Indlela yokuphatha kahle amafa ami

Ngingayiphatha kanjani impahla yami ngendlela efanele? Ukuthuthukisa ukuphathwa kwempahla yakho kubalulekile ukuze vikela ikusasa lakho lezezimali futhi enze amaphrojekthi womuntu siqu. Kungakhathaliseki ukuthi unezimpahla ezimbalwa noma eziningi, kubalulekile ukuzihlela kahle, uzenze zikhule futhi ulindele ukudluliselwa kwazo esikhathini esizayo.

Nokho, phakathi kwemikhiqizo yezezimali eyinkimbinkimbi, intela eshintshayo kanye nezikhathi ezinzima zokuphila, akulula ngaso sonke isikhathi ukuzulazula. Abaningi bazizwa bengenakuzisiza ngakho bawuyeka lo msebenzi, nokho obalulekile esimweni sabo sezimali sisonke.

Ngalesi sihloko esibhalwe nezingcweti zokubonisana namagugu, ngifuna ukukunikeza okhiye abasebenzayo ukuze ubone izinto ngokucacile. Ngokubambisana sizoxoxa ngokuthi ungasihlaziya kanjani ngokuthula isimo sakho samanje, sichaze izinjongo zakho zesikhathi esimaphakathi neside, kanye nokusebenzisa amasu afanele ukuzifeza.

Inhloso yami ukukuvumela ukuthi ukhulume nabaphathi bempahla yakho ngokuzola, ukuze kube yinsika yangempela yokufeza amaphrojekthi akho. Landela umhlahlandlela ukuze ekugcineni ube umlingisi onolwazi ngekusasa lakho lezezimali!

🥀 Vikela impahla yakho engozini yezempilo

Ukwenzeka kwenkinga yezempilo engathi sína, ingozi noma ukufa ngaphambi kwesikhathi emndenini kungabeka engcupheni ibhalansi yezimali ngemiphumela enzima efa. Phakathi kokulahlekelwa yimali engenayo ehlobene nezindleko zekhefu lokugula kanye nezindleko zokunakekelwa kwezempilo, umthelela mkhulu uma singakwazanga ukuzivikela.

Nazi izinkontileka ezihlukene ezikuvumela ukuthi uvikele impahla yakho ezingozini zezempilo.

✔️ Umshwalense wokunakekela wesikhathi eside

Umshwalense wokunakekela wesikhathi eside uwuhlobo lomshwalense wangasese ovikela engcupheni yokulahlekelwa ukuzimela. Isebenza ngesimiso semali ekhokhwa umuntu ondliwayo ukuze ikwazi ukukhokhela usizo oludingekayo ukuze inakekele ekhaya noma endaweni ekhethekile.

Umshwalense wokunakekela wesikhathi eside usiza ukuvikela emiphumeleni yezezimali yokulahlekelwa ukuzimela. Uma uba umuntu oncikile, umshwalense ukhokhela zonke noma ingxenye yezindleko ezidingekayo: izindleko zosizo lwasekhaya, ukubekwa endaweni ekhethekile, ukulungiswa kwezindlu, njll.

Izibonelelo zansuku zonke nazo zinikezwa. Le nkontileka ihlanganisa enye yonke okufanele ikhokhwe uma usizo lomphakathi seludonsiwe.

Ngokungeziwe ezingeni lokuncika okuqinisekisiwe, funda ngokucophelela ukucaciswa komshwalense wokunakekela wesikhathi eside: inani lemali noma impesheni enikeziwe, okungenzeka ukuthi idonswe imali, izimo zokubuyekezwa, imigomo nemibandela yokuletha iziqinisekiso zisebenze, njll.

Ezinye izinkontileka zinikeza usizo lokuxhumanisa ababambe iqhaza. Phinda uqhathanise indlela osebenza ngayo manje neyomngane wakho womshado kanye nabakhuphukayo. Umshwalense wokunakekela wesikhathi eside kufanele ukhethwe ngokucophelela ukuze ukuvikela okuphelele.

✔️Umshwalense wokufa

Inkontileka yomshwalense wokufa, ebizwa nangokuthi umshwalense wempilo yokufa, iqinisekisa ukukhokhwa kwemali eshiwo kusengaphambili kubazuzi uma kwenzeka kushona lowo okumshwalense. Le mali ivumela abathandekayo ukuthi bakwazi ukukhokhela izindleko zomngcwabo nezamafa, kanye nokunxephezela ukulahlekelwa yimali engenayo. Inani kufanele libekwe ngokwezidingo zangempela zabazuzi kanye nezimpahla ezikhona.

Ukuqokwa kwabahlomulayo kubalulekile kwinkontileka yomshwalense wokufa. Khumbula ukuyibuyekeza njalo uma kwenzeka kuba noshintsho esimweni somndeni. Ungakhetha ozuzayo oyedwa noma uhlukanise inhlokodolobha phakathi kwabantu abambalwa. Umshwana wokubuyisela emuva uvumela imali ukuthi yabiwe kabusha lapho kushona umlingani, isibonelo.

