Sinezinsuku ezimbalwa ukuqala unyaka omusha wemakethe yamasheya futhi iqiniso ukuthi ngeke kube yinto yokuzivocavoca izintshisekelo zabatshalizimali abancane nabaphakathi. Phakathi kwezinye izizathu zokuthi kungani kuzoba yisikhathi lapho i- khuphula amanani enzalo endaweni. Isinqumo semali ngokungangabazeki ngeke sihlale kahle kubatshalizimali ezimakethe zezimali. Kuze kube seqophelweni lokuthi izilungiso ezibalulekile zingenziwa emakethe yamasheya ngesikhathi kwenziwa lesi sinyathelo esibalulekile.
Ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi izimali zezimali azikaze zizwe a usike ngamanani okuqina okukhethekile. Futhi kunomthetho ohlale ugcwaliseka ezimakethe zezimali ukuthi akukho lutho olukhuphuka unomphela, ngisho nangokuphathelene nokukhuphuka. Futhi kungenzeka ukuthi kulo nyaka kulapho kwenziwa lolu shintsho olubalulekile kuthrendi. Lokhu kungenye yokwesaba okukhulu abahlaziyi abaningi bezimakethe zezimali abakhomba kukho. Okungenzeka ngokujwayelekile.
Kunoma ikuphi, kulo nyaka kuzohlale kunamathuba ebhizinisi wangempela ngokungangabazeki okufanele uwasebenzise kusukela manje kuqhubeke. Ihanjiswe ngamasu ahlukahlukene wokutshala imali nokuthi ungakwenza ngaphandle kobunzima. Ngenkathi ngakolunye uhlangothi, esinye sezikhiye zokuphumelela emakethe yamasheya sizoba nokwazi faka izimakethe zezimali ngesikhathi esifanele. Yize kufanele ulinde isikhashana ekusebenzeni kwezezimali. Ukuze ukwazi ukwenza ukonga kube nenzuzo ngendlela enengqondo futhi elinganiselayo.
Inzuzo ngokuhlukahluka
Esinye sezihluthulelo zokuphuma uphila kulo nyaka uma kukhulunywa ngokuhweba ngamasheya kusekuhlukaniseni imali oyongile ngokunakekela okuthile. Ukukhetha izimpahla zezezimali ezihamba phambili ngaso sonke isikhathi nokuthi kunoma yikuphi kuzovela kwezinye zalezi zinyanga. Omunye wemikhiqizo yezezimali ehumusha kahle leli su lokutshala imali ngokungangabazeki yizimali zokutshala imali. Ikakhulukazi kwizimali ezinokuphathwa okusebenzayo, okuyilezo ezivumelanisa nazo zonke izimo ezimakethe zezimali, ngisho nezimbi kakhulu.
Esinye isici okufanele usicabangele kusukela manje kuqhubeke leso sihlobene nokukhethwa kwezimpahla zezimali ezigxilile enkambweni ecacile eya phezulu. Ukuze ngale ndlela, ukwazi ukwenza inzuzo ukunyuka okuya phezulu esikhathini esifushane noma esincane. Okusho ukuthi, ngemisebenzi emifushane kakhulu ngesikhathi ukuze ushintsho kuthrendi lungeke lukuthinte. Uma ulandela lesi seluleko esilula ngesiyalo esikhulu, imisebenzi yakho ngeke ibe nokuhlanekezelwa okweqile ekuguqukeni kwamanani.
Iya kumanani asalela kakhulu
Olunye uhlelo olulula ongalusebenzisa olungagcwalisa izifiso zakho ezimakethe zezimali. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Ngenkathi ukwelinye, awukwazi ukukhohlwa ukuthi leli su lokutshala imali ithwala ubungozi obuningi kunezinye. Ngoba yibo abangaba namandla amakhulu wokuvuselela eminyakeni ezayo, noma kuzimo ezingezinhle ezimakethe zokulingana.
Ngaphakathi kwalesi simo jikelele, bangaba amasheya amukelwa kahle kakhulu ukufaka iphothifoliyo yalo nyaka yokutshalwa kwezimali. Ngoba kufanele ugcine engqondweni ukuthi akukho okuya phansi unomphela, kungasaphathwa-ke kulezi zimpahla zezimali. Ngezinga lapho i- ukuthambekela komkhuba esitokisini wezimpahla eziyinhloko zezimali. Kwezinye izimo ngaphansi kokuqina okukhulu ekuvumelaneni kwalezi zimakethe zezimakethe zamasheya. Ukuze ukwazi ukwenza imisebenzi enenzuzo emakethe yamasheya ngendlela eyiyo negculisayo.
Umkhakha ovuselelekayo
Ngaphakathi kwemikhakha ezimakethe zezimali akukho ukungabaza ukuthi lokhu kungaba ngenye yezinto ezinhle kulo nyaka omusha. Lokhu kungenxa yokuthi kuzoba nengcindezi ebaluleke kakhulu yokuthenga ngenxa yenzalo engxenyeni enkulu yabasebenzeli bezezimali. Hhayi ngeze, ezinyangeni ezedlule imali eningi iza kulawa magugu ngakho-ke kungalindelwa ukuthi ukulayishwa ngeke kuthathe isikhathi eside ukuvela. Ngamandla okukhuphuka emakethe yamasheya angaphezulu kweminye imikhakha eyakha izimakethe zezimali.
