Ukutshalwa kwezimali nokuphathwa emakethe yamasheya kungaba yisinqumo esingaveliswa yisifiso sokwenza inzuzo ngokulondolozwa okuhlale kunakho kule misebenzi. Kepha kungabangelwa okwakho i-psychology encane yabatshalizimali. Zezemvelo ezahlukahlukene futhi kucatshangelwa uchungechunge lwezimo abazethula ebudlelwaneni babo nezimakethe zezimali. Futhi lokho kwesinye isikhathi kubaholela ekubeni baphindaphinde ngokweqile ekusebenzeni.
Kwenzekani ezingqondweni zabatshali zimali okuzobaholela engcupheni ingxenye enhle yempahla yabo? Le mibuzo yilokho esizokucacisela khona kule ndatshana, ngenhloso yokuthi ucace kancane yini ekushukumisela ukuba utshale imali oyilondolozile, nasezimeni ezahlukahlukene. Imvamisa kuyisikhuthazo semvelo yezomnotho, kepha kukhona nezinye ezingaziwa kakhulu njengengxenye yobuntu bakho nezizathu ezifihliwe ezivelayo lapho wenza ama-oda wakho wokuthenga.
Umqondo bekulokhu kuwukuthi ukutshalwa kwezimali emakethe yamasheya kuthuthukiswa ukukhulisa ukulingana kuze kube sezingeni eliphezulu, futhi kulapho okuhlangana khona kakhulu. Kulokhu akukho ukungabaza ezimeni eziningi. Kuyisifiso esinempilo sokuthuthuka empilweni, futhi iyiphi indlela engcono kunamandla amakhulu okuthenga, futhi ungazincishi lutho. Kepha hhayi kuzo zonke izimo lesi simo senzeka. Kuzoba yisikhathi sokubheka ukuthi yiziphi izizathu onazo zokuba yingxenye esebenzayo yezimakethe zezimali.
Izisusa zomnotho
Njengoba kukhonjisiwe ekuqaleni, kuyinjongo enkulu abatshalizimali abanayo, futhi noma kungenzeka ukuthi kuyicala lakho elithile. Kepha ngaphakathi kwalokhu isisusa Kunokwehluka okuningana ozodinga ukukugcina engqondweni ukuze ekugcineni ufinyelele kuphrofayela yakho njengomtshalizimali odayisayo. Kuzoba nokuningi kakhulu okungeke kuchazwe konke, kepha kunalokho kuvame kakhulu kubasebenzisi bemikhiqizo yesitoko.
Okokuqala kwalokhu kungabangelwa isifiso esihlukile sokwenza imisebenzi yezimali ibe nenzuzo ukuze kube nokulinganisela okuphezulu ku-akhawunti yamanje. Njengomphumela wazo, ukunyakaza okwenzayo ezimakethe kungabonakala ungacabangi kakhulu. Awukhathazekile ngezimo zokulingana, kepha ufuna ukutshala imali impela, noma ngabe imisebenzi ayihambi njengokulindelwe okwenziwe.
Laba batshalizimali babonakala ngoba cishe unyaka wonke banezikhundla ezivulekile. Kubo akukho ukuphumula, ngisho nangezikhathi zamaholide. Baxhumana njalo nezimakethe zezimali, kuze kufike ezingeni lokuthi ukutholakala kwayo ku-akhawunti yakho yokuhlola kuncane, ngezilinganiso ezingekho kakhulu. Bancike ngokweqile kulolu hlobo lokutshalwa kwemali. Ukuzama ukwenza imisebenzi eyingozi kakhulu nangaphezulu, ngisho nokuthatha amanani aqagelayo njengendawo yokubhekisela.
Fakela amaholo aphansi
Enye iphrofayli ejwayelekile eyejwayelekile yomuntu, onesikhwama esibalulekile sokonga, ayinayo imali eyanele kwanele ukuhola impilo ngamandla athile okuthenga. Futhi bazama ukungena emakethe yamasheya lokho abangakwazi ukukwenza kusuka emiholweni yabo njengezisebenzi, kungaba nge-akhawunti yabo noma nge-akhawunti yomunye umuntu. Akumangalisi ukuthi abakufunayo luhlobo lwebhonasi eligcwalisa umholo wabo ezingeni elamukelekayo kubo.
