Elinye lamasu angcono kakhulu okwenza noma yiluphi uhlobo lotshalo-mali ukukubeka ngaphansi kwezimo zokuguquguquka. Lesi yisici esithuthukisa kakhulu imisebenzi yabatshalizimali. Ngenxa yemiphumela emibili eyenziwe ukusetshenziswa kwale modeli ehlala ihamba ngokusebenza kahle okukhulu ize ifike eqophelweni lokukhuthaza ukutshalwa kwezimali kunenzuzo enkulu kakhulu kunakuqala. Le yinto ongazizwela ngayo kusukela manje kuqhubeke, hhayi kuphela ezimakethe zamasheya kepha ngokuhlukile kunoma yiluphi uhlobo lwemakethe yezezimali, kubandakanya nalabo abanemali engaguquki.
Imiphumela edalwe ukuguquguquka kokutshalwa kwezimali inezici eziphindwe kabili ezibonakaliswa kuzenzo zakho zomuntu siqu. Ngakolunye uhlangothi, nge-appreciable imali ebuyisiwe ekongeni, njalo ngaphezulu kokusebenzisa amanye amasu wokutshalwa kwezimali ajwayelekile noma ajwayelekile. Ngakolunye uhlangothi, futhi akubalulekanga kangako, ngokuvikelwa kwempahla yakho siqu noma yomndeni. Ukufika ezingeni lokuthi uzokwazi ukufinyelela ezinhlosweni zakho ozifisa kakhulu ezimakethe zezezimali.
Akungabazeki, uchungechunge lwezincomo luzothatha isinqumo sokuhambisa ngempumelelo ekhethekile i ukuphathwa kwayo yonke imali oyongile eyenzelwe izimakethe zezezimali. Ngoba empeleni, ukuzivumelanisa nezimo kwenziwa ngendlela ehlukile yokubona, hhayi kuphela izimakethe zamasheya kodwa futhi nezinye futhi lapho lokho okubizwa ngokuthi ezinye izindlela kudlala indima efanelekile. Ngakho-ke kungumzuzu wokuthi ukwazi ukufinyelela kulokhu okuqukethwe futhi ngokungangabazeki kuzonikeza ukuguquguquka okukhulu kokusebenza kwakho kunoma yiluphi uhlobo lwezimakethe zezezimali.
Ukhiye wokuqala: ukwehlukahlukana
Impumelelo yokusebenza kwakho ngokungangabazeki izoncika ekwazini kwakho zihlukanise ngokunembile kusukela manje kuqhubeke. Hhayi kuphela kumasheya kepha futhi kusuka kumali engenayo engaguquki noma ngisho nakwezinye izinhlobo noma okungenani ngokujwayelekile okuncane. Lapho ongeke ube nenye inketho ngaphandle hambisa imali yakho etholakalayo phakathi kwemikhiqizo ekhethwe ngaso sonke isikhathi. Noma ngabe yikuphi lokhu kanye nezinga leengozi elihilelekile ekusebenzeni kwakho. Ukuze ngale ndlela, ukutshalwa kwemali kuvikelwe kangcono ezimeni eziyingozi kakhulu ezimakethe zezezimali.
Ukhiye wesibili: ukuvuthwa okufushane
Futhi awufuni okunye ukungajabuli otshalweni lwakho, isu elilungile kunazo zonke ngeke kube ukuqondisa utshalomali esikhathini esimaphakathi nesikhathi eside. Akumangalisi ukuthi ezikhathini ezimfushane zokuhlala uzoba namathuba amaningi woku lungisa amaphutha ozibophezele emakethe yamasheya noma kwezinye izimakethe zezezimali. Noma unenketho yokwenza ukudluliswa usuka komunye uye komunye umkhiqizo wezezimali. Akusizi ngalutho eminyakeni eminingi ebonakalayo ukuthi ungenza amaphutha angahle alinganise imali oyongile. Njengoba kwenzekile engxenyeni enhle yabatshalizimali abancane nabaphakathi, ikakhulukazi ngezikhathi zesiyaluyalu esivelele sezomnotho kanye nezepolitiki.
