Kufanele uyitshale nini imali emakethe yamasheya?

izimali

Ukuthenga nokuthengisa amasheya kungenye yezindlela eziphumelela kakhulu zokwenza imali noma ukutshala imali oyongile. Kepha ngokuqapha okukhulu ngoba uma izinto zingahambi kahle ungashiya nama-euro amaningi endleleni. Ngalo mqondo, into ehluke kakhulu ngukutshalwa kwemali esikhathini esifushane kunasesikhathini eside. Ngoba ngokusebenzisa owokuqala kuzobaluleka ukuxhasa izimali ku phezulu kunani elikhethiwe. Kepha lokho ekugcineni kuzoncika kwezinye izinto ezingase zingalindelwe ngempela. Ngemiphumela emibi kakhulu esitatimendeni sakho seholo.

Kunoma ikuphi, kunesici esisodwa okufanele usicabangele ekutshaleni imali kwesikhashana futhi akukho okunye ongakwenza ngaphandle kokuba unake ukuvela kwamanani. Ukuze nganoma yisiphi isikhathi ukwazi ukuhlehlisa izikhundla noma, kunalokho, uma kuhlangatshezwana nemibandela edingekayo, khulisa izikhundla. Esinye isici okufanele usicabangele isidingo sokuthengwa kwemali okufanele uyidinge ezinyangeni noma eminyakeni ezayo. Ngoba ngokuya ngale mingcele ebalulekile, uzozithola ubandakanyeka kucebo elilodwa noma kwelinye lokutshala imali.

Ngakolunye uhlangothi, utshalomali lwesikhathi eside luhlukile ngokwesistimu oyisebenzisayo ukwenza ukonga kwakho kube nenzuzo. Akumangalisi ukuthi ingxenye enhle yabahlaziyi bezezimali ibhekisele eqinisweni lokuthi kulezi zikhathi ezinde uhlala uthola inzuzo enkulu ekusebenzeni kwemakethe yamasheya. Kodwa-ke, kunamacala athile aphikisana nalo mbono futhi kungahle kube nokunyakaza kwezinkampani okuphazamisa amathuba akho ezimakethe zezimali. Noma ukuqothuka kwenkampani esohlwini uqobo, njengoba kwenzekile eminyakeni yamuva ngeLa Seda de Barcelona noma iTerra, ukusho izibonelo ezimbalwa.

Iyiphi imali okufanele uyitshale?

dinero

Vele, umbuzo wokuqala okufanele uzibuze wona kusuka manje kuqhubeke ukuthi yini okufanele kube ukuxhaswa ngemali okufanele uyinikeze kule misebenzi emakethe yamasheya. Yebo, ngalo mqondo ayikho imithetho ebekiwe efanelekile. Kepha kuzoncika ngaphezu kwakho konke kunhlokodolobha oyinqwabele kuze kube manje. Ngokuya ngalesi sici, akufanele neze utshale inani lale mali. Kepha ingxenye yayo ehlakaniphile futhi noma kunjalo kufanele uhlale unemali ethile kwi-akhawunti yakho yokonga. Ukuze ngale ndlela, ukwazi ukuphendula ezindlekweni okufanele ubhekane nazo ezinyangeni ezizayo: ukukhokhelwa kwempahla, isikole sezingane, izikweletu ezitholakele nanoma yikuphi okunye okungavela nganoma yisiphi isikhathi.

Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi kubaluleke kakhulu ukuthi uhlukanise ukonga kwakho kokunye ukucatshangelwa. Okungukuthi, akudingeki ugcine imali kubhasikidi ofanayo, noma ngabe yikuphi lokhu: ukufaka isikhathi, ukuthenga nokuthengisa amasheya noma izimali zokutshala imali. Phakathi kwezinye izizathu ngoba ungalahlekelwa yingxenye enhle yokonga uma izinto zingahambi ngendlela olindele ngayo. Imali kufanele ihanjiswe phakathi kwemikhiqizo eminingana yezezimali, kepha lokho kuyaphelelisana. Vele, ongeke ukwenze ukwenza isivumelwano sokutshala imali emakethe yamasheya ngezimali zokutshala imali ezisuselwa kumholo oguqukayo. Ngoba ekugcineni kosuku uzobe utshala imali cishe kwimpahla yezimali efanayo. Ngeke kube khona umehluko phakathi kwamasu owasebenzisayo.

