Qonda ibhange ukuze litshale imali kangcono

Yini okudingeka uyazi ngamabhange kanye nezinsizakalo zebhange? Eqinisweni, ukuqonda ibhange akulula. Tumqondo engizowuthuthukisa kulesi sihloko. Eqinisweni, kuyithuba lokuthi uzifundise ukuze utshale imali yakho kangcono.

Nakhu okudingeka ukwazi kuqala. Impi yokulwa nobumpofu ngokuyisisekelo ngokufakwa kwezimali. Ngenhlanhla, abantu abaningi namuhla baye bakuqonda lokhu. Yingakho amabhange nsuku zonke amukela amakhasimende amaningi afuna izinsiza ukuze bazibandakanye ngokwezimali.

Kodwa-ke, kufanele wazi ukuthi ungalikhetha kanjani ibhange lakho. Abantu ngokuvamile abanawo umdlandla kakhulu umqondo khetha i-akhawunti yokuhlola noma i-akhawunti yokonga Ngokwesibonelo. yenza ukukhetha okungalungile ingabiza kakhulu.

Ukukusiza ukuthi utshale kangcono noma utshale imali yakho, ngikumema ukuthi ufunde lesi sihloko kuze kube sekupheleni ukuze uqonde ukuthi ibhange kanye nezinsizakalo zebhange zisebenza kanjani.

Isifinyezo esingezansi sikunikeza umbono walokho okuthuthukile lapho. Kodwa ngaphambi kokuba uqale, nansi ukuqeqeshwa okukuvumela ukuba wenze kanjalo zuza i-1000euros/Ngosuku ku-5euros.com. Chofoza lapha ukuze uyithenge

🌿 Liyini ibhange?

Amabhange abaxhumanisi bezezimali. Baneqhaza elikhulu okufanele balibambe ekuxhaseni umnotho ngezimali. Amabhange axhumanisa abantu abanemali eyeqile nalabo abadinga uxhaso.

Benza inqwaba yemisebenzi ehlanganisa amadiphozithi, ukuhoxiswa kwemali, ukushintshaniswa kwemali, ukuhweba ngemali kanye ukuphathwa kwengcebo.

Ngamafuphi, zisebenza njengesixhumanisi phakathi kwabafaka imali nababolekayo. Basebenzisa imali efakwe amakhasimende abo ukuze banikeze izinsiza zezikweletu kubantu abafuna ukuboleka.

🌿 Lisebenza kanjani ibhange?

Ukuze siqonde lesi sigaba, ngingathanda kuqala ukukubuza imibuzo ethile. Wake wazibuza:

• Lenzani ibhange lami ngediphozithi yami?
• Ingabe ingena endaweni ephephile?
• Ngizoke ngiyithole le mali?

Impendulo yale mibuzo ilula. Nakhu okudingeka ukwazi kuqala.

➤ Ibhange liyenza kanjani imali?

Uma umuntu efaka imali ku-akhawunti yakhe yasebhange, ibhange lingakwazi ukuboleka abanye abantu leyo mali. Yilokho esikubiza ngakho ukungenelela kwezezimali.

Ikhasimende elifaka imali lizuza imadlana encane njengembuyiselo (inzalo kumadiphozithi). Ikhasimende elibolekisayo likhokha isamba esikhulu semali ebhange (inzalo yemalimboleko).

Ukuze azenzele imali, ibhange ligcina umehluko. Ngivame ukwenza ihlaya ukuthi le ndlela yendabuko yokwenza imali umthetho 3-6-3.

Okusho ukuthi, ibhange liyaboleka isiliva ngo-3% (amanani aphansi), iyiboleka ngo-6% (amanani aphezulu) bese ifaka ephaketheni umehluko (3%).

➤ Iyini imikhiqizo namasevisi ebhange?

Ukugcina izindodla zemali ekhaya kungaba yingozi. Ngisho noma amathuba ephansi, kuhlale kunengozi yokulahlekelwa, ukweba noma inhlekelele yemvelo.

