Kunezifiso eziningi zokuthi abatshalizimali abancane nabaphakathi, njengakwenu, ukuthi Amakhosi Amathathu awafeze kulo nyaka omusha osanda kuqala ngezipho zawo. Ngemuva kwe- ukuzivocavoca okugcwele ukungaqiniseki nokuthi bekungagculisi neze ngezintshisekelo zabo. Akumangazi ukuthi abakaze bazuze izimbuyiselo ababezilindele eminyakeni eyishumi nambili eyedlule. Manje kusele ukwazi ukuthi ngabe lezi zinhlamvu zangempela zizohlangabezana yini nalesi sidingo sezinkulungwane nezinkulungwane zabasindisi.
Njengoba kuqala unyaka omusha, vuselela ukukhohlisa. Futhi bekungahluka kanjani, futhi nasemhlabeni wemali futhi ikakhulukazi kutshalomali. Ngeke kube yisikhathi esilula kuwo wonke umuntu, esiningi ukungabaza ezimakethe zezimali. Kepha ngokuthakazelelwa okuncane yizithunywa zangempela, isikhundla somtshalizimali singaqiniswa. Kunoma ikuphi, kunesikhathi eside esizoqhubeka ukukhombisa ukuthi lezi zifiso zizofezeka yini.
Lo nyaka uzosikisela ikakhulukazi ngenxa yemicimbi eminingi engenzeka kusuka manje. Kusuka kwezomnotho kuphela kuya kulabo abanezincazelo zomphakathi nezepolitiki. Vele, ngeke iswele lutho. Futhi uma ungumtshali-zimali ovela njalo imizwa enamandla kakhulu ikulindile ezinyangeni ezimbalwa ezizayo. Kuzo zonke izinhlobo nangemvelo ehlukahlukene. Ngamafuphi, ikhethini liyavula kulokho okuzoba umsebenzi omusha wemakethe yamasheya. Ingabe usukulungele ukukuthatha ngezimo ezinhle kakhulu?
Izipho: ukugcina izinhlobo
Isicelo esingeke siswele encwadini eya kumaMagi kuzoba ukugcinwa kwamanani wenzalo endaweni ye-euro. Futhi lokho sekuholele ekwehlisweni kwentengo yemali. Akumangalisi ukuthi okwamanje kusezingeni eliphansi lomlando, ku-0%. Okusho ukuthi, intengo yemali ayifanele lutho okwamanje. Isilinganiso esibe sihle kakhulu kubo bonke abatshalizimali. Futhi indlela engcono yokubuka izibalo ezingabanjwa ukuthi amanani ahlale ephansi kulezi zingqinamba. Izimakethe zizoyithokozela, mhlawumbe ngokwanda okusakazekile ezimakethe zokulingana zezwekazi elidala.
Leli qhinga lezimali kungaba izinhlamvu ezinhle kakhulu zomthelela omusha kukho konke ukushintshana. Kungenxa yalesi sizathu, isifiso sokuthi abatshalizimali abancane kakhulu ababuza ngokuqina okukhulu. Izibikezelo, ngakolunye uhlangothi, zikhomba ukuthi lokhu kuzoba njalo. Okungenani ngesikhathi semester yokuqala yonyaka. Okwamanje, amasiginali owanikezayo avela e-European Central Bank (ECB) aya ngale ndlela. Azikho izimanga ezinkulu ezilindelekile ezingabamba abatshalizimali abangaphezu koyedwa ngonyawo olungalungile.
Enye indlela engakhuphula izimakethe zamasheya kulesi sikhathi yile ukugcinwa kwempahla lokho kujovwa yizinhlaka zemali ze-European Union. Akumangalisi ukuthi ngesinye sezici ezibalulekile zokukhuphuka okusha okuya phezulu ezimakethe zamasheya zale ndawo. Ngalo mqondo, uMongameli we-ECB usevele ephawule ukuthi kusukela ngo-Ephreli lolu sizo ezimakethe lungaphela. Vele, bekungeke kube yizindaba ezinhle kuzintshisekelo zakho zokutshala imali. Yize lolu shintsho kumkhuba lusazoqinisekiswa.
