Xa abantu basetyhini abaninzi becinga ngokuthenga iimpahla, bakhetha ukugcina imali encinci kwaye bagcine imali ukuze bakwazi ukuthenga iimpahla zabo kwintengiso. Ayifani nokuthenga ijezi evenkileni kunokubanakho ukuthenga ezimbini ngexabiso elifanayo kwivenkile enye xa intengiso ivuliwe.. Ngoku ihlobo lisondela kunye nexesha elitsha lempahla, ukuthengiswa kwehlobo kufutshane nekona.
Ukuthengiswa kwehlobo lithuba lokuthenga iimpahla zeli xesha lonyaka litsha apho iimpahla ezimbalwa kunye nezambatho eziphawula umfo omkhulu obukhathalele bonke ubusika ziye zahlala. Ke ukuba ufuna ukonwabela ukuthengisa kweli hlobo le-2016 qhubeka ufunda, kuba ayisiyiyo yonke into ehamba nokuchitha imaliKuya kufuneka uyenze ngentloko yakho!
Sukuthenga ukuthenga
Baninzi abantu basetyhini abathi 'baphambane' xa intengiso ifika kwaye bathenge yonke into ephambi kwabo ngenxa yokuba iyathengiswa okanye kuba becinga ukuba sisivumelwano. Kodwa ngamanye amaxesha ukuchitha imali kwizinto ezingeyomfuneko kunokuba yingxaki. Ukuba uthenga 'ukuthenga' uninzi lwezinto ozithengayo ngekhe uzisebenzise kuba zizinto ongazidingi ebomini bakho.
Kwakhona uya kuba uchithe imali ngewugcinile ngomnye umsitho onokuba ungcono kuwe. Kwakhona, into eqinisekileyo kukuba uya kuzisola ngokuchitha ngaphezulu kwemali kuneakhawunti kwizinto ongazifuniyo.
Yenza uluhlu lwezinto ozifunayo
Ngaphambi kokuba uphume uye kuthengisa kwintengiso, eyona nto unokuyenza kukuba noluhlu olwenziwe kakuhle lwezinto ofuna ukuzithenga. Into yokugqibela ekufuneka uyenzile kukuya ezivenkileni ngaphandle kokufumana izimvo ezicacileyo kuba mhlawumbi ngale ndlela uyakugqiba ukuthenga yonke into oyibonayo onokuyenza kakuhle ngexesha lasehlotyeni. Inkcitho yenkcitho bubudenge.
Ke ngaphambi komhla wentengiso yehlobo 2016 ukuqala kufuneka uhlale ekhaya nephepha kunye nepeni kwaye ucinge ukuba zeziphi izinto ofuna ukuzithenga kuba ufuna ngokwenene ekhabhathini yakho okanye mhlawumbi kuba ufuna ukuzinyanga ngokwakho inyani yokuba ziintengiso. Ke, noluhlu olusezandleni zakho, Xa uphuma uyokuthenga kwintengiso unokuba nombono wento ofuna ukuyithenga kwaye iya kuba yinjongo yakho.
Yiba nohlahlo-lwabiwo mali olucacileyo
Xa usiya kuthengisela ukuthengisa kwakho, musa ukusebenzisa kakhulu ikhadi lakho letyala kuba ungachitha imali engaphezulu kunaleyo ufuna ukuyichitha. Kungcono ukuba uhlahlo-lwabiwo mali lugcinwe kwisipaji kwaye usazi ukuba awuzukuchitha yonke loo mali, kwaye ukuba uyisebenzise yonke kodwa ufuna ukuthenga enye into, kuya kufuneka ulinde.
Kungcono ukuhambahamba ezivenkileni ngaphambi kokuthenga nantoni na, kwaye xa wazi ngakumbi okanye ungazazi izinto ozithandayo ngendawo nganye (ungayibhala phantsi kwincwadana ukuze ungalibali xabiso nendawo), khetha eyona nto uyithandayo uyithenge kwaye ulahle eseleyo. Unokuzinceda ngokuthatha iifoto zeempahla ngeselula yakho kwaye ngaphambi kokuba uqale ukuthenga, khangela ukuba yintoni oyithandayo kakhulu. Sukuvumela umnqweno wokuthenga ungakudluli xa kunokwenzeka uphele, ukuba uyaphela, ibingenguwe.
