Izabelo ziyingxenye yomholo kubaninimasheya ukuthi izinkampani eziningi ezibalwe zabelana ngenzuzo yazo. Kuyindlela yokuvuza nokusabalalisa izinzuzo phakathi kwalabo abaneziqu zenkampani. Kodwa-ke, kunamaphrofayili ahlukene wabatshalizimali, ukuthi izinhlobo ezahlukene zabantu zikhona kanjani. Umbuzo abaningi abawubuzayo uthi wenzeni ngezinzuzo abazothola. Elinye lamathuba adume kakhulu ukubuyiselwa kwezabelo.
Chaza ukuthi uluhlobo luni lwephrofayili yabatshalizimaliNoma ngabe uhamba isikhathi eside noma esifushane, noma uma usekwenzeni okukuthokozisayo noma cha, lena yimibuzo okufanele iphendulwe. Ngalokhu, uzokwazi ukwenza izinqumo ezingcono zokuthi ungaziphatha kanjani izimbuyiselo ezitholwe yizabelo. Kwesinye isikhathi, ngeke kube yisimo somuntu siqu esifanayo, izifiso, izidingo noma okungaphezu kokwakho… ukwethemba onakho enkampanini. Kuzoba nezikhathi lapho kuzoba mnandi kakhulu noma kancane ukutshala imali kuso, futhi wenze ibhalansi enhle ezinhlosweni zakho, kuzokuyisa ohlangothini olufunayo.
Umphumela "wenzalo eyinhlanganisela"
Omunye wemiphumela esingayibona esikhathini esizayo ngemuva kokuphinda kutholakale izinzuzo yilokho kwenzalo ehlanganisiwe. Lolu hlobo lotshalo-mali lususelwa kumqondo wokungeza inzalo ekhiqizwe enhlokodolobha ebinayo. Ngale ndlela, ngonyaka ozayo inzuzo ayitholakali kuphela enhlokodolobha efanayo, kodwa ivela enhlokodolobha kanye nenzalo. Imbuyiselo isiyonke iphakame kancane, futhi ukuqhubekisela phambili lolu hlobo lokutshala imali esikhathini eside kuvame ukuletha izinzuzo eziningi kunokuba, uma kunalokho, singalokothi sandise imali eyanikelwa ekuqaleni.
Futhi okwaziwa ngezilimi zomgwaqo njenge- "snowball effect." Isisekelo saso sisekelwe ekufaniseni okubhekisela ekuphonseni phansi kwe-snowball. Ekuqaleni, izobamba ama-flakes ambalwa kakhulu njengoba kuyibhola elincane. Lapho ibhola lehla, lizokhula futhi likhule ngosayizi. Ekugcineni, kuzoba neqhwa elikhulu kakhulu.
Ukuthola umbono ngomehluko ongatholwa ngokutshala imali kabusha, singacabanga ukuvela kwezinhlobo ezahlukene zamaphothifoliyo. Kuzoba khona abanye abanenzuzo ephansi, enye enezinkampani ezinenzuzo ephezulu, njll. Ake sibone ukuthi iyiphi inzuzo engatholwa ngezinzuzo eziguqukayo, ezinye ngaphandle kokuphinda zitshale kabusha, kanti ezinye zivuna kabusha. Lo mfana oneminyaka engama-30 usemfundweni kuphela, ngomqondo wokuthi ngezikhathi ezingavamile utshalomali luyoba lude kangako, kodwa lusebenza ekubhekaneni noshintsho olwenzekayo.
Umehluko olinganiselwayo phakathi kwezinzuzo ezingavuniwe
Esithombeni ungabona umehluko esikhathini eside enhlokodolobha yokuqala. Kusukela ekutshalweni kwama-euro ayi-10.000 isibonelo, sithola izimo ezimbili ezihlukile eziphawulekayo. Isimo sokuqala lapho ukuqoqwa kwezabelo kungaphinde kubuyiswe, nesimo sesibili lapho kubuyiselwa khona. Ezimweni zombili kucatshangwa ukuthi amasheya abanjelwe eminyakeni edlule, ngaphandle kwalokho ukuqoqwa kwezabelo bekungeke kwenzeke.
- Izabelo ku-2%. Njengoba kuyisabelo esiphansi kunawo wonke, umehluko esingabona wona esikhathini eside mncane kakhulu. Noma kunjalo, kunomehluko omncane ngemuva kweminyaka engama-30. Ama-euro ayizigidi ezingama-16.000 uma kungekho lutho oluye lwabuyiselwa imali, laya kuma-euro ayi-18.113 uma kwenzeka kuphinda kubuyiselwa imali eyinzuzo.
