Enye yezindlela zokupheka ezinhle kakhulu zokubhekana nokutshalwa kwemali eminyakeni ezayo kuzoba ukuhlinzeka ngokuguquguquka okukhulu kwezimali zakho ngokusebenzisa okhiye abathile ekusebenzeni. Hhayi ezimakethe zokulingana kuphela, kodwa futhi nasezimakethe eziholayo ezingenayo. Ngoba izimakethe zezezimali zingangena kwinqubo ye- ukwanda kokungazinzi. Kuzoba nzima ukuthola izinzuzo ezikhangayo ekusebenzeni okwenzayo kusukela manje.
Inani labahlaziyi bezezimali ababhekise enzalweni etholakale emakethe yamasheya eminyakeni edlule liyanda. akwenzeki futhi. Ukubuya kwamadijithi amabili kuzoba nzima ukusuka manje. Elinye lamasu okufanele uwasebenzise ukuvikela izikhundla zakho kuzoba ukwenza imisebenzi obhekene nayo ezimakethe iguquguquke.
Kepha futhi ngemikhiqizo eshesha kakhulu engavuna izintshisekelo zakho. Unezenzo ezimbalwa zokufeza lezi zinhloso eziqonde ngqo. Ngenhloso ephindwe kabili kuzindlela. Ngakolunye uhlangothi, isivuno somusa ongakuthola. Futhi kokunye, nikeza ukuphepha okukhulu kuyo yonke imisebenzi. Unomkhawulo owanele wokuthuthukisa lelisu lokutshala imali.
Imikhiqizo yokwenza imisebenzi iguquke kalula
Okokuqala, sizokudalula imikhiqizo ezokunikeza ama-margins amakhulu wokusebenza otshalweni. Impela omunye wemikhiqizo echaza kahle lesi sici yizimali zokutshala imali. Kepha hhayi bonke, kepha okwenziwa ngaphansi kwe- ukuphathwa nezimo. Njengamanje, ukunikezwa kwalezi zinhlobo zokutshala imali kubanzi kakhulu futhi umphathi ngamunye unemodeli eveza lokhu kucaciswa.
Ngabe izimali zokutshala imali eziguqukayo zikulethela ini? Yebo, ekuqaleni ukuphathwa okunamandla kakhulu, lapho utshalomali lungakhona ukuzivumelanisa nazo zonke izinhlobo zezimo. Kokubili kokuhle kakhulu nasesimweni esibucayi kakhulu sesimo sezomnotho. Ngaphandle kokubandakanya noma yiziphi izindleko ezingeziwe noma olunye uhlobo lwamakhomishini. Zilawulwa ngamapharamitha afanayo nezimali zendabuko zokutshala imali.
Ngale ndlela, ingahambisana nesimo lapho izimakethe zamasheya zishayisana ngokuhlukile ngokuhlukile. Lapho ukuthokozelwa kwamasheya kuyinto engokoqobo esicini sayo esinolaka kakhulu. Ukuze wenze kanjalo, kuzofanela uthole isizinda esisebenzisa lezi zici. Kufanele uyikhombise emininingwaneni yakho, futhi uma wehluleka lokho, ungayihlola ebhange lakho elijwayelekile.
Ungenza kanjani ukuthi utshalomali lube nezimo eziningi?
Emakethe yamasheya ungakha futhi leli qhinga, yize kungenjalo ngendlela engaqondile. Ngokuthengwa kwamasheya avela amanani ketshezi kakhulu. Ukuze ngale ndlela, ungene futhi ubashiye ngesikhathi esifanele osifunayo, hhayi lapho bekushiya. Njengakwelinye icala, bekulokhu kwenzeka ngokukhululeka ngohlobo oluthile lwamagugu. Enye inzuzo ezizokulethelwa yilezi ziphepho ukuthi ungazithenga futhi uzithengise ngentengo ebonakala ifanelekile, hhayi leyo ebekwe izimakethe zezimali.
Lesi sihlungi esibalulekile sizokuvumela ukuthi wenze ukhetho olubaluleke ngempela lwabazongenela ukwenza iphothifoliyo yakho kusukela manje kuqhubeke. Kunoma ikuphi, zizohambisana nalezo ezihambisa izihloko eziningi emakethe yamasheya. Ngevolumu yokuqashwa ephawuleka kakhulu lokho kuzokusiza ukuthi wenze utshalomali lwakho lube nezimo eziningi. Ngaphezu kwalokho, kuzoba isu elengeziwe lokuvikela ukonga kwakho ngokuthengisa okukhethiwe futhi okusheshayo kuzo zonke izimo.
