Iingcamango ezingakuhlawulela ikhaya lakho elitsha

by Elizabeth Weintraub

I-Akhaya Ukuthenga Iimpazamo

Abambalwa abathengi basekhaya bayeke ukucinga ukuba banokulahlekelwa ngumzi wabo. Kodwa iimpazamo zenzeke. Abanye bakunzima ukuphepha, ngenxa yeengcebiso ezimbi, inhlanhla, okanye i-market market. Uninzi, nangona kunjalo, lunokuphetshwa nje ngengqiqo encinane.

Nazi ezisibhozo ezilula ukuphepha iimpazamo ezinokukulahlekelwa yikhaya lakho ngaphambi kokuba ube nethuba lokulifumana!

01 Ukuya kwiMali engekho kwiMinina

Iimina-semina zamahhala zinokuvakala njengendlela enhle yokufunda ngayo-kwaye uqale utyalo-mali. Emva kwakho konke, awunanto yokulahleka kodwa ixesha ... kunene?

Ngalunganga. Enyanisweni, loo mihlangano ikhangeleka kangangoko:

Uqala ngokubiza loo nombolo yefowuni engenakho inkokhelo ukuze wenze ukubhuka. Emva koko uhlala kwiiyure ezintathu zokuthengisa iincwadi, amateyipu, iiCD kunye neenkonzo ezincitshiswe ngokuthe ngqo kwi- seminar gurus ezingenakuzithengisa okanye zithengise isiqwenga sezinto eziphathekayo ebomini babo kodwa zithemba ukubeka ingqalelo kwiimeko zakho ezikhuselekileyo.

Ukuba ulandela isiluleko sakho esibizwa ngokuba yi-guru, unokufumana ufumana amaninzi enkonzo ye- lowball eyanqatshwayo uze ufumane umthengisi oza kuthwala yonke inxaxheba kwimali engama-18% ngenkokhelo yokubhalwa ibhaluni . Kuyacaca ukuba uya kulahleka ngaphezu kwexesha; Okwangoku, bonke abantu, kuquka "omkhulu" kunye nebhanki-baya kwenza i-fortune kwiimpazamo zakho.

02 Ukukhetha amaGosa amabi

Akunabo bonke abameli be-estate abafanelekayo ngokulinganayo ngenxa yokuba banayo ilayisenisi yendawo yokuhlala . Nangona abanye bengayazi intsimi kwaye banomdla kakhulu engqondweni, baninzi abanolwazi okanye basebenzela nzima ukuqinisekisa ukuba umthengisi ufumana unako konke okusemandleni okuthengisa.

Ngaloo nto ebonakalayo engqondweni, nantsi amanye amanyathelo amundoqo okumele ulandele xa ukhetha i-arhente:

Udliwano-ndlebe ne-arhente yakho- kwaye ungakhathazeki malunga nokuba unokukhubekisa ngokubuza imibuzo enzima okanye ukucacisa iimpendulo ze-ejenti.
Gwema ukuqesha ummeli onqabileyo kwaye onqwenelayo onokuwufumana, kungakhathaliseki amava , ngenxa yokuba ukholwa ukuba igosa liya kusebenza nzima.
Qiniseka ukuba usayine isivumelwano somthengisi somthengi .
Emva kokuba usayine kunye ne-arhente, bamba naye. Gwema impazamo eya ngqo kwi- arhente yohlulo kwikhaya uzimisele ukuthenga nokucela ukuba i-agent ukuba ibhale isipho sokuthenga .

03 Ukucima i-Savings

Ungakanani uchithe kwikhaya lakho elitsha? Impendulo elula: kufuneka uchithe oko unokukwazi ukukwenza.

Ukuba ubeka yonke ipesenti unokuqhawula kunye kunye nentlawulo ephantsi kwendlu yakho entsha, uboleke imali kwiintsapho ukuhlawula iindleko zakho zokuvala , kwaye uceba ukuhlawula konke ukulungiswa kunye nokugcinwa kwexesha elizayo kwikhadi lekhredithi - uchitha imali kakhulu.

Ngaba ufuna ukukhupha iiferensi zakho zokuthatha umhlala-phantsi ukuze uphumelele? Musa.

04 Ukulahla Iingcebiso Zengcali

Ukuba ungobuchwepheshe bendalo, awuyi kufunda eli nqaku. Ngoko ... udinga iingcebiso zobungcali njengoko ubeka ndawonye isivumelwano sakho semboleko kunye nesivumelwano sokuboleka imali. Ezinye iindlela zokuqala:

Khangela ulwazi malunga ne-Intanethi (qi niseka ukuba, ukuba u tyelela iiwebhusayithi ezihloniphekileyo)
Funda iincwadi zendawo yokuhlala
Hamba igqwetha kunye ne-akhawunti yomcebisi ngeengcebiso-kwaye ziphulaphule.

