Vele, abatshalizimali abanolwazi oluningi ezimakethe zezezimali bazoba nezinkinga ezimbalwa shayela izimali zakho ngendlela efanele ezinyangeni ezimbalwa ezizayo. Yibo impela labo abangazange batshale izimali zabo ezimakethe zezimali okuhloswe ngazo ukuba babhekele le ndatshana. Ngenhloso enkulu yokuthi basesimweni esihle kakhulu ukuvikela ukonga kwabo impilo. Futhi uma kungenzeka ngama-maxims izinzuzo zezimali kungenzeka, yize lokhu sekuzoxhomeka ezintweni ezeqile nokuthi okwamanje ngeke kuthintwe ukugxila kule ngxenye ebalulekile yemakethe yamasheya.
Okokuqala, akungabazeki ukuthi empeleni yiyona abaqalayo esikhwameni abasebenzisi abangenza amaphutha amaningi ekusebenzeni kwabo ezimakethe zezimali. Ukuthi iphuzu lokuthi ama-euro amaningi ngokweqile angashiywa endleleni futhi lokhu kuyisici okufanele sigwenywe ngaphezu kokunye ukucatshangelwa kobuchwepheshe. Lezi zeluleko zibhekiswe kubo, okuzobasiza ukuthi benze ngokusemthethweni imisebenzi yabo yezimakethe zamasheya. Ngemihlahlandlela elula yokwenza wonke umuntu angayiqonda kwasekuqaleni.
Ikakhulukazi ezimakethe zomhlaba ezizoba khona eguquguqukayo kakhulu kusukela manje kuye phambili nokuthi kuphi ukuqapha okufanele kube yiyona ndlela ejwayelekile kunazo zonke. Ngoba kuzoba nzima kakhulu ekutshalweni kwemali emakethe yamasheya ukubuya ukunikeza imiphumela emihle yeminyaka edlule. Uma kungenjalo, kunalokho, bazodlula endaweni eyinkimbinkimbi kakhulu. Lapho abatshalizimali abanokuhlangenwe nakho okuncane ekuhwebeni kwamasheya kuzoba nzima kakhulu uma ukuthambekela okujwayelekile bekungeyona intuthuko. Njengoba kwenzekile kusukela ngo-2013, lapho ukwanda okuqhubekayo ezimakethe zamasheya zomhlaba wonke kube yisibonakaliso seqiniso lezimakethe zezimali.
Izikhiye zabatshalizimali abasha
Ngaphakathi kwalesi simo jikelele, ngabatshalizimali abanolwazi oluncane ezimakethe zezimali abenza kanjalo. zingenzeka ngokubi kakhulu kusukela kwikota yesine neyokugcina yonyaka. Ngoba empeleni, uma wenza uchungechunge lwezenzo, isikhundla sakho sokutshala imali sizosebenza kangcono kakhulu ukuze ibhalansi ye-akhawunti yakho yamanje inyuke kancane kancane. Futhi ngale ndlela ukwazi ukujabulela lezi zinzuzo ezinkulu ukuze bazizuzele zona. Okungukuthi, ngemuva kwakho konke, inhloso yokuhamba kwakho, noma ngabe iyiphi impahla yezezimali ekhethwe ukwenza noma yisiphi isenzo ezimakethe zezezimali.
Kule ndlela yokuqala, kuzoba ngumsebenzi ukuthi ngeke kube nengozi Futhi kungenzeka ukuthi ngesikhathi esithile noma kwenye ngeke ikhule njengoba ubulindele kusukela ekuqaleni. Kodwa-ke, ukhiye owengeziwe uzoba ukuthi leli qhinga lingenziwa ngomthamo omuhle wesiyalo. Kuzoba yisici ekugcineni esizonquma ukuthi imiphumela yokugcina yokusebenza ixazululwe ngophawu oluqondile. Kuzoba yizimpawu ezinhle kakhulu ukuthi ukwazile ukufeza izinhloso zakho emhlabeni onzima njalo wokutshala imali.
