Cishe bonke abatshalizimali bayazi ukuthi izabelo ziyingxenye yenzuzo yenkampani enquma ukuyaba phakathi kwabaninimasheya. Ingabe i- umholo ongaguquguquki futhi oqinisekisiwe lokho kuya ku-akhawunti yakho yokuhlola njalo ngonyaka ngokuya ngezikhathi zakho zokukhokha. Futhi zithathwa njengengxenye yemali engenayo engaguquguquki ngaphakathi kokuguquguqukayo, kungakhathalekile ukuthi inani lamasheya abo licashunwe kanjani. Lokho kudumile ukuthi minyaka yonke kunezinkulungwane nezinkulungwane zabatshalizimali abancane nabaphakathi abakhetha leli su elikhethekile lokutshala imali. Yize kubahlaziyi abaningi kuhloswe ikakhulukazi kumaphrofayili wabatshalizimali abanemvelo yokuzivikela noma yokulondoloza.
Izabelo, kunoma yikuphi, zikhokhwa ngokheshi futhi lo msebenzi wenziwa ngokusemthethweni unyaka nonyaka, yize ngezikhathi ezithile izinkampani ezisohlwini zinganquma ukukhokha ibhonasi. Kuze kube yiminyaka embalwa edlule bekubonakala sengathi lo mholo wabaninimasheya bekuyindaba yamasheya emakethe yamasheya. Lokho wukuthi, ukuyiqoqa bekungekho enye indlela ngaphandle kokuya ezimakethe zamasheya. Lo mkhuba uguquke waba ngcono njengoba omunye wemikhiqizo ethandwa kakhulu njengezimali zokutshala imali uthathe induku ukuyikhokhela egameni labo ababambe iqhaza.
Njengamanje, cishe i-15% ye- izimali zokutshala izimali nikeza lesi sici. Akuzona eze imali engenayo abasebenzisi abaningi bangakholelwa. Esikhundleni salokho, ngokuphambene nalokho, leli qhinga lemiholo selinwetshwe langena kumali engenayo engaguquki, imali, ezinye izimali, futhi ekugcineni, kwanoma iluphi uhlobo noma ukwakheka. Ngezikhathi zokukhokha ezifanayo nasekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Ngamanye amagama, njalo ngonyaka, unyaka nonyaka, kabili ngenyanga noma ngekota, kuya ngemodeli ekhethiwe. Ngokunikezwa okwandayo okuvela kubaphathi abahlukahlukene bamazwe aphesheya.
Buyisela kwizimali
Elinye iphutha elenziwe inani elihle labatshalizimali lifinyelela esiphethweni sokuthi izinzuzo ezikhwameni ezihlanganyelwe azizuzi kangako kunalezo ezenziwe emakethe yamasheya. Akunjalo, futhi empeleni kunecala eliyindida lokuthi okwamanje kunezimali ezithile esevele zinikeza isivuno semali ephezulu kunaleso esivela ezimakethe zamasheya. Cishe i-8% ne-9% nokusabalalisa kabani okuya ngokuphelele kwi-akhawunti yasebhange yabasebenzisi, ngemuva kokuncishiswa okuhle kwezintela ezisetshenziswa kulo mholo kumninimasheya.
Ngakolunye uhlangothi, kuyiqiniso ukuthi izimali zokutshalwa kwezimali zokulingana zivame ukuphana kakhulu kunalezo ezitholakala kwezinye izimpahla zezezimali. Ngokwehluka okuthile okungafinyelela noma ngisho weqe amaphuzu amahlanu wamaphesenti. Okuthile okunengqondo ukukuqonda ngabatshalizimali abancane nabaphakathi abahlakaniphe kakhulu. Okunye okufanele kubhekwe ngalesi sikhathi ukuthi lezi zinkokhelo azisekho ngezikhathi ezithile kepha zithinta eminingi yale mikhiqizo yezezimali. Vele, ngaphezu kwalokho ongakucabanga ekuqaleni futhi kwanele ukuthi ubheke ukunikezwa kwamanje ukuthola leli qiniso.
