Njengoba usebenzisa amanye amasu okutshala imali, kuzohlala kulula kakhulu kuwe ukuthi usebenzise kakhulu imali oyongele ngendlela eyiyo. Ikakhulu, ngoba unamathela ochungechungeni lwamapharamitha anenhloso ethe xaxa yokufeza i- izinjongo ezilandelwe kusukela ekuqaleni. Ngalo mqondo, ungathola amasu amaningi kakhulu okutshala imali ukuthi amaphrofayili njengomtshalizimali angathuthuka kanjani. Akufani, isu lomsindisi olondolozayo kunelolaka kakhulu. Akumangalisi ukuthi indlela yokusebenza izohluka kakhulu esimweni ngasinye, njengoba uzokwazi ukubona ngezansi.
Ukuqala isu lokutshala imali kuzodingeka okokuqala ukuthi usethe izinhloso ezithile eziphansi. Ngoba kuncike kuzo, ungakhetha eyodwa noma enye impahla yezezimali, noma ngaphakathi kwemakethe efanayo yezezimali. Lapho kuzobaluleka khona kakhulu lokho chaza imigomo yokuhlala lapho ufuna ukuya khona. Ngoba izimali ezimiselwe isikhathi esifushane zizohluka kakhulu, kanye nesikhathi esimaphakathi neside. Awukwazi ukukhohlwa ukuthi bazodinga ukwelashwa okwehlukile kwasekuqaleni. Akumangalisi ukuthi esinye sezihluthulelo zokutshalwa kwezimali okuhle yizinga lokwenza ngokwezifiso.
Kunoma yiliphi isu lokutshala imali elifanele usawoti walo, kuzodingeka futhi ukuthi unake izimali ezitshaliwe. Uma ithuthukiswa ngaphansi kwamanani aphansi kakhulu noma ngokuphambene nalokho unquma ukunikela ngefa elingaphezulu kwelilifanele noma lomndeni. Esimweni ngasinye, kuzodinga imihlahlandlela yokuziphatha ezokwehluka, hhayi kumafomu kuphela kepha nakokunye okubaluleke kakhulu, okuqukethwe. Ngalesi sizathu esiqondile akunakushiwo ukuthi isu elilodwa kuphela Ukutshalwa kwezimali, kepha kunalokho kuningi futhi kuhlukile ngokwemvelo. Bazovumelana nephrofayili yabatshalizimali abancane nabaphakathi: abavikelayo, abaphakathi noma abanolaka.
Isu lokutshala imali: incazelo
Kepha okokuqala, kuzodingeka unake ukuthi iyini incazelo yalo yangempela, ukuze ngale ndlela ube sesimweni sokuyisebenzisa ngokunemba okukhulu. Yebo, uma sikhuluma ngecebo lokutshala imali asibhekisi ku iqoqo lemithetho, indlela yokuziphatha kanye nezinqubo, yakhelwe ukuqondisa umtshalizimali ekukhetheni iphothifoliyo yezokuphepha. Ngenxa yalokho, uzothola ukuthi izimali zakho ozihlelele kangcono ziqale manje. Ngoba kudinga isiyalo ukwenza ezinye zalezi zinhlelo ukukhulisa izimpahla zakho ngendlela ephumelelayo.
Kulesi simo esivamile, noma yiliphi isu lokutshala imali lisebenza kakhulu ekulondolozeni imali, ngaphandle kokuphazanyiswa okokusebenza kwezezimali kwesikhashana. Kepha ngesici esichazwe kahle nokuthi kufanele usicabangele kusuka manje kuqhubeke futhi lokho wukuthi kufanele ugcine isiyalo uze ufinyelele ezinhlosweni zakho ezibaluleke kakhulu. Lokhu kusebenza kusho ukuthi kufanele uhambisane kakhulu kunangaphambi kohlelo lwakho lokusebenza. Njalo kususelwa kuzidingo zakho zangempela futhi ngokusuka ezifisweni zakho njengomtshalizimali omncane naphakathi.
Yini ebaluleke kakhulu?
