Izinga lokwehla kwamandla emali lonyaka endaweni ye-euro lehle laya ku-1% ngoJulayi nonyaka futhi lisezingeni eliphansi kakhulu kusukela ngo-2016, ngokusho kwedatha yakamuva ekhishwe yi-Eurostat. Lapho ukwehla kwamandla emali kungavula khona indlela yenqubomgomo entsha ye-European Central Bank (ECB), umongameli wayo, u-Mario Draghi, asebekhulume ngayo emasontweni adlule. Lesi yisimo esisha esingahle sithinte izimakethe zezimali kusukela manje.
Emavikini ambalwa lapho izinkomba zokulingana zamazwe omhlaba ziwela khona ngenxa yamathuba angaphezu kwangempela wesimo esixegayo emnothweni womhlaba. Ukwehlisela amanani entengo ezokuphepha ezisohlwini futhi kwezinye izimo ngokulahlekelwa okungaphansi kuka-5%. Ngesikhathi lapho sekunabatshalizimali abaningi abancane nabaphakathi asebenqume ukushiya lezi zimpahla zezimali ukuze baphephe.
Ngaphakathi kwalokhu okuqukethwe, izinga lokwehla kwamandla emali lonyaka linganikeza umkhondo wokuthi inqubomgomo yezimali ingahambela kuphi ezinyangeni ezizayo. Kokubili ohlangothini nolunye lwe-Atlantic nalapho abatshalizimali kumele bazi kahle konke okwenzekayo ezinhlakeni ezithatha izinqumo. Ukuze kuthuthukiswe uhlobo oluthile lwecebo lokutshala imali lapho bangenza ukulondolozwa kwabo kube nenzuzo ngeziqinisekiso ezinkulu zempumelelo. Okungukuthi, ngemuva kwakho konke, okunye kokubaluleke kakhulu kwakho ngalesi sikhathi sonyaka.
Izinga lokwehla kwamandla emali ezimpeshenini
Enye yezinto ezibaluleke kakhulu lapho kukhonjiswa khona izinga lokwehla kwamandla emali lonyaka wukukhuliswa kwenani lempesheni yomphakathi. Ngalesi sikhathi, kuhlongozwa ukuthi ukwenyuka kwale mibono yezenhlalo kungenziwa ngaphansi kokunye okuphindwe kabili. Ngakolunye uhlangothi, ngokunyuka kwemali yempesheni ngonyaka ka-0,25%, kanti ngakolunye uhlangothi, ukukhuphuka kuka-0,5% kanye nokukhuphuka kwamandla emali nakho kucatshangwa ezimweni ezinhle kakhulu. Kunoma ikuphi, le pharamitha izobaluleka ngokukhethekile ezigidini zabahola impesheni eSpain. Lapho izinga lokwehla kwamandla emali lonyaka lingadlala indima efanelekile ekukhuleni kwalo.
Ngeke kulibaleke ukuthi abathathe umhlalaphansi babone umholo wabo wanyanga zonke unyuka eminyakeni edlule. Kepha ngokubona kwabo babone ukuthi amandla okuthenga anciphile kanjani ngenxa yokwenyuka kwezindleko zokuphila okuye kwabonakala ngokuvela kwedatha yezinga lokwehla kwamandla emali lonyaka. Ngokuqukatha okuncane kusukela ekuqaleni konyaka futhi lokho kungathinta ukumiswa kwempesheni enikelayo kusukela manje kuqhubeke. Ngomqondo owodwa noma omunye futhi lokho ngeke kwaziwe ngokujulile kuze kube sekupheleni konyaka.
