Emisebenzini yemakethe yamasheya, akudingekile nje kuphela ukubala izinzuzo imisebenzi engaletha. Uma kungenjalo, kunalokho, kubaluleke kakhulu ukwazi ukuthi ungathengisa kanjani ngesikhathi esifanele. Le nhlangano izoncika kakhulu ku- impumelelo yokusebenza ezimakethe zokulingana. Ngoba mhlawumbe uyazi ukuthi kuya ngokuthengiswa okuhle emakethe yamasheya, umehluko wama-euro amaningi ungaxhomeka ekusebenzeni. Ngalo mqondo, akungabazeki ukuthi ukuthengisa kubaluleke kakhulu kunokuthenga.
Ngesikhathi esifanele lapho inzuzo enkulu iqala ukuvela ekutshalweni okwenziwe, kujwayelekile kuwe ukuthi uzibuze ukuthi ngabe ukulungiselelwa okufanele ukuthengiswa noma okuphambene nalokho kungcono ukulinda ukuthi izinzuzo zikhule kakhulu. Ukuze ukhethe isu elilodwa noma elinye, kuzodingeka ukuthi ngaphambilini wakhe izinhloso ezithile ekusebenzeni emakethe yamasheya. Zingaqondiswa ngokuya ngemigomo yokuhlala unomphela lapho ziqondiswe khona futhi ngisho kuya ngemali enikelwe. Zombili lezi zinhlaka zizokunikeza impendulo kulezi zindlela ezibaluleke kakhulu zokutshala imali.
Vele, kunezimo lapho into enengqondo kakhulu ongayenza ukubamba utshalomali kuze kube yilapho uthola amanani angcono kwikhotheshini yalo. Noma okungenani kuze kuvele amasiginali akhombisa ukuthi sekuyisikhathi sokuhlehlisa izikhundla ezimpahleni zezimali ezitshaliwe. Ngoba kunengozi enkulu yokuthi amanani ingawa ngesikhathi esifushane kakhulu futhi ngale ndlela yonke inzuzo etholakele kuze kube manje iyahwamuka. Ngokulahleka okulandelayo esitatimendeni sakho semali engenayo.
Ukuthengisa nini?
Ngaphambi kokuphendula lo mbuzo obalulekile emakethe yamasheya kunengqondo ukucabanga ukuthi kufanele ukhethe isu lokutshala imali elihlanganisa ukuphepha nengozi. Ngaphezu kwakho konke ukugcina imali, kepha futhi nokuzama ukwenza ngcono imiphumela yokusebenza kwakho ezimakethe zezimali. Ngoba kungahle kube inkinga lapho kuvela khona okungcono thengisa ngokukhubazeka noma ungene ngokujulile kuzo futhi wenze ukulahlekelwa kwakho kubonakale kakhudlwana. Lesi yisimo lapho bonke abatshalizimali abancane nabaphakathi bezama ukugwema amanye amasu ekusebenzeni.
Ngakolunye uhlangothi, iqiniso lokuthi ukuthengisa emasakeni akumele kube ngandlela thile iqiniso, kepha okuphambene nalokho kufanele kube umkhiqizo wokuhlela okulungile. Ngaphandle kokuthi zikhona intengo inyuka kukhulu kakhulu, kepha ngasikhathi sinye kungalindelekile. Ngemuva kwalokho ungathatha lesi sinqumo ukugcina izintshisekelo zakho. Yize kuyisici okufanele usichaze ngokuya ngezinye izindlela ku utshalomali nokuthi kungaba yinto engeyona elula njengoba ucabanga kuze kube manje. Ngakho-ke, kufanele ucabange ngalesi sici esifanele ekuhwebeni emakethe yamasheya.
