Ukutshalwa kwemali kwesikhathi eside: okudingeka ukwazi

Kunemigomo eminingi yaphakade kodwa eyodwa ebaluleke kakhulu yilelo elibhekiswe ekugcineni okude kakhulu. Noma yini efanayo, isikhathi eside. Yebo, lesi sikhathi sokutshala imali sibhekiswe ikakhulukazi kubatshalizimali abane iphrofayili elondolozayo noma evikelayo. Ukuze ngale ndlela benze izimpahla zabo zizuze ngaphandle kokulinganiselwa kwesikhathi. Ngesikhathi esifanayo lapho bezokwazi ukukhohlwa ngokutshalwa kwezimali kwabambalwa. Kuze kube seqophelweni lokuthi kwezinye izimo kuze kube yiba utshalomali ifa. Lokho wukuthi, kudlula kusuka kubazali kuye ezinganeni ngaphandle koshintsho kuphothifoliyo yokutshala imali.

Lapho kukhulunywa ngotshalomali lwesikhathi eside, isici sokuqala okuzodingeka sicaciswe yiminyaka lolu hlobo lwesikhathi olucabangayo. Ayikho ipharamitha yokuhlose, kepha ukuhlala iminyaka engaphezu kwemithathu noma emihlanu kungathathwa njengesikhathi eside. Lapho izikhundla zizogcinwa khona ngendlela emile, ngaphandle kwanoma yiluphi uhlobo lokwehluka. Kunoma ikuphi, lokhu kutshalwa kwezimali yikhona okukude kakhulu ongakuthola ngokuqagela. Futhi akubona bonke abatshalizimali abancane nabaphakathi abazimisele ukubathatha.

Vele, kule migomo yokuhlala unomphela kukhona uchungechunge lwezibambiso ezingabhaliswa kakhulu ekusebenzeni emakethe yamasheya. Ikakhulukazi labo abakhombisa ifayili le- ukuzinza okukhulu ekuguqukeni kwamanani abo. Ngokuxoshwa okumbalwa futhi lokho ngokuvamile akubonakali ngokwazisa kwabo okuphezulu noma ukwehliswa kwenani lamasheya. Akuyona yonke imikhakha ehlangabezana nalesi sici esimakwe. Abazivikelayo yibo abakhonjiswe kakhulu ukuze ukwazi ukuvula izikhundla kusuka manje.

Isikhathi eside: inkokhelo yesabelo

Vele, uma kunesici esisodwa esikhomba lezi zimfihlo, ukuthi iningi lazo lihambisa izinzuzo kubaninimasheya. Ngefayela le- inzalo emaphakathi ebekiwe futhi iqinisekiswe cishe ngama-5% minyaka yonke futhi emelwe yizinkampani zamabhange nezikagesi ezisohlwini lwe-Ibex-35. Ngenzuzo ephezulu kunaleyo enikezwa eminye yemikhiqizo yasebhange (idiphozi yethemu, amanothi ezethembiso noma ama-akhawunti akhokha kakhulu). Ukufika lapho abalamuli abaningi bezezimali bekhetha lezi ziphephelo lapho isikhathi sokusebenza isikhathi eside.

Esinye sezizathu zokukhetha leli su elikhethekile kungenxa yokuthi uzoba nokunye imali eqinisekisiwe kusukela kulowo mzuzu kuqhubeke. Ngaphandle kokuvela kwamasheya ezimakethe zezimali. Uzokwazi ukuba nezinga eliphakeme lokuchithwa kwemali ku-akhawunti yakho yokuhlola ukuze uhlangabezane nezindleko zakho zansuku zonke. Ngisho nokubhekana nenye imali engalindelekile emndenini wakho noma kubhajethi yakho. Ungangabazi ukuthi ungaba kulesi simo iminyaka eminingi, ende kunendlela ocabanga ngayo kwasekuqaleni. Ikakhulukazi uma unokwesekwa kwemali engenayo ejwayelekile.