Esinye isibonelo sokuzivumelanisa nezimo singanikezwa nguwe ngokusebenza okungeyona imali ephezulu kakhulu. Azinzima kangako ukusingatha ezimweni ezingezinhle neze kumasheya. Ukusebenza kwengxenye yakho kungasuselwa ku- thenga kaningana esikhundleni sokuzibeka endaweni yokuphepha eyodwa kuphela. Ngaphandle kokwenza ukuguquguquka okukhulu, kuzokwandisa amazinga akho okuhlukahluka. Lapho uzoba nokuvikeleka okukhulu ekunyakazeni okwenza kube semthethweni ngaphansi kwalezi zindlela ezizuzisa kakhulu izintshisekelo zakho njengomtshalizimali okudayisa.
Imikhiqizo yenkontileka ngaphandle kwezinsuku zokuphelelwa yisikhathi
Enye yezindlela ezisebenza kakhulu zokwenza izimali ziguquke kalula kuzosuselwa ekungayingeni inkontileka yemikhiqizo enezinsuku zokuphelelwa yisikhathi. Futhi kakhulu ukuthi lezi zihlala isikhathi eside. Ithinta yonke imikhiqizo engenayo engaguquki (imali yesikhathi, amanothi ezethembiso zebhange, izikweletu zomphakathi, njll.). Kepha qaphela kakhulu ngoba okunye kokuguquguqukayo kuyabaphoqa. Lokhu kunjalo, ngokwesibonelo, kwamawaranti noma ukuthengiswa kwesikweletu, okudinga izinsuku ezihleliwe ukuvala ukusebenza.
Zizobeka ingozi enkulu, okufanele igwenywe kulo nyaka. Akumangalisi ukuthi izingozi lapho kuvulwa izikhundla zizoba zamuva kakhulu kunezinye izivivinyo. Ukugwema lesi simo esiyingozi, kuzoba lula kunanini ngaphambili ukungabhaliseli kulesi sigaba semikhiqizo. Ngenhloso echazwe kahle futhi lokho kufanele kube nakho inkululeko enkulu yokuhambisa imali itholakalela ukutshalwa kwezimali. Ngaphambi kwanoma isiphi isigameko esingavela kulezi zinyanga.
Imikhiqizo enenkontileka akumele ibe nezibopho. Ukuze ngale ndlela ngikwazi baphambuke nganoma yisiphi isikhathi kwezinye izimpahla zezimali. Kulokhu, okuhle kakhulu ngaso sonke isikhathi. Ikakhulukazi konke lokho kutshalwa kwezimali okuxhumene ngqo nezimali kanye nezimakethe zabo zezimali. Kungale ndlela kuphela lapho iminikelo yemali ingavikelwa khona ngezikhathi zokungabaza okukhulu.
Okhiye: ngaphansi kokuphathwa okuvulekile
Sezadlula izikhathi lapho imiklamo yomkhiqizo wezezimali yakhulelwa ngaphansi kwemingcele evaliwe kakhulu. Kusuka kunoma imuphi umbono wezomnotho, amaphothifoliyo okutshalwa kwezimali akufanele asekelwe kumamodeli angaguquguquki kakhulu. Abaphathi bezikhwama zotshalomali kumele babambe iqhaza ku ukuphathwa okusebenzayo kwezimali. Ukuvuselela izimpahla zayo zezezimali ngokususelwa ekuguqukeni kwezimakethe zezezimali.
Kuyisimo sokutshala imali esamukelwa ngokwandayo ngabatshalizimali abancane nabaphakathi, njengoba kungaba ngawe. Ukuze lokhu kube njalo, ngeke uze ukhethe kodwa ukwamukela lezi ziphakamiso ngawo wonke unyaka ka-2017. Ngeke kubandakanye noma yiziphi izindleko ezengeziwe futhi kuzokusiza ukuba wehlise umoya ebusweni ukulingana kuyashintsha. Futhi kungani kungenjalo, futhi nemali engenayo engaguquki. Uneziphakamiso eziningi lapho ungakhetha khona futhi uvumelanise le mikhiqizo kuphrofayili oyethula njengomtshalizimali othengisa.