Uma ufaka imali ebhange elinomshwalense, ivikelwa kuze kufike emikhawulweni egunyaziwe. Ngaphandle kwalolu hlelo olunikezwa yibhange, kuneminye imikhiqizo namasevisi ahlinzekwa yibhange. Nakhu abakhona.

✔️ Ama-akhawunti wamanje

I-akhawunti yamanje iyisevisi ehlinzekwa amabhange amaningi evumela abantu ngabanye namabhizinisi. Imigomo nemibandela yamanje ye-akhawunti ingase ihluke ebhange nebhange.

Ngokuvamile, umnikazi we-akhawunti yokuhlola angasebenzisa amasheke omuntu siqu noma ebhizinisi esikhundleni sikakheshi ukuze akhokhe izikweletu zakhe. Ama-akhawunti amaningi okuhlola avumela amakhasimende ukuthi akhiphe imali yawousebenzisa i-ATM.

✔️ ama-akhawunti okonga

I-akhawunti yokulondoloza ingakusiza ukuthi uhlukanise imali ofuna ukuyonga emalini odinga ukuyisebenzisa. Kwabaningi, kuyindlela elula yokufinyelela umgomo, njengokulondolozela ukuthuthukiswa kwekhaya noma ukwakha isikhwama sezimo eziphuthumayo.

Ama-akhawunti amaningi okonga angadlulisela ngokuzenzakalelayo imali isuka ku-akhawunti yakho yokuhlola iye ku-akhawunti yakho yokonga njalo ngenyanga, ngakho akudingeki nokuthi ucabange ukukwenza ngokwakho.

Inzuzo eyengeziwe ukuthi amabhange ngokuvamile akukhokhela inzalo kulawa ma-akhawunti okulondoloza. Isuka imali "yamahhala". okungakusiza ukuthi ufinyelele imigomo yakho yezezimali ngokushesha.

✔️ Ama-akhawunti emakethe yemali

I-akhawunti yemakethe yemali uhlobo lwe-akhawunti yokulondoloza evame ukukhokha inzalo ephezulu kune-akhawunti yokonga evamile. Uma wonga kakhulu, ungazuza kakhulu. Kodwa khumbula ukuthi inani lokuhoxiswa ngenyanga lilinganiselwe ngenxa yemithetho yenhlangano.

✔️ Izitifiketi zediphozithi

Isitifiketi sediphozi uhlobo lwe-akhawunti yasebhange lapho uvuma khona ukugcina imali yakho ku-akhawunti isikhathi esithile, kusukela ezinyangeni eziyisi-6 kuye eminyakeni emi-5. Uma ulondoloza isikhathi eside, inzuzo iyanda.

Ungakwazi njalo ukunquma ukukhipha imali yakho kusenesikhathi. Nokho, kunenhlawulo yokuhoxa ngaphambi kokuphela kwesikhathi sesitifiketi sakho sediphozithi.

✔️ Ama-akhawunti omhlalaphansi ngamunye

Lawa ama-akhawunti otshalomali omhlalaphansi wesikhathi eside. Imali engenayo evela kulawa ma-akhawunti ikhula ihlehliswe intela. Awukwazi ukufinyelela ezikhwameni uze ufinyelele iminyaka yokuthatha umhlalaphansi ngaphandle kokuthola izinhlawulo nemiphumela yentela.

✔️ Amakhadi edebithi

Ikhadi lasebhange noma isheke ikhadi libukeka njengekhadi lesikweletu. Inikeza enye indlela yokukhokha imali lapho uthenga. Ngekhadi ledebithi, ungakwazi ukukhokhela izindleko zakho zansuku zonke ngokuswayipha okulula (futhi ngokuvamile ne-PIN yakho).

✔️ Amakhadi esikweletu

Ikhadi lesikweletu likuvumela ukuthi ukhokhele izinto ngomugqa wesikweletu. Empeleni, uboleka imali bese uyayikhokha lapho kufika isikweletu.

