Elinye lamagama elizwakala kakhulu ngezwe lelo ukusilela komphakathi. Lokhu akukuhle uma kuphezulu kakhulu, ngoba kuzokhombisa ukuthi izindleko zidlula imali engenayo ezweni, okuba nemiphumela emibi.
Kodwa, Kuyini ngempela ukusilela komphakathi? Njengoba kukalwa? Kusithinta kanjani? Uma uke wazibuza konke lokhu, lapho-ke sizogxila kule nkomba esiza ukwazi ukuthi ngabe izwe lenza kahle yini noma uma kunezinkinga emnothweni walo.
Yini ukusilela komphakathi
Indlela elula yokuchaza ukusilela komphakathi ngesibonelo. Cabanga ukuthi izwe liqala ukusebenzisa imali engaphezulu kwalapho lingena. Isibonelo, uma ufaka i-1 million euro, izindleko zakho ziyizigidi ezimbili. Lokho ukusetshenziswa kwemali eyengeziwe kusho ukuthi unezikweletu, futhi kufanele ukhokhe labo abakweleta imali, ngakho-ke sebenzisa amathuluzi wokuqongelela leyo mali, kungaba ngemalimboleko noma ngamanye amafomula. Kepha, uma imali ihlala iphezulu, ayisoze yakwazi ukuqeda ukusilela kwayo futhi, ngokuhamba kwesikhathi, izwe liba mpofu futhi kuya kuba nzima ukuthola imali.
Igama eliphikisanayo kungaba yinsalela yomphakathi, okusho ukuthi imali engenayo iphezulu kunezindleko, okusho ukuthi, unemali ongayisebenzisa noma oyitshale. Iqiniso ukuthi akulula ukuthola izibonelo zalokhu, kepha kunamazwe anokushoda komphakathi okuphansi kakhulu.
Ukushoda komphakathi eSpain
Endabeni yeSpain, ukusilela komphakathi kuphezulu impela. Ngokusho Idatha ye-2020, i-10,97% ye-GDP ifinyelelwe, okuthe, sakuqhathanisa nokwamanye amazwe, ngalowo nyaka sasisesikhundleni 175 emazweni ayi-190.
Kuhilelani lokho? Yebo, siphakathi kwezikhundla zokugcina esimweni esiyinkinga. Sesisukile ekubeni nokushoda kwezigidi ezingama-35637 saya ekushodweni kwezigidi eziyi-123072, obe kukhuphuke kakhulu, ngokwengxenye kubhebhethekiswe yinkinga yobhadane.
Ukushoda komphakathi nezikweletu zomphakathi
Abaningi benza iphutha ngokucabanga ukuthi ukusilela komphakathi nezikweletu zomphakathi kuyefana, kanti empeleni akunjalo. Umehluko omkhulu phakathi kwamagama amabili ukuthi ukusilela komphakathi kubhekwa njengokuguquguquka kokugeleza, ngenkathi isikweletu somphakathi sizohluka ngokuguquguquka kwesitoko.
Kusho ukuthini lokhu? Yebo, ukusilela komphakathi ngumehluko phakathi kwemali engenayo nezindleko esikhathini esinikeziwe; ngenkathi isikweletu somphakathi kungaba yimali enqwabelene eyenziwe ukukhokhela ukusilela komphakathi. Ngamanye amagama, yilokho okukweletwa abanye abasiboleke ukuze bakwazi ukuhlangabezana nokukhokhwa kwezindleko ezingeziwe abanazo.
Ibalwa kanjani
Lapho kubalwa ukusilela komphakathi, kukhona izinkomba ezintathu ezibaluleke kakhulu ezinomthelela: imali engenayo yezwe, izindleko zalokhu, kanye ne-GDP. Zonke kufanele zisungulwe ngesikhathi esifanayo, okuvame ukuba unyaka owodwa.
Ifomula kungaba okulandelayo:
Ukusilela komphakathi = imali engenayo - izindleko.
