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Ukuthengiswa kwezimali nezinyathelo zokusebenza kwangaphandle kofakazi kudinga ukuzinikela kakhulu ekubeni ukuguqulela imali izindleko, ezinokuba yizinkinga ekhulu kumugqa wakho. Ngaphandle kuba ngumkorporasi wezimali, umdlali wengcwalisa encane, noma indvidyual engeza imali phakade, ukwazi ukuthi kanjani ukunciphisa izindleko zokushintshana komthwalo futhi ukulanda amalini amahle akhethekile kubalulekile kwezimali. Indawo yokuthenga yesimanje inikeza izindlela eziningi nezixhobo ukuze ususe emhlabeni ongavamile wokushintshana komthwalo ngelishaa ubuyiselwe amandla akho okuthenga.
Ukuziqonda Kwezimali Zokuhumusha Kwemali
Imithetho Yomthwalo Neenguquko Zalimali
Amathungwa omthwalo avuleka amahora angama-24 emini ngamunye emakhanda aphathelene nomkhakha wesilwana, ngalokho amalini ashintsha ngokuphindaphindiwe ngokusekelwe kumqondo wemali, izenzo zezopolitiki, namazwi atholakele. Lezi zinguquko zikhiqiza amandla abalulekile kubusinesses obalulekile kanye nabantu ukuze bahlale ngempela kwizinyathelo zakhe. Ukufunda izinhloso eziphazanyiswa yiziguquko zomalimali kusiza ukuba ubeke inhliziyo yekhala elihle lokugcwalisa izinyathelo zakho zokushintshana komthwalo.
Imigomo yezimali, izinkinga zokuthakatha kanye nezindleko zokuthengisa ziyinxenye ebalulekile ekubaleni kwamathambo. Uma isikrini sezimali senhlanga isanda amathuba, amathambo akhe ayaphakama ngoba abasebenzisi bafuna iziphumo eziningi. Ngaparasela, ubuhlobo obukhulu kanye nezindleko eziyinhle zokuthengisa zazidinga ukuthutha amathambo, ngelika-kuhlukahluka noma ukungahlanjwa kwezempilo noma ukungaqondakala kwezempilo kungayibusa amathambo.
Izindleko Ezifihlwe Emasuntwini Ama-Ebanking
Amasuntwini aseZulwini amakhetho amaningi kumahluko phakathi kwezimali, kufana nokuphakama kwebhanki, amaphakamiso emsango, kanye namaphakamiso ebhanki yomphakathi. Ukuphakama kwebhanki kuyinto eyahlukene phakathi kwehodwa lombhali wamasuntwini kanye nehodwa lefakelwe kubasebenzisi, okuvame ukuba kuhlala kusuka ku-2% ku-5% ngaphezulu kohodwa lwasesandlwini. Lezi zinkinga kungakhathazeki ukuthi kuzide izindleko zomsango, ikakhulukazi kumaqhawebhanki amaningi.
Izindleko zokuthumela imali ngendlela elekthroniki zihluka kakhulu phakathi kwe-$15 ne-$50 ngalinye ingxenye, ngaphandle kwezimali ezithunyelwayo. Ngaphezu kwalokho, izinkampani zokuthutha zingathatha izindleko zokuphatha emaphakathi, ekhulisa ububi bezindleko zakho zokuthumela imali ngezwe. Ukuqonda lezo zindleko kukunciphisa izindleko ngokusebenzisa abasebenzi besivumelwano esahlukene.
Ukubala KweNtando Ngezimali Ezilungile
Ukuhlolwa Kwemercantile Kuyilapho Ukubala Kuyenzeka
Ukulungiswa kwemali kudinga ukubala okuphambili kwezinhloso zomercantile nezindikimba zezemvelo ezibangela izindleko zomthelela. Abaholi bezemali basebenzisa ukuhlolwa kwezobuchwepheshe, ukuhlolwa kwezobunzima, nezindlela zokubona ukuhamba kwemali. Nakuba amathambo angabi afuneki izinhlelo ezinezimo ezithile, ukuqonda izinhloso eziphambili zomercantile kungakusiza ukuthola izikhathi ezilungile zokuthenge nokuthengisa imali.
