Inqanaba lakho eliphezulu letyala, okanye ukuncitshiswa komvuzo wakho kunokukhokelela ekubeni ube nobunzima ngakumbi kunesiqhelo ukufikelela esiphelweni senyanga. Kuya kufuneka uhlawule amatyala aphambili emizi (iselfowuni, amanzi, umbane, njl. Njl.), Uthobele uxanduva lwakho lwerhafu, okanye ujongane neendleko ezingalindelekanga ezivela kuzo zonke iimeko. Kulapho ke ngaphezulu kuya kuba nzima kuwe ukuba uthathe ubudlelwane bakho kunye nokusetyenziswa. Ukwenza ivenkile kwivenkile enkulu, thenga le modeli yejeans uyithandayo kakhulu, okanye nayiphi na enye into ofuna ukuyinika yona.
Kwezi meko, ungasebenzisa naziphi na iikhredithi ezigunyazisiweyo ngalo msitho ziibhanki eziphambili. Nangona kunjalo, ngokuqinisekileyo baya kufuna iimeko ezininziUmsebenzi ozinzileyo, ukutsalwa ngqo kwirhafu yemivuzo, kunye nobudlelwane obukhulu nequmrhu. Ukongeza, iimeko zakho zokungena kwisivumelwano ziya kufuna iindleko zezoqoqosho ongenakucinga ngazo, ngohlobo lwenzala ephezulu iikhomishini eziphakamileyo kakhulu, okanye imirhumo yenyanga engalungelelaniswanga kuhlahlo-lwabiwo mali lwekhaya lakho. Mhlawumbi awukho, okanye awungekhe, uqeshe ezi zinto zixabisekileyo zenkxaso mali. Ungenzani?
Ukuze ungawunikeli umgangatho wobomi bakho, awuzukukhetha ngaphandle kokufuna eminye imithombo yezemali ehambelana nomdla wakho. Kwaye kule meko ikhethekileyo, amakhadi avumela ukuhlehliswa kwezinto ozithengileyo inokuba sisisombululo esithile kule ngxaki kuqoqosho lwasekhaya. Kodwa lumka kakhulu, ayizizo zonke izibonelelo kwaye kulula ukuba uzihlalutye izibonelelo zabo ukuthatha isigqibo sokuba uzisebenzise okanye hayi.
Zithini iimpawu zayo?
Amakhadi avumela ukuhlehliswa kokuthengwa kwakho ayilelwe phantsi kweefomathi ezimiselweyo, ezahlukileyo kwezinye iiplastiki eziqhelekileyo. Umsebenzi wayo osisiseko kukuba uya kukuvumela ukuba uthenge iimpahla zakho, iselfowuni okanye izixhobo phantsi kwenkqubo yetyala, kwiinyanga ezininzi. Ukuze ukwazi ukuyihlawula kancinci kancincingakumbi awungekhe umelane nokusebenza nangasiphi na isizathu. Ukusuka apha ukuya phambili, kuthotho lwamathuba avulekileyo ekufuneka uyazi, kuba ezinye zazo zinokuba luncedo kakhulu kwimidla yakho njengomthengi.
Eyona nto iphambili ekusebenziseni kwayo kukuba unokwahlula naluphi na uhlobo lokuthenga ukusuka malunga nama-euro angama-50. Kwaye kwiinyanga ezingaphi? Iya kuxhomekeka kwimodeli ekhethiweyo, kuba ayizizo zonke ezigubungela amaxesha amiselweyo. Unokuzikhetha ngokudluliselwa kubhetyebhetye okuguquguqukayo, kwe-1, 6, ukuya kuthi ga kwiinyanga ezili-12 kunomda ophakamileyo kolu didi lwezezimali zabathengi. Kwaye ngokusekwe kubo, cwangcisa iindleko zenyanga yonke.
