Kuyini ukukhishwa kwemali kumikhiqizo yokutshalwa kwemali?

izimali

Enye yezinto ezibaluleke kakhulu okufanele uzinake lapho wenza noma yiluphi uhlobo utshalomali Kuyizinga lokuthengwa kwempahla leyo mpahla noma umkhiqizo wezezimali onayo. Ngoba hhayi kubo bonke bayohlala befana njalo, njengoba uzobona kusukela manje kuqhubeke. Ngaphezu kwalokho, kuya ngalokhu okuhlukile okubalulekile, uzokwazi ukukhetha ukuthi iyiphi imoto engcono kakhulu ongayisebenzisa kakhulu ngendlela oyongele imali. Lapho futhi kuzoba nokuningi ukubona ukuthi iyiphi iphrofayili oyethula njengomtshali-zimali omncane naphakathi ngesikhathi esithile.

Uketshezi kubaluleke kakhulu ukuze ube ne-akhawunti yokuhlola enempilo kakhulu. Futhi ngaphezu kwakho konke kwe- ukubhekana nezinkokhelo ezinkulu lapho ugcina indlu yakho. Ukukhokhwa kwesikweletu sakho, izikweletu zasendlini noma ngisho nezindleko zezifundo zakho zaseyunivesithi. Ngoba ngalo mqondo, akuzona zonke izimpahla zezezimali noma imikhiqizo ezoba nempahla efanayo. Labo abaxhumene nemakethe yamasheya abahlangene nalokho okwenziwe ngokuthengwa kwefulethi. Zihluke kakhulu njengoba kulula ukuziqonda.

Enye yezinhloso zakho ezisheshayo ukuthi ngemuva kokuphothula ukusebenza onakho imali eku-akhawunti yakho yokuhlola noma okonga. Kepha kufanele wazi ukuthi akuyona yonke imikhiqizo enikela ngalesi sici. Hhayi kancane kangako ngakho-ke kuzodingeka ukuthi ubheke ukuthi yiliphi izinga lokushesha okudingayo kusukela manje kuqhubeke. Ngakho-ke awutholi lutho olumangazayo kusukela manje. Ngoba kukhona ezinye izimpahla noma imikhiqizo yezezimali engakunika okungaphezu kokwesabisa lapho wenza ukuthengisa.

Imali emisebenzini yemakethe yamasheya

i-bolsa

Vele, uma ufuna imali yakho ibe ku-akhawunti yakho emahoreni ambalwa, akukho okungcono kunokuthenga nokuthengisa amasheya emakethe yamasheya. Le nqubo ngeke kuthathe ngaphezu kwemizuzu embalwa ukwenziwa ngokusemthethweni. Ukuze ngale ndlela, ukwazi ukwaba inani emgomweni owufunayo. Ngokusetshenziswa kwamakhomishini ayo ahambisanayo nezinye izindleko ekuphathweni kwayo. Kuthinta konke ukuphepha kokulingana, ngaphandle kokukhishwa kwanoma yiluphi uhlobo. Ngisho nokuvela ebhange lapho ongene khona kwi-akhawunti yezokuphepha. Akumangalisi ukuthi lokhu kungenye yezinto ezikhethekile zesikhwama ngokujwayelekile.

Ngakolunye uhlangothi, akufanele ukhohlwe ukuthi lo msebenzi uyakwazi yenze nganoma yisiphi isikhathi inkomba yesitoko lapho uhweba khona ivuliwe. Kusuka kwikhompyutha yakho noma kumakhalekhukhwini ukunyakaza kuzoba khona ngokushesha. Yize kwizibambiso ezinamazinga aphansi okuba semakethe, ungaba nenkinga yokwenza ukuthengisa kwakho njengoba uthola izinkinga eziningi ukuthola abathengi obathandayo. Akumangalisi ukuthi ukuphela kwokwehlukana ongakuthola ngalo mkhiqizo ovamile ukwenza imali.

Icala elihlukile: ukuthengiswa kwefulethi

phansi

Abanye abatshalizimali bakhetha le ndawo yangasese ukuze bathole imali yabo. Phakathi kwezinye izizathu ngoba ukusebenza ukusebenza ingaba phezulu kakhulu kunemikhiqizo ejwayelekile yezezimali. Kule ndlela, kungathatha inyanga eyodwa, ezimbili, ezintathu noma ngisho nangaphezulu uze ube nentengo yokuthengisa okwenziwe. Konke lokhu kungumphumela wenqubo ende kakhulu. I-ejensi yezindlu, imibhalo ngisho nombono walowo olungisa izivumelwano uyangenelela kukho konke. Kungathatha isikhathi eside ngaphambi kokuthi uyijabulele le mali.

