Ngesikhathi uyofuna uhlobo oluthile lwemalimboleko, ungangabazi ukuthi into yokuqala abazoyifuna ebhange kuzoba ngumholo wakho. Noma okungenani imali engenayo ejwayelekile etholakala emsebenzini wakho wobuchwepheshe noma webhizinisi. Yebo, uma ungenayo le dokhumenti ebalulekile, kufanele ulindele ukusabela okubi kakhulu. Lokho kusho ukuthi, wena ukuphika isicelo yanoma yimuphi umugqa womuntu siqu wesikweletu. Kodwa-ke, awunakho konke okulahlekile ngoba unesu elixakile lokufeza imali ngaphandle komnikelo weholo.
Ngakolunye uhlangothi, ukukhokhelwa kuyindlela yokuthola isikweletu ngaphansi kwezimo ze ukuqashelwa enomusa ngokwengeziwe. Noma yini efanayo, ngokuncishiswa kwezinga lenzalo amabhange asebenza kuwe, njenge- ukukhululwa kwekhomishini nezinye izindleko ekuphathweni nasekugcinweni kwayo. Kepha ukugxila kulokho okuyimali mboleko ngaphandle kokukhokha. Ukuze ngale ndlela, ungammangalela ngalezi zikhathi eziqondile. Ngoba uzoba nokunye okungaphezu kokukodwa ukwanelisa lesi sidingo esinengxenye enhle yabasebenzisi abaseSpain njengamanje.
Ngoba imali mboleko engenayo inkokhelo ingenziwa ngokusemthethweni ngamabhange uqobo. Kepha futhi ngezinye iziteshi zokumaketha. Isibonelo, kusuka ezikhungweni zezikweletu kuya kubantu ngabanye noma ngisho naku- amapulatifomu digital. Kunoma ikuphi, uzoba nempendulo yezidingo zakho ezithile zokukhokha. Yize kulula ukuthi wazi ukuthi bazokhiqiza izimo zokwenza izinto ngokusemthethweni, kwamanye amacala abanga kakhulu noma ngisho nasezindleleni ezifuna ngempela. Ngabe uzimisele ukwazi ukuthi le migqa ekhethekile yezimali ivelaphi, kodwa ngasikhathi sinye ejwayelekile phakathi kwabasebenzisi?
Imali mboleko ngaphandle kwamaholo emabhange
Ungaya ebhange lakho elijwayelekile uyocela noma yiziphi izimali mboleko ngaphandle kokukhokhelwa lokho bathengisa ngalesi sikhathi esiqondile. Ngoba empeleni, kwamanye amacala ongawethula, ungawenza abe semthethweni ngaphandle kwenkinga. Yize ngokuqiniseka konke ukuthi zizobeka ezinye izinhlobo zezimo. Ngabe ufuna ukwazi okunye okufanele kakhulu? Yebo, enye yazo izoba nokuba nenkontileka neminye imikhiqizo nebhizinisi. Isibonelo, izinhlelo zempesheni, izimali zokutshala imali noma umshwalense womuntu siqu, phakathi kokunye okubaluleke kakhulu.
Lawa malayini wesikweletu anikwe amandla okuxhasa ngemali encane. Ngokuvamile ngamanani angaphansi kwama-euro angama-10.000 nangesikhathi sokukhokha esiphezulu seminyaka eyishumi. Kodwa-ke, kufanele kuhlangatshezwane nezinye izidingo eziningi. Phakathi kwalabo abagqama ukuthi ummangali akahlanganisiwe ku uhlu lwabasebenza ngokungafanele, njengeRAI noma i-ASNEF, banerekhodi elihle kakhulu lasebhange futhi kwezinye izimo banesiqinisekiso somuntu siqu noma izimpahla ezibonakalayo. Ngoba empeleni, esinye sezikhiye zokuthola lolu hlobo lwemalimboleko sihlala lapho kukhona umqinisekisi.