Kunconywa ukuba uchaze kahle umshwalense wokufa ngenkontileka yomngcwabo. Lesi sakamuva sizokwenza kube nokwenzeka ukuxhasa ngezimali izindleko zomngcwabo, imali yokufa bese ibuyela ezihlotsheni ukuyonxephezela ukulahleka kwemali engenayo ngaphandle kokugaxa ifa.

Khetha a seduze ukwethemba njengomhlomuli wenkontileka yomngcwabo yokuphatha umngcwabo njengokufisa kwakho. Isu elilungile lihlanganisa ukumboza umngcwabo ngenkontileka ezinikele, bese kuqinisekiswa insalela yezindlalifa.

✔️ Isiqinisekiso somngcwabo

Inkontileka yomngcwabo noma umshwalense wokungcwaba ikuvumela ukuthi wenze imali ezokhokhwa ngesikhathi ushona ukuze ukhokhele umngcwabo ngokuqondile ngokwezifiso zakho. Lokhu kuvimbela umndeni ukuba ungathuthuki izimali esimweni esiphuthumayo. Amanani alondoloziwe nawo ngokuvamile akhula abe isikhwama se-euro esivikelekile. Ngakho-ke le nkontileka yomngcwabo inikeza ukuthula kwangempela kwengqondo.

Kunamafomula amabili: isikhwama somngcwabo ekhokha isamba kwabahlomulayo ukuze bahlele umngcwabo ngokukhululeka. Noma isivumelwano somngcwabo okuqinisekisa ukukhokhelwa kwezindleko zomngcwabo kuze kufike ophahleni nozakwethu.

Kuzo zombili izimo, ukuxhaswa ngezimali kwangaphambili kuvikela lesi sici. Ukuze ukhethe inani, linganisa ngokunembile isabelomali esidingekayo somngcwabo wakho ofanele.

Ukudingida udaba lwemingcwabo akulula neze. Nokho, kuwukuhlakanipha ukulungiselela lokhu kusengaphambili ukuze ugweme ukwenza izinqumo esimweni esiphuthumayo esingokomzwelo. Yazisa umndeni wakho ngezifiso zakho ezithile: uhlobo lomcimbi, indawo yokungcwaba, isaziso somngcwabo, izimbali, njll.

✔️ Umshwalense wezempilo owengeziwe

Umshwalense wezempilo uwuhlelo lokuvikela umphakathi oluvumela ukumbozwa okuphelele noma ingxenye yezindleko zezempilo. Inganezelwa umshwalense wezempilo ozimele noma ohlanganyelwe. Kodwa-ke, kuhlanganisa insika yokukhokhela izindleko zezempilo.

Umshwalense wezempilo owengeziwe uhlanganisa ukunakekelwa kwezempilo kanye nezindleko ezingabuyiselwa yi- Ukuphepha komphakathi : ukweqiwa kwezimali, isilinganiso sansuku zonke sasesibhedlela, izitho zokufakelwa zamazinyo, i-osteopathy, njll.

Igwema kusengaphambili izindleko. Hlaziya ngokucophelela ithebula leziqinisekiso: izinga lembuyiselo ngokuya ngezinto, usilingi olungase lube khona, imali edonswayo, njll. Khetha iziqinisekiso ezinwetshiwe zokuthola usizo oluphelele.

Amafomula athandwayo afaka ukubuyiselwa kwemali ekhokhwayo eyeqile emikhakheni okungezona izinkontileka, ukuphathwa kwegumbi langasese, iphakheji yabakhulelwe noma iziqinisekiso ezithile zephuli.

✔️ Ukulahlekelwa isiqinisekiso semali engenayo

Ukulahlekelwa yisiqinisekiso semali engenayo kukuhlinzeka ngemali engenayo esikhundleni uma kwenzeka kuba nekhefu lokugula noma ingozi. Inxephezela ukwehla komholo ngenxa yokungakwazi ukusebenza noma ukungasebenzi.

Hlola izikhathi zokulinda, imali engenayo eqinisekisiwe, izinhlobo zokumiswa okukhavwe, kanye nokungadliwa uma kwenzeka kuba nokukhubazeka unomphela. Lokhu inetha yokuphepha kwezezimali kubalulekile uma kwenzeka kuvaleka isikhathi eside.

Kungenzeka ukugcina lesi siqinisekiso ngemuva kokuthatha umhlalaphansi. Izingozi zokuphila aziphephi muntu! Impesheni yokukhubazeka izoba isengezo esamukelekayo emalini engenayo uma kwenzeka kuba nenkinga enkulu lapho umuntu esekhulile.

