Lesi sikhathi samaholide esenzeka minyaka yonke siletha uchungechunge lokungabaza phakathi kwabatshalizimali abancane nokuthi badinga ukusula. Okuyinhloko kutholakala kulokho okumele bakwenze ngokonga kwabo ngalezi zinsuku. Ukwazi kusengaphambili lokho NgoLwesihlanu Oluhle izimakethe zesitoko zikazwelonke ziyavalwa. Abaningi balingeka ukuba bahlehlise izikhundla zabo zokulingana ngenkathi bechitha izinsuku ezimbalwa bekanye nabathandekayo babo. Abanye, ngokuphambene nalokho, bathambekele ekuvuleleni izikhundla ekutshalweni kwabo, futhi lapho bangathola khona inzuzo edingekayo yokukhokhela izindleko zala maholide.
Kuleli sonto, kuzo zonke izimakethe zezimali ukushintshana kwezibambiso kuncane impela, imisebenzi yokuthenga nokuthengisa ekuthengisweni kwesitoko iyancipha. Futhi ngenxa yalokho, ukuntengantenga kwamanani wamasheya kudume kakhulu kunezinye izikhathi. Kufanele wazi ukuthi abatshalizimali abakhulu nabo bathatha amaholide abo, futhi lokhu kungenye yezinsuku zonyaka lapho lokhu kuphuma kwemali evela ezimakethe kwenzeka. Manje kufanele kube nguwe onegama ngezindlela ongazisebenzisa ngalesi sikhathi seholide.
Inhloso enkulu yezenzo zakho, noma ngabe ikuphi, kufanele ihlose ukuvikela ukonga, ngaphezu kwakho konke okunye. Futhi ngalo mqondo, konke kuzoya ngephrofayili oyethula njengomtshalizimali: olondolozayo, onolaka noma ophakathi. Futhi nesimo samanje sezikhundla zakho: uma unemali ephelele, noma kunalokho, unezikhundla ezivulekile ezimakethe zezimali. Ngokuya ngalezi zinto eziguqukayo, umugqa wakho wesenzo kuleli sonto ungahluka kakhulu.
Ingabe yisikhathi sokwenza imali?
Uma ungenayo izikhundla ezivulekile Kuzitshalomali zakho, kungcono ukuthi ulinde izinsuku ezimbalwa uma inhloso yakho kungukuthenga okukhethiwe. Kuzoba ukubambezeleka okufishane kwezinsuku ezimbalwa, futhi umphumela wokugcina uzokufanele. Ngaphezu kwalokho, kulezi zinsuku ezikhetheke kakhulu, ngokomlando akubanga khona ukuhlaziywa okukhulu ezinkampanini ezibalwe. Ngaphandle kwemicimbi yokubaluleka okukhethekile, okungajwayelekile ukwenzeka kulezi zinsuku ezibaluleke kakhulu.
Ukusuka kulesi simo, isu lakho lokutshala imali lichazwe kahle. Gwema ukuthatha izikhundla ezimweni ezijwayelekile zemakethe. Ungakhathazeki ngemakethe yamasheya ezokwenyuka kuleli sonto, ngoba uzoba nesikhathi ngokuhamba kwesikhathi sokungena, ngaphandle kokuxhamazela ngamanani. Futhi uma yehla, kuzoba izaba ezinhle zokuthenga kamuva ngezintengo zamasheya ezincintisana kakhulu. Ikakhulukazi uma indlela yakho ihlose esikhathini esiphakathi nesikhathi eside.
Nokho, Kuyisonto elingakusiza uchaze isu ongalisebenzisa ezinsukwini ezimbalwa ezizayo. Ngisho nokukhetha ukuphepha okwakha iphothifoliyo yakho yokutshala imali. Uzoba nesikhathi esithe xaxa sokwenza lokhu kuhlaziywa ngokuthula kwengqondo futhi ubheke amanani. Akumangalisi ukuthi uzoba namathuluzi anhlobonhlobo wokuhambisa lesi sinqumo: imininingwane, ihluzo, izincomo ezivela kubathengi, njll.
Ngaphezu kwalokho, njengoba ukuvela kwama-stock indices amakhulu emhlabeni wonke kukhula phakathi nezinyanga cishe ezintathu ebesikulo nyaka omusha, ngeke kube kuhle kuwe ukushesha uthathe isinqumo. Kuzovele kube nezikhathi ezikahle zokungena ezimakethe, futhi mhlawumbe kube namathemba angcono okwenza ukonga kube nenzuzo. Kungathatha izinyanga ezimbalwa ukwenza umsebenzi ube semthethweni ngeziqiniseko ezinkulu zempumelelo.
