Ukuchaza noma yiliphi isu lokutshala imali, kuzothatha isinqumo sokuthi uchaze iphrofayili yakho njengomtshalizimali omncane. Ngokuya ngalolu lwazi, uzoba ne- umugqa wesenzo ohluke ngokuphelele, futhi ezimweni eziphikisana ngokuphelele nokusebenza kwemakethe yamasheya. Akumangalisi ukuthi akufani nokuthi ungumtshali-zimali osikiwe ozivikela kunokuba uhlelwe ngaphakathi kwalabo abanolaka kakhulu. Kuzodingeka uhwebe ngamasheya nge imihlahlandlela ichazwe kahle esimweni ngasinye.
Amaphrofayili wabatshalizimali azokuholela nasemibhalweni ehluke ngokuphelele yokuba ngunaphakade, engaba mifushane, ibe maphakathi noma ibe mide. Kunoma ikuphi, ukuphishekela imigomo engafani ngaso sonke isikhathi. Ukwenza imisebenzi ibe semthethweni ezimakethe zamasheya, ngeke ube nenye indlela ngaphandle kokwazi ukuthi iyiphi eyakho, futhi kusukela kulowo mzuzu kuqhubeke, yenza umugqa wesenzo ohlukaniswe kahle nocace kahle ezimakethe.
Amaphrofayli adingekile kakhulu ukuwazi, aze akuholele ekutheni uncike ochungechungeni lwamanani acacisiwe esimweni ngasinye. Futhi unendlela yokusebenza nabo ezodinga imisebenzi ethile futhi ivumelaniswe nesimo ngasinye. Kuzoba umzuzu oqondile wokuthi wazi ukuthi yimaphi amaphrofayili ethulwa esikhwameni kanye nezici zawo eziyinhloko. Ngale ndlela, kuzoba lula kakhulu kusukela manje ukufeza izinhloso ozibekele zona.
Amaleveli kumaphrofayela
Izici ozivezayo ukubhekana notshalo-mali zizokunikeza uchungechunge lokhiye oluzobaluleka kakhulu kuwe ukwenza ukonga kwakho kube nenzuzo ezimakethe zezimali. Esimweni ngasinye zizohluka, futhi zizodinga uchungechunge lwamakhono emkhakheni wokutshala imali ongeke ukwazi ukwenza ngaphandle kwawo. Okokuqala kuzofanele uzikhombe okufakwe kuzo kuzo, futhi uqinisekise izici zeqembu ngalinye. Futhi ngale ndlela, yiba sesimweni sokusebenzisa ama-oda wokuthenga nokuthengisa ezimakethe zezezimali. Ingabe uzimisele?
Kunamaphrofayili amaningi wabatshalizimali njengoba kunezindlela zokusondela ekuhwebeni ngamasheya. Noma kunjalo, zizohlukaniswa ngamaqembu ambalwa ukuze ukuqonde kangcono futhi ukwazi ukuthola izifundo ongazithola kulezi zincazelo. Eqinisweni, abalamuli abaningi bezezimali badedele izincomo zabo zesitoko ngokuya ngamaphrofayli yabatshalizimali. Ngokuhluka okuqinile phakathi kwamanye amaqembu namanye, njengoba ubona kulesi sihloko.
Futhi inhlokodolobha onayo izokuthonya ekuchazeni lokhu kuguquguquka okubalulekile. Akufani nokuthi unokonga okukodwa kwama-euro ambalwa, ukuthi yonke imali etholakala kokulondoloziwe kwempilo yakho yonke, nokuthi ingavela efeni lomndeni, noma nasemklomelweni otholwe ngama-raffles wendabuko . Esimweni ngasinye, kuzodinga ukwelashwa okwehlukile okuzonqunywa yiphrofayili oyivezayo. Futhi ukuthi esimweni ngasinye ngeke kufane, njengoba uzokwazi ukuqinisekisa kusukela manje kuqhubeke.
Amaphrofayli we-Conservative
Akungabazeki ukuthi zivikela kunazo zonke. Akumangalisi ukuthi bazama ukugcina imali ngaphezulu kokunye ukucatshangelwa. Akuvamile ukuthi babe sengozini emisebenzini yabo yokuthenga futhi bakhetha amanani aphephe kakhulu izimakethe zezezimali, imvamisa ngokusebenzisa izinkomba zamasheya ezweni lakho. Abenzi ukuqamba ezindaweni zabo ezivulekile, futhi ukuphepha okuqagelayo akunandawo kuphothifoliyo yabo yokutshala imali. Ekugcineni, abathandi ukuzama lapho imali yabo isengozini.