Yiba ngesikhathi esifanele

Enye yezikhiye zoku yenza inzuzo Impumelelo ethize ekutshalweni kwemali kufanele ibe ngesikhathi esifanele, into okungelula neze ukuyifinyelela kuzo zonke izikhathi. Mayelana nezimakethe zamasheya, kusho ukuthi kufanele ubekeke esimeni esenyukayo ngasikhathi sonke. Hhayi ngeze, uzoba nawo wonke amavoti okuthola inzuzo eningi yemali eminyakeni embalwa yokwenza lo msebenzi. Yize kulula kakhulu ukuthi ukwazi faka izimakethe zezimali ekuqaleni kwalezinhlangano. Phakathi kwezinye izizathu, ngoba uzoba namandla amakhulu okubuyekeza kabusha kunasesigabeni esiphakathi nesokugcina sale nqubo ekwakheni amanani. Kwanele ukuqinisekisa ukuthi izimali zamazwe omhlaba bezilokhu zihamba phambili iminyaka emihlanu futhi manje kungenzeka zingabi yizikhathi ezinhle kakhulu zokuthola inzuzo ephezulu ekutshalweni kwezimali emakethe yamasheya.

Ngaphezu kwalokho, nawe unga sebenzisa izikhathi ezithile zonyaka ukwanelisa izifiso zakho zokutshala imali. Ngoba banamathuba amaningi okuthuthukisa ukunyakaza okunamandla kunabanye. Esinye salezi zibonelo senziwe ezinyangeni zokugcina zonyaka ngoba kuzo ukunyakaza okuphezulu kulula ukuthuthuka, njengoba kungabonakala ezimakethe zezimali kula mashumi eminyaka edlule. Kungumzuzwana ongeke uphuthelwe ukwenza ukonga kube nenzuzo esikhathini esifushane. Akumangalisi ukuthi yiminyakazo ethembeke kakhulu futhi engavamisile ukwephulwa nganoma yisiphi esinye isimo.

Imikhiqizo okufanele utshale kuyo

imikhiqizo

Kukhona elinye iphuzu lentshisekelo ekhethekile futhi yilelo elibhekisa kwimikhiqizo yezezimali lapho kufanele utshale imali oyongile. Lokhu kuguquguquka kotshalomali kuzoncika ngokuyisisekelo ku- Iphrofayili oyethula njengomtshalizimali omncane naphakathi. Lokhu kusebenza kusho ukuthi uma ungumtshali-zimali olondolozayo noma ozivikelayo, akufanele ube nokuchayeka okubanzi kakhulu kumikhiqizo yezimali. Ngenkathi unolaka, akungabazeki ukuthi kufanele utshale imali ekuthengeni nasekuthengiseni amasheya emakethe yamasheya futhi mhlawumbe nefomethi enobungozi obukhulu. Isibonelo, okuphuma kokunye, iziqinisekiso noma utshalomali kuzinto zokusetshenziswa.

Ngokuphambene nalokho, kuzo zonke izimo kuzosiza kakhulu ukuthi wehlukanise ukonga ngendlela efanele futhi kuya ngephrofayili oyivezayo njengomthengisi. Ngokusebenzisa i- Ngokuqinisekile iphothifoliyo elinganiselayo yezokuphepha nemikhiqizo yezezimali nokuthi ungonga ukonga ngaphezu kwakho konke okunye. Ngoba ngokunembile lesi sici sokugcina akufanele sitholakale kunoma yiliphi isu lokutshala imali elibiza usawoti walo. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo. Akumangalisi ukuthi kufanele kube enye yezinjongo zakho eziseqhulwini kuyo yonke imisebenzi, kungaba ezimakethe eziholayo noma eziguqukayo.

