Uma kukhona noma yikuphi ukusebenza okubaluleke kakhulu ukunquma impumelelo yotshalo-mali lwakho, lokho ngeke kube okunye ngaphandle kokuthengisa okwenzayo ezimakethe zamasheya. Futhi ikakhulukazi kuzobaluleke kakhulu, hhayi kuphela ukukhulisa utshalomali, kepha uku vikela imali oyongile I-ante ikakhulukazi izimo ezingezinhle ngezintshisekelo zakho. Kufanele wazi ukuthi uzolikhipha nini i-oda lakho lokuthengisa, futhi ngaphansi kwaziphi izimo.
Ngokuqiniseka okuphelele lokho umehluko wokusebenzisa ukuthengisa okuhle kulowo ongathembekile uzoba mkhulu kakhulu, futhi kuzoba nama-euro amaningi asengcupheni, okungafanele uwaxolele ngaphansi kwanoma yiziphi izimo. Impela ngaphezu kwesisodwa emlandweni wakho njengomtshalizimali omncane uzobe uzibuze ukuthi kungani ungawenzanga lo myalelo, futhi ngale ndlela ubungazisindisa ezinkingeni eziningi ngoshintsho. Kusukela manje ngeke usaba nezaba zokuphinda lesi simo esingemnandi.
Isincomo sokuqala sokwenza ngempumelelo imisebenzi yakho ezimakethe zamasheya ukwazi ukuthi nini, futhi kufanele uthengise amasheya akho ngaphansi kwaziphi izimo ezimakethe zamasheya. Kwezinye izimo, kuzoba nje ukuvala ukusebenza futhi ujabulele izinzuzo ezinkulu ezenziwa kusuka ekusebenzeni kwakho. Kepha kwezinye izimo kuzoba nzima ngokwengeziwe, futhi inhloso yayo enkulu kuzoba ukuvikela izimali ezitshaliwe, ngisho nokuvimbela ukulahleka ukuthi kungabi namandla futhi kufakwe ngokuqinisekile ngesikhathi sokuhweba esilandelayo.
Kodwa-ke, lesi sinqumo, esizoba ngesomuntu uqobo, sizoncika kokunye okuguquguqukayo okungaxhunyanisiwe nezimakethe zezimali, kungasaphathwa intengo yesabelo. Ngakolunye uhlangothi, iphrofayili oyethula njengomtshalizimali othengisa. Uma unolaka, uyakhathalela noma uphakathi nendawo kuzonquma ngendlela ethile ukuthengiswa kwe-oda. Njengegama lapho uqondisa khona utshalomali lwakho: olufushane, oluphakathi noma olude. Ngokuya ngazo zonke lezi zinto, nokunye okunye ozokuthola kulesi sihloko, kufanele uthuthukise ukuthengisa kwakho ezimakethe ngandlela thile.
Ukukusiza ukuthi wakhe isu elilungile lokutshala imali, ngeke kube khona okunye ongakwenza ngaphandle kokulandela uchungechunge lweziqondiso zezinyathelo ezizosiza kakhulu ngaso sonke isikhathi lapho uhlela ukuvala ukusebenza. Ngaphezu kwalokho, ngeke kukubize kakhulu ukukusebenzisa, ngoba kunikwe amandla kuzo zonke izinhlobo zabatshalizimali.
Eminye yayo ingahle i-intuited, noma isetshenziswe kwesinye isikhathi empilweni yakho. Kepha impela lokho abanye bazoba ngabangaphandle kokuziphatha kwakho okujwayelekile, kepha lokho kungakukhipha ezinkingeni ezingaphezu kweyodwa ebudlelwaneni bakho nezimakethe zezimali. Ngisho nasezindleleni zangempela, nokuthi ubungazi.
Ukhiye wokuqala: hlela ukumelana
Iphuzu lokuqala lesethenjwa lokwenza ama-oda wokuthengisa ukuvala ekusondeleni kwezinga elithile elibalulekile lokumelana namanani. Ngokuvamile misa ukwenyuka kwezokuphepha ezithintekile, futhi lokho kungaba yisiginali yokwenza ukulungisa okubalulekile kusuka kulawa mazinga. Kodwa-ke, uma ukumelana kunqotshwa, amandla wokubuyekeza makhulu kakhulu. Yize kungafanele uzifake engcupheni ngokweqile, futhi kufanele ukhethe ukusebenzisa ukuthengisa ukuze ujabulele ukuzuza kwemali etholakele.
