Uma udlala emdwebeni olandelayo we-Christmas Lottery ngoDisemba 22 uzokwazi ukuvuvukala uhlu lwezigidigidi uma okweshumi kwakho ukhishwa nge-jackpot. Uzoba ngumzuzi ongekho ngaphansi kwama-euro ayizi-400.000 ongajabulela ngayo iminyaka ezayo. Kufike ezingeni lokuthi ungazibuza ukuthi ngabe isikhathi esifanele yini sokuthatha umhlalaphansi futhi uphile ngemali oyitholayo. Futhi-ke izindaba ezinhle kakhulu zokuvalelisa kulo nyaka.
Kodwa-ke, khumbula ukuthi lena ngeke kube yimali ezoya ku-akhawunti yakho yokuhlola. Akusizi ngalutho, bazodonsa izintela ezimiselwe umdlalo. Ngoba empeleni, i-jackpot izokhokhiswa intela nge-20% yemiklomelo engaphezu kwama-2.500 euros. Njengomphumela walokhu kudonswa, kuzodonswa inani lama-euro angama-80.000. Ngakho-ke, inani loketshezi ozolithola lizokwehliselwa kuma-euro ayizi-320.000. Kepha ungathukutheli, usenenani eliwuketshezi kakhulu ukwenza kube nenzuzo.
Kusukela kulo mklomelo obalulekile ozowuthola, inani lalo mklomelo lizotholakala ngedola. Ngisho nokufinyelela emazingeni adinga kakhulu, kuya ngokusebenza kwakho ezimakethe zezezimali. Izindlela zokutshala imali onazo zihlukahlukene kakhulu, kusukela kuzinkontileka zamadiphozithi ezikhathi kuya kwezinye izinketho eziyingozi kakhulu, njengokufaka imali kuzimpahla zezimali ezithakazelisa kakhulu ngaso sonke isikhathi.
IGordo: yitshale kwimikhiqizo
Ungaqhubeka ukulinga inhlanhla yakho bese uzama imikhiqizo yezezimali ukuze uqhubeke ukwandisa ingcebo yakho. Ukuze ngale ndlela, ekugcineni ungashiya impilo yakho yokusebenza. Kuze kube nemikhawulo yenzuzo engavamile ukubonwa emlandweni wakho omfushane njengomtshalizimali omncane naphakathi. Akumangalisi ukuthi uzoba nemali eningi kakhulu kunalokho ongakucabanga ukukwenza uzuze. Kusuka kumkhiqizo omuhle kakhulu wotshalo-mali ongena kuphrofayili oyivezayo.
Ngale ndlela, kuzokuvumela ukuthi uthathe izingozi ezinkulu Lokho kuze kube manje. Ukufika lapho ukulahleka kwemali kungeke kube yinkinga uma imisebenzi ingathuthuki njengoba ubuhlelile ekuqaleni. Kuzoba ukubuyela emuva okuthile, kepha akukho okunye. Ngenye yezinzuzo okufanele ube nazo uma uthola uKhisimusi omkhulu kulo nyaka. Okungenani uzosebenzela ukujabula futhi uhlole ukuthi iyiphi enye imali ongayithola kusuka ngonyaka olandelayo.
Iziphakamiso ezivuleleke kuwe zinkulu kakhulu. Hhayi ezinkampanini kuphela, kepha kumodeli engaguquki nakwezinye izinhlobo kuze kube manje azibalanga emisebenzini yakho yokutshala imali. Vele, kuzoba yithuba eliyingqayizivele elizoncika enhlanhleni amabhola we-hype azokunikeza ngayo isikhathi salezi zinhlangano ezikhethekile esiqala ngaso. Futhi iyiphi indlela engcono ukwedlula ukuba ngumnqobi nomnqobi weshumi.
Tshala imali kumadiphozi wesikhathi esimisiwe
Uma ufuna inketho yokulondoloza ukuqhubeka nokwandisa umcebo wakho unomunye wabamukeli benani lomklomelo wakho kuma-deposit wakho wesikhathi. Kepha hhayi noma ngubani, kepha imodeli ekhulisa inzuzo yakho. Kungasuselwa kuziphakamiso ezihloselwe amaklayenti amasha futhi zibe nezikhathi ezimfushane kakhulu zokuhola. Phakathi kwezinyanga eziyi-1 nezingu-6 kumafomethi amaningi. Ngenye yezinketho ezimbalwa okufanele ukwandise ukusebenza kwale mikhiqizo yezezimali.
