Isikhathi sikaKhisimusi sikhetheke kakhulu kuwo wonke umuntu, futhi kungenzeka kanjani ukuthi sibe ngaphansi nezimakethe zezimali emhlabeni jikelele. Ngenxa yalesi simo, phakathi nalezi zinsuku ezijwayelekile, ngeke ube nenye indlela ngaphandle kokwenza i- isu elihlukile ngokutshalwa kwezimali. Hhayi kuphela emakethe yamasheya, kepha futhi nasezimakethe zemali engenayo engaguquki nakwezinye izindlela.
Ungaba nesikhathi esithe xaxa phakathi nalezi zinsuku ukusisebenzisa kahle isiteshi sakho imisebenzi yezimali. Kepha yini engcono, ukuzama ukuhlaziya nokutadisha ifayili le- izimo zezimakethe zamanje. Ngalo mqondo, izenzo zakho kufanele ziqondiswe futhi zifune izimpahla zezimali ezifanele kakhulu kulowo mzuzu. Akunandaba ukuthi isikhathi sokuhlala sifushane, ngoba okuzobaluleke kakhulu kuzoba imiphumela.
Akufanele uthathwe yinjabulo engokwemvelo yalezi zinsuku zokuphumula. Ngoba uma kunjalo, uzokwazi ukuthola isimanga esingaphezu kwesisodwa esibi esizothinta ibhalansi ye-akhawunti yakho yamanje. Nakanjani uzothola ukusebenza okulungile. Kepha ngaphandle kokukushaya indiva ukuphepha okumele yonke imisebenzi yakho iqondiswe ngesikhathi sikaKhisimusi. Hhayi ngeze, uzophoqeleka ukuphatha ibhalansi ekusebenzeni
Amasu ala masonto
Kulesi sikhathi sithandwa kakhulu yibo bonke, ngeke ube nokhetho ngaphandle kokungenisa uchungechunge lokwenziwa okukhethekile. Eyokuqala ukuthi kufanele wenze imali kuyo imigomo emifushane yokuhlala kunezinye izinkathi zonyaka. Ungakhohlwa ngoba ubhekene nonyaka omusha, futhi awazi nemihlahlandlela ongayithatha kusukela ngoJanuwari
Ngalesi sikhathi samaholide ngeke ube nokhetho ngaphandle kokungenisa eminye imigqa yemidlalo ethile ekhethekile, kanye nesikhathi sonyaka okuso. Kepha izinhloso zakho zizohlala zinjalo. Azikho ezinye ngaphandle kokwenza imali yakho izuze. Futhi kule sizini yonyaka ngesizathu esikhetheke kakhulu lokho ukudala isikhwama sokonga ukuze ubhekane naso izindleko eziningi ozoba nayo ngalezi zinsuku: ukudla komndeni, izipho, izindleko ezingajwayelekile noma uhambo olungajwayelekile nabantu obathandayo.
Ngalezi zizathu, amasu alezi zinsuku kufanele agxile ezikhathini ezifushane kakhulu zokuhlala, futhi nakanjani zikhawulelwe kunezinye izikhathi zonyaka. Okumayelana nokwenza izimali zibe semthethweni kulezi zinsuku. Akukho okunye. Kuzoba nesikhathi sakho sokwenza eminye imisebenzi ehlukile futhi uma ufuna eminye ebanzi kakhulu. Kuzobaluleke kakhulu futhi ukuthi unganikeli yonke imali oyongile kule misebenzi ezimakethe zezimali. Hhayi ngeze, kufanele ube neyodwa imali ethile ku-akhawunti yakho yokuhlola ukuhlangabezana nezindleko ezivame kakhulu ngamaholide kaKhisimusi.
Ungazibeka engcupheni ekusebenzeni kwakho
Ukuze uthuthukise izimpahla zakho, uzokwazi ukuba nolaka oluncane ekusebenzeni kwakho emakethe yamasheya. Kanjani? Kulula kakhulu, ukukuqondisa kumagugu anolaka angaba nempendulo engcono ezimakethe zezezimali. Isizathu sokuthi usebenzise leli qhinga kulula ukusiqonda. Ungasizakala ngemiphumela ye- rally kaKhisimusi lokho kuzothuthuka phakathi nalawa masonto. Njengomphumela wokusebenzisa leli qhinga, inzuzo yakho eyimali izobe iphakeme. Kufike ezingeni lokuqala unyaka omusha ngemali eningi ephaketheni lakho.