Kodwa ayizukusebenza simahla, kuba iya kubandakanya inkcitho emelwe ngumyinge wenzala eziza kusetyenziswa kuwe izinto ezikhutshwa ngala makhadi. Iza kubonisa malini? Bacinga imida ehamba phakathi kwe-11% kunye ne-14%.. Kwaye nangayiphi na imeko, kwaye ngokungafaniyo nezinye iikhredithi zemveli, azibandakanyi iikhomishini okanye ezinye iindleko kulawulo lwabo okanye kulondolozo. Iya kuba sisiqulatho sokuqala seendleko kunye nekhontrakthi yale mveliso yebhanki.
Ngokumisa elinye ixesha nangaphandle kwenzala
Ngayiphi na imeko, ngokusebenzisa esi sicwangciso sorhwebo kwintlawulo yokuthenga kwakho unokufikelela koko Uphuhlisa imisebenzi ngaphandle komdla, oko kukuthi, kwi-0%, kwaye ngaphandle kwendleko zoqoqosho kwimidla yakho. Ukufezekisa le njongo, kuya kufuneka ukhangele kuphela loo makhadi aneenkqubo zokuhlawula ezihlehlisiweyo, kwaye ziluncedo kuwe. Kwaye apho kuya kufuneka ubuyise kuphela izixa-mali ezisetyenzisiweyo kwizavenge zenyanga ezihambelanayo, ekuthi kule meko zinikwe ixesha elifutshane, ngesiqhelo phakathi kweenyanga ezi-1 ukuya kwezi-3, nangona zinokongezwa kwezinye iimodeli zeplastiki.
Nangona kunjalo, kwiimeko ezininzi ngamakhadi adityaniswe kwishishini, okanye uphawu lwentengiso, ngenjongo yodwa ukwakha ukuthembeka njengomthengi. Kwaye ebonelela ngeyona nto iphambili, kwaye ngokuqinisekileyo le yenye yazo. Naluphi na ukuthenga okwenzayo phantsi kwenkqubo yokumisela intlawulo akuyi kubandakanya nayiphi na inkcitho eyongezelelweyo. Olona loncedo luphambili kule modeli yesivumelwano kukuba inqanaba lakho lamatyala alizukuhlupheka nangayiphi na indlela, kwaye ayizukunyanzeliswa kukuthenga okwenzayo ukusukela ngoku. Ukongeza, iya kukunceda uhlengahlengiso kuhlahlo-lwabiwo mali lwenyanga yonke.
Imodeli esemgangathweni kolu didi lwamakhadi etyala iphuhliswa phantsi kweefomathi ezibizwa ngokuba "ngaphandle"Oko kukuthi, ngaphandle kwenzala, kwaye kuvelisa iintlawulo zokuthengwa kwiinyanga ezi-3, ngesixa esiphakathi kwama-50 ukuya kuma-2.000 euros. Uninzi lweebhanki lubandakanya imodeli yeplastiki yezi mpawu, kunye namanye amakhadi aqhagamshelwe kumaziko aphambili okuthenga elizweni. Kodwa kuya kuba lula kuwe ukuba ufunde ikhontrakthi ekusebenziseni kwayo, kuba inokubandakanya ikhomishini enye yeendleko zolawulo, nangona ingekho mali inzima kakhulu, malunga nee-euro ezintathu.
Ngemida ebanzi
Imihla ebekiweyo yokubuya kwayo isenokungakuqinisekisi ngokupheleleyo, kwaye kuya kufuneka uyolule ukuze ilungele imeko yakho ethile yezemali. Ukuba le yimeko yakho, Unokukhetha ezinye iifomathi ezonyusa amaxesha okubuyisa imali ebolekiweyo ukuya kuthi ga ngaphezulu kweenyanga ezili-12. Kodwa ngaphandle koncedo lwezindululo zangaphambili, kuba ngokuqinisekileyo ziya kusebenza kwinqanaba lenzala elingaphezulu kwe-10%, eliza kongezwa kwimbuyekezo. Isenokuba ngaphezulu kwe-15% kumakhadi awandisiweyo kwimarike.
