Ngemuva kokunciphisa imali, yize kunokuncane okuncane kakhulu ngo-2019, kunengqondo ukucabanga ukuthi amathuba okuthenga angavela esikhathini esimaphakathi nesikhathi eside. Yize njalo ngokunikezwa okukhethiwe nokuqaphelayo okuvela ezinkampanini ezingaba nokuziphatha okuhle phakathi nonyaka omusha wokuhweba. Ngoba kulo nyaka Ukungazinzi kungaba enye yezinombolo ezijwayelekile kulezi zimpahla zezimali. Ngezizathu ezahlukahlukene, kepha okunye okufanele kakhulu kungaba ngenxa yokuvela komnotho omusha, okungenani endaweni ye-euro.
Ngaphansi kwalesi simo jikelele, kufanele ucabangele uchungechunge lwezinjongo eziphansi ongahambisana nazo notshalo-mali lwakho. Lapho umqondo omuhle ukwenza ukuhlaziywa kwesikhashana kwezobuchwepheshe kwezingxenye zeMakethe Eqhubekayo yaseSpain ngomzuzu omuhle kakhulu. Ukufaka uchungechunge lwezihlungi ukuze ufune ukuvikeleka okukhulu ekusebenzeni kwemakethe yamasheya, okungenye yezinjongo zakho eziyinhloko. Lapho kwesinye isikhathi inhloso ingeke ibe ukuthola inzuzo ephezulu, kepha ngokuphambene nalokho, iyoba ne- gcina imali utshale imali ngaphezulu kokunye ukucabanga okunolaka.
Kunoma ikuphi, ngeke ube nenye indlela ngaphandle kokwenza uhlu olufushane lwezinhloso zakho zalo nyaka. Lapho kungekho luhlobo lwamasu okutshala imali okufanele luntuleke futhi lokho kukukhuthaza ukuthi wenze isiphakamiso esingajwayelekile esingamangaza ingxenye enkulu yabatshalizimali abancane nabaphakathi. Ukuze ngale ndlela, usesimweni sokushaya okungenani i- amamejini wokulamula othole ngonyaka odlule. Ngokuya ngezifiso okumele zitholakale kancane, hhayi ngokususelwa kuma-utopias aholele ndawo, ingasaphathwa eyomhlaba wemali.
Inhloso yokuqala: khetha ngokwengeziwe
Enye yezinto zokuqala okufanele siyenze kulo nyaka yilezi ezihlobene nokukhethwa kwempahla yezezimali. Akusifanele nje kuphela ngotshalomali, kepha kusukela manje kuzodingeka ukuthi sikhethe kakhudlwana ku sesha imikhiqizo yezezimali noma izimpahla. Lapho noma ikuphi ukwehluleka ekubaleni kungasilahlekisela ama-euro amaningi esizolahlekelwa kuwo ekusebenzeni. Hhayi kuphela ezimakethe zokulingana, kepha futhi nasemalini engenayo engaguquki noma kwezinye izimakethe ezihlukile. Lapho okunye okhiye bokufeza impumelelo yemisebenzi kuzoba ukuvula izindlela ezintsha zokonga.
Ngakolunye uhlangothi, leli su lokutshala imali lidinga ukuthi abatshalizimali bazi futhi hlaziya imikhiqizo ehlukile ezinikwe amandla ezimakethe zezezimali. Mhlawumbe njengoba bengazange benze kuze kube manje. Ngoba kungenzeka ukuthi kususelwa kulesi sinqumo esibalulekile, isimo sangempela sesitatimende sethu semali engenayo singashintsha ekupheleni konyaka noma lapho le mikhiqizo yezezimali iphela. Ungakhohlwa uma kusuka manje ungafuni izimanga ezingezinhle ongazisola ngazo kunoma yimaphi amasu owakhethile.
Imisebenzi emifushane
Olunye ukhiye omkhulu okufanele uwusebenzise kulesi sikhathi ukwenziwa ngokusemthethweni kokusebenza kwesikhathi esifushane. Ukuze ngale ndlela, usesimweni esifanele ukusika ukulahleka okungenzeka kungakhiqizwa kubo. Akufani naphambilini obekuvame ukubhekiswa esikhathini esimaphakathi nesikhathi eside. Ngama-margins aphezulu ukugwema ukusebenza okumbalwa okulindelwe nguwe, kepha lapho isikhathi saphakade singenza kungabi lula ukuthi ube ukwedlula imali enkulu kubhalansi ye-akhawunti yakho yokonga. Kuluhlelo lokutshala imali, ngakolunye uhlangothi, olungadingi mizamo eyengeziwe, kepha kunalokho ludinga ukuqashwa okukhulu kwezimpahla zezimali.
Kumele kuqashelwe futhi ukuthi leli su lokutshala imali libhekiswe ikakhulu kubatshali zimali abanolaka kakhulu. Ngenkathi ethile ku- imisebenzi esukela ezinyangeni ezimbalwa kuya onyakeni ngo-nje, lapho imisebenzi evulekile ezimakethe zezimali ixazululwa. Lokhu kuyinketho okufanele ubhekane nayo ezinyangeni ezizayo uma unethemba langempela lokwenza ngcono amamaki wokulamula emakethe yamasheya. Akumangalisi ukuthi zizoba ukunyakaza okulula kakhulu okuthinta ukuvalwa kwezikhundla ngesikhathi esifanele lapho inzuzo etholakalayo ivela kuphothifoliyo yakho yokutshala imali. Kuyiminyakazo emincane ezofuna ukunakwa okuningi kuwe ezimakethe zezezimali.
