Izikhathi eziningi indlela engcono yokwenza ngcono utshalomali lwakho kumasheya ngochungechunge lwemibuzo ozibuza yona njengomtshali-zimali kepha ongakaze ubuze emphakathini. Kuyinto ejwayelekile ngokuphelele futhi efanelekile impela ngoba ngezimpendulo zabo uzokwazi okwengeziwe ukuthi umhlaba wemali unjani ngempela. Futhi njengomphumela wazo, ungakwenza kanjani lokho uzuze ngokusebenza kwakho ezimakethe zezimali. Ekupheleni kosuku kuyisu elingeke lidinge mzamo omkhulu ukulenza.
Ezikhathini ezingaphezu kwesisodwa, impela ubulokhu uzibuza ukuthi ngabe izimali ezingcono zingcono yini kunemali engenayo engaguquki, yini amanani esitoko alula kakhulu wephrofayili yakho njengomtshali-zimali noma ngoba iphothifoliyo yakho ikwazise okuncane kakhulu eminyakeni yamuva. Manje unethuba loku qhubeka kancane ngochungechunge lwezindlela ezingeke zehluke kakhulu kuzintshisekelo zakho. Ukufika ezingeni lokuthi bangakunika eminye imihlahlandlela ongayilandela kusukela manje kuqhubeke.
Noma kunjalo, imakethe yamasheya akuyona isayensi ngqo futhi kungaba nokuhumusha okuningi. Ngaphezu kwalokho ongakucabanga ekuqaleni. Ikakhulukazi ngokuya ngezimo ezahlukahlukene ezingavela ezimakethe zezezimali. Yize lokhu kumayelana nokuthi unombono wakho futhi ngokuyisisekelo mayelana nalokho okufanele ukwenze vikela ibhalansi kusuka ku-akhawunti yakho yokuhlola. Kwesinye isikhathi ngeke kube umsebenzi olula, ukude nawo. Izodinga i- ukuthuthuka okuqhubekayo kwamakhono ukuhlobana naleli zwe elijabulisayo eliyimakethe yamasheya. Kunoma ikuphi, lena kuzoba eminye yemibuzo engakusiza ukuthi uhambise utshalomali lwakho kusukela manje kuqhubeke.
Abatshalizimali: ngemali eningi?
Impela wake wacabanga ukuthi imakethe yamasheya ngumdlalo womuntu ocebile. Yebo, kwezinye izici uqinisile ngokuphelele. Kunoma ikuphi, kuba sobala ngokuphelele ukuthi njengoba ukutholakala kwemali yakho kubanzi, amathuba okuthuthukisa ingcebo makhulu futhi ngokulingana. Kulezi zimo, ungahlala nokuphila emakethe yamasheya uma ukuhweba kwakho ngamasheya kukhokhelwa kakhulu ngomqondo omuhle. Eqinisweni, abatshalizimali abakhulu yibo abathola imihlomulo emikhulu kulezi zimakethe lapho kulawula khona umthetho wokuphakelwa kanye nokufunwa.
Kepha esikhundleni salokho, wenza iphutha kwesinye isigaba sendlela. Akukona okunye, ukuthi wena ngokwakho ungenza imali kwizimali ezivela kuma-euro ambalwa kuphela. Vele yebo, akekho ozokuvimba. Kepha ngokungafani, Inzuzo eyinhloko izobe incane. Ngendlela ekholisa ngokwengeziwe, akukufanele ukuthi uvule izikhundla ezimakethe zezezimali ngomvuzo omncane kangaka. Kungcono ukuthi ukhethe amanye amamodeli wokulondoloza onakekela kakhulu.
Emakethe yamasheya njengakwezinye izimpahla zezezimali, awunakho ubuningi noma ubuncane bokutshala imali oyilondolozile. Awunamkhawulo, ngandlela thize noma enye. Akumangalisi ukuthi kungenye yezinzuzo ozozithola uma ukhetha lezi zimakethe ukwenza ukonga kube nenzuzo. inkululeko onayo icishe iphelele. Ngisho nokubaqondisa kuzinsuku zokugcina ocabanga ukuthi zilula kakhulu. Kuya kufushane, okuphakathi noma okude. Ngamafuphi, leyo ebonakala ifanele kakhulu ngokuya ngephrofayili oyivezayo njengomtshali-zimali omncane naphakathi nendawo. Kunoma ikuphi, kuzohluka kuye ngamunye wabo.
