Amasu okutshalwa kwezimali: ukudluliselwa phakathi kwezimali

Kunezinzuzo eziningi okukulethela ukuqashwa kwezimali zokutshala imali. Kepha-ke, okunye okubaluleke kakhulu ukuthi kunikezwa ngokudluliselwa phakathi kwale mikhiqizo yezezimali. Ngoba impela, ungazuza lokhu kunyakaza ekusebenzeni kwakho kwizimali zokutshala imali. Kuze kube seqophelweni lokuthi kungenzeka ukuthi wena awubazi. Ukuze ukwazi ukufeza amandla wokusebenza ongcono, kuzodingeka kusukela manje ukuthi wenzeni ukukhulisa ukudluliselwa.

Izimali zokutshala imali seziyimikhiqizo ekhethwayo yabasebenzisi ukwenza ukonga kwabo kube nenzuzo. Lapho imikhiqizo eyinhloko yokonga (imali yesikhathi, amanothi asebhange, ama-akhawunti emali engenayo, njll.) Ilahlekelwe yinzalo phakathi kwabagcini abancane. Ngemuva kwesinqumo seziphathimandla zezimali zaseYurophu zokwehlisa intengo yemali bese siyiletha ukwehla komlando ku-0%. Lo mkhuba eminyakeni yamuva uholele ekutheni lezi zinhlobo zamabhange zivame ukuklomelisa amaklayenti ngamazinga enzuzo engekho ngaphezu kwe-1%.

Lesi sici siholele ingxenye enhle yabasindisi baseSpain ukuthi banake izimali zokutshala imali. Ngezindlela ezahlukahlukene, kusuka kulezo ezisuselwe ku- imali engenayo, okutshalwayo okungaguquki, okuxubekile noma okuhlanganisa imali noma okunye. Akumangalisi ukuthi kungenye yezindlela ezimbalwa onazo zokuthuthukisa ama-margins wenzalo isikhwama sakho sokonga esingaqasha kuso. Ngaphandle kokuthatha izingozi ezithile, ngoba ukwenziwa kwale mikhiqizo yezezimali akukhululiwe kokunye ukuphazamiseka.

Ukudluliswa kwenziwa kanjani ngokusemthethweni?

Yebo, uma unentshisekelo yokubhalisela izimali zokutshala imali, kufanele wazi ukuthi yini ongayidlulisa phakathi kwezimali zokutshala imali. Ikakhulu, ngaphambili izinga lentela ezidinga lolu hlobo lokutshala imali. Ngoba empeleni, kungadluliselwa ukuguqula iphothifoliyo lapho ubeke khona imali yakho. Ungakwenza kunoma ngubani omunye umuntu, ngaphandle kwanoma iluphi uhlobo lwemikhawulo. Ngisho nakwezinye izinkampani zokuphatha, kungaba yimali eguquguqukayo noma engaguquki noma enye into enikezwa ngumxhumanisi wakho wezezimali.

Ungenza izikhathi eziningi ngendlela ofuna ngayo futhi mahhala ngokuphelele futhi nganoma iluphi uhlobo lwamakhomishini, njengoba ubungacabanga ekuqaleni. Kusukela kulo mqondo, kumayelana ukusebenza okuzuzisa kakhulu ngezintshisekelo zakho noma njengomtshali-zimali omncane nophakathi oyikho. Ngoba abanye bangahleleka ngokusemthethweni ngesikhathi esibonakala sifaneleka kakhulu. Ngoba nakanjani kuzofaneleka ukudlulisa phakathi kwezimali zokutshala imali kunokuqedela umsebenzi. Ukuze uthole isisusa sezimali.

Ngenxa yezinga eliphezulu lentela lohlelo lwethu lwentela, kufanele ubhekane nephesenti elibonakalayo nenzuzo esikhwameni sakho sokutshala imali. Kepha ngokudluliselwa ungakugwema ukusetshenziswa ngokushesha. Ukuthi uze ulinde intela yehle bese ngale ndlela uthengise izikhundla zakho kule mikhiqizo yezimali. Kuyisu eliphumelela kakhulu uku ukhokhe imali encane. Okungenani esikhathini esifushane futhi lokho kukuvumela ukuthi uqhubeke nemisebenzi yakho ejwayelekile kule modeli yokuphatha.

