Uma wonga, umuzwa wokuqala odlula ekhanda lakho yilowo wokuthula kwengqondo, wazi ukuthi, uma kwenzeka okuthile, unomcamelo wokukwazi ukubhekana nezindleko ezingalindelekile. Kodwa uma lokho kongiwe kubalulekile, ukuyigcina ebhange kungase kungabi inketho engcono kakhulu. Uyafuna ukwazi ukuthi ungatshala kanjani ukonga?
Okulandelayo sizoya nikeza okhiye abathile abangaba usizo ukutshala imali yokonga. Mhlawumbe akuzona zonke, kodwa okungenani ingxenye yazo ukuze zikunikeze izinzuzo eziningi kunokuvaleleka ku-akhawunti yasebhange. Kwenze?
Imibono yokutshala imali yokonga
Okokuqala, kufanele wazi ukuthi akulula ukutshala yonke imali onayo. Ngamanye amazwi, uma ukwazile ukonga ama-euro angama-20000, akufanelekile ukuwachitha wonke ekutshalweni kwezimali ngoba awukwazi ukuthi yini ongayidinga nganoma yisiphi isikhathi futhi kunezinqubo ezithile ongeke ukwazi ukubuyisela imali kalula.
Ngalokho, ochwepheshe batusa ukuthi, uma utshala imali, noma ngabe kuyini, ungakwenzi nge-100% yokonga kodwa ngengxenye engaba phakathi kuka-40 no-60-70%. Okusele kufanele kuhlale kugxilile njengomcamelo njengoba, uma ukonga kuqhubeka nokukhula, uzokwazi ukwaba imali eyengeziwe kulokho kutshalwa kwezimali.
Ngamanye amazwi, kungcono ukuqala kancane kunokuzuma bese ukudinga.
Sesikushilo konke lokhu, imibono engcono kakhulu esiqhamuke nayo yokutshala imali yokonga yilena:
Thenga indlu
Futhi ubani othi indlu ithi indawo, ihhovisi, njll. Kungani lokhu? Asikutsheli ukuthi usuzoba nekhaya lesibili, noma usuzisebenza bese uvula ibhizinisi. Kodwa yilungiselele ukuyiqashisa.
Ngale ndlela, Uzobuyisa imali oyitshalile ngokuqashisa. Sikunikeza isibonelo. Cabanga ukuthi uthenga indlu ngama-euro ayi-100000. Kungenzeka ukuthi awunayo leyo mali elondoloziwe, ngakho-ke uyayifaka, futhi njalo ngenyanga kufanele ukhokhe i-mortgage yama-euro angu-300. Kodwa uqashisa indlu kumuntu okukhokhela ama-euro angu-800 ngenyanga. Ngaleyo mali ukhokha imali mboleko futhi une-euro engu-500 eyengeziwe ehlanzekile, okukwenza ukhokhe izindleko zokuthenga indlu.
Kuyinto eyenziwa abaningi futhi okungaba indlela yokuthola imali ngokungenzi lutho, ngoba umane uqashe okuthile okungokwakho. Yebo, kufanele uqaphele ukuthi uqashisa kubani ukuze ugweme umonakalo, ukweba nokunye.
ama-akhawunti anenzalo
Cishe kuwo wonke amabhange kunohlobo lwe-akhawunti okuthiwa iholelwa lapho, ngokushiya imali kuleyo akhawunti (ukwazi ukukhipha noma ukufaka ngaphandle kwenkinga) inzuzo ikhiqizwa ngaphandle kwesidingo sokuthatha ubungozi.
Kuyiqiniso ukuthi le nzuzo iphansi kakhulu kunezinye izinketho zebhange, kodwa futhi iphephile futhi ngaphezu kwakho konke, ungathola imali yakho noma nini lapho uyidinga ngaphandle kwezinhlawulo.
Ibhange lifaka imali
Enye inketho ehlobene namabhange imali efakwa ebhange. Lokhu kwaziwa kangcono futhi kubhekiselwa kukho beka imali ku-akhawunti engeke ithintwe kuze kudlule isikhathi. Ngokushintshana, lapho lolo suku lufika, ungathola imali kanye nenzalo etholwe ngaleso sikhathi, nakuba kukhona futhi inketho yokukhokha leyo nzalo (nakuba into efaneleke kakhulu kungaba ukuthi lezo nzalo zitshalwe ngokulandelana kwazo. ukuze uthole okwengeziwe ekugcineni).
