Vele, isikhathi sokuqonda sesivele sidlulile ukwenza ukuhlolwa okuphelele kokuvela kwezimali zakho. Ngisho nokushintsha kwempahla yezezimali. Hhayi kuphela maqondana ne- imali engenayo, kodwa futhi nemali engenayo engaguquki noma ezinye izinhlobo zokutshala imali ngokucacile. Kuzoba ngumzuzu ongaphezulu kokufanelekile we shintsha noma ugcine izikhundla zakho. Ngenhloso yokuthi ezinyangeni ezizayo imbuyiselo kulondolozo lwakho iqiniswe ngamandla amakhulu. Ngeke ube nokhetho ngaphandle kokusebenza kakhulu ekuphatheni imali yakho.
Uma konke kuhamba ngohlelo, halala. Shiya yonke into njengoba injalo, futhi mhlawumbe wenze izinguquko ezimbalwa vikela utshalomali lwakho ezimakethe zezimali. Kepha-ke ngaphandle kokunyakaza okungazelelwe ngoba ngaphezu kokukusiza ukuthi ufinyelele le nhloso, kungakulimaza wena nangaphezu kwalokho obucabanga ekuqaleni. Lokhu kungaba isu elilondolozayo lokuqhubeka kulayini omuhle ofanayo lapho ucwiliswa kulezi zikhathi eziqondile.
Elinye icala elihluke kakhulu ukuthi uma izimali zingathuthuki ngendlela obufuna ngayo. Ngeke sibe khona esinye isixazululo ngaphandle kokushintsha umkhombandlela futhi siwuthumele emikhawulweni yenzuzo engcono kakhulu enikezwa izimakethe zezezimali. Uzokwazi ukwenza ngokusemthethweni lezi zenzo ngamasu ahlukahlukene azoba nenhloso enkulu lungisa amaphutha enziwe selokhu kuqale unyaka. Ngezinye izindlela etafuleni, noma kunalokho ezimakethe zezezimali. Njengoba uzokwazi ukubheka ngezansi.
Shintsha utshalomali: kanjani?
Ngokufika kwentwasahlobo futhi, kuzoba isikhathi esifaneleke kakhulu sokwenza izinguquko ezidingekayo kutshalomali lwakho. Kuzoba isikhathi sokuzibuza imibuzo ethile ezuzisa kakhulu izintshisekelo zakho. Isibonelo, kufanele sibheke kuphi noma yimaphi amasu okufanele ugxile kuwo otshalomali lwakho kusuka manje. Ngokusebenzisa ezinye izindlela ezilusizo ungaya phambili ekutshaleni kwakho imali kulo nyaka. Noma ngisho isikhathi eside sokuhlala uma lokhu kuyisifiso sakho.
Ngoba empeleni, akukho okungcono kunokushintsha okukubi kakhulu kuwe. Kungaba kwinkontileka yemikhiqizo yezimali njengokutshalwa kwemali ngqo ezimakethe zamasheya. Ngokwalo mbono, noma ikuphi ukuthuthuka kungenza ukuthi ukwandise ibhalansi ye-akhawunti yakho yokubheka kalula. Omunye wale mibono uvela kufayela le- indlela esebenzayo kakhulu Lokho kuze kube manje. Ngokuthintana ezindaweni lapho iqiniso lingahlangabezani nokulindela kwakho kokubonga.
Hlukanisa ubungozi
Ngeke ube nokunye ongakwenza ngaphandle kokulawula ubungozi bokusebenza kwakho kwezezimali. Impela kakhulu kunakuqala. Kufanele unikele izixazululo eziguquguqukayo ebudlelwaneni bakho nezwe eliyinkimbinkimbi lemali. Esinye salezi zenzo zakho singahle siqhubeke sisuka endleleni yokutshala imali ebamba kakhulu. Vele, kuzokusiza ukuthi ufeze izinhloso zakho ngasekupheleni konyaka, okungenani.
