Amapulatifomu wezezimali aku-inthanethi asekela ukunikezwa kwemikhiqizo yabo ngochungechunge lwemalimboleko emincane, okuyi bakunikeza phakathi kwama-euro angama-50 kuya kwangama-800. Kepha ubusha balesi siphakamiso esiyingqayizivele busezimeni zenkontileka ozothola lapho usayina inkontileka, kude kakhulu nalezo ezinikezwa yizinhlangano ezivamile zebhange. Akumangalisi ukuthi ukuvumelana kwayo kucishe kube khona ngokushesha, emahoreni ambalwa kusukela esicelweni sayo, nangenqubo eyenziwe ngokuphelele online. Futhi lokho ungakwenza noma kunini, noma ngezimpelasonto noma ebusuku.
Kepha uma ngesici esithile kudingekile ukuthi uchaze lo mzila okhethekile wezezimali, kungenxa yokuthi uzokwazi ukufinyelela kumalimboleko. Izinqubo zalo zokuphatha zincane, futhi lapho isiphakamiso saso esivelele kunazo zonke yilokho Ngeke kudingeke ukuthi unikele ngeholo ukuze usizakale ezimweni zalo, noma izincomo ezivela kwabanye abantu, njengoba kujwayele ukwenzeka emalimboleko asebhange. Kwezinye izimo, uhlelo lwakho lokusebenza luzokwamukelwa ngisho noma uyingxenye yohlu lwabakhokhi (ASNEF, RAI ...).
Nokho, bazokudinga imali engenayo ukuze uphendule ngokwamukelwa komsebenzi, futhi esimweni sokugcina, uzokwazi ukusebenzisa isiqinisekiso sakho ngezimpahla ozitholile (imoto, indlu, igalaji, njll.). Lokhu kunikezwa kuzoba semthethweni, noma ngabe ungowesizwe saseSpain, noma uma uvela kwezinye izindawo.
Njengomphumela walokhu, uzobe ubhekene nezimalimboleko ezithile ezincane ezingaxazulula inkinga ethile yokushoda kwemali ku-akhawunti yakho yokuhlola. Futhi lapho ubhekene nesidingo sokubhekana nezindleko ezincane, ngokuphuthumayo, njengezikweletu zasendlini (amanzi, igesi, ugesi, njll.), isikweletu esinikezwe izinkampani zangaphandle, noma nje ukukhishwa okungalindelekile kubhajethi yakho yomndeni.
Icala lakho lizokubiza malini?
Yimikhiqizo ezuzisa kakhulu izintshisekelo zakho, noma kungenjalo ngaphandle kwezindleko, ezinye zifihlwe ngaphansi kokuphrinta kwazo okuncane. Ngokuvamile amakhomishini awekho kwizivumelwano zawo, ozoqeda ngayo izindleko zalo mqondo.
Kodwa-ke, izimali zabo - okuyindlela 'amapulatifomu abiza ngayo amanani wenzalo abayisebenzisayo - aphezulu kakhulu, ngaphezu kwalawo akhiqizwa ngemali mboleko yasebhange. Imvamisa baba seqenjini elingajwayelekile kakhulu eliqala kuma-20%, noma kunamamaki afunwa kakhulu. Lesi simo salezi ziteshi zokuxhasa imali sisho ukuthi umzamo wezezimali okufanele uwenze ukuvala ukusebenza unzima kakhulu.
Kepha qaphela kakhulu, ngoba izinkokhelo zakho zingase zibe ngaphezulu uma ungahlangabezani nesikhathi esinqunyiwe sokubuya kwabo. Kulokhu, kuzofanele ubhekane nezinhlawulo okungenzeka zikwenze wabela cishe isigamu semali efunwayo ukukhokha imalimboleko. Ngokwalokhu kubuka, isixazululo sizosuselwa ekuhlaziyweni ngokuningiliziwe isiphakamiso esethulwe kuwe, ekugcineni unqume ukuthi ungasithatha noma cha.
Kusobala ukuthi enye yezikhiye zokugwema ukukweleta okukhulu ngokungenakugwenywa ukuthobela imigomo yokukhokha. Umsebenzi owenziwa ube mubi ngokuwethula ngaphansi kwezikhathi ezimfushane kakhulu zonke. Banesikhathi esiphakathi kwenyanga eyodwa nezimbili. Futhi ukuthi kuziphakamiso zemali encane ziyancishiswa kuze kube yisonto elilodwa. Ukugwema ukungenelwa ukwephula umthetho okujezisa ama-akhawunti akho, ngeke uze ukhethe kodwa ukujeziswa kakhulu ukuhambisana nale nqubo yokuphatha. Akumangalisi ukuthi noma ikuphi ukubambezeleka okuyingxenye yakho kuzosho ukushiya ama-euro amaningi endleleni.