Kodwa khumbula ukuthi amakhadi esikweletu ahlukene akhokhisa inzalo ehlukene, ngakho-ke kubalulekile ukwazi ukuthi yini owamukelayo (ukuze ungakhokhi kakhulu ngokuhamba kwesikhathi).

✔️ Ezinye izinsiza zebhange

Izikhungo eziningi zezezimali zinikeza okungaphezu nje kokulondoloza nokuhlola ama-akhawunti. Bangahlinzeka ngamathuluzi ahlukahlukene okuboleka njengemali mboleko yomuntu siqu, imali mboleko yabafundi, imali mboleko yezimoto, amakhadi esikweletu, kanye nezikweletu.

Ngakho-ke, zibuze njalo umbuzo: ingabe ibhange lami a Ibhange lamaSulumane noma ibhange elivamile? Bheka isihloko sethu ku imininingwane yamabhange amaSulumane.

🌿 Ibhange liyihlinzeka kanjani ngemikhiqizo namasevisi alo?

Ukuze ibhange linikeze amasevisi nemikhiqizo yalo izindlela eziningana ukukwenza. Idlula emagatsheni, ibhange le-inthanethi kanye neselula, ukubhenka ngocingo. Ake sibheke isinyathelo ngesinyathelo kulezi zindlela zokuhlinzeka ngezinsizakalo zebhange.

➤ Imisebenzi yasebhange ehlinzekwa yigatsha

Igatsha lasebhange liyindawo engokoqobo lapho ukubhanga kwakho kungenziwa khona mathupha. Ungaya egatsheni ukuze uthole uhlu lwezindawo zokuhlala noma isheke le-cashier olidingayo ngokushesha.

Ungase ufune ukuqasha isisefo ukuze ugcine izinto ezibalulekile noma imibhalo ebalulekile.

Noma mhlawumbe ukhetha ukukhuluma nomuntu wasebhange mathupha uma unemibuzo mayelana indlela yokukhetha imikhiqizo namasevisi alungile ngezidingo zakho zezimali.

➤ Ukunikezwa kwezinsizakalo zebhange eziku-inthanethi nezamaselula

Amabhange amaningi akuvumela ukuthi uphathe imali yakho usebenzisa ikhompuyutha noma i-smartphone exhunywe ku-inthanethi. Ezinye izinhlelo zokusebenza zokubhanga ku-inthanethi neselula zikuvumela ukuthi ubhange noma yikuphi ngejubane lakho.

Nge 24/24 ukufinyelela, ungenza yonke into kusukela ekuphatheni ama-akhawunti amaningi kuya ekukhokheni izikweletu kuya ekudluliseleni imali.

➤ Ukunikezwa kwezinsizakalo zebhange ngocingo

Amanye amabhange akuvumela ukuthi ubhange ngocingo. Udinga nje ukushayela inombolo yocingo futhi ukhulume nomsebenzi wasebhange ukuze unikezwe usizo.

Lezi zinsizakalo zingase zihlobane nokuhlola ibhalansi yakho, ukudlulisa imali, ukukhokha izikweletu noma ezinye izidingo zasebhange.

Uma ushaya ucingo ngaphandle kwamahora ebhizinisi ebhange lakho ajwayelekile, kungase kudingeke ukuthi usebenzise isistimu ezenzakalelayo ezokuqondisa ezinyathelweni ezidingekayo ukuze uqedele ukuthenga kwakho.

Yilapho kanye ubuhlakani bokwenziwa busebenza khona. Bheka isihloko sethu mayelana nendawo yobuhlakani bokwenziwa ebhizinisini.

🌿 Izinhlobo ezahlukene zamabhange

Kunezinhlobo eziningi zamabhange emhlabeni futhi ngalinye linenhloso yalo. Yazi izinhlobo zamabhange okutholakala kuwena kubalulekile ekwenzeni izinqumo zezezimali.

Ukuthi ufuna ukuvula i-akhawunti yokonga noma ukuboleka imali. Funda mayelana nezinhlobo ezahlukene zamabhange kanye nabantu abawasebenzela kangcono.