Ezinye izimakethe
Ngenye yezindlela ezinhle ongasondela ngazo ngonyaka olandelayo futhi okungaholela ekutheni uhlole izimakethe kuze kube manje ubusuzikhohliwe ngamasu akho okutshala imali. Yize ezimweni eziningi babe nengozi ephakeme ngokusobala kuyo yonke imibono yokubuka. Kepha kungenye yezindlela okufanele usebenzise ngazo ukuthola izinzuzo ezinkulu ekuthengeni ozokwenza kulezi zinyanga nokuthi kufanele wenze ngokuqapha okukhulu kwezinye izinhlobo zokusebenza ezimakethe zezimali. Lapho kuzoba ukunyakaza kwesikhashana esifushane kakhulu nokuvuthwa okufushane ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya.
Ukonga kumakhomishini
Ikakhulukazi abatshalizimali abenza imisebenzi eminingi ngonyaka, yomibili ebhekiswe esikhathini esifushane, esiphakathi noma eside, bangazuza ngamanani emakethe yamasheya aqala ukuthengiswa yizikhungo zezezimali ezengeziwe futhi, ezivumela ukonga okukhulu ngokwemigomo yamakhomishini wokusebenza okwenziwe. Isilinganiso sakho sitholakala phakathi kwama-5 nama-20 euros ngenyanga, nakumuntu owenza imisebenzi ephelele ngenyanga, isibonelo, ukonga kungasho cishe ama-euro angama-40 ngenyanga ngokwesilinganiso, okusiza nokwandisa utshalomali.
Ngalo mqondo, inani eliphansi emakethe yamasheya livumela umsebenzisi ukuthi enze imisebenzi eminingi yokuthenga nokuthengisa njengoba efuna, njengoba kunjalo ngamanani ocingo noma we-Intanethi. Yize ukusetshenziswa kwayo kungasakazeki kakhulu emkhakheni wezezimali, ikakhulu ihlanganisa amabhange namabhange okonga asebenza nge-Intanethi futhi wabathengi, kuzwelonke nakwamanye amazwe, okuyiwona ahlinzeka ngezimo ezihamba phambili. Ngakho-ke, ungathola ukonga okuthakazelisa kakhulu ekusebenzeni ezimakethe zezimali. Ukuze ngale ndlela, inzuzo yakho yonke iphezulu kakhulu kusukela manje kuqhubeke.
Khetha ezinye izindawo ezindawo
Umqondo omuhle ukuya kwezinye izimakethe zezezimali ezingaphandle kwendawo yangakini. Uma lokhu sekuphelile futhi kungakhiqiza imbuyiselo ehlangabezana nokulindela kwakho njengomtshali-zimali omncane naphakathi. Ezindaweni lapho okungenzeka ungakaze uvule isikhundla empilweni yakho, kepha akudingeki ukuthi zibe yizinketho ezimbi zokutshala imali. Hhayi kancane. Uma kungenjalo, ngokuphambene nalokho, bangamela amathuba ebhizinisi wangempela kusukela manje kuqhubeke. Ikakhulukazi ezimakethe ezisafufusa ezigcina uptrend ocacile futhi ongazuzisa izintshisekelo zakho. Ukulimaza ezinye izixazululo ezikude kakhulu nezimakethe zezimali, njengoba mhlawumbe isifiso sakho esisheshayo sasikhona.
Ngokwalo mbono ekutshalweni kwemali, lesi yisixazululo ezinkingeni zakho, kepha inqobo nje uma ucabanga ukuthi uzoba nezingozi eziningi kunezinye izinhlobo ezijwayelekile noma zendabuko zotshalo-mali. Ngoba kwezinye izimo bahlinzeka ngamandla wokubuyekeza aphakeme kakhulu kunezimakethe ezisebenza endaweni yethu eseduzane. Ukufika ezingeni lokuthi singafinyelela ukwazisa kokuzungeze ama-20% noma ama-30% ngesikhathi esifushane. Inzuzo ezokwazi ukuhlangabezana nokulindelwe kwengxenye enhle yabasebenzisi nokuningi endaweni yemakethe yamasheya njengaleyo ebikezelwe kulo nyaka.
Ubungozi ekusebenzeni
Esinye isici okufanele sihlolwe kusuka manje yiso esihlobene nokuthi izenzo esizokuthola ezimweni eziningi asizazi sonke. Ukufika ezingeni lokuthi ezimweni eziqondile kakhulu singaze sizithole zizwakala ezimpilweni zethu. Lokhu kuyinkinga enkulu ekuthatheni izikhundla kulezi zimakethe zokulingana zomhlaba wonke. Ngochungechunge lokuhlola ngaphandle kokungabaza kuzofanele sihlaziye ngandlela thile. Ukukhombisa ukuthi ngabe yisikhathi sokungena kulezi zimakethe zezimali noma cha.
Ngoba asikwazi ukukhohlwa ukuthi kumele sicacise ngezinqumo zethu ngoba ekugcineni kosuku yimali yethu ebhekene nalolu hlobo lokutshalwa kwemali emakethe yamasheya. Lapho singafaka khona futhi ezinye izihlungi ukuze silondoloze imali esetshenzisiwe ngale nyakazo ekhetheke kakhulu kusukela manje kuqhubeke. Ngesikhathi lapho amanani ezimakethe eziqhubekayo zaseSpain engaqedwa noma okungenani enkambisweni yokufinyelela kulesi simo. Kulokho okulungiselelwe njengenye yezinketho abasebenzisi abathengisayo abanazo okwamanje ukuzama ukwenza ngcono ibhalansi ye-akhawunti yabo yokonga.