Mhlawumbi unolonwabo kakhulu indlela abantu abahlukeneyo abangabatshatileyo. Kodwa nangona kwahluka kwaso, ezi zibini zithandwa ukubelana ngokulinganayo nomnye umkhwa ofanayo: ababancitshiswa kakhulu ukuba bahlele ixesha labo kwixesha elizayo kunezibini ezitshatileyo.
Enyanisweni, ukuhlalisana nabantu abatshatileyo bajongana nemiba ekhethekileyo yemali kunye nezigqibo xa kuziwa ekulawuleni imali yemali. Nazi iimbambano eziphezulu ezintathu zemali ezijongene nezibini ezingatshatanga namhlanje:
IiNgxelo ezidibeneyo okanye ezahlukileyo kunye neengxaki ze-Asset
Iingcali ezininzi zezezimali zicebisa ukuba kumanyathelo okuqala olwalamano abatshatileyo bokuqala ukugqiba ukuhlala kunye kukulungele ukugcina izinto ezihlukeneyo ukukhusela iingxabano zepropati kamva. Iingxelo ezahlukileyo mhlawumbi zibaluleke nakakhulu kunetyala njengemali-mboleko okanye amakhadi-ngetyala. Ekugqibeleni, ukuba zombini amagama e-akhawunti, bobabini babantu banelungelo elingokomthetho kwi-asethi kwi-akhawunti, into enokuba yinto enhle okanye emibi kuxhomekeke kwimeko.
Kwakhona kunjalo kwimeko edibeneyo njengeemoto okanye izindlu. Iyakwazi ukulinganisa ukuxubusha iimpahla zakho kunye nokuvula i-akhawunti edibeneyo xa isibini esingatshatanga sineendleko ezidibeneyo ezifana nerenti, izibonelelo okanye ukutya, kodwa de ube wenze loo mgangatho wokuzibophezela kulwalamano (mhlawumbi okanye kungekudala oko kuquka umtshato) , kukulungele ukugcina ininzi impahla ihlukeneyo.
Kodwa zikho iingcebiso ezimbalwa zokulawula iimali ezidibeneyo ngelixa ugcina uninzi lwemali yakho kunye nefa kuqala ngokwahlukileyo:
- Gcina iincwadana ezihlolisayo ngokwahlukileyo kwintsimi yakho engenayo, kodwa uvule i-akhawunti yokutshekisha ngokubambisana kunye nababini kunye nabo, ngokuxhomekeke kwingeniso yakho kunye nesivumelwano sakho somntu siqu ukuhlawula iindleko eziqhelekileyo.
Okanye, gcina uhlalutye iakhawunti, kodwa ubahambise kwibhanki enye kunye neempawu zebhanki ze-intanethi ezenzileyo.
Unomhlaba omncinci kangangoko kunokwenzeka. Ungalokothi unikele imali ekuthengeni i-asethi enkulu, njengendlu okanye imoto egcinwe kuphela kwigama lakho iqabane. Ngoxa unako ukwenza iminikelo yezemali, i-asethi ayiyi kuba ngowakho ngokomthetho. Ukuba i-asethi ingekabo bobabini kuni, kufanele ukuba ngamagama akho omabini.
Ukuba ukhetha ukuthenga indlu kunye, kuya kufuneka unqume phakathi "ubunikazi obambene namalungelo okusinda" okanye "abaqeshi abafanayo." Ngaphantsi kobunikazi obumanyeneyo , ukuba omnye wenu uyafa, omnye uzuza ilifa elipheleleyo. Oku kwenza ukutshintshwa kwepropati elula kodwa kunokufumana impembelelo enkulu yerhafu xa ungagcinanga iirekhodi ezifanelekileyo. Ngaphantsi kwabaqeshi abafanayo, nonke isahlulo sekhaya kwaye xa usweleka, isabelo sakho siya kubani na ochazayo kwintando yakho okanye kwisihlobo sakho esilandelayo ukuba ufe ngaphandle kwentando.
- Abanye abantu bayazivumela ukuba baxhomeke kwizezimali zabo kwiqabane lawo ukuze banokutshatyalaliswa ngokwezimali xa ubuhlobo buphela. Ukuba wena kunye neqabane lakho nenza isigqibo kunye kunye neempembelelo ezichaphazela imeko yakho yemali (njengokushiya umsebenzi wakho), qiniseka ukuba nonke niye nicinga ngempembelelo yemali yesigqibo kwaye inesivumelwano esibhaliweyo esibhaliweyo esichaza iinkcukacha.
