Ukutshala imali emakethe yamasheya bekulokhu kukholakala ukuthi kwaklanyelwe ukwenza ukonga ngokushesha kube nenzuzo. Futhi imigomo emifushane, iba ngcono ngezintshisekelo zakho. Kepha kunezinye izindlela noma amasu okuhweba ezimakethe zamasheya, ezingakwazi zisebenzela ukudweba uhlelo lokonga eminyakeni embalwa ezayo. Akuvamile kangako ukuthatha le ndlela ngamanani, kepha noma kunjalo sizokufundisa kule ndatshana, uma kwenzeka ufuna ukugcina la maqhinga kuzimali zakho ozitshalile.
Njengamanje kunzima kakhulu ukwenza leli qhinga ngenxa yokungazinzi okwethulwe izimakethe zezezimali eminyakeni edlule. Kodwa-ke, uma ochwepheshe bemakethe yamasheya bevumelana ngento eyodwa, yilokho ngokuhamba kwesikhathi uhlala wenza imali emakethe yamasheya. Lesi simiso asihlali sigcwaliseka ngaso sonke isikhathi, ikakhulukazi ngokuphepha okuyinkimbinkimbi kakhulu okukuhlu kuzinkomba eziyinhloko zomhlaba jikelele.
Kunoma ikuphi, kunezindlela ezingaphezu kweyodwa zokwakha isikhwama sokonga kusuka emakethe yamasheya futhi ukwazi ukusithokozela eminyakeni eminingana. Ngenhloso echazwe kahle, futhi lokho akuyona enye ngaphandle kokukhokhela izindleko zalokho okufunwa nguwe ngokuhambisana okuthile: ukuthenga imoto noma isithuthuthu, uhambo olukhethekile lokuchitha amaholide, noma nokuguqula ikhaya. Uma usebenzisa umugqa wesenzo ocacile uzokwazi ukufeza izinhloso zakho. Yize ubeka isiyalo esiqinile ekunyakazeni kwakho ngamanani.
Khetha amasheya azivikelayo
Kuze kube yiminyaka embalwa edlule, nangaphambi kokuba kudaleke inkinga enkulu yezomnotho endaweni enkulu, bekukhona uchungechunge lwamagugu abizwa ngamabhange e-piggy. Lokhu bekungenxa yokuthi bagcine ukuzinza okujulile kwikhotheshini yamanani abo. Ukubuyekezwa kwayo bekungamangalisi nakancane, kuhamba emaphethelweni amancane kakhulu. Kodwa yini eminyakeni edlule bakwazile ukuthola izimbuyiselo ezincane kulondolozwe imali.
Izingxenye zalo zivela emikhakheni evikela kakhulu, kunezimanga ezimbalwa ezitatimendeni zayo zeholo: izinkampani zokudla, izinkampani zikagesi, ngisho nebhange elincane elingajwayelekile. Izenzo zabo maningi amathuba okuthi babe ngabamukeli bokulondolozwa kwalabo abathathe umhlalaphansi, futhi ekugcineni, kwabatshalizimali abancane abangafuni ukuhlushwa ukwethuka emakethe yamasheya. Futhi bakhetha amamodeli aphephe kakhulu okutshalwa kwezimali. Futhi lokhu kungenye yezindlela ezinhle kakhulu zokwakha isikhwama sokonga esikhathini eside, noma okungenani esikhathini esimaphakathi.
Ngaleli su elikhethekile lokutshala imali akunzima ukuthuthukisa isikhwama sokonga kule minyaka embalwa ezayo. Kodwa-ke, kuya ngokuya kube nzima ukuthola ukuphepha kwalezi zici, kungasaphathwa ukuthi bangatholi ukwehla okukhulu kunqubo yokutshalwa kwemali. Noma kunjalo, lawa magugu asekhona. Ziyisicefe kakhulu kwisilinganiso sabo nezikhuthazo zokuthatha izikhundla kuzo azihehi ngempela. Akumangalisi ukuthi bavame ukuthuthukisa ukunyakaza okufishane kakhulu ngezikhathi zokuhweba. Ngokuhluka okuncane kumanani abo.
