Ukunyuka kwamaxabiso kubhekiselele ekunyukeni okuzinzileyo kwinqanaba lexabiso lempahla neenkonzo kuqoqosho kwithuba lexesha. Kubangela ukunciphisa amandla okuthenga imali - idola namhlanje iya kuthenga ngaphantsi kwedola kusasa. Iibhanki ezingundoqo zizama ukunciphisa ukunyuka kwamaxabiso, kwaye zinqande ukuhla kwamandla emali, ukwenzela ukugcina uqoqosho luhamba kakuhle.
Kukho imilinganiselo eyahlukeneyo yokunyuka kwamaxabiso, njenge-Insumer Price Index (CPI), i-Index yexabiso loMvelisi (PPI), kunye ne-Gross Domestic Product deflator (GDP deflator). Ukunyuka kwamaxabiso kunokuba nemiphumo emihle kunye nembi kuqoqosho, kwaye kubalulekile ukuba abenzi bomgaqo-nkqubo babeke iliso kwaye balawule ukunyuka kwamaxabiso ukuze kugcinwe uzinzo lwezoqoqosho.
Yintoni i-Inflation kwaye isebenza njani?
Sele sisazi ukuba yintoni na ukunyuka kwamaxabiso, kuba siziva yonke imihla. Liphupha elibi ngokwemali nangokweemvakalelo. Imali yethu ayihambeli kude kwaye asinakuthenga kakhulu. Amaxabiso ayenyuka kwaye kubonakala ngathi akukho nto inokumisa lo loliwe ubalekayo.
Inkcazo yezoqoqosho yokunyuka kwamaxabiso ayicacanga: Ukunyuka kwamaxabiso kukunyuka okuzinzileyo kwinqanaba lexabiso jikelele lempahla kunye neenkonzo kuqoqosho kwithuba lexesha.
Inokulinganiswa ngokusebenzisa izalathisi ezahlukahlukeneyo, ezifana ne-Index Price Consumer (CPI), i-Index yeXabiso loMvelisi (PPI), kunye ne-Gross Domestic Product deflator (GDP deflator).
Ukunyuka kwamaxabiso kwenzeka xa kukho imfuno egqithisileyo yempahla neenkonzo. Ukubekwa ngokwahlukileyo, imfuno inkulu kunokubonelela, ibangela ukuba amaxabiso anyuke. Yicinge njengebhaluni - njengoko umoya owongeziweyo wongezwa, ibhaluni iya ikhula kwaye ixabiso layo liyenyuka.
Iimbangela zokunyuka kwamaxabiso
Masitsibele kanye kuyo – Yintoni ebangela ukunyuka kwamaxabiso?
Ukunyuka kwamaxabiso kunokubangelwa zizinto ezininzi, ezifana nokunyuka kwamaxabiso ezinto ezifunwayo, ukunyuka kwamaxabiso neendleko, nokunyuka kwamaxabiso emali. Ukunyuka kwamaxabiso okutsalwa yimfuno kwenzeka xa uqoqosho lukhula ngokukhawuleza kwaye kukho imfuno ephezulu yempahla kunye neenkonzo, okukhokelela kuxinzelelo oluphezulu kumaxabiso.
Ukunyuka kwamaxabiso okutyhalela ngeendleko kwenzeka xa ixabiso lemveliso linyuka, ngenxa yokunyuka kwamaxabiso ezinto ezikrwada okanye ukonyuka kwemivuzo. Ukunyuka kwamaxabiso emali kwenzeka xa kukho ukunyuka kwemali, okukhokelela ekubeni imali eninzi isukele isixa esifanayo sempahla kunye neenkonzo, iqhube amaxabiso.
Impembelelo yokunyuka kwamaxabiso kuQoqosho
Ukunyuka kwamaxabiso kusenokuba neempembelelo ezibalulekileyo kuqoqosho. Inciphisa amandla okuthenga emali, ngoko idola namhlanje liya kuthenga ngaphantsi kwedola ngomso. Oku kunokukhokelela ekuncipheni kokhuphiswano, njengoko iimpahla neenkonzo zasekhaya zixabisa kakhulu xa zithelekiswa nezo zamanye amazwe.
Ukunyuka kwamaxabiso nako kunokudala ukungaqiniseki kwaye kwenze kube nzima kumashishini ukucwangcisela ikamva. Yicinge njengokudlala umdlalo wezitulo zomculo - njengoko umculo ukhawuleza, kuba nzima ukufumana isitulo sokuhlala.
Ukukhusela iimali zakho kwiNdawo yokunyuka kwamaxabiso
Ukukhusela iimali zakho kwimeko yokunyuka kwamaxabiso, kubalulekile ukwahlula utyalo-mali lwakho kwaye unciphise amatyala. Cinga ngokwenza utyalo-mali kwii-asethi ezingenakuchatshazelwa kukunyuka kwamaxabiso, ezifana nezindlu, izinto zorhwebo, kunye nezitokhwe ezinomngcipheko ophantsi.