Sikhokhelwa kanjani?
Okunye ukungabaza okukhulu abatshalizimali abanakho kubhekisa ekutheni loholo uqoqwa kanjani. Yebo, amasheya kufanele athengwe ngaphambi kosuku lokukhishwa kwesahlukaniso. Okungukuthi, ngokulindela okuthile njengoba kwenzeka futhi emakethe yamasheya. Ngomkhawulo wenzuzo ohamba ebangeni elingalingani kakhulu elitholakala ku-1% kuphela futhi lisondele kakhulu ku-10%. Kuyamangaza ngempela ukuthi izinzuzo ezikhwameni zokutshalwa kwezimali namuhla zingenye yenzuzo enkulu ezimakethe zezezimali. Isizathu esisodwa esenza ama-saver amaningi aphendukele kulo mkhiqizo wezezimali okwamanje.
Lo mholo uzoya ku-akhawunti yamanje yabasebenzisi esikhathini lapho ingeqi izinsuku eziyisikhombisa neshumi. Ngokulibaziseka okuncane kancane kunokuthengwa kwamasheya, yize kunjalo kubuswa yindlela efanayo. Kuzofanele uye kufayela lezimali kuphela ukuze uqinisekise ukuthi ukukhokha izinzuzo kunikwe amandla ngempela. Yize lolu lwazi luzokwazi ukukutshela usebhange lakho elijwayelekile ukuthi uhlaziye ukuthi lukufanele ngempela yini noma cha ukuya kulolu hlelo lokutshala imali. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi kwezinye izimo futhi kusuka kumbono oyisisekelo.
Akusho ukuthi bayimali engcono
Kunoma ikuphi, iqiniso lokuthi isikhwama sokutshala imali lisabalalisa izabelo alikhombisi ukuthi lingcono noma libi kakhulu kunalezo ezingakhethi lelisu ngokuya ngomholo. Ngokuphambene nalokho, kungenzeka ukuthi isaphulelo kusilinganiso sakho ezimakethe zezimali. Futhi kwezinye izimo, akukho kungabaza ukuthi bangaba nokuziphendukela kwemvelo okubi kakhulu ngenxa yokwakheka kwephothifoliyo yabo. Ngalo mqondo, ucezu lwezeluleko kubatshalizimali akumele bakhethe izimali zabo ngokuhlanganyela ngenxa yalesi sici. Kepha kunalokho, ngokuhlukahluka okuningi okuhlobene kakhulu futhi okunenzuzo.
Kule ngxenye yokuhlaziywa kwezinzuzo ezinikezwe izimali zotshalomali, kufanele kuvezwe ukuthi ingxenye enkulu yezinkampani zokuphatha nayo ikhethe lolu hlelo lokukhokha ngenhloso yokuthi khuthaza ukuthenga kwakho kubathengi abangaba khona. Ngoba empeleni, umthelela wezemizwa wenziwa esinqumweni abazosenza laba bantu kusuka manje kuqhubeke. Ngokuqagela kwalezi zimali ngokuqhathaniswa nezinye ezikhona ezimakethe. Kuyithuba lokuthola inzalo engaguquguquki futhi eqinisekisiwe minyaka yonke, cishe ngaphandle kokukhishwa.
Thuthukisa isikhwama sokonga
Ngakolunye uhlangothi, ezinye izinzuzo ezifanele kakhulu zalesi sigaba semiklomelo futhi ezifakazelwa eminikelweni esizokudalula yona ngezansi futhi ezahluke kakhulu kulezo ezikhiqizwe ngokusebenza emakethe yamasheya. Naka kancane ngoba zingakusiza ukuthi wakhe ibhange lokonga elizinzile eminyakeni embalwa ezayo.
- Ukhokhisa i- izinzuzo ezilungisiwe minyaka yonke ngenkathi ukuvezwa kwakho kungaphansi kweqiniso kweminye imikhiqizo yezezimali, njengaleyo etholakala ekusebenzeni kwakho ezimakethe zezimali.