Ngokufanayo, izesekeli ngamanye amazinga abaluleke kakhulu otshalomali lwakho. Akumangalisi ukuthi lapho ephulwa, azoba izaba ezifanele zokuthi uvale ukusebenza ngokushesha. Ngaphandle kokuthi uzichaye ekulahlekelweni okuqongelela iphothifoliyo yakho yokutshala imali unomphela. Ngakho-ke ukubaluleka kokuthi uhloniphe lawa mazinga avezwa amanani, futhi ngokususelwa kuwo wenza ukuthengisa kwakho kube semthethweni ezimakethe zezimali.
Ukhiye wesibili: lapho ubhekene nezidingo zemali
Uma utshalomali lwakho ludala inzuzo, futhi kunoma yisiphi isimo, udinga imali ukuze ubhekane nezindleko zomuntu siqu: izikweletu kubantu besithathu, ukukhokha izikweletu, noma ukukhokhela uhambo olulandelayo nomndeni wakho, akufanele uvumele isikhathi sidlule futhi uthengise amasheya akho. Akufanele uzame ukukhama iningi lenzuzo yemali engase ikhiqizwe, ngoba noma yikuphi ukubuyela emuva ezimakethe zezimali kungonakalisa inzuzo yakho emakethe yamasheya.
Ukhiye wesithathu: ngemuva kokubuyekeza okukhulu
Esimeni lapho amasheya akho ekwazile ngenxa yokwenyuka kwesikhathi eside, kuzoba ngesinye sezikhathi lapho kufanele ume khona ukuvala ukusebenza. Hhayi ngeze, uzibeka engcupheni yokuthi amasheya ajwayele ukulungisa amanani awo, ngisho nangendlela emakwe kakhulu. Kufike eqophelweni lokukhawulela, noma ukukhansela, ingxenye yenzuzo yakho. Akufanelekile ukuqhubeka nezikhundla ezivulekile ezimakethe zamasheya.
Ibaluleke kakhulu amazinga athengwe ngokweqile, ezinikeza izinkomba ezicace bha zokuthi kumaseshini alandelayo ukuthengisa kuzodlula ukuthenga. Kungenye yezimo okufanele zikubandakanye ukuqedela imisebenzi, noma okwesikhashana. Noma kungenzeka ukuthi kamuva ungabuyisa amasheya, kepha ngamanani ashibhile.
Ukhiye wesine: ngaphambi kwanoma iluphi uphawu lobuthakathaka
Konke kungakuhambela kahle kuphothifoliyo oyitsalile eminyakeni embalwa edlule. Kepha uma kwenzeka kukhona ubuthakathaka, kungaba ezimakethe zamasheya, noma enkampanini onamasheya kuyo, kuzokusiza ukuthi uhlehlise amasheya akho ngokushesha okukhulu. Hhayi ngeze, kungahle kube ukuqala kokunyakaza kokulungisa ngamandla amakhulu.
Elinye lamasu awusizo kakhulu wokuhlola lesi simo lizohlala ngokuthi ubuncane bentengo yalo luzokwehla. Konke uphawu oluzosho ukuthi ushintsho kuthrendi seluhleli ngokuphelele kunani olithathile. Isixazululo esihle kunazo zonke sizoqala kusuka ku-oda olinikeze ibhange ukuthengisa ukubamba kwakho iqhaza.
Ukhiye wesihlanu: ukwenza ngaphandle kokuhaha
Ungazami ukuphoqelela inzuzo emalini, futhi ngalokhu lelo zwi elidala elisetshenzisiwe liyalwa ezimakethe zamasheya futhi lisho lokho "I-euro yokugcina izothathwa ngomunye umuntu". Iseluleko esihle, ngokungangabazeki esizokusiza ezikhathini ezingaphezu kwesisodwa, futhi nabatshalizimali abanolwazi kakhulu abangafakazela ngaso maqondana nokusetshenziswa kwaso kanye nezinzuzo okubenzela yona.
Ngakolunye uhlangothi, kungcono ungasheshi ohambweni lwe-stock, kunokuba ubhajwe emakethe. Futhi ukuthi lesi simo singaholela ekutheni uthengise kabi, iningi lazo linokulahleka okukhulu okuzocindezela izimpahla zakho. Ukugwema lawa macala, ajwayelekile kakhulu kubatshalizimali abathengisa, isu elihle kakhulu lokuvikela izintshisekelo zakho lizoba ukufaka isicelo sokuthengisa esikhawulela ukulahleka. Kuzokwenzeka ngokulahleka kwesitophu okwaziwayo, okuzokusiza ukufeza izinhloso zakho.
