Ngokunyuka, umuntu kufanele azwe imibuzo mayelana nezinga lokushintshaniswa kwe-ruble. Eyesabisa ngokushintshashintsha okubukhali kwemali, abaseRussia besaba ukungahambi kahle futhi basheshe bavele besaba, bengakwazi ukuthi benzeni ngemali esikhathini esinzima kangaka. Ake sizame ukuqonda isimo emnothweni kanye nochwepheshe.
Ingabe kuzobe khona okuzenzakalelayo eRussia ngo-2015?
Ukwesaba okuzenzakalelayo kuhlangene nesipiliyoni samaRussia. Ukuhlaziywa kwe-ruble kuhlotshaniswa kakhulu nokuqedwa kombuso, okungukuthi, okungukuthi, ukuchithwa, kusho okuzenzakalelayo. Kungenzeka esikhathini esizayo esiseduze. Ngokusobala akunjalo. Yiqiniso, amandla okuthenga wezimali kazwelonke azokwehla, kodwa kulindeleke ukuthi isabelomali siwele ngo-2015 akufanele. Ikhono lomnotho waseRussia kanye nesikhwama semali yokugcinwa kwemali kukhona ukuvikeleka okungekho emthethweni ngezimo ezingavumelani kakhulu ezingenzeka kuphela kulo nyaka.
Yini okufanele ngiyenze uma kukhona okuzenzakalelayo?
Ngokwayo, okuzenzakalelayo akuyona into embi izakhamizi zezwe. Isaphulelo sesabelomali esandulele kuso siyabuhlungu, kanye nezinyathelo zikahulumeni ezihloswe ukugcwalisa - ukwehla kwemali. Ngokuvamile ukuchithwa kombuso kuhambisana nokuwa kwemali kazwelonke, okuholela ekukhuphukeni okuthe xaxa kwezimpahla zezimpahla ezingenisiwe, futhi ngokuvamile kuya ezifuywayo. Yilokho okwenza kube ngephutha ukufuna izindlela zokulondoloza imali ngokuzenzakalelayo. Kuyaqondakala ukuthi, uma unesipiliyoni esinjalo, amaRussia aqala ukukhathazeka, ebona ukushintshashintsha okubukhali kwe-ruble, ngenxa yokuncishiswa kwamafutha ezinyangeni zamuva. Noma kunjalo, akukho okuzenzakalelayo! Kodwa-ke, ukuhlaziya, yiqiniso, kuyisizathu sokukhathazeka ngokuphepha kwemali. Noma kunjalo, imali idinga ukunakwa njalo.
Yini okufanele uyenze ngemali manje?
Ngemva kokufunda ngokuqhathaniswa, amaRussia amaningi aphuthuma ukuthenga noma yiziphi izimpahla. Uma kungekho okuhlangenwe nakho kokutshala izimali, isinqumo sokusebenzisa imali ehlaziyileyo sinengqondo, Yebo, uma kwenzeka izinto ezidingekayo zithengwa. Kodwa abantu abaningi bafuna ukubuyisela imali, okumele igcinwe kusuka ekungahleliwe, ukuhlaziywa nezinye izinselele. Uma kukhona imali eningi yokuthengiselana kwezindlu, futhi zise-ruble, ngakho-ke kunengqondo ukuthenga izakhiwo zangasese. Noma kunjalo, i-ruble yaseRussia, eyimali yomnotho osathuthuka, ayiqine ngokwanele ukuthi ingalahlekelwa inani layo ngokuhamba kwesikhathi, ngisho noma inkinga yesabelomali ingalindelekile ngaphambili. Ungathengi izindawo zokuhlala kuphela, kodwa futhi namagareji nezindwendwe, uma nje emakethe ethile kunesidingo sokuqashwa kwalezi zakhiwo.
Uma lokhu kungenakwenzeka, khona-ke kuvunyelwe ukutshala imali ngezimali, kodwa lokhu kunzima kakhulu, futhi iningi labantu baseRussia, ngaphandle kokuhlangenwe nakho nolwazi olufanele, benza amaphutha amakhulu okuholela ekulahlekelweni, hhayi inzuzo. Abacacisi bazuza, ngenxa yekhono lokubona ngaphambili. Uma uthenga imali ngenkathi ukukhula kwayo kusobala, amathuba okulahleka aphezulu kakhulu, ngoba ngaleso sikhathi bonke abahlanganyeli bezimakethe abaqeqeshiwe sebevele bathenga imali futhi baqala ukuthengisa. Abaningi abangenzi lutho, abangazi ukuthi benzeni ngemali, uma behlambalaza, bathenga ama dollar ngesikhathi esingeke senzeke.
Uma isinqumo sokuthenga ama-dollar sisenziwa, kufanele ulungele ukutadisha imibono yabahlaziyi ngaphambi kokuba wenze isivumelwano, futhi ulandele izibikezelo esikhathini esizayo. Uma kungekho isifiso esinjalo, kungcono ukutshala kwenye into. Ngaphezu kwalokho, akufanele utshale imali eyodwa. Izingozi zidinga ukwehlukanisa, ngamanye amazwi, awukwazi ukubeka amaqanda kwelinye ibhasikidi.
Futhi uzoba nesithakazelo kuzihloko: