Kumasheya, awunqobi ngaso sonke isikhathi, kepha, njengoba kunengqondo ngokuphelele, nawo aveza ukulahleka ekusebenzeni okwenziwayo. Engxenyeni enhle yezikhathi njengomkhiqizo webhadi. Kepha futhi kumaphesenti abaluleke kakhulu njengomphumela wamaphutha ongawenza ezimakethe zezezimali. Lapho ngezinye izikhathi zikhona ngenxa yamaphutha enqwaba etholakala kumasu akho okutshala imali. Yikho kanye lokhu kulahlekelwa okungagwemeka uma uyabona kuziphi izinto okade unephutha kuzo. Kuyindlela engcono yokuvimbela lezi zimo ukuthi zingaphinde zenzeke kusukela manje.
Amaphutha emakethe yamasheya anengqondo ukuthi angenzeka, kodwa ngendlela efanayo angagwenywa. Noma okungenani beka wonke amathuluzi okwenza la maphutha amancane noma amakhulu aphinde enze izinqumo zakho ezimakethe zezimali. Ngoba empeleni, kungaba yifayela le- hudula okukhulu kubhalansi ye-akhawunti yakho yokuhlola. Ikakhulukazi lapho zithuthukiswa kaningi futhi ngeshwa kulaba batshalizimali abaneshwa. Ngenye yezimo ezimbi kakhulu ezingenzeka kuwe kwizimali. Ngabe ufuna ukuthi lokhu kungenzeki kuwe?
Kungaba elinye lamaphutha angenacala okukulethele lezi zindaba ezimbi futhi okudale ukuthi kudingeke ukuthi uthengise amasheya akho ngezinga lokulahlekelwa esitatimendeni sakho samanje sama-akhawunti. Indlela engcono yokugwema ukuphinda lezi zinhlobo zamaphutha ukuwabona futhi ufunde lezi zenzo ezingafuneki ngezintshisekelo zakho njengomtshalizimali omncane naphakathi. Kuzoba okuncane inqubo yokufunda Kumele udlule kukho kusukela manje kuqhubeke. Ngeke ube nesixazululo esigculisa ngokwengeziwe.
Amaphutha: hhayi ukuhlela utshalomali
Akungabazeki ukuthi lesi senzo sizoba yimbangela yokunye ukusebenza okubi ezimakethe zezimali. Ngoba empeleni, ungahle ungazi ukuthi liyini izinga lakho lokuqala noma nokuthile nokuthile kepha kanjani ukuthi kunganqunywa siyini isikhathi sokuhlala lapho imisebenzi yakho yemakethe yamasheya kufanele iqondiswe khona. Noma into elula njengokungazi iqiniso lamanani anqume ukuthenga kwakho. Hhayi ngeze, awukwazi ukukhohlwa ukuthi lokho okumayelana nokwenza ibhalansi phakathi kwezinsizakusebenza nezidingo ngokuhamba kwesikhathi.
Ukungahleleli ukutshalwa kwemali kungenye yeziphambeko ezinkulu kaningi phakathi kwanoma iyiphi iphrofayili yomtshalizimali. Akukona nje kuphela ukuthi kungenza ulahlekelwe yimali ekusebenzeni, kepha futhi kungenza ukuthi uguqule imigomo yaphakade. Ngalesi sizathu, kubaluleke kakhulu ukuthi uzibekele imigomo bese usebenzisa isu elifanele ukuyifeza ngaphandle kobunzima obukhulu. Vele, noma ikuphi ukungabi bikho kwencazelo yokubheja kwakho emakethe yamasheya kuzoholela ezimweni ezingafuneki ngempela.
Ungazibeki engcupheni
Mangaki amathuba olahlekile ngokungazithathi izingozi ezilawulwa kakhulu? Awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi sikhuluma ngemakethe yamasheya futhi lokhu kusho okukhulu izinga lobungozi ukwedlula eminye imikhiqizo yezimali. Ngalo mqondo, kufanele uhambisane nolayini wakho wesenzo ukufeza izinhloso zakho eziyinhloko. Ngokwesimo samanje sokutshala imali, okuwukuphela kwento ongayenza ukuthuthukisa inzuzo ngokuzivulela ebungozini obudalwe yimali. Kuyisimo sokuthi ibhalansi ye-akhawunti yakho yokuhlola ibe namandla kakhulu minyaka yonke. Ngeke ube nezinye izinsiza, ngisho nakumamodeli wokonga avela kumali engenayo engaguquki.