Ukhiye wesithupha: yamukela amaphutha enziwe
Kungenzeka ukuthi ekugcineni konke kube lula njengoba wenze iphutha ekukhetheni izibambiso ezakha iphothifoliyo yakho yokutshala imali. Noma umane izingcaphuno zabo azihambi njengoba ubulindele ekuqaleni. Esimweni esinjalo, kuzofanele uvume iphutha bese uthengisa amasheya ngqo, ukulahlekelwa yimali ekusebenzeni. Ngeke kube nokukhetha uma ungafuni ukuthi isimo sakho singabi mnandi ezintweni ozithandayo.
Ngaphezu kwalokho, kuzokusiza ukuqondisa kabusha isu lakho lokutshala imali kwezinye izinkampani ezibalwe, ezinamathuba amahle okukhula ngamanani azo. Futhi onganciphisa ngayo ukwehluleka kokuxhumana kwakho kwangaphambilini nezimakethe. Ngisho, ungakhetha ukuvikeleka okunenzuzo ephezulu kakhulu yezabelo, kuze kufike ku-8%. Bazonxephezela ukulahlekelwa okuqoqiwe ngesenzo sangaphambilini.
Ukhiye wesikhombisa: hlela entengo yangempela yamasheya
Enye yemingcele yenhloso yokuthengisa izikhundla zakho ngamanani kuzoba ukuthi lapho amasheya esondele entengo yawo, lokho kuzoba isikhathi lapho kuyodingeka uwasuse. Ngale ndlela, imininingwane enikezwe ngabathengi izokusiza ukuthi uthuthukise inqubo yokuthengisa. Kuyaqabukela kudlule ukufakwa kuhlu kwabo ngaphezu kuka-10%. Ayifanele ingozi uma ufika kula mazinga.
Enye into ehluke kakhulu ukuthi utshalomali lwakho lubalwe kude kakhulu nalezi zintengo, lapho amamegi okuqhubeka khona ezikhundleni zakho ezoguquka kakhulu. Futhi ngokuhamba okwanele ukuthola izinhloso ezifunwayo kusukela ekuqaleni.
Ukhiye wesishiyagalombili: balekela izindaba ezingezinhle
Ebhekene nanoma yiziphi izindaba, noma umcimbi ophawulekayo othinta intengo yamasheya akho, isu elisheshayo lokuvikela ukonga ngeke libe elinye ngaphandle kokuthengisa amasheya. Kulezi zimo, ezivame kakhulu ezimakethe zezezimali, akuyona into engavamile ngabalamuli abakhulu ukwenza izibuyekezo ezehlayo kumanani abo abhekiwe.
Futhi izindaba ezingezinhle mayelana ne- ukuvela komnotho womhlaba zidluliselwa emanani entengo ezinkampani, ezehla ezinsukwini ezimbalwa zokuhweba. Vele ungayilungisa, uma ngaphambi kokuvela kwezimpawu zokuqala zobuthakathaka ezimakethe, ekugcineni unquma ukuvala zonke izikhundla ozivule ngaleso sikhathi.
Ukhiye wesishiyagalolunye: onezimpawu zokukhathala
Izikhathi eziningi umuzwa womtshali zimali uqobo unquma ukubona ukuthi amanani ezabelo azoguquka kanjani emasontweni ambalwa ezayo. Kuze kube bafinyelela esiphethweni sokuthi inani okukhulunywa ngalo linokuhamba okuncane, noma okungenani, ukuthi amandla alo wokubonga aqediwe. Lesi akusona isikhathi sokubeka engcupheni izikhundla zakho zokuthenga.
Izimpawu ezibonisa lesi simo, ngakolunye uhlangothi, ingaboniswa kahle ngegrafu. Kuboniswa, uma kunesidingo, ukukhombisa ukuthi izikhundla zabathengisi zibekwa kanjani ngokusobala kubathengi. Ngeke kuzuze ukuhlala emakethe, noma ngabe izikhundla zakho zingabanqobi ngempela. Ngokwalo mbono, ukuhlaziywa kwezobuchwepheshe kuzoba ithuluzi elihle kakhulu onalo lokuthola lezi zimpawu eziqeda amandla.
Unganginika amanani athile ukuze ngithenge?
Konke kuzoncika kuphrofayela yakho, kepha empeleni inani elithile linenzuzo enhle yokukuvikela. Ngiyabonga kakhulu, futhi nizoba nemikhondo ethile ezindatshaneni ezilandelayo.