Isu elihle lokutshala imali liyobe lingaphelele uma ungazibuza lo mbuzo ofanele. Hhayi ngeze, nguyena ozonikeza izimpendulo ezikukhathazayo njengomtshali-zimali futhi kusuka emibonweni eyehlukene. Ngoba empeleni, ingabhekiswa kwimikhiqizo ehlukile noma izimpahla zezezimali. Isibonelo, kugxilwe kumadiphozithi asebhange, ukufuna ukubuyiselwa okuqinisekisiwe noma kusuka kumamodeli wokutshala imali abizwa ngenye indlela. Ngoba ukukhomba impahla noma izimakethe eziyigugu zezinsimbi nakho kufakiwe kulokho okubizwa ngokuthi amasu okutshala imali. Yize inezici futhi, ngaphezu kwakho konke, izindlela ezahlukanisiwe maqondana nezinye izinhlobo zotshalo-mali lwendabuko noma olujwayelekile.
Ngokwalo mbono ekutshalweni kwemali, ngeke ube nokhetho ngaphandle kokuchaza ukuthi ufuna utshalomali lwakho luvele kanjani kulezi zikhathi eziqondile. Ukuze zikwazi ukuhanjiswa ngendlela efanele futhi ukwazi ukufinyelela finyelela imigomo yakho ephambili kakhulu. Lapho, ezimweni eziningi, amasu amahle kakhulu kufanele abhekiswe esikhathini eside, ekuhlukaniseni amalungelo obuzali, kepha kufanele bakhohlwe ngokuvikelwa okusebenzayo kweminikelo yakho yemali. Ngoba akufanele ukhohlwe ukuthi ukonga imali etshaliwe kubuye kube isu lokutshala imali. Ikakhulukazi lapho izimo zezimakethe zezimali zingathandeki ngempela.
Umthetho wokuhlinzeka nokufunwa
Kubaluleke kakhulu ukuthi ukhumbule ukuthi amasu okutshala imali angashintsha kakhulu ngokuya ngokunikezwa ephezulu noma ephansi yemikhiqizo yasebhange neyendabuko. Lokho kungukuthi, kuya ngokuthi izintengo zezimpahla zezimali zinengqondo yini ukuzithenga noma cha. Akumangalisi ukuthi lokhu kuguquka okunqume kakhulu kungaholela ekwakhiweni kwamasu okutshala imali acishe abe nengozi futhi abe nobungozi njengemakethe yamasheya noma ezinye izimakethe zezezimali ezinolaka. Ngenkathi kwezinye izimo, kuzodingeka ukuya ezimakethe ezijwayelekile. Ukwenza, isibonelo, idiphozi yasebhange yenkontileka, amanothi wesethembiso noma imikhiqizo enezici ezifanayo.
Ukubuyiselwa kokutshalwa kwemali kuzoba enye inhloso ephambili kunoma yiliphi isu lokutshala imali. Ngalokhu ngeke kube nenye indlela ngaphandle kokuhlaziya imikhiqizo nesimo sangempela sezimakethe zezimali. Ukuhlola ukuthi yikuphi kubo okukufanele kakhulu umzuzu ngamunye. Ngoba empeleni, esinye isici sokuhlola ukuthi umkhiqizo owodwa noma omunye uzohlala njalo kuneseluleko. Kuzoya ngezici eziningi futhi okunye okubaluleke kakhulu yilokho kuhlobene nesikhathi sokutshalwa kwemali. Ngoba manje kungaba ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya futhi ezinsukwini kamuva inketho enengqondo kunazo zonke ukutshalwa kwezinsimbi eziyigugu.
Amasu anamasheya emakethe yamasheya
Ngokuya ngale mibono ejwayelekile, lolu hlobo lwecebo lokutshala imali kufanele lilawulwe yizinhloso ezimbili eziyisisekelo. Ngakolunye uhlangothi, thuthukisa inzuzo yeminye imikhiqizo yezezimali ngakolunye uhlangothi, uvikele iminikelo yezomnotho ngaphansi kohlelo olungcono kakhulu. Akumangalisi ukuthi impumelelo yangempela yokusebenza izoncika ekusetshenzisweni okulungile kwazo zombili izinhlelo nokuthi yiliphi isu lokutshala imali okufanele ligxile kulo. Lapho uhlela ngokwengeziwe, kuzoba ngcono kakhulu ngezintshisekelo zakho nezomndeni, njengoba uzokwazi ukwazi ngokuhlangenwe nakho kwakho kwangaphambilini.
