Ukuba udlala kumzobo weLotto weKrisimesi olandelayo nge-22 kaDisemba uza kuba nakho ukudumba uluhlu loosozigidi ukuba ishumi lakho linikezelwa ngejackpot. Uya kuba ngumxhamli ongekho ngaphantsi kwama-400.000 euros onokuyonwabela ngayo iminyaka ezayo. Ukuya kwinqanaba lokuba ungazibuza ukuba lixesha elifanelekileyo na lokuthatha umhlala-phantsi kwaye uphile ngokufumana umvuzo. Kwaye zezona ndaba zimnandi zokuvalelisa kulo nyaka.
Ngapha koko, khumbula ukuba ayizukuba sisixa esiya kuthi siye kwiakhawunti yakho yokutshekisha. Hayi ngelize, baya kunciphisa iirhafu ezimiselwe umdlalo. Kuba ngokusebenza kwayo, i-jackpot iya kurhafiswa nge-20% yamabhaso ngaphezulu kwe-2.500 euro. Ngenxa yoku kutsalwa, i-80.000 ye-euro iyakutsalwa. Ke, imali engamanzi oza kuyifumana iya kuncitshiswa iye kuma-euro ayi-320.000. Kodwa musa ukuba nomsindo, usenayo imali engamanzi exabisekileyo ukuyenza ibenenzuzo.
Kule bhaso ibalulekileyo oza kuyifumana, isixa salo bhaso siya kufumaneka ngedola. Nokuba ufikelela kumanqanaba afunekayo, kuxhomekeke ekusebenzeni kwakho kwiimarike zemali. Ezinye iindlela zotyalo-mali onazo zahluke kakhulu, Ukusuka kwizivumelwano kwiidipozithi zekota ukuya kwezinye iindlela ezinobungozi, ezinje ngokutyala kwezona zinto zinomdla kakhulu kuwo onke amaxesha.
Gordo: tyala imali kwiimveliso
Ungaqhubeka nokulingisa ithamsanqa lakho kwaye uzame iimveliso zezezimali ukuze uqhubeke ukwandisa ubutyebi bakho. Ukuze ngale ndlela, ekugqibeleni ungabushiya ubomi bakho bokusebenza. Ukuya kuthi ga kwimida yenzuzo enqabileyo ebonwa kwimbali yakho emfutshane njengomtyali mali omncinci nophakathi. Ayothusi into yokuba uya kuba nemali eninzi kunoko unokucinga ukuba inokwenza inzuzo. Ukusuka kweyona mveliso ilungileyo yotyalo-mali elingana neprofayili oyivelisayo.
Ngale ndlela, iya kukuvumela ukuba uthathe umngcipheko omkhulu Ukuza kuthi ga ngoku. Ukuza kuthi ga kwinqanaba lokuba ilahleko yemali ayizukuba yingxaki ukuba imisebenzi ayizukukhula njengoko ubucwangcisile ekuqaleni. Iya kuba ngumqobo othile, kodwa akukho nto iyenye. Esi sesinye sezibonelelo ekufuneka unazo ukuba ufumana iKrisimesi enkulu kulo nyaka. Ubuncinci uyakukhonza ukuba wonwabe kwaye ujonge ukuba yeyiphi imali eyongezelelweyo onokuyifumana kunyaka olandelayo.
Iziphakamiso ezivulekileyo kuwe zinkulu. Ayisiyiyo kuphela kwizabelo, kodwa kwiimodeli ezizinzileyo nakwiimodeli ezizezinye kude kube ngoku azibalanga kwimisebenzi yakho yotyalo mali. Ewe, iya kuba lithuba elikhethekileyo eliya kuxhomekeka kwithamsanqa lokuba iibhola zehyphe zikunike ixesha lala maqela akhethekileyo aqala ngalo. Kwaye yeyiphi indlela ebhetele kunokuba ube ngophumeleleyo kunye nelishumi eliphumeleleyo.
Tyala imali kwiidipozithi zexesha elimisiweyo
Ukuba ufuna ukhetho olugcinayo ukuze uqhubeke nokunyusa ubutyebi bakho unomnye wabamkeli besixa somvuzo wakho kwiidipozithi zakho zekota. Kodwa hayi wonke umntu, kodwa imodeli eyonyusa inzuzo yakho. Inokusekwa kwizindululo ezijolise kubathengi abatsha kwaye babe namaxesha amafutshane kakhulu ekhokelo. Phakathi kweenyanga ezi-1 ukuya kwezi-6 kwiifomathi ezininzi. Ngenye yeendlela ezimbalwa onokuthi ukhethe kuzo ukusebenza kwezi mveliso zezezimali.