Kunoma ikuphi, ngeke ube nayo ngokushesha ngakho-ke kuzofanela ulinde ukusebenzisa lezi zinsiza kuphothifoliyo yakho. Inkinga enkulu yokukhetha lokhu kutshalwa kwezimali ukuthi ilawulwa yimithetho ehlukile. Kokubili ekuqashweni kwabo naku inqubo Kufanele ithuthukiswe kusukela ekuqaleni kuze kube sekugcineni. Kuze kube seqophelweni lokuthi kuzodingeka ube nokuthula kwengqondo okuncane uze ekugcineni ube nemali esandleni sakho. Kuyindlela ebhekiswe kubatshalizimali ngaphandle kwesidingo semali ephuthumayo. Uma kungenjalo, ngokuphambene nalokho, ukuthi ungalinda isikhathi eside ukuze ufinyelele lesi simo esifiswa yibo bonke.

Izimali zokutshala imali: linda izinsuku ezimbalwa

Kuyindlela ephakathi ukuba nemali etshaliwe. Ngeke ube nayo ngosuku olufanayo lapho wenza umsebenzi wokuthengisa. Kepha kunalokho, kuzokwenziwa ngosuku olulandelayo noma kwezinye izimo futhi kuya ngomphathi ngolunye usuku. Hhayi ngeze, kulokhu kuzodingeka bakubuze ukuqedwa kwamasheya akho. Lesi ngesinye sezizathu esenza ukuthi okubhaliselwe kungakhokhiswa ngokushesha, njengoba kwenzeka kweminye imikhiqizo yezezimali. Akunandaba noma ngabe kuyisikhwama semali eguquguqukayo esilungisayo noma esivela kwamanye amamodeli.

Izimali zokutshala imali ngalolu hlelo lokuhlala zizokuvimbela ukuthi ukwazi  phinda ufake ezinye izimali imali evela kule misebenzi. Lesi yisici esingaziwa kubatshalizimali abaningi abancane nabaphakathi. Kuze kube seqophelweni lokuthi bangamangala ukuthi lokhu kubekwa kwemali akukho kwi-akhawunti yabo yokuhlola kungakapheli amahora ambalwa bevale ukusebenza. Akumangalisi ukuthi lokhu ukunyakaza okuyinkimbinkimbi kakhulu okudinga isikhathi esithile sokuxazululwa kwabo kokugcina.

Imikhiqizo eyinkimbinkimbi ngokwengeziwe

Ngokuphambene nalokho, lesi sigaba samafomethi otshalo-mali futhi amelwe yi ukuthengiswa kwezikweletu, izincwadi ezigunyazayo noma okuvela kokunye Banikeza isisombululo esiphakathi phakathi kwezimali ezihlangene kanye nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Phakathi kwezinye izizathu ngoba zihlela ukuthi imisebenzi ingasheshi njengokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Imvamisa zigijimela kungakapheli amahora ambalwa. Ukuze umsebenzisi athole izithelo zokusebenza kwakhe kwi-akhawunti ehambisanayo. Yize kwezinye, njengezimali ezidayiswa ngokushintshisana, ikhiqiza isikhathi esifana kakhulu nesezimali zokutshala imali.

Lesi sigaba semikhiqizo yezezimali sisho ukuthi ukwenziwa kwazo ngokusemthethweni akusheshi njengokunye okujwayelekile. Kepha noma kunjalo, bawela ngaphansi kwamatemu amukeleka ngokwengeziwe kubatshalizimali abaningi abancane nabaphakathi. Ngokwamukelwa kwamakhomishini azosuswa ekukhokhweni kwale misebenzi. Iqiniso elamukelekile kuzo zonke lezi zinhlobo zokutshala imali. Lokho wukuthi, uzoba nemali kodwa ngokulinda isikhathi eside. Lokhu yilokho okubizwa ngendiza ephakathi phakathi kwemikhiqizo yezezimali.