Imibandela yokuhlala akufanele idlule amasonto amabili noma amathathu. Ngakho-ke, akufanele uphuthume ukusebenza emakethe yamasheya, kepha landela isiyalo okufanele usilandele. Ukuze lokhu kube njalo, ngeke uze ukhethe ngaphandle kokulungisa intengo yokuthenga. Uma wenza kanjalo, uzobe usuvele unendlela oyisebenzele ukufinyelela izinhloso zakho kulawa maqembu alandelayo. Ukusizakala nganoma yikuphi ukukhuphuka okuphezulu ngamanani ukulungisa izikhundla futhi ujabulele inzuzo ngalezi zinsuku ezikhethekile.
Kunoma ikuphi, kufanele ukhethe amanani ahamba phambili isici sobuchwepheshe ube nalo mzuzu oqondile. Izonikeza ngesiqinisekiso esikhulu sokwenza imisebenzi ngokuvumelana nezifiso zakho. Isidingo esibalulekile sokuthatha izikhundla enkampanini efakwe ohlwini kuzoba ukuthi icwiliswe kwisiteshi se-bullish esiqhathaniswa ngokucacile. Ngale ndlela, kuzoba lula kakhulu kuwe ukuhlangabezana nezinhloso.
Hlukanisa izimali zakho
Esinye isihluthulelo sokwenza imisebenzi enempumelelo ukwabela ukubheja kwakho otshalweni. Ungakhethi ukuphepha okukodwa, ngisho nempahla yezezimali. Kepha ngokuhlukile ungaphambukisela iminikelo yakho kwabanye izimakethe ezihlukile ezinamandla amakhulu. Ngale ndlela, ngaphezu kokushayela okulindelwe ukukhula kwakho, uzokwenza ukuvikeleka kwemali yakho kube namandla kakhulu.
Kungaba yisikhathi esifanele sokuya ezimakethe eziyigugu zensimbi noma zezimpahla ukwengeza inzuzo yakho. Ngokusebenza okufushane, okuqondile nokunemba okuphansi ngokwemali okufanele ubhekane nayo ekuhambeni ngakunye. Akukhona ukuthola izinzuzo ezinkulu esikhathini esimaphakathi nesikhathi eside. Kepha okuphambene impela, kwe yenza imisebenzi ibe nenzuzo ngesikhathi esifushane. Ngalo mqondo, into ebaluleke kakhulu ukwenziwa kube semthethweni kwalezinhlangano ezimakethe ezinenzuzo enkulu.
Futhi awukwazi ukunqumela ukuthatha kancane izikhundla emikhiqizweni yendabuko yemali engenayo emakethwa ngamabhange. Ungabhalisela idiphozi yethemu. Ngokuqondile ukuthi ihlanganisa lesi sikhathi samaholide. Ngaphezu kwalokho, kuzoba yisixazululo kuphela kuwe ukwandisa ukusebenza kwale mikhiqizo yasebhange. Uzoba sesimweni sokusondela emazingeni ezinga lenzalo asondele ku-1%. Ngokubuya okungaguquguquki futhi okuqinisekisiwe ezimweni zonke.
Thola izinzuzo ezisheshayo
Lokhu kufanele kube isu lakho lokutshala imali ngamaholide kaKhisimusi. Azikho ezinye izinhloso ezihilelekile. Uma la maqembu esephelile kuzoba nesikhathi esanele sokuqoqa amanye amasu ahlukene, ngokuqukethwe kwawo nangezikhathi zokugcina ezibhekiswe kuwo. Okwamanje, kufanele ubheke ukuhlaziya le nkathi. Ukuthola amanani angenza kangcono futhi abe namandla amakhulu okwazisa.
Akuyona imfihlo ukuthi kula masonto akhethekile izinhloso kumele ziphakanyiswe ngaphansi kwamasu ahlukene. Ungakhohlwa uma ungafuni ukwenza amaphutha amakhulu enza kube nzima kuwe ukufezekisa izinhloso. Ungavunyelwa nokuthi ube nolaka ngokwengeziwe emisebenzini oyenza ibe semthethweni ngalezo zinsuku. Ayikho enye injongo ngaphandle kokwenza ukulondolozwa kwakho kuzuze ngenkuthalo enkulu. Futhi uma ungakujabulela ukuzuza kwemali kula maqembu, kungcono kakhulu. Kuzoba ngumklomelo wokuzinikela kwakho emkhakheni wezokulingana.
