Khokha ngemali noma ngekhadi? Lona ngomunye wemibuzo ejwayelekile lapho sisezindaweni zokuhweba, indawo yokudlela noma indawo yokubhuka. Lapho imibiko ikhombisa ukuthi ukukhokhwa ngekhadi lesikweletu noma lasebhange kwenziwa ngokucacile okukhulu futhi kufane nenye ye imikhuba yabathengi baseSpain. Lapho kuzohlala kunezimo ezithile ezithandekayo kunezinye ukwenza la manyolo ngale ndlela. Yize ekugcineni kosuku kuhlale kuyimali yakho uqobo okuyinto ekhuluma ngayo kulezi zimo.
Esinye isici okufanele sihlolwe ekusetshenzisweni kwekhadi lesikweletu noma ledebhithi lihlobene nokulondolozwa kwalo. Lokho wukuthi, badinga imali ephakathi kuka-10 no-50 euros minyaka yonke, kuya ngemodeli ekhethwe ngabasebenzisi bakulesi sigaba semikhiqizo yasebhange. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi banenye i-quota yokukhishwa esungulwe cishe ama-euro ayi-20. Ngamanye amagama, amakhadi wesikweletu noma asebhange awavumelekile kubanikazi bamakhadi, yize kunezinkolelo ezithile ezithandwayo.
Kepha ngokubuyisa ungenza ukubhuka ngezindlela zokuhamba, ukhokhele ukuthenga esitolo noma wenze nokusebenza ezimakethe zezimali. Kunoma yiziphi izimo, akufani ukuba nemali yakho kunokwenza ngendlela esezingeni lesikweletu. Esimweni sesibili, bakhiqiza isilinganiso senzalo esingafinyelela kumazinga afinyelela kuma-20% ngisho namaphesenti aphezulu ku- amafomethi ajikelezayo (30%).
Imali noma ikhadi
Esinye isici okufanele silungiswe maqondana nokukhokhwa kwekhadi imodeli yepulasitiki ekhethwe abasebenzisi. Uma lokhu, ikhadi lesikweletu kuzofanele lihlole ukuthi ukusebenza kungahle kungabi mahhala. Okusho ukuthi, lolu hlobo lokuhamba lufaka uchungechunge lwezindleko, njengezinga lenzalo, amakhomishini nezindleko ekuphathweni noma ekugcineni. Mayelana nenzalo, ukunyakaza kufanele kulawulwe kahle kakhulu ngoba kungakweleta ngokweqile abanini bale ndlela yokukhokha yendawo yonke. Ikakhulu, ngamanani asuka ku-5.000 euros futhi ngaphandle kwemikhawulo ngokufunwa.
Mayelana namakhadi asebhange, kufanele kugcizelelwe ukuthi lezi zingcuphe ziyaqedwa. Kulokhu, ngoba unga kuphela sebenzisa imali onayo kwi-akhawunti yakho yokonga. Ngakho-ke awukho umkhawulo wesikweletu. Yize okuphambene nalokho, okungakukhiqiza ukuthi uvame ukudonsa la makhadi futhi kungenza umgodi emndenini wakho noma kubhajethi yakho. Ngaphandle kwezindleko enazo zokukhishwa nokunakekelwa kwazo okungafinyelela ngokuphelele kuma-euro angama-50 minyaka yonke.
Amakhadi esaphulelo
Noma kunjalo, ungahlala uthola amanye amapulasitiki akuvumela ukuthi wonge minyaka yonke. Ngoba impela, amakhadi athile awusizo kakhulu angatholakala emakethe ngezikhathi zamaholide ngoba avumela abaphathi bawo ukuthi bathole amabhonasi kaningana imikhiqizo yabavakashi: amaphakheji eholide, ukubhuka kwamahhotela nezokuthutha, noma kwezinye izindlela ongafinyelela kuzo izaphulelo kwezinye izindawo zokudlela.
Lapho kunezinhlobonhlobo zamakhadi -kuzinhlelo zawo zezikweletu- ezikhetha ukunikela ngamaphromoshini lapho abanikazi bawo babamba iqhaza kuma-raffles nyangazonke phakathi nezinyanga zasehlobo, lapho inani lomklomelo lizolingana nenani lesikweletu esetshenziswe yikhasimende . Ngaphandle kwezaphulelo zokusetshenziswa, ezinye izinzuzo ezinikezwa yilolu hlobo lwamakhadi izaphulelo ezingatholakala, phakathi kuka-2% no-4% cishe, kuma-ejensi wezokuvakasha, amaketanga amahhotela, izindawo zokudlela noma imikhiqizo ethile ejwayelekile kakhulu ezinyangeni zeholide .
Futhi ekugcineni kuzoncika esinqumweni ozosenza ngesikhathi sokwenza kube semthethweni omunye wale mikhiqizo yasebhange. Lokho kusho ukuthi, uzowadingani, kuzokubiza malini minyaka yonke kanye nezinga lesikweletu ongaliqongelela eminyakeni edlule. Le yimibuzo okufanele uyiphendule ukuze kuthi kusukela manje ungabi nezimanga ezingezinhle ezingasinda kuma-akhawunti akho futhi okuyikho phela ukuthi lezi zinhlobo zezinqumo zimayelana nani.