Ikhalenda yokuthengisa ivenkile
Intengiso yasebusika yeminyaka emibini edlulileyo yaqala ekuqaleni kukaJanuwari yaphela ekupheleni kuka-Matshi, yayiziinyanga ezimbini apho iifestile zazizele zizibonelelo apho wawunokonwabela ukuthenga ngexesha lasebusika kunye nentwasahlobo encinci. Kodwa ngoku izinto ziqala ukutshintsha ezivenkileni kuba inentando ekhululekileyo ngakumbi xa isiza kwintengiso ezivenkileni zayo.
Ngoku, iivenkile zisimahla ngakumbi malunga nokukhetha ixesha lokuthengisa kwaye siyayibona ngokubona indlela iivenkile ezinokubeka ngayo ukuthengisa kwabo ukusukela nge-1 kaJanuwari ukuya kumhla abawubona ufaneleke kakhulu ngaphandle kokuthintelwa yimida yonyaka. Ngayo yonke le nto, iivenkile azisadingi kuphela ukuthengisa ngoJanuwari nasehlotyeni, zinokuthengisa ngamanye amaxesha onje ngekwindla okanye intwasahlobo… Iya kuxhomekeka kuhlobo lokuthengisa okanye lwabathengi okanye ngokwendlela abacinga ukuba banokuba nezibonelelo ezininzi ngayo, ngaphandle kobunzima bokuqalisa ukuthengisa kwaye ngaphandle kokuhamba nezinye iivenkile.
Ke, iivenkile akufuneki zibe nokhuphiswano olunoburharha kwaye zinokwenza ukuthengisa ngendlela elinganiselayo, ezolileyo kwaye ngaphandle kokuxhomekeka ekubeni ivenkile ithengisa ngexabiso elinye okanye elinye. Banenkululeko engakumbi.
Iqala nini intengiso?
Xa sele uthethile oku, kunokwenzeka ukuba unamathandabuzo kwaye ngoku awazi kakuhle ukuba yeyiphi imihla oza kuyithobela xa uthengisa kwintengiso. Ngokuqinisekileyo, oku kunokudala ukudideka kuwe kwaye kuqheleke ngokupheleleyo. Iivenkile ziyayazi le nto, kwaye nangona zinokuthengisa ixesha elingaphezulu okanye elincinci kwiivenkile zazo kunye neentlobo ezahlukeneyo zamaxabiso, bonke bakhetha ukuqala ngaphezulu okanye ngaphantsi ngemihla efanayo ukuze abantu baqale ukuchitha ezivenkileni zabo ngaphambi kokuba baphelelwe luhlahlo-lwabiwo mali lokuthengisa.
Ukuthengiswa kwehlobo ngo-2016 kuqala phantse kuwo onke amaphondo ngoJulayi 1, ngaphandle kwamanye aqala kwangoko, njengeMadrid, eqala ngoJuni 21, okanye kuluntu lwaseValencian, oluqala ngoJuni 27. Ngokuphathelene nokuphela kwazo, kuya kuxhomekeka kuluntu ngalunye ukusukela uninzi luphela nge-31 ka-Agasti, ngaphandle kwe-Aragón, ephela ngo-Septemba 1, Cantabria, Galicia, ilizwe le-Basque kunye neCastilla la Mancha nge-30 kaSeptemba, uLuntu lwaseValencian Nge-3 kaSeptemba naseMadrid ngoSeptemba 21.
Ngoku ukuba uyakwazi konke oku, ungathandabuzi ukuya kwintengiso yehlobo kwakamsinya nje ukuba baqale kwaye bonwabele yonke into abakunika yona kwindawo ohlala kuyo.