Izinzuzo nobubi bokutshala imali ngezezimali

imali

Izwe lemali likunikeza ithuba lokutshala imali kunoma iyiphi impahla yezezimali. Noma ngabe kwakunjani, ngisho nokwangempela kakhulu nokuqanjwa okusha. Kuyinzuzo yokuqala yokusebenzisa leli qhinga ekutshalweni kwemali. Enye yalezi ezinye izindlela unayo emakethe yezimali zangaphandle. Kuyimakethe eguquguqukayo futhi esebenzayo evumela ukuthi uvule izikhundla ngezimali zanoma yiliphi izwe noma indawo yejografi yamazwe omhlaba. Yize ngaphandle kokukhululwa ezingcupheni ongeke ufune ukuzithatha kancane. Ngezikhathi lapho uthatha isinqumo sokutshala imali oyongile.

Ungatshala imali oyilondolozile kusuka manje kuqhubeke ngezimali eziyinhloko zomhlaba (i-euro, idola laseMelika, i-franc yaseSwitzerland noma i-yen yaseJapan phakathi kwezinto ezibaluleke kakhulu). Kepha futhi kokunye okungaziwa kakhulu futhi imisebenzi yabo eyinkimbinkimbi ekwenzeni kwabo ngokusemthethweni. Awunamkhawulo cishe uma kukhulunywa ngalolu hlobo lotshalo-mali olukhethekile. Ngethuba lokuthola izilinganiso ezibalulekile kulondolozo lwakho.

Kepha kunoma yikuphi, ukutshala imali ngokushintshaniswa kwamanye amazwe kunezinzuzo nezinkinga zayo. Njengakwelinye icala, kwenzeka cishe nayo yonke imikhiqizo yezezimali. Kokubili kusuka kwimali engenayo engaguquki nasemholweni oguqukayo. Zizoba yisinqumo kuwe sokuhambisa imisebenzi. Yize inezici ezichazwe kahle kakhulu nokuthi sizokuchazela zona ngezansi. Vele, inhloso yakho yokuqala kuzoba ukuthi kufanele yini ukukhetha lezi zimakethe zezezimali. Njalo ngokuqapha okukhulu ekunyakazeni okwenzayo kusukela manje kuqhubeke.

Imali, ikunikeza ini?

idola

Izimakethe zemali, okwamanje, okukhiqizayo kuningi kakhulu ekukhetheni. Ngeke kudingeke uzilinganisele efeni elilodwa lezezimali. Kepha kuningana, yize kusuka kumodeli efanayo yokutshala imali. Ngaphezu kwalokho, ungenza kube semthethweni ukusebenza ezimakethe zezezimali kusuka kunoma yiliphi ibhange noma umlamuli wezezimali. Akumangalisi ukuthi wonke umuntu usebenza ngale mpahla yezezimali ebalulekile. Kusuka ezindleleni ezihlukile kweminye imikhiqizo.

Inkinga enkulu ozoba nayo ekongeni yukuthi kungadingeka ukuthi ushintshe imali ukuze wenze leli su lokutshala imali elihluke kakhulu. Ngekhomishini elandelanayo leyo ngokungangabazeki ezokwenza imisebenzi yakho ibize kakhulu. Ngalesi sizathu, kufanele ucace bha ukuthi ukhetha imakethe yemali kunaleyo eyinkimbinkimbi. Ngokusebenza okungenzeka kube kufushane maqondana nesikhathi sabo saphakade. Ezikhathini ezimbalwa ezingcaphunweni zakho uzokwazi ukuphothula izikhundla ezivulekile kuzinguquko ezahlukahlukene.

Enye yezinzuzo ezivelele zalezi zimakethe ukuthi kukuvumela ukungazami okubanzi ukuvala ukunyakaza okwenziwe ngokusemthethweni. Ngokuguquguquka okubonakala kakhulu kunakwamanye amafa wezezimali. Ngokwehluka okubanzi kakhulu ophahleni naphansi kuzilinganiso zabo. Kusemnyakazweni wokuqagela kakhulu lapho kwenzeka khona ukwehla kokushintshana kwemali.

Ungathengisa kanjani?

