Indlela yokwenza utshintsho kwiNdlu yoNgeniso lweNye
Amakhaya ayingeniso emibili enza ukuguquka kokuhlala kwimali emibini ukuya kwelinye ngezizathu ezahlukeneyo. Umfazi ukhulelwa kwaye unquma ukuba ngumama wokuhlala ekhaya okanye umyeni uthatha isigqibo sokubuyela esikolweni kwaye uxakeke kakhulu ukuba angasebenzi. Kungakhathaliseki isizathu, ukuphuma kwingxowa-mali yomntu emzimbeni kwindlu engenayo yodwa yinto enokubangela.
Kulabo basebenziselwa ukuhlala kwimali emibini , kubalulekile ukwenza umsebenzi wokulungiselela kwangaphambili ngaphambi kokwenza lolu hlobo lweenguqu ezinkulu zemali.
Nazi izicwangciso ezine zokwenza uguquko lungapheli.
Zama Ukuphila Ngomvuzo Omnye Ngaphambi Kokuyeka Umsebenzi Wakho
Ukuba awuqinisekanga ukuba uya kukwazi ukuhlala ngokukhululekile kwimali engenayo emva kokuba umntwana azalwe, thabatha ubomi obunomvuzo omnye wokuqhuba i-drive drive. I-deposit-single eyodwa yengeniso kwiingxelo ezilondoloziweyo ze-akhawunti kwaye musa ukuyithatha loo mali nakwiimeko ezikhawulezayo. Kodwa musa ukugcina imali; kugcina iirekhodi (okanye iphephancwadi) ukulinganisa indlela elula okanye nzima ngayo. Ngaba kufuneka wenze izinto ezincinci kunokuba ulindelwe?
Lo msebenzi unenzuzo eyongezelelweyo yokukuvumela ukuba ungenise imali engenayo yomntu omnye kwiinyanga eziliqela, ukuvumela ukuba udibanise imali yokugcina imali . Kodwa ungavumeli imali ethe xaxa iya kwintloko yakho. Ukuba i-splurge emotweni entsha iya kutshabalalisa imali yakho kwaye inqobe injongo yomsebenzi.
Thetha kuMcebisi weRhafu
Iindaba ezilungileyo kukuba unokuhlawula iirhafu ezimbalwa ngoku uhlala kwikhaya elifumana inzuzo elilodwa kuba unokuba ngumgca werhafu omtsha (kunye nezantsi).
Ukunciphisa kwimali emibini ukuya komnye kuya kuba nemiphumo yerhafu kwaye, kwezinye iimeko, le miphumo ingaba yinto ebalulekileyo. Ukuba awunayo ingcali yerhafu, kufuneka ufumane enye ukufumana iindlela zokutshintsha isicwangciso sakho serhafu kwiimeko zakho ezintsha. Kukho kwakhona ukuncitshiswa okutsha okufanelekileyo.
Eli lixesha elifanelekileyo lokufunda indlela yokuhlawula irhafu yakho .
Phinda ucinge ngomhlalaphansi
Awunakuncinci ukuba uqale ukucwangcisa umhlalaphantsi kwaye ngoku ukuba unentsapho enomvuzo omnye, kuya kufuneka uphinde ucinge ngemigomo yakho yomhlalaphantsi. Emva koko, umvuzo womntu omnye ufuna ukuhlala umhlalaphantsi wabantu ababini .
Kwinqanaba elongezelelweyo, unokuba nolondolozo oluthe xaxa lokugcina umhlala-phantsi olukhoyo ngoku ukuba unentsapho enye engenayo. Ngokomzekelo, unakho ukufaneleka ukufaka isandla kwiRoth IRA ukuba awukho ngaphambili.
Fumana iRhafu yeNgeniso
Kakade ke, iqabane elishiya umsebenzi wakhe wesikhathi esigcwele akudingeki ukuba libe nenzuzo yengeniso. Umlingani wokuhlala ekhaya unokufumana ingeniso yecala nge-freelancing, ukubonisana okanye ukuthatha imisebenzi emincinci encinane.
Ukuza nje ukufumana i-$ 100 ngeveki (okanye i-$ 5,200 ngonyaka) kuya kwindlela ende ekubhekiselele kwisabelomali sekhaya, isikhwama somhlala-phantsi okanye ingxowa-mali engxamisekileyo. Ukuba ugxotha i-$ 100 ngeveki iminyaka emithathu, uya kuba ne-$ 15,600, okwaneleyo ukuthenga imoto ngenkokhelo .