Manje, kungani kufanele kubhekwe i-GDP? Ngoba ungenza umthetho wezinto ezintathu. Uma i-100% ibizoba yi-GDP, ukusilela komphakathi kungaba yi-x% ye-GDP. Isibonelo, ake ucabange ukuthi une-1000000 GDP, nokuthi ukusilela kwakho emphakathini kube ngu-100000.
Ngale mithetho emithathu, ukusilela komphakathi kungaba yi-10% ye-GDP.
Uyikhipha kanjani imali
Izwe linezindlela zokuxhasa ukusilela kwalo emphakathini. Phakathi kwazo kukhona:
- Ukukhulisa izintela. Inhloso yakho ukukhulisa imali eningi ukukhokhela izindleko zakho. Inkinga ukuthi lokhu kuwela ngqo kubahlali bezwe, okusho ukuthi balahlekelwa yimali ethe xaxa futhi nekhwalithi yempilo yabo iyahlupheka. Ngalesi sizathu, abaningi banquma ukushiya izwe.
- Khipha enye imali. Lokhu akujwayelekile ngoba kungasho ukuthi kukhona ukwehla kwemali, futhi kuyimbi, kepha kuyindlela esetshenziswa emazweni angathuthukile kangako.
- Khipha isikweletu somphakathi. Yilokho okwenziwa kakhulu. Kumayelana nokufaka amabhondi kahulumeni nezikweletu zikahulumeni ezimakethe ukuze abatshalizimali bakwazi ukuzithenga, ngaleyo ndlela, bathole imali yokukhokha izikweletu abanazo. Inkinga ukuthi, uma ikhula iba nkulu, ekugcineni akunakwenzeka ukubuyisa imali "ebolekiwe".
Noma iyiphi yalezi zindlela ingaba nemiphumela emibi emikhakheni yezomnotho; Ngalesi sizathu, isinqumo kufanele sithathwe ngendlela efundwe kakhulu ukuze ingalimazi kakhulu.
Ukuthi ukusilela komphakathi kusithinta kanjani
Ukuqonda ukusilela komphakathi akukho okungcono kunesibonelo. Cabanga ukuthi uneholo lanyanga zonke lama-euro angama-1000. Nezinye izindleko zama-euro angama-2000. Lokho kusho ukuthi ukweleta i-1000 euros, ongenayo, kumshwalense, ukudla, njll. Ngakho-ke, okwenzayo cela umngani, isihlobo, lawo ma-euro ayi-1000.
Ngenyanga elandelayo, buyela entweni efanayo, bese ubuza lowo muntu amanye ama-euro ayi-1000. Lokho kusho ukuthi usevele umkweleta u-2000 XNUMX, kepha kuthiwani uma bekukhona nenzalo? Kungaba okuningi kakhulu. Uma lokhu kuqhubeka, ekugcineni uzomkweleta imali enkulu ongeke ukwazi ukuyikhokha ngoba, uma uqhubeka nokwenza okufanayo, ngeke wehlise izindleko, futhi uma ungafuni enye imali, akasoze aqeda ukukhokha isikweletu.
Kwakuyohlanganisani? Yebo, kuzoba nesikhathi lapho lowo muntu engasayikukukhokhela ngaphezulu. Awukwazanga ukukhokha noma ngubani, kuzofanela ushintshe indlela ophila ngayo ukuze uphile, uye kokubi kakhulu, okungenani isikhashana.
Kahle Kuyafana futhi nasemazweni lapho ukusilela kwabo emphakathini kuphezulu kakhulu; ikhwalithi yempilo yabantu iyathinteka futhi izwe liba nezikweletu eziningi ngokwengeziwe, lifike ngesikhathi lapho lingeke liqhubeke khona, futhi kulapho-ke lapho kufanele balihlenge (noma baliyeke life).
Yize kunezinye izinto eziningi futhi konke akunamandla kangako, unokulinganiselwa kokuqala kokuthi iyini inkinga yomphakathi nokuthi kusho ukuthini ezweni ukuthi libe phezulu kakhulu. Ngakho-ke, enye yezinhloso zoMbuso kufanele kube ukuyinciphisa ngangokunokwenzeka, futhi ngokushesha okukhulu, ukugwema izinkinga nemiphumela emikhulu engeke ibe mihle kunoma yikuphi.