Esinye sezigaba ezibucayi kakhulu zenqubo yokutshalwa kwezimali kulapho izikhundla zakho kumasheya zisendaweni engemihle, okungukuthi, ulahlekelwe. Akekho ofuna lesi simo esingesihle, kepha ukuvela kwezimakethe zezimali, kwesinye isikhathi ngokungalindelekile, nakanjani kukuholela kulokhu isimo esiyingozi kangaka ngezintshisekelo zakho njengesilondolozi.
Uma ufinyelela emazingeni okulahleka kuphothifoliyo yakho yokutshala imali, ngeke ube nenye indlela ngaphandle kokuthi uthathe isinyathelo ngokuphuthumayo, uze ucabange ukuthi wenze iphutha futhi wavala imakethe yamasheya, noma ngabe lokho kuzokubiza kakhulu. Kufanele uyicabange ngokushesha okukhulu ukulungisa le nkinga onayo ebudlelwaneni bakho nezimakethe zezimali. Ukugcina ukuma okungaguquki, ngakolunye uhlangothi, kungakulimaza ngaphezu kokukuzuzisa, noma kukhathazeke.
Kulesi simo esingesihle neze, ngaso sonke isikhathi kungcono ukuthi ungacubunguli ngokuqhubekayo ekulahlekelweni okwenziwe kwafika kulelo phuzu. Inhloso yakho enkulu izofaka phakathi vikela imali oyongile Ngaphezu kwakho konke. Akumangalisi ukuthi ukusebenza okubi kungabekezelela izimali zakho, kepha uma ziphindwa, isimo sizoba nzima kakhulu kuwe. Ngisho nokufinyelela kumazinga angabekezeleleki kakhulu. Kuzofanele wenze isinqumo, futhi ngokushesha kube ngcono.
Kuya ngezikhathi zokugcina ezikhethiwe
Esinye sezici esizocacisa kakhulu ukuthi ungamelana kangakanani nokulahlekelwa kwizimali kuzoba yi isikhathi sokuhlala lapho utshalomali lwakho luqondiswe khona. Njengoba lokhu kukuncane, ubunzima buzokhula, njengoba ubona ngale ndatshana ezimakethe zezezimali.
Ezokuqala zezimo zizophakanyiswa ezikhundleni a isikhathi esifushane. Ngeke ube nezixazululo eziningi zokuxazulula inkinga enkulu osufinyelele kuyo. Isixazululo sizoqala ngo- a vala ngokushesha ezikhundleni ezimakethe zamasheya. Awunazo ezinye izindlela zokuzivikela, ngaphandle kokwehluka kwezindlela zakho zokubhekana nesikhathi esiphakathi noma eside. Ngaphandle kwenjongo ngaphandle kokulungisa isimo sephothifoliyo yakho yokutshala imali.
Ngokuthengisa amasheya ezimakethe zezimali uzoba uthatha iphutha lokusebenza kwakho, kodwa ngeke ube nokuzikhethela. Ngaphandle kokuthi uzame ukunxephezela ukulahleka ngokusebenzisa inzuzo emisebenzini yakho emisha kusukela manje kuqhubeke. Ukuphela kwendlela yokuphuma ukuze uqedele ngempumelelo ukunyakaza kwakho ezimakethe zamasheya.
Uma izindlela zakho, ngokuphambene nalokho, ziqondiswe esikhathini esimaphakathi neside, uzoba nezinketho ezinkulu zokuphuma kule mibutho ungalimele. Hhayi ngeze, uzoba nomatilasi wezinyanga eziningi ezizayo. Yize ngobubi obucacile bokuthi uzolahlekelwa ngamathuba amaningi okwenza ukonga kwakho kube nenzuzo. Kepha lokho manje ukuxazulula inkinga onayo namuhla.
Ukulahlekelwa: kumbozwe yinzuzo yemali
Ngaphezu kwalokho, ungavikelwa yimali etholakalayo esatshalaliswa yizinkampani ezibalwe kubaninimasheya. Ngale ndlela, ngisho nokulahlekelwa ungabanxephezela ngale nkokhelo engaguquki futhi eqinisekisiwe minyaka yonke. Kufika ezingeni lokuthi ungavala izikhundla ngezinzuzo kubhalansi ye-akhawunti yakho yezokuphepha. Kuyisu elisetshenziswa ngezikhathi ezithile ngabatshalizimali abavikela kakhulu, abangafuni ukubeka engcupheni ukunyakaza kwabo ezimakethe zezimali.