Izimo zemalimboleko
Uma uzocela omunye wale mikhiqizo yasebhange, kufanele wazi ukuthi ngeke sibe khona isaphulelo maqondana namazinga wenzalo lapho ibhange lizosebenza kuwe. Uma kungenjalo, kunalokho, amamajini wokuhweba ajwayelekile okwamanje ahamba phansi. Okungukuthi, phakathi kuka-7% no-10%, kuya ngocingo lwesikweletu olufunwayo. Esinye isici ozodinga ukusihlola ukuthi nakanjani bazoba nekhomishini ethile, ikakhulukazi leyo yokufunda noma yokuhlolwa, engafinyelela ku-2% wemali isiyonke. Okuthile okubolekwe yimali engakhokhi.
Kunikezwe izinhlangano zezezimali
Uma ekugcineni bengakuniki le mali, uzohlala unendlela yokukhetha ababolekisi. Izinsizakusebenza zemvume yalo zilula, yize ngokubuyiselwa kuzozenza zibe nzima izimo ekuqashweni kwayo. Lokhu kungale ndlela ngoba ngeke bafune ukwesekwa kweholo noma imali ejwayelekile. Kepha nabanye inzalo ephakeme kakhulu, ihlale ingaphezu kwe-10% futhi kwezinye izimo ibe ngaphezulu kakhulu. Ngakho-ke, izindleko zokugcina zemvume yazo zizoba nzima kakhulu kuzintshisekelo zakho njengomsebenzisi. Ngenzuzo yokuthi ngeke ubuzwe ukuthi uzoyabela kuphi futhi uzoyithola esikhathini esifushane kakhulu maqondana nemalimboleko yasebhange.
Kulesi simo esethulwe kuwe, amanani ozonikezwa wona azoncipha kakhulu. Kusuka kuma-500 kuya kuma-10.000 euros cishe futhi yebo, ngaphandle kwanoma yiluphi uhlobo lwamakhomishini nezinye izindleko ekuphathweni kwawo. Imigomo yokubuyiswa kwayo, ngakolunye uhlangothi, yinde ngesikhathi futhi izoba nezinhlawulo ezinkulu uma ungahlangabezani nezikhathi zokukhokha kwizitolimende zenyanga. Lokhu kungenye yezinkinga ezinkulu zokusebenzisa imali njenge-atypical njengoba kunjalo ngempela.
Kusuka kuzingxenyekazi zezezimali
Elinye lamathuba okugcina okufanele uye emakethe yemali kungamapulatifomu alezi zici. Kulula kakhulu ukwenza imisebenzi futhi akudingi ukuthi wethule amaholo noma ezinye izidingo ezijwayelekile kuzimfuno ezenziwe ngaphambi kwezinhlangano zebhange. Emaminithini ambalwa uzoba nemali ku-akhawunti yakho yokuhlola. Kepha njengakwimodeli yangaphambilini, amanani akhona inani elincane. Ngezimfuno ezincane ezinomkhawulo wama-euro angama-1.000. Amanani akusiza kuphela ukuphuma enkingeni ethile yemali.
Ngakolunye uhlangothi, bazophinda basebenzise inani lenzalo elidinga kakhulu nangaphezulu elisetshenziswe kumafomethi wezezimali wangaphambilini. Ukusuka kulezi zingxenyekazi abazibizi ngenzalo, kepha ngokuphambene ziyimali ekhokhwayo. Umehluko ocashile okufanele uwucabangele kusukela manje kuqhubeke. Kepha okubaluleke kakhulu ukuthi kungumugqa wezezimali onikwe amandla kubantu abangakwazi ukufinyelela kwimikhiqizo eyenziwe ngamabhange. Ngokwesibonelo, abantu abasha, abafundi noma abaqashile. Lapho futhi nezinqubo zokuphatha zizoba ncane kakhulu.
