Enye yeengxaki eziphambili abanazo abatyali mali abancinci nabaphakathi kukufumanisa ukuba loluphi ulawulo olulungele utyalo-mali lwabo. Ukuba kwelinye icala iyenza isebenze okanye kwelinye icala iyayenza isebenze. Kuba kuxhomekeke kwimeko yokwenyani yeemarike zezemali, kuyakufuneka ukhethe enye okanye enye imodeli yolawulo. Azilunganga okanye zimbi, kodwa iya kuxhomekeka kubume beemarike. Isitshixo siza kulala kubo faka isicelo kuwo wonke umzuzu. Ke ngale ndlela, ukwimeko ezilungileyo zokufumana ulondolozo lwakho.
Okwangoku imeko yeestokhwe sokutshintshiselana kwamazwe ngamazwe yile Ukucacisa ngokucacileyo, njengoko ubona kwimizobo ehlaziyiweyo. Ayothusi into yokuba kulo nyaka izakuba sisikhumbuzo seminyaka esibhozo yentengiso yenkomo. Emva kobunzima obachaphazela ukuthengiswa kwestokhwe ngokuwa nkqo kweye-2007. Ukuza kuthi ga kwinqanaba lesibini elide kwimbali yokonyuka okuqhubekayo kwiimarike zesitokhwe. Le yeyona meko inye apho ulawulo lokuziphatha lunokusebenza ngokukuko. Ngokunyuka kwenzuzo kulondolozo olutyalomali. Kodwa umbuzo ekuxoxwa ngawo kukuba ingaba izakuqhubeka ngoluhlobo ukusukela ngoku.
Kungenxa yokuba ngokuchaseneyo, xa kukho ukungazinzi okukhulu kwiimarike zezabelo kulapho eyona nto inenzuzo kulawulo olusebenzayo. Nokuba kwimozulu lelona xesha limbi. Njengoko kunokulindelwa, ukuba silandela ukubonakaliswa kwabanye babahlalutyi abadumileyo beemarike zezemali. Nokuba yeyiphi indlela, iya kuba yinto enomdla kakhulu ukuba ukusukela ngoku yazi ukuba zombini iinkqubo ziqulathe ntoni, ezisebenzayo nezenziwa. Ke unokuzisebenzisa ngokukhawuleza xa iimeko zingcono. Olukhetho olusemthethweni, kokubini ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, kunye neemveliso ezithile zezemali, phakathi kwazo apho imali yotyalo mali ibonakala.
Ulawulo olusebenzayo: ukufaka isicelo nini?
Olu hlobo lolawulo luluncedo ngokukodwa kumaxesha okungazinzi okukhulu. Apho iingxowa zihlala ziwa ngobushushu obukhulu kunye nokwehla okubukhali kakhulu kumaxabiso abo. Ngesizathu esilula kakhulu sokuqonda kwaye oko kusekwe kwinto yokuba utyalo-mali lulawulwa ngokwemo yokwenyani yeemarike zezemali. Ayisiyiyo kuphela eyahlukileyo kumaxabiso akhethiweyo, kodwa nokuba ikhetha olunye udidi lweemveliso zemali. Ngezinye iindlela ezivela kwi- ingeniso eguqukayo, iimodeli ezizinzileyo okanye ezizezinye. Kuba iya kuba yenye yezona ndlela zisebenzayo zokuziqhelanisa nayo yonke imeko. Iya kuba yindlela esebenzayo yokukhusela ulondolozo lwakho kwasekuqaleni.
Ulawulo olusebenzayo, kwelinye icala, likunika ithuba lokuhamba Utyalomali olujikelezayo rhoqo rhoqo. Ngokuhlaziywa kweephothifoliyo zezokhuseleko xa kukho naluphi na utshintsho kwimarike yemasheya okanye kumjikelo wezoqoqosho. Ngale ndlela, kuya kufuneka unike ingqalelo ngakumbi kwinto eyenzekayo kwiimarike ezahlukeneyo zemali. Ayisiyo kuphela imveliso edityaniswe nengxowa, kodwa nezinye ezichasene ngokupheleleyo kunyango lwabo. Kwimeko nayiphi na imeko, iya kukunceda ukuthintela ilahleko enokubakho xa iimarike zokulingana ziguquka. Into eya kuthi ngexesha elithile yenzeke. Ngokukhuselekileyo.
