Ngokuqiniseka ukuthi ngezikhathi ezithile uzoba ukhathele ukuhweba emakethe yamasheya ukwenza ukonga kube nenzuzo . Kungenxa yokuthi ukuthambekela kwayo kwehlele phansi, noma kwehla, noma ngoba nje usudinwe kakhulu ngalo mkhiqizo. Yebo, kufanele wazi ukuthi kukhona impilo ngale kwezimakethe zamasheya. Ngokuba nokungapheli kwe- iziphakamiso utshalomali olunganelisa isidingo sakho ngesikhalazo esikhethekile. Kuze kube seqophelweni lokuthi imisebenzi yakho ibe nenzuzo enkulu kakhulu kuze kube manje.
Udinga ukwazi le mikhiqizo yezezimali ukuze uyisebenzise ngesikhathi esithile. Kunoma ikuphi, bazodinga ulwazi olukhulu ngemishini yalo. Ngoba empeleni, kwezinye izimo zinzima kakhulu ukusingatha. Hhayi ngeze, ungahle ube sengozini eyeqile lokho kungabeka engcupheni izikhundla zakho kutshalomali oluthile. Njengoba inhloso eyodwa yazo ukuvikela izimpahla zakho ngaphezu kokunye ukukalwa. Yinto okufanele uyichaze kwasekuqaleni. Ungayikhohlwa ukuze ungathathi isimanga esibi kusukela manje kuqhubeke.
Ngoba impela, elinye lamaphutha amakhulu wabanye abatshalizimali abathengisayo ukucabanga ukuthi bangafaka imali yabo kuphela ekuthengeni nasekuthengiseni amasheya ezimakethe zamasheya. Futhi noma ngabe kuyingxenye ebaluleke kakhulu yotshalo-mali, awukwazi ukukukhohlwa lokho unolunye uchungechunge lwemikhiqizo yezezimali lokho kungaba lusizo olukhulu lapho ufuna imbuyiselo ephezulu eminikelweni yakho yezezimali. Inkinga kuphela ozoba nayo lapho kufanele ubaqashe.
Yini ongayenza ngemali oyongile?
Inhlokodolobha ithuthukiswe kusukela ekuqaleni yinto ebucayi kangangokuba akufanele ushiye noma yini ku-improvisation. Cha, futhi ngalokhu, iyiphi indlela engcono kunokuhlaziya uchungechunge lwamamodeli wokonga angasiza kakhulu nganoma yisiphi isikhathi esithile. Akusho ukuthi uhweba nabo njalo. Kepha kunalokho uyazi ukuthi uzisebenzisa kanjani. Uzohlala uthola isimo lapho zizozwela kakhulu kuhlelo lwakho lokusebenza. Okubaluleke kakhulu, bazokunikeza amathuba amahle kakhulu wenzuzo kunemikhiqizo ejwayelekile.
Inzuzo yokukhetha leli qhinga lokutshala imali isuselwa eqinisweni lokuthi ingakwazi zivumelanise nephrofayili oyivezayo njengomtshalizimali omncane naphakathi. Kokubili kwabasebenzisi abanolaka kakhulu, kanye nalabo abakhombisa ukuqaphela okukhulu ekusebenzeni kwabo nezwe lemali. Ngokuya ngaleli qophelo elibalulekile, uzobe usesimweni esihle kakhulu sokwenza imodeli elungile yokutshala imali ebheka izici zakho. Akumangalisi ukuthi kuzokusiza futhi ukuthi uvikele izikhundla zakho ezimweni ezimbi kakhulu ezimakethe zezezimali.
Kungani kungabi inothi lasebhange?
Vele, akuwona umkhiqizo webhange owaziwa kakhulu kubasebenzisi abaningi. Kepha ingahlangabezana nokufunwa kwamakhasimende alondolozayo kakhulu kwesinye isikhathi noma okunye. Yebo, kunjalo kufana kakhulu nokufakwa kwethemu, kepha ngomehluko omkhulu. Akukodwa ngaphandle kokubona kwezintshisekelo zakho. Ngoba abavuthiwe njengoba kuvame ukwenzeka kumadiphozithi. Esikhundleni salokho, uzobathola ngesikhathi esifanele sokwenza kwabo ngokusemthethweni, njengoba kwenzeka ngesikweletu somphakathi: izikweletu, amabhondi, njll. Lo mnikelo uzokuvumela ukuthi ugcine ukonga okukhulu kwi-akhawunti yakho yokuhlola kusuka ekuqaleni.
