Isikweletu esihle, isikweletu esibi kanye nesikweletu sokukhiqiza imali

Sonke siyazi ukuthi umuntu ngamunye unobuntu bakhe. Ngokulandelayo, bahlobana nezwe ngendlela ehlukile, into edluliselwa nasebudlelwaneni babo nezezimali. Ukungazinaki kakhulu kukwenza ukhukhuleke kakhulu, okuphambene nokuthi ubani ozama ukuzilawula nokuphatha kangcono isimo sazo somnotho. Kunezindleko ezincane kanye nezindleko ezinkulu, njengezikweletu ezincane nezikweletu ezinkulu. Kodwa umbuzo uwukuthi, wazi kanjani ukuthi isikweletu esibi noma isikweletu esihle?

Esihlokweni esisithintayo sizofunda ukuhlukanisa yiluphi uhlobo lwesikweletu okufanele sisibalekele, nokuthi iyiphi eyamukelekayo noma enhle kithi. Indlela yokusebenzisa ngokunenzuzo isikweletu, noma indlela yokunquma, uma kudingekile, ukuthi singabekezelela ngezinga elingakanani izinga elithile lesikweletu.

Isikweletu esinobuthi

Izikweletu ezivela ezifisweni esifuna ukuzanelisa manje zingezaleli qembu. Ngokuvamile okubangelwa ukuntula isineke. Ingolunye lwezinhlobo zezikweletu ezivame kakhulu ezikhona, ngenxa yamanani aso ngokuvamile aphansi. Ngokulandelayo, lokhu kukwenza kube yingozi kakhulu, ngoba ngokuvamile akulethi nzuzo.

Ake sicabange ukuthi kukhona I-smartphone entsha esifuna ukuyithenga. Asinayo imali, kodwa isitolo noma ikhadi lesikweletu liyasivumela ukuthi siyithenge. Esinye isibonelo, i-TV entsha. Asinayo imali yokuyithenga, ngaphandle kokuthi sibe nethelevishini ephukile, bakhona abangangena ezikweletini ukuze bathole entsha yize ikhona esebenzayo, noma isindala. Lezi yizibonelo zezikweletu ezimbi, futhi uma kuhlanganiswe nenzalo ephezulu okubi kakhulu.

Ezimweni ezimbi kakhulu, ngezinye izikhathi isikweletu sidlula impilo yokusebenziseka yomkhiqizo noma isevisi ngalokho okuvunyiwe. Ngokwesibonelo, iholidi. Ingabe kunengqondo ukukhokha incwadi ethi, ngisho noma incane, ingeyeholide elalihlala eminyakeni engu-3 edlule, okuyinto encane ekhunjulwayo?

Imikhuba yokugwema ukuwela ezikweletini ezinobuthi

• Isiyalo Yiba nesimiso sokulondoloza imali. Akumele kube okuningi ekuqaleni uma ungakwazi. Okubalulekile ukuthi ungawuyeki umkhuba.
• Ungaweli emithandazweni. Ungangeni esikweletini ngemikhiqizo osuvele unayo. Uma unemali futhi ukwazi ukuyikhokhela, kuzoba yisikhathi.
• Intshisekelo ephezulu. Ungangeni esikweletini esinenzalo enkulu, kungakhathaliseki ukuthi sincane kangakanani. Iqoqo elikhulu lazo lingaklinya umnotho wakho.

Isikweletu esihle

Nakuba igama elithi “isikweletu” livame ukuhlotshaniswa nento embi noma engathandeki, iqiniso liwukuthi kuye ngokuthi isikweletu sisetshenziswa ngani, singaba kuhle. Okulandelayo, sizobona izici ezigqama kakhulu zalolu hlobo lwezikweletu.

• Zisetshenziselwa ukuthenga impahla. Isikweletu esihloselwe ukuthengwa kwezakhiwo, imoto yakudala, noma umsebenzi wobuciko kungabhekwa njengesikweletu esihle. Lezi zinhlobo zezimpahla zivame ukwazisa ngokuhamba kwesikhathi, futhi ngaphandle uma kukhokhiwe inani eliningi, kunenzuzo enkulu kunokuthola isikweletu sokuya eholidini.
• Bangenisa imali. Izikweletu ezinhle zingabika imali engenayo. Isibonelo esivame kakhulu ukuthenga indlu ozoyiqashisa. Kepha ungafaka lapha lezo zifundo zemfundo noma amakhosi azokusiza ukuthi ubhekane kangcono nomsebenzi wakho wobungcweti. Akukhona lokho kuphela, isikweletu sokuthola ibhizinisi elinenzuzo futhi siyisikweletu esihle.
• Imali ethe xaxa yenzelwa utshalomali lwakho. Futhi lokhu kuyingxenye ethakazelisa kakhulu yezikweletu ezinhle, zikuvumela ukuba ucebe ngokushesha. Lokhu kungase kuphikisane futhi kungabi nengqondo kakhulu, kodwa uma ukwazi ukuthola inzuzo eyengeziwe kunezinkokhelo zanyanga zonke ozenzayo ngokuba nakho, kusho ukuthi kuhamba ngendlela efanele. Sizokubona ngokulandelayo.