Ukwakheka kwamaholo
Esinye isici lapho izinga lokwehla kwamandla emali lonyaka libonakaliswa ukunquma iholo labasebenzi. Ngisho nokubuyekezwa okuhlangene, usizo lwabangasebenzi, njll. nokuthi bangaletha ukubuyekezwa okuncane maqondana neminyaka edlule. Ngalo mqondo, akungabazeki ukuthi awusebenzi kangako, kodwa ubaluleke ngokulinganayo kubo bonke abasebenzi bezenhlalakahle ezweni lethu. Ngoba empeleni, kungenzeka ukuthi izinga lempilo libize kakhulu futhi lingakhokhi ukukhuphuka kwamaholo abasebenzi. Ngaphandle kolunye uchungechunge lokucatshangelwa okuningiliziwe.
Ngenkathi ngakolunye uhlangothi, asikwazi ukukhohlwa ngalesi sikhathi ukuthi izinga lokwehla kwamandla emali lonyaka lidukisa ingxenye enkulu yabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi umkhuba ongathatha kusuka manje awucaci kahle. Futhi-ke lokhu kudluliselwe ezinqumweni zabo mayelana nokuthi benzeni emakethe noma emakethe yemali engenayo engaguquki. Azicaci kahle okwamanje ukuthi zingazibeka kuphi, zidala ukungabaza okuningi ngalokho okufanele zikwenze ukwenza ngcono ibhalansi yama-akhawunti abo okonga.
Kukuthinta kanjani ukutshalwa kwezimali?
Enye indlela enganikezwa ngezinga lokwehla kwamandla emali unyaka nonyaka lihlobene nezenzo zabatshalizimali abancane nabaphakathi. Ngoba vele kunento eyodwa ecace bha futhi lokho ukuthi uma abathengi benamandla amancane okuthenga bazoba nemali encane yokwenza imisebenzi yabo ezimakethe zezimali. Okusho ukuthi, kuzoba nokuncipha kwempahla ngakho-ke ukunyakaza emakethe yamasheya kuzophumula kulezi zinsuku. Ngalo mqondo, kuliqiniso ukuthi lesi sici singalimaza izimakethe zamasheya, okungenani ezweni lethu.
Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi izinga lokwehla kwamandla emali langaphakathi kwaminyaka yonke lingabaluleka kakhulu ekwenzeni inqubomgomo yezomnotho yezwe noma yendawo ethile. Ngenxa yalesi sizathu, kunconywa kakhulu ukuthi abatshalizimali abancane nabaphakathi bayazi imininingwane yale pharamitha yezomnotho ukuze bakwazi ukwenza izinqumo zabo ezimakethe zezimali. Yize kunganqumi ngokuphelele, uma okungenani ukuyixabisa ngesikhathi sokwenza iphothifoliyo elandelayo yokutshala imali. Ngisho nokubheka ukuthi kungcono yini ukuvula izikhundla ngamanani noma ngokuphambene nokugxilile noma kwezinye izikhundla.
Imikhakha lapho kufanele ibekwe khona
Ekuqaleni, izinga lokwehla kwamandla emali unyaka nonyaka akumele libe nomthelela wokuthi imiphi imikhakha yemakethe yamasheya okufanele iqondise kulondolozo lwethu. Akuyona into ecacile yokuhlaziya, ingasaphathwa eyokusebenza kwasekhaya emakethe yamasheya. Uma kungenjalo, kunalokho, basebenzela ukulawula ezinye izinhlobo zezinyathelo zezomnotho. Futhi yilapho-ke lapho kuzofanele siguqule amasu ethu abe wutshalomali kusuka manje kuqhubeke. Ngethuba langempela lokuthi kufanele siguqule izimali zethu ekufuneni ukuphepha okukhulu kumafa wezezimali. Akumangalisi ukuthi ubudlelwane nezwe eliyinkimbinkimbi lemali bekulokhu kushintsha kakhulu.
