Enye yezinkinobho ezinqumayo kunazo zonke zokwenza utshalomali oluhle ihlala kuyo ube nemfundo enhle kakhulu yezezimali ukukusiza ukuhambisa imisebenzi yakho ezimakethe zezimali. Kuzoba yinto ebaluleke kakhulu ekushayeleni inzuzo ekunyakazeni ngakunye okuphrinta emkhakheni wokutshala imali. Yize futhi ukuqeda imikhuba ethile emibi eyingozi kakhulu emakethe yamasheya, ikakhulukazi kubatshalizimali abanolwazi oluncane kakhulu ezimakethe.
Isiko noma imfundo yezezimali itholakala ngochungechunge lolwazi, futhi kungani kungenjalo, futhi kusuka ku- okuhlangenwe nakho okutholwe ngokusebenza kwemakethe yakho yamasheya. Ngisho eziningi zazo zizoqhamuka ebudlelwaneni obuhle nomkhakha wokulingana. Futhi ungalahlekelwa yingxenye yemali yakho oyilondolozile ngaphambi kokuba ukulungele kahle ukusebenza emakethe yamasheya ngeziqinisekiso eziphansi.
Lapho ukhuluma ngemfundo ethile yezezimali, umthombo wokuqala ukuyithola kuzoba nge- ingxenye ethiyori ekuziphatheni kwezimakethe zezimali, nendlela yakho yokusebenza kuzo. Kuzoba ngaphansi kwesimo esibalulekile ukuvula i izikhundla eziphezulu ezimakethe zezimali. Sizokuchazela ngale ndatshana ukuthi ungayenza ibe semthethweni kanjani, nokuthi yiziphi izidingo ozodinga ukufeza lezi zinhloso.
Ungayitholaphi imfundo yezezimali?
Uma ungekho esimweni esifanele ngoba untula isisekelo esikweni lezezimali ukuthatha isinyathelo sokuqala futhi utshale imali oyilondolozile kulezi zinhlobo zezimakethe zezezimali, ngeke ube nokunye ongakwenza ngaphandle kokulungiselela i-ajenda encane yokuthi lolu lwazi luvelaphi. Ungayifinyelela njengokuzifundisa ngokwakho, kwi-akhawunti yakho futhi ulandela isigqi esikufanela kahle ngokuya ngezici ongazethula njengomtshali-zimali omncane oyikho.
Izodinga ukuzinikezela okuyingxenye, kepha ngasikhathi sinye ejwayelekile ukuze uqonde zinjani izimakethe zezimali nokuthi ungazisebenzisa kanjani. Kuzobaluleka ukuthi uzijwayeze nazo zonke izibalo izingcaphuno zamanani ezivame ukushiya kumashadi azo. Futhi lokho kuzobaluleke kakhulu ekuhlaziyweni okuningiliziwe kwale ngxenye yotshalo-mali.
Ungaluthola kanjani lolu lwazi? Sesivele sikutshele lokho wedwa, kepha ukuze babe nokuthinteka okukhulu ungaya kwabaningi izifundo nezingqungquthela ezenziwa ngamabhange nabathengisi bamasheya, lapho uchazelwa khona lezi zinqubo. Futhi okubaluleke kakhulu, izifundo zokuqala zokutshala imali onayo kwi-akhawunti yakho yokuhlola. Imvamisa bakhululekile, ngaphandle kokuthi wena wenze noma yimiphi imizamo yezimali ngosizo lwabo.
Ukufundisa ngeziteshi eziku-inthanethi
Ungahle ungabi nesikhathi sokuya kulezi zifundo emakethe yamasheya, noma ufuna ukunikela isikhathi sakho kweminye imisebenzi engahlobene nomhlaba wokutshalwa kwezimali. Ungakhathazeki ngokweqile, ngoba ingxenye enhle yamabhizinisi asebhange inemininingwane edingeka kakhulu kuwo Amapulatifomu e-Intanethi. Njengomphumela waleli qhinga, uzokwazi ukuthola ulwazi lwakho lokuqala mayelana nemakethe yamasheya ngokunethezeka ekhaya, nangesikhathi esivumelana nawe kangcono, kuya ngesimo sekhadi lakho.
