Esinye sezikhalazo ezinkulu zamakhasimende maqondana nobudlelwano bawo nezinhlangano zebhange sisuselwa kuzindleko eziningi okubandakanya imikhiqizo enenkontileka, noma ngabe ziyini (ama-akhawunti okonga, imali mboleko noma izimalimboleko zomuntu siqu, amakhadi esikweletu noma asebhange, okufakwa, ukuthengwa nokuthengiswa kwamasheya, njll. .). Ezimweni eziningi kuzodingeka uthathe izindleko ezingaphezu kokukhushulwe ekuqaleni, ngisho nasemiklamweni yokonga. Futhi nokuthi uke wahlala kumuntu wokuqala izikhathi ezingaphezu kwesisodwa. Bangakwazi ngisho hlanganisa kahle isabelomali sakho sasekhaya ngesikhathi esithile esithile.
Lezi akuzona izimo ezimnandi kakhulu, futhi okufanele ubalekele kuzo ukukhuthaza ukonga ngemikhiqizo yasebhange oyenze yaba semthethweni, noma usesimweni sokusayina ezinyangeni ezizayo. Ngeke kube umsebenzi olula, neze. Kepha uyazi vikela izintshisekelo zakho njengeklayenti ukuthi uyikho, maduze uzofinyelela impumelelo oyifunayo. Kufinyelela ezingeni lokuthi ungazinikeza ngaphezulu kwesisodwa kusukela manje kuqhubeke. Ngabe ufuna ukwazi ukuthi kanjani? Manje siyakuchazela, ukuze ukwazi ukukusebenzisa ngaphandle kokulibala.
Ulwazi olufike ngesikhathi ngamalungelo onawo njengomsebenzisi webhange kungakusiza ukuthi uhlele futhi ulondoloze emnothweni wakho wasekhaya, futhi ungabhekani nezimali ezingalindelekile nganoma yimuphi umsebenzi webhange owenzayo. Futhi ngokusebenzisa i- ulwazi olunzulu kakhulu ngemikhiqizo yasebhange ukuthi uzobhalisa. Futhi ukuthi kuya ngalowo nalowo wabo, kuzodinga ukwelashwa okwehlukile ukuqonda izintshisekelo zabo, amakhomishini, izinhlawulo, noma ungazikhansela nganoma yisiphi isikhathi.
Imininingwane ngemithombo yezimali
Akungabazeki ukuthi ukuhlobana okukhulu kakhulu kuzothinta amakhredithi owaqashayo, noma ngabe anjani. Hhayi ngeze, ama-euro asengozini azoba maningi, lapho ukufunwa kwale mikhiqizo yasebhange kungafinyelela kuma-euro ayi-100.000, nangaphezulu ngezikhathi ezithile. Akufanele ushiye noma yini ukwenza ngcono, kepha ufuna ukuthola isimanga esingaphezu kwesisodwa esibi kusuka manje kuqhubeke.
I-Los amanani enzalo kuzoba yinto ebaluleke kakhulu ekulawuleni izindleko. Uzokwenza yazi uhlobo lwangempela oluzosebenza kuwe emisebenzini yakho yasebhange, nokuthi ezingxenyeni ezinhle zezikhathi ngeke kuhlangane ngalutho nalabo abamakwe ukukhangisa. Ngaphezu kwalokho, uzofaka phakathi kwezindleko, amakhomishini akhona kanye nezindleko ezisetshenziswayo, kanye namaphesenti awo ngqo. Zingasuselwa esifundweni sabo, ukuvulwa kanye nokukhanselwa kwangaphambi kwesikhathi, phakathi kwezinye izinto eziguqukayo. Ngisho nesijeziso obekufanele ubhekane naso uma ungathobeli izinkokhelo okuvunyelwene ngazo, futhi nangesikhathi esinqunyiwe.
Noma ikuphi ukubonakala kwalezi zinkokhelo kungakhuphula kakhulu izindleko ezizokhiqizwa ngokufunwa kwamakhredithi, kuze kufike ku- idlule kude inani elibhajethiwe. Ngaphambi kokusayina inkontileka, akukho okunye ongakwenza ngaphandle kokuchaza ukuthi uzokhokha ini ngempela, kuyadingeka futhi ukuthi ufunde ngokucophelela ukuphrinta okuhle kwenkontileka, futhi ugweme izinkinga ezizayo ngebhange noma umxhumanisi wezezimali.
