Kufanele uwathengise nini amasheya akho emakethe yamasheya?

thengisa

Akungabazeki ukuthi esinye sezikhathi ezibucayi kakhulu ekutshaleni imali lapho kufanele uthengise amasheya akho ezimakethe zezimali. Kuze kube seqophelweni lokuthi ungabaze ngokuthi umzuzu ohamba phambili yini ukwenza lezi zinhlangano zibe semthethweni. Noma uma, ngokuphambene nalokho, kungaba kuhle kakhulu kwizintshisekelo zakho ukulinda amasonto ambalwa ukuze uhlehlise izikhundla. Kunoma ikuphi, thengisa ku- i-bolsa Kuhlala kuvame ukudala ikhanda elingajwayelekile njengoba kungukusebenza okubucayi kakhulu, ngenxa yezimo ezahlukahlukene. Njengoba uzokwazi ukuqinisekisa kule ndatshana.

Isici esingaphezu kokufanele sokuthengisa amasheya sisuselwa kuzikhundla ekuhambeni kwakho. Ngoba empeleni, ngeke kufane nokuba semholweni ocacile wemali sengathi uzuze ukulahlekelwa okukhulu selokhu kuthengwe amasheya. Ngoba isu lokutshala imali okufanele ulisebenzise esimweni ngasinye lizoba njalo ehluke ngokuphelele. Kulula ukuthi ukubheke kusukela manje kuqhubeke uma ungafuni ukwenza amaphutha akhethekile. Futhi ungazisola ngemuva kwamahora ambalwa.

Ukuthengisa amasheya ezimakethe zezezimali akulula noma kuqondile. Ukuze wenze kanjalo, kuzodingeka ungenise uchungechunge lwezinhloso ezindleleni zakho kusukela ekuqaleni. Ngaphandle kwakho, ngeke ube nemigqa yokusebenza vikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi oyikho. Ukufika ezingeni lokuthi leli kuzoba isu lakho eliyinhloko. Kuzokusiza, hhayi kuphela ukwenza imali oyongele ikwazi ukwenza inzuzo, kepha okubaluleke kakhulu, ukuyivikela ngempumelelo nangokuphelele.

Ukuthengisa emakethe yamasheya: izici ezinomthelela

Vele, izinto eziningi zingangena ekhanda lakho ngaphambi kokwenza ukuthengisa ezimakethe zezezimali. Okokuqala, ukuthi yisikhathi esihle sokwenza ngalo mzuzu oqondile. Ngabe ufuna ukwazi izizathu? Yebo, ukusebenzisa isisho se-Anglo-Saxon esithi "thengisa ku-may uhambe" ungafinyelela esiphethweni esiqondile. Ngoba kusho ukuthi ingxenye enkulu yokwenyuka konyaka isivele itholakele. Futhi kungadingeka linda uze uphele unyaka ukusizakala ngokunye ukwenyuka kwamandla afanayo. Ngokuqondile, lezo zithathwe ku-rally ekupheleni konyaka.

Lesi sisho singahle singabi yiqiniso ngaso sonke isikhathi. Kepha noma kunjalo, siqala isikhathi sonyaka esingavuni kakhulu ukuthatha izikhundla ezimakethe zezimali. Njengoba kukhonjisiwe eminyakeni yamuva. Ngakho-ke ukuqonda kufanele kube yiyona ndlela ejwayelekile ejwayelekile yezenzo zakho. Ngaphezu kwezinye izinhlobo zokulinganisa futhi zibaluleke kangakanani. Ungakhohlwa uma ungafuni ukwenza iphutha elibi kakhulu. Ngoba ungakhokha kakhulu ngokwehla kwephothifoliyo yakho.

Vele, uma ukukhathala kuthatha amanye amanani onawo kwiphothifoliyo yakho, kuzoba ngumzuzu ocacile wokuthi ushintshe isu lakho. Ngoba empeleni, ngeke ube nokhetho ngaphandle kokuluhlela kabusha ukuze uthuthukise izikhundla zakho kumasheya kusukela manje kuqhubeke.