Ngokuqinisekile akuyona imakethe ejwayelekile yezezimali yeningi labatshalizimali abancane nabaphakathi. Futhi-ke idinga imisebenzi ehlukanisiwe futhi echazwe kahle kusuka ekuqaleni. Kufanele unikeze isiko lezezimali eliphakeme kunalelo leminye imikhiqizo yezezimali. Izinguquko zakho ziphethwe yizimbangela eziningi. Kakhulu kwezomnotho, kodwa futhi nolunye uhlobo. Noma kunjalo, kufanele uchaze ushintsho kuzinhlobo zemali ofuna ukufeza imbuyiselo elindelekile ekutshalweni kwakho.

Lokhu kungukusebenza okuhlukaniswa nokuguquguquka kakhulu. Kepha ngaphezu kwakho konke kusebenza kakhulu. Nganoma yiluphi usuku amanani entengo awo ayahluka ngokuya kokutholakala nokufunwa kwale mikhiqizo. Kuze kufike ezingeni lokuthi emahoreni ambalwa bangakhombisa amaphesenti aphezulu kakhulu kuzintengo zabo. Kuvame ukutholwa kwezinye izimpahla zezezimali. Ngenxa yalokho, ungathola imali eningi ekusebenzeni kwabo. Kepha ngesizathu esifanayo, ngikushiye ama-euro amaningi ekunyakazeni okwenziwe kunoma yiziphi iziphakamiso ezikhethiwe.

Amakhomishini ngezimali

amakhomishana

Esinye isici okufanele usicabangele kusukela manje kuqhubeke amakhomishini ahanjiswa yilomkhiqizo wezezimali. Kusemgqeni ofanayo nezinye izindlela onazo kutshalo-mali. Cishe u-0,35% onephuzu eliphakeme kunikelo olwenziwe. Okufanele kungezwe kukho izindleko zokushintsha imali engenza umsebenzi ubize kakhulu, ngokuya ngamanani ahanjiswa yizikhungo zezezimali. Futhi nemali ekhethwe njengesikhungo sokunyakaza ku-akhawunti yakho yokuhlola.

Esinye isici esifanelekile okufanele usinakekele yilesi okukhulunywa ngaso akuyona imisebenzi ekhonjiswa ngokuqondiswa esikhathini esimaphakathi neside. Njengomphumela walokhu kuhlukahluka, kuzoba nzima kakhulu kuwe ukuhlehlisa umsebenzi ngamunye owenzayo. Akumangalisi ukuthi ngeke ube nokunye ongakwenza ngaphandle kokulungisa amanani okuthenga nokuthengisa. Njengendlela yokwenza ngcono imbuyiselo yokonga. Kuzobaluleke kakhulu futhi ukuthi ungathathwa yizincomo ezingamanga kule makethe. Bangakunika isimanga esingaphezu kwesisodwa esibi kulezi zikhathi.

Yimuphi umehluko owulethayo maqondana nolunye utshalomali?

Umbuzo owodwa ozozibuza wona umehluko okhishwa ngotshalo zimali maqondana nezinye izinhlobo zendabuko zokutshalwa kwezimali. Yebo, kuneziningana ongazithola. Okuyinhloko ukuthi balawulwa ukunyakaza okushesha, kokunye kube nodlame. Ngenxa yezimbangela eziningi kuzilinganiso zakho. Kusuka emininingwaneni ye-macroeconomic yezwe elithintekile kuya kunoma yiziphi izindaba ezinomthelela oqondile ebudlelwaneni bamazwe omhlaba.

Futhi iqiniso lokuthi ungaba nezinye izindlela ongakhetha kuzo. Awukhawulelwanga kuphela kwizimali ezinkulu. Kepha ekunikezweni okubanzi kwezimali zamazwe angabalulekile emhlabeni panorama. Kunoma ikuphi, uzoba nezinkinga eziningi okufanele uzakhe okuzoba yiphothifoliyo yokutshala imali ekhethiwe. Ngakolunye uhlangothi, unethuba lokukhawulela ukulahleka kotshalo-mali lwakho uma ukuvela kwalezi zimpahla zezezimali kungaguquki njengoba ubulindele ekuqaleni.

Umehluko nolunye utshalomali awugcini lapha. Lokhu kungenxa yokuthi imakethe yezimali ishintshashintsha kakhulu. Ilungele kakhulu ukusebenza kwe-agile kakhulu. Ngisho nasesikhathini esifanayo sokuhweba. Okunzima kakhulu ukukusebenzisa kwezinye izimakethe zezezimali. Phakathi kwabo ukuthengwa nokuthengiswa kwamasheya. Kulesi simo, zikulungele kakhulu ukuthuthukisa ukusebenza kohlobo lokucabangela. Ukufaka nokuphuma ezimakethe lapho zibhalwe khona ngemvamisa ethile.

