Esinye sezici ezibaluleke kakhulu zokutshala imali ngempumelelo ukuba nolwazi oluhle lwezezimali ukuze uqondise izenzo zakho emakethe yamasheya. Lokhu kuzoba yisici esibalulekile ekukhuliseni inzuzo kukho konke ukutshalwa kwezimali okwenzayo. Kuzokusiza futhi ukuqeda imikhuba ethile emibi elimaza kakhulu imakethe yamasheya, ikakhulukazi leyo evamile kubatshalizimali abangenalwazi.
Ulwazi lwezezimali lutholakala ngolwazi oluhlukahlukene, futhi, vele, ngolwazi olutholakala ekuthengisweni kwemakethe yamasheya . Okuningi kwalokhu okuhlangenwe nakho kungase kuvele ebuhlotsheni obubi nomkhakha wezabelo. Ungase ulahlekelwe ngisho nenye yemali oyilondolozile ngaphambi kokuba ulungele kahle ukuhweba emakethe yamasheya nganoma yisiphi isiqiniseko.
Uma uxoxa ngolwazi lwezezimali, isinyathelo sokuqala ukuthola ulwazi oluphathelene nokuziphatha kwezimakethe zezimali nokuthi ungasebenza kanjani ngaphakathi kwazo. Lokhu kubalulekile ekuvuleni izikhundla zakho zokuqala ezimakethe zamasheya. Lesi sihloko sizochaza ukuthi ungaluthuthukisa kanjani lolu lwazi nokuthi yiziphi izidingo ozodinga ukufeza le migomo.
Ungayitholaphi imfundo yezezimali?
Uma ungekho esimweni esifanele sengqondo ngoba ungenalo ulwazi lwezezimali lokuthatha isinyathelo sokuqala bese utshala imali yakho ezimakethe zezimali ezinjalo, ngeke ube nakukhetha ngaphandle kokulungiselela umhlahlandlela omfushane ochaza imithombo yalolu lwazi. Ungakufeza lokhu ngokuzifundela , ngesivinini sakho, nangokuya ngolwazi lwakho kanye nezici zakho njengomtshalizimali omncane.
Kuzodinga ukuzibophezela kwesikhashana, kodwa okuvamile, kuwe ukuze uqonde ukuthi izimakethe zamasheya zisebenza kanjani nokuthi ungahweba kanjani kuzo. Kuzobaluleka ukujwayelana nazo zonke izindlela ezivame ukwenziwa yizingcaphuno zamanani kumashadi. Lokhu kuzobaluleka ekuhlaziyweni okuningiliziwe kwalesi sici sokutshala imali.
Ungaluthola kanjani lolu lwazi? Sesishilo kakade ukuthi ungafunda wedwa, kodwa ukuze uphumelele kakhulu, ungaya ezifundweni eziningi kanye nezingqungquthela ezinikezwa amabhange kanye nabathengisi bamasheya , lapho lezi zinqubo zichazwa khona. Futhi okubaluleke kakhulu, zinikeza isiqondiso sokuqala sendlela yokutshala imali ekongeni ku-akhawunti yakho yokuhlola. Lezi zifundo ngokuvamile zimahhala, ngakho akudingeki wenze noma yimuphi umzamo wezezimali ukuze ube khona.
Ukufundisa ngeziteshi eziku-inthanethi
Ungase ungabi nesikhathi sokuya kulezi zifundo zemakethe yamasheya, noma ungase ukhethe ukunikela isikhathi sakho kweminye imisebenzi engahlobene nokutshala imali. Ungakhathazeki kakhulu, njengoba amabhange amaningi enikeza ulwazi oludingekayo kakhulu ezinkundleni zawo eziku-inthanethi . Ngenxa yalokho, ungathola ulwazi lwakho lokuqala lwemakethe yamasheya ngokunethezeka ekhaya, ngesikhathi esikufanele kakhulu, kuye ngokutholakala kwekhadi lakho lesikweletu.
Lezi zifundo ezimfushane zizoba yisizathu esifanele sokuthatha izinyathelo zokuqala zokuba nolwazi oluthe xaxa ngezezimali. Zizoba usizo olukhulu ekuphatheni imali yakho eyongiwe uma utshala imali kumasheya, imikhakha, noma izinkomba zemakethe yamasheya. Futhi ungasebenzisa lolu lwazi kokubili ezimakethe zasekhaya nezamazwe ngamazwe. Okudingayo nje ukuzimisela ukufunda.
