Kuya ngokuya kuvame kubatshalizimali abasebancane ukuthi bacele imalimboleko yokwenza imali yabo emakethe yamasheya. Noma kunjalo, lo msebenzi uhilela izingozi ezicace bha Futhi lokho kungaholela ekutheni usebenzise imali eningi ekugcineni kunakuqala ebhajethelwe abasebenzisi.
Kuzo zonke izimo, zibeka ingozi engadingekile okufanele uyigweme ngazo zonke izindlela. Ngoba inzalo yemalimboleko ingaphakama kuneyakho izinzuzo zokusebenza ezimakethe zokulingana. Kufike eqophelweni lokudala imbobo ebaluleke kakhulu kuma-akhawunti akho.
Ngakolunye uhlangothi, awukwazi ukukhohlwa kulezi zikhathi eziqondile ukuthi lo msebenzi udinga izindleko ezibalulekile, nokuthi uma zingathwalwa ngabazali babo, zingalimaza izintshisekelo zakho kanye nezotshalomali lwakho emakethe yamasheya.
Izikweletu zokutshala imali, umqondo omubi
Kunoma ikuphi, lezi zibuyekezo azenzi nzuzo kuwe njengoba zidinga umzamo omkhulu wemali ngokukhokha imali ejwayelekile njalo ngenyanga. Futhi kuzokwengezwa okungenzeka amakhomishini nezindleko ekuphathweni kwawo kufaka phakathi le mikhiqizo yezezimali. Kuze kube yilapho uzibuza ukuthi ngabe inkontileka ikufanele noma cha kusukela manje.
Ikakhulu, ngenzuzo ongayithola ngokusayina inkontileka yokuthengwa kwamasheya. Ngoba ungathola ukuthi ekugcineni kufanele uthathe ezinye izindleko ezingacatshangelwe ku- isu lezezimali. Njengoba kwenzekile engxenyeni enhle yabatshalizimali abancane nabaphakathi eminyakeni yamuva.
Inzalo ku-8%
Ukwenziwa ngokusemthethweni kwalolu hlobo lwamakhredithi ngeke kuze kube mahhala. Ukunikezwa kwamabhange njengamanje kubanikeza ngenzalo efinyelela ku-8%. Ngohlelo lwe imali engaguquki nyanga zonke. Futhi ukuthi ekupheleni kosuku banquma inzuzo yokusebenza. Kunoma ikuphi, kuzoya ngesimo sama-akhawunti akho. Ngaphandle kwemali engenayo ongayifaka ngesikhathi sokuhlala.
Ngakolunye uhlangothi, imali oyisebenzisayo ingalawulwa inqobo nje uma wehlisa izindleko zezinye izinto ezibhajethiwe kusukela ekuqaleni. Njengoba izindleko zokugcina zingaba phezulu kakhulu, ikakhulukazi uma ukusebenza kwakho ezimakethe zamasheya kunganconyiwe ngezintshisekelo zakho njengomtshali-zimali omncane naphakathi. Ngoba unokuningi okulahlekile kunenzuzo kulolu hlobo lokuhweba.
Ukulimala kokuhlinzwa
Enye yezinto ezingezinhle neze kulayini wezimali ihlala eqinisweni lokuthi ungazenza iphrofayli yakho ngotshalomali oluncane noluphakathi ngokulinda umugqa wezezimali. Ngalo mqondo, kufanele uqinisekise ukuthi ukhululekile kwezinye izinhlobo zemalimboleko. Ngaphandle kwezindleko ezikhiqizwa lo mkhiqizo ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya.
Kule ndlela ezimakethe zezimali awukwazi ukukhohlwa ukusetshenziswa kwayo okulungile. Lapho kubaluleke kakhulu ngalo mqondo wokuthi uhlela izindleko zeminyaka embalwa ezayo. Ngenhloso yokuthi ungatholi isimanga esingalindelekile esingalindelekile. Ngendlela ye- ukungathobeli yenkontileka yalo mzila wesikweletu omiselwe ukuhlasela ezimakethe zezimali kusukela manje kuqhubeke.
Bhalisela umshuwalense
Ukugwema lesi simo esikuphakamisa sona, kubaluleke kakhulu ukwazi ukuthi ungabhalisela umshwalense wokuvikela ukukhokha. Ukuze ziphendulwe ngaphambi kwanoma yikuphi ukungakhokhi ngezitolimende zenyanga. Ngemali yanyanga zonke esondele kakhulu kuma-euro angama-20 ungasigwema lesi sehlakalo esingakulimaza kakhulu ngesikhathi sokubolekwa kwemali oyitshalile.
Ngakolunye uhlangothi, ungakhohlwa izindleko ezingeziwe ezingatholakala ekwenzeni ngokusemthethweni lo mkhiqizo wasebhange. Lapho unamavoti amaningi okufanele ulahlekelwe khona kunokuwina. Vele, ukutshalwa kwezimali emakethe yamasheya akukufanele ukuthi kwenziwe ngokusemthethweni ngokubolekwa kwalezi zici. Ngaphandle kokuthi okwamanje ukuphumula kwemali kukuvumela ngesilinganiso senzalo sokuncintisana kakhulu kuneminyaka eminingi edlule.
Isigaba sokutshala imali
Uma ungacaciswanga ngokuxazululwa kokusebenza kwakho emakethe yamasheya, kungcono ukukwenza uyeke ukuqasha enye yalezi zikweletu zomuntu siqu. Ngoba kuzo zonke izimo kuzoba nezindleko ezibaluleke kakhulu kwezomnotho. Kokubili ngenzalo okufanele uyikhokhe, kanye nokusebenza kokusebenza ezimakethe zezimali. Lapho ungalahlekelwa khona yimali lapho uqedela ukuthengiswa kwamasheya.