Kulezi zimo, ubungozi bokusebenza kwabo bukhulu impela, bufinyelela emazingeni ayingozi kakhulu kuzintshisekelo zabo njengabasindisi. Abanaso esinye isifiso ngaphandle kokufika besesimeni esingcono sezezimali ekupheleni kwenyanga. Futhi okuwukuphela kwensimbi kubaphathi ukufeza lokhu ukusebenza kwemakethe yamasheya. Okubi kakhulu ngaleli qhinga ukuthi inzuzo ayihlangani ngaso sonke isikhathi, futhi ungalahlekelwa yimali eningi ngokuvula izikhundla emalini, kungaba ezimakethe zikazwelonke noma ngaphandle kwemingcele yethu.
Kuyimali okungafanele uthembele kuyo. Akumangalisi ukuthi akuqinisekisiwe nganoma iyiphi indlela, ngisho nokuthi bazokugcina eminyakeni eminingi abebe ngumtshalizimali omncane noma ophakathi. Uma uyingxenye yaleli qembu elikhetheke kakhulu, uzobe uthatha ubungozi obukhulu ngokwenza ingxenye enhle yemali engenayo etholwe ngomsebenzi wakho. Futhi ngesimo esishubisayo sokuthi nganoma yisiphi isikhathi ukudlala kungaba kubi kakhulu kuwe kubaphathi okwenziwayo.
Qondanisa utshalomali ngokuzilibazisa
Esinye isisusa esingavela ukuthi uphathe ukutshalwa kwemali emakethe yamasheya kube sengathi umdlalo. Tshala imali yakho sengathi ukubheja kwezemidlalo noma okufana nakho. Imvamisa kulawa macala ukhona ixhaswe yisikhwama sokonga esinamandla ku-akhawunti yakho yokuhlola. Futhi ezingeni lomqondo, kukunika umuzwa wokwaneliseka okusobala, futhi okunye kwalokhu ezinye izinto zokuzilibazisa ongazithuthukisa empilweni yakho yangasese zihlupheka.
Leli qiniso likwenza uncike kakhulu ekusebenzeni kwabo, ngaphezu kokujwayelekile, nasemananini ahlukahlukene wezimali. Isikhuthazo semali asizwakali kangako kulezi zimo ezikhetheke kakhulu. Futhi impela uqondana nezinye izinhlobo zotshalo-mali, futhi ungahle ube ungumgembuli ojwayelekile. Uyazi ukuthi uzibeka engcuphenikodwa awunandaba kakhulu.
Ngomsebenzi wokusindisa
Umuntu ovula izikhundla ezimakethe zezezimali ubuye asebenze njengefomula yokuzihlomisela ngemali yakusasa, aze acabange nokuthatha umhlalaphansi. Umelwe yiphrofayili yomtshali-zimali onakekela kakhulu. Kukuyiphi i-premium ukuphepha ngokusebenza wokusebenza kwemakethe yamasheya. Akazibeki engcupheni ngokweqile, futhi imvamisa ukhetha ukuvikeleka okuvikelekile kakhulu, ngokuntengantenga okuncane ngamanani abo.
Elinye isu lalesi sigaba sabatshalizimali ukubhalisela amasheya ezinkampanini ezikhokha izinzuzo minyaka yonke. Ngakho-ke, yenza imali engenayo engaguquki ngaphakathi kokuguquguqukayo ngaphandle kokuthatha izingozi ngokweqile. Inzuzo yonyaka futhi eqinisekisiwe engafinyelelwa yilezi ziphakamiso zokutshala imali ifinyelela kuma-8%. Ifana nephrofayili yomuntu osekhulile ofuna ukukhuphula imali ayongayo, kepha ngaphandle kokudalula izikhundla zabo ngokweqile. Zama ukugcina okugcinwe ngaphezu kwakho konke, kuzobaluleka ekuphathweni.
Ngaphakathi kokugqugquzelwa komnotho kubaphathi kuneqembu lokugcina elizodinga nokuthi wazi ukuthi nawe uhlanganisiwe. Laba yilabo abasebenzisi bemakethe yamasheya bafuna ukuceba kungakabiphi. Kuyinombolo encane kakhulu efinyelela le nhloso oyifunayo. Ngaphezu kwalokho, ukufeza lokhu, kuzophoqeleka ukuthi ube nefa elibaluleke kakhulu ongalitshala. Futhi akubona bonke abanazo, futhi kuncane ukubeka engcupheni umsebenzi wempilo yonke.