Okutholakele kwemali engenayo engaguquki

imali engenayo

Mayelana namafomethi wemali ehleliwe (imali yesikhathi, amanothi ezithembiso zasebhange noma kwezinye izimo ama-akhawunti emali engenayo ephezulu), imishini ifana kakhulu nezibonelo zangaphambilini. Ngale ndlela, uzoba nesikweletu cishe usuku noma ezimbili ngoba uvaliwe ukusebenza. Bazoya ngqo ku-akhawunti yakho yokuhlola futhi ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwabo.

Kulezi zimo, isikweletu ngeke sivele ngokushesha, kepha okungenani kungabi ngaphezu kwamahora angamashumi amabili nane ukukhokha kuzobe sekwenziwe. Ngaphezu kwalokho, lo msebenzi uzokwenziwa ngokusemthethweni ngokuphelele wamaKhomishini nezinye izindleko ekuphathweni nasekugcinweni kwawo. Ngakolunye uhlangothi, noma ngabe imali ingakhokhwanga, ngeke kube nankinga ukwenza ibhange noma yiluphi uhlobo lokusebenza emalini eveziwe kule mikhiqizo yasebhange. Kuyisici esiveza ukuthi sivela kumamodeli wokutshalwa kwezimali osezingeni eliphezulu kakhulu, asekela isu labo ekuthatheni izikhundla kwezinye zezimakethe zomhlaba.

Yini okufanele uyenze ukugwema izinkinga?

Noma kunjalo, kunemithetho eyisisekelo engakusiza ukuthi ugweme ukudlula kwesinye isimo esingafuneki. Ngoba uma okufunayo ukuthi ube nemali ku-akhawunti yakho yokuhlola, into ebaluleke kakhulu ukukhetha imikhiqizo ewuketshezi kakhulu (yasebhange noma yezezimali) okwamanje. Uma, ngakolunye uhlangothi, unemali edingekayo yokubhekana ne- izinkokhelo eziphuthumayo ungaguquguquka ngokwengeziwe ekukhetheni. Ukufika ezingeni lokuthi ungabambezela isikhathi lapho uzogcwaliswa kabusha ngemali oyitshalile.

Elinye isu eliwusizo impela kulezi zimo ukukhetha amazinga esamba esheshayo esheshayo ukuzama ukuqondisa utshalomali lwakho kweminye imikhiqizo yezezimali. Ngakho-ke asisoze saba khona isikhathi sokulinda esingakwazi ukubambezela noma yiluphi uhlobo lomsebenzi ezimakethe zezimali. Zizoqhubeka ngendlela eqhubekayo, ngokulandelana. Ukusizakala ngawo wonke amathuba ebhizinisi avela nganoma yisiphi isikhathi. Kuzoba yipasipoti ezokuvumela ukuthi uvulele okuhlangenwe nakho okusha emkhakheni wokutshala imali.

Ekugcineni, umkhiqizo oketshezi kakhulu uzohlala ukukunikeza ibhalansi ye-solvent ku-akhawunti yakho yokuhlola. Obhekana nazo izindleko ezingakhiwa kumnotho wakho wasekhaya. Ukuthi ngaphandle kokungabaza uzofika usendaweni engcono ekupheleni kwenyanga. Ngaphandle kwemingcele engakhawulela ukunyakaza komndeni wakho noma isabelomali sakho. Vele, akuyona into ekha phezulu kangangoba awusayinaki kusukela manje kuqhubeke. Ikakhulu uma ufuna ukuthola uhlobo oluthile lwenzuzo eminikelweni yakho yezezimali. Okungukuthi, ngemuva kwakho konke, ngabe imayelana nani.


Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
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  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   UCarlos Mercaprestamo kusho

    Sawubona Jose, ngivumelana nakho konke okushilo, ngaphezulu ngikholwa ukuthi kungenye yezinto ezibaluleke kakhulu lapho sitshala imali yethu. Kungani ngikholelwa? Kwenzekani uma utshala imali engeyona uketshezi oluningi bese udinga ukubuyisa imali?
    Isibonelo esihle ukuthengiswa kwempahla eyimpahla engamanzi kahle.
    Uma udinga imali, uzothola ukuthi ngeke ukwazi ukuyithola ngaphandle kokuthi uthengise ngokushesha ngentengo ephansi, ngenxa yalokho ulahlekelwe yilo utshalomali.
    Kungakho ngithanda ukutshala imali emakethe yamasheya kuzitoko eziguquguqukayo zezinkampani ezinkulu ngoba kuhlala kunokunyakaza.