Futhi ngeke kuvune izintshisekelo zakho uma ulahlekelwa yimali ngalezi zinsuku lapho kuzodingeka ubhekane nochungechunge lwezindleko ezingeziwe: ukudla, ezokuthutha, ukuhamba, ukuyothenga ... Ngakho-ke kuyalulekwa kakhulu kunemali uyigcine ku-akhawunti yakho yokuhlola uma kwenzeka kuba khona isehlakalo lokho kungenzeka kuwe ngesikhathi samaholide. Futhi uma usubuyile, kuzobe sekuyisikhathi sokubheka isimo sezimali zakho ozitshalile, nokuthi wenzeni ngempahla yakho.
Ingabe ngiyazilungisa izikhundla zami emakethe yamasheya?
Esinye isimo esihluke kakhulu sivela ezimeni lapho, nganoma yisiphi isimo, uvule izikhundla zakho ngamanani. Isinqumo okufanele usenze sizohambisana kakhulu nebhalansi yephothifoliyo yakho yokutshala imali. Futhi ukuthi esimweni ngasinye, kuzohluka kakhulu. Kanye nezinga lokuxazululwa kwe-akhawunti yakho yokuhlola ezinyangeni ezimbalwa ezizayo.
Isimo sokuqala ngesokuthi ulahlekelwe, ngenxa yokuwa kwezimakethe zamasheya emhlabeni jikelele. Futhi esimweni se-Ibex 35, sekuphele izinyanga eziyisishiyagalombili ukusuka ekubeni sezingeni eliseduze kwamaphoyinti ayi-11.000 kuya ekudlaleni ngocingo lwamaphuzu angama-8.000. Uma lokhu kuyicala lakho elithile, akukho okunye ongakwenza ngaphandle kokubekezela. Futhi ngaphansi kwanoma yiziphi izimo akufanele uhlehlise izikhundla ngePhasika. Ngaphandle kokuthi uphoqwe yizimbangela ezinobulungisa kakhulu.
Okunye okungenzeka kuvulekele izimo lapho unenzuzo enkulu ekuthengeni amasheya. Uma kunjalo, unezinketho ezimbili ezivumelekile ukuzisebenzisa. Ngakolunye uhlangothi, yenza ukuthengisa okuyingxenye ukuze kube nemali eyanele esandleni ukuhlangabezana nezindleko ezizokhiqizwa phakathi nalolu hambo. Futhi kokunye, izikhundla eziseduze ngokuphelele, ikakhulukazi lapho kubhekene nokukhathala kokunyakaza okuphezulu okwenziwe yizibambiso. Akumangalisi ukuthi kungaba yisikhathi esihle sokukwenza, bese ubuyela ezimakethe ezinyangeni ezimbalwa.
Kungasebenza njengokuhamba ukwenza olunye utshalomali olulandelayo. Okusho ukuthi, uma unganelisekile ngokuvela kwamasheya akho, ungasebenzisa leli sonto ukuwathengisa. Futhi ngesonto elilandelayo ubathumele kwezinye izinkampani ezifakwe kuhlu ezinikeza isici sobuchwepheshe esingcono, futhi ikakhulukazi, ngamathuba amakhulu okubuyekeza ezimakethe zezimali.
Kufanele ibe yini imigomo yakho kulesi sikhathi samaholide?
Ngeke ube kunoma yiliphi isonto, kodwa ezinsukwini ezimbalwa lapho ukuphumula nokuthula kuzokwanda khona. Futhi lezi zici yilokho okuzodingeka futhi ukuthi unikele esimeni sokutshalwa kwemali, ngaphandle kwephrofayili oyivezayo. Yilapho kuphela lapho uzofinyelela khona izinhloso zakho ngamandla amakhulu. Ukuvikela konke ukunyakaza ukuthi wenze ngokusemthethweni kulesi sikhathi esikhethekile sonyaka.
Inhloso yezenzo zakho ngeke ibe enye ngaphandle kokukuvimbela ekulahlekelweni yingxenye yemali oyilondolozile kuleli sonto. Njengoba ungachitha izinsuku ezimbalwa uziphumulele, ukukhohlwa isikhashana ukuvela kwezimakethe zezimali kanye nezwe lezezimali. Kuzoba yisikhathi esifushane kakhulu, lapho uzokwazi khona ukuthola amandla akho, ukubeka izindlela zakho ngokuqina okukhulu nangokuqiniseka lapho ubuya eholidini.