➤ Amabhange ezentengiselwano

Amabhange ezentengiselwano asebenzela abantu ngabanye namabhizinisi. Ngokuvamile banamagatsha amaningana abekwe kahle endaweni futhi banikela ngezinsiza eziningi.

➤ Amabhange Okulondoloza Nezikweletu (EC)

Amabhange e-EC avame ukuba nemali ephansi kunamabhange okuhweba. Kwezinye izimo, isevisi ingase ibe ngcono ngenxa yenani eliphansi lamakhasimende ikakhulukazi amabhange amancane.

➤ Amabhange abonakalayo (ku-inthanethi)

Amabhange abonakalayo wonke aku-inthanethi, ngakho awekho amagatsha. Ezimweni eziningi, abathumeli ngisho nezitatimende zephepha.

Amakhasimende athola izitatimende zawo zanyanga zonke nge-imeyili ukuze azibuke noma aziphrinte ku-inthanethi. Bheka umhlahlandlela wethu ku amabhange aku-inthanethi: asebenza kanjani?

➤ Izinkampani ezisebenzisanayo nezinkampani ezihwebayo

Lawa mabhange ngokuvamile ahlinzeka ngezinsizakalo zokubhanga ezinomkhawulo kakhulu ngamasheke amahhala noma ashibhile axhunywe kwezinye izimali zemakethe yemali ezikhokhelwayo.

➤ Amabhange okutshalwa kwezimali

Amabhange okutshalwa kwezimali asebenza njengabalamuli nabeluleki bezinkampani ezinkulu, ohulumeni, i-hedge funds, nezinye izikhungo zezezimali. Basebenzela lezi zinhlangano ezinkulu ngokuzisiza ukuphatha imisebenzi yezezimali eyinkimbinkimbi.

Eminye yemisebenzi yabo eyinhloko uku ukusiza izinkampani ukunikeza izihloko emphakathini. Baphinde bahlele ukuqoqwa kwezimali ukuze kwandiswe ibhizinisi. Baphinde bahlose ukwenza lula ukuhlanganiswa okukhulu futhi ngezinye izikhathi baze basebenze njengabeluleki bezezimali.

🌿 Ungalikhetha kanjani ibhange elifanelana nawe?

Ibhange noma inyunyana yezikweletu? Ingabe kufanele ngikhethe ibhange eliku-inthanethi noma ibhange elingokoqobo? Ibhange lamaSulumane noma ibhange elivamile?

Ziningi izinqumo uma kuziwa ekukhetheni isikhungo sezimali esifanele. Ngayinye inezinzuzo zayo kanye nemikhawulo. Ngokuziqonda, unganquma ukuthi yini ebaluleke kakhulu kuwe.

Eqinisweni, ukukhetha ibhange elilungile a isinqumo esibalulekile sezezimali. Qiniseka ukuthi uyaziqonda zonke izinketho zakho zebhange, imikhiqizo namasevisi. Ngaphandle kwalokho, ngikumema ukuthi uhlole izindlela ezithile, ngokubona kwami, ezikuvumela ukuthi ukhethe ibhange elihle.

➤ Cabanga ngezinhlobo zama-akhawunti ofuna ukuwavula

Ingabe udinga i-akhawunti yokuhlola eyisisekelo noma ufuna ukulondoloza? Nquma ngezinhlobo zama-akhawunti asebhange owafunayo, bese uthola ibhange elikunikeza lokho okufunayo.

➤ Zitholele ezinye izinsiza ezinikezwayo

Abanye abantu bathanda ukuphatha zonke izimali zabo ngenkampani efanayo. Uma ufuna ukwenza okungaphezu nje kokugcina imali yakho ebhange, bheka ukuthi bakunikeza noma yimiphi imikhiqizo namasevisi alandelayo: ama-akhawunti otshalomali, imali ebolekiwe kanye nezinye izikweletu (ezomuntu siqu, ezezimoto, ezibolekiwe zabafundi ezizimele).