Ukushayela ukukhula komhlaba jikelele
Vele, ukuze amabhizinisi akhombise ukuthambekela okuhle kulesi sikhathi, kudingekile impela ukuze ukukhula komnotho wamazwe omhlaba kuthuthuke ngamathemba angcono kunamanje. Kungaba izindaba ezingcono kakhulu izazi ezingakulethela zona. Vele, amathemba ekuqaleni konyaka awawona amahle kakhulu. Kepha lokhu kungashintsha ngemicimbi emisha enganyuswa inyanga nenyanga kusukela manje kuqhubeke.
Kuze kube manje, izibikezelo zezinhlangano eziphambili zamazwe omhlaba azikho kahle ngokuphelele. Ngokubuyekezwa okuya phansi okuncane lokho akunikezi ithemba elikhulu kubatshalizimali abancane. Kunoma ikuphi, kungenye yezimfuno ezingafanele ukuthi zintuleke ezifisweni zakho kuMagi. Kuhlala kuphela kube kukhulu futhi kunganelisa lesi sidingo esikhetheke kakhulu osicelile kubo. Futhi uma kugcwaliswa ngezinye izifiso, kuzoba ngcono ngezintshisekelo zakho. Ngoba kuzobusiza kakhulu ubudlelwano bakho nemakethe yamasheya.
Kumele ukhumbule ukuthi emkhakheni wemakethe yamasheya kubaluleke kakhulu ukuthi kube khona ukukhula komnotho. Bangabahlanganyeli abahle kakhulu ngokwezinhloso zabo. Kuzoba nokuningi ukubona ukuthi yini i- ukusatshalaliswa ngezindawo ukuqina kwala mazinga ekukhuleni komnotho. Akufani ezweni elinesisindo esikhulu esithile njengeJalimane noma emazweni angabalulekanga kangako kumongo wamazwe omhlaba.
Ukubuyiselwa ngentengo kawoyela
Ukunyusa intengo yalokhu okubalulekile okusetshenzisiwe nakho kuzokwamukelwa kahle yibo bonke abatshalizimali abancane nabaphakathi. Phakathi kwezinye izinto ngoba kuzothinta ukusebenza kahle kwemakethe yamasheya ngalesi sikhathi. Ikakhulukazi ngochungechunge lwamanani angahlomula ku- ukwanda kwentengo kawoyela ongahluziwe. Hhayi izinkampani zikawoyela kuphela, kepha nezinkampani zamabhayisikili ezixhumene nokukhula komnotho. Ngethuba lokuthola imbuyiselo yokonga ephawuleka kakhulu.
Lesi simo kungenzeka kakhulu senzeke ngonyaka wezi-2017. Izivumelwano ezingaphakathi kweNhlangano Yamazwe Athekelisa Uphethiloli (OPEC) zihamba ngale ndlela. Akunakuphikwa ukuthi intengo yomgqomo kungenzeka ukunqoba isithiyo esibalulekile se- $ 70. Yize ukushintshisana ngakho kuzokubiza kakhulu kusuka manje ngentengo kaphethiloli njalo lapho uya ukufaka uphethiloli emotweni yakho. Kuzoba yintengo okufanele uyikhokhe ukuze inzuzo enkulu yenzeke kwizimali emhlabeni jikelele.
Konke lokhu, onyakeni ofana nowedlule lapho intengo yehle khona ezimakethe zezezimali. Impela ngesinye sezimbangela ezinkulu zokuthi kungani izimakethe zamasheya emhlabeni wonke ziye zaba nokuziphatha okungaphezu kokungaqondakali kulezi zinyanga. Ukuphelelwa yithemba kwakho ngezikhathi ezithile ezithile ngesikhathi esithile sokuzivocavoca. Futhi, igolide elimnyama lizoba ngomunye wabalingisi abakhulu kusuka manje. Ngokuqiniseka ukuthi uzocela amakhosi aseMpumalanga ukuthi lezi zimakethe zezimali zingakuphoxi.