Kufanele zenziwe nini?

Vele, kunezimo ezithile ezithandekayo kunezinye zokwenza ukudluliswa kwemali kwesikhwama kube semthethweni. Okokuqala, lapho kunesimo esijwayelekile se- intela ebanzi kakhulu. Ngaphezu kwalokho, kungukusebenza okusebenzayo ezimweni lapho ulahlekelwe yizikhundla zakho kulesi sigaba semikhiqizo yezezimali. Ngoba ungaqondisa izikhundla zakho kwezinye izinhlobo zokutshala imali zalezi zici. Futhi ungakhokha ngisho nezikweletu ngokubheja okusha kokutshala imali. Ingenye yezinzuzo ezibaluleke kakhulu ukudluliselwa okukunikeza zona. Kepha hhayi kuphela, njengoba uzokwazi ukubona kusukela manje kuqhubeke.

Le nhlangano inconywa kakhulu lapho kuvela amathuba amasha ebhizinisi ngaphakathi kwale mikhiqizo yokutshala imali. Ngoba ngeke ube nesibopho soku thengisa izikhundla zakho, kepha kuzokwanela ukuthi uyise esikhwameni esihlukile. Lo msebenzi ungenziwa kaningi ngangokunokwenzeka, ngaphandle kwanoma yiluphi uhlobo lwezidingo noma imikhawulo. Kunoma ikuphi, kungukusebenza ongakucubungula kuphela ngale mikhiqizo. Hhayi kokunye futhi okwenza umnikelo wokutshala imali nokonga izinhlangano zezezimali.

Izinyathelo okufanele uzilandele

Ukwenza ukudluliswa phakathi kwezimali zokutshala imali, into yokuqala okufanele uyenze ukukhetha indawo elandelayo yokulondolozwa kwakho. Lapho nje isicelo esisha sezimali sesitholakele, kuzodingeka ukuthi udlulise kuphela. Lo msebenzi ungenziwa kusuka ebhange lakho elijwayelekile noma ngisho nakukhompyutha yakho ngokunethezeka usekhaya noma ngabe ukuphi ngaleso sikhathi. Kusukela kulo mzuzu, imali yakho izobe isivele ihweba esikhwameni esisha esikhethiwe. Futhi kube nenani elilingana nelangaphambilini, ngoba ngeke behlise intela ehlanganiswa yile mikhiqizo yezezimali.

Isinyathelo esilandelayo okufanele usithathe kusukela kulo mzuzu ukulinda izinsuku ezimbalwa kuze kube ukunyakaza kwenziwa ngokusemthethweni. Ingahlala phakathi kosuku olulodwa noma usuku, kodwa hhayi isikhathi eside. Ngoba uzobe usuvele usesimweni esigcwele sokuthi izibambiso zakho zizofakwa kuhlu ezimakethe zezezimali. Uzokwazi ukubalandela ngezikwele lapho izimpahla ezintsha zezimali zihamba khona. Kungumsebenzi olula ukwenza lokho ukuthi uzokwazi ukuwaphinda emva kwezinsuku ezimbalwa bese udlulisela imali kwesinye isikhwama sokutshala imali. Kulula kanjalo, ngoba akukho lutho futhi akekho umuntu ozokwazi ukukutshela okuthile ngalezi zinqumo. Kuyinto yomuntu siqu nelungelo elingenakuxoxiswana onalo.

Izidingo zokwenza ukudluliselwa

Ukuphela kwesidingo abazokucela sona ukuthi imali ifakwe ebhange elifanayo noma umxhumanisi wezezimali. Akukho okunye okungakwenza ukuthi ukhawulele le misebenzi. Ngoba empeleni, ungayifaka esikhundleni sayo ngezinye izimali zokutshala imali ezikhona ekunikezelweni kwesikhungo sezezimali osebenza kuso. Lesi ngesinye sezizathu zokuthi kungani uvulekile ukwakha lawa masu ebudlelwaneni bakho nezwe lemali. Kuyinto elula ukuthi uyibhekele uma kwenzeka uzothuthukisa le misebenzi kusukela manje kuqhubeke.