Izikhalenda zomnotho zibonisa izimangalo eziphambili njengezinqumo zeqondo le-interesi, izinkumbulo zokumema, neziviko ze-GDP ezihlala kuthutha ubuguqukayo bezimali. Ukubhalela izinyathelo zakho ngalokhu kuzo kuyakuvumela ukuthi uthole inkinobeko yeziguquko ezifanele kuma-rates noma uvikeleke izikhathi ezinezinkinga eziningi ezikudinga indlela engcono.
Amakhontilethi aPhambili namathiyori aKukhethwa
Amakhontilethi aphambili avumela izinkampani ukulungiselela i-rates yezimali ezikhona kanye nezinyathelo ezizofakwa emva, futhi zinikeze ukuphepha kwezimali ezingenawo. Lezi zixhumanisi zibalulekile kakhulu kumazinkampani anemnukwane yokulipha phakathi kwesizwe, zavumela ukubhalela kahle futhi kuthintele ububi bezimali kumphakathi wokubhalela kwabo.
Izinqumo zokuhlambela kungakhathalwa ukusuka kumthetho waphambi kwe-contracts kuze kube ngamanye amathintana okuthinta okunempelimpeli engcinezela ukuphephela okunembambisweni kodonga olukhulu. Indlela efanele yokuhlambela ihlambela kumele ibe yiniqhamo yakho, inani lokugcina, nokwazekeza kwezimali zakho. Ukuxhumana nabasebenzi basekile ezinyaweni zezimali zokuthengisa kunciphisa ukuthi yini indlela efanele yokuhlambela ngokulinganiselwe kizindlela zakho.
Abasebezi bokhuselo bezimali ezingenando
Iziphindezelo zemali nge-inthanethi
Iziphindezelo zemali ezigcinwe ngekhompyutha zibabazisa izilwane zokuthumela imali phakathi kwemibuso ngokunika izindleko ezihlelane nezakhiwo ezibonakalayo. Lezi zisevisi zanelisa izindleko ezidingana kakhulu nezinhlangothi ezifanayo njengoba zingahambeki kakhulu kumabhanki amadala, futhi zasindisa abasesha 1-4% ekutseni ngalinye. Kuningi kwezi zisevisi zanelisa izaziso zezindleko nezinkampu zokuthumela okuzenzakalelayo okunciphisa ukulima ngexesha le exchanges zakho.
Abafaki abahlukene abahlukene kubalulekile kubalingana nezinyawo zezimali ezingenando okuthi zazingena ngokugcwele kuzo ukuguqulela imali izinsiza. Lezi zinkampani zisebenzisa teknoloji kanye nezemisekelo ezigcweleze izikhathi ukuze zinike amanani amehluko kanye namaphoyinti amancane kunazo madesipu enkululeko. Imodeli yabo eyangazelelayo yokulahla imali iyekwala izindleko ezingalahlwa futhi inikeza uhlelo olucacileyo lwezindleko ngayinye indlela.
Amaviki we-Hlelo Lokuhlangana
Amaviki wohlelo lokuhlangana okudonsela abantu nabasebenzi abafuna ukuthengisa imali ngokudondolozela, isidingo sokubili, ngamathuba amehluko kunazo madesipu enkululeko. Lezi zinhlangano zihlangana ngezomkhiqizo ezifana nokuthenga komlando, zikhipha izimali zomphakathi bese zilapha izindleko zonke zohlelo. Kodwa, kumele abasebenzisi bacace biso izindlela zokuphepha kanye nokuhlambulukana kwezinhlangano.
Izinhlangano ezinye zokugcina izinhlawulo ngemisebenzi yomgcilwa lwezimali ukugcina imali kuze kube yisikhathi okuthile lokubuyiselwa kwesikhathi. Lendlela isabela ubuhle ngaphandle kokuchitha izindleko zezinhlawulo eziphathelene nezimali. Izinhlelo zembono yesimo noma kusayensi kwegasela kanye nokuvikela kakhulu kulezizinda.