Inqubo yemvume yayo, ngakolunye uhlangothi, ilula kakhulu. Uma isicelo sakho samukelwa, uzoba nemali emahoreni ambalwa ku-akhawunti yakho yokuhlola, ngaphandle kokulinda ukwenza ezinye izinqubo zokuphatha. Ukuyisebenzisela noma iyiphi injongo oyibona ifanele, ngoba lolu lwazi ngeke lucelwe nganoma yisiphi isimo. Kusuka ekuthengeni ilaptop, ukukhokhela intela yendlu yakho. Kepha okunye, ngoba amanani ozoklonyeliswa ngawo azohlala enamadijithi amathathu.
Ngezipesheli ezinolaka kakhulu
Kunoma ikuphi, uzothola izimalimboleko ezikhetheke kakhulu, okuyi zinokunikezwa okuningi kokuphromotha ongazuza kukho, ikakhulukazi uma uyikhasimende elisha. Zenzelwe ukuheha abasebenzisi, futhi zinikezwa ngamasu wokuhweba anolaka ahlose ukuheha ukunakwa kwakho. Okokuqala, okuvame kakhulu isimemo sokuthi ungakhokhi noma iyiphi inzalo, ukuze ubuyise kuphela inani elifunwayo, ngaphandle kwezindleko ezingeziwe.
Kodwa-ke, le misebenzi izodinga ukufunwa ngaphansi kwamanani aphansi okunikezwayo, imvamisa kuze kufike kuma-euro angama-300, kungabi ngaphezulu. Izosebenzela ukusebenza kwakho kokuqala kuphela ngengxenyekazi, ukuze kamuva ukwenze ibe semthethweni ngaphansi kwezimo ezijwayelekile ekuqashweni kwakho. Elinye isu elisetshenziswa ababolekisi be-inthanethi ukukhetha i ukukhokhelwa okusheshayo, uma kungenzeka emavikini ambalwa. Futhi okukuvumela, ukuthi uthole amanani enzalo ancintisana kakhulu ekunikezelweni kwabo, noma ngabe kungenzeka ukwehliswa ngo-20%.
Elinye isu elisetshenziswa ababolekisi lisuselwa ekwethembekeni komkhiqizo.. Ukuze ngaphandle kokukwazi ukuheha amaklayenti amasha, uzokwazi ukuzuzisa zombili izinhlangothi. Ngakolunye uhlangothi, endala enebhonasi ebalulekile emalimboleko. Ngakolunye uhlangothi, ukudluliswa kuzokuthola okokuqala kungabi nenzalo, okungukuthi, ku-0%.
Futhi ngethuba lokuphinda usebenze kaningi ngangokunokwenzeka. Ukufaka isicelo, kuleli cala, isu lokukhangisa elijwayelekile kakhulu elisuselwa kweminye imikhakha yezentengiselwano, kepha kuze kube manje lingakafiki esigabeni sezimali esizimele, ingasaphathwa eyasebhange.
Kufanele ubamangalele nini?
Akungabazeki ukuthi lawa makhredithi amancane angenye yezindlela ongazisebenzisa ngesikhathi sokushoda kwemali kuma-akhawunti akho. Kepha akufanele ubahlukumeze, ingasaphathwa eyokubaqasha ngokungadingekile. Ezimweni ezithile kuphela, ukusetshenziswa kwayo kungakukhipha kunoma iyiphi inkinga yezezimali obhekene nayo. Ukuphela kwendlela yokuphuma ezinkingeni zakho zezezimali kuzoba ukuqasha owodwa wale mikhiqizo wezezimali.
Kungale ndlela kuphela lapho uzokugwema ukuwela ezimweni ezingaba yinkinga empilweni yakho, uze ufinyelele nasezimweni ezingathandeki kakhulu ezintweni ozithandayo. Uma ufuna ukuwasebenzisa ngokunengqondo, akukho okunye ongakwenza ngaphandle kokubheka lezi zimo ezilandelayo lapho ukusayina inkontileka kungakusiza khona.
- Nini, nganoma yisiphi isizathu, unqatshelwe ukufinyelela emithonjeni yendabuko yezezimali, noma awukwazi ukunikela ngqo kwiholo, noma okungenani imali engenayo ejwayelekile.