- Enyanisweni, njengoko ulwalamano lukhula kwaye mhlawumbi ingeniso yakho kunye neempahla ziqala ukwandisa, unokufuna ukuqesha ummeli weentsapho ukuba enze isivumelwano njengesivumelwano somlingani wasemakhaya esichazela oko kuza kwenzeka kwiimpahla zakho ukuba ubuhlobo bakho buya kupheliswa kukhetha. Ngokuqinisekileyo, kufuneka ube neyona nto inokuzikhethela ukuba ufuna ukupasa.
Imiba yentlawulo yeNgeniso
Ukususela kwimbono yengeniso yombuso, imibhangqwana engatshata ingenza ngcono kunezibini ezitshatileyo. Nangona kukho iinzuzo zerhafu ukutshata, ngelixa ezinye izibini ezitshatileyo zithola into eyaziwa ngokuba yi-bonus yentlawulo yomtshato, abanye bafumana isigwebo somtshato.
Kuqikelelwa ukuba ezinye izibini ezitshatileyo zingahlawula "isohlwayo" ezifikelela kwi-12% yengeniso yazo ehlangeneyo xa ziwela kwicala elingafanelekanga okanye kumacala omqolo wokuqingqa izinto ezifana nokuba banabantwana kunye, njani ukuba amaholo abo ahlukeneyo, kwaye ukuba ngaba i-dedititions yabo.
Ukuba uyingxenye yeso sibini esingatshatanga, uya kuqhubeka ukufakela iirhafu zakho zerhafu, ngoko qi niseka ukuba usebenzise amaxabiso athatywayo kunye namathuba okunciphisa umthwalo wakho werhafu:
- Ukuba uhlala kunye neqabane lakho, kodwa uhlale ungatshatanga, unokwazi ukufaka isicelo " kwinqanaba lekhaya " xa uxhasa umntu oxhomekeke kuye. Le meko yefayile ikuvumela ukuba uthathe i-credit income eyimali ukuba ingeniso yakho ingaphansi komda kwaye ikuvumela ukuba uthathe iikrediti zokunakekelwa kwabantwana kunye nabaxhomekeke kuyo .
- Ukuba udibanisa imali yakho ukwabelana ngeendleko zendlu, oku kudlalwa njengento engekho-ntlawulo yokwabiwa kwezibonelelo. Qiniseka ukujonga kunye neakhawunti yakho malunga nendlela yokusebenzisa le nyaniso.
Imiba yezeMpilo kunye nezoMpilo
Eminye imiba yemali ebhangqileyo engatshatanga ngokwenene inxulumene nempilo kodwa inefuthe elikhulu lemali kumabini omabini. Iingcali zemali zomntu ziyavuma ukuba ukucwangciswa kwezinto kunye neempendulo zezokwelapha ziyimfuneko kubo bonke abantu, kubandakanya imibhangqwana engatshatanga kunye nabalingani basekhaya. Umbuzo wendlela iza kuthathwa ngayo izigqibo ezithile kunye nendlela i-asethi ekufuneka ilandelwe ngayo xa elinye iqabane lidlula okanye likhubazeka akufanele lihlale libuza. Ukuze ulungelelanise la mathuba kunye, izibini eziqabane kufuneka ziqwalasele ukubonisana negqwetha kunye nokulungiselela amaphepha alandelayo:
- Amandla aqinileyo egqwethayo avumela iqabane lakho ukuba lenze izigqibo-zemali okanye ngokunye kuxhomekeke kulwimi loxwebhu - kuwe ukuba awukwazi ukuzenza.
- Ummeli-unyango lwempilo (okanye amandla angapheliyo kummeli wenkonzo yezempilo) uvumela umntu ongeyena isihlobo ukuba enze izigqibo zonyango kuwe xa ungenakulungiswa.
Ewe, kukho ezinye iimbono apho wena kunye neqabane lakho kufuneka nilungiselele ngokuxhomekeke kwiimeko zakho ezifana nokugcinwa kwabantwana, inshorensi yobomi , kunye nabaxhamli abaxhamliweyo kwiakhawunti yomhlalaphantsi. Ngengcebiso malunga nendlela abatshatileyo nabatshatileyo abangajongana ngayo ngokufanelekileyo nemicimbi yezemali, khangela