Ngenkathi kungenye ingxenye, kufanele futhi kugcizelelwe ukuthi le ngxenye yebhizinisi ingenye yezindawo ezihamba phambili okulindelweyo kudala phakathi kwabatshalizimali abancane nabaphakathi. Ngaphezu kwalokho, sebevele bahlanganisa izikhundla zokutshala imali zabalamuli bezezimali futhi ngaleyo ndlela babe nomthelela omkhulu ezinqumweni zabatshalizimali abathengisa. Kunoma ikuphi, kungumkhakha, ngaphandle kokungabaza, ongaba esinye sezimanga ezinkulu kulo nyaka osuzovela. Kuze kufike ezingeni lokuthi amanani angakhuphuka kulezi zinyanga eziyishumi nambili ngaphambi kwethu ukuzama ukwenza imali eyongiwe ibe nenzuzo.
Ukuphepha okukhokha izinzuzo
Ukuphepha okunenzuzo kungenye yezindlela eziphephe kakhulu zokutshala imali kubatshali zimali abaningi abancane nabaphakathi abane- iphrofayli yokuzivikela noma yokulondoloza. Ngoba kuyindlela elula yokuthola inani lenzalo efinyelela ku-8% minyaka yonke. Ngokukhokha okungaguquguquki futhi okuqinisekisiwe, noma yini eyenzekayo ezimakethe zezimali. Ngenkathi ngakolunye uhlangothi kuyisu elisebenza kahle kakhulu lokwenza ngcono imingcele yokulamula eyethulwe yimikhiqizo yasebhange neyezezimali, eyeqe ngokulambisa amazinga acishe abe yi-1% noma ama-2%.
Ngakolunye uhlangothi, kwembulwa futhi ukuthi izinzuzo zakhiwa isu elilula kakhulu lokwenza ukushintshana okuzinzile kokonga esikhathini esimaphakathi nesikhathi eside. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Emizuzwini embalwa, njengalena yamanje, lapho ifayela le- ukushibilika kwentengo yemali kuyinto engokoqobo endaweni ye-euro. Lapho amazinga wenzalo abe ku-0% iminyaka eminingana. Lokho wukuthi, ngaphandle kwenani lemikhiqizo ehloselwe ukonga noma utshalomali.
Chaza imibandela yaphakade
Okwesikhashana, amanani okusika aqagelwayo kufanele akhethwe futhi anomugqa wokuguquguquka obanzi kakhulu, okungukuthi, eguquguqukayo kakhulu phakathi kwenani eliphakeme nelincane kakhulu leseshini. Lelisu alinconyelwa unyaka wokungaqiniseki okufana nonyaka we-2020, ngakho-ke into ehlakaniphile kakhulu ukukugwema ukukwenza. Izingozi zale misebenzi ziphakeme kakhulu ngakho-ke akulula ukwenza le misebenzi esikhathini sokungaqiniseki okuningi kakhulu futhi okunjengalokhu esesizokufinyelela emasontweni ambalwa. Akungabazeki ukuthi noma yiliphi iphutha lingakhokhwa kakhulu kusukela manje kuqhubeke.
Ngenkathi kwenzeka okuphambene nalokho, esikhathini esimaphakathi noma eside, izinkampani ezinamazinga amahle okuphatha kufanele zikhethwe, nokuthi ngokuvamile ukukhishwa kwazo emakethe yamasheya akuphakeme kakhulu. Ngenzuzo eyengeziwe yokuthi bavuza umninimasheya ngokukhokha izinzuzo zonyaka, ngomkhawulo wokulamula lokho kuphakathi kuka-3% no-7%. Ngakho-ke, kungaba yindlela engcono kakhulu yokuxhumana nezimali kulo nyaka, ngenxa yobudlelwano bayo phakathi kwemiqondo yengozi nokubuya. Ukube bekungenjalo, bekungaba ngcono ukuya kwezinye izimpahla noma imikhiqizo yezezimali ephephile bese uqinisekisa inzalo engaguquki unyaka wonke. Isibonelo, imali yasebhange yesikhathi esinqunyiwe.
Amathuba amancane ebhizinisi
Okokugcina, kufanele kuphawulwe ukuze abatshalizimali abancane nabaphakathi bakwazi ukwenza isinqumo esihle sokuthi ingqikithi ejwayelekile yezimakethe zezimali nayo ibhekele ukusebenza kulo nyaka. Akufanele ikhohlakale ukuthi ngemuva kokuthi izimali zikhuphukile cishe 60% kusukela ngo-2011Kunengqondo ukucabanga ukuthi amathuba okuthenga ambalwa angavela esikhathini esimaphakathi nasesikhathini eside, noma ngabe njalo ngokunikezwa okukhethiwe nokuqaphelayo okuvela ezinkampanini ezingaba nokuziphatha okuhle phakathi nonyaka omusha wokuhweba.
Ngalesi sizathu, konke okwenziwe emakethe yamasheya kufanele kwenziwe ngokuqapha okukhulu. Ngenhloso enkulu yokuvikela ezimeni ezingavuni izintshisekelo zabatshalizimali abancane nabaphakathi. Ukuba ngomunye wokhiye emphumeleni wokugcina wokutshalwa kwemali ekupheleni konyaka ka-2020. Lapho kuzodingeka ukuthi kubhalansiswe ngayo yonke iminyakazo esiyenzile kulo nyaka omusha wokuhweba. Empeleni, amathemba awathandeki neze, njengoba sibonisile kule ndatshana.