Yiziphi izimo lapho ukwehliswa kwesimo kubeka phakathi kwabathengi?

Ukwehla kwamandla emali kukhulunywa ngaso sonke isikhathi njengezinto zokuhlanekezela okukhulu emnothweni, kanye nokukhuthaza izindlela zemali zokulwa nalo. Cishe wonke umuntu uyakuqonda, okungaphezulu noma okuncane. Kepha kuyaqabukela ukukhuluma ngokunyakaza okuphambene, okungekho okunye ngaphandle kwe-deflation. Okokuqala kuzofanele wazi ukuthi uqukethe ini futhi ukuthi ingakuthinta kanjani empilweni yakho yansuku zonke, kufaka phakathi ubudlelwane nebhange, noma nemikhiqizo yokutshalwa kwezimali. Kuzoba nemiphumela eminingi kakhulu kunendlela ocabanga ngayo ekuqaleni, kanti eminye yayo ingakumangaza ngokumangazayo.

I-Deflation iqukethe i- ukwehla okwenziwe isikhathi eside nokuhlala isikhathi eside, okungenani ama-semesters amabili, ezingeni lentengo lempahla nezinsizakalo futhi lokho kuvame ukukhula ngaphambi kwe- a ukufuneka. Futhi lokho kudala ukuthi ingxenye enhle yabezomnotho abakhulu ibhekise engcupheni yayo enkulu maqondana nokwehla kwamandla emali. Akumangalisi ukuthi kuhlanganisa ukungezwani komnotho ukuthi ngokuhamba kwesikhathi kungaba yingozi kuwo wonke umuntu, kuthinte ukukhula komnotho, noma ngisho nomsebenzi, njengoba ubona kulesi sihloko.

Kuyiqiniso ukuthi lesi simo sezomnotho sinzima ukwethula ukwedlula ukunyakaza kwamandla emali, kepha akunakwenzeka ukuthi ngeke sivele. Kuthinta ngokusobala umnotho wamazwe ahamba kulesi simo. Futhi kuze kube seqophelweni, kuzoba nemikhiqizo yokutshalwa kwemali ezuzisa kakhulu kuneminye, lapho ikhiqiza khona inzuzo enkulu ekulondolozweni. Kungase kudingeke nokuthi ushintshe isu lakho lokutshala ngalesi simo esisha somnotho. Kulesi simo, kuzokwenzeka ukuthi uchaze ngokusobala ukuthi yisiphi isimo sangempela ozosithola ngokubonakala kwe-deflation.

Deflation eSpain

Omunye wemiphumela edalwe yinqubomgomo yezomnotho yamanje, futhi njengomuthi wokulwa nobunzima obukhulu bezomnotho iSpain ebhekane nabo, kube wukuthuthuka okungalindelekile kwalesi simo sezomnotho. Futhi lapho abahlaziyi abahlukahlukene bekhomba njengenkinga eyengeziwe umnotho waseSpain okwamanje onayo. Futhi ukuthi uma ihlala ezinyangeni ezimbalwa ezizayo, ingaba nezinye imiphumela emibi kuzinto ezikhiqizayo yomnotho wezwe lethu. Akumangazi-ke ukuthi lesi yisexwayiso esinamandla kakhulu esenziwe ngochwepheshe abakhulu bezomnotho.

Kulesi simo esingakhuthazi ngokweqile, kufanele kuqashelwe ukuthi isilinganiso sonyaka sokuhluka kwe-Index Yamanani Abathengi (CPI) sangoFebhuwari odlule Kwakungu -0,8%, okuyishumi kweshumi ngezansi okwabhalisa ngenyanga edlule, ngemuva kwedatha yakamuva enikezwe yiNational Institute of Statistics (INE). Futhi lapho kukhonjiswa khona ukuthi ukwehluka nyangazonke kwenkomba ejwayelekile kwehle kulesi sikhathi ngo-0,4%. Njengomphumela walezi zibalo, kungabonakala ukuthi ukwehla kwamandla emali kufinyelele emnothweni wezwe. Kwanele ukubona ukuthi isikhathi esingakanani, noma uma okuphambene, kuyinto edlulayo.