Ukuphathwa: izizathu zengqondo
Abatshalizimali abagcini nje ngokugqugquzela imali ukutshala imali abayongele imali yabo. Kukhona abanye abathembele kakhulu ezindleleni zabo zokuphatha, futhi ezimeni ezisondelene kakhulu. Kusuka ngendlela ethize eyinqaba yokuzijabulisa, indlela yokuhlangenwe nakho okusha, noma ngabe kubonakala kungavamile. Futhi kunoma yikuphi, kuzokuvumela ukuthi wandise umcebo, noma ngokuphambene nalokho, ukushiye ama-euro anele endleleni.
Akukhona ukuthi kufanele uye ekuqokweni nodokotela wezengqondo ukuze uqinisekise ukuthi ziyini izisusa zakho zangempela zokungena ezimakethe zezimali ngabaphathi bakho, kodwa ngeke kwaluleke ukuthi hlaziya ubuntu bakho ukuqeda ukungabaza ngalesi sici somuntu siqu. Akusizi ngalutho, izimbangela zalesi silutha emakethe yamasheya zingaba ziningi futhi zinemvelo ehlukahlukene, nokuthi ungazithola ngalolu lwazi esikunikeza lona.
Ukulingisa abasebenzi abaphumelele kakhulu abasebenza njalo ezimakethe zezimali kungaba imbangela yokuqala. Ungahle ungazi, kepha ngaphakathi kwakho kungaba yisifiso esifihliwe sokulingisa labo bantu obathandayo kakhulu, futhi abaphumelele ezimakethe zezimali. Akusona isiqalo esihle ngoba lokho okuzodinga ngempela ukufunda okwanele ezimakethe zezezimali. Futhi mhlawumbe uhlushwa lolu lwazi olubalulekile ngomhlaba wemali.
Xhumana nomhlaba wezezimali
Esinye isizathu sale nzalo ekutshaleni imali ukugcina, noma kungenjalo, ngokungazi, ubudlelwano obukhulu nomkhakha wezezimali, kuleli cala omelwe yizimali. Futhi indlela engcono yokuqinisekisa izinkolelo zakho ekutshaleni izimpahla zakho ezimakethe ezitholakala emakethe yamasheya. Kuyalandela lokho ungagxili kuphela ezimakethe zasekhayaEsikhundleni salokho, uvame ukuya kwezinye izimakethe zomhlaba wonke, futhi noma ngabe unemikhiqizo ehlukile yezezimali (ama-waranti, okutholakele, izimali ezithengiswa ngokushintshisana, ukuthengiswa kwezikweletu, njll.).
Njengoba ubonile, ziningi izimbangela zothando lwakho ngemakethe yamasheya, nokuthi ngokuya kwazo uzoba nempumelelo enkulu ekunyakazeni okutshalayo nomxhumanisi wakho wezezimali. Ngakho-ke, akufanelekile ukuthi uhlukumeza le misebenzi ngoba kufanele ucabange ukuthi ngemuva kwakho konke, yimali yakho ogembula ngayo. Futhi akukhuthazwa ukuyifaka engozini ngemvamisa ethile, futhi okungenani ngaphansi kwezimo ezingezinhle kakhulu zezintshisekelo zakho.
Futhi ngeke udinge ukutshala yonke imali etholakalayo, kude nayo. Kwanele ukuthi ibe yingxenye encane yayo, ukuze ngale ndlela uvikele izintshisekelo zakho ekungazinzini kwezimakethe zezimali. Ungakhohlwa, kepha awufuni ukuba nokuhlangenwe nakho okunganconyelwe wena. Hhayi ngeze, ukuphepha nokuqonda kufanele kube yizona zinto ezijwayele ukwenzeka ezenzweni zakho emhlabeni onzima wokutshala imali. Futhi kuncane kakhulu, uma ungenalo ulwazi nokufunda okudingekayo ukuze usebenze kulo mkhakha. Khumbula ukuthi uneminye imikhiqizo yezezimali ezinzile futhi evikelekile yokwengeza izimpahla zakho, yize kunenzuzo ephansi ngokwesisekelo esivela kubaphathi babo.