Yintoni emali ukuba inichaphazela njani ubomi yoluntu?

Impendulo kumbuzo oko kwamaxabiso luyathandabuzeka. Ngokubanzi, oku ukunyuka kwinqanaba amanani, kodwa akunyanzelekanga ukuba bonke. Amaxabiso ezinye iimpahla okanye iinkonzo ukuze nande, ngoxa abanye bahlale zilolo hlobo zazilulo. Oko kuthetha avareji yokunyuka kwamaxabiso. Kusenokubakho enye indlela ityumbe yintoni nokunyuka kwamaxabiso - unciphiso jikelele kwamaxabiso imali, nto leyo ethetha ukuba, kwisixa enye imali onokuzithenga inani elincinci kakhulu kwempahla kunye neenkonzo eziyimfuneko. Ngoko ke, kukho ukuqokelela ngokugqithisileyo imali engaphezulu neemfuno ingeniso.

Yintoni emali?

Ukunyuka kwamaxabiso ngesikali (amaxabiso izinto ezahlukeneyo musa ukutshintsha xa kuthelekiswa namanye) kunye esingangqinelaniyo (ezinye amaxabiso enyuka eninzi kunezinye). Unobangela lentengo zifunwa kwemfuneko (inflation imfuno - lo kwakuwo kwemali kunye nonikezelo oluqingqiweyo lweempahla) kunye nesivakalisi (xa amaxabiso enyuka ngenxa yokwenyuka iindleko zemveliso). Ngoko ke, kukho ukungalingani phakathi ubonelelo kunye nemfuno ekhoyo ikhokelela kwamaxabiso.
Kuxhomekeka izinga lokukhula kwamaxabiso ukwahlula ezi ndidi zilandelayo:

• Njengezinambuzane (elinokuba phakathi) inani eliqingqiweyo ukukhula kwi-10% ngonyaka ngamnye. Esi inflation eqhelekileyo, oko kuthetha ukuba uqoqosho, makhe sihlolisise ngokufutshane. Ukunyuka kancinane imali kwandisa yokuhlawula amatyala, ukwenza ngetyala atshiphu, lukwakhuthaza ukukhula kwemveliso, ntsha isakhiwo sayo, kwandisa kumsebenzi mali. Naye, kunye nokukhula kwimveliso ulibuyele ukulingana phakathi ubunzima nengobozi yempahla kunye nemali, kodwa inqanaba ngexabiso eliphezulu.
• Liphala emali - ukunyuka kwamaxabiso ukuya ku-50%. Ingaba ingozi kuqoqosho lweli lizwe. Kule meko, urhulumente weli lizwe kufuneka athathe engxamisekileyo amanyathelo anti-kwamaxabiso.
• Emali - an ngeenkwenkwezi ixabiso ukukhula ukuya kwi-100% ngenyanga nganye. Ezikhubazayo uqoqosho kunye kukhokelela a nangokunaniselana. ixesha uphawu isakhiwo noqoqosho olululo.
• Nangqesho - emali ihamba yokunqaphela, ukuhla kwimveliso.

Yintoni kuchaphazela ukwenzeka emali?

Ukususela impendulo yombuzo, yintoni na izinga lokwenyuka kwamaxabiso, kulandela ukuba kukhokelela ekwandeni okucothayo umqulu iyonke iimpahla ezikhoyo kule nkqubo ubonelelo ngemali. Kwakhona, isixa semali kunye nomthamo kweempahla abe "umlamli" - ithetha izinga ingeniso kule nkqubo. Xa ukwandisa isixa ubunzima yorhwebo ayitshintshi, kuyanda imali unikezelo. Ukunyuka kwamaxabiso kungabangela:

• inkcazo amaxabiso abadla bodwa, ingakumbi izinto market ekrwada;
• ukunqongophala kwabasebenzi, ngenxa ongakhula umvuzo;
• isidoda imali karhulumente;
• lokubanga abavela kwiimanyano zabasebenzi, ekhokelela kumgangatho ophezulu nemivuzo.

Indlela yokulinganisa kwamaxabiso?

Kuxhomekeka injongo yovavanyo kuphando kuneqondo lokunyuka kwamaxabiso uvelisa ngeendlela ezahlukeneyo. Iimpawu Zokulinganisela Indlela khowudi: amaxabiso abenzi, iindleko zokuphila, amaxabiso asethi. Funda kwakhona amandla ukuthengwa imali yelizwe kwaye ukutshintsha indlela ngayo. Umlinganiselo yenkcitho yangoku kuluhlu ethile kwemveliso iindleko ixesha reference umiselwa Paasche index.

Kodwa indlela ixhaphakileyo yokuqingqa izinga lokukhula kwamaxabiso - ixabiso Isalathisi se ngesifo sephepha, xa kuthelekiswa kunye nexesha base.

Indlela emali luchaphazela umgangatho wokuphila?

Ukuba inqanaba ixabiso udlula ukwanda ekukhuleni amalungu yengeniso ngegama oluntu, ngoko kwanciphisa ingeniso yokwenene yabantu, nto leyo umiselwa ingeniso ezifunyenwe iimpahla kunye neenkonzo. Ngaphezu koko, kule meko echaphazela abantu abanemivuzo esisigxina: abadla umhlala-phantsi kunye nabasebenzi bakarhulumente.

Ngaloo ndlela, kuyenzeka ukuba ukunika ingcaciso eyahlukileyo oko inflation - a nokunikezelwa kwengeniso eluntwini.