Xa unemali eyoneleyo oyinikiweyo yokuphefumla lula kwaye uyazi ukuba, ukuba kwenzeka into, unemali yokuyisombulula, kwangaxeshanye unokucelwa ukuba loo mali ibingayi kuhamba ngcono, ukuze izise izibonelelo. Ke ngoko, unokuba nombuzo omnye engqondweni yakho: Utyala phi imali yam?
Ukuthathela ingqalelo ukuba naluphi na uhlobo lotyalo-mali luzisa zombini izibonelelo kunye nemingcipheko, ukwenza isigqibo esifanelekileyo ayisiyonto nje yobusuku, kodwa kuya kufuneka ulinganise izinto ezilungileyo nezingalunganga. Ukongeza, kwiimeko ezininzi, wakube utyale imali yakho, awunakho ukuyikhupha nanini na ufuna, kodwa kuphela xa sele isekiwe, ethintela ukuba ungabinangxaki nayo.
Tyala imali: kutheni usenza njalo
Uninzi lwaziswa kwihlabathi lotyalo-mali lucinga ukuba luza kufumana imali eninzi kwaye ngokukhawuleza okukhulu. Kwaye inyani kukuba ayiyonyani. Ukongeza, kufanele ukuba kukhunjulwe ukuba naluphi na utyalo-mali, nkqu nolona lukhuselekileyo, lubandakanya umngcipheko, kwaye ungaphelelwa yimali onayo. Ke ngoko, iingcali zihlala zincoma ukuba ungalondolozi yonke imali yakho oyigcinileyo, kodwa inxalenye oshiyekileyo kwaye awuzukuyidinga ethubeni.
Kuba ukuba, Utyalo-mali ayisiyombandela yokuboleka imali kwaye ibuyiselwe kuwe ngosuku olulandelayo, okanye ngeveki. Ngamanye amaxesha kungathatha iminyaka, kwaye isibonelelo osifumanayo sincinci, asikho sikhulu. Inqaku lelokuba, kancinci kancinci, loo nzuzo incinci iyajika ibe enkulu, kodwa oko akuthethi ukuba utyalomali luzakwenza ukuba ube ngusozigidi.
Isizathu sokuba uninzi luqwalasele olu khetho kungenxa yokuba imali emisiweyo ayichazi nasiphi na isibonelelo, nokuba ziisenti ezimbalwa. Kwaye okwangoku, ukuba uyityale, unokuba nayo. Kodwa musa ukulindela nakuphi na ukubetha kwethamsanqa okanye ucinge ukuba uza kufumana isixa esikhulu semali.
Ukuqukumbela: ukutyala imali yakho kunokuba yinto onokukuzisela yona, kodwa kufanele ukwenze kuphela okuseleyo emva kokugubungela iimfuno zakho kwaye ube "nomqamelo" wokukunceda ukusombulula naziphi na izinto ezinokwenzeka.
Impendulo yokutyala imali yam
Ukuba awuyeki ukucinga ngayo kwaye uhlala ucinga "ukuba ungayityala phi imali yam", ke apha sikunika ezinye iindlela, ezinye zikhuselekile kunezinye. Zonke zinokwenzeka, nangona sicebisa ukuba, Ukuba awunalwazi, okokuqala zama ukuvavanya kakuhle ukuba ufuna ukwenza ntoni. Kananjalo, xa kunokwenzeka, sukutyala lonke ulondolozo onalo, kodwa yinxalenye yalo. Ngale ndlela, uya kushiya umatrasi onokuwusebenzisa ngelixa elinye icala lihamba ukunika ingxelo ngezibonelelo.
Iimali zotyalo-mali
Olu lolunye lwezinto onokukhetha kuzo olunethuba lokuba kufuneka lwenziwe yingcali, yiyo loo nto ikhuselekile (kangangoko kunokwenzeka). Ukongeza, kuxhomekeka ekubeni ungumtyali mali olinganiselayo, olondolozayo okanye onobungozi), baya kukubonelela ngeendlela ezahlukeneyo zotyalo mali.
Ingcebiso yethu kukuba buza ngaphambi kokwenza isigqibo, kwaye udibane nengcali eya kuthi ilawule yonke into. Nangona amanani abaCebisi beRobo avele, ziirobhothi ezinoxanduva lokulawula yonke into ngendlela ezenzekelayo.
