Akuseyona imfihlo ukuthi kuneziteshi eziningi ezengeziwe zokuba yizigidigidi ngokugembula nokugembula kombuso. Njalo lapho kwenziwa imikhiqizo emisha, eminye ivuselelwa, ukuze ube nenhlanhla futhi ushintshe impilo yakho. Kulula njengalokho. Uma ungumnikazi wethikithi lokuwina noma ithikithi kokunye kwama-raffles abanjwa isonto ngalinye, impela akusadingeki ukhathazeke ngokuya emsebenzini, ingasaphathwa eyokuqukatha izindleko zakho. Uzoba nokuxazululwa kwempilo, mhlawumbe kuze kube phakade.
Kuzofanele uhlangabezane nezimfuneko ezimbalwa zokujoyina uhlu lwabantu ababusiswe yinhlanhla. Okokuqala, futhi njengoba kunengqondo ngakolunye uhlangothi, bamba iqhaza ku-raffle ngenani olibona lifanelekile, noma okungenani isabelomali osenzelwe inyanga siyakuvumela. Futhi into ebaluleke kakhulu, futhi ngasikhathi sinye kunzima kakhulu ukuyifeza, ukuthi unikezwa umklomelo omkhulu we-raffle noma umdlalo. Uma kunjalo, izinkinga zakho zizohluka kusukela manje. Kepha, kunjalo, lokho kubekezeleleka kakhulu kuzintshisekelo zakho.
Ngokuvikeleka okuphelele, ukuthi umklomelo owutholayo uzokusiza ukuthi ukhansele izikweletu ezitholakele, uphinde uvikele umgodi wezomnotho ongajwayelekile, futhi awusadingi noma yiliphi ibhange ukuze uthuthukise umholo wakho. Esikhundleni salokho, uzoqala ukujabulela impilo yobukhazikhazi nokunethezeka, okubonile kumabhayisikobho aseNyakatho Melika kuphela. Hhayi ngeze, uzoba yisigaba esisha senhlalo, leso sabacebile abasha.
Izintela zeLottery nezokudlala
Uzoba nenkinga eyodwa kuphela, hhayi encane. Yonke imali oyiholayo ngale misebenzi yokuzijabulisa ngeke ibe ngeyakho ngokuphelele, kude nayo. Kuzofanele ukhokhe imali eningi kumgcinimafa. Ngeke ube nokukhetha, noma ngabe kukukhathaza kancane. Yonke imiklomelo, yamanani amakhulu kune-2.500 euros, izokhokhiswa intela ngezinga lama-20%. Njengomphumela walesi silinganiso sentela somdlalo, uma unikezwa umklomelo wama-euro angama-100.000, ngeke uthole le mali, kepha kuzoba ngama-euro ayi-80.000, ngemuva kokudonsa intela ehambisana nemithetho yamanje. Ngaphandle kwalokho, kusukela kunani olimemezelayo esitatimendeni sakho semali elandelayo.
Intela yokugembula, ngakolunye uhlangothi, ngeke kudingeke ikhokhwe ebhange noma kubaphathi bezentela, kepha isivele yehlisiwe ngesikhathi esifanele lapho uyiqoqa. Lokhu kuzodala ukuthi lesi sipho ebesingalindelekile singabi mnandi njengokuthi uthole kangakanani ukuthi ubukade uthola lo mklomelo. Futhi njengoba inani liphezulu, isaphulelo ngentela naso sizophakama, yize singaphansi kwephesenti elifanayo.
Ungayitshala kanjani i-jackpot?
Kodwa-ke, yonke imali oyishiya kuMgcinimafa ingatholwa, futhi ngokweqile. Impela le ndlela izokumangaza futhi uzibuza ukuthi ngayiphi indlela. Yebo, kulula kakhulu, ukutshala wonke umklomelo kumkhiqizo wokonga noma wokutshala imali. Futhi ungakwazi kwenze kube nenzuzo kusuka kubuncane be-5%, futhi kuze kufike kuma-maximums abonisa ukuvela kwezimakethe zezezimali, noma impumelelo yesinqumo sakho.