Iminikelo mincane ngokuphathelene nesivikelo esinikeziwe. Ungakhanseli kakhulu ngokushesha ukulahlekelwa umshwalense weholo lakho ulindele umhlalaphansi. Izingozi zempilo azinaminyaka.

✔️ Umshwalense womboleki

Umshwalense womboleki yinkontileka yomshwalense eqinisekisa ukukhokhwa kwemali mboleko noma imali ebolekiwe yomthengi uma kwenzeka kuba nemicimbi ethile.

Kuyimpoqo kuwo wonke ama-mortgages, umshwalense waboleki ubuyisela imali ebolekiwe uma kwenzeka kushona noma ukukhubazeka komshwalense. Lesi siqiniseko sivimbela isikweletu ekuthwaleni izihlobo. Hlaziya kahle i-TEG ngomshwalense nangaphandle kokuqhathanisa okunikezwayo.

Uhlu lwemibuzo lwezempilo lusekelwe esilinganisweni somuntu ngamunye. Buyekeza ukumbozwa kwemali mboleko ephezulu ukuze uthole ukuvikelwa okuqinile. Thatha isikhathi sokuqhathanisa izinkontileka ezinikezwa yibhange kanye nezinkampani zomshwalense. Amanani ahluka kakhulu kuye ngeziqinisekiso nezinketho ezifakiwe.

Funda kabanzi ngezimo ezijwayelekile zomshwalense waboleki. Ngaphezu kokufa, qiniseka ukuthi ukungasebenzi, ukungakwazi ukusebenza kanye nokulahlekelwa umsebenzi nakho kuyakhava. Hlola izigaba zokuphindaphinda kanye ne-recidivism ezigwema ukudliwa kwenkontileka.

🥀 Vikela impahla yami ngokumelene nokwehla kwamandla emali

Ngokukhuphuka kwamandla emali, amanani entengo yezimpahla kanye nezinsizakalo akhuphuka, okungaba noku umthelela ekongeni kwakho namandla akho okuthenga. Uma ungathathi izinyathelo zokuvikela izimpahla zakho, uzifaka engozini lahlekelwa inani ngokuhamba kwesikhathi. Lokhu kungenza kube nzima ukufeza izinhloso zakho zezezimali zesikhathi eside.

✔️ Imiphumela eyingozi yokwehla kwamandla emali ekongeni

Izinga eliphezulu lokwehla kwamandla emali elifana naleli esibhekene nalo njengamanje linomthelela omubi kakhulu ekongeni uma zingekho izinyathelo ezithathwayo zokuvikela kukho. Ngempela, ngokukhuphuka okujwayelekile kwezintengo, amandla ethu okuthenga ehla unyaka nonyaka uma imali yethu ku-akhawunti yasebhange ingalethi lutho noma incane kakhulu.

Ngesilinganiso sokwehla kwamandla emali esingu-5% njengamanje, i-€100 ebekwe ngaphandle kwenzuzo ku-akhawunti izolingana no-€95 kuphela wamandla okuthenga ngonyaka olandelayo. Ngakho-ke, inani langempela lokonga kwethu elitholakalayo liguguleka ngendlela engenakuvinjelwa.

Kungenxa yalesi sizathu ukuthi kubalulekile khulisa ukonga kwakho ngokusebenzisa utshalomali olunikeza okungenani imbuyiselo elingana nezinga lokwehla kwamandla emali. Uma kungenjalo, siba mpofu kancane unyaka ngamunye nakuba sakha ibhodwe lama-euro amanje kuma-akhawunti ethu. Indida yangempela okumelwe iqedwe ngokushesha!

Ukwehla kwamandla emali kusebenza njenge-parasite ezondla inani lokonga kwethu. Yingakho zikhona izixazululo zokulwa nalesi sihlava, esizosichaza ngesinyathelo sesibili.

✔️ Indawo eqashisayo ethengiswayo, indawo ephephile efakazelwe

Kuzodingeka ufunde ukuphatha ingcebo. Ibhekene nosongo lokwehla kwamandla emali, indawo eqashisayo iyindawo ephephile efakazelwe yokuvikela amandla okuthenga. Ngempela, lokhu kutshalwa kwezimali kuveza izinzuzo ezimbalwa ezibalulekile esimweni samanje.

Okokuqala nje, imali eqashisayo ikhonjiswe ku-inflation ngokwemvelo. Unyaka ngamunye, zibuyekezwa ngesisekelo se-Rent Reference Index elandelela ukukhuphuka kwezintengo zabathengi. Ngakho-ke iholo lakho lokuqasha likhuphuka ngokwemvelo ngezinga elifanayo nokwehla kwamandla emali, ukuvikela amandla akho okuthenga.