Enye yezinketho eziphephe kunazo zonke futhi eziqinile kunazo zonke okufanele ukwenze umklomelo owutholile ku-Christmas Lottery ube nenzuzo ukuya komunye wemikhiqizo eminingi yezikweletu zomphakathi. Lokhu kuyintandokazi yabasebenzisi abalandela kakhulu. Hhayi ngeze, bayakuvumela ukusebenza okungaguquki futhi okuqinisekisiwe kukho konke ukuvivinya umzimba. Kepha esikhundleni sokubika inani lenzalo ephansi kunezinye izindlela zokutshala imali. Kodwa-ke, kunenkinga enkulu yokuthi yenzelwe amatemu amade kakhulu. Isikhathi esiphakathi kweminyaka eyi-10 nengama-30.
Njengesinqumo sokugcina, ithuba lokutshala yonke imali kwizimali ezihlangene ngokuya ngemali engenayo engaguquki. Ngenzuzo ongayithola ukwehluka okukhulu kwezimali. Njengomphumela walesi sehlakalo, uzokwazi ukuthola amanani aphezulu kuyo yonke iminyaka. Ungayihlanganisa nezinye izimpahla zezezimali ukukhulisa imbuyiselo kumanani atshaliwe kulo mkhiqizo.
Tshala umklomelo emakethe yamasheya
Kunoma ikuphi, uma kunemakethe lapho ungaqhubeka nokwandisa izimpahla zakho, kulula kakhulu. Kanye nokubhekana nezimali, kokubili kuzwelonke nakwamanye amazwe. Kepha ngamasu ahlukile. Enye yezinto ezilula kakhulu yenziwe ngokuthengwa nokuthengiswa kwamasheya. Lapho nje izimakethe zezezimali ziziphatha kahle, ungathuthukisa izikhundla zakho kuze kufike ku-10%. Ngale ndlela, ama-euro angu-320.000 womklomelo wakho izoba yi-32.000 eyengeziwe.
Akukona ukuphela kwendlela onayo ngalezi ziteshi zezezimali. Futhi unethuba lokusebenzisa ukuphepha okuhlala kusabalalisa izinzuzo kubo bonke abaninimasheya. Hhayi ize, izokubika imbuyiselo engaguquki ephakathi kuka-4% no-8%, kuya ngokukhetha okwenzayo. Njalo ngendlela engaguquki futhi eqinisekisiwe, futhi noma ngabe amanani abo aguqukela kanjani ezimakethe zamasheya. Ukukhulisa kancane kancane inhlokodolobha iye emazingeni aphezulu.
Unezinye izindlela, ezinye zazo zinolaka ngokungagwegwesi futhi zingakhuphula ibhalansi ye-akhawunti yakho yokuhlola iye kumazinga ongacabangi. Kulokhu, kungaba yi izimvume, yize uvule izikhundla kule mikhiqizo ngeke ube nenye indlela ngaphandle kokuqongelela ulwazi oluningi ekusebenzeni kwabo. Ungathatha inzuzo ifike kumaphesenti abaluleke kakhulu, uze uphinde uyiphindaphinde imali yakho uma imisebenzi yanelisa kakhulu izintshisekelo zakho.
Ezinye izindlela ezinolaka
Noma kunjalo unezinketho ezinolaka nakakhulu kuya ngomkhiqizo owuqashile. Uneziphakamiso eziningi eziphambi kwakho, zokuthuthukisa kakhulu intengo yelotho kazwelonke. Uma ucabanga ukuthi ukuvela kwemakethe yamasheya ngeke kube kuhle kakhulu, ungasayina ukuthengiswa ngesikweletu. Lapho izinzuzo zenziwa ngokuwa ezimakethe zezimali. Ungathola imali eningi, ukwedlula eminye imiklamo. Kepha futhi, ubungozi ozoba nabo bukhulu kakhulu, kuze kube sezingeni lokuchitha ingxenye yenzuzo etholwe ngama-raffles asemthethweni.