Njengoba kuyimali owawungenayo, ungahle ube nayo inketho engcono kakhulu ukuyitshala ngokuphelele kumasheya. Yize ngezindlela ezahlukahlukene zokutshala imali. Enye yazo, enokuphepha nokuvikelwa okukhulu kokulingana okutholwe ngokungalindelekile, kusekelwe ekukhetheni ukuphepha okunesivuno esikhulu senzuzo. Cishe u-6% kungaba yiphesenti elihlangabezana nokulindela kwakho, futhi lokho kuzoba yilokho ozobe ukhokhela le mali minyaka yonke, futhi ngaphandle kokuvela kwezinto ezingaba khona ezimakethe zamasheya. Ungaba nokwanda okungeziwe kwenzuzo yalo mqondo.
Uthatha izikhundla emakethe yamasheya
Imakethe yamasheya iyindlela esheshayo yokwenza umsebenzi ube nenzuzo, futhi ungakwazi iya ezimakethe zomhlaba ezisebenza kahle kakhulu kulo nyaka. Yize ngaphansi kwamakhomishini aphezulu. Kusuka kulesi simo, futhi uma utshalomali luhamba ngendlela eya phezulu, luzokwazi ukuthola cishe ama-20%. Ngamanye amagama, ngabe waqeda imiphumela yokukhokha intela ngemuva kokuklonyeliswa ngomklomelo omnandi.
Enye indlela onayo ukuqhubeka nokuzibeka engcupheni. Futhi iyiphi indlela engcono kunemikhiqizo yezimali eyinkimbinkimbi kakhulu emakethe. Iziqinisekiso, izimali ezihwebelana ngokushintshaniswa noma ukuthengiswa kwekhredithi kungaba enye yezinketho zakho eziyinhloko. Ubungozi buzohlala buphakeme kakhulu njalo, kodwa ngokubuyisela umvuzo uzophakama futhi.
Futhi ngubani othi uma ungakwazi ukuphokophela inhlanhla yakho futhi? Impilo yakho imboziwe, futhi kufanele ukuthola, ngokwesibonelo, inzuzo esondele kuma-50%. Kuphakeme kakhulu, kuyiqiniso, kepha ngemikhiqizo ephikisiwe ngeke kwenzeke, ngisho nalamaphesenti. Iphuzu ukwenza ukukhetha okuhle ezimakethe zezimali.
Ukulinganisela ngezimali
Uma ungafuni ukufaka engcupheni yonke inzuzo oyitholile kumdlalo, unezimali zokutshala imali isisetshenziswa ezandleni zakho ukunweba izinzuzo zomklomelo. Impela izinzuzo ngeke zibe phezulu njengasefomethi yotshalo-mali yangaphambilini, kepha okungenani uzoyivikela ekulahlekelweni okungenzeka ku-equity equity.
Uma ungumtshali-zimali onolaka ngokwedlulele, ungakhetha izimali ezisuselwa kwizimali, ezamazwe omhlaba noma ezivelayo, ongafaka ngazo ukwenyuka okuphakathi kuka-10% no-20% enhlokodolobha etshaliwe. Uma ngaphandle kwakho konke, Awufuni ukuziveza ngokweqile, uzohlala unesisetshenziswa sokuya ezikhwameni ezihlanganisiwe, ahlanganiswe nezimpahla zezimali ezisuka kumholo ohleliwe. Yize umholo wakho uzokwehla kakhulu, imvamisa kuhamba ebangeni elisuka ku-5% liye ku-10% njengembuyiselo yonyaka.
Futhi uzohlala unemikhiqizo yokugcina ongayisebenzisa engeniswa ngokuphelele, futhi lokho kuyaqabukela kukhiqize imbuyiselo engaphezu kuka-5%. Noma, kunalokho, imali yakho izoba umshwalense ngaphezulu, futhi uzokugwema ukungazinzi kwezimakethe zezimali. Ngenzuzo ebalulekile ongayikhetha ezinhlobonhlobo zezimali, kuzwelonke nangaphandle kwemingcele yethu.
Zigcine kudiphozi yethemu
Uma ungasafuni ukuqhubeka nokuthola inhlanhla, futhi okufunayo ngempela ukuthi ube nemali ngembuyiselo encane, unemikhiqizo emihle kakhulu yasebhange kuma-term deposits. Hhayi ngeze, awufaki engozini lutho efeni lakho, futhi ungathola umvuzo obalulekile njengomphumela weminikelo ephezulu ozoyinikeza idiphozi yakho.