Ngakolunye uhlangothi, ukuba namasu wokutshala imali asebenzayo kukuvumela ukuthi ufinyelele ezinhlosweni ezihleliwe. Kufike ezingeni lokuthi uzosondela ekukhiqizeni i- ukubuya okungcono kusukela ekuqaleni. Noma ngabe iyiphi iphrofayili njengomtshalizimali omncane naphakathi oyethula esigabeni ngasinye sempilo yakho. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo. Akumangalisi ukuthi lokhu kungenye yezikhiye zesu elihle lokutshala imali. Ngoba kuningi futhi ongathembela kukho kusuka kulezi zikhathi eziqondile.
Ungakwazi ukuguqula isu?
Okunye okuguqukayo odinga ukukwazi kusuka manje ukuthi amasu okutshala imali azinakunyakaziswa. Cha akunjalo futhi noma ngasiphi isikhathi nangesimo ungashintsha ukuziphatha kwakho ezimakethe zezezimali. Noma ngaphandle kokusebenzisa kabi lolu hlelo ngoba kungaholela ezimeni ezingafuneki ngempela ukuvikela izintshisekelo zakho ezifunwa kakhulu. Ngoba ngalo mqondo awukwazi ukukhohlwa ukuthi kulula kangakanani ukuthi lawa masu abuyekezwa njalo ngezikhathi ezithile. Cishe iminyaka emibili noma emithathu yokuholwa.
Ngakolunye uhlangothi, iseluleko esincane salolu hlobo lwesimo ukuhlola izinhloso lapho ubona ukuthi okulindelwe kutshalo-mali akuhlangatshezwana nakho. Kepha ikakhulukazi lapho la macebo abayitholi imiphumela ehleliwe. Hhayi ngeze, kuzoba ngumzuzu okhetheke kakhulu lapho kuyodingeka khona ukufaka izimo ezihlelelwe ezihlelwe. Kunoma ikuphi, uma ungaqiniseki noma ungazi ukuthi kwenzekani, akusona isixazululo esihle sokushintsha amasu akho okutshala imali. Ngoba imiphumela yayo ingalimaza kakhulu izintshisekelo zakho.
Thola inzuzo engcono kakhulu
Ukusuka kulesi simo, wonke amasu akho kufanele adlule ekuzameni ukuthola inzuzo ephezulu kakhulu. Kepha ukuhlonipha ngaso sonke isikhathi, umzuzu wokuhlangana wezimakethe zezezimali, okuyiwona ekugcineni ozocacisa ukuvela kwephothifoliyo yakho yokutshala imali. Noma yiliphi isu olisebenzisayo esimweni ngasinye lapho izimakethe zezezimali zikhona. Ukuze ngale ndlela, ukusebenza kwephothifoliyo yakho yokutshala imali kube ephakeme kunaleyo ebekwe isimo somnotho. Vele, lokhu kuyisihluthulelo sokusebenzisa isu elihle kakhulu lokutshala imali. Ngaphezu kwamanye amasistimu angenamigomo futhi lapho inzuzo inganqobi ngaphezu kwakho konke okunye.
Ngalezi zincazelo uzobe uqonde kangcono imvelaphi yale ndatshana. Ukufika ezingeni lokuthi ukwazi ukukusebenzisa ukwenza ngcono izinzuzo zotshalo-mali lwakho kusukela manje kuqhubeke. Okungukuthi imayelana nani, futhi kuzoba nzima kakhulu kuwe ukukufeza ngomzamo omncane kanye nenhlanhla encane. Ngoba awukwazi ukukhohlwa ukuthi sikhuluma ngemali. Futhi lezi izimfanelo ezibaluleke kakhulu okumele zihlotshaniswe nempumelelo ethile nalesi sigaba sezimpahla zezimali. Ngabe uzimisele ukulandela lezi zeluleko?