Unokucinga kwakhona ukuthenga izibambiso ezikhuselweyo zokunyuka kwamaxabiso, ezifana ne-Treasury Inflation-Protected Securities (TIPS). Ukunciphisa amatyala kunokukunceda ugcine amandla akho okuthenga kunye nemozulu yeziphumo zokunyuka kwamaxabiso.
Indima yeeBhanki eziMbindi ekuLawulweni kwexabiso lentengo
Iibhanki ezingundoqo zidlala indima ebalulekileyo ekulawuleni ukunyuka kwamaxabiso ngokulungelelanisa amazinga enzala kunye ukulawula unikezelo lwemali. Ngokulawula unikezelo lwemali, iibhanki ezingoovimba zinganceda ukulawula imfuno yempahla neenkonzo kwaye zithintele ukunyuka kwamaxabiso ekunyukeni ngaphandle kolawulo.
Ukulungelelanisa inzala kwakhona kunokunceda ukulawula ukunyuka kwamaxabiso ngokwenza ukuba kubize kakhulu kubantu namashishini ukuboleka imali, ukunciphisa imfuno kunye nokunceda ukugcina amaxabiso ezinzile. Cinga ngeebhanki eziphambili njengabagwebi bomdlalo wezoqoqosho - bancedisa ukugcina yonke into ilungile kwaye ilinganise.
Iingcebiso ezisebenzayo zokujongana nokunyuka kwamaxabiso
- Dlulisa iMali ePhakamileyo yekhadi letyala le-APR: Ukunciphisa iindleko zakho, cinga ngokudlulisela iibhalansi zekhadi letyala le-APR eliphezulu kwikhadi eline-0% ye-APR kangangeenyanga ezi-6-18. Oku kunokukunceda ukuba wonge kwinzala kwaye kukunike ingeniso engaphezulu enokulahlwa ukuze uhlangabezane neziphumo zokunyuka kwamaxabiso.
- Tyala imali kwiZibambiso eziKhuselweyo kuXabiso lokunyuka kwamaxabiso: Cinga ngokutyala imali kwii-inflation-protected securities, ezifana ne-Treasury Inflation-Protected Securities (TIPS), ezinokukunceda ukukhusela utyalo-mali lwakho kwimiphumo yokunyuka kwamaxabiso.
- Yahlula-hlula uTyalo-mali lwakho: Ukwahlula utyalo-mali lwakho kuluhlu lwee-asethi, ezifana nezindlu, imveliso, kunye nezitokhwe, kunokukunceda ukukhusela imali yakho ekunyukeni kwamaxabiso.
- Kuphephe Ukugcina Imali Phantsi KweMattress: Musa ukugcina imali phantsi komatrasi ngemini enethayo – ukunyuka kwamaxabiso kuya kutshabalalisa ixabiso layo ngokukhawuleza kakhulu. Endaweni yoko, cinga ngokutyala imali kumngcipheko ophantsi, iimoto ezibuyiswa kancinci njengeeakhawunti zokonga, iiCD, okanye iimali zemarike.
- Ziphephe iMpahla kunye neeNkonzo ezona ziBethwe kukukhula kwamaxabiso: Ukunceda ukunciphisa impembelelo yokunyuka kwamaxabiso, ukuphepha iimpahla kunye neenkonzo ezona zichaphazeleka kakhulu kukunyuka kwamaxabiso, njenge ukuthenga izinto zodidi ukuba ngokwenene ungenza ngaphandle.
- Gcina Umsebenzi Wakho: Kuphephe ukwenza izinto ezinokubangela ukuba uphulukane nomsebenzi wakho kwindawo yokunyuka kwamaxabiso ngokuthe ngcembe. Gxininisa ekwakhiweni kwezakhono zakho, ukuphucula ukusebenza kwakho komsebenzi, kwaye uzenze ube yimfuneko kumqeshi wakho.
- Nciphisa iTyala: Ukunciphisa amatyala kunokukunceda ugcine amandla akho okuthenga kunye nemozulu yeziphumo zokunyuka kwamaxabiso. Gxininisa ekuhlawuleni amatyala anenzala ephezulu kuqala, kwaye ucinge ngokudibanisa amatyala akho ukuze unciphise iintlawulo zakho zenzala.
- Ivenkile efanelekileyo: Thatha ithuba lokuthengisa kunye nokwenyusa, kwaye ucinge ukuthenga ngobuninzi xa amaxabiso ephantsi ukugcina imali ekuhambeni kwexesha.
Ngokulandela ezi ngcebiso, unokunceda ukukhusela imali yakho kunye nemozulu yeziphumo zokunyuka kwamaxabiso. Khumbula, undoqo kukuba uthabathe inyathelo kwaye uthathe ulawulo lwemali yakho, kunokuba ube lixhoba lokunyuka kwamaxabiso.