Kufanele ubheke imali enenzuzo enkulu amanye amabhizinisi abekade eyakha, okuyiyo nikela kuze kufike ku-2% kumikhiqizo yamakhasimende amasha, noma okungenani kwenziwe ngokusemthethweni ekwenyusweni kwayo. Kodwa-ke, bazoba namagama amafushane kakhulu futhi kuyaqabukela badlule izinyanga eziyi-6. Ungakhetha ngisho nokufakwa kwemali okuxhunyaniswe namasheya njengefomula yokuthuthukisa la ma-margins, futhi usondele kusithiyo esingu-5%.
Futhi, uma ufuna ukukha okuthe xaxa ezinzuzweni, ukuqasha i-akhawunti ekhokha kakhulu kungaba yisixazululo sokugcina sokwengeza umcebo wakho ngokuphepha okukhulu, futhi lokho kuzokulethela izinzuzo zonyaka ezingaba ngu-2% kumamodeli anenzuzo enikeziwe ngezikhungo zezimali. Futhi konke lokhu ngomkhiqizo, ongadingi izimo ezikhethekile, nokuthi yikuphi inikeza isikweletu esisheshayo nesiphelele kubhalansi yakho. Ngenxa yalokho, uzokwazi ukujabulela umklomelo nganoma yisiphi isikhathi, futhi ngaphandle kwemingcele.
Amathiphu ayi-7 okwenza umklomelo ube nenzuzo
Kunoma ikuphi, ukukhulisa ukulingana okukhiqizwe ngumklomelo otholwe kumdlalo, ngeke kulimaze ukufaka uchungechunge lwezincomo ezingaba wusizo olukhulu kuzintshisekelo zakho. Futhi lokho kuzokusiza nakanjani ukwakha ifa elikhulu kakhulu kunaleli onalo kuze kube manje. Kuzodingeka ukuthi wamukele noma iziphi iziphakamiso ezilandelayo.
- Uzoba sesimweni esingcono se- ubeka engcupheni kakhulu imali yakho oyitshalile, futhi njengomphumela wazo, ungakhetha imikhiqizo enobudlova engadala ukusebenza okuphezulu ezimweni ezinhle kakhulu.
- Kuzoba isikhathi esifaneleka kakhulu se- lula imisebenzi, bese wabela isikhathi esifushane, ukuze kancane kancane ibhalansi ye-akhawunti yakho yokuhlola inyuke. Esimweni sakho samanje, akunangqondo ukwandisa ukusebenza ngaphezu kwezinyanga eziyi-12.
- Njengoba unemali eningi njengoba unayo, kuhlale kunjalo imali engenayo eguquguqukayo yelulekwa kakhulu kunenzuzo ehleliwe, ngoba uzomboza izinhloso zakho esikhathini esifushane, noma ngabe olunye utshalomali olwenziwe lungase lwehluleke.
- Uma izinhloso zakho ukuvikela ingxenye yenhlokodolobhaBanakho kulula kakhulu, ngoba uzotshala kuphela u-50% wentengo, kanti enye ingxenye ungayabela ukuze ujabulele izinjabulo zempilo, ngakolunye uhlangothi eziningi.
- Ukuthi ungusozigidi akusho ukuthi kufanele ulahle izindlela zokuzivikela ngezimali zakho ozitshalile. Uma kungenjalo, kufanele ubaphindaphinde ukuze ingxenye yenzuzo etholwe kumklomelo otholakele yehle ngomgwaqo.
- Kufanele usethe umgomo omncane ukuzama ukukufeza ngesikhathi esifanele, futhi ngokususelwe kulokhu, ukuze ube nenhlokodolobha evivinya kakhulu. Futhi kulokhu, kuzokuvumela ukuthi uphile ngemali engenayo impilo yakho yonke.
- Ngamasu ahlukene okutshalwa kwezimali (inzalo yezikhathi ezithile, izinzuzo, njll.) uzokwazi ukwakha umthombo wemali engaguquguquki futhi eqinisekisiwe kuyo yonke iminyaka. Ngesivuno esivame ukwehla phakathi kuka-2% no-6%. Akuwona umqondo omubi ukwenza inzuzo enhle ngalo mklomelo owunikiwe.