Enye yezingozi ezinkulu kakhulu ezibandakanyeka ekutshalweni kwezimali ezimakethe ezingenayo ukuthi kungenzeka ukuthi usesimweni sesikweletu. Okusho ukuthi, ungakwazi khiqiza inkinga engaphezu kweyodwa ngesikhathi sokubhekana nokusebenza futhi inqobo nje uma ungavali izikhundla ngokuqinisekile. Lokhu kuvame ukwenzeka kaningi phakathi kwabatshalizimali abancane nabaphakathi. Ikakhulu, ukubhekana nezimo lapho udinga khona imali ethile kwi-akhawunti yakho yokonga ukwenza noma yiluphi uhlobo lokukhokha kubantu besithathu.
Esinye isimo okufanele usigweme kusukela manje ukuqasha ulayini wokuqhuba ukuze utshale izimali ezimakethe zezimali. Awukwazi ukukhohlwa ukuthi kuzofanele ukhokhe inzalo yokuthi ezimweni eziningi ibe ngaphezu kwamazinga ayi-7%. Kuzokwengezwa lapho okungenzeka khona amakhomishini nezindleko ekuphathweni nasekugcinweni kwawo. Futhi lokho kungaholela ekutheni isabelomali sakho sikhuphuke size sifike ku-3% yale mibono kunani elifunwayo. Ingozi engafanele ukuthatha nganoma iyiphi indlela.
Kulesi simo esivamile, okunye okubaluleke kakhulu kuzoba ukuthi awunaso isikweletu esikhathazayo ngenxa yokusebenza kwakho emakethe yamasheya. Kumele yazi imali onayo yalesi sigaba sokusebenza ezimakethe zezezimali. Ngenhloso yokungasebenzisi imali oyiholayo njalo ngenyanga ayikuvumeli. Ukuze ngale ndlela, uzivumelanise nalokho ongakukhipha ngempela ngaphandle kokwenza isikweletu ebesingadingeki ngokuphelele. Ngoba uma ungakwazi, iseluleko esihle kakhulu ukuthi ungatshali imali lapho ubhekene nalokho okungenzeka ezimakethe zezimali. Kulula kanjalo.
Ukungatshali imali kuyo yonke imali oyongile
Ukhiye wokuqala wokungenzi amaphutha kuzoba ukubala ukuthi iyini imali yakho etholakalayo bese unikela ngengxenye yayo kuphela ekutshalweni kwemali. Ukuze ngale ndlela, ube sesimweni sokucabanga zonke izindleko ozoba nazo kusukela ngaleso sikhathi kuqhubeke. Phakathi kwazo, ukukhokhwa kwezikweletu zasendlini, imali yakho yesikweletu, izidingo zezokwelapha nanoma yikuphi okunye okungavela nganoma yisiphi isikhathi. Ngakolunye uhlangothi, kufanele futhi lindela izindleko ezingalindelekile lokho kungavela kunoma yiziphi izinyanga ezizayo. Kufanele ube nesigqiki esikusiza ukuthi uvikele ezimeni ezingafuneki kakhulu lapho utshale izimali ozozenza ezimakethe zezimali.
Yenza imisebenzi emincane
Ukutshala imali yakho ezimakethe zezimali akudingeki ukwenze ukuthengiselana kwenani elikhulu. Ngoba njengoba zifuna kakhulu, kuzokwanda ukulahleka okungenzeka kwalokhu kuhamba kwesitoko. Kwanele ukuthi wenelise izidingo zakho zokutshala imali ukuze ungangeni ezikweletini ezingaphezu kwesidingo. Ungakhohlwa kusukela manje kuqhubeke futhi kuzokusiza futhi ukuthi ugweme ukumangala okungafanele okwenzeka ngezikhathi ezithile kwi-akhawunti yakho yokonga. Ngakolunye uhlangothi, akudingeki ube nolaka olukhulu lapho uthatha izikhundla kwezinye zezimakethe zezezimali.
Hlela yonke imali oyitholayo
Lelisu lizobaluleka ekusebenziseni imakethe yamasheya ngokuthula okukhulu kwengqondo. Ikakhulu, ekusebenzeni okwenziwe esikhathini esimaphakathi nesikhathi eside. Ngale ndlela, kufanele ube nemali engenayo engaguquki njalo ngenyanga. Kungaba yimali engenayo evela emsebenzini noma umphumela wolunye uhlobo lotshalo-mali, olufana ne- Inkokhelo yezabelo ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Ukuthi izokuvumela ukuthi ugweme ukusebenza okungalungile ezimakethe zamasheya ngenxa yesidingo semali ku-akhawunti yakho yokonga ukukhokha izindleko zakho ezidingeka kakhulu.
Khetha amanani kahle kakhulu
Ukukhetha okuhle ezimakethe zezezimali, akungabazeki ukuthi kuzoba yisikhali esibaluleke kakhulu ukugwema ukungena esikweletini emakethe yamasheya. Phakathi kwezinye izizathu ngoba ungahlala njalo thengisa izinzuzo ezinkulu othola kwimisebenzi oyithuthukisayo kusukela manje kuqhubeke. Ngenkathi ngakolunye uhlangothi, kuyindlela efaneleke kakhulu yokwakha isikhwama sokonga esizinzile esikhathini esimaphakathi nesikhathi eside. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Ngaphezu kwalokho, ungomunye wemithetho yegolide yokwandisa ukusebenza ezimakethe zezimali.
