Izimali zihlanganisa uchungechunge lwe imibono ezingagcwaliseki kuzo zonke izimo. Kuze kube sekuphenduke imishwana ethothwe kakhulu ekhona emkhakheni wabatshalizimali abancane nabaphakathi. Kufanele wazi lezi zihloko ezinelukuluku ukunquma lapho zingaba iqiniso khona futhi lapho kuhlangatshezwana khona njalo. Ingxenye enhle yale misho ngokuqinisekile uyayazi, kepha ezinye zingamela okuthile okusha kusukela manje kuqhubeke.
Ngoba ezweni lama-equities kuyinto ebucayi kakhulu ukuthi akufanele uyixube nolunye uhlobo lokuhlaziywa okuqinisekisiwe okuncane noma okuncane. Ziyizihloko ukuthi kuthinta ubude bokuhlala, amanani okufanele uwahlukanise ngisho namanani esitoko amahle kakhulu ukuze uwenze. Yonke into iyasebenza uma kukhulunywa ngokwenza imali ibe nenzuzo. Ngisho ngokusebenzisa imishwana embalwa ehlelwe kancane ngaphakathi kwesichazamazwi sakho ebudlelwaneni bakho nezwe eliyinkimbinkimbi lemali. Vele, akufanele usibukele phansi lesi sici kancane kude namasu ahlobene nokutshalwa kwezimali.
Kunoma ikuphi, kuzokusiza wazi okuthe xaxa mayelana nokusebenza kwengqondo lokho kufaka imali engenayo eguquguqukayo. Noma kunjalo ukuze wenze amaphutha ambalwa kunamanje. Ngoba empeleni, kungaba yipharamitha enhle kakhulu kuwe yokwenza konke ukusebenza kwakho kumakethe yezezimali. Hhayi kuphela emakethe yamasheya, kepha nakwezinye izindlela, njengezimakethe zezimpahla, izinsimbi eziyigugu noma izibopho zenkampani. Akukho ukukhishwa ekusebenziseni lolu hlobo lwesihloko esikhethekile ngolimi lwakho olujwayelekile.
Izihloko: uhlala unqoba emakethe yamasheya
Yize kuyinto ejwayelekile ukuthi esikhathini eside lesi simo sigcwaliseka, akuwona umthetho ojwayelekile ukuthi unqobe kuyo yonke imisebenzi yakho ezimakethe zezimali. Ngoba kumane kuyisikhwama ngakho-ke noma yini ingenzeka. Wina noma ulahlekelwe ngokuya ngokuvela kwezimakethe zezimali ngesikhathi esinqumayo. Vele, kuyinto engalindelekile futhi encike ezintweni eziningi. Ngakho-ke akumele wamukele kakhulu lolu hlobo lokuphawula kumibuthano yezezimali. Okungenani ngokuzungeza okufanele kakhulu.
Kudingeka imali eningi ekutshalweni kwemali
Kulokhu, lesi simo asigcwaliseki futhi. Ngoba ungathatha izikhundla emalini kusuka ngaphansi kwama-euro angama-100. Yize ukusebenza ozokuthola kungabiza kakhulu. Uma ufuna ukukhiqiza inzuzo enkulu yemali, ngeke ube nokunye ongakwenza ngaphandle kokunikeza imali ethanda imali kakhulu. Kuzoba esinye sezihluthulelo ukuze ukwazi ukuqhubeka nokuphila emakethe yamasheya kusukela manje kuqhubeke. Ngoba ngokuvamile abatshalizimali bakhetha amanani afunwa ngempela uma kukhulunywa ngenani labo. Kepha ngaphandle kokuba yimfuneko ekhethekile ukuze ukwazi ukuvula izikhundla kunoma yikuphi ukuphepha kokulingana.