Isexwayiso ngemikhiqizo ongayonga
Yize zingasebenzi kangako, futhi zidinga ukunakekelwa kwakho. Kukangaki umangele ukuthi abakukhokhelanga imali obucabanga ukuthi kufanele ibe yiyo? Ukuze lesi simo singenzeki kuwe kusukela manje kuqhubeke, uzophoqeleka ukuthi ukwenze lokhu hlaziya izici zale mikhiqizo yasebhange. Futhi lapho ungeke uphuthelwe yisilinganiso senzalo sokuqokwa esizosetshenziselwa ukukhokhela inzalo, isikhathi esizotholakala ngaso kanye nefomula noma izindlela ezisetshenziselwe ukubalwa kwayo. Ulwazi lwakho, ngakho-ke, luzoba yikhambi elingcono kakhulu lokugwema ukumangala ngomzuzu wokugcina.
Kuzodingeka futhi kuwe ukuthi uqoqe imininingwane efanele ngamanani wokushintshaniswa (kuleyo misebenzi yokuthengisa imali yakwamanye amazwe noma imali engamaphepha engaphandle enani layo elingadluli inani elithile emalini etholakele), ilusizo ikakhulukazi lapho kufanele uye phesheya , nganoma yisiphi isizathu. Uzokwazi ukonga ngaphezu kokucabanga kwakho.
Kunoma ikuphi, kungakuhle ukuthi wazi, lokho amabhange angabeka ngokukhululekile imali Bayakhokhisa ngokusebenza nangezinsizakalo, kepha noma kunjalo banesibopho sokukwazisa. Noma ikuphi ukwehluka okwenzekayo kumele kwaziswe iklayenti ngalinye, ngokuvamile ngencwadi. Futhi uma kwenzeka isigameko, uzohlala unethuba lokudlulisa isinqumo ngesicelo.
Esinye isici esihle semininingwane yakho ukuthi isikhungo sekhredithi sizophoqeleka ukuthi sinikeze idokhumenti esekelayo ekuhlawuleni ngakunye okwenzekayo (kungaba impahla, isikweletu noma enye insizakalo). Kule dokhumenti kuzofakwa imininingwane edingekayo ukuze iklayenti likwazi ukuqinisekisa ukukhokha okwenziwe futhi libale izindleko noma umkhiqizo wenetha osebenzayo. Kuzoba isitatimende lapho ukukhishwa kwemali okwenzayo, inzalo, amakhomishini, amanani ozowonga, njll.
Ukuqapha okukhulu ngemikhiqizo yokutshala imali
Uma kunesigaba lapho kubonakala khona izikhalazo zamakhasimende, lokho akuyona enye ngaphandle kokutshalwa kwezimali. Noma ukucacisa, kuziteshi abazisebenzisayo ukwenza ukonga kwabo kube nenzuzo, kungaba ngamanani noma imali engenayo engaguquki. Akumangalisi ukuthi kuningi okusengozini kubasebenzisi. Ngaphezu kwalokho, baphatha uchungechunge yezindleko ezihleliwe ezizohluka kumkhiqizo ngamunye onenkontileka. Futhi ukuthi ngezikhathi ezithile abazi ukuthi ngaso sonke isikhathi lapho bethatha izikhundla ezimakethe zezezimali.
Phakathi kwazo, okubaluleke kakhulu yilezo ezitholakala emisebenzini njengokuthengwa kwempahla yezimali noma ukwenza isivumelwano semikhiqizo yokutshalwa kwemali. Ukugwema noma iyiphi inkinga ngokukhokhwa kwemisebenzi eyenziwe, kufanele bathole imininingwane ngamanani ekhomishini yasebhange, izindleko ezingakhokhiswa kanye namazinga wokulinganisa esikhungo sezikweletu. Le mininingwane kumele ibhaliswe neBhange laseSpain futhi, ngakho-ke, ukufinyelela bonke abasebenzisi. Futhi kunoma yikuphi, ngeke bakwazi ukukukhokhisa imali ethe xaxa kunomthetho.
Lokho akusho ukuthi ngaphakathi kwemikhawulo yezentengiselwano yamabhange uqobo, anokukhululeka kwamanani awo, ngobukhona bokugcina. Ngalesi simo, akumangazi ukuthi ezinye izinhlangano zikhokhisa amakhomishini aphezulu kunamanye. Ngalesi sizathu, isenzo sakho kufanele sigxile ekubhekeni amanani ahlengahlengisiwe kakhulu, futhi lapho ungathola khona ukonga okukhulu kakhulu minyaka yonke. Ngisho nokusizakala ngokunikezwa okuningi nokukhushulwa okwenziwe ngamabhange ukukhuthaza imikhiqizo yawo yokutshala imali.
