Ungasikhokha kanjani ngokushesha isikweletu?
Imalimboleko ikuvumele ukuthi uthenge into edingekayo futhi ukhokhele izidingo zomuntu siqu eziphuthumayo, kepha manje ilenga njengomthwalo osindayo? Kunzima ikakhulukazi ngokwengqondo kulabo isikweletu sabo ebhange esivimbela ukuba bazizwe bekhululekile. Isikweletu singasithinta kabi isimo esingokomzwelo, siholele ekucindezelekeni isikhathi eside noma ngisho nasekucindezelekeni.
Uma ufuna ukuphuma esikweletini ngokushesha okukhulu bese ukhokha imali ebolekiwe, hlela isabelomali sakho ngokucophelela, funda ukonga imali futhi uqondise zonke izimali ezitholakalayo kuphela ukukhokha imali ebolekiwe. Kulula kakhulu ukudela izindleko zansuku zonke ezingadingekile uma ucabanga ukuthi kunenzuzo enkulu kangakanani ukusebenzisa imali ukukhokha izibopho zamanje zezikweletu, futhi uthenge ama-trinket ngezimali zakho, ozozithola ngemuva kokuba imali mboleko isibuyisiwe.
Ukuze ufunde ukuthi ungazishiya kanjani izindleko ezingadingekile, ake ucabange ukuthi uboleke lawa ma-ruble ayi-100-200 noma izinkulungwane ezimbalwa ebhange, ngokwesibonelo, ukuthenga usofa, futhi kufanele ukhokhe amaphesenti afanayo wokuwasebenzisa njengasemalimboleko akhona. Ukubalwa okunjalo kuzokuncisha ekuthengeni izinto ezingadingekile, ezibiza imali ephakeme kangako (imvamisa iphindwe kabili kunentengo).
Ungakusheshisa kanjani ukubuyiselwa kwemali mboleko?
Ukukhokha imali mboleko ngaphambi komnqamulajuqu oshiwo esivumelwaneni, lalela izeluleko ezilandelayo.
- Yenza izinkokhelo ngaphambi kosuku olubalulwe kuhlelo lokukhokha - izimali ezibolekwe kancane zisetshenzisiwe, inzalo encane itholwa. Ngenxa yalokhu, ukukhokhwa ngokweqile ngokuphelele kuzoba kuncane, okuzokuvumela ukuthi ulahle inkokhelo yokugcina bese uthola nokubolekwa imali phambilini;
- Ukwenza izinkokhelo zosayizi omkhulu kunalokho okuhlinzekwe kushejuli - inani elikhulu olenzayo, kulapho kucishwa isikweletu esikhulu, okuzokusindisa ekukhokheni inzalo eyengeziwe ekhokhiswe esikweletini esiyinhloko.
Ngisho nama-ruble ayizinkulungwane eziyishumi akhokhelwe ngaphezu kokukhokha okuphoqelekile kuzosiza ukonga cishe ama-ruble ayizinkulungwane 1-2 ngonyaka, futhi eminyakeni engu-5-10 inani elilingana nenkokhelo eyengeziwe. Ngakho-ke kuzovela ukuqoqa ekhishini. Ukwenza inkokhelo osukwini olungu-1 ngaphambili kuzoletha ukonga okungu-0.05-0.1% wenani lemalimboleko.
Ungayibuyisa kanjani ngokushesha imalimboleko eminingi?
Esimweni lapho kutholakala imali mboleko eminingana, futhi udinga ukukhokha isikweletu ngokushesha, ungasebenzisa enye yalezi zindlela ezilandelayo:
- Ukubuyisa imali mboleko encane kunazo zonke kuqala - le ndlela ifanele labo abafuna ukuletha imiphumela yezenzo zabo eduze, isibonelo, esikhundleni semalimboleko amathathu ngemuva kokukhokha ibhalansi yemalimboleko encane kunazo zonke, kuzosala ezimbili kuphela, bese kuba eyodwa;
- Ukubuyisa imali mboleko ngezinkokhelo eziphakeme kakhulu zanyanga zonke - le ndlela izokwehlisa umthwalo omkhulu kusabelomali, kepha ngeke uwubone ngokushesha umphumela, ngoba imvamisa kuba nezinkokhelo ezinkulu zenyanga nenyanga zemalimboleko ekhishwa isikhathi eside;
- Buyisa imali mboleko ebiza kakhulu ngenani lenzalo ephezulu kakhulu. Isixazululo esifanelekile ukukhokha okokuqala imalimboleko, ebiza kakhulu kunezinye, futhi akusizi kangako ukuyisebenzisa isikhathi eside.
Ungasebenzisa enye indlela yokusheshisa izindawo zokuhlala nababolekisi abaningana - ukukhokhela izikweletu kabusha noma ukuhlanganisa.
Esikhundleni semalimboleko engu-2-3 emabhange ahlukene, faka isicelo esisodwa ebhange esinikeza izimo ezihle kakhulu nenani lentengo ephansi. Lokhu kuzokwehlisa inkokhelo yakho yanyanga zonke. Ungafaka isicelo semalimboleko enjalo noma kuwebhusayithi yebhange, ngaphandle kokuphuma endlini.
Ibhange lingakuvimbela kanjani ukubuyiselwa kwemali mboleko okusheshayo?
Akusizi ngalutho ebhange elibolekayo ukuthi ababoleki bakhokhe izikweletu ngaphambi kwesikhathi futhi bakhokhe inzalo encane ekusetshenzisweni kwabo. Ukuvikela ukukhokhwa kwemali mboleko ngaphambi kwesikhathi, amabhange angathatha lezi zinyathelo ezilandelayo:
- Ukusetshenziswa kokumiswa kwemali ekhokhwa ngaphambi kwesikhathi ukuvimbela ukukhokhelwa okuphelele kwemali mboleko ezinyangeni ezimbalwa zokuqala zokusetshenziswa kwayo, noma ukwenqabela ukukhokhwa kwasekuqaleni ngokuphelele, kepha lokhu akuvunyelwe ngumthetho wamanje waseRussia.
- Izinhlawulo ngendlela yamakhomishini nezimali zokukhokha kusenesikhathi noma ngokugcwele ukukhokha izibopho nakho kuyindlela engavunyelwe engaphonswa inselelo kalula enkantolo.
- Nciphisa inani lenkokhelo encane eyenziwe ukukhokha isikweletu, ukusibeka ezingeni, ngokwesibonelo, amashumi ezinkulungwane zama-ruble, okuzokwenza kube nzima ukwenza kombolekayo ofuna ukukhuphula kancane inkokhelo yanyanga zonke ukuze asindise inzalo.
- Ukubhala phansi imali yokubuyisa imalimboleko evela kwi-akhawunti yemalimboleko kuphela ngenani nangosuku kuphela olubalulwe kuhlelo lokukhokha. Akunandaba ukuthi iklayenti lizama kanjani ukukhokha kusenesikhathi, ibhange ngeke likwamukele ngaphambi kosuku oluthile.
Kungenzeka ukhokhe ngokushesha imali ebolekiwe futhi, ngokwesibonelo, faka uNyaka Omusha ngaphandle kwesikweletu, uma usebenzisa enye yalezi zindlela ezingenhla, njengoba ubusebenzisa ubukhali ngaphambili.