Yize umholo wakho usemgqeni ofanayo nowamadiphozithi asebhange, unezinsizakusebenza ezengeziwe zokuwukhulisa. Ngoba kunamabhizinisi amaningi akhipha lo mkhiqizo. Njengoba imigomo yokuphila unwebeka, uzoba namathuba amaningi okuthi imbuyiselo kulondolozo lwakho ifaneleke ngokwengeziwe kuzintandokazi zakho. Yize ungalindeli inkokhelo enkulu engasoze yenzeka esimweni esifana nalesi samanje. Ngesizathu esilula sokuchaza ngoba kubangelwa ukwehliswa kwentengo yemali. Endaweni ye-euro okwamanje iku-0%, njengomphumela wenqubomgomo yemali ye-European Central Bank (ECB).
Izimali ezihwebelana ngemali engenayo engaguquki
Elinye iphutha abanye abatshalizimali abanalo ukuthi bangatshala imali yabo abayongele imali engenayo engaguquki ngemikhiqizo yasebhange nangezimali zokutshala imali ezisuselwa kule mpahla yezezimali. Vele akunjalo, ngoba umkhiqizo ofana nesikhwama esidayiswa ngokushintshisana esigculisa lesi sidingo se- osindisa abengeziwe bokuzivikela. Kuyindlela yokutshala imali eyingxube phakathi kwezimali ezihlangene kanye nokuthengwa nokuthengiswa kwamasheya ezimakethe zezezimali. Kepha ngochungechunge lwamakhomishini ancintisana kakhulu kunalawa macala.
Enye yezinzuzo zokukhetha le modeli eyingqayizivele ukuthi ikuvumela finyelela kuzo zonke izinhlobo zezimpahla zezezimali zalolu hlobo. Sivela kuzo zonke izindawo ezinkulu zomhlaba. Futhi ukuthi ungayibhalisa ngokunethezeka kusuka ekhaya lakho ngokusebenzisa ikhompyutha ekubhange kwe-inthanethi. Ngoba empeleni, okuwukuphela kwesidingo esizofunwa ngu- et ukuba ube iklayenti lebhizinisi futhi ufinyelele okuqukethwe kwalo nge-password. Ngale ndlela, ungakhetha isikhwama esidayiswa ngokushintshisana esivumelana kahle nezimpawu zakho njengomtshalizimali okudayisa. Akukho okunye.
Ukubuyiselwa emuva kwezimakethe ezingezinhle
Kepha kwenzekani uma isimo esikhona njengamanje singavuni ukuhlaziywa kwezimakethe zezimali? Yebo, uma lesi simo sigcwaliseka, akufanele ube nalokho okungenzeka emalini yakho. Ngoba yilokho okubizwa ngokuthi izimali eziphambene zokutshala imali. Lokho wukuthi, uzokwenza izikhundla zakho zinenzuzo ngokuwa kwezimakethe noma izimpahla zezezimali. Akuyona nje kuphela uhlelo oluvumelekile lwesikhwama, Esikhundleni salokho, ingasetshenziswa kuzinsimbi eziqondile, izinto zokusetshenziswa, njll. Kumele uqiniseke nje ukuthi lezi zinto ezinyakazayo zizogcina zikhula.
Ngaleli su lokutshala imali ungathola imali eningi. Impela ngaphezu kweminye imikhiqizo yezezimali. Kepha qaphela kakhulu ngezinhloso zakho zokuziqasha, ngoba futhi ungadala ukulahleka okukhulu. Ngaphezu kwalokho ongakucabanga kusukela ekuqaleni. Kungenxa yalokhu kuhlukahluka okufanele uhlaziye ngokujulile uma kufanelekile ukukhetha le ndlela eyingozi. Abatshalizimali abanolaka kakhulu kuphela abazoba sesimweni sokusebenzisa lezi zindlela ezinqumweni zabo.
