Enye yezona mpazamo zixhaphakileyo kwabaninzi kukuba neakhawunti yokonga apho imali iqokelelana khona, kodwa ingenzi ngeniso kuyo. Oko kukuthi, utyalo-mali loo mali kolona tyalo-mali lunenzuzo kakhulu.
uyayazi into abayithethayo imali ayinakuhlala izolile kodwa kufuneka ihambe ukuze ifumane eyona nzuzo iphezulu yoku. Kodwa ukwenza njani? Kwaye kwintoni? Apha sibonisa iindlela zotyalo-mali onokuzenza.
kutheni utyalomali
Xa unogcino oluthile, ngaphaya kwe-cushion yemali onayo kwizinto ezinokwenzeka, kufuneka uhlale ukhumbula ukuba ayikwazi ukuhlala. Iikomishoni zeakhawunti, ukugcinwa, njl. iya kunciphisa ezo zonga kwaye, endaweni yokufumana, uya kuba ulahlekelwe yimali.
Kungenxa yoko, kufuneka uzazi iindawo oza kutyala kuzo. Kodwa, ngaphezu kwakho konke, ngenxa yokuba:
- Ukunyuka kwamaxabiso ngonyaka kuya kwenza ukuba imali yakho ixabiseke kwaye incinci.
- Ibhanki iza kuthatha imali kuwe ngenxa yokuba loo mali ifakwe kwiakhawunti yakho.
Ukunqanda oku, kufuneka ufumane utyalo-mali olunenzuzo ethe chatha olukubonelela ngenzuzo, ngonyaka okanye ixesha x. Ngokucacileyo, ezinye ziya kukhuseleka ngakumbi kunabanye. Ngaba uyafuna ukwazi ezinye?
Olona tyalo-mali lunenzuzo kakhulu onokuluqwalasela
Nokuba awunambono yokutyala, ukuba unemibono okanye uyingcali, oku kunomdla kuwe. Kuba kusoloko kukho imibono okanye izenzo ezinokuthi zibe ntsha kwaye eziya kukunceda ukuba imali yakho ikusebenzele.
Kodwa, okokuqala, sicebisa ukuba uzazise kangangoko malunga nayo ukuze wazi imingcipheko kunye neenzuzo kwaye ke wenza isigqibo esilungileyo.
Ziphose kuyo?
Tyala imali kwi-real estate
Enye yezenzo zokuqala ezenziwa ngabaninzi kutyalomali loo mali kwaye inika imbuyekezo kukuthengisa izindlu nomhlaba.
Nge-real estate sibhekisa kwezo zindlu, iindawo zokuhlala, iiflethi, indawo, njl. ezinokuthengwa, kodwa kungekhona ukuhlala kuzo okanye ukubeka iivenkile, njl., kodwa ukuzirenta.
Ngokomzekelo, khawube nomfanekiso-ngqondweni wakho unemali eyaneleyo yokuthenga indawo yokupaka kumbindi weMadrid. Njengoko usazi, ukupaka eMadrid phantse akunakwenzeka, kwaye nokuba uyenzile, kukubiza imali.
Ngoko unokuqesha eso sithuba kubantu abaya kwindawo ekuyo. Umzekelo, abasebenzi baseofisini abakufutshane. Ngale ndlela uya kuba ufumana imali yenyanga ngeendleko zento oyithengileyo yaye, ekuhambeni kwexesha, xa uzihlawulele iindleko, iya kukunika izibonelelo kuphela.
Kwenzeka into efanayo nakwiflethi, indlu, indawo...
Iimoto, enye yezona zinto zinenzuzo yotyalo-mali lwangoku
Kule meko kukho "amashishini" amabini onokuthi uwaqwalasele. Enye yazo inokubiza kakhulu, kodwa enye ingabi kakhulu.
Masihambe nezinto ezidurayo. Ngaba uyazazi iimoto zodidi oluphezulu, iimoto zemidlalo...? Ngokuqinisekileyo ewe. Kwaye ngokuqinisekileyo nawe uphuphe ngokuqhuba enye yazo. Kodwa zibiza kakhulu kangangokuba awukwazi ukuzifikelela. Okanye mhlawumbi nezo zogcino.
Kodwa, ngokuqinisekileyo, uthenga imoto, uyayisebenzisa kwaye yiyo loo nto. Kutheni ungangeneli kuyo?
Ukuba ulawula imarike yeemoto kunye "namaphupha" kancinane, unokukwazi ukuseta inkampani encinci yokurenta iimoto.. Kwimitshato, ubhaptizo, umthendeleko, iintsuku ezikhethekileyo, ihlobo ... okanye nje ukubonisa.
