Ngabe ufuna ukwenza uhlelo lwezezimali? Bhalisa eminye imibono

uhlelo lwezezimali Enye yezinhloso eziyinhloko zanoma yimuphi umtshali-zimali, njengoba ngokuqinisekile kuzoba njalo kuwe, ngokungangabazeki ukwenza uhlelo lwezezimali ngokusebenza kahle okukhulu. Kuyisu elidinga ulwazi oluningi ohlangothini lwakho. Kepha ngesinqumo sokukwenza ngokunemba okuhle. Hhayi ngeze, lo mugqa wesenzo uzoncika kwifayela le- isimo sama-akhawunti akho eminyakeni embalwa ezayo. Ngisho nokuhlala ngendlela ekhululeke kakhulu kunakuqala.

Vele, ingxenye enkulu yomphakathi waseSpain idinga ukuthuthukisa uhlelo lwezezimali olungokoqobo, futhi uma kungenzeka lunganikeza ukuphepha kwakho Iphothifoliyo yokutshalwa kwezimali. Ngoba kuzodingeka ukuthi ukwazi lokho ayikwazi ukunqunyelwa kwimpahla eyodwa yezezimali. Kepha kuya kokuningana nakwezemvelo ezahlukahlukene, ngisho nakwezinye izinhlobo ukuthi kuze kube manje ubungakucabangi ukuthatha izikhundla. Ukwanelisa lesi sidingo esilindelwe isikhathi eside, uzoba nochungechunge lwamasu angasiza kakhulu ukufeza lezi zinhloso ozihlongozayo ngokujwayelekile.

Ngoba empeleni, imibuzo ozozibuza yona ukuthi ungaqala kanjani ukukhuthaza uhlelo lwezezimali. Ukukusiza ukuthi uthuthukise lezi zenzo, sizokunikeza imibono ezosebenza kakhulu ebudlelwaneni bakho nezimakethe zezimali. Hhayi kuphela kumholo ohleliwe, kepha futhi kusuka kokuguqukayo, amamodeli wemali noma ezinye izindlela ezingokoqobo ezikhona ekunikezelweni kwamanje kwebhange. Uzoba neziphakamiso ezingaphezu kwesisodwa ukuze ungakhawuleli ukusebenza kwakho esigabeni esisodwa samasu okutshala imali.

Uhlelo lwezezimali: kungani lwenza?

impesheni Le nkinga izoxazululwa yisidingo esivele sikhona sokuba nebhange lokonga elinamandla eminyakeni ezayo. Noma ungaphezu kuka-40 ngenhloso ehlukile. Ayikho enye ngaphandle kokukhonza ukuze ukwazi ukubhekana nesigaba se- umhlalaphansi ngokukhululeka okukhulu kwezomnotho ngalesi sikhathi lapho uzolahlekelwa khona yisikhundla sesisebenzi esisebenzayo. Kungenziwa ngephrofayili yabatshalizimali abancane, abanolaka noma abaphakathi. Ukulingana zonke izidingo zakho.

Kunezinto eziningi ezingenzeka isikhathi eside. Kusukela okungabantu uqobo: isimo sokungasebenzi, izingozi zomsebenzi noma zona kanye izimo zezimakethe zezimali. Kuzothakazelisa kakhulu ngawe ukuthi uzibekele imigomo eyiqiniso futhi engahlangatshezwa ngaphandle kobunzima obuningi. Akunjalo, ngaphansi kwezindlela ezingenangqondo kakhulu nokuthi ngaphezu kokukusiza, abangakwenza kukulimaze ekusebenzeni ozokungenisa kusuka manje kuqhubeke.

Lapho into eyinkimbinkimbi kakhulu izosuselwa ekuqaliseni ngendlela ewusizo kakhulu ukuvikela izintshisekelo zakho ezimakethe zezimali. Ungacabangani ngokubuya okumaphakathi nokulungisiwe okungaba ngu-5% minyaka yonke? Akunakwenzeka nhlobo. Ikakhulukazi uma ushaya ukhiye ofanele no amandla aphezulu okunengqondo ngokwanele ukuhlangabezana nezinhloso zakho eziseduze kakhulu. Sizokuphakamisa omunye umqondo ukuze ukwazi ukusebenza nganoma iyiphi impahla yezezimali.