Lapho amaqembu anethonya elikhulu kulokhu kwehla ekhona: ezokuthutha, ezehlise isilinganiso sazo cishe ngamaphuzu amathathu kuya ku- -4,7% ikakhulu kungenxa yokuthi kule nyanga amanani entengo kaphethiloli kanye nezinto zokuthambisa zehle ngenkathi ngoFebhuwari 2015 zikhuphukile. Ukudla neziphuzo ezingadakwa, ngokuhlukahluka okungu-1,3%, okuyisishiyagalombili kokuyishumi ngaphansi kwenyanga edlule. Yize ukukhuphuka kwamanani entengo yemifino emisha nakho kugqamile, kungaphansi kunanyakenye. Ngakolunye uhlangothi, kufanelekile ukusho ukwehla kwamanani ezinhlanzi ezintsha nezithelo ezintsha, eziphakeme kunalezo ezibhaliswe ngonyaka owedlule.

Ngenxa yale mininingwane esemthethweni, uzoba nomthelela wokuqala njalo lapho uya emakethe, noma esitolo ukwenza inqola yokuthenga. Hhayi ize, ngalezi zinyanga zokuqala konyaka omusha kuzokubiza imali encane ukugcwalisa imoto, ikakhulukazi ngokudla okuthile nemikhiqizo. Impela usuvele uyihlolile kokunye ukuvakashela kwakho kulezi zikhungo zezitolo. Umthethosivivinywa ngeke ufune njengakwezinye izikhathi, ezinye zazo zingekude kakhulu emuva ngesikhathi.

Ngisho nokuthinta ezinye izindawo ebudlelwaneni bakho nokusetshenziswa. Hhayi ukudla kuphela, kepha nemishini yasendlini, amadivayisi edijithali, kanye nezinsizakalo zabavakashi. Empeleni, ungazuza kumanani entengo ancintisana kakhulu kunezinyanga ezimbalwa ezedlule. Futhi lokho kuzothinta, ngokuqiniseka okukhulu, ukuthi Ibhalansi ye-akhawunti yakho yasebhange inempilo nyanga zonke. Hhayi ngendlela ebabazekayo, kepha okungenani ukufinyelela ekupheleni kwalesi sikhathi ngezinkinga ezimbalwa emnothweni wakho wasekhaya.

Idala umkhiqizo ophansi

Kuze kube manje usuyibonile imiphumela emihle kakhulu yalesi sifundazwe emnothweni wezwe. Kepha ngeke babe ngumusa, kude nakho. Njengoba, ngokuphambene nalokho, ukwehla kwesikhashana kubangela izimo ezingafuneki kunoma yiliphi iqembu. Lapho kutholwa amanani angcono kuzinsizakalo nakumkhiqizo, akumangazi ukuthi abasebenzisi ngokwabo bayeke ukusetshenziswa kwabo, ngicabanga ukuthi la mazinga angaqhubeka ukwehla ezinyangeni ezizayo. Futhi bangabathenga ngisho nangezaphulelo ezinkulu kumanani abo, nangaphansi kwalezi ezikhona manje. Futhi ngale ndlela ukugeleza kwemali kwehla, kuthinta yonke imikhakha ekhiqizayo.

Futhi ukuhoxiswa kokuhamba kwemali kungakuthinta kanjani? Yebo, kulula kakhulu, lapho lo mkhuba udluliselwa ezinkampanini, zikhombisa ukwehla komsebenzi webhizinisi lokho kuzobonakala ekwehleni okukhulu kokuqashwaNjengomphumela wamasu ezinkampani okulungisa izabelomali zawo, imikhawulo yazo yokukhiqiza iyancishiswa. Futhi kungenziwa, njengomphumela owengeziwe, ukulungiswa okuthile kwamaholo. Futhi lokho kuzokwenza ukuthi umholo wakho wehle ngenxa yeminyakazo eyehlayo emnothweni wezwe.

Esinye isici esingahle sikuxhumanise nalesi simo sisuselwa ezinkingeni zakho ezinkulu ukuzikhokhela (izimalimboleko zomuntu siqu, ukusetshenziswa, imali ebanjwayo, njll.). Ukuba wubudlabha bamakhasimende asebhange kungenye yemiphumela yesibambiso yokufakwa kwe-deflation emnothweni wezwe. Futhi bangalimala ngisho phakamisa inzalo emigqeni yakho yesikweletu, ukwenza umzamo omkhulu wezezimali wokunciphisa ukusebenza.

