Enye yezinhloso zabatshalizimali abancane nabaphakathi, ngaphandle kokufuna inzuzo ephezulu kakhulu ekusebenzeni kwemakethe yamasheya, ukuzama ukunciphisa izindleko ezitholakala kulezi zinhlangano. Vele akulula ukufeza, kepha kukhona amasu angakusa kula mazinga. Kokubili ekuphathweni kokutshalwa kwezimali nakwimikhiqizo enesivumelwano. Ukuze ekupheleni konyaka ukwazi kuzuzwe ukonga okukhulu ongazisebenzisela ezinye izidingo empilweni yakho yangasese noma yomndeni.
Yize ukwazi ukuthi ukhiye wale misebenzi ukufeza izinzuzo ezinkulu kakhulu njengoba leli su lokutshala imali liyinto yesibili yokugwema ukusebenzisa imali ethe xaxa thenga futhi uthengise ama-oda ngokushintshana. Ngaphakathi kwalomongo ojwayelekile, kungatholakala ukonga okumaphakathi kwama-euro angama-500, okungakhuphuka ngokuya ngokuhlukahluka okwethulwe ngabatshalizimali abathile abathengisayo. Ngomphumela wokugcina ukuthi inzuzo yemisebenzi izosebenza kakhulu kusukela ngaleso sikhathi.
Ngenkathi ngakolunye uhlangothi, leli su lokutshala imali lingenziwa futhi ngokuya ngokusebenza emakethe yamasheya. Ngokunyakaza ngendlela efanayo enengqondo, enokulinganisela futhi lokho kuzozama ukwenza konke ukusebenza kwalezi zici kube nenzuzo ethe xaxa. Kulokho okuyinjongo okufanele uyifune ngesikhathi lapho amabhange anqume ukukhulisa lawo amakhomishini nezinye izindleko kubaphathi kanye nokugcinwa kwalolu hlobo lotshalo-mali. Ngokwesilinganiso esingaba cishe yi-0,15% njalo ngonyaka. Kungakhathalekile ukuthi yini engenzeka ekuziphendukeleni kwephothifoliyo yezokuphepha.
Gcina imali kuzinzuzo
Ukwahlukaniswa kungenye yezindlela ezithandwayo zabatshalizimali abanephrofayili evikela kakhulu ukuthola imbuyiselo egculisayo kulondolozo lwabo. Ngenzuzo emaphakathi nonyaka ngamanani enkomba ekhethiwe yezimali zaseSpain 4,9%. Ngaphezulu kwemikhiqizo emikhulu yasebhange kanye nemikhiqizo etholakalayo yemali engenayo. Isibonelo, amabhondi azimele, amadiphozi wesikhathi esimisiwe noma ama-akhawunti akhiqiza kakhulu. Yebo, isu kuleli cala kungaba ukuqoqa izinzuzo ngqo bese zikhokhiswa kwi-akhawunti yethu yokonga.
Ngaphezu kwamanye amasistimu wokuqoqa, njengalawo anikwe amandla ngokuthengiswa kwamalungelo nokuthi yize nawo angaba nenzuzo enkulu, akhiqiza izindleko obengenazo. Lokho kungukuthi, njengomphumela wamakhomishini akule ndlela yokusebenza nokuthi ukunyakaza cishe ama-euro ayi-140 Ekukhokheni izinzuzo ungathatha amanani alinganiselwa kuma-euro angama-15. Ngakho-ke kuzoba yimali okuzodingeka uyikhiphe emhlomulweni walo mholo wabaninimasheya. Okufanele kungezwe kukho izintela ezithathwa kuwe ngaphambi kokuba inani lembuyiselo liye ku-akhawunti yakho yokuhlola.
Ukusebenza kweqembu kukodwa
Kwesinye isikhathi senza iphutha lokwenza imisebenzi eminingana ezimakethe zamasheya singazi ukuthi lokhu kuhamba bajeziswa amakhomishini. Ngokwalokhu kubheka kungcono kakhulu ukuhlanganisa imisebenzi ibe munye futhi sivumele ukuthi songe imali kulezi zinkokhelo zokusebenza. Ikakhulu, kuyasiza kakhulu ukuya ebangeni eliphansi kunawo wonke lawo, ekugcineni elizosivumela ukuthi sehlise izindleko zokuthenga amasheya, kwesinye isikhathi kube nemiphumela ebabazekayo yezintshisekelo zethu. Lolu uhlelo esingalusebenzisa uma sidayisa ngemvamisa ethile ezimakethe zezimali.
Ngenkathi ngakolunye uhlangothi, akumele sikhohlwe ukuthi amakhomishini nezindleko kubaphathi zihlala zijezisa ukuhamba kwemali encane ngaphezu kokufuna kakhulu. Ngaphezu kwalokho, kuyindlela yokugxilisa utshalomali lwethu ngendlela enethezeke kakhudlwana kithi sonke. Akudingeki ukuthi ibe senani elilodwa lemakethe, kepha ngokuphambene nalokho singathuthukisa iphothifoliyo yamanani alungiswe kuphrofayela yethu njengabatshalizimali abancane nabaphakathi. Lokho kungukuthi, ukuzivikela, okuphakathi noma okunolaka noma okuqagelayo ukuze siphumelele kukho ngaphandle kokufaka izingozi ezingadingekile.
