Ukunyuka kwamaxabiso kuhlala kuthethwa ngako njengenxalenye yokugqwetha okukhulu kuqoqosho, kwanokukhuthaza amanyathelo emali okulwa nalo. Phantse wonke umntu uyayiqonda, ngaphezulu okanye kancinci. Kodwa kunqabile ukuthetha malunga nentshukumo eyahlukileyo, ekungekho enye ngaphandle kokuphambuka. Kuqala kuya kufuneka uyazi ukuba iqulathe ntoni kwaye indlela enokukuchaphazela ngayo kubomi bakho bemihla ngemihla, kubandakanya ubudlelwane nebhanki, okanye neemveliso zotyalo-mali. Ewe iya kuba neziphumo ezininzi kunokuba ubucinga ekuqaleni, kwaye ezinye zazo zinokukothusa ngokumangalisayo.
Ukuhla kwexabiso kubandakanya i ukuhla ngokubanzi kunye nokuhlala ixesha elide, ubuncinci beesemester ezimbini, kwinqanaba lexabiso lempahla kunye neenkonzo kwaye oko kudla ngokukhula phambi kwe- ukuwa kwimfuno. Kwaye oko kukhuthaza indawo elungileyo yezoqoqosho eziphambili ukuba zibhekise kwingozi yayo enkulu ngokubhekisele kwixabiso lentengo. Ayothusi into yokuba ikhokelela kuxinzelelo kuqoqosho ukuba ekuhambeni kwexesha kunokuba yingozi kuye wonke umntu, kuchaphazele ukukhula koqoqosho, okanye nomsebenzi, njengoko ubona kweli nqaku.
Kuyinyani ukuba le meko yezoqoqosho kunzima ukuyichaza kunakwimeko yokunyuka kwamaxabiso, kodwa akunakulindeleka ukuba ingabonakali. Ukuchaphazela ngokufanelekileyo uqoqosho lwala mazwe ahamba kule meko. Ukuza kuthi ga ngoku, kuya kubakho iimveliso zotyalo-mali eziluncedo ngakumbi kunezinye, apho zivelisa imbuyekezo enkulu kulondolozo. Kusenokufuneka ukuba utshintshe isicwangciso sakho sotyalo-mali ngale meko intsha yoqoqosho. Ukusuka kule meko, kuya kuba nakho ukuchaza ngokucacileyo ukuba iya kuba yeyiphi imeko yokwenyani oya kuyifumana ngokuqala kokuphambuka.
Ukuchasana eSpain
Esinye seziphumo eziveliswe ngumgaqo-nkqubo wezoqoqosho wangoku, nanjengonyango lokulwa nengxaki enkulu yezoqoqosho eye yenzeka eSpain, ibe luphuhliso olungalindelekanga lweli lizwe lezoqoqosho. Kwaye abahlalutyi abohlukeneyo babhekisa njengengxaki eyongezekileyo kuqoqosho lwaseSpain ngoku. Kwaye ukuba ihlala iinyanga ezimbalwa ezizayo, inokuba nayo iziphumo ezibi kwizixhobo ezinemveliso yezoqoqosho lwelizwe lethu. Akumangalisi ukuba esi sisilumkiso esomeleleyo esenziwe ziingcali eziphambili zezoqoqosho.
Kule meko ayikhuthazi kakhulu, kufanele kuqatshelwe ukuba inqanaba lokwahlukahluka kwe-Index yamaxabiso abaThengi (CPI) kuFebruwari odlulileyo. Yayiyi-0,8%, ishumi ezintlanu ngaphantsi kwabhaliswa kwinyanga ephelileyo, emva kwedatha yamva nje ebonelelwe liZiko leLizwe leNkcukacha-manani (i-INE). Kwaye apho kubonisiwe ukuba umahluko wenyanga kwisalathiso ngokubanzi uye wehla ngeli xesha nge-0,4%. Ngenxa yala manani, kunokubonwa ukuba ukusilela kufikelele kuqoqosho lwesizwe. Kwanele ukubona ukuba lide kangakanani, okanye ukuba ngokuchaseneyo, yinto edlulayo.
Apho amaqela anefuthe elikhulu koku kuncipha: uthutho, olwehlise iqondo lalo phantse ngamanqaku amathathu ukuya kwi-4,7% ikakhulu kungenxa yokuba kulenyanga amaxabiso ezinto zokubasa kunye nezinto zokuthambisa zehlile ngexa ngoFebruwari 2015 zenyuka. Ukutya kunye neziselo ezinxilisayo, ngokwahluka kwe-1,3%, ezisibhozo kwishumi ngaphantsi kwenyanga edlulileyo. Nangona ukunyuka kwamaxabiso emifuno entsha kukwavela, kungaphantsi kunonyaka ophelileyo. Kwelinye icala, kufanelekile ukuba sikhankanye ukwehla kwamaxabiso entlanzi kunye neziqhamo ezintsha, ezingaphezulu kunezo zibhaliswe kunyaka ophelileyo.