Ngaphezu kwalokho, imakethe yezindlu nezindlu ishoda ngokwesakhiwo. Isidingo siphezulu kakhulu kunokunikezwa, ikakhulukazi ezimakethe ezithile eziqinile njengamadolobha amakhulu. Impahla yakho izothengiswa kabusha kalula futhi iqashwe kabusha, inikeze ukuvikeleka kwesikhathi eside.

Okokugcina, izilinganiso zokubolekwa kwezindlu ezithengiswayo zisesezilinganisweni futhi zakha umphumela onenzuzo othakazelisayo wezimpahla zokwakha. Ukuba nezikweletu okuphusile kuseyisu eliwinayo ngezikhathi zokwehla kwamandla emali.

✔️ Igolide, isivikelo esisebenzayo ezinkingeni

Sekuyisikhathi eside igolide libhekwa njengesiphephelo sezezimali nesivikelo esiphumelelayo ezinkingeni zomnotho, ikakhulukazi ukwehla kwamandla emali. Ngezikhathi zokwehla kwamandla emali, inani lezimali livame ukwehla, okungase kucekele phansi amandla okuthenga abatshalizimali. Nokho, igolide ngokuvamile ligcina inani lalo elingaphakathi ngokuhamba kwesikhathi, okulenza libe yimpahla ekhangayo yokuvikela ingcebo.

Isizathu esikhulu esenza igolide likwazi ukumelana nokwehla kwamandla emali ukubukeka kwalo okuphathekayo nokunomkhawulo. Ngokungafani nezimali ze-fiat, ezingaphrintwa ngamanani angenamkhawulo yiziphathimandla zezimali, igolide liyinsimbi eyigugu engakwazi ukukhiqizwa ngobuningi ngobuningi. Ukushoda kwayo kanye nesidingo esiqhubekayo kuyenza ibe yimpahla ephathekayo egcina inani layo ngemijikelezo yezomnotho.

Ukwengeza, igolide livame ukubonwa njengohlobo lwemali yendawo yonke, okusho ukuthi ligcina inani lalo ngezinga lomhlaba jikelele. Abatshalizimali bavame ukufuna ukwaba ingxenye yephothifoliyo yabo egolideni njengesu lokuhlukahluka, okuhlinzeka ngokuvikeleka okungaba khona ekukhuphukeni kwamandla emali kanye nokuguquguquka kwezimakethe zezimali. Ezikhathini zokungaqiniseki kwezomnotho, igolide livame ukusebenza njengendawo ephephile, liheha abatshalizimali abafuna ukulondoloza ingcebo yabo.

✔️ Hlala utshalwe imali isikhathi eside

Uma kwenzeka kuba nokwehla kwamandla emali, iphutha kungaba wukwethuka futhi udayise zonke izinto oziphethe. Ngokuphambene nalokho, kuyatuswa ukuthi uhlale utshaliwe esikhathini eside ukuze usizakale ekubuyiseni imakethe.

Ugibe olukhulu ukushiya imali oyitshalile ngesikhathi esibi kakhulu, ngaphansi kwethonya lomzwelo. Gcina impahla yakho, isimo sizogcina sizinzile. Ngalezi zixazululo eziguquliwe, uzokwazi ukudlula lesi sikhathi esineziyaluyalu ngokuzola. Umcebo wakho uzophuma uhlanganisiwe.

🥀 Vikela impahla yami uma kwenzeka ngedivosi

Yini eba ifa lami uma kwenzeka ngedivosi ? Isehlukaniso sihlale sihlukumeza ngokomzwelo. Kodwa futhi ingaba nemiphumela eyinkimbinkimbi yezinto kanye nezezimali kuye ngombuso womshado.

Ngaleyo ndlela uzohlonyiswa kangcono ukubhekana nalolu vivinyo ngomoya ophansi nalo oluntekenteke ngokwezinga lezinto ezibonakalayo.

✔️Ukuhlukaniswa kwezindlu ezithengiswayo ngemuva kwesehlukaniso

Uma kwenzeka isehlukaniso, umbuzo wokuqala uvame ukuphathelene nekusasa lomndeni womndeni kanye nezinye izakhiwo ezivamile. Eqinisweni, konke kuncike embusweni womshado okhethiwe ngesikhathi somshado.

Embusweni womphakathi, impahla ethengwe ngesikhathi somshado ithathwa ngokomthetho njengempahla evamile yombhangqwana, ingxenye yomnikazi womlingani ngamunye.

Ngakho uma kwenzeka isehlukaniso ngaphansi kwalo mbuso, indawo ethengiswayo etholwe ngokuhlanganyela phakathi nenyunyana ihlukaniswa ngamashezi alingana ngokuphelele. Ngamunye owayeshade naye uthola u-50% inani lempahla ethintekayo.

Ngokuphambene, ekuhlukaniseni umbuso wempahla, akukho ukwahlukanisa okwenzekayo uma kwenzeka isehlukaniso. Umngane womshado ngamunye uhlala engumnikazi yedwa wendawo ethengiswayo etholwe ngaphambi nangesikhathi somshado.