Ngaphandle kokukhohlwa noma nini ukuthi uma ubhalisela noma iyiphi imodeli ukwenza imali oyongile ikwazi ukwenza inzuzo, noma ngabe ithini, uzoba nochungechunge lwamalungelo, nokuthi isikhathi ngasinye lapho ephulwa ungawacela ngokusebenzisa iziteshi ezivunyelwe kule micimbi. Futhi kuphi Akufanele kuphuthelwe ukuthi amalungelo asiza zombili izinhlangothi (ibhizinisi nomsebenzisi) maqondana nokuguqulwa kwenzalo okuvunyelwene ngayo noma amakhomishini afakiwe kufanele aziswe abasebenzisi ngesaziso esanele ngaphambi kwesikhathi.
Through the Umbiko Wonyaka Wensizakalo Yezimangalo ukuthi iBhange laseSpain lishicilela njalo, ungabheka inani lezimangalo ezenziwe ngabasebenzisi bebhange, futhi ubone ukuthi kunabanye abantu abasesimweni esifanayo nawe. Uma lo mbiko osemthethweni ubuyekezwa ngokucophelela, uzofika esiphethweni sokuthi izinto ezifunwa kakhulu yilezo ezixhumene nokunikezwa kohlobo oluthile lwezezimali.
Amanye amathiphu wokuvikela amalungelo akho
Ayikho indlela engcono yokuvikela amalungelo akho njengomsebenzisi webhange kunokunikeza zonke izenzo zakho ngezinga eliphakeme lokubonisa okusobala ekusebenzeni. Kufanele ufune ukuthi bakunikeze imibhalo yolwazi ngemikhiqizo oyitholile. Futhi lapho kufanele ufunde khona nokuphrintiwe okuhle ukuze kungabikho mibandela ekuqashweni ehlala ingenakunyuswa. Njengoba mhlawumbe kuzoba yibo abanokulahlekelwa kakhulu kule nqubo engavulwa phakathi kwezinhlangothi zombili.
Ukuze ube noxolo ebuhlotsheni bakho nebhange, futhi okubaluleke kakhulu, ukuthi wazi ukuthi bazokukhokhisa imali eguqulwe kumithethonqubo yasebhange yamanje, ngeke ube nenye indlela ngaphandle kokunaka ezinye wamathiphu ayinhloko esikudalula kuwo kule ndatshana.
- Ngaphambi kokusayina noma yimuphi umkhiqizo ebhange, kuzodingeka ukuthi ufunde yonke imibandela yabo yokubhaliselwe, futhi kufanele ufune ukuthi bakunikeze ukuze ukwazi ukubheka ukuthi yimuphi umkhiqizo ozoqasha kuwo emahoreni ambalwa alandelayo.
- Uma noma yimiphi imibandela iguquka, kumazinga wenzalo, amakhomishini, izinhlawulo, imigomo yesikhathi esigcwele, njll., kuzofanele bakwazise ngokulindela okuthile ngencwadi. Lapho uzoveza khona imibandela emisha yomkhiqizo wasebhange.
- Buyekeza zonke izitatimende zasebhange ukuthi bakuthumele, ukubheka ukuthi kunephutha yini, noma ukwehluleka ukuthi kube khona ushintsho ezimweni obuzisayine phambilini.
- Ukonga izindleko, amabhange angeke esakuthumela imininingwane yokuhamba kwakho okuyinhloko. Uma kunjalo, kuzofanele uyihlole kusuka kukhompyutha Ngokusebenzisa ikhodi yokufinyelela ozoyinikezwa ivela enkampanini.
- Uma kwenzeka unganelisekile nganoma yikuphi ukunyakaza kuma-akhawunti akho wokuhlola, ngeke ube nesinye isixazululo ngaphandle kwalokho fakela isimangalo ebhange, kodwa ngokushesha okukhulu, ngoba akukhuthazwa ukuchitha isikhathi eside ngaphandle kokukhuluma ngesigameko.
- Musa ukuqasha umkhiqizo onendlela ongayazi noma ukusebenza, ngoba kungakudalela inkinga engaphezu kweyodwa, futhi esimweni sokutshalwa kwezimali, okuholela nasekulahlekelweni yingxenye enhle yenani lezimpahla zakho.
- Futhi ekugcineni, zama ukuveza ukuthi ibhange lakho libeka obala ngangokunokwenzeka, futhi uma kungenjalo, uzohlala unesikhathi sokushintsha ibhizinisi.