Ulawulo lotyalo-mali yinto ebaluleke kangangokuba ungafanelekanga yiyeke iye ekuphuculeni. Awunakulibala ukuba ungcakaza imali yakho oyigcinileyo. Kwaye nakuphi na ukubala kwempazamo kunokubangela ilahleko enkulu xa ujonga ibhalansi yeakhawunti. Ifuna ulawulo ichanekile kwaye ilungelelene ejonge ukufumana imbuyekezo kwimali yakho. Apho izinto ezinje ngoqeqesho, amava kunye nokusetyenziswa kwezixhobo zidityaniswa ukuqhuba imisebenzi yolingano. Kubaluleke kakhulu ukuba ubathathele ingqalelo ukusukela ngoku ukufezekisa iinjongo zakho.
Ukutyala imali kwimarike yemasheya ngamanye amaxesha ayingomsebenzi olula, ngakumbi ukuba awunawo amava afanelekileyo okungena kunye nokuphuma kwiimarike ezahlukeneyo zemali. Ukuba le yimeko yakho, ngokuqinisekileyo uya kudinga uncedo ngendlela yokulawula ukonga ngokutyala imali. Ayisiyiyo kuphela ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Kodwa ngezinye iimveliso zemali. Apho kuyakubaluleka ngokukodwa ukuba uyazi elona xesha lokuvula izikhundla. Kodwa nokushiya iimarike zikwimeko entle kakhulu kwimidla yakho.
Ukusuka kule meko ngokubanzi, zininzi izinto ezinokuthi zibe nefuthe ekwenzeni kwakho utyalo-mali olulungileyo ukusukela ngoku. Kuya kufuneka ube nefuthe kwezi zinto ukuba awufuni kuthatha ngaphezulu kwesimanga esibi ukusukela ngoku. Kwaye apho ithamsanqa lidlala indima yokumisela ukumisela ngempumelelo utyalomali. Ngayiphi na imeko, awuzukuzama kwimarike yesitokhwe ukuba awunalo uluvo olucace gca ngendlela oza kusebenza ngayo kwezi marike zezemali. Ngenxa yokuba uya kuba nazo zonke iivoti eziza koyiswa kule nto ibaluleke kakhulu kwaye kwangaxeshanye umlo onomngcipheko.
Ulawulo: indima yoqeqesho
Ngaphandle kwamathandabuzo, into eyakhayo iya kuba yenye yamaqhosha okuhambisa ngokuchanekileyo naluphi na uhlobo lotyalo-mali. Ngale ndlela, ngaphambi kokuvula izikhundla kuya kuba yimfuneko ngokupheleleyo ukuba ube nolwazi oluncinci lwecandelo oza kubandakanyeka kulo ngoku. Kuya kubaluleke kakhulu ukuba uchaze ukuba kuphi kwaye nini ukuze uqinisekise imisebenzi yolingano. Eyona ndlela isebenzayo yokulungisa le ngxaki kukuya izifundo okanye iisemina ezibonelela ngoqeqesho olusebenzayo. Unokwenza nokulinganisa ngaphandle kokubeka emngciphekweni imali yakho ukuze ubambe zonke iindlela zeemarike zezemali.
Enye yezona zinto ziphambili zikweli klasi kufunda Kungenxa yokuba uya kuba kwimeko engcono yokuhlalutya iikowuti zamaxabiso ahlukeneyo. Ukufumanisa ubuchule botyalo-mali obukuvumela ukuba uyazi imeko yeemarike zezabelo. Kwaye ukuba kunokwenzeka ukubakho kokuhlaziywa kwesibambiso osifakileyo kwipotifoliyo yakho yotyalo-mali. Kuhlala kulula ngakumbi ukuba usebenze ngezi paramitha ezandleni. Ukuya kwinqanaba lokuba unokuyiphucula indlela osebenza ngayo kwimarike yemasheya. Unokumangaliswa ziziphumo oya kuzifumana ekufundeni.
