Uma ufuna ukwenza yonke imali oyongelayo izuze, awudingi ukukhawulela isenzo sakho ekuthengeni nasekuthengiseni amasheya emakethe yamasheya. Ngoba impela, kukhona impilo engaphezu kwamanani ezamazwe omhlaba. Futhi iyiphi indlela engcono kunokukhetha i- amamodeli angajwayelekile, njengasekuqaleni. Ngisho nokuqanjwa okusha ongakuthola njengamanje. Ukufika ezingeni lokuthi bangakusiza uthuthukise inzuzo yeminikelo yakho yemali.
Kuyiqiniso ukuthi ezinye izindlela zilinganiselwe. Kepha okungenani uzoba nombono ongajwayelekile wokufeza izifiso zakho ngezinye iziphakamiso zokutshala imali. Noma kunjalo, zizodinga okuningi nangaphezulu ulwazi olujulile ngezimakethe zabo. Isici esizothonya ukuthi akuwona wonke amaphrofayili wabatshalizimali abancane nabaphakathi abazozwela ekusebenzeni kwabo. Kepha kunalokho, kuphela abakhethiwe abazoba yibo abanamathuba amaningi okuvula izikhundla kwezinye zalezi zimpahla zezezimali.
Kunoma ikuphi, kuzohlala njengenye indlela yangempela yokutshala imali. Ukuthi ungayenza isebenze nganoma yisiphi isikhathi, noma ezikhathini ezingezinhle neze ezimakethe zezezimali. Lapho uhlala udinga ukuya kwezinye izindawo ngaphandle kwemakethe yamasheya ukuhambisa ibhalansi etholakalayo ku-akhawunti yakho yokuhlola. Ngokuqinisekile iziphakamiso ezingaphezu kwesisodwa sezezimali uzomangala ngokuvela kwayo okuphezulu. Kepha qaphela kakhulu, ngoba bangathwala izingozi eziningi kunesidingo. Njengoba uzobona kusukela manje kuqhubeke.
Olunye utshalomali: qala
Vele, omunye wemibono oyela ngasocansini empeleni kungenxa yalokhu kukhetha. Ngokuxhumana nalawa ma-ejenti ezezimali ukutshala kusuka manje kuqhubeke nge ukukhula okuphezulu okungenzeka. Mhlawumbe ngesikhathi esithile ngenhla kwembuyiselo enikezwa kusuka ezimakethe ezijwayelekile zezezimali. Ngezindlela ezihluke ngokuphelele kulezo ezikhiqizwe ngamasheya oxhunyaniswe kakhulu kuwo. Noma kunjalo, awunakuzikhethela ngaphandle kokuthatha izingozi eziningi ukufeza izinhloso zakho.
Kususelwa kusu elilula nelisebenza ngempumelelo njengoba kuseshwa amaphrojekthi webhizinisi anemodeli yebhizinisi esebenzayo futhi anamandla okukhula okunikeza inzuzo kubatshalizimali bawo. Zingaqhamuka imikhakha ehlukene yebhizinisi ngisho nangendlela ehluke ngokuphelele. Lapho ungabasiza bathathe isinyathelo sabo sokuya phambili, kuyilapho wena ngokwakho uthola umvuzo ngomphumela wezimbuyiselo ezingatholwa yikhapitali etshaliwe.
Kodwa-ke, akuyona inqubo elula noma engenazithiyo. Vele, akunjalo, ngoba okokuqala kufanele ucele kulabagqugquzeli imibhalo ephelele ekhombisa isimo samanje nesilindelekile sephrojekthi. Lokhu yilokho okubizwa ngokwezimo zebhizinisi uhlelo lwebhizinisi. Njenge- isimo sezimali nezomthetho kanye nolwazi lweqembu eliphethe ukuqala iphrojekthi. Ngokunjalo, isiphakamiso sabagqugquzeli kulokho abahlose ukukuphakamisa akufanele ngabe sishoda nganoma yisiphi isikhathi. Kungenzeka kube nokuqoqwa kwezintshisekelo kuzo zombili izinhlangothi. Bafuna imali yabo, kuyilapho abatshalizimali benza imali yabo inzuzo kuphela. Uma kunokwenzeka ngaphezu kweziphakamiso eziyinhloko zokutshalwa kwemali.