Izinkinga zesisombululo esihlelekile

Ukuphazamiseka okuhle kwezinqubo zokuphambuka ukuthi zidinga ukuxazululwa kwezinyathelo zezimali ezingenakuthathwa yibhange elikhipha iSpain, futhi lokho kuvela ku-European Central Bank (ECB). Kepha-ke, inhloso yayo akukhona ukusindisa umnotho waseSpain, kepha ukubheka izintshisekelo zabo bonke abalingani bomphakathi. Futhi njengamanje mancane kakhulu amazwe akulesi simo sokumiswa kwemali. Ngalokho ekugcineni isixazululo saso sizoba nzima kakhulu, noma okungenani sizobambezeleka ngokwemigomo yaso ikakhulukazi.

Kuze kube seqophelweni lokuthi umnotho wezwe ungacwiliswa esimweni se-deflation, esikhuliswa ukukhula komnotho okuphansi, uma izimpawu zokumiswa kokukhula emhlabeni wonke ziqinisekiswa, njengoba kuxwayiswe abanye babahlaziyi bezezimali abahlonishwa kakhulu. Ukuvumelana, ngakolunye uhlangothi, isimo esibi kunazo zonke, nokuthi kulokhu, kuzomela ingozi yangempela kuwo wonke umuntu, abaqashi nabasebenzi, futhi ngaphandle kokunye okuhlukile.

Umthelela ekutshalweni kwezimali

Vele, akusona isimo esihle kubatshalizimali abancane nabaphakathi, njengoba kungenzeka ukuthi kunjalo, ngoba kungaba nzima kakhulu ukuqala kabusha ukwanda ezimakethe zamasheya, kanye nezezimali ngokujwayelekile. Ngenxa yalokho, uzoba namathuba ambalwa okwenza ukonga kwakho kube nenzuzo, futhi kube nokumelwa okuphansi kokunye ukufeza izinhloso.

Mayelana nemikhiqizo eyongiwe eyinhloko (amanothi ezethembiso zebhange, amadiphozithi noma amabhondi, phakathi kokunye) izehlakalo ziyobe ziphansi. Ngaphandle kokukubona ngokoqobo ngenzuzo oyokukhiqiza minyaka yonke lapho wenza le mikhiqizo yasebhange ngokusemthethweni. Ngamanani wenzalo azoqhubeka nokuhlala ngaphansi kwe-1%, futhi kunoma yikuphi ukungagculisi kwezimangalo zakho njengesilondolozi.

Mayelana nezimali zokutshala imali, futhi ngokungafani nezinye izitayela zomnotho, azikho amamodeli enziwe ngomumo acabanga ukwehla. Futhi kuphela ithonya lalo kwezinye zezimali elingathuthukisa ukuphathwa kwakho kwengcebo.. Ngokombono, ukwehla okujwayelekile kwamanani akuyona izindaba ezinhle zokuthatha izikhundla ezimakethe zezimali. Akunjalo nakwezinye izindlela, ngakho-ke izinketho zakho zizokwehliswa kakhulu.

Kunamasu ambalwa ongawasebenzisa ngaphambi kokuvela kwezinqubo ze-deflationary, futhi lapho into engcono kakhulu ongayenza ukuvikela ukulondolozwa kwakho ngendlela ekhethekile. Ngaphezulu kokusebenza ongakuthola kulesi simo esisha sezomnotho. Futhi lapho ukukhetha izibambiso ezinenzuzo ephezulu ngezabelo zazo kungaba yisinqumo esihle kunazo zonke ongazenza, ngaphezu kwezinye ezinolaka kakhulu.

Hhayi ize, futhi njengecebo elicace bha, inqobo nje uma kuzoba khona isisetshenziswa sokudlulisela imali yakho ezimakethe zezezimali zezimali ezivela ezizweni ezingahlobene nokunyakaza kwe-deflationary. Yize ukwenza le misebenzi ibe semthethweni kuzobandakanya umzamo omkhulu wezimali, njengomphumela wamanani athe xaxa amakhomishini afakwa yilezi zingxoxo zesitoko, acishe aphindwe kabili kunasemisebenzini kazwelonke.

Naphezu kwakho konke, ngeke ulahlekelwe yikho konke, kude nakho, ngoba uzohlala njalo unezinsizakusebenza zokusebenzisa imikhiqizo eyinkimbinkimbi kakhulu yokutshala imali (izimali ezithengiswa ngokushintshisana, ukuthengiswa kwezikweletu, izincwadi ezigunyazayo, njll.), Ezingenza ukusebenza kunenzuzo kuzo zonke izimo ezingenzeka, kufaka phakathi lezo ezingezinhle kakhulu. Futhi phakathi kwabo, kungaba kanjani kuncane, lapho i-deflation ikhona.