Manje, kokubili lolu hlobo lokutshala izimali kanye nolwedlule axhumene nezilinganiso zenzalo futhi uma lezi ziphansi kakhulu akufanele ukwabelwa imali eyongiwe kule mibono emibili.
Izinhlelo zempesheni
Lapha kuya ngemibandela ibhange lakho elikunika lona. Uma kumane kulondolozela imali yakho yokuthatha umhlalaphansi, ngaphandle kokuthi inyakaze futhi ime unganyakazi, ngeke kukufanele ngoba ngokuba nayo ebhange usuvele uyigcinele leyo njongo (ngaphandle uma ungazi ukuthi uyonga kanjani futhi uchitha konke, kodwa uma uzele ukuzoba nalezo zonga siyakungabaza).
Kodwa Kungenzeka ukuthi lezo zinhlelo zempesheni zinenzuzo, okungukuthi, emva kweminyaka zikubuyisela leyo mali nenzalo. Kuya ngokuthi yimalini, ungayibona njengotshalomali lwesikhathi eside futhi olukhangayo, ikakhulukazi uma uzisebenza noma ungacabangi ukuthi ungakwazi ukufinyelela lapho uthola khona impesheni.
tshala ebhizinisini
Okungukuthi, ube Ingelosi Yebhizinisi. Lezi yizibalo lapho bafaka ingxenye yemali nolwazi ezinkampanini ukuze bathole ingxenye yenzuzo yabo.
Njengoba lelo nani lingase libe yimali eningi kakhulu, ungakhetha ukuthola i-crowdfunding, eshibhile.
dala ibhizinisi
Uma wenza into enhle, futhi ucabanga ukuthi ingaba nekusasa, kungani ungadaleli ibhizinisi lomndeni? Lokho konga onakho kungasetshenziswa ukuqala ibhizinisi, kungakhathaliseki ukuthi ngokomzimba noma ku-inthanethi, futhi uliyise phambili kalula kunokuba uqale ungenalutho.
Yiqiniso, kufanele ube nenhloko ngoba, nakuba ngonyaka wokuqala ungase ungayitholi imihlomulo, kusukela kowesibili kufanele, okungenani ukumboza ukutshalwa kwezimali okwenzile.
Izimali zokutshala imali
Ngenye yezindlela zokutshala imali yokonga, eyaziwa kakhulu futhi esetshenziswayo. Njengenzuzo okufanele uyenze azikhokhiswa izintela, kodwa kulokhu kufanele ukutshale kabusha noma ukudlulisele kwesinye isikhwama, okungukuthi, izinzuzo ozitholayo awukwazi ukuzijabulela. Kuphela uma uvala amasheya lapho kufanele ukhokhe izintela kuwo.
Imakethe ye Forex
Enye inketho yilena nokho Sincoma kuphela uma unokuqeqeshwa okwanele nolwazi lokuyisebenza ngoba inokuguquguquka okuphezulu. Okusho ukuthi, ungawina kakhulu, noma ulahlekelwe yikho konke okongile.
Tshala imali yakho kwezobuciko
Abantu abaningi bangabaqoqi futhi lokho abakuthengayo kunenani okungenzeka ukuthi, esikhathini esizayo, likhuphuke. Ngamanye amazwi, uma usebenzisa i-euro eyi-1000, kungenzeka ukuthi eminyakeni engama-20-30 leyo nto ingabiza ama-euro angama-4000 noma ngaphezulu (noma futhi ngaphansi kakhulu kwalokho okukhokhile).
Kodwa kuwuhlobo lokutshalwa kwezimali okubambekayo futhi ongazithokozela isikhashana ngaphambi kokulithengisa. Yebo kunjalo, Kufanele uqiniseke ukuthi isesimweni esihle kakhulu ukuze uthole imali eyengeziwe ngayo.
Iqiniso liwukuthi ziningi izindlela zokutshala imali oyilondolozile, yonke into izoncika ekutheni ufuna ukwenzani ngayo futhi uma kukukhokhela kakhulu ukuba nayo njenge "disguised savings" noma usetshenziselwe ukwenza inzuzo ngesikhathi esifushane, esimaphakathi nangesikhathi. isikhati eside.