Ukusebenza kwesikhashana
Isixazululo esihle kakhulu sokungakhuphuleli izinga lakho lesikweletu siseqinisweni lokwakha imisebenzi kuhloswe esikhathini esifushane. Ngale ndlela, cishe ngaso sonke isikhathi uzoba nesikweletu ku-akhawunti yakho yokonga. Noma ngabe imisebenzi mihle noma mibi, kunalokho. Hhayi ize, uzoba sesimweni esiphelele sokukhokhela zonke izidingo okufanele ubhekane nazo nganoma yisiphi isikhathi. Ngakolunye uhlangothi, leli su lokutshala imali likusiza ukuthi uguquguquke ebudlelwaneni bakho nezimakethe zezimali. Ngaphandle kokuthi wenze ukuthengisa okuphoqelelwe lapho ungalahlekelwa khona ama-euro amaningi endleleni.
Zibekele imigomo
Uma usebenzisa leli elinye isu lokutshala imali, akungabazeki ukuthi uzovimbela izimo ezingafuneki ukuthi zifike ngezintshisekelo zakho. Ngenkathi ngakolunye uhlangothi, kuyindlela ephumelela kakhulu yokulawula konke ukunyakaza okuku-akhawunti yakho yasebhange nalapho ungahlela khona ukuthi uzowathengisa nini amasheya. Uma kungenzeka ngenzuzo yemali esitatimendeni semali engenayo futhi ungayandisa imali yakho oyitshalile kancane kancane. Kubaluleke kakhulu ukuthi ukugcine engqondweni ukuze ungangeni ezikweletini ezeqile. Ukuba nezinhloso zokuzuza nokungathathwa yi-inertia yezimakethe zezimali. Kungale ndlela kuphela lapho uzokwazi khona ukukhawulela imiphumela engadingeki yokuhweba emakethe yamasheya.
Namathela kwisabelomali sakho
Akungabazeki ukuthi lena ngenye yezindlela zokutshala imali ezingakunika impumelelo enkulu kusukela manje ukuze Izinombolo ezibomvu ayifakiwe esitatimendeni sakho semali engenayo. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe bemakethe yamasheya futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Hhayi ize, ngeke ikwenze ucabange ukusebenza ongeke ukwazi ukubhekana namanani ayo ngakho-ke kufanele usebenzise umugqa wesikweletu ukuwenza nganoma yisiphi isikhathi. Lesi ngesinye sezimbangela zokuthi ekugcineni ukweleta imali ethe xaxa ukuxazulula ukusebenza okwenziwe ezimakethe zezimali. Kuqhutshwa kunoma yimaphi amasu ekuphathweni kokunyakaza okwenziwe ezimakethe zamasheya.
Sebenzisa amathuba okuthenga
Izisetshenziswa zikhona ngamanani, kepha ngokuqinisekile zivela ngezikhathi ezithile. Ukube le bekuyi-tonic evelele ku imigqa Bonke abatshalizimali bazoba nenzuzo enkulu yemali. Okwenzekayo ukuthi kunzima kakhulu ukuzibona. Abatshalizimali abaningi bakholelwa ukuthi ukuphepha okungabizi kakhulu ngamathuba amahle okuthenga. Iphutha elibi, ngoba lokhu akufani namathuba okuthenga, kepha kunalokho badayisa ngaleyo ntengo ngezizathu eziningi Futhi, kuyintengo okushiwo yimakethe, kungabi ngaphezulu noma ngaphansi.
Amathuba ngokunembile lapho isitokwe sehle ngentengo ngaphandle kwesizathu noma ngenxa yokukhohlisa kwe wabathengi ukuthi ngenxa yezizathu ezahlukahlukene liphushela inani phansi ukuze lithenge kamuva ngentengo eshibhile. Imvamisa kwenzeka ngamasheya amancane naphakathi ne-cap futhi, nawo anayo imali encane. Kukuzo lezo zikhathi eziqondile lapho kungenziwa khona imisebenzi yokuthenga engasiza kakhulu izintshisekelo zabatshalizimali ngoba bacashunwe ngezaphulelo ezinkulu kulokho inani lentengo okufanele libe yilo.
Izaphulelo ekusebenzeni
Ekugcineni, elinye lamasu azokusiza ukuhlangabezana nalezi zinhloso eziphakanyisiwe kule ndatshana, iqiniso lokukhawulela noma lokunciphisa izindleko zokuthenga nokuthengisa imisebenzi emakethe yamasheya. Ungasizakala ngamaphromoshini nokunikezwa amabhange abekade ethuthukisa ukwehlisa kwabo amakhomishini nezindleko ekuphathweni nasekunakekelweni yemisebenzi eyenziwa ezimakethe zezimali. Ukufika lapho ungonga khona phakathi kuka-20% no-40% wezindleko eziphelele zomsebenzi. Ngaphandle kokwenza umzamo omncane ukuze unyaka nonyaka ibhalansi ye-akhawunti yakho yokonga ibe nempilo enhle kuneminye iminyaka.
Ukuqaliswa kwalolu hlelo lokonga ngeke kuthinte lokho okutshalwayo uqobo, kepha kuzothinta izindleko zakho kuphela. Lokho wukuthi, kuzokubiza imali encane ukuyithuthukisa kunoma yiziphi izimakethe zezezimali. Ngale ndlela, ungakwandisa ukusebenza ngendlela elula nephumelelayo yokufeza izinhloso zakho zokutshala imali. Ngaphandle kokushintsha uhlelo lokukhethwa kwamanani wemakethe yamasheya. Okungukuphela kosuku ukuthi imayelana nani.