Ukukhokha ngekhadi
Ukukhokha ngamakhadi kuwumkhuba osezihlale izinyanga ezimbalwa. Okwamanje sekukhona amazwe athile lapho ukunyamalala kwemali kuyinto engokoqobo. Ngokwezinga lale misebenzi, isetshenziswa ngaphansi kokungu-1% kokuthengiselana okwenziwa ezweni. Ngokuqondene neSpain, kanye neJalimane, elinye lamazwe e-EU asebenzisa kakhulu izinhlamvu zemali nemali engamaphepha, ngokusho kwe-European Central Bank, kodwa ikhadi selivele lingena esikhundleni semali, elimele ama-51% wemisebenzi yamaphepha emali. % wemali.
Kuliqiniso elibaluleke kakhulu phakathi kwezinkulungwane zeminyaka. Ngoba ama-80% abo enza izinkokhelo zabo ngekhadi futhi bajoyina ukuthambekela kokukhokha nge-Smartphone noma ngamanye amadivayisi wezobuchwepheshe. Kuze kube seqophelweni lokusazisa ngesitayela esikhonjiswa ngezindlela zokukhokha. Kulapho kukhonjiswa ngokuzimisela okukhulu ukuthi akukhona nje kuphela ukushintsha kusuka kukheshi kuye ku-elekthronikhi. Uma kungenjalo, ngokuphambene nalokho, kudlulela kwamanye amafomu amasha kakhulu axhumene nokukhokha kwedijithali.
Amapulasitiki anenkokhelo ehlehlisiwe
Umnikelo omkhulu walolu hlelo ukuthi luvumela abanikazi balo ukuthi bakuhlehlise ukukhokhwa kwezabo ukuthenga ezinyangeni eziyi-6 noma eziyi-12, ezikhathini eziningi ngaphandle kwemali ekhokhwayo yenzalo, yize ezinyangeni ezedlule kuvele amakhadi anolaka ngokwezinzuzo zawo ezivumela ukuba nezikweletu zangeviki noma zenyanga ukubhekana nezindleko ezingalindelekile.
Noma kunjalo bakhululekile Ngonyaka wokuqala, kufanele kucatshangwe ukuthi uma izindleko ziphakama, izitolimende eziphakeme ezizodingeka zikhokhwe kuzo zonke izikhathi ezibekiwe kwinkontileka yakho, ezingakhuphula izinga lokweleta abanikazi bayo. Le yifomula enobuhlakani obukhulu lawa makhadi ayisebenzisayo ngamafomethi wezinga eliphansi, lapho inani lenyanga elizokhokhwa linganqunywa kungakhathalekile ukuthi kuthengwe ini futhi, okuvame ukusethwa kusuka kuma-20 nama-euro angama-40, umsebenzisi azi ku ngaso sonke isikhathi inani elizokhokhwa njalo ngenyanga.
Ngezinga eliphansi
Okuhlukile ngokukhuphuka ngokwesithembiso sokuthi amabhange namabhange wokonga abekade emaketha eminyakeni yamuva ngamakhadi anendawo eyakhelwe ngaphakathi isilinganiso esiphansi ukuhlangabezana nezindleko zenyanga zabanikazi bayo. Le modality ingeyeqembu lamakhadi abiziwe ukuvukela futhi, ezibonakala ngendlela yazo yokukhokha ehlehlisiwe. Ngabo ungasetha inani lenyanga elizokhokha kungakhathalekile ukuthenga okwenziwe.
Leli khadi lihlukile kumakhadi wesikweletu akudala ngendlela yokukhokha ngoba likhokhwa ngemali ekhokhwayo, inani layo elibekwa kuma-euro angama-30 ngenyanga kuya ngesikweletu osinikiwe. Ngaphezu kwalokho, kwezinye zazo ungaba nesikweletu unomphela futhi ngokushesha. Lokhu kunikeza izihloko zakho ukulawula okungcono ezindlekweni ezisetshenzisiwe, futhi njengoba ikhredithi ikhishwa, banayo ukuze baqhubeke nokuthenga kwabo. Ngokuphambene nalokho, icabanga njengesiphazamiso esikhulu isisusa sokusebenzisa imali, ngakho-ke, amathuba amakhulu okungena esikweletini njengoba umsebenzisi ephoqeleka ukusisebenzisa njalo ngenyanga, noma ngabe bengayidingi le sevisi yezezimali.
Ukuhweba emakethe yamasheya
Ukuba wusizo kwamakhadi okuzosebenza ezimakethe zezimali kuncane, yize futhi kunolunye usizo kubasebenzisi. Ngalo mqondo, kungenxa yemisebenzi eyenziwe kusuka kumadivayisi wezobuchwepheshe futhi lokho kungenza ukunyakaza kwabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi, kusuka kupulasitiki wabo wokudonswa kwemali bangasebenza ezimakethe zezimali ngokukhululeka okukhulu ngoba bangenza ukuthenga noma ukuthengisa ama-oda kusuka noma yikuphi. Kungaba ngokwesimo sakho noma lapho uya khona eholidini, ukubala izibonelo ezimbalwa ekusetshenzisweni kwayo.
Ngenkathi ngakolunye uhlangothi, singekhohlwe ukuthi le ndlela yokukhokha ivumela ukusebenza ukuthi kwenziwe ngokushesha okukhulu kusuka kuselula noma kwenye into yobuchwepheshe. Ukuze ukwazi ukwenza ukonga kube nenzuzo ngendlela efanelekile kunoma yiluphi uhlobo lwecebo lokutshala imali. Ngaphezu kwalokho, ungafinyelela ngale ndlela yokukhokha ukuthi ungaqeda amakhomishini nezinye izindleko ekuphathweni noma ekunakekelweni, noma okungenani uzinciphise kakhulu. Kunoma ikuphi, kuyindlela entsha etholakalayo kubatshalizimali abancane nabaphakathi ukwenza utshalomali lwabo kulezi zimpahla zezimali.