Futhi, awukwazi ukukhohlwa ukuthi noma ngabe ungumtshalizimali olinganiselayo, ungahle ube sesimweni sokuthatha isimo esishubile esithile. Ngaphandle komunye umgomo ngaphandle kokufeza i- inzuzo ephezulu lapho bakunikeza khona ezinye iziphakamiso zezezimali. Kunoma ikuphi, kufanele kusekelwe yiphrofayili oyethula njengomtshalizimali omncane naphakathi. Kunoma ikuphi, uma ufuna ukugcina imali oyongele kahle nangendlela ephephile, izimali ezihlanganyelweyo seziyindawo yokuhlangana phakathi kwabatshalizimali abalondolozayo nabanolaka kakhulu. Ungabheka indawo ephakathi nendawo phakathi kwalezi zithakazelo ezimbili.
Awukwazi ukubekezela
Esinye sezitha ezinkulu zabatshali zimali ukubekezela kwakhe. Kufike ezingeni lokuthi kungonakalisa konke okulindele. Akumangazi ukuthi iningi lalaba basebenzisi lenze imisebenzi emibi ngesikhathi besebenzelana nezwe lemali. Futhi ukuthi ukube balinde isikhashana bebengathola izinzuzo eziphanayo esitatimendeni sabo seholo. Ukwazi ukulinda kungenye yezimfanelo ezibaluleke kakhulu kunoma iyiphi iphrofayili yomsebenzisi wemakethe yesitoko. Njengoba uzokwazi nakanjani ngokunye kokusebenza kwakho ezimakethe zezimali.
Akumangalisi ukuthi elinye lamaphutha amakhulu ukuzama ukuthola ukubuyiselwa okuphezulu ngesikhathi esifushane. Ngaphandle kokubheka olunye uchungechunge lwezinto ezifanele kakhulu ukufeza izinhloso ezimakethe zezimali. Ukuze yonke into ithuthuke kahle, ngeke ube nesinye isixazululo ngaphandle kwe- khuzwa kakhulu bese ulandela ngokwethembeka izindlela zokubeka engcupheni. Futhi uma kungenzeka, zibekele futhi ezinye izinhloso kusukela ekuqaleni. Kepha akukaze kube ngumqondo omuhle ukuzama ukuba usozigidi ngobusuku obubodwa. Ukugijimisana akusilo umfelandawonye omuhle wokuvikela izikhundla zakho emakethe yamasheya. Izinto cishe zihlala zingahambi kahle, njengoba kungenzeka ukuthi ubonile kusuka ekusebenzeni okwedlule.
Ukungafani notshalomali
Vele, elinye iphutha elikhulu ongalenza akukhona ukwehlukanisa imali oyongile. Noma yini efanayo, yabela yona ihlukile futhi ngokukhethekile kokuvikela okukodwa noma ifa lezezimali. Akuwona amasu amahle kakhulu wokuvikela izintshisekelo zakho, okuphambene nalokho. Kuze kube seqophelweni lokuthi ukutshala yonke imali oyongele ngendlela eyodwa yokutshala imali kungenye yezindlela ezimbi kakhulu ongazakha kusukela manje. Ngeke ube nokhetho ngaphandle kokulungisa lesi sehlakalo esisebenzayo.
Umbono osebenza kakhulu wokulwa nale nkinga enkulu yokutshala imali usekelwe ekukhetheni i- izimali zezimpahla eziningi. Akumangalisi ukuthi abaphathi bayo basesimweni sokusabalalisa utshalomali ngokukhulu ukuguquguquka okukhulu. Futhi okubaluleke kakhulu, kunoma yisiphi isigaba sezimpahla zezimali. Ukuthi izokuvumela ukuthi usebenzise ngokunenzuzo ukunyakaza kwezimakethe. Ngisho nasezimo ezimbi kakhulu ezimakethe zezezimali. Kuyinto oyobe uyenzekile kaningi ongazi ukuthi wenzeni ngemali oyongile lapho izikhwama ziqala ukwehla futhi bakumema ukuthi uphume ezimakethe.
Musa ukwelulekwa
Ukuzimela ezimakethe zamasheya kungadala ukuthi ulahlekelwe yimali eningi ekusebenzeni okwenziwayo. Ngezikhathi ezithile, okungenani, kufanele wamukele imibono yalabo abazi ukuthi izimali zithuthukiswa kanjani futhi bazi ukuthi yimiphi imikhiqizo yezezimali ehamba phambili. ivumelaniswe nezidingo zakho zangempela. Ngakho-ke, uma ungeyena uchwepheshe, kungakuhle ukuthi weluleke ngochwepheshe bezotshalomali. Kuzoba yindlela elula yokuvikela izimpahla zakho. Kepha kunoma yikuphi, kumele babe ngochwepheshe abazimele futhi babe kude nentshisekelo yezentengiso noma ukuncika kumafemu athile noma izinhlobo zebhizinisi.