Ungasebenza kanjani kulezi zimakethe?

izimakethe

Uma uvumelana nalezi zindlela, kufanele ucabange ukuthi ungathengisa kanjani ama-sterling, amadola, ama-franc aseSwitzerland noma enye imali emhlabeni. Ngochungechunge lwamathiphu, uzobe usesimweni esingcono sokukhulisa ukusebenza kwakho. Ngisho nokufunda iqhinga elingajwayelekile elizolokhu lisiza kusukela manje. Ngabe uzimisele ukubamukela? Uma kunjalo, nayi eminye imibono ezosebenza kakhulu.

  1. Ungazami ukuphikisana negagasi lezimakethe ngoba uzolahlekelwa yikho konke. Into elula ukuya ezikhundleni ezibukhali ezethula izimali ezifanele kakhulu kunoma yikuphi ukusebenza.
  2. Kuhlale kunconywa kakhulu ukuthi utshale imali oyongele ngezimali ezinamandla kakhulu kunangezokuqala kakhulu. Akumangalisi ukuthi lokhu akulindelekile ngokushintshwa okungenzeka kwenziwe kuzinguquko. Kuze kube seqophelweni lokuthi ungashaya ukushaya okuthatha isikhathi eside ukululama.
  3. Uma unokungabaza onakho, kuzoba ngcono ukuyeka ukuthatha izikhundla. Kuyindlela ewusizo kakhulu yokuzivikela ezimeni ezingalindelekile. Noma kunalokho, akuhambisani neze nezintshisekelo zakho. Ngaphezu kwalokho, unezinye izimakethe lapho ungatshala khona izimpahla zakho.
  4. Kuzoba usizo kakhulu kuwe ukuthola ukuthi yiziphi izimali eziqine kakhulu ngaso sonke isikhathi. Yibo abazokwamukela kakhulu ukungena ezimakethe zezimali. Futhi ukwenza ukulandelwa okulungile kakhulu kwezingcaphuno zakho. Kuzoba isu elizokunikeza iziqinisekiso ezinkulu zempumelelo. Futhi namandla athe xaxa ekuhlaziyweni kwawo kabusha.
  5. Kufanele wazi ukuthi imakethe yokushintshaniswa kwamanye amazwe ihweba ngokuphazamiseka. Ngokungenasisekelo, njengethuluzi lokutshala imali kunoma yisiphi isimo. Yize kufanele wenze ukulawula okuphelele kakhulu ezikhathini ezingavamile kakhulu empilweni yakho yansuku zonke.
  6. Kungolunye utshalomali olungakusiza lapho ubhekene nesici esibi esingavezwa izimakethe zezimali. Njengendlela yesibili, noma kunjalo. Futhi njalo ngaphansi kweminikelo yezimali enesizotha. Lokhu kuzovikela kangcono ibhalansi ye-akhawunti yakho yokuhlola.
  7. Awunawo amanani akhangayo wokusebenza nalezi zimpahla zezimali. Njengakwelinye icala kwenzeka ngokusebenza emakethe yamasheya. Noma ngezimali zokutshala imali neminye imikhiqizo yezezimali eyinkimbinkimbi kakhulu: ama-waranti, ukuthengiswa kwesikweletu, okuphuma kokunye nabanye abanezici ezifanayo.
  8. Uma ukhuluma ngemali, awusoze wasikhohlwa isimo sendawo esetshenziswa yizakhamizi. Akumangalisi ukuthi kuyinto ekhetheke kakhulu ukuqonda ushintsho lwayo nezinye izimali.
  9. Futhi ekugcineni, awukwazi ukukhohlwa ukuthi kuyindlela enengozi enkulu. Ikakhulukazi uma unganikeli ngesiko lezezimali elidingwa yilezi zimakethe. Ngethuba langempela lokuthi ukusebenza kuzolimala. Izinguquko ngosuku olufanayo zingaba nodlame olukhulu. Ayifanele abatshalizimali abangenalo ulwazi olweqile kulezi zimakethe ezikhetheke kakhulu.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.