Beka izinhloso ezithile emakethe yamasheya
Okokuqala, kunconywa ukuthi uzibekele imigomo engacatshangelwa ngokuphelele. Kwezinye izimo kungaba ngu-5%, kwabanye kube ngu-7% kuze kufike ku-10% noma ngisho no ukukhuphuka okukhulu ngokwengeziwe. Ngokwalo mbono, akulungile ngokuphelele ukusetha izinhloso ezingeyona inhloso enkulu noma ezisuselwe kulwazi olungenasisekelo esincane noma ukungathembeki okubeka ukubuyekezwa ngaphezulu kuka-30% noma u-40%. Ngaphandle kokuthi izimali ziqondiswe esikhathini eside.
Ngakolunye uhlangothi, lapho sekungeniswe inzuzo, noma ngabe incane kangakanani, kuhlale kunesilingo sokuvala izikhundla ukuze kutholwe inzuzo enkulu. Isinqumo sokugcina sincike ngokuyisisekelo kunqubo lapho utshalomali lwakho luqondiswa khona ezimakethe zezimali. Ezimweni eziqinile ukungazinzi kwezezimali noma imakethe yamasheya kungaba yisinqumo esingcono kakhulu ongasenza. Yize kuzimo ezingathathi hlangothi noma ezihamba phambili kungaba iphutha elikhulu kakhulu ukuvala izikhundla kusenesikhathi. Kulokhu, kunconywa kakhulu ukuvumela izinzuzo ziqhubeke kuze kube yilapho izinhloso ezibekiwe zingafinyelelwa, uma zenzeka.
Nciphisa ukuphoqelelwa kwe-oda
Esinye sezici ezifanele kakhulu ngaphakathi kwalesi sigaba iphuzu eliyisithenjwa ukuthi ukukuvimbela ekwenzeni ukuthengisa ngesikhathi esifanele kungakudalela inkinga engaphezu kweyodwa. Ngalo mqondo, enye yezinyathelo eziphumelela kakhulu ivela kulokho okuyizindlela ze- ama-oda kusuka ku- ukuyeka ukulahlekelwa, kuya ngokulahlekelwa abatshalizimali abangakucabanga. Akusizi ngalutho, lokhu kukwenza ukuthi ukukhubazeka kungakhuliswa esitatimendeni sakho semali engenayo. Kuze kube seqophelweni lokwenza ucabange kuphela ukulahlekelwa ongakucabanga ngokuthengiselana ezimakethe zezezimali. Ngaphezu kwalokho, ngeke zikubize i-euro eyodwa ekuphathweni kwayo ngoba imahhala ngokuphelele.
Kwamanye amazinga wokusebenza, izimo ziyakhula lapho, ngenxa yokwesaba ngokweqile kobungozi, ungakwazi khansela ukusebenza ezinamandla amakhulu okubonga. Ngale ndlela, uzobe wenza imisebenzi enenzuzo kuphela emakethe yamasheya emazingeni aphansi kakhulu. Ukwazi ukuthi ungathola okuningi okuningi ngokuhamba. Leli elinye lamaphutha avame kakhulu ukwenziwa ngabatshalizimali ngokufunda okuncane ezimakethe zezimali ngakho-ke kufanele ugweme ukukwenza kusuka manje.
Imihlahlandlela yokusebenza kotshalomali
Kunoma ikuphi, ngeke neze kukulimaze ukulandela izeluleko ezithile ezilula zokwenza izimpahla zakho zinenzuzo futhi wazi ukuthi ungathengisa kanjani ngesikhathi esifanele. Ezimweni eziningi uzonikezwa ngokuvela kwezimakethe zezimali uqobo lwazo, kepha kokunye kuzodingeka uzisusele kulwazi olucatshangelwe ekusebenzeni kwangaphambilini. Eminyakeni edlule, ungangabazi ukuthi uzoyicwenga le ndlela uze ufinyelele eminye ukuphakama okuphelele lokho ngokungangabazeki kuzokumangaza kusukela manje kuqhubeke. Ngalezi zeluleko ezilandelayo esikuvezela zona ngezansi.
- Ungathengisi, hhayi ngokwengxenye noma ngokuphelele, ezimweni ezicacile ze-bullish zezimakethe zezimali. Hhayi ngeze, uzolahlekelwa amandla okukhula aphezulu kakhulu nokuthi akufanele uchithe ngaphansi kwanoma iziphi izimo. Phakathi kwezinye izizathu, ngoba ukuhlaziywa kungaqhubeka phakathi nezikhathi ezilandelayo.
