Usenokungazi, kodwa ukuba ungumtyali mali, ungonga imali kwimisebenzi yakho yesiqhelo kwimarike yemasheya. Kwaye phantsi kwexabiso elinomdla ngakumbi kunokuba ungacinga xa usenza le ndlela. Kwaye ungabanikezela ukuze uzonwabise amaxesha ngamaxesha, sisebenzise ukukhulisa iakhawunti yakho yokonga, okanye mhlawumbi uhambo oluncinci nabahlobo bakho. Ngayiphi na imeko, awufanele ukujongele phantsi oku kunokwenzeka, okunokuthi kube yinyani ukuba unesigqibo sokukusebenzisa ngentando ebonakalayo.
Kuqhelekile kwifayile ye- lo ndolozo iveliswa kuzo zonke iintlobo zezenzo kunye nobudlelwane bezentengiso babasebenzisi. Ukusuka apho baqala khona ziqulathe iindleko zeendleko eziphambili zekhaya (umbane, amanzi, igesi, njl.), onokuyenza rhoqo xa usiya kwivenkile, okanye kwiivenkile ezikufutshane nekhaya lakho. Akukho sithuba sisebenzayo nakuphi na ukusebenza okwenzileyo kwinqanaba lakho. Kodwa apho ubungenakucinga ukuba kukuba kwintengiso yemasheya wakho unokufikelela kwezi njongo zifunwa ngumdla wakho njengomthengi.
Izicwangciso zotyalo-mali ziya kusebenza ngakumbi nangakumbi njengoko uphuhlisa ukuthenga nokuthengisa iiodolo unyaka wonke, okanye ubuncinci inxenye entle yonyaka. Ayothusi into yokuba ukuba utyale imali ixesha elinye kunye nomsebenzi omnye okanye emibini kunyaka ngamnye, ukonga akuyi kuqatshelwa ngokugqithileyo kwiakhawunti yakho yokutshekisha. Akumangalisi ukuba olona londolozo lukhulu luya kwenzeka kubasebenzisi abenzayo Okukhona urhwebo luthe kratya kwiimarike zezabelo, kokukhona kungcono. Iya kuba sisitshixo sempumelelo xa usebenzisa esi sicwangciso sicebisayo.
Zeziphi ezona ntengiso zifikelelekayo?
Umthombo wokuqala wolondolozo uvela apho iimarike ze-equity kulapho uthatha khona isikhundla sokwenza ukonga kwakho kunenzuzo. Ukusuka kule meko, nangalo lonke ukhuseleko, ukuba iya kuba ziimarike zikazwelonke ezikunika amaxabiso okhuphiswano ngakumbi. Hayi lilize, unako yonga ukuya kuthi ga kwiipesenti ezingama-50 zeekhomishini ngokubhekisele kwiimarike zamanye amazwe (France, Germany, Italy, Great Britain, njl.
Ukongeza, olu khetho aluyi kunciphisa ukusebenza kwesindululo sakho sotyalo-mali. Iimarike zaseSpain ngoku zibonelela ngazo zonke iintlobo zonikezelo, kunye namacandelo kunye nokukhuselwa kweentlobo ngeentlobo, ezingenanto encinci okanye ezingenamona kwabo zidweliswe kwezinye iimarike zangaphandle. Ukuza kuthi ga ngoku, ukuba kwezinye iibhanki kunye nabangeneleli bezemali, bakunika i ixabiso elimthebelele ke ungagcina imali eninzi kuthengiso lwee-equity. Isiphakamiso esiphakamisayo, ngaphandle kwamathandabuzo, sokuqulatha ezi ndleko.
Ngalo lonke ixesha uhendwa ukuba uphume ngaphandle kwemida yethu ukhawulelana nale mfuno, akufuneki uyilibale loo nto imisebenzi iya kuhlala ibiza kakhulu, Kwaye nokuba ungayenza njani imisebenzi yakho yesitokhwe. Ngenxa yale meko ibonisiweyo, uya kuba nayo phambi kwakho indlela yokuqala yokwenza ugcino kulo msebenzi ube yinyani.
Ngale ndlela, isicwangciso sakho sokuqala kufuneka sisekwe kutyalo mali kwintengiso yesizwe ngaphezu kwayo yonke enye into. Kwinzuzo yezoqoqosho, iya kongezwa inyani yokuba uya kuba nolwazi ngakumbi ngamacandelo ayo. Abayi kuba yinto engaqhelekanga kuwe, kwaye usenokuba sele usebenze nabo ngaphezulu kwesihlandlo esinye. Ukwazi ukwenza isicwangciso sotyalo-mali esixhaswa ngamava eminyaka emininzi.