Ukuze wenze lokhu, kufanele ucacise ngokufunayo nokuthi yiziphi izinhloso zakho. Uma lezi zinkinga sezichazwe kahle, kuzoba lula kakhulu kuwe ukubeka imigomo kulokho okumele ukwenze kulondolozwe kwakho ngaleli Phasika. Futhi kulokho ngendlela ejwayelekile bazofingqwa ngezindlela ezilandelayo.
Izinqumo zokugcina ukonga ngendlela efanele
Akufanele ube nesidingo sokusebenza ezimakethe zamasheya, ngokunembile kulezi zinsuku ezingajwayelekile emakethe yamasheya, ngoba unyaka mude kakhulu futhi kuzoba nezikhathi ezikahle zokuthatha izikhundla kuzimpahla eziyinhloko zezimali, noma ngabe uneminye imininingwane.
Kuzo zonke izimo, ukuvikelwa kokonga kufanele kusebenze emisebenzini yakho ngaphezu kweminye iminikelo, futhi ugweme noma isiphi isibonakaliso sokuntengantenga okwenziwa izimakethe zamasheya ngalesi sikhathi sonyaka.
Uma ufuna ukwenza utshalomali lwakho lube nenzuzo phakathi neviki elingcwele ungabhalisela eminye imikhiqizo ephephile yasebhange, njengediphozithi enenzuzo enkulu, futhi unomphela wesikhathi esifushane ngokwedlulele. Ngale ndlela uzovikela iminikelo yakho yezimali ngempumelelo, ngokuthembela kwimbuyiselo eqinisekisiwe, yize ilula ngokweqile.
Ungazami ukushesha kulezi zinsuku imisebenzi yokuthenga nokuthengisa amasheya, ngoba ngeke kuzwakale, ngaphandle kokuthi udinga imali ukuze ukwazi ukuhlangabezana nezindleko ezinkulu ezizovela kulawa maholide. Yize ukungenisa ubungozi obukhulu kulesi sinqumo.
Kufanele futhi ukhumbule ukuthi ingxenye kuphela yalezi zinsuku ezoba yibhizinisi ukuze ukwazi ukusebenza ezimakethe zezimali. Ngakho-ke, ngeke kube yinzuzo kuwe ukugxila ekusebenzeni ngezinsuku ezimbalwa kangaka, futhi nangokuhamba okulinganiselwe okuningi kunokujwayelekile.
Akuzona izikhathi ezifanele ngokukhethekile zokuthi ukunyakaza okuphezulu kwenzeke ukungaguquguquki okuthile, futhi ngenxa yesizathu esifanayo, ukwehla kwezinga akubalulekanga kangako nakho. Akumangalisi-ke ukuthi, ukuzinza kwamanani ngokuvamile kungesinye sezici ezivamile kuleli sonto.
Yisikhathi esihle kakhulu sokuthi wonga imali kwimikhiqizo ephephe kakhulu, nokuthi banezinga eliphezulu lokuthengwa kwemali. Mhlawumbe ungaqasha isikhwama sokutshala imali esihlanganisiwe ohlangabezana ngaso nalezi zinhloso ezidingeka kakhulu.
Uma unezikhundla ezivulekile ezimakethe zezimali, hlala unolwazi ngeselula yakho yokuthi izenzo zakho ziguquka kanjani, ngaphambi kokuvela kwanoma yimuphi umthombo wokungazinzi emapaki futhi kuzodingeka uphuthume ekuthengisweni kwezikhundla zakho ngesikhathi samaholide.
Ungazami ukwenza imisebenzi eshesha kakhulu phakathi nezinsuku zokuqala zesonto ukuthola inzuzo enkulu edingekayo ukukhokhela iholide lakho. Uzibeka engcupheni yokuthi umdlalo uvele kabi, futhi unezinkinga zokukhishwa kwemali ezinsukwini ezizayo.
Futhi ekugcineni iseluleko esihle kakhulu sokuthi ube nesikhathi esingcono ngalesi sikhathi seholide esilandelayo ukukhohlwa ngalo lonke utshalomali lwakho, futhi gxila kuphela ekuphumuleni nasekuphumuleni nomndeni neqembu labangane. Akumangalisi ukuthi nawe ufanele ikhefu lokuphumula ngemuva kokubona ukungazinzi okuphezulu okulethwa yimakethe yamasheya ekuqaleni konyaka.