Izixhobo zohlalutyo lwemalike
Ewe kunjalo, ithiyori ayisiyiyo yonke into ekusebenzeni kwakho nelizwe elihlala linzima lemali. Uya kudinga izixhobo ezinamandla ngokwenene ukwenza intshukumo. Ukongeza, iyakwandisa iindawo ezenziwayo ukuze ungazilinganiseli ngokukodwa kwizabelo. Kodwa ngokuchaseneyo, unako sebenzisa amaqonga okusebenza kwiimarike ngokukodwa njengezezimali okanye izinyithi ezixabisekileyo, ukunika imizekelo embalwa. Ayothusi into yokuba iya kuba sisenzo esiya kukunceda uhambise imisebenzi ukusuka kwindlela ethe kratya kwaye esekwe kwimeko yeemarike zezemali. Ukuze oku kube njalo, awuzukukhetha ngaphandle kokubeka intando elungileyo kwaye ngokuqinisekileyo ufunde kwezi zixhobo zotyalo mali. Kwixesha eliphakathi nelide kuya kuba luncedo kakhulu ukuphucula umdla wakho.
Enye yeenzuzo zokusebenzisa esi sicwangciso sodwa kukuba ikuvumela ukuba ube nembono yeemarike zezemali ngalo lonke ixesha: imfutshane, iphakathi kwaye inde. Ukuze ekugqibeleni ubekwindawo efanelekileyo yokwenza isigqibo. Emva kwesifundo esineenkcukacha malunga neemarike zezemali. Kuba uyakuhlala unamaziko amaninzi okugqiba ngempumelelo imisebenzi oza kuyithatha ukusukela ngoku. Ukusuka kwiindidi ezahlukeneyo zezicwangciso, ukusuka kwezona zilondolozekayo okanye ukuzikhusela kwezobundlongondlongo. Akukho zikhutshelo kunyango lwentsebenzo.
Chaza iqhinga lotyalo-mali
Elinye inyathelo ekufuneka uliphumezile kukwazi ukuba ufuna ukwenza ntoni kwiimarike zezabelo. Apho kuyakubaluleke kakhulu, kokubini isigxina kunye neendlela ekufuneka uzikhethile ngeli xesha. Ngokusekwe kwezi zinto, awuzukukhetha kodwa khetha elinye okanye elinye icebo lotyalo-mali. Kuya kufuneka zenziwe phantsi kwamaqhinga ahluke ngokupheleleyo omnye komnye. Kwelinye icala, iya kufuna unyango olufanelekileyo kwimeko nganye. Ayifani into yokwenza utyalo-mali kwimeko engathandekiyo yeemarike zezabelo kunangexesha lokwanda kwezoqoqosho nkqu nakwiimarike zamasheya.
Kufuneka ikhunjulwe into yokuba isicwangciso-qhinga siya kuchaza umngcipheko onokuwuthatha kuzo zonke iimeko. Akumangalisi ukuba oomatshini abangafani kwixesha elifutshane njengakwixesha elide. Ngayiphi na imeko, iya kuba ngumthombo obalulekileyo wenkxaso ukuze wenze olona londolozo lwakho. Ngelixa izakuba ngumthombo wolwazi ukuze wenze isigqibo ngokuzimisela okukhulu. Into eqhelekileyo ekufuneka igqithiselwe kwiziphumo zemisebenzi yakho kwimarike yemasheya. Ngale ndlela, ngaphambi kokuthatha isikhundla awuzukufumana sisisombululo ngaphandle kokukhetha isicwangciso esinye okanye esinye. Kungenxa yokuba enye yeenzuzo ekubonelelwa yile ngxowa kukuba ungayisebenzisa iindlela ezahlukileyo zotyalo-mali. Kuxhomekeke kwimeko yomzuzu ngamnye.
