Enye yezinto ezintsha okungenzekanga ukuhwebelana kwembulunga yonke ekutshalweni kwemali akulethanga ukuvela kwamapulatifomu amaningi ezezimali edijithali lokho awagxile kumkhiqizo owodwa. Uma kungenjalo, kunalokho, bahlanganisa imisebenzi ehlukene ezimakethe zokulingana nezokuhweba. Kusuka kuzinketho zesikhathi esizayo ukuvumelanisa umehluko. Ngaphandle kokukhohlwa ezinye zezimali zendabuko ezingaphezulu kwendawo yokutshala imali, njengezinto zokusetshenziswa.
Lezi zingxenyekazi zezimali zedijithali zisivumela ukuthi sikwazi ukufinyelela kokuqukethwe ngemizuzu embalwa kakhulu futhi ngalokho sifeze noma yikuphi ukusebenza ezimakethe zezezimali. Akudingekile ukuba ne-akhawunti yokuhlola noma ulondoloze ubudlelwane obuzinzile nomhlinzeki. Ngakho-ke kuzodingeka kuphela ukubhalisa ngochungechunge lwemininingwane eyisisekelo futhi lokho ngeke kwephule ubunikazi bethu. Kunoma ikuphi, lezi zingxenyekazi eziku-inthanethi zivela kunoma iyiphi indawo emhlabeni, noma zivela emazweni aseningizimu-mpumalanga ye-Asia.
Ekuqaleni, kuzosinikeza ithuba lokusebenzisa kunoma iyiphi impahla yezezimali, noma ezinye zazo kuze kube manje besingenazo izindaba. Ngenzuzo yokuthi singathuthukisa ukutshalwa kwemali ngemali encane kakhulu, cishe ama-euro ayi-20. Ngesilinganiso esiphakeme kakhulu futhi esingatholakali kweminye imikhiqizo ejwayelekile yezezimali. Vele, kuyisilingo esikhulu sengxenye enhle yabatshalizimali abancane nabaphakathi. Kepha qaphela kakhulu lezi zingxenyekazi, ngoba zingaba yingozi kuzintshisakalo zabo.
Amapulatifomu wokuhweba: umthetho wabo
Isici sokuqala okufanele sibheke ebuhlotsheni bethu nezinkundla zezimali zedijithali ziyasivumela kulawulwa kahle. Akumangalisi ukuthi okwamanje kunenani elihle labo elingazange lidlule kule nqubo ebaluleke kakhulu ukuqinisekisa ukusebenza okwenziwa kunoma iyiphi imakethe yezezimali, noma ngabe yini. Ngokwalo mbono, ngaphansi kwanoma yiziphi izimo akufanele sibambe iqhaza kulolu hlobo lwamapulatifomu ezezimali edijithali avumelayo. Phakathi kwezinye izizathu ngoba singamane silahlekelwe yimali ebekiwe noma singayitholi inzuzo etholakalayo eyenziwe.
Ngakolunye uhlangothi, asikwazi ukukhohlwa lokho uma kukhulunywa nge imisebenzi enobungozi obukhulu Kusho ukuthi ezimweni eziningi kunamandla aphakeme kakhulu nokuthi awekho kweminye imikhiqizo ejwayelekile noma eyejwayelekile yezimali. Lokho wukuthi, ngaleli su lokutshala imali ungathola imali eningi kakhulu ekusebenzeni okwenziwayo. Kepha ngokuphambene nalokho, ubungozi bukhulu kakhulu futhi kuze kube seqophelweni lokuthi ungakwazi ukushiya cishe yonke imali etshaliwe. Kuyisici okufanele usazise ikakhulukazi uma ukhetha le modeli yokuthinta izimakethe zezezimali.
Akuyona imisebenzi ejwayelekile
Ezingxenyeni zokuhweba zedijithali, ongakutholi nakanjani yimikhiqizo obukade uyisebenzisa ne-bank yakho ejwayelekile. Ngalo mqondo, ukuthenga nokuthengisa amasheya emakethe yamasheya zinqotshiwe ngezindlela ezinolaka kakhulu nokuthi mhlawumbe awuzange usebenze nazo empilweni yakho yonke. Lokhu kungenye ingozi ebandakanyekile ekwenzeni le misebenzi ezimakethe zezimali. Akumangalisi ukuthi ubhekene nomkhakha ohlukile, ongaphezulu kokutshalwa kwezimali ophathelene nokuqagela okunzima nokumsulwa.
Ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi le mikhiqizo yezezimali idinga ukufundwa okukhulu komsebenzisi. Akwanele ngesifiso soku thola inzuzo enkulu yemaliKuyadingeka futhi ukuhlinzeka ngolwazi olujulile ngalezi zimakethe zezimali ezikhetheke kakhulu futhi eziyingozi. Akufanele wenze ngcono ekusebenzeni kwakho ngoba kunjalo, into engenzeka kakhulu ukuthi ukuhlolwa kuzokuvela kabi kuwe nemiphumela yako kubhalansi ye-akhawunti yakho yokonga kungacindezela ngempela. Lesi ngesinye isici okufanele usicabangele ekuhlaziyweni kwenhloso nokuthembekile kwamapulatifomu wokuhweba edijithali.
Ubukhona ezinkundleni zokuxhumana
Uma lezi zinkundla zokuhweba zedijithali zibonakala ngokuthize, kungenxa yazo ubukhona obusebenzayo kakhulu ezinkundleni zokuxhumana. Ngempela, zifakiwe kuma-akhawunti aphathelene kakhulu nomphumela ophindwe kabili. Ngakolunye uhlangothi, xhumana namakhasimende akho zonke izinhlobo zezindaba maqondana nepulatifomu yedijithali, ngakolunye uhlangothi, xazulula noma ikuphi ukungabaza abangakuletha nganoma yisiphi isikhathi. Kusuka kule mibono, kuyithuluzi elenza izinto ezintsha kakhulu elingakunika umbono ongaphezu kowodwa wokuhambisa izimali ezinhle kakhulu ezikhona kumzuzu ngamunye nesimo ngasinye. Yinto enhle kakhulu kuleli banga labasebenza ngezimali. Ngale kokunye ukucatshangelwa kwezobuchwepheshe.
Esinye isici okufanele silinganiswe kulezi zingxenyekazi zokuhweba zedijithali ukuthi zinezinhlelo zokusebenza ezinamandla ukuze ukwazi ukuphatha ukuqapha ukusebenza kunoma iyiphi idivayisi yezobuchwepheshe. Ngalo mqondo, kungukusekelwa okuhle kokusebenza kwakho ezimakethe zezimali nangaphezulu kwezingozi ezibandakanya ukunyakaza kwazo konke. Akumangalisi ukuthi zihlobene kakhulu nobuchwepheshe obusha emakethe. Okuthile okungenzeki, ngokwesibonelo, ngemisebenzi yakudala emakethe yamasheya.
Ukutshalwa kwezimali kuzimpahla zezimali
Izimpahla zezimali imisebenzi yakho engaba ngaphansi kwazo azinakubalwa futhi zinemvelo ehlukahlukene futhi kuya ngezimpawu zamapulatifomu wokuhweba edijithali. Ezinyangeni ezedlule, i- utshalomali ezimali zedijithali, ikakhulukazi ku-bitcoin, kodwa futhi kwesinye isizukulwane sokugcina esingaziwa. Ubungozi balezi zinto ezihamba phambili bukhulu futhi kwasekuqaleni kuzodingeka uhlaziye uma ngabe opharetha ngokushintshana ngababili elawulwa ngumzimba onekhono. Ngeke sikhohlwe ukuthi kulokhu, ngeshwa kube nokukhwabanisa okuthile ngonyaka odlule.
