Abasebenzi bangakuvulela iminyango eminingi, uyazi kanjani?

Ngokudonswa kwemali ngqo kwabeholo ungaba nezindleko ebhange lakho

Imali ekhokhelwayo isiphenduke ithuluzi lengcindezi amakhasimende angalisebenzisa namabhange. Ngalesi risidi somsebenzi unga vula iminyango eminingi ebudlelwaneni nalezi zinkampani, ngaphezu kokucabanga kwakho ekuqaleni. Kusuka ekutholeni imalimboleko yomuntu siqu ngezimo ezingcono zokuthola izinkontileka, ukubenza bakuvumele ukuthi ubonakale ubomvu ku-akhawunti yakho yokuhlola, ngaphandle kwezindleko. Impela, uhla lonke lwamathuba luqala okufanele uluhlole ukuthola izinzuzo eziningi.

Lelisu lingakusiza, hhayi kuphela ukuthuthukisa izimo zemikhiqizo ethile yasebhange, kepha futhi nokuqukatha izindleko ezivela esimweni sakho njengeklayenti. Okwakho, ungakhetha kokunikezwayo okubanzi nokuhlukahlukene lezi zinhlangano ezibeke phambi kwetafula lakho. Kumele ukhethe isiphakamiso esihlangabezana kahle nezidingo zakho, futhi ngokuya ngezinsizakalo ozisebenzisa kakhulu empilweni yakho yansuku zonke.

Kusukela ekuqaleni, ungasebenzisa isu lokuhweba lamabhange afuna ukuheha amakhasimende amaningi, ikakhulukazi lawo anikela ngemali njalo. Azihliki ngokukunikeza iziphakamiso, okusikisela kakhulu kuzo, futhi kwezinye izimo ngisho nolaka kakhulu. Bafuna ikakhulukazi ukuthi ungamelani futhi usayine eyodwa izikweletu ezixhunyaniswe nomholo. Kuzoba nezinzuzo nezinsizakalo eziningi abakunikeza zona, ngesipho esihlanganyelwe, esivelele ekukhuthazeni okwenziwa ngamabhange uqobo.

Luhlobo luni lwemali abayamukelayo?

Yimikhiqizo yasebhange ehloselwe ukubamba umholo wamakhasimende. Noma kunjalo, kuningi abasebenza ngokuzimela, noma ochwephesheNgaphandle kokuthola le risidi, bayazibuza ukuthi ngabe nabo bangafinyelela kuma-akhawunti analezi zici. Ngempela, bavulelekile kulezi zindlela zokuhweba. Ngisho nabadala bethu ngezimpesheni zabo zomhlalaphansi. Ngokwezinga lokuthi kungumnikelo ohlukanisiwe ohlelwe ngaphansi kwezindlela ezahlukahlukene zokuhweba.

Kuleli qophelo, kufakwe neziphakamiso ezibanzi kakhulu, okuyi vula leli thuba kwabangasebenzi abathola imihlomulo yokungasebenzi. Kunoma ikuphi, ngokulingana okuphelele maqondana nomholo okhishwa ngabasebenzi abaqashiwe. Kumele nje uye esibonelweni samanje sebhange ukuthola imodeli ye-akhawunti esimelwe ngayo ngemali yethu. Impela uzoyithola, futhi uzothola izikhuthazo ezinhle kakhulu, okuzoba nzima kakhulu ukuzenqaba.

Mayelana nenani leholo (noma imali ejwayelekile) alikho inani elijwayelekile kunani lalo, futhi kuncike ngokuyisisekelo kunikelo amabhange akwethulela lona. Yimikhiqizo efanayo kakhulu phakathi kwabo bonke, kepha umehluko othile ubalulekile, okuyikhona okunquma izici ze-akhawunti uqobo, futhi-ke, nezinsizakalo zayo. Futhi kuphela ngomnikelo weholo, noma imali ejwayelekile, akukho okunye.

Kulesi simo esivamile, iziphakamiso zehluke kakhulu. Kukhona ama-akhawunti adinga imali engenayo impela, ngaphezulu kwama-2.000, ama-3.000 noma ama-euro amaningi. Ngokubuyisanayo, ukunikezwa kunxeshezelwa ngeziphakamiso ezingafuneki kakhulu eziguqulwa kubo bonke abasebenzi, kufaka phakathi ama-mileuristas. Ngoba impela, akuvamile ukuthola eminye yale mikhiqizo kusuka kubuncane besilinganiso sama-euro angama-600. Ngezansi kwalesi samba akunakwenzeka ukuthola noma iyiphi i-akhawunti yalezi zici.