- Uma ufakiwe kuhlu lwama-defaulters lokho kukuvimbela ekwenzeni lo msebenzi nganoma yiliphi ibhange noma ezinye izinhlangano zezezimali. Kulokhu, okuwukuphela kwendlela yokuphuma enkingeni yakho yokuqokwa kwemali kuzoqala ngesicelo senye yalezi mboleko, ukuphuma endleleni.
- Ezimweni lapho ukufunwa kwakho kudinga inqubo esheshayo nenqumayo, futhi ungaba nemalimboleko cishe ngaso leso sikhathi. Impela, ngokunikezwa okuvela emabhange ngeke ukwazi ukukwenza ngaphansi kwalezi zici, kepha kuzodinga ukubekezela okwengeziwe kuze kube yimvume yabo yokugcina.
- Ukuba ngamanani amancane kangaka, kungenzeka Ibhange lakho elijwayelekile aliphethe ukuzikhangisa, futhi okuwukuphela kwendlela yokuyithola kungenye yezingxenyekazi zezezimali.
- Uma kungokokuqala ubacela, kusukela uzokwazi ukusizakala ngokungapheli kweminikelo yokuphromotha ezokusiza ukuthi wehlise, noma ususe, izintshisekelo ezisebenza kulezi ziteshi zezezimali.
Izinkinobho eziyisishiyagalombili zokugwema ukubuyela emuva
Njengoba ziyizimalimboleko ezinesici, ikakhulukazi ezisuselwa kumsuka wabanikezeli bazo, kuzodingeka uqaphele kakhudlwana kwinqubo yabo yokwenza izinto ngokusemthethweni uma ungafuni ukumangala lapho uvala ukusebenza.
Impela bazokusiza ukuthi uphume ezinkingeni ezingaphezu kweyodwa, akunjalo. Kepha noma yikuphi ukwephulwa kwesivumelwano, noma ukukhohlwa nje kwanoma iziphi izigaba zaso, kungahle kudale inkinga, futhi ngikukhuthaze nokuthi ukhokhe imali eningi kunalokho obekuhlelile ekuqaleni. Ukugwema lezi zigameko, kuzobaluleke kakhulu futhi kube wusizo ukuthi unake izeluleko ezilandelayo esikudalula kuzo kule ndatshana.
- Qiniseka ngenani lenzalo elizosetshenziswa kuwe ngaphambi kokusayina inkontileka, futhi uma ngabe kuhlanganisa noma yiluphi uhlobo lwenhlawulo nenani laso ngqo.
- Uma kungokokuqala ukuthi usebenzise ipulatifomu yezezimali, thola ngamaphromoshini abandakanya lesi sigaba samakhasimende, ngoba ungathola ngisho nokukhululeka, okungukuthi, ngaphandle kwenzalo.
- Uma ungakwazi ukuyibuyisa ngokushesha, kuzoba ngcono ukungayiqashi, ngoba impela izimo zayo zikhulu kakhulu futhi kufanele ukhokhe imali eningi kunalokho obekucatshangwa ekuqaleni komsebenzi.
- Njengoba ziyimali encane, ngaphansi kwama-euro angama-800, kufanele usebenzise yonke eminye imithombo yezimali evuna izintshisekelo zakho. Ungamangalela izihlobo zakho, ukhethe ukubolekwa kwemali phakathi kwabantu, noma mhlawumbe ukwenze kube semthethweni ngokukhokha kwakho njengecebo lokukuthola ngezimo ezingcono.
- Zama ukuya kumbolekisi ngubani ikunikeze ukuguquguquka okuthe xaxa ngokuya ngezimo, ukuze ungabi namandla kakhulu ngezikhathi ezibekiwe ukuthi bakunikeza lezi zimali mboleko ezincane. Noma yisiphi isiliphu ungasikhokha kakhulu.
- Funda ukuphrinta okuhle kwenkontileka ngokucophelela, ngoba ingaqukatha isigatshana esihlukumezayo esingathinta izindleko ezingeziwe zokuqashwa kwaso.
- Iziphakamiso eziningi ezinikezwa amapulatifomu aku-inthanethi ziyefana kakhulu, kepha mhlawumbe umehluko omncane ezimweni zayo kungaba yimbangela yokuthi uyikhethe.
- Futhi ekugcineni, khumbula ukuthi imali mboleko kuzofanele ikhokhwe, futhi Uma ungeke ukwazi ukuyiphendulela, kungcono ufune ezinye izindlela, ngisho ezinye zazo ezasekuqaleni.