Ngakho-ke, uma ikhaya lomndeni lathengwa ngomunye wabashade ngaphambi komshado, lempahla ibuyela kuye ngokugcwele uma kwenzeka isehlukaniso. Awukho umehluko phakathi kwezinto zangaphambi kwenyunyana nezangemuva kwenyunyana.

✔️ Ukwabelana ngokonga nokutshalwa kwezimali

Ngaphandle kwezindawo ezithengiswayo, isehlukaniso siphinde siphakamise umbuzo wokwabelana ngezimali ezigcinwe kuma-akhawunti asebhange kanye nokutshalwa kwezimali okuhlukahlukene okunjengomshuwalense wokuphila. Futhi lapho futhi, konke kuncike kumbuso wokuqala womshado.

Esimweni sokuhlangana kwempahla, isamba esifakwa kuma-akhawunti ahlanganyelwe kanye nezinkontileka zomshwalense wempilo ezithathwe egameni lamalungu amabili wombhangqwana. kubhekwa njengefa elivamile.

Ngakho, lapho kwenzeka isehlukaniso, ibhalansi yama-akhawunti asebhange ahlanganyelwe abiwa ngezingxenye ezilinganayo ngokuphelele, kungakhathaliseki ukuthi yimuphi wabangane bomshado onikele ngempela kulawa ma-akhawunti. Wonke umuntu uthola u-50% wamanani atholakalayo.

Ngaphansi kombuso wokuhlukaniswa kwempahla, iphuzu lokwabelana mayelana nokonga nokutshalwa kwezimali: umlingani ngamunye uhlala engumnikazi okhethekile wama-akhawunti asebhange nezinkontileka anazo, kungakhathaliseki ukuthi zasungulwa ngaphambi noma phakathi nomshado.

Ngakho-ke wonke umuntu ugcina yonke imali yakhe siqu, ibhalansi yama-akhawunti abo ngabanye, izinkontileka zabo zomshwalense wempilo, i-PEA yabo, ukutshalwa kwezimali kwayo ezimakethe zamasheya... Il akukho mehluko phakathi kwezimpahla ngaphambi nangemuva komshado.

✔️ Umbuzo onzima wokwabelana ngempesheni ngemuva kwesehlukaniso

Isehlukaniso siphinde sibe nomthelela omkhulu emalini yempesheni neyempesheni yomhlalaphansi yalabo ababeshade nabo. Imithetho iyinkimbinkimbi impela, kodwa kubalulekile ukuyazi kahle ukuze uvikele izintshisekelo zakho.

Ngaphansi kwezimo ezithile, lowo owayeshade naye angase abe nelungelo lokuthola ingxenye yempesheni yomhlalaphansi yomlingani wakhe wangaphambili uma esesimweni esintekenteke kakhulu sezezimali. Akuhlelekile : izindlela ezimbalwa kufanele zihlangatshezwe futhi zicelwe ngokucacile.

Ukuze ukwazi ukuthola ingxenye yempesheni yowayeshade naye, kufanele uhlangabezane nayo yonke le mibandela elandelayo:

• Bengishadelwe ngo ngaphansi kweminyaka emi-2 ngaphambi kwesehlukaniso;
• Ukungaphinde ushade ngemva kwesehlukaniso;
• Yiba okungenani ubuncane beminyaka engama-62 noma iminyaka engama-60 esimweni sokungakwazi ukusebenza;
• Qinisekisa izinsiza zomuntu siqu ngaphansi kosilingi isethwe ku-€21 ngonyaka. Lolu phahla luyanda uma kwenzeka kubantwana abondliwe.

Uma yonke le mibandela ihlangatshezwana nayo, ungafaka isicelo sesabelo sosindile ngesikhathi sokuphila kowayeshade naye. Ngemva kokufa kwakhe, uzokwazi futhi ukufuna impesheni yalowo owasinda kwabafelokazi nabafelokazi.

✔️ Indima ebalulekile yenzuzo eyisinxephezelo

Ngesikhathi sesehlukaniso, amajaji anganquma ukunikeza omunye walabo ababeshade naye imali yesinxephezelo, ukuze kunxeshezelwe ukungafani okudlulele kwezimo zokuphila ezilandelanayo ngemva kokuhlukana.

Lesi sinxephezelo sinikezwa yijaji kumlingani othathwa njengontekenteke ngokwezimali kulandela isehlukaniso, ukugwema ukungavikeleki ngokweqile. Izimo zokuthola yilezi:

• Isehlukaniso esimenyezelwe ngokomthetho (ngakho-ke singabandakanyi isehlukaniso ngemvume yobabili);
• Umehluko omkhulu ezingeni lokuphila ngemva kwesehlukaniso;
• Amandla okunikela komunye umlingani womshado ukuze akuxhase ngezimali.