Izixazululo Zokusebenza Kwizakhamuzi
Izinhlelo Zokuthengisa Ngokuzenzekelayo
Izinhlelo ezihlelekile zokuthengisa zafakela izinhlelo ezinezindlela zokuzenzela izakhamuzi ngokwamathuba amathakathi, njengezinhlawulo zokuxhumana noma izikhathi ezithile. Lezi zinhlelo zingahlola izimali ngokuphelele futhi zenze izinhlawulo uma kutholakala izimo ezifanelekileyo, ngakho akudingeki ukulandela ngendlela eyodwa. Ukuzenzela kungcono kakhulu kumabhizinisi onemfundo yokulawula izinhlawulo eziphatha phakathi.
Izinhlelo zokufundisa kwamakhina zihlukaniswe kakhulu lezi zesivumelwano esihlelekile, zihlinzela izindlela eziningi zedatha yomkhakha ukuze zibone izinhlobo kanye nokubala isikhathi esifanele sokushintshana. Nakuba izinhlelo ezinezimali ezide kudinga ukuthuthukiswa okukhulu, nokho izixhenye esingcono sezivumelwano singakha imali enkulu kubizinesi obadinga ukushintshana kwegolide ngokujulile.
Izinhlelo zokusebenza kweselula kanye nokubuka ngokushesha
Izinhlelo zokusebenza kweselula zinikeza indlela elungile yokufinyelela izilinganiso zokushintshana ngokushesha kanye nokwenza izivumelwano ngaphakade phakathi kwezulwini. Lezi zinhlelo zinzima izici ezithile njengezaziso zalinganiso, izihambi zangaphambilini, kanye nokulandela izindleko ezingekelwa abasebenzisi ukunqoba izinqumo ezilungile ngengcamango yazo zizivumelwano zangaphandle. Izaziso ezithumelwayo zihlenza abasebenzisi angahlale akuphinde aphole amandla alungileyo.
Ukuthunyelwana ngezinhlelo zokuphatha imali zombuso kuvumela ukugcina amabhukhu ngendlela epholile futhi ukubhala izinkomba zomnotho. Ezinye izicelo zanelisa i-wallets ezinezimali ezahluke-ahluke ezivumela abasebenzisi ukulondoloza imali ngamathambo ahluke-ahluke futhi acaphulele lapho izindleko zikhiye kakhulu, zinikeza umdalo wokuzithandela ekusakazini komthelelo phakade.
Ukuphatha Isikhathi Nokuzimisela Kwezimali
Inkambo Yomthetho Nembhalo
Imithengiso yezimali eziqukethe izimali ezahlukene kumele iphile ngemithetho eyahlukene, kufaka phakathi amalawuli okungayilwa kwamathambo nezidingo zokubhala izinkomba zomthaxa. Izifundazwe ezahlukene zinezinhlaka ezithile ngokuhlanganisa nokulinganisa kwemithengiso, izidingo zombhalo, nezingxenye ezilingelwa. Ukuphila ngalesi mthetho kususa umbuso wakho kuzinkinga zomshilo futhi kuzimala.
Ukudocumenta kahle kufundiswa ukugcina amabhanga konke okuqukethwe kuzo zonke izidingo zaseNingizimu, kubandakanya ukubona into yokuthinta yezimali nezindima zokusebenza. Amazwe amaningi ayadinga ukuthumela izidingo ezincane kakhulu, kwaye ukungafani kungaba yindlela yokukhokha kabanzi noma imiphumela engcono. Ukusebenzisa abasebenzi abavumelekile bamele ukudocumenta kahle nokuthumela izimpendulo.
Imithetho Yobuchopho Kunye Nokulinda Ngaphandle Kwempilo
Imithetho yobuchopho iyaqhubeka ngokupheleleyo xa kusothwa izinzo zokuguquguquka kwemali, ikakhulu kuzo zonke izidingo ezinkulu noma eziphinde phinde. Abasebenzi abathembekile baphindiza izigaba ezimbili zobufakazi, kubandakanywa ukucofa, indlela yesibini yokuthembeka, kunye nezixhobo zokulinda impilo. Ukuhlatywa kwegunya kunye nokuhlinzekwa kwebhondi kunceda ulwazi lwamakhasi.