Iseluleko esiwusizo kakhulu kulezi zimo siqukethe ngqo ekubuyekezeni ngokuphelele zonke izimpahla ezakha iphothifoliyo yokutshala imali okungenani ithuba. Kungenzeka, ngokwesibonelo, ukuthi abatshalizimali bane- isisindo esikhulu kakhulu emikhakheni ethile. Ngokuthola izinkontileka kwemikhiqizo ethile yezezimali. Kuzoba isikhathi esifaneleke kakhulu sokwenza umumo omusha kulokhu kutshalwa kwezimali. Ukususa ubukhona bemikhakha enezikhundla eziphakeme kakhulu ekwakhiweni okukhethiwe.
Elinye lamasu anikezela usizo olukhulu kubo bonke abasebenzisi ukugcina ukulingana okuthile kwempahla yezezimali. Igumbi lokunikeza, hhayi kuphela kumikhiqizo exhunywe kumasheya, kepha futhi kufaka phakathi enye imali engenayo engaguquki noma ezinye izindlela. Kunoma ikuphi, uma iphrofayili oyivezayo kunenkolelo noma ivikela, uzophinde ube nethuba lokwenza njalo ukunciphisa ukuphathwa kobungozi. Lesi senzo singenziwa ngemikhakha enesisindo nemikhiqizo enezinga lobungozi eliphansi kunezinye. Kuzohlala kunikela ngokuvikelwa okukhulu kulondolozo lwakho kusuka manje.
Buyekeza amaphutha enziwe
Kwelinye izinga lezinqubo okufanele uzenze zibe semthethweni kulesi sigaba, awukwazi ukuphuthelwa buyekeza izimali ezingasebenzi. Futhi lokho kuzobe kusinda ekutshalweni okuphelele. Kuzoba izaba ezinhle kakhulu zokwenza ushintsho olunengqondo kuphothifoliyo yakho yokutshala imali. Ukuze le nqubo ihanjiswe ngazo zonke iziqinisekiso, indlela engcono kakhulu okufanele uyenze ngayo ukuyiphatha ngezikhathi ezithile. Kungenziwa njalo nge-trimester, semester noma ngonyaka. Konke kuzoya ngezidingo zangempela onazo ngaso sonke isikhathi.
Esinye iseluleko esisebenzisekayo kulezi zikhathi silele kubuchule bokuzivumelanisa nezidingo ezintsha ezimakethe zezimali ezikubeka kuzo ngaso sonke isikhathi. Ngoba impela, uma unombono wokuthi eminye imikhiqizo noma amanani bazokwenza kube ngcono noma kubiKunengqondo ukulungisa iphothifoliyo yakho ngokufanele. Akumangalisi ukuthi ukwazile ukudideka noma umane nje awuzange ucabange ngezimo ezithile ezenzekayo manje. Yize kulokhu uzodinga ushintsho oluncane noma olukhulu engxenyeni enkulu yotshalomali.
Futhi ungakhohlwa ukuthi ukuvela okuhle kwempahla ethile yezezimali kungaholela ekutheni uvule izikhundla ezintsha ekusebenzeni owawukhohliwe. Ngokusebenzisa isu lokuphatha elisebenza kakhulu elazi kakhulu i- izindaba ezenzeka emhlabeni wezomnotho. Kokubili ezingeni likazwelonke nangaphandle kwemingcele yethu. Kuzoba indlela ethakazelisa kakhulu ukukhuphula imbuyiselo kulondolozo lwakho. Ngemiphumela engaba namandla kakhulu nokuthi yini engcono, inenzuzo enkulu kunangaphambili.
Thuthukisa izimpahla zamanje
Le eminye imigqa yesenzo ebaluleke kakhulu onayo ngaphambi kwakho kusukela kulo mzuzu kuqhubeke. Ngoba leli su elihlukile lisuselwa entweni elula njengokuthi imikhiqizo enenzuzo enkulu ngawo wonke umzuzu. Lokhu kuzodinga ukuthi wenze ukubuyekeza okujwayelekile kwezimpahla zakho eziyinhloko zezezimali. Ukwenza esikhundleni sabo okwenziwa kahle kakhulu ezimakethe zezezimali. Kuzoba ukulungiswa okubizwa okuhle kakhulu kuzintshisekelo zakho.