- Ungathola ukusebenza okungukuthi okukhulu kunalokho okunikelwe yizinkampani ezibalwe ohlwini esikhwameni. Lo mkhuba obulokhu uhlanganisa eminyakeni yamuva nokuthi kungenzeka ukuthi awazi ngesikhathi ufunda le ndatshana.
- Unayo abazingeli bezimali Izimali ezinamandla kakhulu zokutshala imali ezizokutshela ukuthi yiziphi izimali zokutshala imali ezinalezi zici ezikhethekile. Kuzofanele ube nokubekezela okuncane ngoba kunezimali eziningi futhi ngeke ube nokunye ongakwenza ngaphandle kokusebenzisa uchungechunge lwezihlungi uze ekugcineni ufinyelele kule mikhiqizo.
- Ngokuvamile, ukukhishwa kwezinzuzo ezimalini zokutshala imali kuhambisana ne- ngezikhathi ezithile zonyaka, kepha uma ufuna ukuthi ibe yi-trimester ngayinye, ngeke ube nenkinga enkulu yokuxhumana nabo. Kuphela ukuthi kuzodingeka uchithe isikhathi esiningi ekusesheni kwayo okuhambisanayo.
- Kuyisu elisebenza kahle ukuthuthukisa utshalomali ku imigomo emide nokuthi uzovikelwa kuphi kakhulu kunalokho uma ukhetha ukuthenga amasheya ezimakethe zamasheya. Kuzodingeka ukuthi ubone kuphela ukuthi ukuqasha kwakho kukulungele yini noma cha ngokuya ngephrofayili oyethula njengomtshali-zimali ophakathi nendawo futhi omncane.
Amanye amathiphu mayelana nezinkokhelo zakho
Ngakolunye uhlangothi, kulula kakhulu ukuthi uma ukhetha lokhu kutshalwa kwezimali ucabangele izici ezithile kulolu hlobo lotshalo-mali, olwangempela futhi olusha ngasikhathi sinye. Okokuqala kuzodingeka ukuthi ube nakho izihloko eziningi zithengiwe uma ufuna inkokhelo ibe efanelekile ngempela. Akumangalisi ukuthi ngeminikelo emincane kuzoba nemali encane kakhulu ezoya kwi-akhawunti yakho yokonga. Okucishe kufane nokwenzeka nezinkampani ezibalulwe ezimakethe zezimali.
Kwenye i-oda lezinto kubaluleke kakhulu ukuthi ukhethe i- isikhwama sokutshalwa kwezimali sokuphathwa kwempahla ukuze ukwazi ukuzivumelanisa nazo zonke izimo ezimakethe zezimali. Ikakhulukazi kulezi ezingathandeki lapho ungalahlekelwa khona ama-euro amaningi endleleni. Ngalo mqondo, awukwazi ukukhohlwa ukuthi ushintsho ngemuva lungaxazulula inkinga ngokusebenza kahle okuthile, ngale kwezindlela zokutshala imali onazo ngaleso sikhathi. Ngenxa yokuthi kumayelana nani ekupheleni kosuku ukuthuthukisa izikhundla zakho futhi uma bekukhokhela isabelo esinqunyiwe minyaka yonke, lokho akunakwenzeka kangcono.
Ekugcineni, enye yezikhiye zokwenza imisebenzi isebenze kuleli banga lemikhiqizo yezezimali ilele ekukhetheni izimali zokutshala imali ezinenzuzo enkulu eminyakeni yamuva. Noma okungenani zihambisana nokuthambekela kwezimakethe zezezimali, noma ngabe iyiphi impahla oyikhethayo ngaleso sikhathi. Ngoba akudingeki ukuthi uvele kumasheya, kepha ungakhetha ezinye izimpahla ezihlukile. Kungenye yezikhiye zokuphumelela ekutshaleni imali ngezimali.