Ngenkathi ngakolunye uhlangothi, futhi yisikhathi sokugcizelela ukuthi izinga lokwehla kwamandla emali lonyaka lingakhombisa isikhathi sokuhlangana emnothweni wezwe. Kepha yilokho nje futhi okunye okubonakaliswayo emsebenzini wokukhiqiza wezinkampani ezibalwe ezimakethe zezimali. Lesi yisici ongeke ukhethe ngaphandle kokusobala ukuze ungenzi amaphutha ekusebenzeni kwakho emakethe yamasheya.
Ukwehla kwamandla emali njengengxenye yokuhlaziywa
Ngalo mqondo, kufanele isetshenziswe njengento yokuhlaziya, kepha ingasekho. Izinqumo zakho zokutshala imali kufanele zisuselwe kumapharamitha ngaphandle kwalelo nani lokwehla kwamandla emali lonyaka nonyaka. Njengoba abahlaziyi abaningi bezezimali bekhombisa. Ukuze ngale ndlela, usesimweni esihle kakhulu sokwenza imali yakho noma izimpahla zakho zenze inzuzo. Okwamanje sibheke kwikota yokugcina yonyaka, ukungabaza okuhlasela abatshalizimali kukhulu futhi kwehlukene ngokwemvelo kanti okunye kwakho kungaba idatha yamanani emali yonyaka, yize isezingeni elincane kuneminye imingcele yezomnotho.
Lapho okubaluleke kakhulu ukwazi ukuthi ungawakhetha kanjani kahle amanani wemakethe yamasheya kunezinye izinhlobo zokucatshangelwa kwamasu. Kusekupheleni kosuku okuzocacisa impumelelo noma cha yokusebenza ezimakethe zezimali. Futhi ngakho-ke kufanele kube umgomo wakho olandelayo.
Ukuvela kwaminyaka yonke kwamanani wabathengi
Izinga lonyaka le-Consumer Price Index (CPI) yangoJulayi lingu-0,5%, okuyisilinganiso esisodwa seshumi kunaleso esibhaliswe ngenyanga edlule. Amaqembu anethonya elikhulu ekwenyukeni kwezinga lonyaka yilawa: ukudla neziphuzo ezingadakwa, okuyi irejista ukwehluka okungu-0,9%, izishumi ezine ngaphezulu kwenyanga eyedlule, ngenxa yokuvela kwamanani entengo yezithelo, eyehle kancane kule nyanga kunalokho okwenzeka ngoJulayi 2018. Ezokuthutha, ezikhuphule izinga lazo lonyaka ezinhlanu, kuya ku-0,5, XNUMX%, ngenxa iqiniso lokuthi amanani kaphethiloli kanye nezinto zokuthambisa anyukile kule nyanga, ngenkathi zehla ngonyaka odlule.
Ngakolunye uhlangothi, phakathi kwamaqembu anethonya elibi, izindlu zigqamile, ngokuhluka okungu -1,7%, okubili okweshumi ngaphansi kukaJuni. Lokhu kuziphatha kubangelwa wukuzinza kwamanani kagesi abhaliswe kule nyanga, uma kuqhathaniswa nokwenyuka konyaka owedlule. Kumele futhi kuphawulwe, yize kwenzeka ngakolunye uhlangothi, ukuthi amanani kagesi akhuphuke kule nyanga ngaphezu kukaJulayi 2018. Ngakolunye uhlangothi, amahhotela, amathilomu nezindawo zokudlela, isilinganiso sazo sehle kabili kokuyishumi futhi sema kuma-2,0%, ikakhulu ngenxa yalokho yokuthi amanani entengo ezinsiza zokuhlala akhuphuke kancane kule nyanga kunango-2018.
Mayelana ne-Index evumelanisiwe yamanani wabathengi (i-HICP), imininingwane yakamuva evela ku-INE kumele ikhombise ukuthi ngoJulayi izinga lokushintshana lonyaka le-HICP belimi ku-0,6%, okufana nalokho okubhaliswe ngenyanga edlule. Lapho ekugcineni, ukwehluka nyangazonke kwe-HICP kungu -1,1%, njengento ebaluleke kakhulu.