Ukuhlanganisa nediphozi yethemu
Amabhange, ukugcina amakhasimende awo, akhe amanye amafomula ahlukene ukuze ukwazi ukwenza izimpahla zakho zinenzuzo. Futhi enye yazo ivela ezinteleni ezixhunyaniswe nezimakethe zezimali. Le ndlela ikuvumela thuthukisa amamaki wenzuzo leyo mali ikunikeza okwamanje. Kepha ngokushintshana ngochungechunge lwezimo ezizokwenzeka. Phakathi kwabo, ukuthi intengo yezibambiso noma ama-stock indices afinyelela kulitshe. Okuthile okungelona iqiniso ngaso sonke isikhathi, kude nakho.
Kunoma ikuphi, ikhiqiza ifayili le- inzalo emisiwe futhi eqinisekisiwe. Yize kuyaqabukela kweqa isithiyo esingu-1%. Kepha kuzokusiza ukukhulisa isikhwama sokonga esikhathini esimaphakathi noma eside. Ngoba empeleni, bacabanga ngezikhathi eziphakeme zokuhlala unomphela kunezinkolelo zendabuko. Zisukela eminyakeni emibili kuya kwemine, futhi azikwazi ukukhanselwa, ngokwengxenye noma ngokuphelele. Ukuba ngenye yezinkinga zokuqasha. Ngaphezu kwalokho, akusho ukuthi yiluphi uhlobo lwamakhomishini, noma izindleko ekuphathweni noma ekuphathweni kwayo.
Izinketho zesikhathi esizayo: eziyinkimbinkimbi ngokwengeziwe
Imiklamo yezezimali ivuselelwa ngendlela yokuthi nemikhiqizo esezingeni eliphezulu futhi enolaka inikwe amandla. Azenzelwe noma iyiphi iphrofayili yomtshalizimali. Kepha kunalokho, banabamukeli babo abakhulu kwabanolwazi kakhulu. Ngesizathu okulula kakhulu ukusichaza futhi lokho kungenxa yokuthi izingozi zikhulu kakhulu. Ngaphezu kweminye imikhiqizo yezezimali, okubandakanya ukufaka imali emakethe yamasheya. Abathambekele kakhulu kuwe ukuthi unikele ngemali eningi. Ukwehlisa iminikelo yakho, izinkathazo zakho zizoba mbalwa kusukela manje.
Lawa akuwona amamodeli azosebenza ngokujwayelekile. Kepha ungakusebenzisa ngesikhathi esithile. Kepha akukho okunye ngoba ungashiya ama-euro amaningi endleleni. Ngisho nengxenye ebaluleke kakhulu enhlokodolobha etshaliwe. Yini enye, kufanele wazi ukuthi injani imishini yayo. Lokho wukuthi, ukuba nolwazi olubanzi ekusebenzeni. Uma ungahlangabezani nalezi zidingo, kungcono uyeke lo mzamo. Ngoba kungenzeka ukuthi uzofinyelela ezinhlosweni zakho, uma kungenjalo kuphambene impela.
Njengoba kungenzeka ubonile, kukhona impilo ngale kwesikhwama. Manje kufanele ukhethe enye indlela engcono yokwanelisa ukufunwa kwakho. Lapho kufanele hlanganisa inzuzo eyandisiwe nokuvikelwa kokonga. Akungabazeki ukuthi kuzoba ukhiye wokwenza yonke imisebenzi ibe nenzuzo. Vele, unezinketho zokufinyelela lo mgomo, kepha inzalo ezofaka isandla ku-akhawunti yakho yokuhlola izoncishiswa. Kunoma ikuphi, akusona isinqumo esilula ukusithatha. Kepha ngokuphambene nalokho, uzodinga ukuhlaziywa okuningiliziwe, hhayi kuphela ngemikhiqizo evunyelwe, kepha futhi nangezidingo zakho zangempela emhlabeni wokutshala imali.