Ukungabi nesu elichaziwe

isu

Enye into enganciphisa ibhalansi ukuthuthukisa ukusebenza ngokususelwe ekuthengisweni okuyingxenye noma okuphelele ukungabi nesu elichaziwe. Noma kunenzuzo yemali ephothifoliyo yezokuphepha, uma ungachazanga izinhloso zakho, kuzosebenza njengezaba ezinhle zokuphuma ezimakethe zezezimali. Ukuze ngale ndlela, uthokozele izinzuzo ezikhiqizwe kunoma yini oyifunayo. Kusukela ekukhokheleni uhambo nabangane bakho ukuya ekwaneliseni i-whim yomuntu siqu. Kungaba yisikhathi sokubheka lezi zenzo.

Futhi ungakhohlwa ukuthi ukuntuleka kwencazelo ezinhlosweni kungaba yisixwayiso ngalokho okungenzeka kuwe. Ubhekene nokushintshwa kwesimo okungalindelekile ezimakethe zezimali. Akumangalisi ukuthi izinto eziningi zingenzeka futhi hhayi zonke ezakhayo. Improvisation izokudalela izinkinga kuphela kusuka manje. Ngakho-ke, akukhuthazwa ukusheshisa imisebenzi. Ngoba empeleni, ungenzeka ongakulindelanga futhi uzolahlekelwa yingxenye yezimpahla zakho.

Ukugwema zonke lezi zinkinga, ngeke ube nokhetho ngaphandle kokungenisa ulayini wesenzo ochazwe kahle kakhulu. Futhi kunjalo ilungiswa kuphrofayili oyivezayo njengomtshali-zimali ophakathi nendawo nomncane oyikho. Kuzoba isinqamuleli esilula ongasithatha ukufeza izinhloso zakho. Ngisho nangaphezulu kokunye ukucatshangelwa kusuka ekubukeni kohlaziyo lobuchwepheshe. Kumele ube nentando yokwenza ngokuzimisela.

Phenya isimo samasheya

Kungenzeka kwenzeke ukuthi yize ukuthengisa kwakho kukhula, akufani nenzuzo yakho. Futhi ukuthunyelwa okulandelayo kwama-akhawunti akho kungadala ukuthengisa. Ngengozi yokuthi leli qiniso lingaveza kulondolozo lwakho. Indlela enhle yokugwema lesi simo esiyingozi nge isibikezelo esitatimendeni sakho semali engenayo. Akumangalisi ukuthi unolwazi olwanele lokwenza le misebenzi. Ukube bekunjalo, kungakuhle ukuphuma ezimakethe zezimali ukuze kulindwe amathuba amabhizinisi angcono ezinyangeni ezizayo.

Isibikezelo kumasheya senza inzuzo eningi. Futhi ngalomqondo, kunconywa kakhulu ukuthi ulindele ukuthuthukisa isimo sangempela se-akhawunti yakho yezokuphepha. Ngokuqinisekile uzokwazi ukuqoqa lonke ulwazi mayelana nesimo sezinkampani lapho ufuna ukutshala imali oyongile kusuka manje. Kuzodingeka unikele ngesikhathi sakho kuphela, kepha ngesiqinisekiso sokuthi kuzoba yinto ezokuzuzisa. Ikakhulu lapho wenza ukuthengisa kube semthethweni ezimakethe zezezimali.

Ekuguqukeni kwethrendi

umkhuba

Ngokungangabazeki, ushintsho kuthrendi kwizibambiso noma ama-stock indices luzoba yizimpawu ezicacile ze lungisa izikhundla ngokushesha. Noma ngabe yisiphi isimo sangempela sokutshalwa kwemali kwakho. Phakathi kwezinye izizathu, ngoba phakathi nezinsuku ezimbalwa ezizayo inani lamasheya akho lizokwehla. Noma ngabe ngalowo mzuzu oqondile ulahlekile. Kuhlala kungcono ukuhlehlisa izikhundla ngabambalwa ngangokunokwenzeka. Ngoba bangakhula, nangodlame kakhulu kunalokho obekulindelekile.