Ukufunda ngaphambi kokuvula izikhundla
Kuzo zonke iimeko, ngaphambi kokuthatha isikhundla kwiimarike zemali, kuyakufuneka ukuba ube namava okufunda ngokusebenza ngokukuko. Unamaqonga amaninzi emali Apho ungawahambisa khona amanyathelo akho kwezi ndlela zotyalo-mali. Zisimahla kwaye kulula kakhulu ukuzisebenzisa. Ayinamsebenzi into yokuba unikezela ngolwazi oluncinci kwezi zixhobo kuba zithengiswa kwiifom zokusebenzisana. Apho kuvavanyo sesinye sezitshixo ukuze ulwazi lufunyanwe ngesixhobo esikhulu kwaye ukuze ukwazi ukuluqhuba ngokusebenza ngokwenyani kwaye ubhentsise ukonga kwakho. Ukuya kwinqanaba lokuba ungaphumelela, kodwa uphulukane nawo. Ngumngcipheko wokusebenza kwiimarike zezabelo.
Kwelinye icala, kukwaluncedo kakhulu ekuqondeni iifayile ze- Intsingiselo yokwenyani yale misebenzi. Kuya kufuneka uwaqhelanise nawo onke amanyathelo ale nkqubo ukuze ucace malunga nento oyenzayo ngalo lonke ixesha. Olunye uncedo lwesi sicwangciso kukuba luyakunceda ukuphucula inkcubeko yezemali onayo ngoku. Ukongeza, yenye yeenjongo eziphambili zaso nasiphi na isitokhwe somsebenzisi. Ayisiyiyo kuphela kubudlelwane kwimakethi yesitokhwe, kodwa ngazo zonke iimveliso zebhanki (iidipozithi zexesha, amanqaku ezithembiso zenkampani, imali mboleko okanye imali yotyalo-mali). Ukuba ufuna ukugqibezela imisebenzi yakho, akufuneki uthandabuze ukuba ukufunda kuya kuba yenye yezona zinto zichazayo. Nokuba ngamandla amakhulu kunangaphambili.
Ulwazi lweemarike
Umzuzu wokugqibela ufikile, kulapho ukufakwa kwesigunyaziso sakho kufika. Iya kuba ngumzuzu apho kuya kufuneka ulungelelanise ukungena kunye nexabiso lokuphuma. Ukuze ube ngowonelisa kakhulu kufuneka uthathele ingqalelo eyona meko yentengiso yemali. Oko kukuthi, ukuba imeko iyakhula okanye, ngokuchaseneyo, yi-bearish. Kuba ngokuxhomekeke kolu tshintsho lubalulekileyo, kuya kufuneka ukhethe isicwangciso esinye okanye esinye ekusebenzeni. Njengomxholo wezoqoqosho ngokubanzi, ukuba sikwixesha eliphangaleleyo okanye elidlulileyo. Ngenxa yokuba unyango kulawulo luya kwahluka ngokupheleleyo. Zombini ukuthenga nokuthengisa.
Kwimisebenzi yexesha elifutshane, umzekelo, kuya kubaluleke kakhulu ukuba uhlengahlengise amaxabiso okuthenga kunalawo abhekiswe kwi ixesha elide lokuhlala. Lo ngumahluko ocashileyo, kodwa ngokwenza oko kunokubiza ii-euro ezininzi ekusebenzeni. Kwaye ayisiyonto yokuphucula la manyathelo afanelekileyo ukukhusela umdla wakho njengomtyali mali ophakathi naphakathi.
Awunakulibala ukuba uninzi lwentengiso ye-lousy kwimarike yemasheya ziziphumo zokungacoci elona xabiso lokungena lifanelekileyo. Ukuya kwinqanaba lokuba le yinto eqhelekileyo phakathi kwabasebenzisi. Ngawo onke amathuba enzeka kuwe amaxesha ngamaxesha kwikhondo lomsebenzi wakho njengomtyali mali. Ewe, ukusukela ngoku omnye wemisebenzi yakho iya kuba kukuthintela ezi meko zinobungozi. Unamanyathelo aliqela okulungisa oku kungasebenzi, ukusuka nje kwimfundo ukuya kuleyo isuka ekusebenziseni amaqonga athile emali. Sukuzichitha xa ungafuni ukwenza iimpazamo ezifanayo nezangaphambili.