Ngabe uhlala unqoba emakethe yamasheya?
Kuya ngokuthi. Kwezinto eziningi nangezimo ezithile ezingakhiqizwa kuyo yonke imijikelezo yezomnotho. Kuyiqiniso ukuthi esikhathini eside esizayo kungenzeka ukuthi lesi sifiso onaso sigcwaliseke. Kepha akudingeki ukuthi kwenzeke njalo, njengoba kungenzeka wake wabona ngezinye zezenzo ezimakethe zezezimali. Yize uma iphothifoliyo yakho ingeyona inkimbinkimbi ngokweqile, into ejwayelekile ukuthi ngesikhathi esilinganiselwe noma esincane osuthole imali esikhwameni.
Enye into ehluke kakhulu ukusebenza okuqhutshwa isikhathi esifushane kuya kwaphakathi. Lapho cishe noma yini ingenzeka. Ukusuka ekutholeni imali eningi kukushiyele ama-euro amaningi endleleni. Kufanele wazi ukuthi kunezici eziningi ezizonquma lokhu kuguquguquka. Kusuka kumodeli yokutshala imali ekhethwe kumatemu akhethiwe. Futhi-ke umkhuba ongasethwa izimakethe zezezimali. Yonke i-cocktail engakwazi ukuphuma ongayilindelanga ngezikhathi ezingaphezu kwesisodwa. Yisikhwama phela.
Ingabe ithwala izingozi eziningi?
Akunjalo impela, ikakhulukazi uma wazi ukuthi ungakuhambisa kanjani ukunyakaza kwakho kahle. Ukuze ubheke le ndlela ngokuningiliziwe, isibonelo nje ongasiqonda. Khona manje, Imali engenayo engaguquki inikeza ubungozi obukhulu kunamanani. Ngisho nangosongo lwebhamu kulezi zimpahla zezezimali. Ngenkathi ukusebenza emakethe yamasheya kunengozi encane futhi okuwukuphela kwento ongayenza ukuze uthuthukise ukusebenza kwempahla yakho. Okungenani ngenkathi izimo zamanje zihlala.
Ngokombono ojwayelekile, imakethe yamasheya akudingeki ihlotshaniswe nengozi eyengeziwe. Kepha kuzoncika kakhulu ethubeni olinikeza ekutshaleni kwakho imali. Uma kungalungile, ukuma kwakho kulezi zimakethe ezizwela kakhulu kumjikelezo wezomnotho kungakhathaza kakhulu. Ngaphandle kokungabaza. Kunoma ikuphi, kuyiqiniso ukuthi ukulingana ngokujwayelekile inikeza ukusebenza okungcono kuneminye imikhiqizo yasebhange neyezezimali ngokususelwa kumholo ohleliwe
Unesiko lezezimali?
Vele kuyalulekwa. Hhayi nje ukugwema izimo eziyinkimbinkimbi noma okungenani ezingafuneki, kepha nokwenza ngcono okulindelwe ebhizinisini lakho. Kufanele wazi umkhiqizo lapho utshala khona imali yakho. Ngaphandle kokuvumela ukuthi welulekwe ngabantu abangenazo iziqu ezifanele. Uzodinga futhi ukwazi ukuthi izimakethe zezezimali zisebenza kanjani. Futhi uma ungazazisa ngokusemandleni akho ngezimo zezokuphepha ofuna ukuziqasha kusukela manje kuqhubeke.
Kuzoba ngesinye sezikhiye ezinqumayo kunazo zonke zokutshalwa kwemali kwakho kuzoba ngcono kusuka manje. Yize ukuba nesiko elihle kakhulu lezezimali kuzokwenza izinto zibe ngcono kuwe. Kufanele ube nokuthi ezinye izici zokubaluleka okukhulu nazo ziyizici zokunquma. Phakathi kwabo, futhi nenhlanhla. Kuyadingeka kuzo zonke izingxenye zempilo, futhi kungaba kanjani okuncane, futhi ebudlelwaneni bakho nezwe lemali. Noma kungenjalo ngamandla amakhulu njengakweminye imisebenzi.