- Qhubeka uhlaziye lapho ama-maximums angena ku- amanani abo ayancipha ngoba kuyisibonakaliso esinokwethenjelwa kakhulu sokuthi ukunyuka kwakho kuyaphela. Futhi ngakho-ke usungacabanga ngokuthengisa amasheya ukuze ujabulele izinzuzo ezitholakele kuze kube manje.
- Pose ezinye izinhloso ezinengqondo Kuyisu elihle kakhulu ukufeza izinzuzo ekutshalweni kwakho. Ngoba ngale ndlela, uzoba nokulula kakhulu ukwazi ukuthi yiliphi izinga lentengo lapho kufanele uhlehlise izikhundla ezimakethe zezimali. Ngaphezu kwalokho, ngokusebenzisa isu elilula kakhulu lokwenza kusukela manje kuqhubeke.
- Uma ufuna ukwazi ukuthi yisiphi esinye sezikhathi ezifanele kakhulu zokuthengisa amasheya, unaso esingavami ukwehluleka. Imayelana nokuthola ukuthi ifayili le- ingcindezi yokuthengisa ingaphezulu komthengi. Kuzoba yisiginali ephumelela kakhulu ukusuka ezikhundleni owake wazivula phambilini.
- Esinye isihluthulelo sempumelelo emakethe yamasheya silele ekutheni ungabi ohaha ngokweqile. Vele akunjalo ngoba kukhetha ukuthola imali encane kunokushiywa nomphumela omubi kakhulu ekusebenzeni. Emakethe yamasheya kunesisho esisho ukuthi "i-euro yokugcina ithathwa ngomunye umtshalizimali." Ungasebenzisa lelisu ukwazi ukuthi ungawathengisa kanjani amasheya ngesikhathi esifanele.
- Ngakolunye uhlangothi, kuzoba wusizo olukhulu lokho ukubala izindleko zokusebenza. Kokubili uma kukhulunywa ngokuthenga nokuthengisa. Ngakho-ke ngale ndlela unenzuzo ephelele yokusebenza emakethe yamasheya hhayi nje kuphela okwedlulele. Ngisho nokusebenzisa ngokunikezwayo okuningi izinhlangano zezezimali ezikunikeza ukuthi uzisebenze emakethe yamasheya.
Ukuphathwa kwentela kokusebenza
Ekugcineni, akufanele ukhohlwe imali ezoya ukukhokha yakho Izibopho zezimali futhi lokho kuyakhohlwa yingxenye enhle yabatshalizimali abancane nabaphakathi. Ngalo mqondo, kuzoba nenani okufanele ulimemezele esitatimendeni sakho semali engenayo esilandelayo futhi elizongezwa kumakhomishini ayo yonke imisebenzi ezimakethe zezimali. Bangaletha inkokhelo ephakathi kuka-0,25% no-1,00% enhlokodolobha etshaliwe futhi lokho kuzokwenza konke ukunyakaza okwenzayo ezimakethe zezimali kubize kakhulu. Ngokukhipha kwakho, akungabazeki ukuthi uzokwazi ukuthola imbuyiselo yangempela ekutshalweni kwemali.
Ngokuya ngentengo yokuthengisa yamasheya, umehluko ekusebenzeni okufanayo ungaba phezulu kakhulu. Ngokwehlukahluka okufika kuma-20% noma ngisho nangamandla amakhulu kakhulu. Ngeke ube nokunye ongakwenza ngaphandle kokulungisa intengo yokuthengisa ngangokunokwenzeka futhi uthuthukise inzuzo yomsebenzi ngamunye. Kungukhiye wokufeza izinhloso zakho nangaphezulu kwezinye izindlela zobuchwepheshe. Kodwa-ke, le nhlangano idinga ukuthi abanye bafunde ukuyenza ngempumelelo ethile. Kunoma ikuphi, akufanele uthengise amasheya akho ngentengo yemakethe.