Ubomi bomama ohlala-ekhaya (SAHM) lujikelezwe ngeengcinga ezininzi. Ukususela kwingcamango yokuba uhleli embhedeni usuku lonke ebukela iTV kwiingcamango zobuxoki ukuba umyeni wakhe ugijima umbukiso, ukuhleka kubonakala kungenamkhawulo. Enye yeengcamango ezingalunganga malunga nokuhlala ekhaya, umama uhambelana nemali, kwaye kuyisihloko esibamba umama ngokumelene nomama kunye neSAHM kunye noluntu. Yilungele ukukrazula loo mali ingqiqo malunga nala mabhinqa.
01 Hlala-ekhaya-Amama aTyebileyo
Abanye abantu bacinga ukuba ii-SAHM ziphila ngendlela enomdla kwaye abazali basekhaya akudingeki bakhathazeke ngemali kuba umntu oyedwa ofumana imali engenayo endlwini kufuneka abuyise ekhaya i-paycheck. I-Pew uPhando sele ifumene ukuba ama-34 ekhulwini abahlala ekhaya ngamamahlwempu kunye neepesenti ezili-10 kuphela zokuhlala kumakhaya omama abambe isitifiketi esiphumelele ekuhlala kwindlu engenayo okungenani i-$ 75,000. Eli phesenti elingu-10 liguqulela malunga neepesenti enye yezigidi ezingama-35 zase-US, omama ababini kunye nabakwa-SAHM, abaneminyaka eli-18 ukuya kwe-69. Isityebi sihlala ekhaya kodwa amanani abonisa ukuba akaqhelekanga njengoko abantu bacinga.
02 Ukuhlala-ekhaya-Moms Awuyi Kugcina Imali
Enyanisweni, amaninzi amaninzi ahlala ekhaya ayingcali. Kufuneka ukuba. Ukukhulisa abantwana kuyabiza kwaye ukukhulisa abantwana kwingeniso enye akulula. Kodwa ngokufumana uhlahlo lwabiwo-mali olusisiseko kunye nokwenza utshintsho apho kuyimfuneko, i-SAHMs ayikwazi ukulandelela zonke iindleko kodwa kunye nemali yebhanki kwimvula yokunyuka, iintsuku zokuhlala kwintsapho kunye neefowuni zeekholeji.
03 Hlala kwi-home Moms Pinch Pennies ukuya kwiNgxaki yabo Yentsapho
Ewe, iintsapho ezinomzali omnye ekhaya zigawula iinqununu kodwa zonke iintsapho, kuquka nabo banezimbini zabazali abasebenzayo, kufuneka bafune iindlela zokwenza ipenki. Imindeni nomzali omnye ehlala ekhaya kufuneka ilumke ngakumbi ngemali yentsapho yabo. Oko akuthethi ukuba ufanele uhlasele i-pack fast kettle ye-ketchup i-100 ye-ketchup iipakethi onokuyifakela kwibhotile ekhaya okanye uhlule iphepha elilodwa le-toilet kwi-TP eyodwa. Nangona ii-SAHM zihlala zijongene neengxowa-mali zeentsapho, zifumana iindlela ezitsha zokwandisa umvuzo omnye wosapho ngaphandle kokuba wonke umntu uzive engenanto.
I-04 Hlala-ekhaya-AmaMama Musa ukuxhasana ngezezimali
Nangona kunjalo, ama-mama ahlala kwikhaya abamba iqela kumgangatho weentsapho zawo ngezindlela ezininzi. Xa kuziwa kwiindlela zokudala zokwenza imali, ukuhlala ekhaya kumama abakwazi ukubetha. Bathengisa indalo yabo, njengezinto zokugqoka okanye izipho eziboshwe. Babamba amaqela asekhaya njengomthengisi ukuthengisa iimveliso, iincwadi, iimpahla kunye nokunye. Bafuna amathuba oku-intanethi ukusebenza njengomnini wevenkile, umbhali okanye umfoto.
Kwabo bangaboni amathuba okwenza imali, basenokuba negalelo kwimali yabo yentsapho ngendlela ekhethekileyo. Uphononongo olutshanje lufumene isabelo esandayo sokuhlala kumama kamama akakwazi ukufumana umsebenzi. Kwaye uphando lubonisa ukuba inani labesetyhini abahlala kumama omama likhuphuka ngokwengxenye ngenxa yokunyuka kweendleko zokunakekelwa kwabantwana. Kwabanye, iindleko zokunakekelwa kwabantwana kunye neendleko zemoto, igesi, ukugcinwa kwezimoto, izambatho kunye neentsuku zenzeni zenza umsebenzi ngaphandle kweendleko zekhaya ngaphezu kokuhlala ekhaya.
05 Hlala-ekhaya-AmaMama Musa ukwenza izigqibo zezeMali
Ii-SAHM zanamhlanje zilawula uhlahlo lwabiwo-mali, ukuhlawula iindleko kunye nokugcina imali. Basenokungabi yinto ebizwa ngokuba yizonka kodwa kwimimandla emininzi bayabakhokhelwa ngemali eqinisekisa ukuba imali leyo ihlawulwe, enye imali ikhutshwe kwaye ibhajethi isele isele ihlawule ukuba ihlawulele imisebenzi yeeyantraki .