Kulesi simo esithile, ungakhetha amanani anolaka kakhulu. Ukuze ngokukhishwa kwayo okubanzi kakhulu uqede imisebenzi ngaphambi kwesikhathi. Kufanele ugxile kwezinye izinhloso eziphansi, ezingatholwa kusiqeshana esikhona phakathi kuka-5% no-10%. Ukuthi ngokutshalwa kwezimali okuphakathi kwama-euro angama-10.000, kuzosho ukubuyiselwa kwama-euro angama-500 no-1.000 XNUMX. Uma kungenzeka ngesikhathi esifushane kakhulu. Noma nini lapho ukuvela kwamanani kukuvumela.
Yiziphi izindinganiso okufanele uzikhethe?
Ngokomthetho, kungabiza iningi kakhulu, inqobo nje uma izikhathi ezidingekayo zinikezwa ezimakethe zezimali. Ukusekela utshalomali ungaqondisa imali kumanani avela ku ubuchwepheshe obusha. Zifanele kakhulu lezi zimo ezikhetheke kakhulu. Ngesizathu esilula esivela ebukhoneni bayo obukhulu ekunyuseni amaphesenti ezinzuzo zemali.
Kukhona neminye imikhakha elondolozayo engakusikisela kakhulu ukuthi uvule izikhundla ngoKhisimusi. Omunye wabo uvela ingxenye izivakashi. Bangakwazi ukuqoqa ezingcaphunweni zabo inqubekela phambili enhle yezokuvakasha kulesi sikhathi sonyaka. Izindiza, amahhotela, opharetha bezokuvakasha noma amapaki wetimu ezinye zeziphakamiso ezinikezwa yimali emhlabeni jikelele, kufaka phakathi imakethe yamasheya yaseSpain. Ekuthengisweni kwamasheya kuzwelonke, iziphakamiso eziphawuleka kakhulu zithinta i-IAG, Amadeus, NH Hoteles noma uchungechunge lwezindawo zokuhlala eSol Meliá. Bangaba ngomunye wemikhakha ehlomule kakhulu ekusetshenzisweni kwemali ephezulu kwabahambi.
Futhi awukwazi ukukhipha izinkampani ezixhunywe ku- izinto zikanokusho. Ngenye yemikhakha ejwayele ukukhulisa inzuzo yayo emasontweni ehlobo. Ngaphezu kwalokho, bangaphansi kwamanani esitokisi ancintisana kakhulu. Ezimweni eziningi, bakukhuthaza ukuthi uvule izikhundla kwezinye zazo.
Amathiphu okutshala imali ngoKhisimusi
Ukutshala imali ngesikhathi samaholide asebusika kudinga ukuthi unikele ngomugqa ohlukile wesenzo. Njengomphumela walesi simo, kufanele usebenzise ngokunenzuzo amanani aziphatha kangcono ngalezi zinsuku. Isinyathelo esilandelayo sizosuselwa ekwenzeni imisebenzi ngemali engekho kakhulu. Vele, akufanele ushiye i-akhawunti yakho yokuhlola ku-zero. Ama-50% azoba ngaphezu kokwanele maqondana nalokhu kudingwa.
Ngeke ube nokunye ongakwenza ngaphandle kokulungisa amanani entengo nokuthengwa kwamasheya ukuze uhambise ukusebenza. Ngaphezu kwamanye amasu wokulonda kakhulu. Kungasho imali eyengeziwe yokusebenzisa la maholide ngenjabulo enkulu ... ne ephaketheni lamaphepha kakhulus. Ukufeza le njongo, ungakunaki ukuthi ungashiya imingcele yethu ukuhlanganisa iziphakamiso zokutshalwa kwezimali.
Enye yezincomo eziwusizo kakhulu onayo ukubhekana nokunyakaza kwemakethe yamasheya kusuka kusambulela someluleki wakho wokutshala imali ovela ebhange lakho elijwayelekile. Yisevisi yamahhala engakusiza uhlangabezane nezinhloso zamasu akho. Bazokutshela okufanele ukwenze kulawa masonto ngokuya nge- Iphrofayili oyethulayo, kanye namazinga akho okuthatha izingozi ezingalindelekile emisebenzini oyivulayo ekushintshaneni.