Inhloso yokuqala: ungalindeli izimangaliso
Izinyathelo zokuqala kufanele zihlose ukungacebi ezinsukwini ezimbalwa. Akumangalisi ukuthi leli qhinga lingakuholela wenze amaphutha amaningi kunalokho obekulindelwe kumtshali-zimali onolwazi oluthile ezimakethe zokulingana. Esikhundleni salokho, ukutshalwa kwezimali kwesitoko kufanele kwakhelwe ekufakeni ukubekezela okuncane namasu athile. Ukukhathazeka akuyona indawo enhle yokuhamba yabatshalizimali abancane nabaphakathi. Izibonelo ezingaphezu kwesisodwa zingakufakazela ngokweseka lo mkhuba, lapho abanye abangane bakho abakhulu betholakala.
Ngakolunye uhlangothi, lolu hlelo lokutshala imali oluvame kakhulu kubantu abaningi lungaholela ekugcineni ukuze uchithe ingxenye enhle yomndeni wakho noma izimpahla zakho. Ngoba ngalo mqondo, Ukulangazelela kungaba esinye sezitha zakho eziyinhloko ukuphatha yonke imali okufanele uyisebenzise ukutshala imali. Esikhundleni salokho, ukuqonda kanye nokusebenzisa ingqondo kufanele kunqobe ngaphezu kokunye ukucatshangelwa kobuchwepheshe. Lesi sici into okufanele uyihlanganise ngokushesha okukhulu uma ungafuni ukwenza amaphutha amakhulu.
Inhloso yesibili: funda
Ayikho indlela engcono yokwenza ukonga okunenzuzo ukwedlula ukwazi konke okwenzekayo nomhlaba wezimali. Ngalokhu akunandaba ukuthi uthintana nabachwepheshe beqiniso, noma kusuka ebhange lakho elijwayelekile. Kunoma ikuphi, ungenzi iphutha ngakho ukuthi umtshali zimali weqiniso ngidinga ukufundisa futhi uqonde ukuthi imakethe yamasheya isebenza kanjani. Lapho kukhona ukhiye wokuletha ngempumelelo imibono onayo esigabeni sokutshala imali. Akukhathalekile ukuthi ubhekise kumuphi umakethe, kepha ngokuphambene nalokho, okubaluleke kakhulu imiphumela yokusebenza
Ngakolunye uhlangothi, kufanele uqonde ukuthi leli su lokutshala imali lihlala eqinisweni lokuthi i- imfundo yezezimali Kuyisikhali esihle kakhulu sokuzivikela ezimeni ezingase zivele kusukela manje kuqhubeke. Ngalo mqondo, kungcono usebenzise amasonto ambalwa noma mhlawumbe izinyanga ezimbalwa uma kunesidingo ukuhlangabezana nale mfuneko ebalulekile. Ngoba impela, uma uhlinzeka ngesiko elikhulu lezezimali, uzokwazi ukuthola imiphumela engcono kuyo yonke imisebenzi ozoyenza kusukela manje kuqhubeke. Lokhu yinto okufanele ube nayo kusukela manje kuqhubeke.
Tshala imali ongayidingi
Omunye wemithetho yegolide yabaqalayo usekelwe ekucabangeni ngaphezu kwakho konke ukuthi akukho okunye abangakwenza ngaphandle kokutshala leyo mali leyo awudingi esikhathini esifushane. Ngoba ubeka engcupheni, noma ukwenza imisebenzi emibi emakethe yamasheya noma, kunalokho, ushiye ama-euro amaningi emgwaqweni ngenxa yezidingo ongahle ube nazo zokuphatha umnotho wakho wasekhaya. Kusuka ezindlekweni zentela kuya kulezo ezitholakala kulondolozo lwasekhaya. Ngeke ube nokhetho ngaphandle kokwaba yonke imali ongayidingi esikhathini esilinganiselwe noma esinciphile.
