Ungatshala kuphi imali yami

Ungatshala kuphi imali yami

Lapho unokonga okwanele ukuze uphefumule kalula futhi wazi ukuthi, uma kwenzeka okuthile, unemali yokukuxazulula, ngasikhathi sinye ungabuzwa ukuthi ngabe leyo mali ngabe ayihambanga kangcono yini, ukuze ikulethele izinzuzo. Ngakho-ke, ungahle ube nombuzo ofanayo engqondweni yakho: Ungatshala kuphi imali yami?

Ukubheka ukuthi noma yiluphi uhlobo lotshalo-mali luletha zombili izinzuzo nezingozi, ukwenza isinqumo esifanele akuyona indaba yokuthatha ubusuku obubodwa, kepha udinga ukukala okuhle nokubi. Ngaphezu kwalokho, ezimweni eziningi, uma usuyitshalile imali yakho, awukwazi ukuyikhipha noma kunini lapho ufuna khona, kodwa kuphela uma isitholakele, okukuvimbela ekubeni nenkinga nayo.

Faka imali: kungani uyenza

Faka imali: kungani uyenza

Abaningi bagxumela ezweni lokutshala imali becabanga ukuthi bazothola imali eningi futhi ngokushesha okukhulu. Futhi iqiniso ukuthi akulona iqiniso. Ngaphezu kwalokho, kufanele kukhunjulwe ukuthi noma yikuphi ukutshalwa kwezimali, ngisho okuphephe kunazo zonke, kufaka izingozi, futhi ungaphelelwa yimali onayo. Ngakho-ke, ochwepheshe bahlala bancoma ukuthi ungatshali yonke imali oyongile, kodwa ingxenye oshiye yona futhi ongeke uyidinge isikhashana.

Ngoba uma, Ukutshala imali akuyona indaba yokuboleka imali bese uyibuyisela kuwe ngosuku olulandelayo, noma ngesonto. Kwesinye isikhathi kungathatha iminyaka, futhi inzuzo oyitholayo incane, hhayi enkulu. Iqiniso ukuthi, kancane kancane, leyo nzuzo encane iphenduka ibe enkulu, kepha akusho ukuthi ukutshala imali kuzokwenza ube usozigidi.

Isizathu esenza abaningi bacabangele le nketho yingoba imali eyekiwe ayibiki nzuzo, noma ngabe ingamasenti ambalwa. Futhi-ke, uma uyitshala, ungaba nayo. Kepha ungalindeli ukushaywa yinhlanhla noma ucabange ukuthi uzothola inani elikhulu lemali.

Ekuphetheni: ukutshala imali yakho kungaba yindlela yokukulethela inzuzo ethile, kepha kufanele ukwenze kuphela ngalokho osele nakho ngemuva kokuhlanganisa izidingo zakho nokuba "nesigodlo" sokukusiza ukuxazulula noma ikuphi okwenzeka ekugcineni.

Impendulo yokuthi uzotshala kuphi imali yami

Impendulo yokuthi uzotshala kuphi imali yami

Uma ungayeki ukuyicabanga futhi uhlala ucabanga ukuthi "uzotshala kuphi imali yami", khona-ke lapha sikunikeza ezinye izinketho, ezinye ziphephe kunezinye. Zonke ziyenzeka, yize sincoma lokho, Uma ungazi, qala uzame ukuhlola kahle ukuthi ufuna ukwenzani. Futhi, lapho kunokwenzeka, ungatshali yonke imali onayo, kodwa ingxenye kuphela yayo. Ngale ndlela, uzozishiyela umatilasi ongawusebenzisa ngenkathi enye ingxenye inyakaza ukubika izinzuzo.

Izimali zokutshala imali

Lokhu kungenye yezinketho ezinenzuzo yokuthi kufanele yenziwe uchwepheshe, yingakho kuphephe (ngangokunokwenzeka). Ngaphezu kwalokho, kuya ngokuthi ungumtshalizimali olinganiselayo, olondolozayo noma onobungozi), bazokunikeza izinhlobo ezahlukahlukene zezimali zokutshala imali.

Isincomo sethu ukuthi buza ngaphambi kokwenza isinqumo, nokuthi uhlangane nochwepheshe ozophatha yonke into. Yize izibalo zabeluleki beRobo sezivelile, okungamarobhothi anesibopho sokuphatha yonke into ngendlela ezenzakalelayo.