Ngenkathi ngakolunye uhlangothi, awukwazi ukuthi uzovala nini izikhundla emakethe yamasheya. Ngayo yonke imiphumela emibi engenziwa yilezi zenzo esitatimendeni sakho semali engenayo. Njengoba zingakuholela kwesinye isimo esingafuneki ngezintshisekelo zakho. Ngaphandle kwesici sobuchwepheshe besibambiso esikhethiwe emakethe yamasheya. Ngezingozi eziningi kakhulu kunalezo ezikhuliswe ekuqaleni. Njengenye yezingozi eziphakeme onazo kulolu hlobo lwemisebenzi.
Izingozi ekusebenzeni
Vele, enye yezingozi ezinkulu onazo ekusebenzeni ukuthi ekugcineni ngeke ukwazi ukukhokha izindleko zesikweletu. Njengokuthi kufanele wenze izindleko ezinkulu kunezikhuphukile kusukela ekuqaleni. Ukugwema izimo ezithile eziyinkimbinkimbi ezingalimaza imisebenzi yakho yemakethe yamasheya. Kuze kube seqophelweni lokuthi bangakusa ngisho naku- ukuthengiswa ngaphambi kwesikhathi kwamasheya akho.
Ngakolunye uhlangothi, uma ungenayo imali yokutshala imali emakethe yamasheya, into engcono kakhulu ongayenza ukungena ezimakethe zezimali. Uzogwema izinkinga eziningi kulezi zikhathi eziqondile. Ngalo mqondo, kungcono ukhethe imali mboleko yomndeni engadingi ukuthi ukhokhe inzalo noma ezinye izindleko ekuphathweni nasekugcinweni kwayo. Lesi ngesinye sezihluthulelo zempumelelo yokusebenza. Ngoba kufanele ukhumbule ukuthi akekho umuntu okuphoqa ukuthi utshale imali emakethe yamasheya.
Akufanele utshale imali
Kulezi zimo akufanele ubeke engcupheni imali yakho ngoba ubeka izingozi eziningi kuzo. Ngalesi sizathu, kufanele ulinde isikhathi esingcono soku yenza imali yakho ibe nenzuzo. Kuzovele kube namathuba angcono okwenza lolu hlobo lwemisebenzi yezezimali. Kusuka lapho ukwenza inzuzo iminikelo yezomnotho eneziqiniseko ezinkulu zempumelelo. Lapho uzoba nesikhathi sokwanelisa izifiso zakho ezimakethe zezimali.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ukutshalwa kwezimali kwalezi zici akudingi ukwenziwa kwenkontileka yomugqa wesikweletu ngokutshalwa kwemali. Kuzoba ngumzamo ophindwe kabili kwezomnotho okuzofanele ubhekane nawo kusukela ngaleso sikhathi. Futhi-ke, ukuphela kwento engakukhiqizela izinkinga nezinkinga eziningi. Ngaphandle kokukuqinisekisa ngentuthuko enhle yotshalo-mali lwakho nganoma yisiphi isikhathi. Futhi lokho, ngemuva kwakho konke, inhloso yakho esheshayo kusuka manje. Ngoba kuyimali yakho ukuthi ugembula.
Izixazululo zokungangeni esikweletini
Esinye seziqondiso zokungabi sengozini yokungena ezikweletini ekusebenzeni kusekelwe ekutshaleni imali kuphela onayo kwi-akhawunti yokulondoloza. Ngakolunye uhlangothi, esinye isixazululo sivela ekutakuleni imali ngemikhiqizo yokonga ehlukile. Phakathi kwazo imali yasebhange yesikhathi esinqunyiwe nezinye izici ezifanayo. Akumangalisi ukuthi unethuba lokuthi ukusebenza kwalo kuncane. Njalo ingaphansi kuka-0,5% nokuthi kuzo zonke izimo ayikuletheli izinzuzo eziningi nhlobo ngokwemigomo yaphakade
Lapho bazofuna khona ukukhokhiswa ukuphendula phakathi kwama-euro angama-20 kuya kwangama-40 ngenyanga. Kuze kube seqophelweni lokuthi kuzofanele kukhanselwe ngaphambi kwesikhathi. Akubandakanyi noma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Ukudlulisela izimali ekutshalweni kwezimakethe zezimali. Ngaphandle kokusebenzisa noma yiluphi uhlobo lwezintambo zesikweletu ezibandakanya ukukhokhwa kwenzalo engaphezulu kwamazinga ayi-7%.
Iya esikhwameni sokutshala imali
Ngenkathi izixazululo zokugcina zivela ezikhwameni zokutshala imali. Yize kunjalo kuleli cala, kuzofanele uthathe uchungechunge lwamakhomishini athwala lo mkhiqizo ofanele wezezimali. Emizuzwaneni embalwa lapho ukusebenza kwayo akuyona into enhle kunayo yonke efiselekayo kubatshalizimali abancane nabaphakathi.
Lesi yisinyathelo esisebenza kahle kakhulu uma isikhwama sokutshala imali singaziphathanga ngendlela obulindele ngayo lapho ubhalisa lo mkhiqizo wezezimali. Ngokubuya okuncane kakhulu ekulondolozweni kusuka kunoma yiliphi isu ekuhlaselweni. Njengesenzo sayo esiyinkimbinkimbi ukuzivumelanisa nezimo ezintsha ezimakethe zemali engenayo eziguqukayo nezishintshashintshayo. Yize, ngokuphambene nalokho, zilungele kakhulu ukukwazi ukudlulisa zisuka komunye ziye komunye ngaphandle kolunye uhlobo lwamabhonasi. Ukukhonza ukufaka izikhundla zezimakethe zezimali.