Kubomi bethu bemihla ngemihla sidinga imali, nokuba ingaba kukukwazi na ukuhlawulela izinto zethu zokuhamba ukusuka kwenye indawo ukuya kwenye, ukuthenga i-pantry yethu okanye ukukwazi ukuzithengela ukuthanda. Kuba kukho oku utshintshiselwano olubanzi lwemali kulo lonke elaseSpain, kwaye kwi-European Union, ayothusi into yokuba kukho umntu ozamayo Imali engamaphepha yomgunyathi ukuze ukwazi ukufumana izinto ngomzamo omncinci. Kwaye kungenxa yokuba kukho ngaphezulu kwe-15 yezigidigidi zeerandi, kukho ithuba lokuba ngamanye amaxesha kufuneka sibekho Itikiti alikho.
Ngaba siyazi ukuba mangaphi amatyala omgunyathi akhoyo?
Inyani yile yokuba ngokungalawulwa sinokunika kuphela uqikelelo, kuhambelana ne Idatha yeECB, elingana nama-670 amawaka eebhanki zomgunyathi, nangona enyanisweni yayizezona zikwazileyo ukuchongwa yi-ECB, kananjalo nokuzisusa ekujikelezeni kwazo.
Kodwa lo mhlathi wokugqibela usifundisa inqaku elibaluleke kakhulu Kutheni le nto kukho imali eninzi yomgunyathi esasazwayo? Inyaniso kukuba akukho mntu unokuthatha imali ebhankini esazi ukuba ayiyonyani, emva koko sinokuqonda ukuba kukho loo maphepha asasazwayo kuba asazi ukuba singazichonga njani ngokuchanekileyo; Kulapho xa umntu enikwe thina kwaye singaphinde siyiqwalasele, xa sinokuthi siwele kumgibe weebhili ezichaziweyo.
Ngaba ikhona indlela yokuchonga ityala eliyinyani?
Kuba baninzi abantu abazama xelisa kwaye wenze ngomgunyathi ii-banknotes zokuqala, imibutho yaseburhulumenteni ejongene nokukhupha imali engamaphepha ithathe uxanduva lwabo ekufakweni kolawulo olungqongqo kuyo yonke imiqondiso yesazisi ukuze babenakho ukukhusela imali engamaphepha yokwenyani. Nangona kunjalo, kusekho abantu abazama ukwenza imali engamaphepha yomgunyathi, kwaye bakwenza oko ngendlela eyothusayo; Nangona kunjalo, kufuneka samkele ukuba enye impazamo ekhoyo kukuba kumaxesha amaninzi abasebenzisi bamatikiti abayazi indlela yokuchonga zonke iimpawu zokhuselo ukuqinisekisa itikiti.
Ke ukuze wazi ukuba awufumani mali ingamanga, kwaye awazi ukuba ungayichonga njani, sikulethela le nto isikhokelo esifutshane neengcebiso zokwazi indlela yokuchonga iindleko zomgunyathi. Masiqalise.
Iingcebiso zokwazi ukuba ityala liyinyani
• Into yokuqala ekufuneka uyithathele ingqalelo ukuze wazi ukuba ityala liyinkohliso Kukuchukumisa ityala; Olu phawu lokhuseleko luhlelwa njengenye yeemviwo zokuqala, kuba sonke siyichukumisa imali ngezandla zethu; Ubume bephepha lokuqala Iqinile kwaye iyamelana, kodwa ukuba bakwazile ukulinganisa izinto zebhanki yokuqala, masiqhubeke. Kukho iinxalenye zamaphepha eebhanki ze-euro athi thaca ezinye izinto ezincomekayo ezichaphazela ukubamba, ngale ndlela ukuba ngokubanzi umthetho oyilwayo wobuxoki uziva ngathi uyinyani, sinokukuchonga ukuba siyazibona ezi zinto ziluncedo, okanye hayi.
• Enye yeendlela iimpawu zokhuseleko Ziyimigca yemigca emifutshane ekhululekile, ezi zifunyenwe kwicala lasekhohlo nasekunene lebhanki, kwaye ziyinxalenye engasemva kwayo.
• Uku zichonge imali yomgunyathi Sinokusebenzisa uhlolo olubonakalayo, kule meko into ekufuneka siyichonge kukuba ngokubeka itikiti ekukhanyeni siya kuba nakho ukuqonda oku kulandelayo. Kwicala lasekhohlo lomthetho oyilwayo sinokufumana isithuba "esingenanto", xa ityala liphezulu ekukhanyeni le ndawo ingenanto izaliswe ngumzobo woncedo, ukongeza kwixabiso lebhili.
• Kwimeko ezithile amatyala amatsha Njengama-euro angama-5 sinokufumana kwakhona umzobo waseYurophu kunye nomfanekiso wentsomi onike igama lakhe kwilizwekazi laseYurophu.
• Omnye umqondiso ukhuseleko olubonakalayo Into esinokuyifumana ngumsonto wokhuseleko kwityala, ixabiso lebhili kufuneka lirekhodwe kuyo, ke ukuba ityala aluhambelani, ngokuqinisekileyo liyinyani. Igama i-euro, okanye uphawu lwe-euro, kufuneka luvele kwiibhanki ezintsha. Ke ukuba awukwazi ukuzibona ezi zinto zokukhusela i-inshurensi, ujongana nemali yomgunyathi.
• Ngoku, sigxile kwinxalenye kuphela phambi kwetyala, kodwa asikagqibi ngeempawu zokhuseleko ezikhoyo, kwaye ezi zilandelayo zisekwe ekuguquleni umthetho oyilwayo uchonge oku kulandelayo.
