Lapho ubheka ukutshalwa kwezimali emakethe yamasheya, akufanele ubheke kuphela izinzuzo zemisebenzi oyenzayo. Kepha izindleko ezizotholakala kumakhomishini ibhange lakho eliyohlala likukhokhisa ngalo ngokwenza lokho Thenga futhi uthengise ama-oda ezimakethe zezimali. Noma ngabe kumakethe kazwelonke noma ngaphandle kwemingcele yethu. Ngoba kuzosho inani okungafanele ulibukele phansi futhi elizokhishwa kuzinzuzo ezinkulu ozithola ekuhambeni ngakunye okwenzayo kube semthethweni kusukela manje kuqhubeke.
Esinye isici okungafanele usikhohlwe nganoma yisiphi isikhathi ukuthi lawa makhomishini azilungisiwe esikhundleni salokho, kuzoya ngebhizinisi ovame ukusebenza ngalo. Yize kuliqiniso ukuthi umehluko ngeke uzwele kakhulu ngokuhluka kwama-euro ambalwa. Ngakolunye uhlangothi, ungasebenzisa ngokunenzuzo ukunikezwa okuningi kokuphromotha okwethulwe yizinhlangano zokuxhasa amaklayenti abo. Kwezinye izimo, ngezaphulelo ezinolaka ezehlisa lawa makhomishini emakethe yamasheya kuze kufike ku-35%. Ngenkathi ngakolunye uhlangothi, unganciphisa nezindleko zokutshala imali ngamanani aphansi.
Kunoma ikuphi, unamasu amaningi wokuqukatha lezi zindleko ekusebenzeni kwakho nezimakethe zezimali. Ngeke kube nzima kakhulu ukufaka isicelo futhi esikhundleni salokho izinzuzo zingamangaza ngempela. Ukuthi uzokuqaphela kubhalansi ye-akhawunti yakho yokuhlola kusuka kulezi zikhathi eziqondile. Kulula kuwe ukwazi lokhu kulo nyaka omusha ukuze kusuka kulolu hlelo ukwazi ukungena ezindleleni eziya khuthaza ukonga ngendlela enengqondo futhi okubaluleke kakhulu, ngaphandle kokudela noma yini maqondana nokuxhumeka kwakho nezwe elihlale liyinkimbinkimbi emakethe yamasheya.
Amakhomishini: qasha inani eliphansi
Elinye lamasu aphumelela kakhulu ukufeza le nhloso oyifunayo lisuselwa ekukhokhweni okufanayo njalo. Noma ngabe yini eyenziwa yimakethe yamasheya oyenzayo ngenyanga efanayo. Ngalolu hlelo lokukhokha ungagcina ingxenye yesithathu yamakhomishini asebenza kuwe kusuka esikhungweni sakho sesikweletu. Lawa amanani abizwa ngokuthi amaflethi azosebenza emakethe yamasheya futhi inani lalo liyahluka phakathi kwama-20 no-40 ama-euro njengenkokhelo yanyanga zonke. Kukhona futhi nokusebenza ezimakethe zomhlaba ezikhulisa inani lazo ngama-euro ambalwa.
Lesi silinganiso senzelwe abatshalizimali abenza imisebenzi eminingi ngenyanga futhi badinga ukwehlisa izindleko zamakhomishini. Uma, ngakolunye uhlangothi, ukunyakaza kwakho kunqunyelwe, ungahle ungafuni ukuqasha le mali yanyanga zonke. Phakathi kwezinye izizathu ngoba ngeke kube nenzuzo futhi ekugcineni uzokhokha imali eningi kunesidingo. Ngakho-ke, kulula ukuthi uhlaziye ngokuningiliziwe ukuthi yini iphrofayili oyethula njengomtshalizimali omncane naphakathi. Ngenhloso eyinhloko yokwenza konke ukusebenza ezimakethe zezimali kusukela manje kuqhubeke. Uzobona ukuthi kungakanani okuzohamba futhi uzosebenzisa imali encane kusuka kulo nyaka.