Yini le ikunikeza lawa ma-akhawunti?

Ungathola imikhiqizo ethile yasebhange ngokuqasha okungcono

Ukusuka lapha azikho izidingo ezinkulu zokwenza kube semthethweni, kuphela ukuxhumanisa imali engenayo ne-akhawunti, akukho okunye. Njengomvuzo walo mzamo wakho, izikhungo zezezimali zizokwenza iziphakamiso ezingenakubalwa, ngasinye sizokwazi ukuncintisana kakhulu. Ngaphandle kwemikhawulo, futhi kwesinye isikhathi kube nezinzuzo ezinkulu kunalokho ongakubona ekuqaleni. Uma usesimweni sokusayina lo msebenzi wokubhanga, ngeke usaba nezinsizakusebenza eziningi ukwedlula ukunaka okunikezwayo kwabo.

Ngokuvamile aqala esenzakalweni esivamile kuwo wonke ama-akhawunti. Akuyona enye ngaphandle kokuthi ukuqeda zonke izindleko zamakhomishini nezokuphatha. Cishe kuyo yonke imikhiqizo yasebhange, leli qhinga alisebenzi kuphela kuma-akhawunti, kepha nakumakhadi, ukuthengiselana, ukudluliselwa, njll. Ukuze ukwazi ukuthuthukisa, ngaphandle komzamo omkhulu, inqubomgomo elungile yokonga, enamandla ngokwanele ukuqukatha izindleko eziyinhloko. Kepha kusukela kulokhu kuhlinzekwa okuyisisekelo, kuthuthukiswa ezinye eziqonde kakhulu ezizonikeza ukuvumelana kokunikezwa komkhakha.

Inzuzo yokuqala: ukufinyelela kwizimali ezikhethwayo

Ukuthola isikweletu ngezimo ezingcono kungenye yemibono ethulwe emabhange ukuze wamukele iziphakamiso zabo. Hhayi ngeze, ungonga cishe iphesenti elilodwa iphuzu njalo lapho ubhalisa umugqa wesikweletu. Futhi kukhululwe kunoma iyiphi ikhomishini. Ngaphezu kwalokho, ezimweni eziningi awudingi ukufaka icala, kepha kunalokho, selivele linikezwe phambilini, kusukela ngesikhathi wenza i-akhawunti ibe semthethweni. Noma kunjalo, amanani awazukufuna kakhulu, kepha azobekwa ngaphansi kwamamaki angavamile ukweqa isithiyo sama-euro ayi-15.000.

Inzuzo yesibili: amakhadi wamahhala

Ukubheja okuningi kuwo wonke ama-akhawunti adinga ukudonswa kwemali ngqo kwabasebenzi noma olunye uhlobo lwemali ejwayelekile. Njengomphumela walolu hlelo, kusukela manje kuqhubeke ngeke ukhokhiswe ngokuphathwa noma ukugcinwa kwayo. Kuzofanele ubhekane nezintshisekelo zokwenza umsebenzi wesikweletu, noma izindleko ezenziwe ukukhipha imali kuma-ATM, phakathi kokunye. Baze bakunike nethuba lokukhetha ifomethi enamathiselwe kokunikezwa kokukhokhelwa kwamaholo enkampanini: isikweletu noma ukudonswa kwemali. Uzoba owukhethayo.

Inzuzo yesithathu: imali ethe xaxa yokuncintisana

Imali engabanjiswa enenzalo ephezulu ingabhaliswa

Inzuzo ephansi kule mikhiqizo ingashintshwa ngamamajini adingeka kakhulu, kuneziphakamiso eziphikisayo kakhulu zingafinyelela ezingekho ngaphansi kuka-5%. Zingatholwa kuphela ngeziphakamiso amanye amabhange azithuthukisayo ukuthola amaholo amakhasimende abo. Lokhu kungukuthuthuka okukhulu kunamamodeli wendabuko. Kepha qaphela kakhulu, ngoba izimo zabo zinzima kakhulu.

Okokuqala, banesikhathi eside ngokweqile, esingadluli izinyanga eziyi-6, futhi ngaphandle kokuthola ithuba lokuvuselela amadiphozi lapho esevuthiwe. Ngakolunye uhlangothi, kunezithiyo eziningi ezenza ukuthi izuze imali ngeziqinisekiso ezigcwele zeminikelo efakiwe. Akumangalisi ukuthi zenza kuphela ukuthi kube khona imali esele encane kakhulu yokonga ekhokhelwayo. Kufika cishe ku-10.000 euros, njengomkhawulo omkhulu. Ngokwalo mbono abawubeka kule mikhiqizo engenayo engaguquki, ama-euro adluliselwe ku-akhawunti yethu yamanje ngeke abe phezulu kakhulu.