• Xa sijika umthetho oyilwayo, into yokuqala ekufuneka siyijonge ngu Ibhendi yesilivere kwicala lasekunene lebhili; Ukuba eli qela lilahlekile, ibhilikhwe ngokuqinisekileyo iyinyani. Nangona kunjalo, ukuba le mali ineribhoni yesilivere kuya kufuneka ujonge oku kulandelayo, kule ribbon zombini ixabiso lebhokisi yemali efanayo kunye nophawu lwe-euro kufuneka luvele, ngendlela efanayo ekufuneka ihologram yaseYurophu ivele, ngubani umntu wasentsomini.
• Ukuba uyazama qinisekisa itikiti elitsha of 5 euro kufuneka uthathe ingqalelo ukuba kukho enye indlela yokuchonga. Kule mali engamaphepha, umzobo okwinxalenye esezantsi yasekhohlo kufuneka wenziwe ngethoni eqaqambileyo, le thoni ivumela inani ukuba libe nombala wentsimbi oguqukayo phakathi kwemithunzi ye-emerald eluhlaza kunye neblowu emnyama.
Ezi zichongwe njengezona ziphambili imiqondiso yokunyaniseka kweyuro enyeNangona kunjalo, kufuneka kuthathelwe ingqalelo ukuba amaphepha ebhanki angala mahlelo amatsha afakiwe kunye netekhnoloji yakutshanje ekhoyo ngokokhuseleko.
Zintoni ezi teknoloji kwaye siza kubachonga njani?
Into yokuqala ekufuneka siyiphonononge ukusukela ngoku kukuba kwifayile ye imali engamaphepha ngaphambili Imigca emifutshane ephakanyisiweyo ibandakanyiwe kwingingqi ehambelana nakwimiphetho yasekhohlo nasekunene; Injongo olwaqhutywa ngayo olu phawu lutsha lokhuseleko kukukwazi ukuqinisekisa ukuba nabo banengxaki yohlobo oluthile lokungaboni kakuhle banokuzichonga ezi mali.
Omnye we Iindaba zokuba ezi bhanki zibandakanya kukuba kwisithuba sebhanki esikwicala lasekhohlo le-banknote kukho i-watermark evela ngefestile, kunye nexabiso lebhanki, kunye nomfanekiso wesimo seentsomi; Le watermark yeyona sinokuyibona ngokuchasene nokukhanya.
Olunye utshintsho olunokubonakala kukuba intambo yokhuseleko ebhankini apho igama le-euro livela ngoku kuphela uphawu lwe-euro oluvela. Oku kutshintshiwe ukuze kwenziwe ngokukhawuleza okukhulu kwaye kube lula ukufumanisa uphawu lokhuseleko; ukongeza kwinto yokuba onke amatyala enkohliso enziwe ngaphambi kolu phuculo anegama le-euro kuphela, ke yimithetho esayilwayo engasetyenziswanga, ukuba sijonga imiqondiso yokhuseleko.
Ukubhalwa kwembali kunye nemvakalelo ebengezelayo enikezela ukubonakaliswa kwesinyithi kwinani lephepha lemali yenza ukubonakala kwayo kwi-10 yebhanki, njengakwibhanki engange-5 euro.
Yonke imibuzo ehlalutywe apha ine- Injongo yokukwazi ukuchonga imali engamaphepha yomgunyathi ukuze singabi ngamaxhoba ezi mpazamo; Ngaphandle koku, kunokwenzeka ukuba sibuthandabuze ubunyani bebhanki. Ukuba le yimeko yethu, singaya kuncedo lweziko lezemali ukuze sikwazi ukucacisa ukuba imali engamaphepha esiyithandabuzayo yeyokuqala okanye ngumgunyathi.
Ingcebiso esebenzayo kakhulu xa sizifumana sikwimeko apho ingasiniki zona Ixesha lokuqinisekisa ubunyani bebhanki Kukuba sizisekele kumnxeba ngendlela efanelekileyo nesheshayo; Ngale ndlela asisayi kuba nayo imfuneko yokubeka ityala ngokuchasene nokukhanya okanye ukuliguqula, kungoko singayithatha kuphela ibhilikhwe, siyive, kwaye ukuba sifumanisa impazamo xa siyichukumisa sinokuthi, ukuba sithathe isigqibo, siyala Umthetho oyilwayo okanye singathatha ixesha ukuze sikwazi ukuqinisekisa ezinye iimpawu zokhuseleko.
I-Dilma evela xa sichonga a ityala eliyinkohliso ngaphandle kwexesha kunokuba kukulusebenzisa okanye akunjalo, apha kubaluleke kakhulu ukuba ukunceda ukwenza inkohliso kungasachaphazeli abantu abaninzi, sisusa imali yebhanki kwi-circulation, oko kukuthi, asisayisebenzisi. Ngale ndlela sinokuthi sincede la matyala aphume ekuhanjisweni.
Ngoku, ukuba sineshishini lethu, kwaye ngenxa yoku sikhathazekile ngokuba nenkqubo yokulawula isazisi sebhanki Kulula, kunokwenzeka ukuba sisebenzise ezinye izixhobo ezichonga ukuba zeziphi izinto zomgunyathi kwaye zezokuqala, ngale ndlela siya kuthintela ilahleko ezininzi kwaye siyakuphepha ukuchitha ixesha elininzi sijonga enye yeebhili. Kufuneka kuqatshelwe ukuba ukuze sikwazi ukuqinisekisa ukuba isixhobo sisebenza ngokufanelekileyo, kuya kufuneka ukuba siqinisekise ukuba zeziphi iinkqubo ezisemgangathweni ukuze sichonge imali engamaphepha, kwaye sihlalutye ukuba zisebenza njani na ezi nkqubo.
Ukuchonga amatyala omgunyathi Phambi kokuba zisasazeke, ziya kubathintela ukuba bangasichaphazeli thina nabanye abantu.