Ngabe ukubeka imali emakethe yamasheya kuyabiza?
Kuxhomeke kakhulu emiphumeleni oyithola ekusebenzeni oyenza ibe semthethweni ezimakethe zezezimali. Noma ngabe bekuyini nakuyo yonke imikhiqizo ukutshala ingxenye yezimpahla zakho. Lokhu kuzoba umthetho wegolide okufanele uziqondise ngawo kusukela manje. Kepha ukwazi kusengaphambili ukuthi kufanele thatha uchungechunge lwezindleko namakhomishini. Kunoma ikuphi, ukukhishwa kwemali kuzobe kungatelekile. Uma kuqhathaniswa neminye imikhiqizo yezezimali.
Izindleko eziningi zivela kumakhomishini. Zingasho isilinganiso sama-euro angama-15 ngokusebenza okulingene kwama-euro angama-5.000. Kodwa-ke, uhlukile amasu okuzinciphisa. Uma kungenjalo ngokweqile, yebo okungenani ukukusindisa ama-euro ambalwa minyaka yonke. Ngemigqa elula yokusebenza. Kwezinye izimo, badlula ngokuqasha isilinganiso esisodwa njengezinga eliphansi. Ungaqhuba imisebenzi eminingi njengoba ufuna njalo ngenani elifanayo. Futhi kwabanye, ngamanani akhula ngokuncintisana ongawathola ngokusebenzisa ukubhenka online. Kwesinye isikhathi ngezaphulelo ezicishe zibe ngama-50%, lokho kusho ukuthi uhhafu ushibhile.
Ngabe abatshalizimali abakhulu bayawina?
Akulona iqiniso ngokuphelele, ngoba yize kuyiqiniso ukuthi bahlala besesimweni esingcono sokusebenzisa amathuba amahle kakhulu ebhizinisi, nawe ungakwenza. Yize kunezinkinga ezinkulu njengomphumela we ukulinganiselwa kwezindaba evame ukwenziwa izimakethe zezezimali. Ukufika ezingeni lokuthi ngezikhathi ezingaphezu kwesisodwa bangakubamba ngonyawo olushintshile. Ngalo mqondo, kufanele uqaphele kakhulu ngokusebenzisa ukunyakaza okuthile. Umonakalo ungaba mkhulu kakhulu.
Ngaphezu kwalokho, uzokwazi ukufinyelela okubi kakhulu ekuhambeni kwezinkampani. Ukufika izikhathi eziningi sekwedlule isikhathi futhi kubi. Ukuphuthelwa ingxenye enhle yokwenyuka okuhlangenwe nakho ngamagugu amakhulu, imikhakha kanye nezinkomba zokuhwebelana kwamasheya emhlabeni jikelele. Ngokwalo mbono, usesimweni esibi kakhulu sokuhweba ngamasheya kunabatshalizimali abakhulu.
Qaphela amanani?
Imvamisa impendulo inguyebo. Ikakhulu ekusebenzeni okwenzayo esikhathini esifushane. Lapho kuzodingeka khona ngempela lokho landela izingcaphuno zesitoko. Ngenhloso yokuvala ukusebenza ngesikhathi esifushane ngangokunokwenzeka. Noma esimweni esibi kakhulu, ukumisa ukuwa kwamanani wamasheya akho. Noma kunjalo, kuzo zonke izimo kuyisimo sokuthi unake kakhulu ukuvela kwephothifoliyo yakho. Kuyisu elisebenza kakhulu lokonga imali yakho ngeziqinisekiso ezinkulu.
Uma ungakwenzi lokho, uzobe wenza iphutha elibi kakhulu elingakhokha kakhulu ngokuzayo. Kungenzeka kanjani ukuthi kwenzeke kuwe kwesinye isikhathi noma kwesinye. Kunoma ikuphi, umtshali zimali omuhle uhlale azi konke okwenzekayo ngemali yakhe. Njalo hhayi ngesikhathi.