Ungabiza isixa semali ukurenta imoto kwaye xa uhlawula iindleko uya kuba neenzuzo kuloo moto.
Yiyiphi enye indlela? Yenza okufanayo kodwa ngeemoto "eziqhelekileyo". Bekhumbula ukuba namhlanje kubiza imali eninzi ukulungisa inqwelo-mafutha nangaphezulu ukuyithenga, bambi bacinga ngokuqesha imoto ngezo mini bayidinga ngayo, ngendlela yokuba ubuya kuba ufumana imali eyongezelelekileyo kwaye utyale imali oyiyekile.
Tyala imali kwiinkampani eziqalayo
Oku kubizwa ngokuba yi-startups. Ziinkampani ezisanda kuzalwa kwaye ezinokusebenzisa imali eyongezelelweyo ukuze ziqhubele phambili. Ngembuyekezo uya kufumana inzuzo yezoqoqosho kakhulu. Kodwa ukuze uphumelele kufuneka uyisebenzise kwiinkampani eziphumelele ngokwenene. Kwaye oku ngamanye amaxesha akusoloko kufezekiswa.
Nangona kunjalo, unokuzenzela ngokwakho. Kufuneka nje ucinge ngento oyithandayo okanye into onobuchule kuyo kwaye uye kuyo. Khumbula ukuba nangona usebenza unako ukuqalisa ngaxeshanye.
Imali engezantsi yedijithali
Masiqale kwisiseko sokuba ukutyalomali kwi-cryptocurrencies akukho lula. Kuyacetyiswa ukuba ube nemibono kwaye ucingisise nzulu izinto phambi kokuba wenze izigqibo. Kodwa asinakuzifihla kuwe lolona tyalo-mali lunengeniso kakhulu namhlanje, nakwixesha elizayo.
Baya besanda oorhulumente namazwe abanikela ingqalelo kubo. Abanye bade bazilungelelanise njengemali esemthethweni, ngoko siyakrokrela ukuba iya kuba lelinye lamashishini ekamva. Kwaye kungcono uqale ngoku.
Ukwenza? Zazise, ufunde kwaye ngaphezu kwakho konke uhambe ngentloko yakho. Kweli "hlabathi" unokufumana imali eninzi. Kodwa kwakhona ulahlekelwe yiyo yonke into.
Tyala kwiimali zesalathiso
Ngaba ubusazi ukuba iingcali zithi lolona tyalo-mali lulungileyo nolunengeniso olukhoyo? Ewe, kwaye akufanele uyiyeke ihambe.
Los Iimali zesalathisi lutyalo-mali olungenamsebenzi, kuba akukho mfuneko yokuba wenze nantoni na. Ukongeza, inokugcinwa ixesha elide ngendlela yokuba ufumane izibonelelo zakho kwaye wenze ukonga kwakho kukhule ngakumbi nangakumbi.
Ngokuhambelana nale nto, kukho enye inketho engumcebisi we-robo, evumela ukuba ungenzi nto kuba yibona abaphetheyo ekukhetheni ukuba yiyiphi imali engcono kakhulu yokutyala imali yakho. Ngembuyekezo kuya kufuneka unikezele ikhomishini, kodwa idla ngokuba phantsi kakhulu.
Kwixesha elide, le yenye yezona ndlela zingcono zokucinga. Kodwa khumbula ukuba ixesha elide.
tyala imali kwiibhondi
Apha asithethi kakhulu malunga notyalo-mali olunenzuzo ngakumbi, kodwa malunga nezikhuselekileyo. Njengokuba isebenza kwixesha elide kwaye ungafumana malunga ne-2% yento oyityalayo. Konke kuxhomekeke kwilizwe apho utyalo-mali kunye nomngcipheko ohamba nawo.
Igolide
Igolide ibisoloko ikho (kwaye isenjalo) a ixabiso-esebenzayo kwaye ixabiso luncedo kakhulu. Kwaye yinto ebisoloko ikhona kwaye inokuba nexabiso ekuhambeni kwexesha. Ngoko lolunye ukhetho olunokuqwalaselwa.
Njengoko ubona, kukho iindlela ezininzi zotyalo-mali ezinenzuzo. Isigqibo akulula ukusithatha kwaye kuya kufuneka ujonge izinto ezininzi. Unokude usasaze olo londolozo kulo lonke utyalo-mali olwahlukileyo. Yonke into iya kuba ngcono kunokugcina imali ebhankini yakho kwaye ulahlekelwe yinxalenye yayo ngokuhamba kwexesha. Ngaba awucingi njalo?