kunye nengeniso eyahlukileyo
Olunye lolona khetho lwanelisayo kwimidla yakho kukujonga imodeli yotyalo-mali edibanisa zombini iinkqubo. Ngokuqinisekileyo unokukhetha okuninzi. Ukusuka kwiidipozithi zekota idityaniswe namashishini kwaye oko kuyakuvumela ukuba uphucule inzuzo ephantsi eveliswe zezi meko. Ukuza kuthi ga kwinqanaba lokuba ufumane imbuyekezo kulondolozo lwakho kufutshane ne-4%. Ngaphandle kokuhlawula i-euro enye kwiindleko zolawulo okanye nakwiikomishini. Uncedo lokuba uyakuhlala unayo imali yakho kunye nenzuzo encinci ngokusisigxina.
Iimali zotyalo-mali nazo zingenisa le modeli ikhethekileyo yotyalo-mali ngeendlela ezixubileyo. Bathandwa kakhulu ngabatyali zimali abancinci nabaphakathi kwaye bayakuvumela ukuba ufumane imbuyekezo ebalulekileyo kulondolozo kwasekuqaleni. Kukho iimodeli ezahlukeneyo kwezi mali, ukusuka kweyona ndlongondlongo kuye kweyona inqabileyo yokuzikhusela. Ukuze babe nokuqeshwa kuyo nayiphi na iprofayili yesaver. Nangona kule meko umngcipheko uphezulu kakhulu kuba unokuvelisa ilahleko ngalo naliphi na ixesha nakwimeko. Ngayiphi na imeko, indibaniselwano yazo zombini iinkqubo zotyalo-mali ziya kukunceda kakhulu ekukhuseleni igalelo lakho lemali ukusukela ngoku.
Ukwenza eyakho ipotifoliyo yotyalo mali
Unenye enye indlela eyeyakho ebandakanya Yila utyalo-mali lwakho. Oko kukuthi, usasaza imali yakho kwiimveliso ezahlukeneyo zemali. Kodwa ngenkululeko yakho kwaye uhlengahlengise iimfuno zakho. Nangona kunjalo, esi sigqibo kuya kufuneka usenze siya kusekelwa kulwazi olukhulu, hayi kuphela kwiimarike zemali. Kodwa kunye neemveliso zezemali ezenzelwe ikhontrakthi. Ukusuka kwezona ndlongondlongo kwezona zikhuselayo. Zisetyenziselwa naluphi na uhlobo lwesicwangciso kunye nazo zonke iintlobo zeemeko zokudibana.
Ukwamkelwa kwale nkxaso kwimisebenzi yakho yemihla ngemihla kunika inkululeko enkulu ukuze ukwazi ukuphuhlisa nasiphi na isicwangciso esivela kula maxesha. Kuba, awuyi kuba nemida ukuze usebenze ngalo naluphi na uhlobo lweemveliso zemali. Nokuba zezona zinto zintsha ezinokubonelelwa ngazo kwiimarike zezemali ngoku. Nguwe kuphela oya kuthatha isigqibo sokuba zeziphi ezizezona zilungileyo kuwe ngalo lonke ixesha. Ukuya kwinqanaba lokuba kuya kufuneka unikele ixesha elithile ukwenza le misebenzi ibaluleke kakhulu kulondolozo lwakho.
Ukujongana nokuphela konyaka
Enye yeenjongo zakho ezifanelekileyo xa ubuya kwikhefu lakho iya kuba kukulungiselela ikota yokugqibela yonyaka. Elinye lamaxesha apho ii-equity zisebenza ngokugqwesileyo. Iya kuthi, ke ngoko, ibe lelona thuba lililo elifanelekileyo lokuba wena wenze ezona ntengiso zikhethiweyo zikwimeko ezilungileyo ngelo xesha. Akunanto, run lokuqhuba kunokuba lide kunamanye amaxesha onyaka. Nangona awunakukhetha ngaphandle kokuhlalutya isithembiso sentengiso kunye nokukhetha ukhuseleko olunikezela ukhuseleko olukhulu ukujongana nenxalenye yokugqibela yonyaka.
Iya kuba lutyalo-mali oluza kubakho ixesha elifutshane, kodwa ngeziphumo ezinokumangalisa kakhulu. Logama iimarike zentengiso zamanye amazwe zikhula ngesiqhelo kwaye akukho ziganeko zinokutshintsha ngokubonakalayo kwicala lezalathiso eziphambili kwihlabathi liphela. Ukufikelela kwinqanaba onokusebenzisa ngalo Intlawulo yesahlulo oku kwenzeka kwezi nyanga zintathu. Ngembuyiselo emiselweyo kunye nokuqinisekisa ukuya kuthi ga kwi-8% ngonyaka. Ukuze ngale ndlela, ukhuseleko lube ngaphezulu kwezinye izinto zobugcisa kunye nezisisiseko.
Kwelinye icala, awungekhe ulibale ukuba enye yeendlela ezilungileyo zokutyala imali kukusebenzisa amathuba oshishino ahlala ekhona. Ukuze ukwazi ukwenza oku, awuyi kuba nesinye isisombululo ngaphandle kokuba ubenamatyala ngamanye amaxesha. Ngenxa yokuba, akuyomfuneko ukuba uhlala unezikhundla ezivulekileyo. Hayi kangako. Kodwa ngokuchaseneyo, kufuneka udibanise ubukho bakho kwiimarike ze-equity ngamaxesha okungabikho. Isicwangciso esiluncedo kakhulu sokwenza imisebenzi oyiphuhlisileyo ukusukela ngoku.
Kwaye ngaphezu kwako konke, ungalibali ukubeka nayiphi na indlela yokhuseleko kuthengiweyo. Apho kuya kuba yimfuneko kakhulu ukuba uhloniphe izixhasi kunye nokuchasana kumaxabiso ebeyinto oyenzayo. Ukuze ufike kwaye uhambe ngexesha elifanelekileyo ukukhusela iimfuno zakho njengomtyali mali ophakathi naphakathi. Oko kukuthi, emva kwayo yonke loo nto, imalunga nantoni. Kuba iya kufaneleka kakhulu into oyenzayo emva kweeholide ukwenzela ukuba intsalela yokusebenza ekupheleni konyaka ibe ntle ngokuqinisekileyo. Ewe kunjalo, usenalo ixesha lokuyifumana. Nangona kungekho ngaphandle komzamo, nangokubuyela umva endleleni. Yinto ngokuqinisekileyo eya kufuneka uyicinge ukusukela ngoku.