Gcina ngokusebenza rhoqo
Ukuba ungomnye wabo batyalomali abakhuthaza ukuthengwa kwezabelo kunye nemisebenzi yokuthengisa phakathi enyangeni, ungathatha ithuba lokufumana amaxabiso aphakamileyo amaziko ezezimali athengisela abona bathengi basebenza kwiimarike zezabelo. Ukuhamba umrhumo osisigxina rhoqo ngenyanga, echazwe phakathi kwe-20 ukuya kwi-30 ye-euro, uya kuba nethuba lokwenza imisebenzi ngaphandle kwemida okanye izithintelo zalo naluphi na uhlobo.
Eli nqanaba likhethekileyo liya kukuvumela ukuba uvelise imali kwezi nkcitho zingabalulekanga, kwaye ezinokufikelela kwi-euro ezininzi kunyaka ngamnye, ukuba Utyhala iiodolo ezininzi zezi mpawu rhoqo ngenyanga. Nangona ngokuqinisekileyo nakule meko uya kuthintelwa ekwenzeni ezo kwiimarike zesizwe, apho ezi zinto zibonelelwa zithengiswa kakhulu ngamaxabiso abo. Ayothusi into yokuba, ngezinye iiakhawunti zokurhweba ngeli xesha, ukonga kungasondela kwi-100 euro kwinyanga nganye ongene kuyo ngeli nqanaba.
Nangona kunjalo, ukuba ukhetha ifayile ye- iimarike zamazwe ngamazwe Izindululo zokuba neenkcitho zabo ziya kwehla kakhulu. Kodwa ngokuba nesibonelelo esincinci, bayayeka ukuzalisekisa le minqweno yokuwela umda kwiimarike ze-equity. Kwaye apho ulondolozo lunokuba lukhulu ngakumbi kunezinye iifomathi, ngokuchanekileyo ngenxa yokunyuka kweekhomishini kunye nenkcitho kulawulo nolondolozo. Kukulungele ukuba uyikhumbule ukusukela ngoku, ukuba uza kuhamba nakweyiphi na kwezi meko kwiinyanga ezizayo.
Ukwahlula ii-odolo zokuthenga
Njengoko uyazi, imida yokulamla esebhankini isebenza kuwe iyatshintshatshintsha ngokuxhomekeke kwinani lilonke lomsebenzi owunyusileyo kwimigangatho yorhwebo. Icebo elincinci lokunciphisa iindleko kukudibanisa imisebenzi yakho yokuthenga (okanye yokuthengisa). Endaweni yokwenza ezine okanye ezintlanu ezincinci kakhulu, kukhethwa ukuba uliqokelele libe linye kwaye libe likhulu. Ayilolize, uya kuba nakho ukubona phantse kwangoko, ii-euro ezininzi onokuzigcina ukuba ukhetha esi sicwangciso santlandlolo, kodwa kwangaxeshanye sisebenza ngokwenene.
Kuyinyani ukuba iyakukuthintela ukwahluka kotyalo-mali, kodwa endaweni yokuhlaziya amandla onokufikelela kuwo iya kwandiswa ngakumbi ngokumangalisayo. Ngayiphi na imeko, iya kukukhokelela ekwenzeni iinzame ekukhetheni ukhuseleko olwenza iphothifoliyo yakho yotyalo-mali. Sisicelo esithandekayo kakhulu sokumiselwa ngokusisigxina okumiselwe ixesha eliphakathi nelide. Kwaye kunokuba kunjalo Inikwe amandla kukhuseleko lwezivuno eziphezulu. Banokukunika isivuno phakathi kwe-3% kunye ne-8% minyaka le. Ngaphezulu kokubonelelwa kwiimveliso eziphambili ezisekwe kwingeniso esisigxina (iidiphozithi zexesha, amanqaku ezithembiso, ityala lomntu, njl. Ukudala ingeniso emiselweyo ngaphakathi umahluko.
Uya kuqala ukuqaphela iziphumo zokonga kwimali yakho yokujonga ukujonga kwasekuqaleni, kunye nokuba sempilweni kwayo. Ayisiqulathe kuphela iindleko, kodwa ikwanyusa nolawulo lotyalo-mali. Kwaye ngenxa yoko, nge ukhetho olukhulu lokwenza ukonga okunenzuzo kugxilwe kwixabiso elinye. Njengento engeyiyo, umngcipheko uya kunyuka, nangona ungabanciphisa ngokusebenzisa i-odolo yokuyeka, eyaziwa njengelahleko yokumisa.