05 Ukukhetha iNgxowa-mali yangaphandle

Ingaphantsi yakho yentlawulo yenyanga, imali eninzi uza kuba nayo yonke inyanga ukuyichitha kwezinye izinto. Oku kuthetha, kubalulekile ukuba uhlolisise ngokucophelela ukushicilelwa okucacileyo okuchaza iimali-mboleko eziphantsi kakhulu, ezinokubonakala zikhulu namhlanje kodwa ziba yingxaki yangempela kunyaka okanye ezimbini.

Yintoni engalunganga ngemali-mboleko ephantsi? Abaninzi ababizwa ngokuba yi-"exotic" mboleko banamaxabiso aqala phantsi kwaye ibhaluni ... abanye "bahlengahlengiswa," oku kuthetha ukuba izinga eliphantsi lo nyaka lingaba ngumlinganiselo ophezulu wonyaka ozayo.

06 Ukuthabatha abemi ababi

Amagama amathathu abaluleke kakhulu kwi-real estate indawo, indawo, indawo. Oko kuthetha ukuba kwindlu enobungozi kwindawo embi ingaba utyalo-mali olutyala.

Unokuxelela njani ukuba ummelwane ungendawo? Maxa wambi kuyacaca - kodwa uphando oluncinane lunokukunceda kakhulu.

Ukucela isebe lamapolisa malunga nenani lolwaphulo-mthetho.
Thetha kubamelwane ngaphambi kokuba uthenge.
Hamba ummelwane ngamaxesha ahlukeneyo emini, ukhangele imiba efana ne-junk kwiididi, ugibele iifestile, okanye abantu abangenakuqeshisa okanye abangenamakhaya abaxhomekeke kwivenkile elula.
Thelekisa intengo yendlu ocinga ngayo intengo yezinye izindlu kwindawo. Ukuba kuthengwa ngamawaka angaphantsi kwamakhaya asekuhlaleni oye wawacingisisa kodwa akakwazi ukuthenga, amathuba kukuba indawo yinkinga.

07 Ukunyuka Ukuhlolwa Kwekhaya

Kungakhathaliseki ukuba kukuhle kangakanani, yonke indlu ineengxaki. Nangona ukupenda ipeyinti kunye neendlela zokugqithisa zibonakalisiwe, uphahla olungaphumeleliyo, iipayipi ezidibeneyo, i-wiring ingxaki okanye inkqubo yokufudumala ekhulile ingaphuma isaziso sakho. Zonke ezi zinto zibiza imali ukuze zilungiswe.

Ubona njani iingxaki - ngakumbi xa zifihliwe, zifihlekile, okanye zingaphakathi kweendonga?

Ukuhlolwa kwasekhaya kuyisisombululo sakho sokufumana into engafanelekanga, kwaye abahloli bekhaya abaqeqeshiweyo baqeqeshelwa ukuba bahlole yonke inkqubo, umbane kunye nombhobho. Ngokuqinisekileyo, awuyi kuguqula indlu yakho yephupha kuba idinga ingubo entsha yepeyinti - kodwa unokukwazi ukuxoxisana nexabiso, okanye ucele umnini ukuba abe nepeyinti yendlu ngaphambi kokuthenga.

Yintoni eyenzekayo xa unqwenela ukugcina imali oyisebenzisayo ekuhloleni kwekhaya kwaye uthenge indawo yokutya ye-barbecue entsha? Kukhona ithuba elihle awuyi kubona ukuba iindonga zangaphakathi ziyaqhaqhazela ngenxa yokuba ... iingubo ezintsha zepende zenza izinto ezimangalisayo.

08 Ukugxilwa Kwamatyala Emva kokuvala

Ngoku ukuba ungumnini wezindlu, uphuzulwa yizo zonke izikhuthazo ezifikile kwi-imeyile enikezela amaxabiso amnandi kwi- loan equity loan . Kutheni unako ukukrazula konke ukulingana kwakho kwaye usebenzise le mali-esele ifunyenwe ukuthenga zonke izinto ezifunekayo ozikhanyelayo kunye nosapho lwakho. Iholide eHawaii ezayo ngoDisemba iyavakala ngokumangalisayo kuwe. Ngaloo nto uthengisa ifenitshala yepatiyo, kwaye mhlawumbi ukutshintshwa kwintsha okanye i-spa kwididi yangasemva.

Ukuba oku kufana nesicwangciso esikhulu, cinga kwakhona! Xa uthenge ikhaya elitsha, unembopheleleko yokunyamekela nokuhlawula imali yakho. Zichithele kumatyala amaninzi, kunye ne-backback encane (umsebenzi olahlekileyo, ukongxamiseko lwezempilo, njl.) Unokuthumela ekungcatshweni!