Ukwenza ngokusemthethweni Ukuthengiswa kwezikweletu kumele ube nokuphepha okukhulu kakhulu kuzimo ze-bearish emakethe yamasheya. Uma lokhu kungenjalo, uzobe ungcono ngokugwema ukuvula izikhundla ngokusebenzisa izindlela ezikhethekile zokutshala imali. Kunoma ikuphi, ungaqhubeka nokuzama inhlanhla yakho futhi futhi uphathe ukufinyelela ezinhlosweni oziphishekelayo. Kungumsebenzi okufanele uzindle ngawo ngokujulile ngaphambi kokwenza isinqumo sokugcina.
Elinye ithuluzi elikhulu lobungozi ukuhweba ikusasa emakethe yamasheya. Kungakhuphula nembuyiselo yakho kumazinga angacabangeki kuze kube ezinyangeni ezimbalwa ezedlule. Kepha ngemali eningi ephaketheni lakho ungakwazi ukukhokhela lokhu okunethezeka. Vele, inqobo nje uma unokuqonda okujulile kwesakhiwo sale mikhiqizo yezimali eyinkimbinkimbi futhi ekhethekile. Ingabe usezimeni zekusasa lokuhweba?
Izintshisekelo zikhokhiswa intela
Kunoma ikuphi, kuzodingeka ukuthi wazi ukuthi ukuthola le miklomelo kuzokuthinta kanjani kwezezimali. Ngaphandle kokuthi ungabatshala kanjani imali ngokuzayo. Yebo, futhi ukuze ungabi nankinga nomgcinimafa, ngeke ube nenye indlela ngaphandle kokucela ebhange lakho elijwayelekile incwadi esekelayo efakazela ukuthi inani okufakile ngalesi sizathu kuvela kumklomelo we-lottery.
Umklomelo ungabiwa, futhi lapho kufanele uwucacise enombolweni etholwa ngumnqobi, ungaba nguwe. Kunesinye isici ongeke ukhohlwe ukusenza ngokufanele noma. Akukho okunye ngaphandle uma umklomelo wakho uyi ngokuhlanganyela (futhi hhayi ithikithi noma ishumi elisemthethweni), kuzoba ngumnikazi uqobo ophethe ukwenza le nqubo yokuphatha. Ngoba empeleni, uma kungagunyaziwe, kuzoba ukuphela komnikazi womklomelo. Ngamanye amagama, kuzofanele uthathe ukwelashwa kwentela ukuthola umklomelo. Njengomphumela walesi sehlakalo, kungalimazeka kakhulu yilaba baphathi abangaluleki.
Amathiphu wokutshala imali umklomelo wakho
Uma ungomunye wabanenhlanhla emklomelweni kaKhisimusi, siyakuhalalisela, ngoba uzoba nengxenye yempilo yakho exazululiwe. Kepha uma ufuna ukuyitshala, ungafaka uchungechunge lwemihlahlandlela yezenzo ezizosiza kakhulu ukuqhubeka nokwanda kwemali yakho. Kuzosuselwa kuzincomo ezilandelayo esikuvezela zona ngezansi.
- Omunye wemiphumela yalo mklomelo kaKhisimusi uzoba yilowo ube nenkululeko eyengeziwe yokuzibeka engcupheni amanani aphezulu esiphakamisweni ngasinye osenzayo kusuka ngonyaka ozayo. Noma kungenzeka ucabange ukulahleka okungaba khona ezikhundleni ozivulayo.
- Ungaba ngaphezulu ivulekele kolunye uchungechunge lwemikhiqizo yezezimali, ngisho nakumamodeli anolaka kakhulu angaphinda kabili isikhundla sakho samanje. Kuzodingeka uzihlaziye kuphela bese ukhetha lezo ezifanelana kahle nezimpawu zakho njengomtshali-zimali omncane naphakathi.
- Kuzoba yisikhathi sakho ukubhekana naleyo misebenzi ezimakethe obukade ucabanga kodwa ngenxa yokushoda kwemali ubungeke uzisebenzise. Manje yisikhathi sokuqala kwabo.
- Isimo sakho samanje somnotho sizokuvumela ukuthi wenze imisebenzi eshesha kakhulu, futhi ungavala amadili kusenesikhathi. Kuzoba uphawu olungenakuphikwa ukuthi uzizuzile izinhloso zakho zokutshala imali. Yize usesimweni sokushesha ukunyakaza kuye phezulu kwamathuba akho.