Iimfihlo kuThengiso loTshintshiselwano ngeMali zityhilwe
Izigidigidi zeedola ezixabisa iidola zitshintsha izandla kwimarike yokutshintsha kwemali yonke imihla kodwa ipesenti enkulu yabo bangena kwimakethi baphuma kuyo yaphuka. Bambalwa kuphela abakwaziyo ukufumana inzuzo kwimisebenzi yabo yorhwebo kwaye banako ukuhlala kwimarike ukuze bazuze amava amaninzi ixesha elide. Abo banomdla wokuthatha isabelo sabo senzuzo kolu rhwebo lwezezimali bayaqonda ukuba bafuna ukufumana iimfihlelo zotshintshiselwano ngorhwebo.
Eyona mfihlelo inkulu kukuba akukho mfihlo yokurhweba ngemali ngempumelelo ngaphandle kweengcebiso ngeengcali esele zikho ukuba wonke umrhwebi oqalayo afumane. Ubambe imfihlo yokufumana inzuzo kwimarike yorhwebo. Wena kunye nokukhetha okwenzayo konke ukuphembelela indlela eya kuba yinzuzo ngayo iakhawunti yakho yorhwebo. Ke ngoko, kuya kufuneka uthathe amanyathelo afanelekileyo ukuqinisekisa ukuba wenza ukhetho olufanelekileyo kwimisebenzi yakho yorhwebo. Ezi zigqibo zibandakanya ukhetho lwakho kwiqonga lokurhweba, iipateni zorhwebo kunye nemiqondiso, ngababini bemali, ukurhweba rhoqo, ubungakanani beqashiso, ubungakanani beakhawunti, amandla okunyusa kunye nomda, kunye nomthengisi we-forex phakathi kwabanye.
Jonga ezi ngcebiso zilandelayo malunga nendlela onokuzenza ngayo ukhetho olunenzuzo kurhwebo lwakho lotshintshiselwano:
- Musa ukuthengisa ngaphambi kwexesha: Kuya kufuneka ukhethe ukuzifundisa ngokwakho ngaphambi kokufaka imali kwiakhawunti yakho yorhwebo. Kukho iinkqubo zorhwebo ezikuvumela ukuba uziqhelanise neakhawunti yedemo kuqala kwaye ufunde iintambo zokurhweba ngokutshintsha kwemali. Thatha lonke ixesha olifunayo ukufunda iitshathi zakho kunye nazo zonke izixhobo ezipakishwe kwinkqubo yakho yorhwebo. Ziqhelanise nezikrini ekufuneka uzinyusile kunye neenkqubo ekufuneka uhambe ngazo ukuseta amashishini akho. Naliphi na iqonga lokurhweba elinzima kakhulu kuwe ukuba uhambe ungakulungelanga. Nje ukuba ufumane ukurhweba, ungaqhubeka uvule iakhawunti yokurhweba ngoku.
- Musa ukuthengisa ngeemvakalelo zakho: Esi sesinye seengcebiso rhoqo ezinikwa ngabarhwebi abaziingcali. Unokwenza ukhetho oluphosakeleyo ngokulula xa uthengisa ngeemvakalelo zakho. Esi sesinye sezizathu zokuba kutheni abantu befumana ukurhweba ngempumelelo kwiiakhawunti zabo zedemo kwaye emva koko basilele kwakamsinya emva kokuba benze urhwebo lwabo lokuqala. Kulula ukungathandabuzeki ngemali yokuziqhelanisa neakhawunti yedemo kodwa hayi xa eyakho imali sele isemngciphekweni. Ukwenza uninzi lweakhawunti yakho yedemo, yithengise ngokungathi uthengisa eyakho imali kwaye ubone ukuba uyakwazi ukulawula iimvakalelo zakho phakathi kwamaxabiso entengo ehla enyuka.
- Qala ngobungakanani beakhawunti enokulawuleka: Ufuna ukwenza inzuzo enkulu kodwa awufuni kuphulukana nesenti nganye kwiakhawunti yakho yorhwebo ngaphambi kokuba wenze njalo. Akunyanzelekanga ukuba uhambe ngokupheleleyo kwaye ube semngciphekweni wokucinywa kumdlalo wokurhweba ngemali ngokukhawuleza xa usenza urhwebo lwakho lokuqala. Iingcali zorhwebo zicebisa ukubeka ipesenti yengeniso yakho elahlekileyo kurhwebo ngalunye kwaye ukhulise iakhawunti yakho inyathelo elinye ngexesha.
Zonke ezi zinto ziya kuba nefuthe kwimpumelelo oya kuba nayo kwimisebenzi yakho yorhwebo. Xa usenza olu khetho, kukwakho nezinye izinto zangaphandle ekufuneka uziqwalasele. Ukulinganisa ukudityaniswa kwezi zinto kubalulekile kuzinzo lwexesha elide lokurhweba ngemali yakho.
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