Leli su, ngakolunye uhlangothi, alikwazi ukusetshenziswa ekuthengweni nasekuthengisweni kwamasheya. Kuzimakethe zikabani lapho uzozivikela kakhulu ekusebenzeni kwakho. Kufanele kube yinto yokuhlaziya njalo lapho uya ukutshala imali oyilondolozile. Cabanga ngalesi sici njalo lapho uya khona ukukhulisa iziphakamiso zakho zokutshala imali. Ngale ndlela, uzokugwema ukuba nokudumala okungaphezu kokukodwa ezinyangeni eziyishumi nambili ezizayo onazo.
Gcina i-akhawunti yakho ingamanzi
Kuzoba ngenye yamasu onawo phambili. I-radical kancane, kepha lokho kungaba wusizo olukhulu ekuvikeleni izintshisekelo zakho. Ikakhulu ukuba nezinsizakusebenza ezanele zokubhekela ifayili le- amathuba amasha ebhizinisi okuvela kulezi zikhathi. Ngokuqinisekile uzoba nethuba lokukhumbula lesi seluleko esikhathini esithile sokuzivocavoca okulandelayo. Kungcono kakhulu kunokuthi uvule izikhundla ngokungafanele ukufeza izinhloso zakho.
Nganoma yisiphi isikhathi, ukubekwa kwemali kungafana nethuba lebhizinisi. Ngalokhu, kuzodingeka ngokuphelele ukuthi ube nezimali zokuvula imisebenzi. Ingxenye enhle yalesi simo izokwenzeka ngoba awutshaliwe kuzo zonke izinyanga zonyaka. Enye yezindlela zokusebenzisa leli su elikhetheke kakhulu kuzoba ngawe khetha kakhulu emsebenzini wokukhetha amanani wezimali. Ukuze ukwandise ukunyakaza kwakho ezimakethe zamasheya.
Ngaphezu kwalokho, enye inzuzo yokuthi ukulethwa kwemali izokulethela ukuthi ungakwazi babhekane nochungechunge lwezindleko ezingalindelekile okwethulwa minyaka yonke: umthethosivivinywa wamazinyo, ukushintshwa kwethelevishini noma lolo hambo olungalindelekile oluvela noma nini. Ngale ndlela, ngeke ube nesidingo esiphuthumayo sokuthengisa amasheya uma uthola isimo esingesihle ngempela sezimali.
Ukutshalwa kwezimali okufushane kuhamba
Enye indlela yokuthuthukisa ukuguquguquka kwemisebenzi yakho ejwayelekile emakethe yamasheya ukwenza imisebenzi yesikhashana ibe semthethweni. Akudluli izinyanga ezi-3 noma ezi-4, ezingakwazi ukuqoqa izimo ezinhle kakhulu ezimakethe zezezimali. Ngenxa yezimpawu zamanje zezimali, akunconywa ukubambezela ukuhweba. Kepha kunalokho phumelela kuzo bese uzama ukwenza ukonga kube nenzuzo ngesikhathi esifushane. Ngaphandle kokubambezeleka okukhulu.
Manje akufanele ucabangele ukusebenza ngemigomo isikhathi eside njengakuqala, noma okungenani njengoba wenza eminyakeni embalwa edlule. Kufanele uguquguquke kakhulu kusuka kuleli phuzu kuqhubeke. Njengenqubo ye- ukugwema izingozi ezibangelwa izimakethe zezezimali okwamanje. Imifushane, ilungele izintshisekelo zakho. Yize ukusebenza kwemisebenzi kungalindelekile. Okubi kakhulu kuzoba ukuzuza kwemali ngemuva kwakho konke.
Kufanele ngisho uzibekele imigomo emincane. Uma sezitholakele, uvala izikhundla zokuya kwezinye iziphakamiso ezinamandla wokuqinisekisa aqinisekiswe kahle. Kuzoba ngesinye sezihluthulelo zempumelelo eza ngaphambi kwesikhathi emsebenzini wakho wokutshala imali. Ngezindlela ezingenalo ulaka ngokweqile, okungamukeleki kangako.
Kunoma ikuphi, uzozithola unobunzima obukhulu kunasezivivinyweni zangaphambilini. Konke lokhu kungenxa yezici ezikhethekile zezimakethe zezimali ngalesi sikhathi. Khumbula ukuthi ukuzuza ukubuya kwamadijithi amabili manje sekunzima kakhulu futhi kudinga ubungozi obukhulu bokutshala imali. Kufanele uzibuze ukuthi ungakuthatha ngempela yini