Ukuzola okukhulu kwezenhlalo
Yize kungeyona into eguquguqukayo kwezomnotho, akungabazeki ukuthi izophinde ibe nomthelela ezimakethe zezezimali. Futhi mhlawumbe kulo nyaka kunanini ngaphambili. I- usongo lokuhlaselwa kwamaSulumane ezweni lasentshonalanga kuyisongo esicacile kwimpahla yezezimali. Cishe ngaphandle kokukhetha. Ngethuba lokuthi bangakwazi ukukhiqiza ukuwa okukhulu kuzo zonke izindawo zomhlaba. Ngeke ube nokhetho ngaphandle kokulalela kakhulu okungenzeka maqondana nalokhu kuguquguquka okungaphandle komhlaba wezomnotho.
Enye into engaphazamisa ukuvela kwezimakethe zezimali imiphumela eminingi yokhetho ezokhiqizwa kusuka kule nyanga kaJanuwari. Uhlu lwamazwe ane ukuqokwa okhethweni cishe ayinakuphela. IFrance, iJalimane, i-Italiya, iHolland ne-Austria kuzoba ngezinye zazo. Futhi okungenzeka eSpain, futhi lokho kungasho into eyodwa yokungaqiniseki emakethe yamasheya yaseSpain. Vele, lezi zindaba bezingeke zamukelwe kahle. Hhayi ngezimakethe, noma ngabatshalizimali uqobo.
Ukuzinza okwengeziwe ngezimali
Le mpahla ebalulekile yezezimali ingenye yezinto ezinganquma ukuvela kwamasheya ngonyaka we-2017. Ikakhulukazi ngemuva kokufika kukamongameli wase-United States of Donald Trump. Ukubuyekeza kwakho kobudlelwano bamazwe omhlaba kungaholela ekushintshashintsheni okukhulu ezimali ezinkulu zamazwe omhlaba. Ngeke kube izindaba ezinhle ezithakazelweni zakho njengomtshali-zimali futhi.
Kuzofanele usethe ama-alamu kwezinye zezimali. Phakathi kwabo idola laseMelika, i-euro ne-yen yaseJapan. Akungabazeki ukuthi kuzoba ngenye yezimakethe zezimali ezingalindelekile zalesi sikhathi esisha esisanda kuqala. Kulindelwe imizwa enamandla futhi ongazisebenzisa kuyo uma ukhombisa ukushesha emisebenzini oyivulayo kule mpahla yezezimali. Kunoma ikuphi, kunabatshalizimali abaningi abazobheka izinto zabo kule makethe enamandla.
Kungaze kunqume ukuvela kwezimakethe zamasheya zomhlaba wonke kusuka manje. Ukufika ezingeni lokuthi kuzoba lula kakhulu ukuthi eminye yemikhiqizo yezimali ongayithola ingafakwa kwizimali. Ngokuqondene, izimali zokutshala izimali. Kuzoba yindlela ewusizo kakhulu kuwe ukuvikela imali oyongile kusukela manje kuze kube sekupheleni konyaka.
Njengoba Amakhosi Amathathu egcwalisa ezinye zezifiso zakho, uzobe usudluliselwe kulokhu kudingwa okukhethekile. Kuphela ngokuhamba kwamasonto lapho uyothola khona impendulo kulezi zidingo ozivezile ngale ncwadi egcwele izinhloso nokukhohlisa. Kuzoba unyaka ongalingani kakhulu lapho kuzodingeka usebenzise wonke ama- amathuba ebhizinisi lokho kwethulwe kuwe. Kunoma ikuphi, inkohliso yinto ongeke uyidinge ukukhulisa ukusebenza kwakho kunoma yiziphi izimakethe zezezimali lapho uvula khona ukunyakaza kwakho. Unezinyanga eziyishumi nambili ezizayo okuzojabulisa kakhulu kusuka manje.