Ukhiye wesithathu: vula amathuba
Uma isifiso sakho kungukukhulisa inzuzo yotshalo-mali lwakho, akukho okunye ongakwenza ngaphandle kokuzwela emathubeni amasha ebhizinisi. Ngaphansi kwaleli qhaza akungabazeki ukuthi unyaka nonyaka uzothuthukisa umuzwa wokutshalwa kwakho kuzo zonke izindlela zokubuka. Kodwa-ke, kunconywa kakhulu ukuthi uvulele izindawo zokutshala imali ezingaba yinzuzo enkulu ngaphandle kokwazi kahle. Kusuka kulolu hlelo lokuzikhethela unga kuzuza imbuyiselo ngaphezu kwe-10%, yize kuyiqiniso futhi ukuthi ukuthatha izingozi eziningi ekuphenduleni kwakho ngakunye. Kepha ezimweni eziningi, ngomphumela omuhle kakhulu wezintshisekelo zakho. Kuyinto okufanele uyicabangele kunoma yiluphi uhlobo lwendlela. Vele, awukwazi ukuvala izimakethe zezezimali ezingakaxhashazwa abanye abatshalizimali abancane nabaphakathi.
Ukhiye wesine: ungagxili ezakhiweni
Elinye lamathiphu awusizo kunakho konke ukuthi uzivulele wena kwezinye izikhungo zezezimali ezingaphezu kwezikazwelonke. Kuyisu eliholela ekutheni uthole amathuba amasha ebhizinisi futhi usebenzise izikhathi zokuhlangana zomunye nomunye wabo. Ngoba kuzoba nesikhathi lapho ukukhuphuka kwezimakethe zezimali zikazwelonke sekuphelile. Yebo, lo kuzoba umzuzu ocacile ongaya kuwo sesha amafa amasha noma izimakethe zezimali. Ikakhulu, labo abanesimo esivusa amadlingozi ukuvula izikhundla ngezimo ezingcono kuzinkomba zabo. Ngale ndlela, uzobe ususa izingozi ezingaba khona ekusebenzeni okuvulekile.
Ukhiye wesihlanu: imikhiqizo enezimali
Uma ungafuni ukuba nezinkinga ezeqile ngokutshala kwakho imali, indlela engcono yokufeza lokhu ngokuthola inkontileka ngemikhiqizo yezimali enemali eningi. Lokhu ngokwenza kusho ukuthi ungakwazi phuma ezikhundleni zabo ngaphandle kwezinkinga ezeqile. Njengesibonelo, ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya ngoba noma nini uzokwazi ukuhlehlisa izikhundla ukuze ube nemali kwi-akhawunti yakho yokonga. Kunoma ikuphi, okungafanele ukwenze ukubhalisa amamodeli anokuvuthwa kwawo okude kakhulu futhi okungadala izehlakalo ezingaphezu kwesisodwa kuma-akhawunti akho. Ubhekene nesidingo sokubhekana nochungechunge lwezindleko emnothweni wakho wasekhaya.
Ukhiye wesithupha: ukuphathwa okusebenzayo
Akungabazeki ukuthi lolu hlobo lwecebo lokuphatha luzokusiza ukuthi uthuthukise inzuzo yakho ekutshalweni kwemali. Phakathi kwezinye izizathu, ngoba ungasebenzisa ngokunenzuzo izimo ezingezinhle kakhulu ezimakethe zezimali. Futhi awukwazi ukukhohlwa ukuthi kuzofanela vuselela iphothifoliyo yakho ngezikhathi ezithile ukuzivumelanisa nezimo ezintsha ezibekwe izimakethe zezimali. Kodwa-ke, akuyona yonke imikhiqizo yezezimali enikeza lokhu kusebenza futhi ngale ndlela izimali zokutshalwa kwezimali zingesinye sezibonelo ezimele kakhulu zokuphathwa okusebenzayo okufanele kube yikho. Isigaba sokutshala izimali eminyakeni yamuva nje esizuze ukubaluleka okukhulu phakathi kwabatshalizimali abancane nabaphakathi.