Lezi zifundo ezincane zizoba izaba ezinhle zokuthatha izinyathelo zokuqala zokukuqeqeshela ukuba nemfundo enkulu yezezimali. Ngeke kube yize, bayoba ilusizo kakhulu ukuhambisa ukuphathwa kokonga kwakho lapho uvula izikhundla kumasheya ezimali, imikhakha noma ama-indices. Futhi nokuthi ungafaka isicelo, zombili ezimakethe zikazwelonke nezamazwe omhlaba. Kumele ukhombise ukwamukelwa okukhethekile kulezi zimfundiso.
Bazokunikeza imihlahlandlela yokuqala yokuthi kufanele uziphathe kanjani ebudlelwaneni bakho obuseduze kakhulu nezimakethe zezezimali. Hhayi isikhwama kuphela, kodwa nezinye izindlela: zezimali, izinto zokusetshenziswa, izinsimbi eziyigugu, njll. Uzokwazi ukubona imiphumela yayo kancane kancane, njengoba ufunda imiqondo abakunikeza yona kulezi zifundo ezincane zokuqeqeshwa kwemakethe yamasheya.
Ukuzama ukusebenza
Lapho usukulungele ngokwengeziwe ukushayela imisebenzi yangempela, ngeke ube nokunye ongakwenza ngaphandle kokukusebenzisa ngokulingisa. Ngaphandle kokubeka engcupheni i-euro eyodwa kunoma yikuphi ukusebenza kwamasheya. Kunezinsimbi ezinikwe amandla ngamanye amabhange nezinkundla ze-inthanethi ezivumela ukusebenza okulingisiwe emakethe yamasheya. Ungazenza zibe semthethweni isikhathi eside njengoba ufuna, futhi uze ubone ukuthi uthuthukile ekunyakaziseni okunyusa ezimakethe zezimali.
Ngeke udlale imali yangempela, imayelana imisebenzi ebonakalayo yenzelwe ukuthi zifunde ukusebenza ezimakethe zezimali. Futhi ukuthi noma ngabe ikuphi bazokunikeza ulwazi oludingekayo ukuze weqe kakhulu ezimakethe zangempela. Ukutshala imali yakho nokuphatha konke ukunyakaza.
Kuzoba yingxenye yenqubo yokuthola imfundo ethe xaxa yezezimali ukutshala imali oyongele nganoma yimuphi umkhiqizo wezezimali: ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya, ikusasa, izimvume, izimali ezihwebelana, njll. Kuphela kuzodinga ukuzinikezela okuncane, futhi ngaphezu kwakho konke intando eningi yokuba ngumtshali-zimali omncane okuzosukela manje abe sesimweni sokwenza ukonga kwakhe kube nenzuzo, ngempumelelo enkulu noma encane.
Imininingwane mayelana nokuphepha
Ingxenye enzima kakhulu yale nqubo yokufunda imfundo yezezimali isala, futhi lokho kungaba yilezo ezibiza wena kakhulu ukufeza. Futhi lokho akuyona enye ngaphandle kokuzama ukuqonda ukuthi ungasebenza kanjani nezinkampani ezakha izinkomba eziyinhloko zemakethe yamasheya. Ngeke ube nokunye ongakwenza ngaphandle kokubona ukuvela kwazo emakethe yamasheya, futhi nakanjani imigqa yebhizinisi abazinikele kuyo.
Akumangalisi ukuthi i-chip eluhlaza okwesibhakabhaka emakethe yamasheya yaseSpain ngeke ifane nezinkampani ezincane ezifakwe ohlwini lwezinkomba zesibili. Lesi sakamuva sidinga ukufunda okwengeziwe ukuthi kuphela abatshalizimali abanolwazi kakhulu abangakunika lona. Uma lokhu kungelona icala lakho, kungaba ngcono kuwe ukuthi ungabikho emisebenzini yabo uze ukwazi ukuqonda ukusebenza kwabo. Kunezingozi eziningi iminyakazo yazo engazenza.
Ngemuva kwalezi zinyathelo, kuzoba isikhathi esifanelekile ukuthi ucwaninge kabanzi ngezimpawu ze- izimali ezithengiswa ngamasheya. Okungenani ngokusebenzisa iqembu elikhethiwe elinamathuba amaningi okuqala ukunyakaza kwakho. Ngokuqinisekile, ukuthi emva kwezinsuku ezimbalwa zokwenza lo msebenzi, uzokwazi ukusebenza ezimakethe ngokukhululeka okukhulu, futhi ube neziqinisekiso ezithile zokuvikela iminikelo yakho yemali.