Imisebenzi emikhulu
Elinye lamaqhinga amancane wokusebenzisa kahle lokhu kusetshenziswa emakethe yamasheya ukwenza imisebenzi embalwa ezinkampanini kodwa ngenani elikhulu. Lokhu kungenxa yokuthi zingasizakala ama-tranches kumakhomishini anenzuzo enkulu ngezintshisekelo zakho njengomtshali-zimali omncane naphakathi. Njengomphumela waleli su elikhetheke kakhulu, ungonga ama-euro ambalwa minyaka yonke. Ngenzuzo eyengeziwe yokuthi amandla wokubuyekeza abaluleke kakhulu ngenxa yokwanda kwemali emsebenzini ngamunye owenziwayo. Ngakho-ke, le nhlangano izodinga ukukhetha okukhulu kwizibambiso okuyizinto ezithengwayo nezithengiswayo ezimakethe zezimali. Ngamafuphi, kusho ukwenziwa okukhulu kwezinsizakusetshenziswa.
Gxila kumanani ezwe
Enye yezinkinobho zokwenza ngcono ukusebenza emakethe yamasheya kusekelwe ekukhetheni izinkampani ezibalulwe kuma-indices we Izimali zaseSpain. Ngaphezulu kwamanani akhona ezimakethe ezingaphandle kwemingcele yethu. Leli su lokutshala imali elizokwenza ukonga ezindlekweni zamakhomishini. Akumangalisi ukuthi zishibhile kakhulu futhi zikuvumela ukuthi uqukethe ukukhishwa okwenziwe yilolu hlobo lokusebenza.
Futhi, une isipho esanele maqondana nokwanelisa lesi sidingo esikhetheke kakhulu. Ngayo yonke imikhakha emelwe ngemakethe eqhubekayo kazwelonke. Kusuka emaqenjini ezezimali zendabuko kuya ezinkampanini ezingenise amamodeli wakamuva kwezobuchwepheshe. Ngeke uswele noma yini futhi uzomangala ukuthi ngeke kudingeke ukuya phesheya ukuyotshala imali yakho ezimakethe zezimali.
Thatha ithuba lokunikezwa kwephromoshini
Olunye lwezinhlelo ezingalokothi zehluleke ukonga imali emakethe yamasheya lwenziwa ngokusizakala nge imali yokugibelainikezwa izikhungo zezikweletu. Uyabona ukuthi umehluko ungaba banzi kakhulu. Okungakongela kuze kufike kokungaphezulu kokuyishumi kokusebenza ngakunye kokuthenga nokuthengisa. Kuzodingeka uhlaziye kuphela okunikezwayo amaqembu ezezimali ahlongoza ukuthi asebenze nalezi zimakethe. Bangakwazi nokufinyelela ekukhushulweni okunganelisa kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi.
Imakethe ngayinye inesilinganiso sayo
Ungahle ungazi, kepha akuzona zonke izimakethe zamasheya ezinekhomishini efanayo etholwa yilezi zinhlobo zokusebenza. Njengomphumela walesi sici, ngeke ube nokuzikhethela ngaphandle kokugxila ezindaweni zomhlaba wonke. ngamanani angcono ngalezi zilinganiso. Ngoba nakanjani uzothola elinye inani elisesimweni sokukuvumela ukuthi uthathe izikhundla. Ngokuqinisekile akudingeki uye kokukhulu kakhulu. Ngoba ungahle ungabi nesizathu esizwakalayo sokuya kuleyo makethe yezimali. Okungenani kwanele ukucabanga ngaphezu kokuphindwe kabili.