Kulesi simo esivamile, kubaluleke kakhulu ukuthi wena kubika inkampani lapho ufuna ukutshala khona imali. Yazi izibalo zabo, izitayela zabo, ukuncintisana kwabo nanoma yini enye ebaluleke kakhulu noma esiza kakhulu nokusiza ukubikezela ukusebenza kotshalomali lwakho. Ngalo mqondo, imininingwane enhle ingaba yiphuzu elihle kakhulu lokusekelwa ukufeza izinhloso zakho ngempumelelo noma kancane. Okungukuthi, ngemuva kwakho konke, ngabe kumayelana nani uma ugembula ngemali yakho. Okuthile okufanele ucabange ukuthi kufanele uthembele kulwazi oluhle mayelana nezimakethe zezimali.
Zibekele imigomo emincane
Noma iyiphi indlela, enye yefayela le- imithetho eyisisekelo Ukufeza izinhloso zakho ezimakethe zezezimali, kwenzeka ngoba ngaphezu kwakho konke ubeka izinhloso zokutshala imali bese uchaza ukuthi kungcono yini ukulandela amasu amafushane, aphakathi nendawo noma wesikhathi eside. Ngokuya ngezidingo zakho njengomtshalizimali omncane nophakathi nokuthi esimweni ngasinye kuzohluka ngokuphelele. Ngokwezinga lapho isu elilodwa noma elinye lotshalomali luzodinga khona. Kungaba kusuka ezindleleni ezinolaka kakhulu noma ngemihlahlandlela yokuzivikela noma yokulondoloza. Ngoba ekugcineni kosuku kuzoba nguwe ozikhethela yena.
Ngakolunye uhlangothi, okubaluleke kangako kuzoba iqiniso lokuthi kufanele ufunde ukuphatha imininingwane futhi uthathe izinqumo ezizobaluleke kakhulu ephaketheni lakho. Ngalo mqondo, ungaqoqa imininingwane kusuka kokuhlukile iziteshi zokuxhumana. Kusuka kwabezindaba ezikhethekile ezimakethe zezezimali, abathengisi bamasheya futhi okuvela kulabo abasha kakhulu abadalulwa kwi-Intanethi. Ngazo zonke ungaphatha iphothifoliyo yakho yokutshala imali nge-solvency eningi kakhulu kuze kube manje. Ngokubheka okukhulu okungasiza kakhulu ukwenza izinqumo ezibaluleke kakhulu mayelana nokuthi yini okufanele uyenze ngemali yakho. Okuthile okungelula ngaso sonke isikhathi ukubona noma ukufaka isicelo.
Izingcaphuno zokulandelela
Ngomqondo owodwa noma omunye, abatshalizimali bangakhetha kusuka kuziteshi ezahlukahlukene zolwazi ukuthola isimo sokutshalwa kwemali kwabo ngokuya ngezidingo zabo. Phakathi kwakho okuvelele ngaphezu kwakho konke ukufinyelela kwe- izinsizakalo ezintsha zobuchwepheshe ukuthi izikhungo zezezimali zinikeza amakhasimende azo namuhla. Ngendlela yokuthi ukulandela okuphelele kweseshini ngayinye yokuhweba kungatholakala ngabo kusuka ebhishi lolwandle noma mhlawumbe endaweni ekude. Akusekho mingcele ukuze ukwazi ukuhweba emakethe yamasheya kusuka kunoma yikuphi emhlabeni.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ngokusebenzisa ama-oda enemibandela uzokwazi ukufeza izinhloso. Ngokwezinga lokuthi bazolungisa izikhala zokuthenga ngentengo ethile. Kulula kakhulu ukuzisebenzisa futhi kuzovumela umsebenzisi ukuthi achithe izinsuku ezimbalwa enokuthula okuphelele kwengqondo lapho beya khona, azi ukuthi i-oda labo lizophoqelelwa. Uma nje befika entengweni esiyinikezile yokuthengisa amasheya, kungenzeka ahlangane, ngokwesibonelo, nezinga lokumelana.