Izinzuzo zalokhu kusebenza

Kuneminikelo eminingi ezokwenziwa yimisebenzi yesikhathi eside emakethe yamasheya. Ngakho-ke, kulula ukuthi ubazi uma kwenzeka ezinsukwini ezimbalwa ezizayo uzokwenza umsebenzi ngokulingana kwalezi zici. Okunye okuhambisana kakhulu yilokhu okulandelayo esikudalula ngakho ngezansi.

1. Ezikhathini ezinde kangako kunzima kakhulu kuwe ukulahlekelwa yimali ekusebenzeni ngakunye kwalobu bunye.
2. Izokuvumela ukuthi ube inqanyuliwe ezimakethe zezimali isikhathi eside, ngaphandle kwengcindezi yokutshalwa kwemali emakethe yamasheya okuzodinga ukuthi uqaphele cishe nsuku zonke.
3. Iyagcina amakhomishana Kuzoba ezinye zezici ozohlomula ngazo kulezi zikhathi zokuhlala ezinde.
4. Ekupheleni kosuku ungahlala njalo khulula imali yakho nganoma yisiphi isikhathi futhi uguqule isu lakho lokutshala imali. Ubhekene nesidingo somuntu siqu noma ukubhekana nezindleko ezingalindelekile.

Hlaziya izidingo zakho zangempela

Ngakolunye uhlangothi, akufanele ukhohlwe ukuhlaziya ukuthi yini amathemba akho okutshala imali. Ngoba kuncike kubo, isisombululo esihle kakhulu sokuvikela izintshisekelo zakho kungaba ukutshalwa kwezimali kwesikhathi eside. Ngalokhu, kuzodingeka ngokuphelele ukuthi imali ozoyitshala awuyidingi iminyaka ezayo. Ukwenza lokhu, akukho okunye ongakwenza ngaphandle kokuba nemali engenayo noma imali engenayo ezokusiza ukuhlangabezana nazo zonke izindleko zomnotho wakho wasekhaya. Ngaphezu kwalokho, kuzokusiza ukuze ungadingi ukwenza umsebenzi omubi ngokwengxenye lapho kunesidingo esiphuthumayo kuma-akhawunti akho.

Kuzobaluleka futhi ukuthi ungajahi ukwenza ukonga kube nenzuzo ngokushesha. Kepha kunalokho, isifiso sakho esikhulu ukudala ifayili le- isikhwama sokonga esizinzile ngibheke phambili eminyakeni embalwa ezayo. Noma ngabe umdala, njengemphelelisi yomhlalaphansi wakho. Ukuze ngale ndlela ube nekhwalithi ephezulu kakhulu yokuphila eminyakeni yegolide. Akumangalisi ukuthi esinye sezici zokutshalwa kwemali kwesikhathi eside ukuthi azenzelwe abasebenzisi abasebenza kakhulu ezimakethe zezezimali. Kepha kunalokho okuphambene, ngephrofayili yendabuko ebudlelwaneni bakho nezwe lemali.

Amanani ahambisana kakhulu nale migomo

Njengoba ungacabanga kahle, akuwona wonke amanani esitoko azosizakala kulolu hlobo lwamasu okwenza ukonga kube nenzuzo. I- kancane ukushintsha ekwakheni amanani abo. Lokho wukuthi, ngokuphambuka kwamanani abo ahamba ngaphansi kwemikhawulo emincane kakhulu. Vele, ngeke bakwenze izigidigidi, kepha okungenani bazokunikeza ukuphepha okuningi ongeke ube nezinye izimanga ezingezinhle entengweni yakho kusukela manje kuqhubeke. Bahlukaniswa yiqiniso lokuthi ukuphepha kunqoba ezinye izindlela ezinolaka kakhulu.

Ngaphezu kwalokho, lawa magugu aziwa njengamabhange e-piggy ngoba akhombisa ukubonga okuqhubekayo minyaka yonke. Noma kungaphansi kwamaphesenti angatelekile kakhulu, phakathi kuka-1% no-3%. Kepha noma kunjalo, ukweqa inzalo enikezwe yimikhiqizo yasebhange yendabuko (imali yesikhathi, iphepha lokuhweba noma ama-akhawunti akhokha kakhulu). Lapho amazinga wenzuzo azungeze u-1% angavamile ukudlulwa. Akusizi ngalutho amanani angakhiqizi ikhanda eliningi ngesikhathi sokuwaqasha. Lapho ziqondiswe kahle khona kwimigomo emide.

