Kungani Ngaphezu kwe-90% yabo bonke Abahwebi Balahlekelwa Izimali zabo ku-Binomo

Ngaphezu kwe-90% yabahwebi balahlekelwa yimali ku-Binomo. Kodwa kungani futhi ungajoyina kanjani i-10% eyenza imali?

I-Binomo ithi kufika ku-90% yama-akhawunti asebenzayo alahlekelwa yimali. Lokho kusho ukuthi cishe u-10% wawo wonke ama-akhawunti asebenzayo enza imali endaweni yesikhulumi. Iqiniso liwukuthi, abathengisi abaningi abalahlekelwayo abahleli ukulahlekelwa imali yabo.

Eqinisweni, benza ukuhweba okuphumelelayo njalo ngesikhathi. Kodwa-ke, ukuhweba kwabo okuphumelelayo ngeke kwenze imali eyanele ukuqeda ukulahlekelwa. Kodwa kungani iphesenti eliphezulu kangaka labadayisi lilahlekelwa yimali?

Isizathu esiyinhloko esenza abahwebi balahlekelwe yimali ukungahambisani. Bazi inqwaba yamasu okuhweba futhi bazama ukuwasebenzisa kuzo zonke izimakethe abazithengisayo. Baphinde bahwebe ngezimakethe eziningana ngesikhathi esisodwa.

Ngeke futhi balandele izinhlelo zabo zokuhweba. Uzwakala ujwayelekile? Konke lokhu kuhlanganiswe ndawonye kuzogcina kuholele ekulahlekelweni okukhulu.

Esinye sezizathu eziyinhloko zokuthi uzolahlekelwa yimali yakho ukuzama amasu amaningi okuhweba. Cabanga ngalesi simo. Uthole isu lokuhweba elishisayo ku-inthanethi futhi unqume ukulisebenzisa kwezohwebo zakho.

Ukuhweba okumbalwa kokuqala kungabathengisi abaphumelelayo. Bese unquma ukutshala izimali ezengeziwe ekuhwebeni kwakho okulandelayo. Iyalahlekelwa. Ukhungathekile, ubhala isu njengenhlanhla futhi uyofuna isu elisha lokuhweba.

Bekungeke yini kube lula ukubona ukuthi yini ngempela eyenza isu lisebenze? Ungathola ukuthi isebenza kahle kakhulu ezimeni ezithile zemakethe (ezithrendayo noma ezisukelayo). Manje njengoba uyazi ukuthi yini eqinisekisa ukulahlekelwa lapho uhweba endaweni yesikhulumi se-Binomo, i-10% yabadayisi benza kanjani imali?

Isizathu sokuthi kungani abathengisi abangu-10% kuphela bathola izimali ezengeziwe ku-Binomo

Ukuvumelana kuyisizathu esiyinhloko sokuthi kungani kuphela i-10% yabathengisi empeleni benza imali ku-Binomo. Kodwa ukungaguquguquki yini? Okokuqala, laba bahwebi bazokhetha isu lokuhweba elifakazelwe ukuthola imali eyengeziwe.

Alikho isu lokuhweba elingaphezu kwelinye. Okubalulekile ukuthi isu lisetshenziswa kanjani futhi kuphi. Lokho kusho, abathengisi abenza imali banamasu ambalwa okuhweba kuphela.

Ngayinye isetshenziswa emakethe ethile. Isibonelo, isu elilodwa lisetshenziswa ezimakethe zezimali futhi kuphela uma izintengo zithrendayo.

Lelo su elifanayo alinakusetshenziswa ezimakethe zezimpahla lapho amanani ehluka. Lokhu kusho ukuthi abadayisi abaphumelelayo bayaqonda ukuthi okusebenzayo kwenye imakethe ngeke kusebenze kwenye.

Izinyathelo okufanele uzithathe ukuze ube ngumhwebi ophumelelayo we-Binomo

Into yokuqala okufanele uyenze njalo uma uhlangabezana neqhinga elisha lokuhweba ukulihlola ku-akhawunti yakho yedemo. Hhayi kanye, kodwa izikhathi eziningana ezimakethe ezahlukene.