Uma uthatha isikhathi eside sokuhlala, unenye isu. Akuyona enye ngaphandle kokuthi yenza ukuthengisa okuyingxenye lapho ushintsho kuthrendi ekugcineni lwenzeka. Kuyinto eyenziwa abatshalizimali abanolwazi oluningi ezimakethe zezimali. Ngakolunye uhlangothi, ugcina izikhundla zakho kusitoko. Ngakolunye uhlangothi, bayakwazi ukuba nemali ethize ku-akhawunti yabo yokuhlola lapho kufika izimo ezimbi kakhulu zezimali. Akumangalisi ukuthi kuyisenzo esiphakathi. Ngaphezu kwakho konke, zama ukuvikela izintshisekelo zakho ngaphezu kokunye ukukala okuphathelene kakhulu.

Izinguquko zethrendi kufanele zibe amabhizinisi njengamathuba ebhizinisi. Yebo, bakhonza i- uqondise kabusha utshalomali lwakho luye kwezinye izimpahla zezezimali. Kuzoba ibhaxa elifanele kunazo zonke ukushintsha isu lakho lokutshala imali futhi uguqule izikhundla zakho. Ukufika lapho ungancika kolunye uchungechunge lwemikhiqizo yezezimali. Kusuka kwizimali zokutshala imali kuye kokusezingeni eliphezulu njengama-waranti, ukuthengiswa kwesikweletu futhi ezimweni ezithile kakhulu kutholwe okuphuma noma izinketho zesikhathi esizayo.

Yini okufanele uyenze ngokungabikho kwemali?

izimali

Enye yezinkinga ezinkulu kakhulu abatshalizimali abancane nabaphakathi abanakho ukuhlangabezana nezidingo zabo zokukhokha. Ukuhlangabezana nezindleko zakho, izibopho zentela, isikole sezingane kanye nezinye izindleko ezingalindelekile. Ukugwema izinkinga zokuxazulula iphothifoliyo yakho, akukho okungcono kunokutshala kuphela lelo nani ongeke ulidinge iminyaka eminingi. Noma wehluleka lokho  ingxenye kuphela yenhlokodolobha emiselwe imakethe yamasheya. Ngalezi zinhlelo uzoba sesimweni esingcono sokulungisa noma ukhawulele izinkinga zakho zezezimali.

Ngoba empeleni, akekho noyedwa ongakwenza ukuthi utshale imali yakho kokutholakala kokulingana. Hhayi kancane, ngoba noma isiphi isehlakalo semali singakudalela ngesikhathi esingalindelekile. Akufanele naphansi kwezimo gcina ibhalansi ye-akhawunti yakho yokuhlola iphansi. Kufanele njalo ulindele izindleko ozoba nazo ezinyangeni ezizayo. Ziningi futhi zinemvelo ehlukahlukene. Kunoma ikuphi, kufanele uwahlaziye ukuze uveze inani ongalabela umhlaba wemali.

Kulesi simo esivamile, akufanele ube nolaka ezindleleni zakho zokutshala imali. Akumangalisi ukuthi ukuhlela okuhle kuzoba yisiqinisekiso esikhulu ekusebenzeni kwezezimali. Ngokuqinisekile uzohlangana nomuntu osondelene nawe ofake yonke imali ayilondolozile. Inkinga enkulu ezobalethela imiphumela emibi engaphezu kweyodwa. Kumele ufunde kulawa macala futhi ungaziphindi kuwe uqobo. Yisinye sezifundo okufanele uzifunde emakethe yamasheya.

Kumele wazi ukuthi kunemikhiqizo yasebhange neyezezimali engabizi kakhulu kuyo yonke imizi. Kusuka eminikelweni yezezimali evela kuma-euro ayi-1.000 XNUMX. Njengezimali zokutshala imali noma ama-term deposit Mhlawumbe yisixazululo ukuze ungabi nezinkinga ngesabelomali sakho kusuka manje kuqhubeke. Futhi ungakhipha imbuyiselo ethokozisayo kulondolozo lwakho. Ungakhohlwa uma ungafuni ukwenza amaphutha ekuphatheni imali yakho. Kuze kube seqophelweni lokuba enye yezinkinga ezinkulu abatshalizimali abancane abanayo.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  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.