Isu lakho eliyinhloko ngalezi zinhlobo zamanani kufanele kubhekiswe kulo yenza imisebenzi enenzuzo esikhathini esimaphakathi noma eside cishe ku-3% cishe. Ngalokhu, uzoba nemali edingekayo yokwenza izindleko ezithile eminyakeni embalwa. Kunoma ikuphi, akufanele ubalandele njalo njengasemisebenzini yesikhashana, kepha zihlukanise nokuqapha kwabo okujulile. Vele, inqobo nje uma kungenzeki lutho olubalulekile enkampanini, lokho kungaba yisizathu sokuhlehlisa izikhundla zakho emakethe yamasheya.
Yonga ngezabelo
Indlela elula nenenzuzo enkulu yokwanelisa lesi sifiso sokuqala ukushintshaniswa kokonga inesimo sayo esihle kakhulu kwizabelo. Hhayi ngeze, ungathola ukubuyiselwa okujwayelekile minyaka yonke cishe nge-5%. Ungawaqoqa ngezindlela ezahlukahlukene, ngekota, ngekota yonyaka noma ngonyaka, kuya ngenqubomgomo yenkokhelo yenkampani.
Kuyisu elijwayelekile kakhulu kubatshalizimali abancane ukwenza inzuzo ngokulondolozwa kwabo ngendlela efanelekile yezintshisekelo zabo. Empeleni, imali engaguquki idalwa ngaphakathi kokuguquguqukayo. Futhi ngenzuzo ephezulu kunaleyo enikezwa yimikhiqizo eyonga kakhulu (amadiphozithi, amanothi ezethembiso zasebhange, amabhondi, njll.), Angavamile ukudlula umkhawulo ongu-1%.
Yimali ezoya ngqo kwi-akhawunti yakho yokuhlola minyaka yonke, ngaphandle kokuthi ulinde ukuvala izikhundla emalini. Futhi nokuthi bazokunikeza wena kungakhathalekile ukuthi intengo yayo izimakethe zamasheya. Ungazivumela nokuthi ulahlekelwe emakethe yamasheya, ozohlala uphikisana nokuqoqwa kwale nkokhelo. Inani elikhulayo labatshalizimali bakhetha le modeli yokutshala imali ukwenza izimpahla zabo zinenzuzo.
Uzofika esiphethweni sokuthi uzokwazi ukuthola ingcosana yemali yakho oyilondolozile ngemuva kweminyaka eminingi. Udinga nje ukuthatha umshini wokubala wenze izibalo kumholo wakho eminyakeni engaphezu kweyishumi ebonwayo. Ambalwa amadizayini wokutshala imali akunikeza le mbuyiselo. Futhi okuhle kunakho konke, kuqinisekiswe ngokuphelelengaphandle kokuvela kwamasheya ayo ezimakethe. Kungenzeka ukuthi kusukela manje unentshisekelo yokungenisa le modeli yokonga ezinikezwa yimali.
Iphothifoliyo yesikhwama sokutshala imali
Enye indlela onayo okwamanje, futhi ngaphansi kwezindlela ezithakazelisa kakhulu zezintshisekelo zakho ivela kulezi imikhiqizo yezezimali. Unethuba elihle lokuthi ungakhetha ifomethi: imali engenayo engaguquki, eguquguqukayo, noma exube okunye. Kuzodingeka uthole ukhiye ovumelana nephrofayili yakho njengesilondolozi. Futhi ngokususelwe kulokhu, yakhela iphothifoliyo yokutshala imali engaba yinzuzo enkulu eminyakeni embalwa ezayo.
Uzobe ubhekene nomkhiqizo, njengezimali zokutshala imali, ezenzelwe ngokukhethekile ukuzigcina iminyaka eminingana, hhayi njengokutshala imali okukodwa ngokunyakaza okusheshayo. Ngalokho usuvele unemisebenzi ezimakethe zezimali. Futhi ungathola ezinye izimali ezikhokha izinzuzo phakathi kwabahlanganyeli. Yize zingeke zibe ziningi namamodeli, futhi noma kunjalo ngaphansi kwamanani asikisela kancane kunalawo atholakala ngokusebenza kwakho emakethe yamasheya.