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9 Izindlela zokungangeni ezikweletini ezimakethe zamasheya

Yenza imali ngezikweletu

Impela ulizwile igama elithi "i-leverage". Kumayelana nokukwazi ukuhambisa inani elikhulu lemali kunaleyo onayo. Isetshenziswa kakhulu ezimakethe zezimali, isibonelo ngemikhiqizo efana nama-CFD nekusasa. Inkinga ukuthi ukulahlekelwa, uma senza iphutha, kungadlula imali yethu kulezi zimo. Ngamanye amazwi, lokhu kungaba ngokweqile. Into okufanele uyigweme.

Indlela elula nenempilo yokukhulisa amandla ilele ekuceleni ikhredithi inani elifana nalokhu esinakho. Lesi sikweletu okukhulunywa ngaso, ngaphezu kokufuna ukusinciphisa, sihlose ukuthola imbuyiselo kuso. Ingasetshenziselwa ikhaya, ibhizinisi, ilayisense yebhizinisi, nanoma yini esifuna ukuthola ngayo imali engenayo. Ake sikubone kangcono ngesibonelo.

Thola amandla ngekhaya ozoliqasha

Ukuze ngiqonde umbono futhi ngiwenze ube lula, ngizoziba izindleko ezitholakala ekuthengeni nasekumisweni ngokusemthethweni kwempahla mboleko.

Ake sicabange ukuthi ngenxa yefa, ilotho, ukonga, noma yisiphi isizathu, sine-euro eyi-140.000 ku-akhawunti. Sinenketho yokuthenga ifulethi elinenani lama-euro ayi-140.000, inani elifanayo nje. Kunezinketho ezimbili zokuyithola. Enye iwukukhokha ngokheshi, kanti enye ngokukhokha isikweletu esinikeza u-20% kusengaphambili okudingwa yibhange. Imuphi umehluko okhona?

1. Ikhokhwe ngokheshi. Sithenge iflethi ngama-euro angu-140.000 futhi saliqasha cishe ngama-euro angu-650. Lokhu kungasinika isamba sama-euro angu-7.800 ngonyaka, okungukuthi, imbuyiselo yonyaka engu-5,57%. Ingxenye enhle, asinaso isikweletu. Ingxenye embi, i-akhawunti yasebhange ihlala ingenalutho ekuqaleni
2. Sicela imali yokuthenga indlu. Sinikeza ama-euro angu-28.000 inkokhelo ephansi, futhi sinencwadi yeminyaka engu-30 ku-2% wama-euro angu-450 ngenyanga (izintela ezitholakala ekuthengeni sezifakiwe kakade). Ngaphandle kweqiniso lokuthi ingxenye yefulethi ikhokhelwa ngerenti, sinenzuzo enkulu yama-euro angama-200 ngenyanga, okungukuthi, i-2.400 ngonyaka. Kuma-euro angama-28.000 akhokhelwe ekuqaleni, kuyimbuyiselo engu-8,57%. Kuphinde kubonakale ngenye indlela, i-mortgage isivumela ukuthi sithole imali engenayo enkulu kunemali esiyithuthile. Ngaphezu kwalokho, uma sinezinkinga phakathi nezifundo, sihlala njalo sizoba nemali ku-akhawunti yasebhange.

I-athikili ehlobene:

Imali mboleko engaguquki noma eguquguqukayo?

Lesi sibonelo, esibonisa kakhulu kunokusebenza, esokukhombisa ukuthi imali ingahamba kanjani ngendlela efanele uma ukwazi ukulawula kahle izimali. Ngeke kube nengqondo ukucela imali ebolekwayo kanye nemali esingakayiceli ukuyisebenzisela ezinye izinto esizithandayo, kungaqala ukuba yingozi uma kubhekwa noma yikuphi okwenzekayo esikhathini esizayo. Kodwa-ke, ukungachithi imali enkulu futhi kusivumela ukuthi sibhekane nanoma yikuphi ukuchitheka noma uma kukhona okusalayo, yitshale kokunye esithakaselayo. Ngale ndlela, kuphethwa ngokuthi isikweletu esisetshenziswe kahle singangenisa imali futhi senze imali ikhule ngokushesha.