Akuyona inkokhelo ezenzekelayo: kufanele ifunwe ngokusobala ejajini lenkantolo yomndeni.

✔️ I-Alimony yezingane zombhangqwana

Ngaphezu kwesibonelelo sesinxephezelo, isehlukaniso sihlanganisa nokukhokhwa kwesondlo ukuze kuhlinzekelwe izidingo zezingane, kungakhathaliseki ukuthi imuphi umbuso womshado.

Lesi sibopho siyaqhubeka uma nje umntwana esemncane ayizimele ngokugcwele. Inani lihlelwa ngokwezinsiza zomzali ngamunye kanye nezidingo zengane. Kungenzeka ukuhlinzeka ngenkokhelo eqondile phakathi kwabazali noma ukusekelwa yi-CAF, ikakhulukazi uma okweletayo engakhokhi.

Izindleko ezingavamile (izindleko zokwelashwa, izifundo...) zabiwa ngokulingana neholo lomzali ngamunye. Nalapha futhi, uma kwenzeka isimo sokungqubuzana, ijaji lizonquma ngokusekelwe ezithakazelweni zomntwana kanye nezinga langaphambili lokuphila lomndeni.

✔️ Lungiselela intela yakho yengcebo ngemuva kwesehlukaniso

Isehlukaniso ngezinye izikhathi siholela ekudlulisweni kwezimpahla zisuka kowayeshade naye ziye komunye njengengxenye yokuhlukaniswa. Ngokombono wentela, kungenzeka ukukhulisa lokhu kudluliselwa. Uma indawo ethengiswayo ehlanganyelwe idluliselwa njengengxenye yesahlukaniso, umlingani ngamunye womshado uzokwazi ukuzuza emalini ebanjwayo yentela phakathi nesikhathi sobunikazi esabelweni sakhe.

Inzuzo engafanele inganakwa uma kwenzeka kudayiswa kabusha impahla kulandela isehlukaniso, ikakhulukazi uma yayo inani lenyuke kakhulu.

Uma isehlukaniso sibandakanya ukuthengwa kabusha kwezibambiso zezezimali ezibanjwe ngokubambisana, kungenzeka ukusabalalisa inzuzo yakho yemali ekhokhiswa intela eminyakeni embalwa. Ngokuqondile, inzuzo yemali etholakala ngesikhathi sokudluliselwa kwezibambiso kowayeshade naye iqandisiwe ngezinhloso zentela. Izokhokhiswa intela kuphela ngonyaka lapho izimali zikhishwa khona ngempela.

Le nqubo yenza kube nokwenzeka ukunciphisa inani libe bika njalo ngonyaka. Izofundwa ngokwesisekelo secala ngalinye kuye ngamanani ahilelekile.

✔️ Lungiselela ibhajethi yakho ngemuva kwesehlukaniso

Uma isehlukaniso sesiqediwe futhi impahla isihlukanisiwe, kubalulekile ukulinganisa kabusha isabelomali sakho ukuze ugcine izinga lakho lokuphila. Ngemva kweminyaka sihlala ndawonye, ​​isehlukaniso ngokuzenzekelayo sisho ukwehla kweholo. Kufanele uguqule indlela yakho yokuphila ukuze ungamangali:

• Yehlisa izindleko ezithile ezibambezelekile (izindlu, imoto, okubhaliselwe, njll.)
• Thola imali eyengeziwe uma kungenzeka
• Gxumela ekongeni kwakho ngendlela elinganisiwe

Lindela izinto eziyinhloko zezindleko ezizobuyekezwa. Futhi thola usizo kumeluleki wezezimali uma kudingeka. Uma isehlukaniso sikunikeze imali enkulu ngokudayiswa kwempahla ehlanganyelwe, yitshale ngobuhlakani. Thanda ukutshalwa kwezimali okuhlakaniphile, okutholakala noma nini ukuze ungezelele iholo lakho.

🥀 amaphutha okuphatha amafa okufanele uwagweme

Ukuthuthukisa ukuphathwa ingcebo yomuntu siqu umsebenzi onzima. Phakathi kokutshalwa kwezimali okuningi okungenzeka, ukuguquguquka okuguquguqukayo kwezimakethe kanye nentela eyinkimbinkimbi, akulula ngaso sonke isikhathi ukwenza izinqumo ezifanele. Kodwa-ke, amanye amaphutha okuphatha ingcebo avela njalo futhi athinte ukusebenza noma andise ubungozi bephothifoliyo yakho.

✔️ Ukugxila ngokweqile ezimbuyiselweni zesikhathi esifushane

Uma umuntu enentshisekelo ekutshalweni kwezimali, imbuyiselo eboniswayo iwumbandela obalulekile. Nokho, iphutha elivamile ukugxila ekusebenzeni kuphela ngokushesha noma eminyakeni engu-1-2.