Ngakha icebo ngesinqumo

Izinyathelo zokuqala zizoba nokuklama ukuthi yiliphi igama langempela lotshalo-mali. Ngokuya ngokuhlukahluka, ungakhetha isu elilodwa noma elinye lokuxhumanisa nezimpahla zezimali. Kungaba njalo isikhathi esifushane, isikhathi esiyiminyaka emibili, emithathu noma kuze kufike kwemihlanu noma ukugcwalisa impesheni ozoyithola lapho usuthatha umhlalaphansi. Ukuzibuza ngesinqumo esihle ukuthi yini imithombo yemali engenayo nezindleko. Ukuze ngale ndlela, usesimweni esihle kakhulu ukukhetha usuku olulodwa noma olunye. Kuzoba isandulela salokho okuzokwenzeka kusukela kulo mzuzu onembile.

Ukwenza ikhathalogu yonke imithombo yakho yemali engenayo kuzodinga ukuthi unikele isikhathi esithile ukufeza lo msebenzi obalulekile. Vele kuzodingeka impela lokho bala imali engenayo okuvela emthonjeni ongahlangene nokutshalwa kwemali kwakho. Kungaba yimisebenzi eyengeziwe onayo ngalesi sikhathi, noma yiliphi ibhizinisi, noma enye imali engenayo evela kwilungu lomndeni wakho. Futhi njengengxenye eyaziwayo encane iqhamuka njengefa noma ngumuntu onenhlanhla ukuthola umklomelo emidlalweni yenhlanhla.

Ngeke ube nokunye ongakwenza ngaphandle kokuzikhipha ezindlekweni okufanele uzithwale emnothweni wakho wasekhaya. Kusuka kumarisidi ezinsiza ezisemqoka nezinsizakusebenza zokuminza ziye kokubi kakhulu. Lapho kufakwa khona intela, umshwalense nezinye izindleko ezingabonwanga kusabelomali sakho noma somndeni. Ngalezi zibalo ezilula uzobe usunayo imali ongayisebenzisa ekutshaleni kwakho imali, noma ikakhulukazi qalisa ngokuphelele uhlelo lwezezimali oludingayo. Hhayi ngeze, uzokuqondisa kuphi ukusebenza kwakho okusondele kakhulu.

Yiziphi izidingo onazo?

Isinyathelo esilandelayo kulezi zenzo kufanele sisekelwe ikakhulu ku chaza ngokucaca kwekristalu ukuthi ziyini izinhloso zakho. Ngoba empeleni, esimweni ngasinye bazohlukahluka futhi baphikiswe ngandlela thile. Ungakhetha kusuka kumodeli onolaka ngempela kwabanye ngezindlela eziqukethwe. Yize kuzona zozimbili lezi zinhloso, ngenhloso efanayo okungeyona enye ngaphandle kokwenza ukonga kube nenzuzo ngaphansi kwenzuzo enkulu kakhulu. Yize kuliqiniso ukuthi kuzimo ezithile, kuzoba ngumsebenzi onzima ukuwuxazulula. Ikakhulukazi ezimweni ezingezinhle kakhulu ngenxa yezimakethe zokulingana. Ngezikhathi ezinokungabaza okuningi ngalokho okufanele ukwenze ngempela.

Ngaphambi kokuqala ukulungiselela uhlelo lwezezimali, kuzokusiza kakhulu njengoba unakho imininingwane engaphezulu kumikhiqizo yezezimali, aba maningi amathuba okuba nokuhlaziywa okungokoqobo kwezimali okufanele uzisebenzise kusukela kulo mzuzu kuqhubeke. Ukwazi ngaso sonke isikhathi ukuthi ayikho imodeli yokonga ephephile. Kufanele wazi ukuthi izimo ziyashintsha, futhi-ke, ikakhulukazi ezimakethe nasezimpahla zezimali. Ngalesi sizathu, kuphoqeleke ngokuphelele ukuthi ubuyekeze futhi uvuselele izinhlelo zezezimali ngezikhathi ezithile. Vele, kuzoba isu elilunge kunazo zonke ukuvikela imali yakho ngempumelelo enkulu.