Esinye isenzo ongasisebenzisa esikhathini esimaphakathi nesikhathi eside ukuthengisa amasheya ngokulahlekelwa ukuthola ukwelashwa okungcono kwentela esitatimendeni seholo lakho elilandelayo. Ngalo mqondo, into esebenzayo kunazo zonke ukuthi ubonisane nomeluleki wakho wentela, futhi kube nguwe onquma ukuthi le nhlangano ongayenza inenzuzo yini ukukhokhela ukulahlekelwa okwenziwe kuze kube yileso sikhathi.
Inani lamanani
Lokhu kuguquguquka ngeke kube nokubaluleka okuncane ukukhawulela ukwehla kwephothifoliyo yakho. Okungenani kufanele ulazise ngokungathi sína kusukela kulo mzuzu kuqhubeke. Akufani ukukhiqiza inzuzo etholakalayo ngamanani amancane kakhulu, kunokuba utshale imali engaphezu kwamanani ahloniphekile. Esimweni sokuqala ungakucabanga, kanti kwesibili kuzoba ngaphezu kokunengeka okukhulu. Ngakho-ke ukubaluleka kokutshalwa kwemali okuhlukahlukene ukuze kuvikelwe ukonga.
Uma kwenzeka kwenzeka ukuthi utshale imali eningi, ngeke kube khona okunye ongakwenza ngaphandle kokuba nolaka olukhulu lapho usebenzisa izixazululo. Kusukela ekuqaleni, futhi ngaphandle kokuvumela ukulahlekelwa kusebenze. Njengoba ingakhiqiza isimo esingaphezu kobucayi. Empeleni, isu eliphumelela kakhulu ukuze lesi simo singafinyeleli kokukhulu lizoqukatha yenza i-oda elibizwa nge-stop loss.
Lolu hlobo lwe-oda lusebenzela ukunciphisa ukulahleka. Kuzohlala njalo kungcono ukulahlekelwa ngu-3% eminikelweni yakho yezezimali, ukuthi lokhu kukhuphuke kuze kufike ku-8%, ngisho nangaphezulu ezimweni ezingezinhle neze ezimakethe zezimali. Luhlobo lokunyakaza okulula kakhulu ukulusebenzisa nokuthi ngeke kuhlanganise izindleko ezingeziwe ekusebenzeni kwemakethe yamasheya.
Kulesi simo kwesinye isikhathi esiyinkimbinkimbi, kuzofanela ukalwe ngokunemba okukhulu lapho uqondisa khona ukuthenga kwakho ezimakethe zezezimali. Noma yikuphi ukubalwa kwephutha, noma ngabe kuncane kangakanani, kungakubiza ama-euro amaningi endleleni. Ungakhethi ukuphepha okuqagelayo. Kuyiqiniso ukuthi ungathola inzuzo enhle kakhulu yemali, kepha ukulahlekelwa kungalingana nobukhulu obulinganayo. Kufanele uqaphele kakhulu ekusebenzeni, ikakhulukazi kokukhulu kakhulu.
Amaphrofayli Okutshalwa Kwezimali
Ungahle ungazi, kepha iphrofayili oyivezayo njengotshalomali oluncane noluphakathi nayo izodingeka ukuze ube nesu elichazwe kabanzi lokuphatha ukulahlekelwa okwenziwe ezimakethe zezimali. Ngeke kube isu elifanayo lokuthi umtshalizimali onolaka kumele alisebenzise kanjani, njengalokhu okwenziwe ngokusemthethweni yizimakethe zezimali ezigcina kakhulu.
Kulesi simo, umtshalizimali onolaka, futhi kwezinye izimo ngisho nokuqagela, uzoba nezinsizakusebenza eziningi phatha ukulahlekelwa kwakho emakethe yamasheya. Ukufika ezingeni lokuthi ungazamukela ngokwemvelo ngokwengeziwe. Kunemisebenzi eminingi kakhulu eyenziwa phakathi nonyaka kangangokuthi kubo yingozi kuphela eyingxenye yecebo labo lokutshala imali.