Yiba nesikweletu ukuze uzivikele

Uma ufuna ukutshala imali kahle, into yokuqala okufanele uyenze ukuvikela imali yakho ngaphezu kwakho konke okunye. Ukuze wenze lokhu, kufanele unikele ngengxenye enhle yokonga kwakho kwimikhiqizo ekunika i inzuzo engaguquguquki futhi eqinisekisiwe minyaka yonke. Lelisu lingakhiqizwa kwimali engenayo engaguquki kanye nemikhiqizo engenayo eguqukayo. Phakathi kwezokuqala kubalwa ukufaka imali, yize okwamanje kungaphansi kwenzalo ephansi kakhulu. Njengomphumela wenqubomgomo yemali eyenziwa e-European Union futhi okuholele ekutheni intengo yemali ibe ngu-zero, okungukuthi, ibe ngu-0%.

Mayelana nenzuzo kumasheya, ungathola futhi umholo ohleliwe futhi oqinisekisiwe. Lesi sibonelo senziwe ngu izimali zokutshala imali eziqinisekisiwe. Inikeza inzalo engafinyelela ku-5%, kuya ngephothifoliyo eyenziwe yile mikhiqizo yezezimali. Kufika ezingeni lokuthathwa njengelinye lamamodeli wokutshala imali asebenza kahle kakhulu ukufanisa ubungozi nenzuzo. Futhi ngemiphumela ephakeme kunaleyo enikezwa ngamadiphozithi etheimu. Ngomehluko ofinyelela kumaphesenti amane wamaphesenti.

Ukungazinzi okuningi ezimakethe

ukuguquguquka

Ububi obukhulu bokubekwa ezimakethe zezezimali kulezi zikhathi ukungazinzi okuphezulu okuvezwa yizikhundla zabo. Vele, bephakeme kunamashumini ambalwa adlule ngakho-ke abakutholanga ukushuba okuphezulu okunjalo phakathi kwamanani abo aphezulu naphansi. Ngakolunye uhlangothi, lokhu kwenza kungabi lula ukuthi ube namamaki anele ukuvikela izikhundla zakho kusukela manje kuqhubeke. Ngezingozi eziningi ezicashile kuyo yonke imisebenzi oyithuthukisayo, ikakhulukazi leyo emiselwe isikhathi esifushane, lapho ungenamandla okuvikela khona imali oyongele kahle.

Kuphela ekusebenzeni kwe-intraday noma yenziwe ngosuku olufanayo ungathola imiphumela engcono. Kepha inqobo nje uma unolwazi kulolu hlobo lwemisebenzi ekhethekile edinga ulwazi olujulile ngezimakethe zezezimali. Ngokusebenza okwaziwa njengokuhweba futhi okudlula inkambiso lapho ukuphepha okukhethiwe noma izimpahla zezezimali zihamba khona. Uma lokhu kungelona icala lakho, kuzoba ngcono ukuyeka lo mzamo ngoba ungashiya ama-euro amaningi endleleni. Futhi-ke, akusizi ngawe ukwenza imisebenzi enjalo.

Esinye sezihluthulelo zempumelelo yokutshala imali kusekelwe ekuhlanganiseni isifiso sokuthola imbuyiselo ngokulondolozwa kwezikhundla. Ngaphandle kwakho ubuka izinzuzo ezinhle kakhulu, njengoba kwenzeka kweminye iminyaka lapho ukuthambekela ezimakethe zezimali kwakwenelisa kakhulu. Ngoba kusukela manje izinhloso zakho kufanele zibe nesizotha kakhulu kunakuqala. Hlala kude nembuyiselo ekulondolozweni kwamadijithi amabili, ngaphandle uma ufuna ukuvezwa okuningi engcupheni. Futhi akubona bonke abatshalizimali abangacabanga ngalesi sisekelo.


Yiba ngowokuqala ukuphawula

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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.