Thuthukisa izindleko zempilo

Enye inhloso yokutshalwa kwemali kwesikhathi eside ukuthi ungathuthukisa ukukhuphuka kwamanani minyaka yonke. Lokho wukuthi, inani lemali yakho alifihli unyaka nonyaka ngenxa yokwanda kwe- Inkomba yamanani wabathengi. Ngalo mqondo, kufanele ukhumbule ukuthi i-CPI njengamanje ingu-1,2%, ngokusho kwedatha yakamuva enikezwe yiNational Institute of Statistics (INE). Yebo, ngokuhamba kwesikhathi uzodinga ukushaya lezi zimishi zenzuzo ukuze ungalahlekelwa amandla okuthenga kusuka manje kuqhubeke. Ngakho-ke, uzodinga imbuyiselo engaphezu kwe-1,50% ukuze lesi sifiso sigcwaliseke.

Akumangalisi ukuthi ngemikhiqizo ejwayelekile yasebhange ngeke ukwazi ukufeza izinhloso zakho ozifunayo. Futhi ngeke ube nokunye ongakwenza ngaphandle kokuya ezimakethe zezimali. Yize kuliqiniso ukuthi ukuthatha izingozi eziningi ukwedlula kuze kube manje. Kuyimali ekhokhelwayo okumele uyikhokhele ukuze leli qhinga ligcine lenziwe. Ngaphandle kokukhohlwa isisho sabatshalizimali abaningi abancane nabaphakathi ukuthi emakethe yesitoko yesikhathi eside kunzima kakhulu ukulahlekelwa yimali. Ngoba ekugcineni kosuku kuyimpahla yezimali ecishe ivele njalo kulezi zikhathi ezikhethekile zaphakade.

Okubi kwalokhu kusebenza

Ngokuphambene nalokho, utshalomali lwesikhathi eside nalo lunezithiyo ezithile. Phakathi kwabo ukuthi uzonikezwa amandla amaningi okwenza noma yiluphi uhlobo lwamasu. Ngoba i- ukuguquguquka ukwenza ukunyakaza ngamasheya kuzoba kuncane kakhulu kunasemisebenzini emifushane noma yesikhathi esimaphakathi. Ngakolunye uhlangothi, kuzokuvimbela ukuthi ukwazi ukujabulela ukusebenza njalo ngonyaka. Uma kungenjalo, ngokuphambene nalokho, ngeke sibe khona esinye isixazululo ngaphandle kokulinda iminyaka engu-4, 5, 6 noma eyishumi ukutakula iminikelo yakho yezezimali. Akunandaba ukuthi kuyini ukuvela kwamanani abo.

Lolu hlobo lokutshalwa kwemali, ngakolunye uhlangothi, luzodinga ukukhetha okufanelekile ekunikezweni kwezokuphepha izimakethe eziguquguqukayo ezikulethela zona. Bangabezwe noma bangaphandle kwemingcele yethu. Ngoba akubona bonke abasebenzela lesi sigaba samasu achazwe kahle. Kuzodingeka futhi ukuhlola ukuthi ngeke kusho akukho nzuzo yangempela kuma-akhawunti akho uqobo esikhathini esifushane nesikhathi eside. Uma kungenjalo, kuzofanele ubekezele ngokwengeziwe ngesinqumo sayo esilandelayo. Ungakhohlwa ukugwema ukwenza iphutha ongazisola ngalo ngemuva kweminyaka embalwa uthathe izikhundla.

Ekugcineni, awukwazi ukukhohlwa ukuthi lokhu kutshalwa kwemali kungadala inkinga yokwehla kwemali kwesinye isikhathi noma kwenye. Lapho ungeke ube nokuzikhethela ngaphandle kokwenza ukuthengisa okuyingxenye ukulungisa inkinga. Futhi kungaba ngentengo yokuthengisa okungeyona leyo ezokwanelisa kangcono ngalezo zikhathi. Kufika ezingeni lokuthi ungalahlekelwa yimali ekusebenzeni.