- Izabelo ku-4%. Ku-4% sesivele sikhuluma ngomehluko ophawulekayo. Ngemuva kweminyaka engama-30, onhlokodolobha abafanele bazoba ama-euro ayi-22.000 angabuyiswanga kabusha uma kuqhathaniswa nama-euro ayizi-32.433 uma kwenzeka kubuyiselwa imali.
- Izabelo ku-6%. Yebo, ukuthola lezi zimbuyiselo akujwayelekile, futhi ezimweni ezingavamile kungenzeka. Noma kunjalo, kunezinkampani ezinenzuzo enkulu. Kulezi zimo, futhi uma le miholo "iqhutshwa phambili", singazithola sesinephothifoliyo eminyakeni engama-30 ebingaqoqa ama-euro angama-28.000 uma ingabuyiselwa imali, uma kuqhathaniswa nenye engu-57.435 ebingabuyiselwa.
Lapho ukuvuselelwa kwezabelo kungeyona inketho enhle
Amathuba esingakhetha kuwo amaningi. Kwesinye isikhathi ngenxa yezimo zomuntu siqu noma ezinye izimakethe. Izabelo zihlinzeka ngemali ethile, kodwa ukuphinda utshale leyo mali kuzoba yisinqumo okufanele usenze ngokuya ngezimo ezingavela. Ezimweni ezilandelayo ungabona ukuthi yini nokuthi kungani kungakuhle ukuthi ungabuyiseli imbuyiselo etholwe enkampanini efanayo.
- Isidingo sezimali. Ukulindela izindleko ezingaba khona nokungabi nayo imali eyanele etholakalayo kungaba izizathu zokukhetha le nketho. Akekho onentshisekelo yokuthatha imalimboleko ngamaphesenti aphezulu kunaleyo eyatholakala. Kungaba mqondo muni ukuchitha kumaphesenti aphezulu wenzalo kunokukhokhiswa?
- Izimo zemakethe azilungile. Kungenzeka ekugcineni ukuthi imakethe ibhekwe njengeyabizayo, futhi ayikho indawo yokuyibuyisa. Yize ama-simulators akhombisa ukuthi ukuwafaka kabusha kungukwanda kwemali esikhathini eside, sonke siyazi ukuthi ukuthenga ngezikhathi ezibizayo akuwona umqondo omuhle. Umbandela wokunquma ukuthi ingabe imakethe iyabiza noma ishibhile vele isivele ingawela ngaphakathi kwendlela ethile yokuhlaziya eyenziwa umtshali-zimali ngamunye.
- Kunezinkampani ezikhangayo ongatshala kuzo imali. Akuwona umqondo omuhle ngaso sonke isikhathi ukuthola izinzuzo enkampanini efanayo esizithola kuyo. Isibonelo esijwayelekile, lapho izinzuzo eziningi zisatshalaliswa kunezinzuzo ezitholiwe. Okusho ukuthi, inkokhelo enkulu kune-100%. Ukucinga ezinye izinkampani "ezikhangayo" kungenye indlela.
- Akucaci ukuthi yini okufanele yenziwe. Ukuqaphela ukuthi kunokungaqiniseki okuthile akukubi. Into yokujaha kungaba ukungena ku "okuthile okumele kwenziwe." Ukungenzi lutho nakho kuyisinqumo, futhi kwesinye isikhathi kuzofanele kwenziwe. Ngokushesha noma kamuva isikhathi sihlala sifika lapho kunethuba khona, futhi esimweni esibi kakhulu, kuzoba nokuthengiswa kwezidingo ezingatholwa.
Iziphetho
Ukutshalwa kabusha kwezabelo inqobo nje uma sinemali enkulu futhi intshisekelo yethu ukuyikhulisa, kuzoba inketho enhle ngokuhamba kwesikhathi. Sibonile ukuthi ukwanda ngeke kuhlale kubonakala, kepha kuzohlala njalo. Ngaphezu kwalokho, Ukuchaza izinhloso, ukuhlaziya izimo kanye nokunakekela izidingo zomuntu siqu kuzobaluleka ekwenzeni izinqumo. Uma ukuphathwa kahle kwemali kwenziwa kahle, kuzoholela ekwandeni kwako.
Uma unentshisekelo yokwazi izinkampani eziphakamisa isabelo kulo nyaka, ungakhohlwa ukuvakashela ikhasi elilandelayo!