Bazokunikeza iziqondiso zokuqala zendlela yokuziphatha ebudlelwaneni bakho obuseduze nezimakethe zezimali. Hhayi nje imakethe yamasheya, kodwa nezinye izimakethe ezihlukile : izimali, izimpahla, izinsimbi eziyigugu, njll. Uzoqaphela kancane kancane imiphumela njengoba uhlanganisa imiqondo enikezwe kulezi zifundo zokuqeqeshwa kwemakethe yamasheya ezimfushane.
Ukuzama ukusebenza
Lapho usukulungele ngokwengeziwe ukushayela imisebenzi yangempela, ngeke ube nokunye ongakwenza ngaphandle kokukusebenzisa ngokulingisa. Ngaphandle kokubeka engcupheni i-euro eyodwa kunoma yikuphi ukusebenza kwamasheya. Kunezinsimbi ezinikwe amandla ngamanye amabhange nezinkundla ze-inthanethi ezivumela ukusebenza okulingisiwe emakethe yamasheya. Ungazenza zibe semthethweni isikhathi eside njengoba ufuna, futhi uze ubone ukuthi uthuthukile ekunyakaziseni okunyusa ezimakethe zezimali.
Ngeke udlale ngemali yangempela; lokhu kuyimisebenzi ye-inthanethi eyenzelwe ukukufundisa ukuthi ungasebenza kanjani emakethe yamasheya. Futhi noma kunjalo, kuzokunikeza ulwazi oludingekayo ukuze ufinyelele ezimakethe zangempela, utshale imali yakho futhi uphathe konke ukuthengiselana kwakho.
Lokhu kuzoba yingxenye yenqubo yokuthola ulwazi oluthe xaxa lwezezimali ukuze utshale imali yakho yokonga nganoma yimuphi umkhiqizo wezezimali: ukuthenga nokuthengisa amasheya, ikusasa, amawaranti, izimali ezithengiswa ngokushintshana, njll. Kuzodinga ukuzinikela okuncane kuphela , futhi ngaphezu kwakho konke, amandla amaningi okuba ngumtshali-zimali omncane, kusukela manje kuqhubeke, ozokwazi ukwenza imali yakhe ikhule, ngamazinga ahlukahlukene empumelelo.
Imininingwane mayelana nokuphepha
Ingxenye enzima kakhulu yale nqubo yokufunda imfundo yezezimali isala, futhi lokho kungaba yilezo ezibiza wena kakhulu ukufeza. Futhi lokho akuyona enye ngaphandle kokuzama ukuqonda ukuthi ungasebenza kanjani nezinkampani ezakha izinkomba eziyinhloko zemakethe yamasheya. Ngeke ube nokunye ongakwenza ngaphandle kokubona ukuvela kwazo emakethe yamasheya, futhi nakanjani imigqa yebhizinisi abazinikele kuyo.
Akuyona into engaqondakali ukuthi isitoko se-blue-chip esiku-Spanish stock exchange asifani nezinkampani ezincane ezibhalwe kuma-secondary indices. Lokhu kokugcina kudinga ukuqonda okujulile okunganikezwa ngabatshalizimali abanolwazi kakhulu. Uma ungeyena omunye wabo, kungcono ukugwema ukuhweba ngabo uze uqonde amasu abo. Ukunyakaza kwabo kungadala izingozi eziningi.
Ngemva kwalezi zinyathelo, kuzoba yisikhathi esifanele sokuhlolisisa ngokujulile izici zamasheya athengiswa emakethe yamasheya , okungenani ngeqembu elikhethiwe lalawo okungenzeka abe yizimali zakho zokuqala zokutshala imali. Ngokuqinisekile, ngemva kwezinsuku ezimbalwa zokuzijwayeza lokhu, uzokwazi ukuhweba ngezimakethe ngokuzethemba okukhulu nangokuqiniseka ukuthi izimali zakho zizovikelwa.