Olunye lolona khetho lukhuselekileyo nolomeleleyo onokuthi wenze ibhaso elifunyenwe kwiKrisimesi Lottery ukuba yinzuzo kukuya kwenye yeemveliso ezininzi zamatyala oluntu. Olu lukhetho kubasebenzisi abalondolozayo. Akunanto, bayakuxhasa ukusebenza okuzinzileyo nokuqinisekisiweyo kuyo yonke imithambo. Kodwa endaweni yokunika ingxelo ngenzala ephantsi kunezinye iindlela zotyalo-mali. Nangona kunjalo, kunesiphene esikhulu ukuba yenzelwe ixesha elide. Ixesha eliphakathi kwe-10 kunye ne-30 iminyaka.
Njengecebo lokugqibela, ukubanakho ukutyala yonke imali kwiimali ezihlangeneyo ngokusekwe kwingeniso esisigxina. Ngenzuzo onokuyenza ulwahlulo olukhulu zotyalo-mali. Ngenxa yesi siganeko, uya kuba nakho ukufumana imali ephezulu kuyo yonke iminyaka. Ungayidibanisa nezinye iiasethi zemali ukukhulisa imbuyekezo kwiimali ezityaliweyo kule mveliso.
Tyala ibhaso kwimarike yemasheya
Ngayiphi na imeko, ukuba kukho intengiso apho ungaqhubeka ukonyusa iiasethi zakho, kulula kakhulu. Kanye nokujongana nokulingana, kokubini kuzwelonke nakwamanye amazwe. Kodwa ngeendlela ezahlukeneyo. Enye yezona zinto zilula yinto ebonakalayo ngokuthengwa kunye nokuthengiswa kwezabelo. Ngokukhawuleza ukuba iimarike zezemali ziziphathe kakuhle, ungaziphucula isikhundla sakho ukuya kuthi ga kwi-10%. Ngale ndlela, ii-euro ezingama-320.000 zebhaso lakho iya kuba ngama-32.000 ongezelelweyo.
Ayisiyiyo kuphela into enokwenzeka ngezi ndlela zezemali. Unenketho yokubhenela kukhuseleko oluhambisa rhoqo izabelo kubo bonke abaninizabelo. Hayi ngelize, iya kukuxela ukubuya okungagungqiyo phakathi kwe-4% kunye ne-8%, kuxhomekeke kukhetho olwenzayo. Ngamaxesha onke ngendlela emiselweyo kwaye eqinisekisiweyo, kwaye nokuba amaxabiso abo avela njani kwiimarike zesitokhwe. Ukunyusa ngokuthe ngcembe inkunzi iye kumanqanaba aphezulu.
Unezinye iindlela ezizezinye, ezinye zazo zinobundlongondlongo ngokunyanisekileyo kwaye zinokunyusa ukujonga kwakho ibhalansi yeakhawunti ukuya kumanqanaba angathethekiyo. Kule meko, ingangu mvume, nangona ukuvula izikhundla kwezi mveliso awuzukukhetha kodwa ukuqokelela amava ngakumbi ekusebenzeni kwazo. Ungayithatha inzuzo ukuya kwiipesenti ezibaluleke kakhulu, ungade uyiphindaphinde imali yakho ukuba imisebenzi yanelisa kakhulu umdla wakho.
Ezinye iindlela ezinoburharha
Ngapha koko unokhetho olunobundlongondlongo ngakumbi kuxhomekeke kwimveliso oyiqeshileyo. Unezindululo ezininzi eziphambi kwakho, ukuphucula kakhulu ixabiso lelotto lelizwe. Ukuba ucinga ukuba indalo yentengiso yesitokhwe ayizukulunga kakhulu, ungasayina intengiso ngetyala. Xa izibonelelo ziveliswa kukuwa kweemarike zezabelo. Unokufumana imali eninzi, ngakumbi kunolunye uyilo. Kodwa ukubuya, umngcipheko oza kuwuqhuba mkhulu kakhulu, ukuya kuthi ga kwinqanaba lokumosha inxenye yezibonelelo eziveliswe ngoorhulumente.
