Njengoba kunezinsuku ezimbalwa kakhulu kuze kuphele omunye unyaka wokuhweba, mancane amasu ongahlangabezana nawo wokuqeda unyaka ngokusebenza kahle ngokwengeziwe ngemiphumela. Noma kunjalo, unamaqhinga angajwayelekile okubhekana nonyaka ngethemba elikhulu. Ngemuva kuka-2018 kuzohamba nokwehla kwenkomba ekhethiwe yamasheya aseSpain okuthile okungaphezu kuka-10%. Kusele izinsuku ezimbalwa kuphela ukuze ukwazi ukulungisa amaphutha owenzile kuze kube manje. Yize ngaphandle kokungabaza ngaphandle kwemiphumela emangalisayo njengoba ungaqonda.
Ngokombono wezimali, isilinganiso sokuqala ongasithatha kusukela manje ukukhipha enye yakho ukulahlekelwa izikhundla. Ngesizathu esilula kakhulu sokuqonda futhi lokho kuhlala ekutheni lokhu kuhamba okulahlekile emakethe yamasheya kungabalwa esitatimendeni sakho semali esilandelayo. Kanjani? Yebo, ngento elula njengokuyikhipha ezinzuzweni ezikhiqizwe kuzimpahla zakho zomuntu siqu noma zomndeni. Ngale ndlela, ngeke kudingeke ukhokhe imali eningi njengasezivivinyweni zangaphambilini noma ngisho nasezimeni ezinhle kakhulu imbuyiselo izokuba nesandla esivulekile. Kunoma ikuphi, ukwahluka kukweqisa kakhulu.
Kunoma ikuphi, umqondo osebenza kakhulu uqukethe amasu ongawasebenzisa manje ukwenza ukonga kube nenzuzo ngendlela engcono kakhulu. Vele, ezinye izindlela ozoba nazo ngeke babe baningi kakhulu njengoba nje ungacabanga, kodwa okungenani bazokusiza ukuvala unyaka ngonyawo lwesokudla. Lokho akuyona into encane njengoba imakethe yezemali isungule kulo msebenzi onzima wemakethe yamasheya. Ngabe ufuna ukwazi eminye imibono ukwanelisa lesi sidingo? Yebo, naka kancane ngoba kungakusiza ukuthi uthuthukise ibhalansi ye-akhawunti yakho yokonga.
Ngesonto eledlule: iya kumanani asethrendeni
Amasu okutshalwa kwezimali okuqala aqhamuka embonweni olula njengokumiswa ngokusemthethweni kokusebenza kwezokuphepha ezisenkingeni ecacile yokwenyuka, ngaphandle kwezimpawu eziphikisanayo. Futhi uma kungenzeka lokho futhi yiba nomfutho kahle, kungcono kakhulu kuzintshisekelo zakho. Uzoba nendawo ethile ukuze kuleli sonto eledlule umkhuba ungaguqulwa, into ebonakala ingenzeki neze. Ungathola inzuzo etholakalayo yemali futhi okuhle kakhulu ukuthi lo msebenzi uzokwenziwa ngesikhathi esifushane kakhulu esizosiza izikhundla zakho kutshalomali lwesikhashana obhekene nalo njengamanje.
Ukunqoba ukumelana
Esinye sezimo ezinhle kakhulu ongaya kuso ngalesi sikhathi esikhetheke kakhulu sonyaka ukuthola lawo manani ahlaselwe ngokwanele ukumelana ababenawo kuze kube manje. Kuzoba yisiginali enamandla ku ukuqhubeka kokuvuka ezimakethe zokulingana. Kepha hhayi ngamagama amafushane kakhulu, kepha futhi naphakathi nendawo ende, lapho unganweba imigomo yokuhlala amasonto amaningi noma izinyanga. Akumangalisi ukuthi leli elinye lamasu okutshala imali angalokothi ahluleke ngoba linokwethenjelwa okukhulu kuwo wonke amaphuzu owabukayo kusukela manje kuqhubeke.
Khetha amasheya avikela kakhulu
Isu elithe xaxa lokulondoloza kuzoba ukuthenga amasheya kwezinye zalezi zinkampani ezibalwe. Mhlawumbe intshisekelo oyitholayo kule misebenzi ayidluli ngokweqile, kodwa okungenani ngeke ulahlekelwe amanani azwakalayo noma ukuthi ziyakuthinta kubhalansi ye-akhawunti yakho yokonga. Yize into ebaluleke kakhulu ukuthi zingamasheya asezikhundleni ezingcono zokuthatha uhambo olubheke phezulu kulezi zinsuku ezimbalwa ezisele kuze kube sekupheleni kwalo nyaka. Ngakolunye uhlangothi, ezinye zalezi zivikeleko zinokwabiwa kakhulu kwezabelo, phakathi kuka-5% no-7% maqondana nezinkampani zikagesi.
Imisebenzi yokuhweba
Kubatshalizimali abanolaka kakhulu ezimakethe zezimali, kukhona isu elingabajabulisa kakhulu kubo. Yize kuzindleko zokuthatha izingozi eziningi kwezinye izinketho ezibalulwe ngenhla. Kususelwa ekwenzeni ukonga kube nenzuzo ngendlela esheshayo futhi lokho kwenziwa ngemisebenzi yangaphakathi, noma njengoba aziwa kangcono, ithuthukiswa esikhathini esifanayo sokuhweba. Kodwa-ke, ukwamukela le modeli yokutshalwa kwemali ngeke kube khona okunye ongakwenza ngaphandle kokubheka nokuthola amasheya ashubile kakhulu. Lokho ukusho ukuthi baletha ukwehluka okukhulu phakathi kwamanani abo aphezulu naphansi. Ukuze usebenzise la mahluko obaluleke kakhulu, yize lokhu kuzodingeka ukuhlinzeka ngemfundo ethe xaxa kulolu hlobo lwemisebenzi ekhetheke kakhulu.
Ukutshalwa kwemali okuthe xaxa
Impela, umqondo osebenzayo kuleli sonto eledlule lonyaka esiwushiyayo ukukhetha ezinye izimakethe. Kunenzuzo yokuthi ungathola izintshisekelo ezithakazelisa kakhulu kunakuqala. Ikakhulukazi uma bengaphansi kwe- mkhuba ngokucacile we-bullish ngoba umzila wayo obheke phezulu uphakeme kakhulu. Esinye salezi zibonelo senziwe izimakethe eziyigugu zezinsimbi, okuthi ekupheleni konyaka zikhombise ukubonga okwandayo ngamanani azo. Kungagcina sekuyisikhathi sokutshala imali kulezi zimpahla zezezimali futhi ikakhulukazi kwigolide. Yize kuzofanele kungabikho emakethe yamasheya njengoba kungafakwanga ohlwini lwezinkomba zendabuko.
Iya ezindaweni zomhlaba jikelele
Akudingeki ukuthi uzilinganisele ezimakethe zasekhaya futhi kungahle kube yisikhathi sokuthi ushiye imingcele yethu uye ku amasheya amaningi e-bullish emhlabeni. Akumangalisi ukuthi umehluko ungabaluleke kakhulu, ngokusabalala okungaphezu kwama-20% noma ngaphezulu kwezinye izimo ezithile. Kuzofanele unake kakhulu ukuvela kwezimpawu eziyinhloko zamazwe omhlaba ukuthuthukisa ukusebenza ngokushesha nangaphambi kokuphela konyaka onzima. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okuhloselwe kakhulu isikhathi esimaphakathi nesikhathi eside.