Esinye isici okufanele usazi ileso esibhekise eqinisweni lokuthi ungalwenza lolu hlobo lokudluliswa, kokubili ngokwengxenye noma ngokuphelele. Ungagcina ingxenye yotshalo-mali lwakho bese udlulisela enye esikhwameni sokutshala imali esikhethiwe. Phakade ngaphansi kwezimo ezifanayo futhi awekho mehluko maqondana nokusebenza okufanele ukwenze. Lesi senzo sizoya ngecebo olisungulayo lokuvikela ukonga kwakho. Akumele njalo kube umgomo ofanayo.

Ngakolunye uhlangothi, ukudluliselwa phakathi kwezimali kuyindlela yoku thuthukisa izikhundla zakho. Ngoba empeleni, zikuvumela ukuthi uvuselele iphothifoliyo yokutshala imali ngezikhathi ezithile. Ukuze usesimweni esihle kakhulu ukuze izinzuzo ezinkulu zifakwe esitatimendeni sakho semali engenayo. Ngalokhu kuzofanele wazi kahle ukuvela kwezihloko zale mikhiqizo yezezimali. Kulesi simo, kungasho ukwanda kwenzuzo kusuka kuzimo ezintsha.

Amathiphu wokushintsha imali

Kuhlala kunezimo ezithile kunezinye lapho kunenzuzo enkulu ukwenza lo msebenzi. Ngeke ube nokhetho ngaphandle kokubabhekela ukwenza lolu shintsho kucebo lakho. Lezi ngezinye zezihluthulelo lapho kuzoba kuhle kakhulu ukukhuthaza le nhlangano.

• Uma ubona ukuthi isikhwama sakho sokutshala imali asihlangabezani nokulindelwe, isinqumo esingcono kakhulu ongasenza ukuthi iqondise kwezinye izimali zokutshala imali ezinamathemba angcono okwazisa. Inkinga kuphela ozoba nayo ukukhetha imodeli entsha yokonga.
• Ngaphambi kwanoma yini ushintsho kumjikelezo webhizinisi lokho kungathuthukiswa. Kuzoba isikhathi esifaneleke kunazo zonke ukwenza ukubuyekeza okujulile kuphothifoliyo yakho yokutshala imali ukuze uyithuthukise kakhulu.
• Kungaba ukuguqula imodeli yokutshala imali iye kuma-equity noma imali engenayo engaguquki ngakho-ke kuzodinga ukujika kwesondo kuye qondanisa iphothifoliyo. Akusilo isu elilula ukuthi ukwenze ngamagama amafushane. Kepha ngakolunye uhlangothi kuyasebenza kakhulu ngezikhathi zokuhlala okulingene nokude.
• Awudingi ukudlulisa izimali zokutshala imali nge-frivolity ethile. Vele akunjalo, kepha kuphela lapho kuvela izimo ezidingekayo ukwenza ngcono ukusebenza. Ngoba kuzoba nezikhathi ezithile lapho ziphoqeleke ngokuphelele.
• Ukudluliswa akudingeki kube ukunyakaza phakathi kwezimpahla ezifanayo zezimali. Izinguquko zephothifoliyo zingaba zinkulu ngokwedlulele noma zenziwe nge- ushintsho kucebo utshalomali. Kuyinto ejwayelekile engenziwa engxenyeni enhle yabasindisi.
• Ukuze yonke into ihanjiswe ngendlela efanele, kuzodingeka kakhulu ukwenza i- ukuhlaziywa kwezimali zakho ozitshalile ngokujwayelekile. Ngaphezu kwalokho, kuzoba isenzo esizuzisa kakhulu ukuvikela izintshisekelo zakho ebuhlotsheni bakho nezwe lemali.
• Izimali zokutshala imali akufanele abe nazo empilweni yakho yonke. Futhi lokhu kwenzeka ngokubuyekezwa kwazo. Kuya ngezici ozivezayo njengomtshalizimali omncane naphakathi.