Ulwazi ngemikhiqizo yezezimali
Sekuyisikhathi sokunikela isikhathi sakho sokufunda ngemikhiqizo ehlukene yezezimali enikezwa amabhange kanye nabalamuli ukuze bahwebe emakethe yamasheya. Lokhu kuzoba enye indlela yokwandisa ulwazi lwakho lwezezimali. Ngaphezu kwalokho, kuzokunikeza ithuba lokuzama ngayo ngokuhweba okubonakalayo, ngaphandle kokutshala imali ngisho ne-euro eyodwa.
Kufanele uqaphele ukuthi eminye yale mikhiqizo iyinkimbinkimbi kakhulu futhi idinga ukufunda okuthile kuwe. Ngempela, ungalahlekelwa yimali eningi ekuhwebeni ngakunye . Futhi noma kunjalo, ayifaneleki kuzo zonke izinhlobo zabatshalizimali, kodwa kuphela kulabo abanolwazi olukhulu emkhakheni wokutshalwa kwezimali.
Ungazibeka phambili lezi zinhlobo zokutshalwa kwezimali ngokusekelwe ezidingweni zakho ezithile. Akuwona wonke amamodeli afanayo, futhi adinga ulwazi oluthile okufanele uluthole ngaphambi kokubhalisela kuwo ukuqinisekisa ukuthi uneziqinisekiso ezidingekayo. Lena ngokuqinisekile izoba yindlela engcono kakhulu yokuqala ukuhweba nawo nokunciphisa ezinye zezingozi ezihambisana nalezi zinhlobo.
Izinkinobho zokuqala emakethe yamasheya
Lapho usuyinyusile imfundo yakho yezezimali, uzokwazi ukuthola imisebenzi, hhayi ngaphandle kwezinyathelo ezithile zokuvikela ukonga kwakho. Futhi lapho, khona-ke, ngeke ukhululwe kunoma imuphi umthelela omubi ongavela ekusebenzeni kwakho. Khumbula ukuthi imakethe yamasheya akuyona isayensi ekhululiwe, futhi noma yini ingenzeka. Akunangqondo yokuqonda indlela abaziphatha ngayo.
Kule ndlela ejwayelekile, kuzohlala kukuhle kakhulu ukuthi usebenzise uchungechunge lwemikhombandlela ezosiza kakhulu ukuze ukwazi ukwenza imali oyongile ibe nenzuzo. Futhi nokuthi bazoqala kulezi zimo ezilandelayo esikuphakamisa zona manje.
- Imayelana thola lonke ulwazi ngaphambi kokungena ezimakethe zezimali, noma ngabe kusho ukubambezeleka kokuvula izikhundla zakho.
- Ungasebenzisa iziteshi ezahlukahlukene ukuzihlomisa ngazo ukwandisa imfundo yezezimali, kusukela kumathuluzi ahlinzekwe yibhange lakho, kuya kuzingxenyekazi eziku-inthanethi ezinikwe amandla okutshala imali emakethe yamasheya.
- Kukhula ubunzima bemikhiqizo yezezimali, ulwazi oluzoba lukhulu ngokwengeziwe, kukuthatha izinsuku eziningi kulo msebenzi onzima omiselwe ukutshalwa kwezimali.
- El ukufunda Kuzoba ngenye yezinkinobho ozidingayo ukuze ufeze izinhloso zakho, ayikho imizamo eminingi ohlangothini lwakho. Futhi nokuthi ungakwazi ukwenza okusemthethweni ngokusebenzisa imisebenzi ebonakalayo.
- Uma ungazi ukuthi yini ukutshala imali emakethe yamasheya, kungcono yeka imizamo yakho wokufaka imali okonga impilo yonke. Kuzoba ngaphezulu okufanele ulahlekelwe yikho ukuwina. Ungakhohlwa ngaphezu kokunye ukucatshangelwa.
- Inhlanhla ayikho kwizimali, kodwa kunalokho a ulwazi lwezimakethe zezimali Yibo abakunikeza izinkombandlela ezidingekayo zokuzifaka nokuzikhipha ngokujwayelekile.
- Ngaphambi kokutshala imali, cabanga ngalokho ofuna ukukwenza ngemali yakho. Hhayi ngeze, ubeka engcupheni ingxenye ebaluleke kakhulu yengcebo yakho. Futhi ngeke kube yindaba yokuyimosa emahoreni ambalwa. Ungakhohlwa ukuthi isikhwama siyinto ebucayi kakhulu engahloselwe wonke amaphrofayli wabasindisi. Ingabe kuyicala lakho?