Ukumisela ngokusesikweni inkqubo Ukuthengisa ngetyala Kuya kufuneka ukhuseleko olukhulu kakhulu kwiimeko ze-bearish kwimarike yemasheya. Ukuba akunjalo, kungcono uyeke ukuvula izikhundla ngokusebenzisa iimodeli ezizodwa zotyalo-mali. Ngayiphi na imeko, ungaqhubeka nokuzama ithamsanqa lakho kwakhona kwaye ulawule ukufikelela kwiinjongo ozilandelayo. Yintsebenzo ekufuneka uyicingisise nzulu ngaphambi kokuba wenze isigqibo sokugqibela.
Esinye isixhobo somngcipheko omkhulu kukurhweba kwikamva lemarike yemasheya. Inokuphakamisa ukubuyela kwakho kumanqanaba angathelekisekiyo kude kube ziinyanga ezimbalwa ezidlulileyo. Kodwa ngenxa yokuthengiswa kwemali eninzi epokothweni yakho unokukwazi ukufikelela koku kudidi. Ewe kunjalo, okoko nje unokuqonda okunzulu ngobume bezi mveliso zinobunkunkqele kwaye zikhethekileyo. Ngaba ukwimeko zorhwebo lwexesha elizayo?
Inzala irhafu
Ngayiphi na imeko, kuya kufuneka ukuba uyazi ukuba ukufumana la mabhaso kuya kukuchaphazela njani kwezemali. Ngaphandle kwendlela onokutyala ngayo imali kwixa elizayo. Ewe, kwaye ukuze ungabinangxaki nonondyebo, awuzukukhetha ngaphandle kokucela ibhanki yakho yesiqhelo uxwebhu oluxhasayo olungqina ukuba isixa-mali Ukuba ungene ngesi sizathu uvela kumvuzo weLotto.
Ibhaso linokwabelwana, kwaye kwimeko apho kuya kufuneka uyichaze kwinqaku eliphumeleleyo, ukuze ube nguwe. Kukho enye into ongenakulibala ukwenza izinto ngokuchanekileyo nokuba. Ayikho enye ngaphandle kokuba ibhaso lakho ngokuthatha inxaxheba (kwaye hayi itikiti okanye ishumi elisemthethweni), iya kuba ngumnini ngokwakhe ophetheyo ukwenza le nkqubo yezolawulo. Kungenxa yokuba, ukuba ayenziwanga ngokusesikweni, iya kuba ngulo kuphela umnini wamabhaso. Ngamanye amagama, kuya kufuneka uthathe unyango lwerhafu lokufumana ibhaso. Ngenxa yesi siganeko, inokwenzakaliswa kakhulu yile nkqubo ingalawulekiyo.
Iingcebiso zokutyala umvuzo wakho
Ukuba ungomnye wabanethamsanqa kumvuzo weKrisimesi, Siyavuyisana, kuba uya kuba nenxalenye yobomi bakho esonjululwe. Kodwa ukuba ufuna ukuyityala, ungafaka uthotho lwezikhokelo eziza kuba luncedo ngokuqinisekileyo ukuqhubeka nokwandisa imali yakho eyinkunzi. Iya kusekelwa kwezi ngcebiso zilandelayo sikubhengeza apha ngezantsi.
- Enye yeziphumo zeli bhaso leKrisimesi iya kuba yile ube nenkululeko engakumbi yokubeka emngciphekweni Amanani aphezulu kwisindululo ngasinye osenzayo ukusukela kunyaka olandelayo. Nokuba unokucinga ngelahleko ezinokubakho kwizikhundla ozivulayo.
- Unokuba ngaphezulu ivulekele kolunye uthotho lweemveliso zemali, nkqu kwiimodeli ezinobundlongondlongo ezinokubuphinda ubume bakho bangoku. Kuya kufuneka ukuba uzihlalutye kwaye ukhethe ezona zilungele iimpawu zakho njengomtyali mali omncinci nophakathi.
- Iya kuba ngumzuzu wokuba ujongane nale misebenzi kwiimarike ocinga ngazo kodwa ngenxa yokunqongophala kwemali ngekhe ubenze bazenze. Ngoku lixesha lokubaqala.
- Imeko yakho yezoqoqosho ngoku izakuvumela ukuba wenze imisebenzi ekhawulezayo kakhulu, kwaye ungavala nezivumelwano kwangoko. Iya kuba luphawu olucacileyo lokuba uzifezekisile iinjongo zakho zotyalo-mali. Nangona usesikhundleni sokukhawulezisa iintshukumo ziye kwelona liphezulu lamathuba akho.