Gcina amasu okuhweba akusebenzela kangcono. Futhi, nquma ngezimakethe ofuna ukuhwebelana ngazo. Ngingancoma nje izimakethe ezimbalwa ezihlobene.

Isibonelo, uma ukhetha impahla ungakhetha igolide nesiliva, uma ukhetha uhlobo lwemali, ungakhetha amapheya ambalwa nje. Kungani? Ukukhetha izimakethe ezimbalwa ongahweba ngazo kukunika ithuba lokuzifunda.

Ngokuhamba kwesikhathi, ungazi ngokuzenzakalelayo ukuthi imakethe ingahle ihambe kanjani ngokubheka amashadi ayo. Futhi lokho kuyinzuzo ozoba nayo ngaphezu kuka-90% wabadayisi abangaphumelelanga.

Isinyathelo sakho esilandelayo kufanele kube ukukhetha amasu okuphatha izimali afanelekile kanye nesikhathi sohwebo lwakho. Ngokuvamile, ngisebenzisa amakhandlela emizuzu emi-5 lapho ngingena kwezohwebo ezihlala phakathi kwemizuzu eyi-15 nengama-30.

Lokhu kwenza ukuhlaziywa kobuchwepheshe kube lula. Izinkomba zokuhweba kanye nohlobo lweshadi olisebenzisayo nakho kubalulekile. Ungasebenzisa amashadi ekhandlela okulula ukuwafunda.

ukuphathwa kwezimali kubandakanya ukunquma kokubili ukuthi uzohweba ngamalini nokuthi ungayivikela kanjani imali yakho. Ukuhweba ingxenye encane ye-akhawunti yakho isikhathi ngasinye kuqinisekisa ukuthi unemali esele ukuze uhwebe uma lokho kuhweba kungaphumeleli. Ukusebenzisa ukulahlekelwa kokuyeka futhi kusiza ukuvikela imali yakho.

Njengoba kushiwo, alikho isu lokuhweba elingaphezu kwelinye. Impumelelo njengomhwebi iwumphumela wokungaguquguquki ekukhetheni isu elifanele nokulisebenzisa ezimakethe ezifanele. Futhi mayelana nokuphathwa kwezimali kanye nemizwa.

Qonda ukuthi uhwebela kuyiphi imakethe

Kufanele ukhethe imakethe ethile ozohwebelana ngayo. Lesi sihloko sizokukhombisa ukuthi kanjani: Imiyalelo yokukhetha ipheya yemali ephephe kunazo zonke ongahweba ngayo e-Binomo.

Ukuqonda imakethe ohwebela kuyo kuhlanganisa nje ukulandela ukunyakaza kwentengo kwakamuva.

Ukubheka nje amashadi entengo kungakunikeza umbono wokuthi imakethe iku-uptrend, i-downtrend noma ibanga. Ngalolu lwazi, unganquma ukuthi ungene kwezohwebo noma uhlale phansi kuze kube yilapho izimakethe zikulungele ukuhweba usebenzisa isu lakho elithile.

Isikhathi sokuhweba sibaluleke njengalapho ungahwebi. Izimakethe ezihambisana nesu lakho lokuhweba kufanele zikunikeze umbono wokuthi kunini lapho kufaneleka kakhulu ukungena endaweni yokuhweba.

Kungani kufanele uhwebe imakethe eyodwa ku-Binomo lapho uqala?

Uma uqala, ngingancoma ukuthi uhwebe ngethuluzi elilodwa lezezimali futhi mhlawumbe ipheya yemali. Kungani? Inhloso yakho eyinhloko kufanele kube ukwenza imali.

Ukuhweba amathuluzi ambalwa ngesikhathi ngeke kukwenze ube nemali. Kodwa-ke, amathuba okwenza imali ayanda uma uqonda kangcono izimakethe kanye nokusebenzisa isu elifanele lokuhweba le-Binomo.

Ukugxila ethuluzini lezezimali elilodwa kwenza kube lula ukuhlonza isu lokuhweba elenza izimali kuleyo makethe. Ngaphezu kwalokho, uzoba nokuqonda okungcono mayelana nesikhathi lapho izimakethe zilungele ukuhweba.

Kanjalo, uzoqiniseka ngokwengeziwe ngaso sonke isikhathi uma ufaka noma yikuphi ukuhweba.