Esinye isici saso ukuthi imigomo yokuhlala unomphela lapho beqondisa khona ukusebenza kwabo yiyona ephezulu kakhulu, kuze kuthi kwezinye izikhathi kube ngukutshalwa ngofuzo. Lokho wukuthi, bayasigudluza, futhi imvamisa badlulisela ezinganeni zabo noma kubazukulu. Ngokuvamile ngenzuzo ethize yemali etholakele ngenxa yeminyaka eminingi eqongelelwe kutshalo-mali. Ngabe kunjalo ngokususelwa kumanani wokunquma avikela kakhulu aqhamuka emikhakheni yendabuko emakethe yamasheya.
Olunye uphawu lokukhomba labatshalizimali ukuthi iphothifoliyo yabo yokutshala imali ifaka ukuphepha lokho basabalalisa izabelo phakathi kwabaninimasheya. Leli isu elicacile lokutshala imali phakathi kwabasebenzisi balezi zici. Bathola ukwakha isikhwama sokonga ngalokhu okubhaliselwe okuvamile ezinye izenzo ezinakho. Futhi ukuthi zibenza bazuze inzuzo yonyaka futhi eqinisekisiwe engafinyelela ku-8% ezimweni ezinhle kakhulu.
Ama-inverters anephrofayili emaphakathi
Yibo abamele isikhundla esixubene ngezindlela zokutshalwa kwemali. Abalondolozi nje ngoba bezama ukufuna inzuzo ephezulu ezikhundleni ezivulekile ezimakethe. Kepha ngakolunye uhlangothi, abahambelani nokwenza ukuvezwa okunolaka, kepha ekujuleni futhi bafuna iziqinisekiso ezinkulu zeminikelo yabo yemali. Kunoma ikuphi, kunjalo kuvulekele ngokwengeziwe amafomula amasha okutshalwa kwezimali, kepha ngaphandle kokudlula imiphumela yayo.
Ukwenza iphothifoliyo yabo yokutshala imali, abanqikazi yandise kokunye ukuphepha okuvezwe ezingozini eziningi. Kepha ngaphandle kokufinyelela ekuqashweni kokuphepha okuqagelayo, okungaholela ekutheni bonakalise ingxenye enhle yokonga kwabo. Lesi sici sicace bha kubo lapho bethatha isinqumo sokuvula izikhundla ezimakethe zezimali, futhi bathatha imibono yabo kuze kube sekugcineni. Ngaphandle kwemvume yanoma yiluphi uhlobo.
Mayelana nemigomo yabo yokuhlala unomphela, kufanele kuqashelwe ukuthi bayifinyeza ngokuphathelene nabatshali bezimali abavikelayo, kepha ngaphandle kokuyisa esikhathini esifushane kakhulu. Akumangalisi ukuthi, zibonakala ngoba azenzi imisebenzi eshesha kakhulu, futhi kuncane kakhulu kuseshini efanayo yokuhweba. Akuyona indlela yakhe yokuziphatha, kepha ukubukeka kwakhe Zihloswe ngamagama aminyene kakhulu, aqala ezinyangeni ezi-3 kuye kwezingu-24, lapho kusethwe khona izinhloso ezichazwe kahle.
Kulokhu, zivuleleke kumanani wendabuko amancane ezindaweni zokuhweba, yize ngaphandle kokucabanga ngobungozi obedlulele. Futhi ukuthi ekugcineni bangagcwalisa utshalomali lwabo neminye imikhiqizo yezezimali evela kumasheya: izimali ezihlanganyelwe, izimali ezibalwe, futhi kwezinye izimo ngamamodeli wokutshala anolaka kakhulu.
Imvamisa bafuna ukubuyiselwa imali abayongele imali enkulu kunaleyo abanayo kuze kube manje, ngoba abaneliswa ngamazinga wabatshalizimali abavikelayo. Bazama ngazo zonke izindlela ze khulisa inzuzo, kodwa ngaphandle kokuphonsa indlu ngefasitela. Bacace bha ngomqondo wokuthi kubalulekile ukugcina ifa labo kunezinye izinhlelo. Ekugcineni ukuletha lo mbono emiphumeleni yawo yokugcina.