Ukuzivikela kufanele kube yindlela ekhokhelwayo yokubona ukuthi umenzi wesicelo uyilungile, ufunde izimvo zomthengi, futhi uqonde izindlela zokuphepha okukhuselekile kakhulu okukhuselekile kakhulu kusayensi sakho. Izinkampani ezitholakala ngokuvamile zihlinza i-akhawunti ezigunyazwe zomthengi baze bathole inshurance yesidalawo engcwele ngaphakathi komphumela wokusebenza. Lezi zixhumanisi zibaluleke kakhulu ukukhuselela ubumnini bakho kusuka emshwaleni noma kusuka ekungabikwanga kwemenzi.
Imibuzo Evame Ukubuzwa
Kungani okufanele ngikhibe uma ngikhetha umenzi wesishifti sesimali
Xa ukhetha umenzi wesishifti sesimali, shayela izilinganiso zakho kulinganiso phakathi komaliphi, ukubonakala kwezimali, isivinini sezokuthutha, izindlela zokuphepha, nokulandelana nokulawula. Hlaziya igama lomnzi, ububi bomsebenzi womthengi, nezinto ezitholakala njengezilinganiso zemvume noma izokuthutha ezavalekile. Kumaqiniso, izinto ezifinyelelayo kufana nokuthuthwa kwe-API, izikhuthazo zezokuthutha eziningi, nezimsebenzi zokuphatha i-akhawunti esebenzayo.
Kungakanani imali angakwenzisa ngokwenyeni ukususa kubhanki ezenzulwini
Iinkululeko kunye nezintu zingasusa i-1-4% ngalinye iitransaki ngekuhambisana nabhanki ezenzulwini kumsebenzi wokuthengisa yimali. Kwicala elikhulu le-$100,000, lokhu kubonisa imali engasuswa eyi-$1,000 kuze kube yi-$4,000. Imali ekususwa ngayo ingafana ngokulinganiselwe kumathuba obhanki bakho bamanje, inani leetransaki, kunye nomsebenzisi esahlukene owakhethayo. Iitransaki ezihlanzekelayo ngokudla zingakwabonga imali enkulu ngonyaka ngokuthintela umsebenzisi.
Iziphumo ze-intanethi zokuthengisa yimali ziphelelekileyo kwiitransaki ezinkulu zombanda
Iziphumo ezihle zokuthengisa imali ephathekayo kusetyenziswa iindlela ezimeleyo zokulawula nokulandela izimvo zokulawula, okwenzela ukuba ziphume ngempahla kumahluko wemali yezakhamuzi. Funda amathwebula anelisiweyo kwiimeko zokulawula, i-accounts ezahlulweyo zamakhasi, i-prothokholi zokubhinqa, kunye ne-inshurance yokuphatha ngcono. Abantu abaninzi abaqhubekayo baphatha ubude beebilione ze-dollars zezimali ngexesha leminyaka bakhuselekela ubunzima obungcono okufana neebhanki ezintlungu.
Yintoni indlela engcono yokulungiselela ixesha lokuthengisa imali?
Ukukhetho kwehodolo ephathelene kakhulu kubaluleke kiziphi izigaba zakho futhi nokwamukela kwakho okungafanelekile. Kumaqiniso afuna amahhala ngemva yokuphuhlisa, ukusebenzisa izivumelwano zokuphambela ukuze mtholele amahhala alungile ahlale akhona kungcono futhi kube yisikhathi esiphindwe ngokuphindwe. Kuzinto ezinenzululwazi, ukubheka ikhalenda yezimali futhi ukulandelela izinhloso zomkhathi kusiza ekuboneni izikhathi ezilungile zokuguqula imali. Ukwenza i-dollarcost averaging ngokwenza izinyathelo ezincane ngokuphindwe kungasiza futhi ekunciphiseni impact ye-volatility yesilinganiso ngokuphindwe.