Ulwazi ngemikhiqizo yezezimali
Isikhathi sesifikile sokuthi unikele isikhashana sakho ukutadisha ukuthi banjani nokuthi baqukethe ini. imikhiqizo ehlukile yezezimali okunikezwa ngamabhange nabalamuli ukuthi basebenze ezimakethe zezimali. Kuzoba yindlela ehlukile yokwandisa isiko lakho lezezimali. Ngaphezu kwalokho, bazonikeza ithuba lokuzama ngabo ngokusebenzisa imisebenzi ebonakalayo, ngaphandle kokutshala i-euro eyodwa.
Kufanele wazi ukuthi eminye yale mikhiqizo iyinkimbinkimbi kakhulu futhi idinga inani elithile lokufunda engxenyeni yakho. Hhayi ngeze, ungalahlekelwa yimali eningi emsebenzini ngamunye. Futhi ukuthi noma kunjalo azifanele wonke amaphrofayili wabatshalizimali, kepha kuphela abanolwazi kakhulu emkhakheni wokutshala imali.
Uma ufuna unganika ifayela le- okusemqoka ekusetshenzisweni kwalezi zinhlobo zokutshala imali, kuya ngezidingo zakho zangempela nezakho. Akufani konke, futhi badinga ulwazi oluthile okufanele ulusebenzise ngaphambi kokuwasayina ngeziqinisekiso eziphansi. Vele, kuzoba yindlela engcono kakhulu yokuqala ukusebenza nabo, nokususa uchungechunge oluthile lwezingozi ezikhiqizwa yilezi zinhlobo.
Izinkinobho zokuqala emakethe yamasheya
Lapho usuyinyusile imfundo yakho yezezimali, uzokwazi ukuthola imisebenzi, hhayi ngaphandle kwezinyathelo ezithile zokuvikela ukonga kwakho. Futhi lapho, khona-ke, ngeke ukhululwe kunoma imuphi umthelela omubi ongavela ekusebenzeni kwakho. Khumbula ukuthi imakethe yamasheya akuyona isayensi ekhululiwe, futhi noma yini ingenzeka. Akunangqondo yokuqonda indlela abaziphatha ngayo.
Kule ndlela ejwayelekile, kuzohlala kukuhle kakhulu ukuthi usebenzise uchungechunge lwemikhombandlela ezosiza kakhulu ukuze ukwazi ukwenza imali oyongile ibe nenzuzo. Futhi nokuthi bazoqala kulezi zimo ezilandelayo esikuphakamisa zona manje.
- Imayelana thola lonke ulwazi ngaphambi kokungena ezimakethe zezimali, noma ngabe kusho ukubambezeleka kokuvula izikhundla zakho.
- Ungasebenzisa iziteshi ezahlukahlukene ukuzihlomisa ngazo ukwandisa imfundo yezezimali, kusukela kumathuluzi ahlinzekwe yibhange lakho, kuya kuzingxenyekazi eziku-inthanethi ezinikwe amandla okutshala imali emakethe yamasheya.
- Kukhula ubunzima bemikhiqizo yezezimali, ulwazi oluzoba lukhulu ngokwengeziwe, kukuthatha izinsuku eziningi kulo msebenzi onzima omiselwe ukutshalwa kwezimali.
- El ukufunda Kuzoba ngenye yezinkinobho ozidingayo ukuze ufeze izinhloso zakho, ayikho imizamo eminingi ohlangothini lwakho. Futhi nokuthi ungakwazi ukwenza okusemthethweni ngokusebenzisa imisebenzi ebonakalayo.
- Uma ungazi ukuthi yini ukutshala imali emakethe yamasheya, kungcono yeka imizamo yakho wokufaka imali okonga impilo yonke. Kuzoba ngaphezulu okufanele ulahlekelwe yikho ukuwina. Ungakhohlwa ngaphezu kokunye ukucatshangelwa.
- Inhlanhla ayikho kwizimali, kodwa kunalokho a ulwazi lwezimakethe zezimali Yibo abakunikeza izinkombandlela ezidingekayo zokuzifaka nokuzikhipha ngokujwayelekile.
- Ngaphambi kokutshala imali, cabanga ngalokho ofuna ukukwenza ngemali yakho. Hhayi ngeze, ubeka engcupheni ingxenye ebaluleke kakhulu yengcebo yakho. Futhi ngeke kube yindaba yokuyimosa emahoreni ambalwa. Ungakhohlwa ukuthi isikhwama siyinto ebucayi kakhulu engahloselwe wonke amaphrofayli wabasindisi. Ingabe kuyicala lakho?