Inzuzo yesine: indlela yamahhala yokutholwa

Esinye sezimo ezimbi kakhulu kubanikazi be-akhawunti yokuhlola kulapho kubomvu khona. Izinhlawulo okuzodingeka ubhekane nazo zingahle zibonakale zingezona ezilinganayo, cishe u-10% kubhalansi yemali. Yebo, ngokudonswa kwemali ngqo emholweni wabasebenzi - kokunye okunikezwa yibhange - kufaka phakathi lokho okungenzeka kube khona ukuzikhulula kulezi zindleko ezicasulayo.

Kuze kube seqophelweni lokuthi ezinye iziphakamiso ezithile zivumela amakhasimende azithola ekulesi simo esingemnandi kungenzeka kube okubomvu ngenani eliphakeme lomholo wabo. Ngaphandle kokujeziswa nganoma iyiphi ikhomishini, inqobo nje uma ingeqi lo mkhawulo. Futhi noma kunjalo, kuzobanika imali ethe xaxa ku-akhawunti yabo yokuhlola ukuze babhekane nochungechunge lwezindleko, ikakhulukazi ezingalindelekile. Futhi ngaphandle kwesidingo sokucela kusengaphambili emholweni wakho ukumboza lezi zimbobo zokubalwa kwemali.

Inzuzo yesihlanu: umshuwalense wamahhala ngokuphelele

Yize kuyinzuzo yesibili maqondana nezinye iziphakamiso zebhange, akulona iqiniso elincane ukuthi uchungechunge lwezinqubomgomo zomshuwalense lungatholakala ngaleli su lokuhweba ngaphandle kwezindleko zemali emaphaketheni akho. Ngokuyisisekelo ngemikhiqizo eyisisekelo (izingozi, usizo lohambo, ikhaya, njll.). Ukonga, ngakho-ke, nakho kuzofanele kukushiwo, futhi ngale ndlela nawe uvikelekile kunoma yikuphi okungahle kwenzeke.

Ububanzi bale mikhiqizo yomshuwalense engatholwa isukela kuzinqubomgomo ezivamile, ezizokuvikela ezenzweni eziningi. Kepha futhi okunye okucacile okunobudlelwano obukhulu nemikhiqizo enesivumelwano nebhange, njengomshuwalense wokuvikelwa kokusetshenziswa kwamakhadi ngenkohliso. Ngaphandle kwezindleko zomnotho kusukela ekuqaleni, kanye nasekugcinweni kwayo. Ukushintshanisa, ukumboza abazokunikeza khona kuzoba okuyisisekelo, ngaphandle kokumbozwa okukhethekile.

Inzuzo yesithupha: ngentuthuko ekhokhelwa abasebenzi

Ukuqhubekela phambili komholo kungatholakala ngokuxhumanisa imali ekhokhelwayo ne-akhawunti

Futhi uma ngasizathu simbe ufika nezinkinga zemali ekupheleni kwenyanga, unethuba lokubheka phambili komholo wakho. Ngokwenani lamaholo angafika kwayisithupha ngenani elingcono kakhulu. Ukuze ungaba nenani elingafinyelela kuma-euro ayizi-6.000, okuzokusiza ukuthi uphume ngokushesha okungaphezu kokukodwa. Kodwa-ke, into ephawuleka kakhulu ngalokhu kunikezwa lawa ma-akhawunti ahlobene nokukhokhelwa okukukhokhela ukuthi kwenziwa ngaphandle kokusebenzisa noma yiluphi uhlobo lwenzalo, futhi akuhlanganisi amakhomishini noma ezinye izindleko ekuphathweni kwawo.

Futhi akudingekile ukuthi bakunikeze, ngoba Unayo onawo ngesikhathi esiqondile sokwenza i-akhawunti ibe semthethweni. Ukuphela kwento okufanele uyazi ukuthi mangaki ama-payroll ongafinyelela kuwo, nesikhathi ozodingeka usibuyise ngaso. Kunoma ikuphi, kungenye yezindlela ezingcono kakhulu zokukunikeza izindlela zokuxhasa ngalesi sikhathi. Konke kuzoba yizinzuzo, ngisho nalokhu kusebenza kungasetshenziswa nasempeshenini yamakhasimende amadala.


Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.

  1.   Nekea kusho

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