Ukuchazwa kohlelo lwezezimali

ukuthuthukiswa Uma usunohlelo lwezezimali, yazi ukuthi izinselelo azikapheli. Kepha kusasele indlela ende okufanele uyenze ukufinyelela izinhloso zakho eziseduze kakhulu. Ukuze lokhu kube njalo, ngeke kube khona okunye ongakwenza ngaphandle kokugcina ukunakwa njalo nokuqondiswa ubugwegwe ukusebenzisa izinyathelo ozozisebenzisa ukwenza ngcono inhlokodolobha yakho. Ngokulandelela ukulandelela okuqhubekayo nokukhuzile ukunyakaza okuthole izinkontileka ngezimpahla zezimali. Lokho wukuthi, ngokubandakanyeka okukhulu kukho konke ukunyakaza okuvulile. Ikakhulukazi uma zihloselwe amatemu amafushane.

Uma, ngokuphambene nalokho, inhloso yakho ukudala isikhwama sokonga ukuze sitholakale lapho kufika umhlalaphansi wakho, lapho-ke kuzobaluleke kakhulu ukuthi ubuke umehluko phakathi kweholo lakho nezindleko zakho ukwaba konke okusele utshalomali. Yize kungadingeki ukuthi kube yilo lonke inani elivela kulo msebenzi. Ungatshala ingxenye encane, kuya ngezidingo onazo ngaleso sikhathi. Ngeke kuhlale kufana ngoba isimo sakho sezezimali singashintsha noma kunini. Ngale ndlela, kuzobaluleke kakhulu ukuthi ungazilungisa ngokuya ngesimo se-akhawunti yakho yokuhlola.

Ngeke kube khona okunye ongakwenza ngaphandle kokuhlangabezana nochungechunge lwezidingo uma ufuna ukuhlangabezana nezinhloso ezibekiwe kusukela ekuqaleni kwenqubo. Uma kuyisixhumanisi semali engenayo engaguquki, ama-equities, imikhiqizo yezimali, njll. Ngoba empeleni, ngamunye wabo uzohlinzeka ngezinqubo zakhe zokutshala imali. Zonke lezi zinto eziguqukayo zikhomba ukuthi kufanele unikeze imisebenzi ngokuguquguquka okukhulu kusuka kumodeli yotshalo-mali ebizwa njengempahla. Lokho, kuguqulelwe kuzo zonke izimo zezimakethe ezehlukene zezezimali.

Okhiye bokugcina isu

okhiye Kunoma ikuphi, kuzohlala kusiza uma unayo izinhloso eziphansi kusukela ekubekeni kwemali yakho etholakalayo. Ukukusiza kulo msebenzi, sikunikeza ngemibono embalwa ezoba usizo kakhulu ukuyisebenzisa. Njengokulandelayo esikudalula kuwe ngezansi.

  1. La ubudala kuzoba yinto ebaluleke kakhulu ekulungiseleleni iminikelo yakho ohlelweni lwezezimali. Lapho uqala khona ekuqaleni, uzoba nemali eningi ku-akhawunti yakho yokuhlola eminyakeni edlule.
  2. Ungakhetha izinhlelo zokulingana uma ungakhathazeki thatha ingozi. Akumangalisi ukuthi kuyisu elihle kakhulu lokukhulisa imali. Ngaphezulu kwamanye amamodeli wezezimali.
  3. Ukuthuthukisa uhlelo lwezezimali kufanele lindela izindleko ozoba nayo eminyakeni embalwa ezayo. Ukugwema noma yisiphi isimo esingafuneki lapho ungenayo imali eyanele yokubhekana naso.
  4. Umqondo wokukhetha eyodwa ungahlala uthakazelisa Inzuzo eqinisekisiwe. Ukuze ngale ndlela, uhlale unikela ngezinsizakusebenza ezithile kulondolozo lwakho futhi ngaphandle kwengozi ohlangothini lwakho.
  5. Ungazibuza phuma uye kwezinye izimakethe zezezimali lapho kungaba nenzuzo enkulu ukutshala imali oyongile. Kepha kuzodingeka kakhulu ukuthi uzazise ngamakhomishini abalamuli bezezimali abasebenza kuwe.
  6. Kufanele ucace bha ukuthi ukuhlela imali oyilondolozile eminyakeni embalwa ezayo akufani nokukhetha i- kuhlelela umhlalaphansi wakho. Akumangalisi ukuthi ngamasu ahluke ngokuphelele azodinga izinqubo ezehlukene zezezimali.
  7. Hhayi ngoba uhlela uhlelo lwezezimali kufanele ukhiqize inzuzo. Ngoba impela, kungenzeka lokho imiphumela ayiveli futhi ungalahlekelwa yimali kule misebenzi. Njengesibonelo, kuzimo ezithile zezomnotho.

Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe.

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.