Imindeni engenamvuzo omnye yineemfuno ezahlukileyo kuneentsapho ezimbini ezifumana umvuzo
Ngaba uye waphupha ukuhlala njengentsapho enomvuzo omnye ukuze umzali omnye ahlale ekhaya? Ngaba ube yintsapho enomvuzo omnye ngenxa yokuchithwa okanye ukugula?
Kungakhathaliseki ukuba yintoni imeko yakho, inyaniso elula yintsapho efumana ingeniso eyodwa ineemfuno zeemali ezahlukeneyo kuneentsapho ezimbini ezifumana imali.
Yintoni oyifunayo ukuba uyifumane njengentsapho engenamvuzo omnye? Nazi izinto ezine iintsapho ezingenakunyuka-ntanga akufanele zilibale.
Ukwandisa Iminikelo Yakho yomhlalaphantsi
Oku mhlawumbi kwakungesiyo isicatshulwa sokuqala okulindele ukuba ufunde, kodwa mhlawumbi kubaluleke kakhulu. Khumbula ukuba umnini wesondlo ngoku wenza igalelo lomhlala phantsi kubantu ababini. Oku kuthetha ukuba umntu onomdla kufuneka ahlawule ilahleko lomnye umlingane engasayi kuba negalelo.
Naluphi na umlinganiselo wesigxina sokuhlala kwikhaya elisetyenziselwa ukufaka isandla kwiakhawunti yabo yokuthatha umhlala-phantsi kufuneka ngoku idibaniswe, ubuncinci, ngumgcini wesondlo. Ngokomzekelo, ukuba iqabane elihlala kwikhaya lisetyenziselwa ukunikela i-$ 5,000 ngonyaka ngonyaka wama- 401 (k) , kwaye iqabane elisebenzayo lifuna ukwandisa umrhumo wabo ngama-5,000 e-$ ngonyaka. Oku kulula ukutsho kunokuba kwenziwe, kodwa ikusasa lakho liya kukubulela.
Thatha Intshuwalense Yobomi kunye neNtsholongwane yoKhubazeka kwexesha elide kwiNgqabane engasebenzi
Iintsapho ezininzi zenza iphutha lokucinga ukuba umlingani ongeyena osebenzayo akancedisi kwimali kuba bengenayo imali.
Akukho nto ivela kwi nyaniso.
Ukuba umntu ongeyena osebenza naye uyadlula okanye ahlupheke ngenxa yokugula okanye ukulimala okwenza ukuba bangakwazi ukunyamekela abantwana, ngoko umlingane osebenzayo uya kufuneka aphumelele loo mi sebenzi. Iindleko zokugqithisa okuninzi zikhulu. Kubalulekile ukukhupha i-inshorensi kunye nobomi bomshuwalense kubini bobabini, kubandakanywa nomntu ongekho umvuzo.
Yenza utshintsho ngokukhawuleza
Ukuba awukatshintshelwanga kwindlela yokuphila engenayo enye, qalisa ukwenza oku kumanyathelo . Okokuqala, hlengisa indlela yokuphila ngendlela enokuthi uhlale kuphela kwiholo lomntu omnye ugcine i-100 ekhulwini lomvuzo womnye umntu. Oku kunokuvakala kunzima, kodwa oko yintoni oya kuyenza xa utshintshela kwikhaya elifumana umvuzo omnye. Uya kuphila kwinzuzo enye ngelixa ungangenisi enye.
Ngokuzenza ngathi ungobini esinezindlu esisodwa kwiinyanga ezimbalwa (mhlawumbi, iminyaka emininzi) ngaphambi kokuba wenze utshintsho, uya kuvuya kwiintlawulo ezivela ekulondolozeni yonke ingeniso yomntu oyedwa . Ezi zongeniso zingasetyenziselwa ukutshabalalisa amatyala akho, ukwakha umkhombiso omkhulu wemali, wenze umnikelo omkhulu wokuthatha umhlalaphantsi kunye nokukhupha ama-akhawunti akho okugcina imali kubantwana bakho.
Iinjongo zakho ezinkulu
Kwiintsapho ezininzi, iindleko ezinkulu ziquka ukuthenga imali ebiza kakhulu , iintlawulo zeemoto, ukutya, iimpahla kunye netyala lekhadi lesikweletu. Ukuba unako ukujongana nale ndleko, unokusombulula iingxaki zakho zemali.
Memezela ukuvalwa kweenyanga enye ekudleni. Zibophelele ekudleni yonke isidlo ekhaya ngeentsuku ezingama-30 kwaye ubone ukuba umehluko owenzela kubini uhlahlo lwabiwo-mali kunye nesinqe sakho.
Ukuba ufanele udle isidlo ngaphandle kwekhaya, ibhokhwe ebomvu yakho isidlo sasemini.
Ukuba unemali ebiza imali, qwa lasela indawo yokuhlala kwikhaya. Ukuba loo nto ayikho into ebhenkisayo kuwe, wehlisa kwikhaya elincinci.
Ngaba uphatha imirhumo ephezulu yemoto? Zama ukuthengisa imoto yakho nokuthenga isithuthi esincinci, esetyenziswayo ngemali. Shayela uhlobo olufanayo lwezithuthi apho umfundi wekholeji uza kuqhuba. Musa ukuziva ngathi le nto ingaphantsi kwakho. Kuhamba kakuhle kwezemali.
Ekupheleni kosuku, yintoni ebaluleke ngakumbi: ukukwazi kwakho ukuhlala ekhaya nosapho lwakho, okanye ukuqhuba isithuthi esitsha?
Khangela umsebenzi wexeshana okanye umsebenzi wexeshana. Kukho imisebenzi emininzi ongayenza ekuthuthukisweni kwekhaya lakho ngeeyure zakho. Khangela imisebenzi e-intanethi eguquguqukayo evumela ukuba wenze ubomi obuhle xa abantwana bakho belele, belele okanye bafunda esikolweni.