Faka imali futhi esitinini
Enye indlela ehlukile futhi esebenza kahle yokwenza ukonga kwakho kube nenzuzo kusekelwe ekubuyiselweni komkhakha wezezakhiwo. Kepha ngendlela ehlukile futhi ngaphezu kwakho konke okusha. Ukungatshali imali esitokisini salezi zici. Cha, kepha ngezinkampani ezintsha kakhulu ongafaka kuzo imali ukwenza inzuzo. Ngokubonga okungakhiqizwa kusuka ku- ukuthengwa kwempahla.
Le misebenzi ingenziwa ngokusemthethweni ngemali encane, kusuka kuma-euro ayi-100 kuphela uma lokhu kuyisifiso sakho esifiselekayo. Ngenzuzo yokuthi ungahlehlisa izikhundla zakho nganoma yisiphi isikhathi ofuna ngaso. Futhi ngale ndlela, uthola imali yakho kanye nezintshisekelo zayo ezihambisanayo. Ngoba impela, esikhathini esimaphakathi nesikhathi eside lapho izinzuzo zingaba mnandi kakhulu kusukela manje kuqhubeke. Ngenzuzo engamela i-10% noma ngisho nephesenti eliphakeme futhi ngenxa yalokho ukwaziswa kwempahla.
Zimbalwa iziphakamiso zalezi zici ezikhona emakethe yomkhakha. Kepha ukushintshanisa ngenqubo yokwandiswa ekufikeni kwalezi zinhlobo zokutshala imali. Ngokuphambene nalokho, esikhathini esifushane, amathemba akho okuthuthukisa ukubuyiselwa kwemakethe yezimali aphansi kakhulu. Ngamamajini wokufaka i-akhawunti yakho yokuhlola kungadluli ku-2% noma ku-3%. Futhi noma kunjalo, kuphakeme kakhulu kunalokho okunikezwa yimikhiqizo yasebhange eyinhloko (imali yesikhathi esimisiwe, amanothi ezethembiso noma amabhondi ezinkampani, phakathi kokufanele kakhulu).
Amapulatifomu aku-inthanethi: anezingozi eziningi
Uma ungesabi ingozi, lokhu kungaba yindlela yakho enhle. Lokhu kungukusebenza okunolaka kakhulu kuzo zonke izimakethe zezezimali. Kwenziwe nangosuku olufanayo. Lapho ungathola khona okuningi, kepha imali eningi, kepha futhi ilahlekelwe ngamandla afanayo. Uzodinga izinga eliphakeme lokufunda ukusebenza nalolu hlobo lwemikhiqizo yezezimali. Kuzoba yisiqinisekiso esihle kunazo zonke ukuze ungazenzi budedengu okungabeka ibhalansi ye-akhawunti yakho yokonga engcupheni.
Enye yezinzuzo le modeli ekhethekile yokutshala imali ezokulethela yona ukuthi ungavulela izikhundla ngamanani aphansi kakhulu kuwo wonke amakhaya. Ngokushintshana kunjalo bajeziswe ngezindleko ekuphathweni kwabo namakhomishini aphezulu kakhulu. Ngaphezu kwalokho kusetshenziswe kwimikhiqizo ejwayelekile. Isibonelo, ezimweni zokuthenga nokuthengisa amasheya, izimali zokutshala imali kanye nokuthengiswa kwesikweletu. Awukwazi ukukhohlwa lesi sici ukuhlela isabelomali sakho.
Lesi sigaba samapulatifomu aku-inthanethi siyanda eminyakeni yamuva futhi ungathola okungaphezulu kwesisodwa okungahambisani nezinyathelo zokuphepha ezidingekayo. Kungenye ingozi eyengeziwe yokuthi le misebenzi yezezimali ehlukaniswa njengengozi enkulu ifaka phakathi. Lapho kunesigaba samaphrofayli okungabhekiswe kubo iziphakamiso zabo zokwenza ifa libe nenzuzo. Kunoma ikuphi, ngeminikelo yemali engatheni. Ukuvikela izikhundla zakho njengomtshalizimali omncane naphakathi oyikho.