Ngalolu hlobo lokutshala imali uzobe wenza isikhwama sokonga unomphela, nokuthi ungakwazi ukuphatha nge ukwelashwa okuhle kakhulu kwentela. Ngokudluliselwa phakathi kwezimali zokutshala imali, ongazenza ngokungenamkhawulo, futhi ngaphandle kwezindleko zomnotho. Ukuvuselela iphothifoliyo ngokuya ngezehlakalo ezikhula emnothweni: ukukhula komnotho, amazinga wenzalo, ukwehla kwamandla emali, njll.
Kuyiqiniso ukuthi ngezimali zamasheya izimbuyiselo zizoba ngaphezulu. Kepha ngengozi ephezulu ekusebenzeni, kusukela akuqinisekisi noma iyiphi inzalo. Futhi ungalahlekelwa yimali uma ukuvela kwayo kungathandeki. Indlela engcono kakhulu yokuvikela ukonga ukwehlukanisa ngemikhiqizo ehlukile. Futhi noma kunjalo, akufanele uzitshale esikhwameni esisodwa sokutshala imali, noma ngabe sizinzile kangakanani. Kungobunye ubungozi ongalingeka kukho ngesikhathi esithile.
Amabhasikidi wamasheya kumadiphozithi
Imali yesikhathi ibuye ixhunyaniswe namasheya kwamanye amafomethi enziwe ngamabhange. Njengecebo lokuthuthukisa amamaki wenzuzo yakho. Kepha kulokhu kunzima kakhulu ukuklama isikhwama semali seminyaka eminingi ngenxa yokuhlala unomphela kwale mikhiqizo yasebhange. Iningi lediphozi yalezi zici linikeza okunye imigomo yesikhathi esingajwayelekile ukudlula iminyaka emi-4 noma emi-5.
Uma izinhloso zakho zingafuneki kangako, futhi ulungiselela isikhathi esiphakathi nendawo, zingaba ngenye yezindlela ongakhetha kuzo ukwenza imali oyongelayo izuze. Noma kunjalo kulokhu, izidingo ezithile kufanele kuhlangatshezwane nazo ekufakweni kuhlu kwala mabhasikidi wamasheya. Ezinye ngokungagwegwesi kunzima ukuzifeza. Uma izinhloso zingafinyelelwanga, uzoba nenzalo eqinisekisiwe kuzo zonke izimo. Kepha kusikisela okuncane kakhulu, ngoba akudluli ku-0,50% ngonyaka.
Izikhiye zokwenza ngcono ingcebo yakho
Kuyinjongo enkulu yabatshalizimali abancane, kepha izifiso zabo azifezeki ngaso sonke isikhathi. Uma ungafuni ukwenza amaphutha okuholela ezimeni ezingafuneki, ngeke ube nenye indlela ngaphandle kokusebenzisa uchungechunge lwezincomo ezizosiza kakhulu kusukela manje kuqhubeke.
- Bheka imikhiqizo leyo uvikele kangcono imali oyongile ezimweni zokuguquguquka okukhulu, yize ukusebenza kwayo kuphansi kakhulu.
- Balekela ukuqasha a umkhiqizo wezezimali kuphela, uzama ukunikeza izixazululo ezahlukahlukene emalini yakho. Futhi iyiphi indlela engcono yokufeza lokhu ngaphandle kokwehlukanisa imali.
- Akudingekile ngokuphelele ukuthi utshale imali yakho kwizimali, ngoba kukhona eminye imikhiqizo yokuncintisana kakhulu ekude nalezi zimakethe.
- Tshala imali kuphela imali ongeke uyidinge isikhathi eside, ukuze ngale ndlela ungadingi ukwenza imisebenzi emibi ngaphambi kwesidingo kuma-akhawunti akho.
- Zama ukuthola ukwakheka kwezezimali okungukuthi ivumelaniswe nazo zonke izimo zezomnotho, kusuka ekukhululeni kuye ekucengeni komnotho. Uzobe uzolile ngalezi zinhlobo, okungekuncane.
- Kubantu asebekhulile kungakuhle ukuthi lezi zimali zokonga zisebenzele engeza impesheni yakho, ukuze babe namandla amakhulu okuthenga eminyakeni yabo yegolide.
- Ungazami ukusheshisa ngokweqile inzuzo yale mikhiqizo, ngoba ingakudonsela ezimeni ezingafuneki, noma ubhalise amamodeli wokutshala imali anzima kakhulu.