Futhi kuhlanganisani isikhwama sokutshala imali? Yebo, empeleni ukuhlanganisa imali yabatshalizimali abaningana ukuze uzitshale kuzimpahla ezahlukahlukene bese kuthi kamuva uthole izinzuzo ngokususelwe kulokho okunikele.

Acciones

Amasheya ayizibambiso izinkampani ezinikezayo ukuze abanye bakwazi ukuzithenga futhi, ngale ndlela, bathole imali yokuzixhasa. Lokhu kuvikeleka kunika amalungelo kubantu abangabanikazi bawo, ngendlela yokuthi bakwazi ukuzuza kwizabelo uma inkampani ithatha isinqumo sokuyinikeza.

Kepha ngokuyisisekelo esimweni sokutshalwa kwemali, okwenzayo thenga amasheya bese uwathengisa ngentengo ephezulu. Ngale ndlela, ubuyisa imali kanye nenzuzo ngoba uzithengisa ngemali ethe xaxa kunalezo ezikubize zona.

Manje, yize kubonakala kukuhle kakhulu nokuthi ungenza imali eningi, empeleni kuyingozi enkulu kakhulu obhekene nayo, ngoba amasheya afanayo angavuka njengoba ecwila. Ngamanye amagama, into efanayo ungathola okuphindwe kabili kwalokho okukhokhele amasheya; noma ulahlekelwe uhhafu wemali yakho (noma yonke).

Ama-bond

Kufanele uqonde amabhondi njengezibambiso zesikweletu. Lokhu kukhishwa zombili izinkampani noHulumeni noma ezinye izinhlangano ukuthi zifune imali futhi okukuvumelayo ukuthi ophethe lawa mabhondi angathola izinkokhelo zenzalo "zokubolekisa" leyo mali ebaluleke kakhulu.

Banenzuzo ye- nikeza ukubuya okuphezulu, kepha kuncane kunasesitokisini. Futhi awudingi ulwazi lobuchwepheshe.

Kuzo zonke izinketho ongazibuza zona embuzweni othi "uzotshala kuphi imali yami", mhlawumbe lena inengozi encane kakhulu. Kepha akusho ukuthi kufanele ungene nje ungene. Izinkinga emhlabeni zingadala ukuthi kube nobungozi obuningi, njengohlobo lokwehla kwamandla emali, inzalo, ukwenziwa kwemali ... Futhi kulokhu kufanele ungeze ukuthi isikhathi eside sezibopho, ubungozi obuningi obusebenzayo.

Imali efakwa esikhathini esinqunyelwe

Uma ungafuni ukubeka engcupheni ngokweqile, lokhu kuyindlela abaningi abakhetha ukuphepha kuyo. Ukwenza lokhu, okwenzayo ukuya ebhange elizokunikeza imbuyiselo esikhundleni sokugcina inani lemali yakho isikhathi esithile X. Ngemuva kwalokhu, uzokwazi ukukhokhisa inzalo ngokungathinti lokho imali.

Manje, kuthiwani uma kufanele uyisuse? Bayakuvumela, kepha bakhokha inhlawulo.

Into enhle ngayo ukuthi, Ngaphambi kokwenza konke ngokusemthethweni, bazokutshela ukuthi uzotholani. Ngakho-ke udinga kuphela ukusho ukuthi uzoshiya malini okungaguquki nokuthi uzohlala isikhathi esingakanani ukwazi ukuthi kuzokulethela inzuzo engakanani. Kepha ungalindeli ukuthi bakunikeze inani elikhulu.

Ezinye izinketho lapho ungatshala khona imali yakho

Ezinye izinketho lapho ungatshala khona imali yakho

Kunezindawo eziningi nezinketho zokutshala imali yakho. Kusukela ukuthengiswa kwezindlu, ukuqoqwa kwemali mboleko, ama-microcredits, ukuba yingelosi yebhizinisi, ukudala ibhizinisi ...

Isinqumo sokukhetha eyodwa noma enye sifaka phakathi ukwazi ukuthi iziphi izingozi zokutshala imali nokuthi zingakulethela ini. Kufanele ugcine ikhanda elipholile futhi ungacabangi ukuthi likhulu, ngoba lokho kuzofaka ukukhohlisa kokunye okuthi, kamuva, kugcine kube yi-fiasco.

Ngabe uncoma ezinye izinketho zokutshala imali?


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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.