Ukuboleka imali kubantu ngabanye
Enye indlela entsha yokwenza ukonga kube nenzuzo ukuhlinzeka umugqa wesikweletu kubantu abawudingayo. Ihanjiswe ngamapulatifomu aku-inthanethi phakathi kwabantu futhi inenzuzo yokuthi ungathuthukisa ukusebenza kwemikhiqizo emikhulu yasebhange. Ngoba empeleni, imbuyiselo ongayithola ingatholakala ebhendi ethi kusuka ku-4% kuye ku-7%. Ngale ndlela, abamangali benza imali yabo ibize kakhulu futhi bakhululwe kuzo zonke izinhlobo zamakhomishini noma izindleko ekuphathweni kwabo. Futhi wena, ngokusebenzisa isu elinjalo elihlukile, uzothuthukisa isimo se-akhawunti yakho yokuhlola.
Noma kunjalo, akuyona uhlelo olulula kangako ukukwenza. Ngoba udinga ukuthola nge- ipulatifomu yomsebenzisi ehlangabezana nezidingo ezidingekayo futhi nomuntu okunikeza iziqinisekiso eziphezulu ekusebenzeni. Kepha uma ugwema lezi zithiyo, uzobe usesimweni esihle kakhulu sokudlula amamagethi onikezwa yimali engaguquki okwamanje. Futhi kwezinye izimo, noma yini engatholwa kweminye imikhiqizo yezimali ngokuya ngokuhlukahluka.
Eminyakeni yamuva, abasebenzisi abaningi ngokwengeziwe baye bakhetha lolu hlelo lokusebenzisana phakathi kwabantu ngabanye. Lapho inkinga enkulu ilele ku- ukwethenjwa okungasungulwa phakathi kwezinhlangothi zombili. Akumangalisi ukuthi kuyimodeli elawulwa yilezi zinhlaka zokuxhumana. Futhi kwalabo abahlushwa ngokunengqondo kwezinye izinhlobo ezingaphezulu noma ezijwayelekile zokutshalwa kwezimali. Okungenani kukuvumela ukuthi uthokozele enye enye indlela yokwenza ngcono ama-akhawunti akho futhi kufanele kube nguwe okwazisayo ukuthi kufanelekile ukwamukela lesi sinqumo noma cha.
Ukunikelwa kwezinye izinhlelo
Lezi zinhlobo zotshalo-mali esiziphakamisile zihluke kakhulu. Akungcono noma kubi kunabanye, kepha zinikeza ezinye izinhlobo zokutshala imali ngokuya ngephrofayili oyethula njengesilondolozi. Kunoma ikuphi, kufanele uwahlaziye ukuze wazi imishini yawo futhi ngale ndlela ungabi nokumangala okungaphezu kokukodwa ngesikhathi kwenziwa inqubo. Ungawasebenzisa futhi lapho i- izimakethe zendabuko zezimali seziphelile. Kuzohlala njalo kungcono kunokuya enzuzweni ephansi imali engenayo engaguquguquki ekunikeza yona okwamanje.
Kuyiqiniso ukuthi awunazo izinketho eziningi kakhulu ukuthatha lezi zinhlobo. Kufanele uzilinganisele kwabambalwa kuphela futhi kwezinye zazo ungahle ungabi nalo ulwazi oludingekayo lokusebenzisana nabo. Ngalo mqondo, ayikho indlela engcono ukwedlula ukubazi kunokufunda nangokufunda okuningiliziwe ngomakhenikha bamamodeli wabo wokutshala imali. Kungaleso sikhathi kuphela lapho uzokwazi khona ukuzisebenzisa ngeziqinisekiso eziphakeme futhi uvikele izinkinga ezithile.
Iningi lazo alisuselwa kunani lanoma iyiphi impahla yezezimali. Kepha kunalokho, amasu abo bawabeka ekusekeleni izidingo zabantu. Kungaba ngamaphrojekthi amabhizinisi abo, noma ngokumane ubanikeze imali edingekayo yezinkinga zabo zansuku zonke zokukhokha. Azisekho izimfihlakalo kulezi zimali ongazidinga kwesinye isikhathi noma kwenye.