➤ Bheka izikhungo ezingabizi kakhulu

Awufuni ukulahlekelwa yimali ngokuvula i-akhawunti yasebhange. Ake sithi unama-akhawunti amathathu esikhungweni, futhi bakhokhisa imali yanyanga zonke nge-akhawunti ngayinye. Ingahlanganisa ngempela!

Mayelana nezinkokhelo zesevisi zanyanga zonke, cishe uzodinga ibhange elinikeza okunye kwalokhu okulandelayo: Awekho amacala, Izinkokhelo ongaziyeka, Izimali eziphansi, Izimali ze-Overdraft, Nj.

➤ Khetha phakathi kwebhange elingokoqobo nebhange eliku-inthanethi

Nquma ukuthi uyalifuna yini ibhange elinezindawo ezibonakalayo noma ibhange eliku-inthanethi. Ungase ukhethe ibhange elingokoqobo uma uthanda ukukwazi ukungena esakhiweni futhi ukhulume nomuntu osebenza ebhange mathupha.

Kodwa amabhange aku-inthanethi ngokuvamile akhokhisa izimali eziphansi futhi ukhokhe amazinga isithakazelo esiphezulu.

➤ Qiniseka ukuthi ibhange lakho liyafinyeleleka

Uma uthanda ukungena ngokoqobo esikhungweni sakho sezimali, bheka ukuthi yimaphi amabhange nezinyunyana zezikweletu amagatsha eduze kwendawo ohlala kuyo noma ukusebenza. Uma uhamba kakhulu, ungajabulela isikhungo esinamagatsha amaningi.

Uma kungenjalo, ungase ufune ukuhamba nalokho okukusebenzelayo. Uma usebenzisa i-ATM ukwenza izinto eziningi, hlola ukuthi zingaki endaweni yangakini futhi izokubiza malini ukuyisebenzisa.

Izinyunyana eziningi zezikweletu zine-charter yomphakathi. Lokhu kusho ukuthi uma uhlala noma usebenza emphakathini abawusebenzelayo, ungaba yilungu.

Uma ucabangela inyunyana yezikweletu, qiniseka ukuthi uyakufanelekela ubulungu. Amabhange abanayo imingcele kumakhasimende abo.

Isihloko okufanele sifundwe: Okufanele ukwazi ngama-akhawunti asebhange ezingane

Uma ukhetha ukufinyelela ku-inthanethi noma ngeselula kuma-akhawunti akho, hlola amanye amawebhusayithi ebhange nawenyunyana yezikweletu. Iningi hlinzeka ngezinsizakalo zokubhanga ku-inthanethi kanye neselula, kodwa ezinye zingafinyeleleka kakhulu kunezinye.

➤ Cabangela uhlobo lwebhange: elamaSulumane noma elivamile

Uma ufuna ukwenza imisebenzi engenanzalo, khetha amabhange amaSulumane. Bangamabhange abamba iqhaza ngoba babelana ngokulahlekelwa kanye nenzuzo namakhasimende abo. Zihluke ngokuphelele endleleni ezisebenza ngayo. Iqiniso liwukuthi ezezimali zamaSulumane zinezimiso zazo.

🌿 Isifinyezo...

Ngokwazi kangcono ukusebenza kwamabhange kanye nokutshalwa kwezimali okuhlukahlukene, uzokwazi ukutshala imali wazi futhi yakha impahla yakho ngokuthula. Tukuphuma kungumbuzo wokulinganisa imbuyiselo, ubungozi kanye nomkhathi wokutshalwa kwezimali ngokwezinjongo zakho. 🎯

Ngakho-ke, ingabe usukulungele ukuqalisa i-adventure yokutshala imali? Umdlalo uwufanele umzamo wokuvikela ikusasa lakho lezezimali! 💪💸 Zizwe ukhululekile ukungithumelela amazwana akho ukuze uthuthukise lokhu okuthunyelwe kwebhulogi. Bonne iphephabhuku!

Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukufundisayo indlela yokuthengisa izeluleko ku-inthanethi. Chofoza lapha ukuze uyithenge.

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