Njengokuba kukho konke into ebomini, kukho ukuphazamiseka kwimingeni yomhlala-phantsi kunye neengcikivo ezinokwenene ukukhanyisa kule nqanaba yobomi. Iindaba ezilungileyo: Unokunciphisa okanye ukuphelisa ubuninzi bezinto ezinokubakho ngeengxaki zokuqaphela kwangaphambili kunye nokucwangcisa okufanelekileyo.
Nazi izinto ezi-8 omele uqale ukuzicinga ngazo.
Kuthiwani Ukuba Kuqala Ngaphambili?
Unokuba uceba ukusebenza kuze kube ngu-65 okanye 70.
Kodwa kuthekani ukuba into ephazamisa eso sicwangciso? Ukutshatyalaliswa kwiminyaka eyi-59? Isifo esicuthayo esincinane kwi-61? Ngaba ulungele umhlala-phantsi kwangaphambili ngokuzixhasa ngokwezemali nangokwengqondo? Ukuba akunjalo, hlengisa isicwangciso sakho sokugcina umhlalaphantsi kunye nengqondo ngokufanelekileyo. Nangona unethemba lokusebenza kude kube ngu-70, zibeka izinto zakho kwixesha elidlulileyo lomhlalaphantsi . Ityala elibi kakhulu: Unayo iqanda elikhulu xa ushiya umsebenzi ngo-70.
Iyakwazi Ukutshatyalaliswa
Cinga ukuba uchitha ixesha elingakanani emsebenzini kunye nokukhulisa abantwana. Yintoni ongayenza ngayo yonke loo nto ukuba ngaba ngokuzenzekelayo bonke bakho? Lo ngumngeni wokuthatha umhlalaphantsi. Cinga ngezinto oza kuyenza ngexesha lakho . Qhubekani niqhubeka nokuphila. Thatha izinto ezithandwayo. Kananjalo ungacinga ukuba uthathe umsebenzi wexeshana ngomhlalaphantsi. Ukusebenza iiyure ezimbalwa ngeveki kwintsimi oyithandayo uyazigcina uzibandakanye kwaye uncedisa ulula iqanda lakho leenyama, naye.
Abazali Bakho Bangakufuna
Sonke siphila ixesha elide, okwandisa ithuba lokuba uneminyaka engama-65 ubudala unokufumana ukuba usebenzisa ixesha elide kunye / okanye imali enakekela umzali ekupheleni kweminyaka eyi-80.
Enyanisweni, unokwenza ukuba uthathe umhlalaphantsi kusasa ukujongana noxanduva olunjalo. Ingaba unayo le ngxoxo nabazali bakho? Ukuba akunjalo, yondla, uxoxe nabo. Fumana ukuba yiyiphi na amalungiselelo abayenzele ukuzinyamekela kwabo, noko bakulindele kuwe. Kuyi-toughie, ngokuqinisekileyo, kodwa iya kukunceda sonke sicwangcise kuzo zonke iziganeko.
Imali ingaba yiScarce
Abaninzi baseMelika abazange basindise ngokukhawuleza ngokwaneleyo ukuze bathathe umhlalaphantsi. Enyanisweni, kuphela i-26% yethu ibeke eceleni i $ 100,000 okanye ngaphezulu kule njongo. Izimpesheni kunye nokuhlaliswa kwempilo emhlalaphantsi zizinto ezintle zexesha elidlulileyo, ukwenza izinto zibe nzima. Kukho indlela elula yokuphepha le ngcambu. Qalisa ngokwenene ukubeka imali yakho yomhlala-phantsi namhlanje.
Ukuguga Kuyakunyoka Kuwe
Utshintsho esinalo xa uguga lunokwenzeka ngokukhawuleza njengoko kwenzekayo ekufikeni. Kule nkcubeko yenkwenkwezi, ininzi lethu asilungelele imingeni yomzimba nengqondo yokuguga. Ihlawulela ukwenza uphando kunye nokucinga ukuqonda kakuhle indlela yokwenza amaninzi amathuba kunye nemida yesi sigaba sobomi.
Umlingani wakho unokuba yiDonsa
Izibini ezininzi ezishiye umhlalaphantsi zifumanisa ukuba ziye zahlukana phakathi kwamashumi eminyaka kwaye, ngokunyanisekileyo, musa ukuhlala kunye kunye 24/7. Le ngxaki eqhelekileyo xa elinye iqabane liphezulu kakhulu libhekiselele ekusebenzeni kwayo. Eyona ndlela, wena kunye nomnye wakho obalulekileyo uza kwenza umsebenzi ofunekayo ukuba uhlale unamathele ngaphezu kweminyaka. Kodwa ukuba unenkathazo yokuhlala kunye nomhlalaphantsi, akukho nto iphosakeleyo ngamnye kuchitha ixesha elilandelayo emva kwezinto ozifunayo kunye nokuthanda kwakhe.
Unokufumanisa ukuba ukuzithandela okanye ukwenza olunye uhlobo olunentsingiselo yomsebenzi njengesiqabane unokuvuselela ubuhlobo bakho.
Imali Yakho Inokuphelelwa Ngaphambi Kwakho
Musa ukuqikelela ukuhlala kwakho ixesha elide. Sonke siphika kulo. I-25% kuphela yabathathe umhlalaphantsi bacinga ukuba baya kuphelisa imali yabo, ngokutsho kwesinye isifundo. Ingxenye yesithathu kuphela ibenzima ukubala ixesha elide leqanda labo liza kuhlala ngayo .
Unokuba novalo oluvuthayo
Siyabulela kwimpilo engcono, izimo zengqondo ezintsha, kunye neViagra, sihlala sisinike ngesondo ukuya kuma-70s kunye nama-80. Oko kuyamangalisa-ngaphandle kweerhafu zokunyuka kwezifo zesondo phakathi kwabadala. Qinisekisa ukuba uqhubeka usebenzisa iindlela ezikhuselekileyo zesondo.
Ezi zizo zonke iingxaki ezinzulu kodwa eziphathekayo malunga nomhlalaphantsi. Ubungqina obuninzi bokulungiselela umhlalaphantsi omkhulu kuthatha ngaphezu kokugcina imali.
Kudinga uphando oluninzi, ucinga, nokucwangcisa malunga nezinto ezingenayo idenari yedola.