Ngayiphi na imeko, olu didi lweeplastikhi luthwala umgca osisigxina wekhredithi onokufikelela kuma-euro angama-6.000. Kwaye inokusetyenziswa, kokubini ukwenza ukuthengwa kwakho kwenziwe ngokusemthethweni, kunye nokukhupha imali kwii-ATM. Kwaye ibuyisiwe njengoko uyihlawulisa ngokungqinelana nesicwangciso sokuhlawula esinikezwe ngumnikezeli wale mveliso yebhanki.
Izaphulelo ekuthengeni
Ayisiyiyo kuphela into yokumisela ukuthengwa enokufunyanwa ngale ndlela yokuhlawula. Kukulungele ukuba wazise ngemiqathango yayo ngaphambi kokufumana ikhadi, kuba ezinye zazo zibandakanya phakathi kwezibonelelo zayo, ukhetho lokufumana iibhonasi kwinto ozithengileyo, Iipesenti eziphantsi ezinokufikelela kwi-5% kwiimodeli ezinobundlobongela beplastiki. Ngokwesiqhelo ezi ndlela zorhwebo zikwanxulunyaniswa negama lezorhwebo, kwaye uzame ukungayi kukhuphiswano njengesixhobo sokucenga.
Iya kuba sesinye isikhuthazo esongezelelekileyo ukuze ubenakho ukujongana nenkcitho evela kwizinto ozithengileyo, kodwa ngeli xesha unomdla wokukhuthaza ukonga ngale misebenzi kwikhadi lakho letyala. Ukuba luncedo kakhulu kubasebenzisi abasebenzisa le ndlela yokuhlawula ngamaxesha athile, njengoko kunokuba njalo kwimeko yakho ethile. Kwaye oko kunokuchaphazela iimpahla, iithoyi, izinto zobuchwephesha, izinto ezincedisayo, kunye nokulinganayo iimveliso zomsebenzi wabakhenkethi (amatikiti ezothutho, ukugcinwa kwegumbi ehotele, ukuqeshiswa kwemoto, iiphakheji zeholide, njl.
Kuya kufuneka ukhangele kuphela iivenkile okanye amaziko ancamathele kule nkqubo yokunyaniseka. Zininzi ezikhoyo, ungalibali. Kwaye kuya kufuneka ubhaqe kuphela ezo ziyilelwe kwiprofayile yakho njengomthengi. Ngokubeka esweni ngakumbi uphawu lwakho, uya kuba nakho ukufikelela ngakumbi kwizibonelelo zakho kunye nokunyuselwa, njengenjongo yokugqibela yesicwangciso sakho sorhwebo.
Iingcebiso ezilungileyo zokuqesha la makhadi
Olu didi lweefomathi ngeendlela zokuhlawula ngentlawulo emiselweyo ekubhekiswa kuyo kolu lwazi lumele isisombululo kwiingxaki zokuhlawula amatyala elinazo uninzi lwabasebenzisi baseSpain. Kwaye endaweni yokubhalisela indlela exhaphake kakhulu yezemali, banendlela yokuyifumana ngokukhawuleza, kwaye ngaphandle kokunikwa ngaphambili. Ukuba ngumnini welinye lala makhadi Uya kuba nemali eyimfuneko ngokukhawuleza. Kwaye ngezisombululo ezithandekayo, kunye nendalo eyahlukileyo kuye wonke umntu.
Nangona kungazukulimaza ukuba abasebenzisi baya kuthotho lweengcebiso eziza kuba luncedo kakhulu kulawulo kunye nokugcinwa kwezi mveliso zebhanki. Kwaye ziya kusebenza ngokuchanekileyo ngalo mzuzu zichanekileyo zisetyenziswe ngokuchanekileyo. Phakathi kwezi ngcebiso zilandelayo zibonakala.