Kodwa-ke, ukukhulisa impahla yakho ngokuhamba kwesikhathi, kungcono kakhulu ukugxila ku- inzuzo eminyakeni engu-5, 10 noma engu-20. Ukutshalwa kwezimali okunembuyiselo engcono kakhulu yokuqala nakho kuvame ukuba yingozi kakhulu esikhathini eside. Zibabeka engcupheni enkulu yokulahlekelwa yimali uma kwenzeka ukwehla kwezimakethe.

Ngakho-ke kuyadingeka ukwamukela umbono wesikhathi eside futhi uvune izimpahla ezisimeme kakhudlwana, noma ngabe inzuzo yabo yokuqala iphansi. Into esemqoka ukuhlose ukulinganisa okungcono kakhulu phakathi kokubuyisela kanye nengozi ngokuhamba kwesikhathi.

✔️ Bheka kuphela isamba semali engenayo ngaphandle kokucabangela izindleko ze-akhawunti

Isivuno noma ukusebenza konyaka okubekwa phambili ekuxhumaneni kubonisa isamba senzuzo, ngaphambi kwezimali nangaphambi kwezintela.

Nokho, ukuze ulinganisele kahle inzuzo yangempela yokutshalwa kwezimali, kubalulekile ukucabangela inzuzo yonke, ngemva kokubanjwa kwazo zonke izindleko ezihlobene nalokhu kutshalwa kwezimali. Lezi zimali zingase tshala kusuka ku-1 kuye ku-4% ukubuya njalo ngonyaka kuye ngokuthi utshale imali.

Lokhu kufaka phakathi izimali zokuphatha zonyaka zesikhwama sokutshalwa kwezimali, izimali zokungenela noma zokuxazululwa zomshwalense wempilo, izimali zokwenziwa indawo eqashisayo...

Lezi zindleko eziqhubekayo zidla ingxenye ebalulekile yokusebenza. Ngakho-ke kubalulekile ukuthi uzicabangele ekuhlaziyeni kwakho okuqhathanisayo kokutshalwa kwezimali okuhlukahlukene okucatshangelwayo.

✔️ Ukubeka wonke amaqanda akho kubhasikidi owodwa ngenxa yokuntuleka kokuhlukahluka

Lesi yisimiso esiyisisekelo ekuphathweni kwengcebo: ukuhlukahluka kokutshalwa kwezimali kubalulekile ukuthuthukisa umbhangqwana wokubuyisela/ubungozi. Ngokugxilisa lonke utshalomali lwakho esigabeni esisodwa sempahla (amasheya, amabhondi, izindlu, njll.), uzibeka engozini eyengeziwe uma kwenzeka ukungasebenzi kahle kwale makethe.

Ngokuphambene, ngokuqikelela ukusabalalisa izimpahla zakho ngaphezu kwezinhlobo ezahlukene zokutshalwa kwezimali kunokuhlobana okuncane phakathi kwazo, ingozi iyonke inciphe kakhulu.

Ngakho-ke, ukubamba amasheya, izimali zezindlu ezithengiswayo, umshwalense wokuphila oxhumene neyunithi, imikhiqizo yezinga lenzalo, kanye nemali kubalulekile ekuhlukaniseni ubungozi kanye nezinzuzo eziningi.

✔️ Ziba izindleko eziqhubekayo ezithinta inzuzo

Njengoba kushiwo ngenhla, izindleko ezikhiqizwa ukutshalwa kwezimali (izimali zokuphatha, izimali zokungena, izimali zokulamula, izimali zokwenziwa...) banciphise ukubuyisela kwabo inetha kusilondolozi ngenani elifanayo.

Nokho, lezi zindleko zivame ukunganakwa noma zibukelwa phansi abantu ngabanye lapho benza izinqumo zokutshala izimali. Bagxila embuyekeni enkulu noma ekusebenzeni kwangaphambilini, okufihla lo mthelela wezinkokhelo.

Kodwa-ke, ngokuhamba kwesikhathi, lezi zindleko eziqhubekayo zinganciphisa kakhulu inzuzo yokutshalwa kwezimali. Ngakho-ke kubalulekile ukuhlanganisa ngokugcwele lobu bukhulu ekuhlaziyweni okuqhathanisayo kwembuyiselo/ubungozi obubili. Ukuthuthukisa ifa layo, bhekisisa izindleko kubaluleke njengokusebenza.

Ngakho-ke, ama-ETF abiza kancane azoba nenzuzo enkulu kunesikhwama sokulingana esibiza kakhulu, noma ngabe ukusebenza kwawo okuphelele okufanayo ngaphambi kwezindleko.