Ingozi enkulu ukulahlekelwa yikho konke
Okuthile okubucayi kakhulu kufanele kwenzeke ukuze ushiye yonke iminikelo yakho yezezimali ekusebenzeni kwalezi zici. Akumangalisi ukuthi cishe akunakwenzeka ukuthi ibhalansi yakho yehle iye kuziro. Kuphela uma izinkampani ziyeka ukufakwa kuhlu emakethe yamasheya lapho uzolahlekelwa yimali oyitshalile kulezinhlangano. Kunoma ikuphi, isikhwama ithwala izingozi eziningi ekusebenzeni kwakho, lapho ungashiya khona ama-euro amaningi endleleni, kodwa hhayi konke. Ngalo mqondo, kuyinto okufanele uyinake lapho uhlela utshalomali lwakho kulolu hlobo lwezimakethe zezezimali.
Noma kunjalo, kunezinye izibonelo ezimweni ezingezinhle kangako ezingaphakanyiswa kwesinye isikhathi. Yize ngendlela ebekeke kakhulu kunanoma yini enye. Esinye sezibonelo ezifanele kakhulu yilokho okwenzekile kubaninimasheya be- I-Banco Popular balahlekelwe yiyo yonke imali abayitshale. Kepha akuyona into evame ukukhula ezimakethe zezezimali. Kuyinduduzo encane ozoba nayo lapho izinto zingenzeki njengoba ubuhlelile kusukela ekuqaleni.
Imakethe yamasheya ikhiqiza imbuyiselo engaguquki
Abatshalizimali abangenalwazi noma abangenalwazi kuphela abangasho isihloko salezi zici. Ngoba kumasheya akukho ukubuyiselwa okungaguquki kwanoma yiluphi uhlobo futhi akuqinisekisiwe. Ngaphandle kokuthi ubheke izinzuzo ezilawulwa yilokhu kukhethekile. Ngoba uma uzokwenza imali oyongelayo izuze kusukela manje, kufanele wazi ukuthi alikho inani lenzalo elingaqinisekiswa. Ungalokothi nangaphansi kwanoma yiluphi uhlobo lwendlela yokutshala imali. Akukhona ngemali engenayo engaguquki lapho kukhona ukukhokha okungaguquki cishe kuyo yonke imikhiqizo yezezimali. Kufanele uhlukanise womabili amamodeli ekutshalweni kwemali ukuze usebenzise isu elilodwa noma elinye.
Yenzelwe wonke amaphrofayili
Kuyiphutha elibi elivelayo kulokhu kugomela ngokwezigaba. Kufike ezingeni lokuthi lingakudukisa lapho ukhetha umkhiqizo omuhle kakhulu ukwenza ukonga kube nenzuzo. Ngoba, uthanda noma cha, isikhwama senzelwe abatshalizimali abanolaka kakhulu. Futhi phakathi kwezimo zabo abasesimweni lapho bangacabanga ukulahlekelwa okuvulwa yimisebenzi evulekile kulezi zimakethe zezezimali. Ngaphezu kwalokho, ukuze usebenze emakethe yamasheya kufanele unikeze isiko elikhulu lezezimali ukwedlula eminye imikhiqizo yezimali. Okuthile okungenzeki kwabasindisi abaningi abalingeka ukuvula izikhundla ezimakethe zezimali. Akumangalisi ukuthi kungenye yeziphambeko ezivame ukwenziwa abanye abantu futhi ezingakhokhelwa ngokuhlinzwa okungalungile.
Kuhlala kuyisikhathi sokuthenga
Ngokobuchwepheshe, lesi sihloko singahle sihlangane naso. Kepha akufanele isetshenziswe cishe nganoma yisiphi isikhathi ngoba ingaveza inkinga engaphezu kweyodwa ekusebenzeni okwenziwayo. Ngokuphambene nalokho, kuzobaluleke kakhulu ukuthi ulungisa umgomo ukunquma ukuthi ngamaphi amazinga entengo okufanele ukwenze kube semthethweni ukuthenga emakethe yamasheya. Ngoba impela, esinye sezihluthulelo zokuthengiselana okuhle kwezimali ukulungisa amanani entengo. Futhi uma kungenzeka nakwezentengiso. Ukuze ukusebenza kwezimpahla zakho kube okulungile kakhulu futhi ungakudlulisela kubhalansi ye-akhawunti yakho yokuhlola. Kungakho kungafanele ukuthi uthole amasheya nganoma iyiphi intengo ngoba imisebenzi izokwenzelwa ukwehluleka.