Thatha ithuba lokuthenga
Enye yeenzuzo eziphawuleka kakhulu eziveliswa sesi sicwangciso sotyalo-mali esahlukileyo kukuba unokufumana ngokulula amathuba oshishino aveliswe ziimarike zezemali. Phakathi kwezinye izizathu, kuba uya kuthambekela phambili tshintsha iiasethi zemali. Ungaya kwintengiso yesitokhwe uye kwiibhondi zaseJamani kunye nokunye. Akukho mida ekwakheni iphothifoliyo yezokhuseleko. Nokuba ngumxholo okanye kwifomathi yotyalo-mali. Olu luvavanyo oluchanekileyo ekufuneka ulwenzile ngokusesikweni minyaka le. Ngaphantsi kwamaxesha afanelekileyo afanelekileyo kwiprofayili oyivezayo njengomtyalomali omncinci nophakathi: uyindlongondlongo, uyalondoloza okanye uphakathi.
Ulawulo olusebenzayo lukwanokuthenjwa kakhulu kuphuhliso lotyalo-mali kwixesha eliphakathi nelide. Kuba kwezi zithuba zexesha kuhlala kulula kwaye kunokwenzeka ukutshintsha imodeli yotyalo-mali. Ukuya kwinqanaba lokuba ungasuka ngokulula kulawulo olunoburharha uye kwindawo yokuzikhusela ngokucacileyo. Kwaye akukho nto iya kwenzeka kuwe yantlukwano enkulu ngolu hlobo. Ewe kunjalo, kuya kufuneka uvuleleke ngakumbi kwiklasi entsha yotyalo-mali, apho ezinye ezinokubakho ngokwenene zinokufakwa. Ngaba uzimisele ukuluthatha olu tshintsho kubudlelwane bakho nehlabathi elihlala linzima lemali?
Ulawulo olusebenzayo, xa yonke into ihamba kakuhle
Kwelinye icala, uhlala unolunye ulawulo lokwenza nje. Yeyona nto ikhululekileyo kuzo zonke ukusukela ngokusebenza konke kuya kwenziwa kuwe, njengoko kusitsho njalo. Kule meko, inzuzo inokuphakama kunolawulo olusebenzayo. Njengoko besesitshilo ngaphambili, yile isebenza kwiimeko ezinje ngoku. Apho kungayi kubakho sidingo sokutshintsha nantoni na, okanye ubuncinci kakhulu. Kuba ekupheleni kosuku lonke utyalomali lwakho luhamba kakuhle, leyo iyinjongo yeminqweno yakho.
Kananjalo awunakulibala nangaliphi na ixesha ukuba kungamaxesha amafutshane apho esi sicwangciso siba yinzuzo ngakumbi. Ukuba yonke into ihamba kakuhle kusengqiqweni ukuba akukho mfuneko yokuba wenze naziphi na izigqibo malunga nenqanaba lotyalo-mali lwakho. Ngokubanzi, ukusetyenziswa kwayo kuya kuxhomekeka kuqikelelo olwenziwe malunga noqoqosho lwehlabathi. Mhlawumbi yeyona meko inqwenelekayo ukukhusela iimfuno zakho njengomtyali mali ophakathi nophakathi. Nangona ungayidibanisi, ayinanto yakwenza nokuzikhusela okanye iindlela zokuzikhusela. Kungenxa yokuba abananto yokwenza, kodwa kunoko ngesicwangciso esisetyenziswe ngawo onke amaxesha.
Utyalomali lulawulwa ziingcali
Olunye lweempawu ezichaphazelekayo zolu didi lweenkqubo kukuba zinokuqhutywa ziingcali okanye iingcali kwiimarike zezemali. Ngokusisiseko apho ibhekisa kulawulo olusebenzayo kuba kufuneka cinga uhlalutyo olubanzi lwazo zonke iimarike zezemali. Ayothusi into yokuba isantya siyakuba sesinye sezitshixo ukuze wenze olona londolozo lwakho ngokufanelekileyo. Ukongeza, kunokuba lixesha lokugcina iiasethi ezikhoyo kwenye yeemveliso eziphambili zebhanki (ixesha ledipozithi, amanqaku ezithembiso okanye iiakhawunti ezinengeniso ephezulu) ngaxa lithile okanye kwenye. Inzuzo yayo ayizukukhangeka nangaliphi na ixesha, kodwa ukubuyisela iya kukubonelela ngozinzo olukhulu.