Unikelo nonyuselo oluvela kwiibhanki
Ngaphandle kwamathandabuzo, kuya kufuneka unike ingqalelo kuzo zonke izindululo ezenziwa ngamaziko ezezimali ukutsala umdla wabathengi bawo, nalapho unokuzuza khona nanini na nakwimeko enjani, ngokugcina imali eninzi. Izindululo zezendalo ezahlukeneyo, kwaye zenziwe phantsi kwezicwangciso ezichaseneyo ngokupheleleyo zendlela yazo. Okona kuqhelekileyo kukusungula amaxabiso asezantsi anokuba nawo isaphulelo esijikeleze i-30% kumaxabiso abo oqobo. Ukubakho kwinxalenye elungileyo yeebhanki. Ukwenza iakhawunti yokhuseleko, kwaye ngaphandle kweemfuno ezinkulu.
Eyona ndlela inoburharha isusela kutyalo-mali lokudlulisa imali apho iibhanki zivuza abathengi abatsha, kubandakanya ngemali, Kuxhomekeke kwibhalansi ebonelelwe ngabasebenzisi. Kwaye kusebenza ngakumbi xa bezama ukutshintsha iibhanki, kuyo nayiphi na imeko. Kwakhona kule meko yesinye, ukukhuthazwa kokonga kunokubakho ngaphandle komzamo ogqithileyo, nangaphezulu kwezinye iindlela eziqhelekileyo.
Akunjalo Ukupheliswa kwezinye iindleko ukubandakanyeka ekusebenzeni kwiimarike zezabelo. Ngokuqhelekileyo zizona zincinci zincinci kuzo zonke, kwaye zinceda ukugcina. Kodwa nangona kunjalo, iya kuba yenye enye indlela ekufuneka usike ngayo konke ukuvuza kwemali ngexesha lotyalo-mali kwimarike yemasheya. Ngayiphi na imeko, kuya kufuneka ukuba uyazi kakhulu ngenkangeleko yezi ntengiso, kuba zigcina ixesha, kwaye ziyavela amaxesha ngamaxesha.
Lungisa ukuthengwa nokuthengisa amaxabiso
Nokuba yeyiphi na indlela, eyona ndlela yokufezekisa ezi njongo zinqwenelekayo kukuzama ukulungisa kakuhle ii-odolo zokungena nokuphuma kwiimarike. Nakuphi na ukuphambuka, phezulu okanye ezantsi, kunokuxabisa ii-euro ezininzi kunokuba ungacinga ekuqaleni. Kwaye njengoko umsebenzi unamandla ngakumbi, iziphumo ziya kubonakala ngakumbi. Elona cebiso lililo lokufezekisa oku kukugcina umonde kwinkqubo, kwaye kungenziwa yonke imisebenzi ngaphandle kwesiseko.
Nayiphi na inzuzo oyifumene ngaphezulu kwe-10% iya kuba yinto eyonelisayo, ukuya kwinqanaba lokuba ayenzi mfuneko yokuba usebenzise amanye amacebo ongezelelweyo ukukhuthaza ukonga kolu hlobo lomsebenzi. Ekupheleni kosuku iya kuba yinjongo apho izenzo zakho kwimarike yemasheya zilawulwa khona.
Kwaye kuya kubaluleke kakhulu ukuba ugcine engqondweni ukuba ayizizo zonke iibhanki ezibonelela ngamaxabiso afanayo, kodwa hamba ngonxaxho oluncinci. Kuya kufuneka ukhethe ezona zinokhuphiswano, ukuba iinkonzo ezibonelelweyo zikumgangatho ophezulu kwaye ukhululekile ngezibonelelo zazo. Kwaye apho iifomathi ezikwi-Intanethi zezona zibonelela ngamaxabiso aphezulu, kunye nezinye iindlela zokugcina. Ukongeza, ngokubanakho ukuthenga nokuthengisa izabelo ngexesha lokwenyani.
Njengoko unokubona kolu lwazi, kukho imithombo emininzi onokuthi ujike kuyo ukuze ubenayo inkcitho yotyalo-mali lwakho kwaye ugcine imali, kwaye apho kufuneka uthembele kukhetho olulungele iprofayili yakho njengomtyali mali omncinci.