Kwakha ukuzinza okuningi
Yize lesi simo singenzeka, akuyona into ejwayelekile kulezi zimakethe zezezimali. Ngoba empeleni, ezimakethe zamasheya ukuguquguquka kwentengo yamasheya kuyinto ejwayelekile engxenyeni enhle yamaseshini wokuhweba. Kepha ngokujwayelekile umehluko ophuphe ngokunikela phakathi kwamanani aphezulu kanye namanani aphansi ayancomeka impela. Ngamamajini ajwayele ukudlula umgoqo ongu-2%. Uma okudingayo ukuzinza kwemali yakho, impela isikhwama akuwona umkhiqizo ongcono kakhulu ongawukhetha. Yize kunezikhathi ezinokuthula okukhulu futhi ezinokuhluka okuncane kakhulu kwezinguquko. Ukufika ezingeni lokuthi ungakhetha ezinye izinhlobo zokutshala imali ezingadingi kakhulu. Isibonelo, izimali zokutshala imali ezisuselwa kwizimali noma ezisohlwini. Akumangalisi ukuthi uzoba sesimweni esingcono sokubalawula nganoma yisiphi isikhathi.
Imali etholakalayo mikhulu kakhulu
Vele, le ndlela ayilona iqiniso nhlobo. Ngoba empeleni, ingaba banzi kepha futhi incane noma ilahlekelwe yimali ekusebenzeni. Hhayi ngeze, konke kuzoya ngezici ezingenakubalwa ngoba awukho umthetho ohleliwe wokwazi ukuqina kwezinzuzo. Emakethe yamasheya kuyinto engalindelekile ngokuphelele nokuthi awukwazi ukubona kusengaphambili. Kungokunye kokuheha lo mkhiqizo wezezimali futhi abantu abaningi abakhetha ukunyakaza kwabo. Ngakho-ke, kuyisihloko esingafanelekile ukusisebenzisa, ingasaphathwa eyokuziba kusuka manje.
Njengoba ubonile, awudingi ukwenza zonke izinhlobo zamazwana ezikhiqizwa ezimakethe zezezimali. Kuze kube seqophelweni lokuthi kuzofanele ukhethe kakhulu ngokuzifunda. Ngoba awukwazi ukukhohlwa ukuthi kwesinye isikhathi bangakwazi kukulimaze kuzintshisekelo zakho. Ekupheleni kosuku, yilokhu okukhulunywa ngakho futhi awukwazi ukushiya imisebenzi iye ekuvuseleleni. Futhi-ke, kakhulu kumazwana noma ezihlokweni ezivela kwabanye abantu abanezintshisekelo ezimakethe zezimali.
Kubaluleke kakhulu ukuthi wazi ukuthi lezi zinhlobo zokusebenza zilawulwa ngezindlela ezithile ikakhulukazi lezo eminye imikhiqizo yezezimali engenazo. Ngoba noma imuphi umcimbi ongathuthuka ungonakalisa amasu okutshala imali asetshenzisiwe. Awukwazi ukukhohlwa nganoma yisiphi isikhathi uma ufuna ukuqondiswa ezindleleni zakho zokwenza ngokuqapha okukhulu ezenzweni zakho.
Kodwa-ke, zingaba usizo kuwe ekuhleleni elinye isu elingajwayelekile. Ngoba ngalo mqondo, kungakunika umkhondo ongajwayelekile mayelana nesimo esingokoqobo noma esingaphansi kwezimakethe zezezimali. Kepha inqobo nje uma uzisebenzisa ngokuqapha okukhulu.