Izikweletu zabantu abasha
Enye yezingxenye zomphakathi ezikhona kulokho okubizwa ngokuthi yimalimboleko ngaphandle kokukhokhelwa yilezo ze- amakhasimende amancane. Ngoba empeleni, ezimweni eziningi umnikelo wanoma yiluphi uhlobo lwemali ejwayelekile awudingeki, ngenxa yezizathu ezizwakalayo. Uma kungenjalo, isimo esibi kakhulu sizodinga ubukhona babazali babo noma babagcini babo njengabaqinisekisi. Lokho wukuthi, bazoba yizibalo ezizobhekana nesikweletu esitholwe yilawa maklayenti. Yize kuliqiniso ukuthi le migqa yesikweletu imvamisa iletha izimo ezingcono zokuthola izinkontileka kunaleyo esele esele.
Izikweletu zabantu abasha, ngaphandle komnikelo okhokhelwayo, zithengiswa ngamanani wenzalo anokuncintisana kakhulu kunaleyo yonke enye. Kusetshenziswa inani lenzalo eliphakathi kuka-5% no-7% cishe. Kodwa-ke, lezi ziphakamiso zihloselwe izidingo ezithile zale ngxenye yomphakathi ebalulekile. Isibonelo, ukuxhasa ngemali izifundo zakho, izidingo zakho eziseduze noma ukudala inkampani yakho yokuqala. Ngaphezu kwalokho, kujwayelekile ukuthi bakhululwe kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwabo. Kepha baya kude kakhulu ngezikhathi ezithile kufaka phakathi i- isikhathi somusa okuvame ukuthatha phakathi konyaka owodwa noma emibili.
Izici zalezi mboleko
Kunoma ikuphi, lolu hlobo lwezezimali lubonakala ngochungechunge lwezici okulula kakhulu ukuzikhomba. Ngokuhluka okuphawuleka kakhulu maqondana namakhredithi adinga ukunikelwa kweholo, impesheni noma imali engenayo ejwayelekile. Ngokuqondene nezibonelo ezimweni ezilandelayo:
- Ngeke zenze noma yiluphi uhlobo lwe- ibhonasi maqondana namazinga wenzalo asebenza kule mikhiqizo yasebhange.
- Kunzima kakhulu ukuthengiselana nabo ukukhishwa kwekhomishini nezinye izinhlobo zezindleko ekuphathweni kwayo.
- Lokhu kushoda, njengokungabikho kwemali engenayo etholakala emsebenzini, kungalungiswa ngamanye amasu: ukuqasha eminye imikhiqizo, ukubopha okukhulu nebhange, njll.
- Uma ungalethi lo mbhalo, kuzoba nzima kakhulu kuwe ukuthi ube ne- ngezifiso ngesikhathi sokusayina inkontileka. Ngaphandle kwezimo zayo zokuqala.
- Azokwabelwa amabhendi ngenani anikezwe ngalo inani elincane, cishe njalo ngaphansi kwama-euro ayi-10.000. Uma kunjalo, izinkinga zizoba zincane ngesikhathi sokuxoxisana.
- Kufanele uqaphele kakhulu ngokukhetha kwakho, ngoba kwesinye isikhathi kwanele ukuthi unikele ezimbalwa imali engaguquki nyanga zonke. Noma ungeyena umnikazi wanoma iliphi iholo noma unomsebenzi ozinzile futhi ozinzile.
- Kwezinye izimo, lesi sithiyo sizokwenza ukuthi kungabi lula ukuthi ube ne- imali yanyanga zonke okungabizi kakhulu. Lokho wukuthi, uzokhokha imali ethe xaxa kusukela manje kuqhubeke.
Kunoma ikuphi, ngeke ukwazi ukufinyelela emithonjeni eyejwayelekile noma engaphansi yendabuko yezezimali ngaphansi kwanoma iziphi izimo. Kepha, kunalokho, ozokuthola ukuthi uzoba nobunzima obukhulu ekukhetheni umugqa wesikweletu ovumelana kahle nezidingo zakho zangempela. Kungemuva kwakho konke ukubuyela emuva okuyinhloko kokungahlangabezani nale mfuneko ebalulekile nebhange lakho.