Abatshali bezimali abavikelayo, ngakolunye uhlangothi, banomkhawulo ezenzweni zabo. Isikhathi kuphela esidlala ngezintshisekelo zakho. Noma ikuphi ukwehla kwezikhundla zabo zokuthenga kungukuhlehlela emuva kwabo. Futhi lokho kuyashuba kakhulu lapho kufanele babhekane nezimo zemali. Babhekene nesidingo sokukhokhela isikole sezingane zabo, ukukhokha isikweletu kubantu besithathu, noma ukukhokha okungalindelekile hhayi kubhajethi yabo yasekhaya. Kwesinye isikhathi ngeke babe nenye indlela ngaphandle kokuthengisa amasheya abo esimweni esingesihle.
Ukuze lesi simo singakhuli, ikhambi elihamba phambili liqukethe tshala kuphela leyo mali ongeke uyidinge okwesikhashana noma kancane kokuqonda. Kuzoba isu elihle kakhulu ukugwema ukudlula kunoma yiziphi zalezi zimo lapho amasheya asetshenziswa kabi ezimakethe zezezimali. Ungakhohlwa uma ungafuni ukwenza iphutha elikhulu eminyakeni embalwa ezayo.
Imiphumela yezengqondo ekutshalweni kwemali
Enye yezinto ezimakethe ezilinganayo ezimbi kunazo zonke ezingakwenzela zona ukuthi zingakwazi shintsha imizwa yakho. Akumangalisi ukuthi kuvamile kwabanye babatshali bezimali (ikakhulukazi abangenalwazi) ukuthi lapho besesimweni sokulahlekelwa kuphothifoliyo yabo yokutshala izimali uhlamvu lwabo luguquka ngokuphawulekayo. Kufike ezingeni lokuba i-irascible, futhi nezinga elithile lokukhathazeka. Kunzima ukuthi balale, futhi bazi kuphela okwenzekayo ezimakethe zezimali.
Akufanele uye kulokhu kweqisa ngaphansi kwanoma iziphi izimo. Futhi uma ubona ukuthi lesi simo singenzeka, into enengqondo kunazo zonke ukuthi awuzinikeli ekutshaleni imali. Uneminye imikhiqizo ukuze uzolile (imali yesikhathi, amanothi ezethembiso zebhange, izikweletu zomphakathi njll.) lapho uzonethezeka khona. Bazokhiqiza imbuyiselo emisiwe futhi eqinisekisiwe, noma ngabe ingagculisi ngokuphelele izintshisekelo zakho. Khumbula ukuthi awunaso isibopho sokuvula izikhundla ezimakethe zamasheya.
Amathiphu okuphila nokulahlekelwa
Ukulahlekelwa yimali akuwona umuzwa omnandi kunoma ngubani, ngisho kubatshalizimali abancane nabaphakathi. Kepha uzokwazi ukuyiphatha ngempumelelo enkulu uma eminye imigqa yesenzo ewusizo kakhulu ibalulekile kulezi zimo. Kuzoba lula ukuthi ubazi, ngoba kwesinye isikhathi kungadingeka ukuthi usebenzise. Yibo esikudalula ngezansi.
- Zama ngazo zonke izindlela uku vikela imali oyongile. Kokubili kusungula amasu afanele okutshala imali, kanye nasekukhetheni okufika ngesikhathi kwezokuphepha ezakha iphothifoliyo yakho yokutshala imali.
- Phatha inkinga lapho ivela, hhayi lapho sekwephuze kakhulu futhi awusenayo indlela yokuzivikela ekulahlekelweni ukuphepha kwakho. Ngeke ube nokunye ongakwenza ngaphandle kokuganga kakhulu kukho konke ukusebenza ezimakethe.
- Ukutshala imali emakethe yamasheya inobungozi kuyo yonke iminyakazo. Uma ungacabangi ngaleli qophelo, uzobe uletha ukungaziphenduli okukhulu ongazisola ngakho ngezikhathi ezilandelayo zemakethe yamasheya.
- Njengecebo lokutshala imali, kuzohlala kungcono njalo ngikuthathe ngokuqonda. Futhi kungcono ukuthatha inzuzo encane yemali kunokulindelwe ukwazisa okukhulu ngentengo yamasheya.
- Tshala imali oyongile izimo ezinhle kakhulu ngezintshisekelo zakho, futhi ungalokothi uphambane negagasi lalokho okushiwo izimakethe zezimali, noma nomsebenzi womnotho wamazwe omhlaba uqobo.