Ngenkathi kwenzeka okuphambene nalokho, ezinyangeni zamuva nje kuye kwavela ezinye izimpahla ezejwayelekile zezimali. Kuyicala elithile le- Izimpahla nalabo ozoba nezinkinga eziningi ukufinyelela kuzo ngezinye iziteshi zokumaketha. Phakathi kwalabo abavelele izinsimbi eziyigugu (igolide, isiliva, i-platinum, njll.) Ukuze ukwazi ukwenza inzuzo ngokulondolozwa ngenani eliphephile le-par ubuhle. Ubhekene nokungazinzi nokuntengantenga kwezimakethe zezimali. Njengabanye njengezinto zokusetshenziswa, uwoyela ovelele ngaphezu kwakho konke. Ngalo mqondo, akukho kungabaza ukuthi amathuba ebhizinisi avulekele wena ngaphezu kokunye ukucatshangelwa okuncane.
Idiphozithi nokukhishwa kwemali
Lezi zinkundla zokuhweba ezidijithali zisebenza ngaphansi kwemingcele ehluke ngokuphelele uma kuqhathaniswa namanye amaqembu okutshalwa kwezimali noma izinhlangano zezezimali. Lapho kuzodingeka khona ngokuphelele wenze idiphozi yemali ukuqala ukusebenza kulezi zimakethe zezimali. Ukufika ezingeni lokuthi amanye amapulatifomu wokuhweba edijithali adinga idiphozi encane. Ngaphansi kwesamba esiphakathi kwama-euro ayishumi nangu-10, yize kukhona namanani afunwa kakhulu enzelwe abathengisi abangochwepheshe. Njengamakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo.
Ngaphansi kwecebo elifanayo, ukukhishwa kwemali kwenziwa emapulatifomu okuhweba edijithali. Okwenza lokho sebenzisa izindlela ezahlukene zokukhokha: ukudluliselwa kwebhange, amakhadi wesikweletu noma ama-debit kanye nezinsimbi zokugcina zikagesi ezikhonjiswe kahle kulesigaba sokusebenza kwezezimali. Ngokungafani nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya noma eminye imikhiqizo yezezimali: izimali zokutshala imali, izincwadi ezigunyaza noma ezinye ezinezici ezifanayo. Kunoma ikuphi, ukuguquguquka kokwenza le nyakazo yemali kuzoba okuphelele.
Ukuhweba kwesikhathi esizayo
Eminye imikhiqizo ekhona kakhulu kuleli banga lamapulatifomu okuhweba ngokwedijithali yilezo ezitholakala ekusebenzeni kwesikhathi esizayo. Hhayi kuphela ezimakethe zezimali, kodwa nakwezinye izindlela ezifana nezinsimbi eziyigugu, izimali ezibonakalayo noma izinto zokusetshenziswa. Ngokwalo msebenzi, akungabazeki ukuthi amapulatifomu wokuhweba edijithali akha ithuluzi elisha lokutshala imali kodwa ngaphansi kwezici zayo. Lapho kunganele ukutshala imali, kodwa ukulungela ukwenza le misebenzi eyinkimbinkimbi kulezi zimakethe ezikhethekile zezezimali.
Akungabazeki ukuthi laba opharetha bokutshala imali phakathi kwabantu banzima kakhulu. Akekho ongabaza lokhu ngalo mzuzu oqondile futhi kuwukuhlakanipha kakhulu ukuba njalo uqaphele ukuvula izikhundla kwezinye zezimpahla zezimali ezitholakala kuzingxenyekazi zokuhweba ezidijithali. Lapho inhloso eseqhulwini ukusindisa ingxenye yeminikelo yakho yezezimali ngenxa yengozi enkulu yokuthi lolu hlobo lomsebenzi lufaka emakethe, njengoba besikuchazelile phambilini.
Enye yezinjongo zakho ezisheshayo kuzoba ukuhlaziya uma kukufanele ngempela ukuvula izikhundla kumikhiqizo yezezimali eziyinkimbinkimbi njengalezi. Ngoba kungenzeka ukuthi awunaso isidingo sokubeka engcupheni imali yakho kwezentengiselwano ezinamandla kakhulu. Lapho kuwo wonke amathuba okuba ulahlekelwe okuningi kunokuwina kuzo zonke izimo ezingenzeka. Akumangalisi ukuthi uzoba nendlela encane yokuzivikela kunakweminye imikhiqizo ejwayelekile yezezimali. Ukuthi ekupheleni kosuku kuyinto okufanele uyibheke kusuka manje.