Nweba isikhathi sokuhlala
Vele, ukunweba imigomo yokuhlala unomphela kungakusiza ukuba uqukathe izindleko zamakhomishini. Ngesizathu esilula futhi lokho kungenxa yokuthi uzokwenza imisebenzi embalwa kunakuqala. Futhi-ke uzokwenza kube semthethweni bambalwa abathenga futhi bathengise ama-oda. Futhi ngaleli qhinga langempela ungagcina ama-euro ambalwa unyaka wonke. Yize kuzofanele ukuthi uhlele ukuthi yiziphi izikhathi zokugcina okufanele imisebenzi yakho emakethe yamasheya iqondiswe ngayo. Akufanele naphansi kwanoma yiziphi izimo ukuthi wenze ngcono ukunyakaza kwakho. Ngoba kungaba nomthelela omubi kubhalansi ye-akhawunti yakho yokuhlola.
Ungenzi imisebenzi eminingi kangaka
Yize kungukucindezelwa ngandlela thile, ungangabazi ukuthi uzozifeza izinhloso zakho ezisheshayo ngokusetshenziswa kwayo. Ngoba futhi kudinga ukuthi ube okuningi okufuna kakhulu kusuka manje. Akudingeki ukuthi utshale imali unyaka wonke. Udinga amakhefu azokusiza uthathe amandla amasha wokusebenza okulandelayo ezimakethe zezimali. Njengoba uzobona, kukhona izinzuzo eziningi kunokulimala ukuqaliswa kwemisebenzi ehlukene kungakulethela, akunangqondo. Kuyinto engakulethela izinkinga nganoma yisiphi isikhathi sonyaka.
Kusuka kuzingxenyekazi zezezimali
Esinye seziphetho okufanele ufinyelele kuso ukuthi akudingekile ukuthi usebenze emakethe yamasheya kunoma yiliphi ibhange. Uma kungenjalo, ngokuphambene nalokho, ungenza ukunyakaza kwakho kokuthengwa nokuthengiswa kwemakethe yamasheya ngokusebenzisa amapulatifomu ezezimali. Akumangalisi ukuthi ezimweni eziningi bayethula amakhomishini ancintisana kakhulu futhi nensizakalo yokweluleka ngokutshala imali esebenza kahle kakhulu. Ukuthi ingakunxephezela ngalolu shintsho ekuphathweni kwephothifoliyo yakho. Kunamapulatifomu amaningi atholakala ensimini yethu. Ngisho nasezindleleni eziku-inthanethi ukuze ukwazi ukutshala izimpahla zakho ekhaya lakho.
Ukubhanga ku-inthanethi, ngamanani ashibhile
Akungabazeki ukuthi imisebenzi eyenziwa nge-Intanethi inamanani ekhomishini ancintisana kakhulu. Lapho ungonga khona kuze kufike ku- uhhafu wentengo yayo. Ngenzuzo eyengeziwe yokuthi ngeke kudingeke uye egatsheni lasebhange ukuze usayine igunya lokuthenga nokuthengisa. Uma kungenjalo, kunalokho, ungabaphatha kusuka noma ukuphi. Ngisho nasendaweni oya kuyo yeholide noma ohambweni okufanele ubhekane nalo kusukela manje kuqhubeke.
Ngalesi sikhathi, iningi lamabhange linale nsizakalo yamakhasimende. Ngaphandle kokucabanga ayikho inkokhelo okungeziwe ezindlekweni ezikhiqizwe yimisebenzi ezimakethe zezimali. Kungumkhuba wokuthi inani elikhulayo labasebenzisi likhuluma ngalo njengamanje. Kuze kube seqophelweni lokuthi ngeke uzuze imali kuphela, kodwa futhi nesikhathi nenduduzo yokubhekana nanoma yiluphi uhlobo lomsebenzi ukwenza imisebenzi yakho ibe nenzuzo.
Isu elisetshenziswe yiningi labantu abasha abafuna ukwengeza ubudlelwano babo nezwe lemali elihlale liyinkimbinkimbi. Kusukela manje ungaba ngomunye walaba bantu. Ngaphandle kwephrofayili oyethula njengamanje: ulaka, ulinganisela noma uphakathi. Ngemuva kwakho konke, kuyinzuzo enkulu yokuhweba emakethe yamasheya.