Nazi iindlela ezine onokuthatha isenzo sokulungiselela umhlala-phantsi wakho
1. Abasetyhini abaninzi banokuthi baxhamle kwiNkathalo yokuKhathalela
Abasetyhini banakho amathuba okuba bathathe inxaxheba ekwenzeni ukunakekelwa kunomdla kunamadoda. Ingaba ngaba ngumlingani wabo, umzali okanye umzali womlingane wakhe, umntakwabo, umntwana omdala, okanye ummelwane omdala okanye umhlobo, abafazi bahlala bekhathalele ukunika indima kwaye basebenzisa izibonelelo zabo zemali ukuze bancede.
Kwiimeko ezininzi iimfuno okanye umnqweno wokubonelela ngumbandela obalulekileyo obangela ukuba abafazi bangenele umhlalaphantsi kungekudala kunokuba bacebe.
Eyona nto: Basetyhini, qaphela ngokusebenzisa izixhobo zakho zemali ukubonelela ngoncedo kwabanye. Cinga ngempembelelo yokushiya umsebenzi kusasa, kwaye ukuba ucinga ukuba unomdla unomdla oza kuthatha kuwo, qiniseka ukuba wakhe isicwangciso sakho somhlala-phantsi malunga nokuphuma kwangaphambili kumsebenzi.
2. Abasetyhini abaninzi banokuthi babe ngabanye
Ngenxa yokuqhawula umtshato, ubufelokazi, kunye nokuhlala ixesha elide, abafazi banako ukuhlala bodwa xa bekhulile kunabo abesilisa.
Kuyathakazelisa ukuba, ama-60 ekhulwini abesilisa abaneminyaka engama-85 nangaphezulu abatshatileyo, ngoxa i-15% kuphela yabasetyhini abangaphezu kweminyaka engama-85 batshatile. Abasetyhini abanamathuba amaninzi okuphinda baphinde baphinde baqhawule umtshato okanye umhlolokazi. Ukwahlukana nohlolokazi kunempembelelo yemali kakhulu; Abasetyhini bavame ukufumana ukulahleka kwemali kunye nokulahleka kwempahla kunye nezinto eziphathekayo zezimali zihlala ziphelile.
Ngokubhekiselele ekuphileni ixesha elide, malunga nama-60 ekhulwini kwabasetyhini abaphila ngo-62 banokulindela ukuba baphile kwiminyaka engama-90 ubudala, kodwa abafazi bathambekele ekunciphiseni ixesha lokuphila kwabo ngaphezu kwamadoda. Ngenxa yokuba abafazi bathanda ukuphila ixesha elide banokufuna ixesha elide lokufuna uncedo ngempilo yansuku zonke kunye neemfuno zonyango.
Eyona nto: Abasetyhini, kufuneka ukuba niqhawule ngokuqhawula umtshato, kwaye kufuneka uhlolisise ngokukhawuleza ukhuseleko lwakho lwezenhlalakahle ekubhenkeleni izinto ezinxulumene nezibonelelo zomtshato kunye nabahlolokazi. Ukongezelela, ukuba umyeni wakho wayengumphathi ophezulu, kufuneka ube yingxenye yoKhuselo lwaKhuseleko loLuntu ukubiza isigqibo kwaye umkhuthaze ukuba angalibali ukuya kudala iminyaka engama-70, njengoko oko kuya kunceda umvuzo wakho ufumane imali. Uyakufuna kwakhona ukwenza iiprojekthi zakho zokufumana umhlala-phantsi emva kwexesha elide kunokuba usenokucinga; ngokukhethekileyo uneminyaka eyi-90 okanye ngaphaya. Ukongezelela, qwa lasela i-inshorensi yonyango elide ukugqithisa emva kweemfuno zonyango zempilo.
3. Owesifazana Unomsebenzi omfutshane wokuSebenzelana neengxelo
Amabhinqa, ngokomyinge, imbali yomsebenzi eneminyaka elishumi elinesibhozo emfutshane kunamadoda. Bahlala behlala ekhaya ukuze bakhulise abantwana, banakekele umlingane okanye umkhwenkwe, okanye umsebenzi oshiywe ngumvuzo ngenxa yeqabane lakhe elihlala phantsi.
Ngenxa yokuba abafazi bathambekele ekusebenzeni ixesha elifutshane kunye nexeshana emsebenzini, banomvuzo omncinci wokufumana umsebenzi, oku kuthetha ukukhuseleka kweNtlalo kunye neenzuzo zempesheni.
Eyona nto: Abasetyhini, qwalasela impembelelo yokushiya umsebenzi. Ukuba ungatshatanga uzama ukulibazisa ukuqala kweenzuzo zakho zoKhuselo loLuntu kuze kube seminyaka yobudala engama-70. Ukuba utshatile wenze izigqibo ezidibeneyo kunye neqabane lakho ukuze ukwandise iinzuzo zokusinda kwi-Social Security kunye neempesheni.
4. Abasetyhini abaninzi banokuthi bafune iingcebiso zobugcisa
Abafazi abaninzi babonisa inkxalabo eninzi kunamadoda malunga neemali ezikhoyo zangoku kunye nezayo, kwaye zabonakala zivulekile ngakumbi ekufuneni iingcebiso zobuchwepheshe ukusuka kumcwangcisi wezemali.
Nangona abafazi bevakalisa ukuzithemba ngakumbi ngemali yabo kunamadoda, abasetyhini banakho ukucwangcisa utshintsho kwizakhono ezingokwengqondo nangokwenyama, kwaye banokungena kwiindawo zokuhlala kunye nokuba basebenzise uncedo oluhlawulelwayo.
Eyona nto: Basetyhini, yenza okufuneka ukwenze ukuze uqiniseke ngezimali zakho . Oku kunokubandakanya ukufunda iincwadi, ukuya kwiiklasi, ukusebenzisa i- calculators yomhlalaphantsi okanye ukufuna iingcebiso zezezimali .