Kungcono kuzwelonke kunakwamanye amazwe
Izikhathi eziningi sitshala imali yethu ezimakethe ezingaphandle kwemingcele yethu kunengqondo kakhulu. Lokhu sikwenza ngokulingisa noma ngokucabanga ukuthi sizokwenza imali yethu yokutshala imali ibe nenzuzo ethe xaxa. Yebo, yize lokhu kuthengiselana emakethe yamasheya kungaba yinzuzo enkulu, izindleko zayo zizohlala zibiza kakhulu kithi sonke. Ngokwanda kwamakhomishini azungeze ama-20% noma ama-30%. Le yimali esingayonga uma sithatha isinqumo sokungashiyi imingcele yethu sizosebenza ezimakethe zezimali. Kungaba yisinqumo esihle kakhulu se- aqukethe izindleko kusuka manje.
Ngakolunye uhlangothi, sihlala sinesisetshenziswa sokungasuki ezimakethe zezimali zikazwelonke ngoba kukhona anhlobonhlobo ukuphepha nazo zonke izici. Hhayi enkombeni ekhethiwe kuphela, kodwa nakwesibili. Ngeke sikhohlwe ukuthi okwamanje imakethe yamasheya kazwelonke ayisafani neyasemashumini ambalwa adlule futhi kukhona uhla olubanzi ongakhetha kulo. Ngandlela thile, asidingi ukushiya imingcele yethu ivule izikhundla ezimakethe zamasheya. Ngaphandle kwenkolelo yabatshalizimali abaningi mayelana nemikhawulo ekuyo.
Thola umdayiseli wokuncintisana
Isithembiso sokusebenza emakethe yamasheya ezweni lethu sibanzi kakhulu. Hhayi ngamabhange kuphela kepha ngazo zonke izinhlobo zabalamuli bezezimali bezinhlobo zonke. Banamakhomishini ashibhile futhi bangehlisa izindleko zale minyakazo kuze kufike ku-35% izindleko zomsebenzi. Ngezinga abanikela ngalo okunikezwayo nokuphromotha lokho kungaba lusizo olukhulu ezintweni esizithandayo kusukela manje. Kumele ubathole futhi uhlole ukuthi izimo zabo zihlangabezana nezidingo zethu emkhakheni wokutshala imali.
Esinye isici okufanele silungiswe ngalesi sikhathi yilokho okuphathelene nobuningi bokusebenza emakethe yamasheya. Ngomqondo wokuthi isibalo esikhulu singaba nenzuzo enkulu ukusebenzisa leli su ekuphathweni kotshalo-mali. Ikakhulukazi kubatshalizimali abancane nabaphakathi abenza imisebenzi eminingi njalo ngenyanga noma okungenani ingxenye enhle yonyaka. Ukuze ukuphela kokonga kube kuhle kakhulu kunendlela ongacabanga ngayo kwasekuqaleni. Ngoba empeleni, umehluko ekusetshenzisweni kwemali ungabaluleke kakhulu ukusuka manje.
Sheshisa imigomo yaphakade
Icebo elincane ongalisebenzisa manje ukufeza le nhloso kwezezimali zakho linda isikhathi eside ukuthengisa amasheya. Ukuzama ukwandisa inzuzo kuyo yonke imisebenzi emakethe yamasheya. Yize kunengozi efihliwe yokuthi ukuthambekela kungashintsha noma nini futhi kuphazamise isu ebesiliklanyele ukutshalwa kwemali. Kunoma ikuphi, kungenye yezinhlelo ezisebenza kakhulu esinazo okwamanje ukwandisa ibhalansi ye-akhawunti yethu yokonga.
Futhi asikwazi ukukhohlwa ukuthi leli qhinga lokutshala imali lingadala ukuthi ekugcineni njalo ngonyaka sibe nokonga okukhulu kumakhomishini adingeka ngokuthenga nokuthengisa amasheya emakethe yamasheya. Ngalo mqondo, kungaba yi ukunyakaza okunenzuzo enkulu uma izimo zezimakethe zezimali zingashintshi kakhulu. Ngenkathi ekugcineni, kuyindlela eyanelisa kakhulu kumaphrofayili wokuzivikela noma wokugcina ebudlelwaneni nezwe lemali. Akumangalisi ukuthi inhloso yabo akuyona inhloso yokuqagela, kepha ngabatshalizimali kuphela.
Amakhomishini aphansi
Ikakhulukazi abatshalizimali abenza imisebenzi eminingi ngonyaka, yomibili ebhekiswe esikhathini esifushane, esiphakathi noma eside, bangazitholela amanani entengo emakethe yamasheya aqala ukumakethwa yizikhungo zezezimali ezengeziwe. Kuze kube seqophelweni lokuthi bavumela ukonga okukhulu kumakhomishini womsebenzi owenziwayo. Isilinganiso sakho sitholakala phakathi kwama-20 nama-30 euros ngenyanga, nakumuntu owenza imisebenzi ephelele ngenyanga, isibonelo, ukonga kungasho cishe ama-euro angama-30 ngenyanga ngokwesilinganiso, okusiza nokwandisa utshalomali.
Izinga eliphansi emakethe yamasheya livumela umsebenzisi ukuthi enze imisebenzi eminingi yokuthenga nokuthengisa njengoba befuna, njengoba kunjalo ngamanani ocingo noma we-Intanethi. Yize ukusetshenziswa kwayo kungandile kakhulu emkhakheni wezezimali, ikakhulu ihlanganisa amabhange asebenza nge-Intanethi futhi wabathengi, kuzwelonke nakwamanye amazwe, okuyiwona ahlinzeka ngezimo ezihamba phambili. Ngohlelo lokusebenza, womabili kufayela le- izimakethe zokulingana zikazwelonke kanye nalabo abangaphandle kwemingcele yethu. Yize kunengqondo ukuthi lezi zokugcina yizo ezinamanani anwebekayo kakhulu.