Ulawulo olusebenzayo, kwelinye icala, ungayithatha kwibhanki yakho yesiqhelo. Ngaphandle kwalo naluphi na uhlobo lwenkcitho kulwabiwo lomsebenzi. Nangona kuyinyani ukuba ukuze ufikelele kula manqanaba kufuneka ubenomlinganiso okhuphisana kakhulu kwiakhawunti yakho yokujonga. Oko kukuthi, ukuba ngumthengi okhethiweyo onika ukufikelela kolu hlobo lweenkonzo zebhanki. Ukuze ngale ndlela, ungabi naxhala lanto okanye amaxabiso ozibophelele kuwo. Kwelinye iklasi lezinto ezinxulunyaniswe necandelo lemali zikwabonelela ngezi zibonelelo zobungcali.
Loluphi ulawulo olululo?
Njengoko besesitshilo ngaphambili, ayilunganga okanye imbi ngakumbi kunenye. Yimiqathango uqobo eya kuthi ichonge ukuba ulondolozo kufuneka lubekwe phi ngalo lonke ixesha. Nangona kunjalo, ukuba awazi ukuba wenzeni, kungcono ukuba thethana neengcali phantse onke amaziko emali anayo. Ayothusi into yokuba iyakukunceda uphume ngaphezulu kwengxaki enye, njengoko ihlala isenzeka rhoqo. Ngazo zonke ezi zizathu akufuneki uzibuze nangaliphi na ixesha eyona yeyona migudu ilungileyo. Kodwa ngokuchaseneyo, eyona ilungelelanisa ubunyani beemarike zezemali.
Kwimeko nayiphi na into, ingxoxo enokubangela umdla kakhulu ukwenza zonke izikhundla zakho zibe nenzuzo. Nokuba yeyiphi na i-asethi eyimali ekhethiweyo ukuphucula ubutyebi bakho. Kwelinye icala, awungekhe ulibale ukuba unako hlanganisa zombini iimodeli zolawulo. Yehlisa iipesenti ocinga ukuba zezona zilungele isihlandlo ngasinye. Ukuya kwinqanaba lokuba iba yenye ifomula yokwahlula utyalomali. Ukusuka kwimbono eyahlukileyo kwaye ngendlela yoqobo ngokubhekisele kwezinye iindlela zokucwangciswa kotyalo-mali.
Iingcebiso malunga nokukhetha eyona mali ilungileyo
Kuya kusoloko kucetyiswa kakhulu ukuba usete ezinye zeenjongo malunga neenjongo ofuna ukuziphumeza. Kuba baya kuba luncedo olukhulu ekuphuculeni izikhundla zakho kwiakhawunti yakho yokujonga. Ngaba uyafuna ukwazi ezinye zezona zibalulekileyo? Ewe nikela ingqalelo kuba banokuziphuhlisa zininzi iingxaki.
- Ukuba akukho lutshintsho ku imijikelo yeshishini akuyi kubakho sizathu sokwahluka kulawulo lotyalo-mali lwakho.
- Utshintsho olusebenzayo ukuya kulawulo lokungena okanye kungenjalo kufuneka lube njalo ziqhutywa sisizathu esinyanzelayo, hayi ngendaleko emfutshane engathandiyo.
- Amathemba kwi qoqosho iya kuba sisiqwenga solwazi somdla okhethekileyo ukukhetha enye okanye enye imodeli yolawulo.
- Isixando sihlala sihleli kukhululeke ngakumbi ngezinto onomdla kuzo, phakathi kwezinye izinto kuba kuya kufuneka ukuba wenze nantoni na.
- Umahluko ekusebenziseni imodeli yolawulo unokumela imali eninzi ekusebenzeni yenziwe kude kube lelo xesha. Ukusuka kolu luvo, ungazami ukunyanzela utyalomali lwakho ngayo nantoni na ehlabathini.