Ukhiye wesikhombisa: hlanganisa imali
Vele, ukuphumelela kokusebenza kwakho kuzovela ekusetshenzisweni kwaleli qhinga nangaphezulu kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusuka kumbono oyisisekelo. Lokhu kusho ukuthi akufanele utshale imali yakho kuphela kwizimali. Uma kungenjalo, kunalokho, kufanele uyixube nezimpahla ezivela emholweni ongaguquki. Ukuze ngale ndlela, ukwazi nciphisa ukulahleka okungenzeka zezimo ezingezinhle kakhulu kunoma iyiphi imakethe yezezimali. Uma ulandela lesi seluleko, akungabazeki ukuthi kusukela manje izinto zizokulungela. Phakathi kwezinye izizathu, ngoba uzothatha izingozi ezimbalwa ekusebenzeni, noma ngabe ezinye zazo zizokwenza kabi kakhulu kunalokho obekulindelekile.
Ukhiye wesishiyagalombili: ungafuni kakhulu
Uma ufuna ukuphumelela emkhakheni wokutshala imali, akufanele uzibekele imigomo ekude kakhulu neqiniso futhi engakhungathekisa okulindelwe njengomtshali-zimali. Kungcono kakhulu ukuthi uzibekele imigomo efinyeleleka kakhulu noma ngabe ayinolaka kangako. Vele, akudingekile ukuthi uzuze imbuyiselo ngaphezu kwamathuba akho njengoba lesi simo singavamile ukugcwaliseka. Izithelo ezincane ziyancomeka kepha kungaba umshuwalense. Ngisho nokwazi ukuthi kumikhiqizo yamasheya, izimbuyiselo zotshalo-mali akuvamile ukuthi ziqinisekiswe. Esinye sezibonelo ezimbalwa simelwe ngezimali ezibizwa ngokuqinisekisiwe zokutshala imali. Ngakolunye uhlangothi ngezabelo ezisatshalaliswa yizinkampani ezibalwe ezimakethe zamasheya. Ngezimbuyiselo zonyaka nezingaguquki ezingaphezu kuka-5%.
Ukhiye wesishiyagalolunye: gwema ukuguquguquka
Uma ukwazi, kufanele uhlale kude nemikhiqizo yezimali eguquguquka kakhulu. Ababona abangane abahle bokuhamba ngamaphrofayili athile kubatshalizimali abancane nabaphakathi. Akumangalisi ukuthi zingaba nomthelela omkhulu ngoba ziyakwazi ngikuse ekulahlekelweni ukuze uxazulule esitatimendeni seholo lakho. Ngakolunye uhlangothi, kufanele ube nokufunda okukhulu ukuze usebenze nalesi sigaba semikhiqizo yezezimali. Lapho ubungozi bukhulu kakhulu futhi kufanele ufunde ukuhlala nabo. Akusona isixazululo sokufuna imbuyiselo enhle emakethe, kepha kunalokho okuphambene nalokho.
Ukhiye weshumi: bhalisa okuxubile
Uma ungafuni ukwenza impilo yakho ibe yinkimbinkimbi ekutshalweni kwemali, elinye lamasu angcono kakhulu lincike ekwenzeni ngokusemthethweni lokho okubizwa ngemikhiqizo exubile. Leyo hlanganisa imali engenayo engaguquki nokuhlukahluka nokuthi banemiphumela egculisa kakhulu yezintshisekelo zakho. Kulesi simo, kuyacaca ukuthi izimali zokutshala imali zingenye yezimele. Kepha kukhona nezinye ezingaziwa kakhulu, njengamadiphozithi axhunyaniswe nezimpahla ezithile zezezimali (ukuthenga nokuthengisa amasheya, izinsimbi eziyigugu, izinto zokusetshenziswa, njll.).
Futhi ekugcineni, kufanele ufunde ukuthi ungatatazeli ezimeni ezingezinhle neze zezintshisekelo zakho. Ngoba ukube bekunje, ubuzophoqeleka ukuvala imisebenzi yokukhubazeka esitatimendeni semali engenayo. Ngokwezinga elithile, kufanele wazi ukuthi noma iyiphi impahla yezezimali ishintsha entengo nsuku zonke futhi kunezikhathi lapho izinto zingonakala zimbi kakhulu. Ngeke ube nokhetho ngaphandle kokucabanga ngalezi zimo ngokuzola.