Lesi senzo sisebenza ngokusobala uma ulwazi lwakho lwezezimali lungabanzi kakhulu. Ngoba ekugcineni kosuku, nguwe ozogcina uthathe isinqumo ngokumele ukwenze. Ngaphezu kwalokho, kuyinsizakalo ongayenza ngebhange lakho elijwayelekile. Ngokuphelele mahhala nokuthi ungakwazi ukufinyelela nganoma yisiphi isikhathi futhi ngaphandle kwesidingo sokuqasha noma yiluphi uhlobo lwezinsizakalo. Kuyisu ozohlala unalo uma kwenzeka ukuthi umnikelo wakho udingekile.
Ukunganyakazi kakhulu
Izikhathi eziningi ukweqiwa kwe-conservatism kungakulimaza ekusebenzeni kwakho ngamanani. Kulula ukuya kwimikhiqizo yezezimali ehamba phambili ngaso sonke isikhathi futhi awafani ngaso sonke isikhathi. Ukuze yonke into ithuthuke kahle, awunaso esinye isixazululo ngaphandle kokwazi kakhulu ukuvela komnotho wamazwe omhlaba. Ukuze ngale ndlela, ukwazi ukutshala izimpahla zakho ngempumelelo enkulu. Ezimweni eziningi, ngisho uzodinga ukushintsha isu lakho noma iphothifoliyo. Kufanele uvuleleke kuwo wonke amathuba ebhizinisi eza kuwe kusukela manje.
Akudingeki ukuthi uhlale utshala imali kumikhiqizo efanayo yezezimali. Akumangalisi ukuthi kungalimaza izintshisekelo zakho. Ngoba izimakethe zezimali ziguquguquka kakhulu futhi ziyashintsha nsuku zonke. Okulungele namuhla kungahle kungalungeli ikusasa. Kufanele ukhuthele kakhulu ekufuneni amamodeli amasha wokuthuthukisa amasu amasha okutshala imali.
Impela kuzoba nochungechunge lwemikhiqizo yezimali ongakaze uzwe ngayo futhi kungakuhle kakhulu ukuqasha ngalesi sikhathi. Yebo, konke lokhu kwenzeka ngoba ungahle unganyakazi ngokweqile ebudlelwaneni bakho nezwe lemali. Kunoma ikuphi, uhlala unesikhathi sokushintsha le phrofayili elandelanayo oyethula ukwenza imisebenzi yakho ezimakethe zezezimali. Ngoba impela, ama-euro amaningi asengozini. Futhi awukwazi ukukhohlwa ukuthi inhloso yakho eseduzane ukwenza yonke imali oyongele inzuzo. Ngaphezulu kokunye ukucatshangelwa kwamasu.
Ngakho-ke uzotshala imali emakethe yamasheya.
Ungumuntu onjani? Ingabe ungumuntu obeka engcupheni, uzimisele ukulahla imali nethuba lokwenza imali eningi, noma ingabe ukhetha okuthile "okuphephile"? Ungaphendula uthini ngokulahla okungu-10% esitokweni esisodwa ngosuku olulodwa noma ukwehla okungama-35% phakathi namasonto ambalwa? Ungayithengisa yonke ngokwesaba?
Izimpendulo zale mibuzo neminye efana nayo zizokuholela ekucabangeni ngezinhlobo ezahlukahlukene zokutshalwa kwezimali zokulingana, njengezinkomba noma izimali ezihlangene ngokuqhathaniswa nesitoko ngasinye. Uma ngokwemvelo ungeyena umuntu obeka engcupheni, futhi ungakhululekile ukwenza kanjalo kodwa usafuna ukutshala imali kumasheya, ukubheja kwakho okuhle kakhulu kungaba izimali ezihlangene noma izimali zenkomba. Lokhu kungenxa yokuthi ahlukaniswe kahle futhi aqukethe amasheya amaningi ahlukene. Lokhu kunciphisa ubungozi - futhi akudingi ucwaningo lwesitoko ngalunye.
Vele ngikufisele inhlanhla endleleni yakho eya kwinkululeko yezezimali.