✔️ Ukubeka ukubaluleka okukhulu ekusebenzeni kwangaphambilini

"Ukusebenza kwangaphambilini akuqinisekisi ukusebenza kwesikhathi esizayo“. Le nkulumo eyisiko emibhalweni yebhizinisi iqukethe iqiniso elikhulu.

Ekulawulweni kwengcebo, kuyalinga ukubeka phambili ukutshalwa kwezimali okubonisa imbuyiselo engcono kakhulu wachitha iminyaka engaphezu kwemi-5 noma eyi-10. Labo abenze kahle kakhulu esikhathini esidlule babonakala bengase baqhubeke nomfutho wabo.

Kodwa-ke, izimakethe zezimali zihlala zishintsha futhi izimo ezishintshayo zenza noma yisiphi isibikezelo sibe yingozi. Ubani obengaba wabikezela eminyakeni engu-10 edlule ukuwa amabhondi noma i-real estate boom?

Kunokuba uthembele kuphela kurekhodi elithophayo, kungcono ukutadisha izisekelo namathemba esikhathi esizayo otshalomali ngokujula okwengeziwe ngaphambi kokunquma ukutshala imali. Ukuqina kwayo namandla esikhathi esizayo kuza kuqala kunokusebenza kwayo osekuzuziwe.

✔️ Yenza izinqumo eziqhutshwa imizwa

Ukutshalwa kwezimali kwengcebo kudinga umbono kanye nokuhluzeka kwengqondo ukwenza izinqumo ezifanele. Ngeshwa, imizwa ingaphinda idlale amaqhinga amabi kubantu ngabanye. Ngakho-ke uzodinga ukuba ne-a ubuhlakani bemizwa okuqinile.

Isibonelo, abanye balingeka ukuthi bathengise konke abakutshalile bethukile ngesikhathi sokuwa kwemakethe yamasheya enodlame. Ngokuphambene, abanye baholelwa ekutshaleni imali ngokweqile ezimpahleni eziqagelwa kakhulu ezigibele ibhamuza, ngenxa yokwesaba ukuphuthelwa yithuba.

Ukwenza izinqumo ezingokomzwelo lapho ubhekene nokuntengantenga kwezimakethe eziphakeme kuvame ukuholela amaphutha abizayo. Kungcono kakhulu ukugcina ukuzola nokuqonda kuzo zonke izimo.

✔️ Ukuhweba kakhulu ngaphandle kwesu langempela lesikhathi eside

Abanye abantu abayimilutha yezimakethe bagcina bephindaphindeka emuva naphambili phakathi kokutshalwa kwezimali ngendlela engenangqondo nezwelayo.

Kodwa-ke, lokhu kungazinzi kudala izindleko eziphezulu zokusebenza ezithinta kakhulu ukubuyisela. Ngaphezu kwalokho, lokhu "ukuhweba” okuphoqelekile kwenziwa isikhathi esiningi ngaphandle kwesu langempela lesikhathi eside lomcebo.

Ngokuphambene, ukwabiwa kwempahla kuhle kakhulu uma kuchazwa ngokunengqondo ngokwezinjongo zayo, bese kulungiswa kancane kancane ngokuya ngezinguquko ezimakethe nesimo sazo.

✔️ Ukungawucabangeli umthelela wokwehla kwamandla emali

Ukwehla kwamandla emali, ngisho naphakathi, kuyadla minyaka yonke okuncane kwenani lezimpahla zakho ezingatshaliwe. Ngokuhamba kwesikhathi, umthelela waso usekude nokuyinto engasho lutho.

Ake sithathe isibonelo: nge-inflation yonyaka engu-2% kuphela, €100 efakwe ku-akhawunti yakho yamanje izolahlekelwa u-000% yenani layo ekuthengeni amandla phezu ngemva kweminyaka eyi-10.

Ngakho-ke kubalulekile ukuhlale ubheka umphumela wokwehla kwamandla emali ekubalweni kwezimali ozitshalile. Izigaba ezithile zezimpahla zenza kube nokwenzeka ukuvikela ekukhuphukeni kwamandla emali.

✔️ Ukunganaki ukulungiselelwa kwentela

Ngisho noma kunembuyiselo ephelele efanayo, intela esebenza etshalweni-zimali ezimbili ingahluka kakhulu futhi ibe nomthelela embuyekezweni etholiwe.

Yazi indlela yokuthuthukisa intela yempahla yakho ngokusebenzisa izimvilophu ezizinikele (I-PEA, umshwalense wempilo...) ngakho-ke kubalulekile. Lokhu kungakuzuza amaphuzu amaningana engqikithi yokubuyisela unyaka ngamunye ngezintela kanye ukunciphisa iminikelo yomphakathi.

Indlela yengcebo ecabangela ubukhulu bentela ngokujula iba ebalulekile ngale kwenani elithile lezimpahla. Iseluleko sochwepheshe ngokuvamile siyadingeka.