Kuzoba elinye lamasu angcono onawo okwenza imisebenzi yakho ibe semthethweni futhi wenze ama-margins enzuzo enzuzo yesikhathi esifushane noma esimaphakathi sokuhlala unomphela. Ngale ndlela, uzobe usesimweni esihle kakhulu ukuthola okwangempela ngesikhathi. amathuba ebhizinisi. Kususelwa kuzo zonke izimo zezezimali. Kusuka kokukhulu kakhulu kuye kokucacile ngokweqile. Kuzo zonke uzoba nezinye izindlela zokwenza imisebenzi enenzuzo ezimakethe zezezimali. Ngokungafani namanye amasu okutshala imali amile kakhulu ezindleleni zawo.
Funa ukuguquguquka kwezimali
Iba enye imodeli esebenza kahle kakhulu ukuhlangabezana nokulindela kwakho ngokubuyiselwa okungcono. Ukuze ngale ndlela, ukwazi ukuguqula izimali kuya ngesimo ngasinye eyenziwe ezimakethe zezezimali. Unendlela elula yokusebenzisa leli qhinga eliyingqayizivele ngokuphathwa okusebenzayo kwezimali zakho ozitshalile. Lo msebenzi ungatholakala ngokugcina iphothifoliyo yakho yokutshala imali. Ukukwazi kakhulu, ukulungisa noma yimaphi amaphutha ongawenza.
Futhi indlela yangempela yokufeza izinhloso zakho isuselwa ekuqashweni kwemikhiqizo yezezimali ehlangabezana nalezi zidingo. Enye yezinto ezifanele kakhulu ivela ku- izimali zokutshala imali ezilawulwa ngenkuthalo. Akumangalisi ukuthi kuya ngokuya kujwayelekile ezinkampanini zokuphatha ukwenza amamodeli analezi zici. Ukuze ngale ndlela, wena ngokwakho ungadingi ukwenza lutho. Ngoba empeleni, kuzoba umphathi uqobo ophethe ukufuna amathuba amahle kakhulu ebhizinisi ngaso sonke isikhathi nakwezomnotho wamazwe omhlaba.
Amathuba ebhizinisi
Izokunikeza ithuba lokuthuthuka ngokuqhubekayo kwenzuzo. Ukuvuselela izingxenye zalezi zinhlobo zokutshala imali. Kokubili maqondana nokunyakaza kwamanani kanye nemali engenayo engaguquki, kanye amamodeli ahlukile. Kuzoba inzuzo enkulu ukuthi le modeli ikunikeza ekugcineni kokusebenza kwakho. Ukufika lapho unezinketho eziningana zokukhetha leli su elikhethekile. Izinhlobo eziningi zokwenza ukonga kwakho kube nenzuzo onayo ngalesi sikhathi.
Kunoma ikuphi, kuzohlala kuyisikhathi esihle sokuba ubuyekeze futhi ukwazi ngisho nokuthola izikhundla ezahlukahlukene. Kuzoba indlela engcono kakhulu ukuze ungatholi isimanga esibi kulo nyaka kanye nokuzivocavoca okungaphezulu. Ukuba sezikhundleni ezimile kakhulu kuyinto embi kakhulu ongayenza. Ikakhulukazi ezikhathini zaphakade kuhloswe esikhathini esimaphakathi neside. Kufanele ufunde emaphutheni enziwe ekuzivocavoca okwedlule. Lapho, ngokungazithuthukisi lezi ziphakamiso, uzobe ulahlekelwe ama-euro amaningi endleleni. Ngoba ebudlelwaneni bakho nezwe lemali kuzodingeka nokuthi uvuselele izikhundla zakho. Hhayi kuphela ezimweni ezimbi kakhulu. Lokhu kungenye yezinqumo okufanele uzifunde ezimakethe zezezimali. Ukushintsha kwesikhathi kungaxazulula izinkinga onazo okwamanje. Ngabe uzimisele ukwamukela lelisu esiliphakamisayo kule ndatshana?