Kwaye kubandakanya ntoni ingxowa mali? Ewe, ngokusisiseko kukuhlanganisa imali yabatyali mali abaliqela yokutyala iiasethi ezahlukeneyo kwaye, kamva, ufumane izibonelelo ngokusekwe kwigalelo lakho.
Acciones
Izabelo lukhuseleko olukhutshwa ziinkampani ukuze abanye bazithenge kwaye, ngale ndlela, bafumane imali yokuzixhasa. Olu khuseleko lunika amalungelo kubantu abangabanini bazo, ngendlela yokuba baxhamle kwizabelo ukuba inkampani igqiba ekubeni ibasasaze.
Kodwa ngokusisiseko kwimeko yotyalo-mali, into oyenzayo thenga izabelo kwaye emva koko uzithengise ngexabiso eliphezulu. Ngale ndlela, uyayibuyisa imali kunye nenzuzo kuba uyazithengisa ngemali engaphezulu kunaleyo zibiza yona.
Ngoku, nangona kubonakala kumnandi kakhulu kwaye unokwenza imali eninzi, enyanisweni ngumngcipheko omkhulu kakhulu ojamelana nawo, kuba ezo zabelo zinganyuka kwaye zitshone. Ngamanye amagama, kwa into enye unokuphinda kabini oko uhlawule izabelo; okanye ulahlekelwe sisiqingatha semali yakho (okanye yonke).
Iibhondi
Kufuneka uqonde iibhondi njengokhuseleko lwamatyala. Ezi zikhutshwa ziinkampani nanguRhulumente okanye amanye amaqumrhu ukuba afune inkxaso-mali kwaye into ayivumelayo kukuba umnini wezi bhondi angayifumana intlawulo yenzala "yokubolekisa" loo mali ixabisekileyo.
Banelungelo loku nikezela ngembuyekezo ephezulu, kodwa incinci kunasezitokisini. Kwaye awudingi ulwazi lobuchwephesha.
Kuzo zonke iindlela onokuzibuza zona kumbuzo othi "ungayityala phi imali yam", yeyona yona inobungozi obuncinci. Kodwa oko akuthethi ukuba kuya kufuneka ungene ngaphakathi. Iingxaki emhlabeni zinokubangela ukuba kubekho imingcipheko emininzi, enje ngohlobo lokwehla kwamandla emali, inzala, ukuthengiswa kwemali ... Kwaye koku kufuneka wongeze ukuba ixesha elide leebhondi ixesha elide, umngcipheko obalekayo obalekayo.
Iidipozithi zexesha elimisiweyo
Ukuba awufuni ukubeka emngciphekweni kakhulu, olu lukhetho uninzi olukhetha ukukhuseleka. Ukwenza oku, into oyenzayo kukuya ebhankini eyakukubonelela ngembuyekezo endaweni yokugcina isixa semali sakho kangangexesha elithile X. Emva koku, uya kuba nakho ukuhlawulisa inzala ngokungayichukumisi loo nto imali.
Ngoku, uza kususa ntoni? Bayayivumela, kodwa bahlawule isohlwayo.
Into elungileyo ngayo kukuba, Phambi kokumisela yonke into ngokusesikweni, baya kukuxelela ukuba uza kufumana ntoni. Ke kufuneka uxele kuphela ukuba uza kushiya imali engakanani kwaye uza kuba nexesha elingakanani ukuze wazi ukuba uza kukuzisela malini. Kodwa musa ukulindela ukuba bakunike isixa esikhulu.
Olunye ukhetho onokutyala kulo imali yakho
Zininzi iindawo kunye neenketho zokutyala imali yakho. Ukusukela Ukuthengiswa kwezindlu, indawo yokuhlala, imali encinci, ukuba yingelosi yeshishini, ukudala ishishini ...
Isigqibo sokukhetha enye okanye enye kubandakanya ukuba wazi ukuba yeyiphi imingcipheko yotyalo mali kwaye ingakuzisa ntoni na. Kuya kufuneka ugcine intloko epholileyo kwaye ungacingi ukuba inkulu, kuba oko kuyakubeka ukukhohlisa kwinto enokuthi, kamva, iphele iyakuba yi-fiasco.
Ngaba ucebisa ezinye iindlela onokutyala kuzo imali?