Ngenxa yezi datha zaseburhulumenteni, uya kuba nefuthe lokuqala ngalo lonke ixesha usiya emarikeni, okanye kwivenkile yokwenza inqwelo yokuthenga. Hayi ngelize, kwezi nyanga zokuqala konyaka omtsha kuyakubiza imali encinci ukugcwalisa imoto, ngakumbi ngokutya kunye neemveliso. Ngokuqinisekileyo sele uyijongile kolunye utyelelo lwakho kula maziko eentengiso. Umthetho oyilwayo awuzukunyanzelwa njengakwezinye iimeko, ezinye zazo azikho kude kakhulu ngexesha.
Nokuba ichaphazela ezinye iindawo kubudlelwane bakho nokusetyenziswa. Ayisiyo kuphela ukutya, kodwa nezixhobo zasendlini, izixhobo zedijithali, kunye neenkonzo zabakhenkethi. Ngokomgaqo, unokuxhamla kumaxabiso okhuphiswano ngakumbi kuneenyanga ezimbalwa ezidlulileyo. Kwaye oko kuya kuchaphazela, ngokuqinisekileyo okukhulu, ukuba Imali eseleyo kwi-akhawunti yakho yebhanki isempilweni Inyanga qho. Hayi ngendlela enomtsalane, kodwa ubuncinci ukufikelela esiphelweni seli xesha ngeengxaki ezimbalwa kuqoqosho lwasekhaya.
Yenza imveliso esezantsi
Ukuza kuthi ga ngoku sele ubone iziphumo ezilungileyo zeli lizwe kuqoqosho lwelizwe. Kodwa abayi kuba nobubele, kude nayo. Kuba, ngokuchaseneyo, ukusilela kubangela iimeko ezingafunekiyo kulo naliphi na iqela. Xa ufumanisa amaxabiso angcono kwiinkonzo nakwimveliso, ayothusi into yokuba abasebenzisi ngokwabo bayeke ukusetyenziswa kwabo, Ndicinga ukuba ezi ntlawulo zingaqhubeka nokuhla kwiinyanga ezizayo. Kwaye banokuzithenga ngezaphulelo kumaxabiso abo, kwaye ngezantsi kwezi zangoku. Kwaye ngale ndlela ukuhamba kwemali kwehla, kuchaphazela onke amacandelo emveliso.
Kwaye kunokuchaphazela njani ukurhoxa kokuhamba kwemali? Ewe, ilula kakhulu, xa lo mkhwa ugqithiselwe kwiinkampani, zibonisa ukwehla kwimisebenzi yeshishini iya kubonakala kukwehla okukhulu kwengqeshoNgenxa yezicwangciso zeenkampani zokuhlengahlengisa uhlahlo-lwabiwo mali, imida yazo yemveliso iyancitshiswa. Kwaye ingaveliswa, njengesiphumo esongezelelekileyo, uhlengahlengiso oluthile lomvuzo. Kwaye oko kuyakwenza ukuba umvuzo wakho wehle ngenxa yokuhla kweentshukumo kuqoqosho lwelizwe.
Enye into enokukuqhagamshela kule meko isusela kwiingxaki zakho ezinkulu ukuzixhasa ngemali (iimali mboleko zakho, ukusetyenziswa, imali mboleko, njl.). Kukuba yinkohlakalo kwabathengi beebhanki enye yeziphumo ezibambekayo zokumiliselwa kwexabiso kuqoqosho lwesizwe. Kwaye banokwenzakaliswa yiyo nyusa inzala kwimigca yakho yetyala, kufuneka ndenze umzamo omkhulu wemali wokunciphisa umsebenzi.
Iingxaki kwisisombululo esinocwangco
Ubunzima obukhulu beenkqubo ze-deflationary kukuba ifuna isisombululo sabo semilinganiselo yemali engenakuthathwa yibhanki ekhupha iSpanish, kwaye ezo zivela kwi-European Central Bank (ECB). Kodwa ke, injongo yayo ayikokugcina uqoqosho lwaseSpain, kodwa kukujonga iimfuno zabo bonke abalingane basekuhlaleni. Okwangoku mancinci kakhulu amazwe akule meko yokudodobala kwemali. Ngento ekugqibeleni isisombululo sayo esiya kuba nzima ngakumbi, okanye ubuncinci siyakulibaziseka ngokwemiqathango yayo.
Ukuza kuthi ga kwinqanaba lokuba uqoqosho lwesizwe lunokuntywiliselwa kwimeko ye-deflationary, ethi inyuswe kukukhula koqoqosho olusezantsi, ukuba iimpawu zokumiswa kokukhula kwinqanaba lehlabathi ziqinisekisiwe, njengoko kulumkisiwe ngabahlalutyi abaziwayo bezemali. Ukuhambelana, kwelinye icala, imeko enokwenzeka, kwaye kule meko, kuya kubonisa ingozi yokwenene kuye wonke umntu, abaqeshi kunye nabasebenzi, kwaye phantse kungabikho namnye okhethiweyo.