Abatshalizimali abanolaka kakhulu
Siza eqenjini elikhetheke kunazo zonke lokutshala imali. Lokhu kunjalo ngoba bayazama thola imali eningi ngesikhathi esifushane kakhulu. Ukusebenza kwabo kuyashesha kakhulu, kungenziwa kwenziwe ngokusemthethweni ngosuku olufanayo, ngaphandle kokubambezeleka okukhulu. Bazama ukushintsha isimo sabo senhlalo ngobusuku obubodwa. Ukwenza lokhu, abanqikazi ukukhetha ukuphepha okuqagela kakhulu emakethe. Lapho bengathola khona inzuzo enkulu yemali, kepha futhi nengozi efihlekile yokulahlekelwa yingxenye enhle yokonga kwabo.
Ababhalisi amasheya anenkontileka kakhulu, kepha kulawo mabheshi ebhizinisi lapho kukhona okukhulu amandla aphezulu. Uma ukubheja kwabo kuhamba kahle bavame ukuthatha imali eningi ku-akhawunti yabo yokuhlola. Ngakolunye uhlangothi, zibonakala ngoba zixhumana cishe nezimakethe zezezimali. Ukusebenza kwabo kuvame kakhulu, futhi kuyaqabukela ezindaweni zokukhokha.
Ukuba ngomunye wabatshalizimali abanephrofayili enolaka kakhulu, yibo abanezinga eliphakeme kakhulu ukufunda ezimakethe imali engenayo eguquguqukayo. Zishukiwe emisebenzini eyinkulungwane neyodwa. Futhi ngokuhlangenwe nakho okungekuhle okuthinta ulwazi olukhulu lwalo mkhakha wokutshala imali. Ngisho nakwezinye izimo ezithile, baziphilisa ngalo msebenzi njengomthombo oyinhloko wemali yabo engenayo. Baziwa njengabatshalizimali abasebenza ngokuthengisa. Bayazi ukuthi basebenza kanjani ezimakethe, futhi lapho kufanele basebenzise ama-oda abo okuthengisa ukuze baphothule umsebenzi, abanqikazi ukubakhipha.
Akungabazeki ukuthi ngabatshalizimali abathatha ubungozi obukhulu ekusebenzeni kwabo, futhi hhayi wonke umuntu angakwazi ukukukhokhela ngenxa yezimo zabo siqu. Ukuqonda, kwesinye isikhathi, yigama elingekho kusichazamazwi sakho. Futhi lapho begqame khona ngokukhetha ukuvikeleka kwezinga lesibili noma lesithathu, okuyisilondolozi esincane kakhulu esikwaziyo ekuqaleni. Ukwenza imisebenzi enezinkinga eziningi ngazo zonke izindlela.
Ukuleliphi iqembu?
Ngemuva kokwethulwa okufushane kwesigaba sabatshalizimali abancane nabaphakathi abatholakala ezimakethe zezezimali, kusele kuphela kuwe ukuthi ucabangisise ngokusimama kwakho kwamanye amaqembu abhalwe ohlwini. Usuvele uyazi ukuthi banjani nokuthi yiziphi izindlela zabo zokwenza izinto. Futhi nezingozi ozifaka ekusebenzeni okuvulekile ezimakethe zezezimali.
Ukuze wenze amaphutha amancane, kuzokwelulekwa kakhulu ukuthi uvuleleke kufayela le- uchungechunge lwezeluleko lokho kuzoba wusizo olukhulu ebudlelwaneni bakho namasheya. Ngeke kube nzima kakhulu ukufaka isicelo, futhi esikhundleni salokho uzokwazi ukuthola izinzuzo eziningi. Yizinkombandlela ezilandelayo zokwenza okuthile.
- Zichaze ngephrofayili oyitshalile ivumelaniswe nezici zakho, kodwa futhi kuya ngenani onalo lokutshala imali.
- Ungashintshi ukusuka kolunye uhlobo kuya kolunye ngemvamisa ethile, ngoba ukuphela kwento engakukhiqizela ukudideka, ngoba wenza amaphutha amaningi kunesidingo.
- Noma ngabe iyiphi iphrofayili onayo, ngeke kudingeke ukuthi ulahle noma ikuphi imihlahlandlela yokuqinisekisa futhi isiqiniseko semali etshaliwe. Futhi-ke ungazivumeli uthathwe ngamakhono angaphenduli emisebenzini yokulingana.
- Holwa ngumthwalo wemfanelo futhi ungazami ukubeka engcupheni imali eningi kunesidingo Kuwo wonke umsebenzi obonisa ubunikazi bakho njengomsebenzisi wemakethe yesitoko.