Impembelelo kutyalo-mali
Ewe kunjalo, ayisiyiyo imeko elungileyo kubatyali mali abancinci nabaphakathi, njengoko kunokwenzeka ukuba kunjalo, ukusukela oko kunganzima ngakumbi ukuphinda uqhubeke kwakhona kwiimarike zesitokhwe, kunye nemali ngokubanzi. Ngenxa yoko, uya kuba namathuba ambalwa okwenza ulondolozo lwakho lube nenzuzo, kunye nommiselo osezantsi wezinye iindlela zokufezekisa iinjongo.
Ngokubhekisele kwiimveliso eziphambili zokonga (amanqaku ebhengezo ebhanki, iidiphozithi okanye iibhondi, phakathi kwezinye izinto) izehlo ziya kuba sezantsi. Ngaphandle kokuyiqaphela ngokwembuyekezo oya kuyivelisa minyaka le xa usenza ezi mveliso zebhanki ngokusemthethweni. Ngamazinga enzala aya kuqhubeka ukuhlala ngaphantsi kwe-1%, kwaye nakweyiphi na imeko ayonelisi kumabango akho njengomgcini.
Ngokumalunga neengxowa-mali zotyalo-mali, kwaye ngokungafaniyo nezinye iindlela zoqoqosho, azikho iimodeli esele zilungile ezicinga ukwehla. Kwaye kuphela yimpembelelo yayo kwezinye iimali ezinokuphucula ulawulo lwakho lobutyebi.. Ukusuka kule ndawo yokujonga, ukuhla ngokubanzi kumaxabiso ayizondaba zimnandi zokuthatha izikhundla kwiimarike zezabelo. Akunjalo nakwezinye iindlela, ngoko ukhetho lwakho luya kuncitshiswa kakhulu.
Zimbalwa izicwangciso onokuzisebenzisa ngaphambi kokuvela kweenkqubo zokuchasana, kwaye apho eyona nto intle onokuyenza kukukhusela imali yakho ngendlela ekhethekileyo. Ngaphezulu kwentsebenzo onokuyifumana kule meko intsha yoqoqosho. Kwaye apho ukhetho lokukhuseleka olunemveliso ephezulu kwizabelo zabo kunokuba sesona sigqibo singcono onokuwenza, ngaphezulu kwezinye ezinoburharha.
Hayi ngelize, kwaye njengesicwangciso-qhinga esithile, okoko kuya kubakho isixhobo sokuhambisa imali oyigcinileyo kwiimarike zezemali zamasheya ezivela kwizizwe ezingahambelani nentshukumo ye-deflationary. Nangona ukwenza le misebenzi ibe semthethweni kuya kubandakanya umzamo omkhulu wemali, njengesiphumo sokwanda kwamaxabiso athe afunyanwa ziikhomishini zolu tshintshiselwano lwesitokhwe, phantse aphindwe kabini kunakwimisebenzi yesizwe.
Ngaphandle kwayo yonke into, awuyi kuphulukana nayo yonke into, kude nayo, kuba uya kuhlala unakho ukusebenzisa izixhobo ezinobunkunkqele kutyalo-mali (iimali ezithengiswa ngokutshintshiselana, ukuthengisa ngetyala, iziqinisekiso, njl.njl. Inenzuzo kuzo zonke iimeko ezinokubakho, kubandakanya nezona zingathandekiyo. Kwaye phakathi kwabo, kunokuba njani kuncinci, apho kukho ukungahambelani.
Andithandabuzi. Isisiseko, kuba andinguye uqoqosho.
Kuhlala kusithiwa inqanaba elithile lokunyuka kwamaxabiso liqinisekile, eyona nto ijolise kuyo ye-2%. Ndiyaqonda ukuba kukho uphando olunengqiqo malunga noku, kulungile, kodwa abaqinisekisi. Kwaye kukuba kumthengi akukho nto ingcono kunokuba amaxabiso ehle. Iphupha lizaliseka, ukuba amandla okuthenga aphuculwe ngaphandle kokwenza nantoni na.
Kwiisevers ziluncedo. Endaweni yokohlwaya umgcini ngexabiso lentengo elenza ukuba amandla akhe okuthenga anciphe ngokuhamba kwexesha, kusengqiqweni ukonga ixesha elizayo. Yintoni enye onokuyifuna?
Kuyatshiwo ukuba ngokusetyenziswa kwe-deflation kuncipha, "kutheni usidla namhlanje ukuba ngomso ndingadla ngaphezulu ngemali enye?" Kodwa ndiyifumana ingxoxo yethiyori engasebenzi kwinyani. Andazi mntu, okanye nayiphi na inkampani, ethe yalibazisa ukuthengwa ngenxa yokungahambi kakuhle. Ingakumbi itekhnoloji (iimoto, iikhompyuter, iifowuni eziphathwayo, njl.njl.), Kuba iyafikeleleka ngexabiso eliphantsi kwaye ibiza ixabiso eliphantsi, kwaye andikaze ndive ngomntu eyeka ukuthenga.
Kwaye ngokufanayo unokuphikisana malunga neenkampani.
Ngamafutshane, ndibona kuphela izibonelelo zokuchasana.
Kwaye kunomdla kakhulu kule posi nakwiwebhu ngokubanzi, enkosi!