Zonke iiMali kunye neNdleko ozifunayo ukuba zibandakanye kwiBhajethi yakho
Mhlawumbi uphumelele kwiikholejini , mhlawumbi ufumana umsebenzi wakho wokugqibela , okanye mhlawumbi unabanye abahlobo okanye abanye abafuna ukuhlula irente.
Kungakhathaliseki ukuba yintoni imeko, unokuziva ulungele ukufuduka wedwa. Kuze ukhangele uhlahlo lwabiwo-mali kwaye uqaphele ukuba akunakulula njengoko ucinga.
Isizathu sokuba Ufanele uhlahlo lwabiwo lweKhaya lakho lokuqala
Ngokuxhomekeke kwimihlaba yelizwe ohlala kuyo, unokufumana ukuba ukuqesha kubhetele kakhulu kunokuba wawukulindeleke ekuqaleni.
Okanye mhlawumbi ufumanisa ukuba umvuzo wakho awufumani ngokude ubenethemba.
Ngayiphi na indlela, kubaluleke kakhulu ukuba wazi indlela yokuhlalutya indlu yakho yokuqala (okanye imeko yokuhlala). Awufanele "u-wing" kuba ukukhathazeka ngokukrazula akuyona into ofuna ukujongana nayo. Ukuba usuqhekeza uqeshiso ngenxa yokuba awukwazi ukuhlawula irenti inokuba yindleko kakhulu kwaye inobungozi.
Ngoko, unokwenza ntoni ukwenza inkqubo ibe lula? Nakhu okumele ulindele.
Indlela yohlahlo lwabiwo-mali kwiGumbi
Okokuqala, kufuneka ube nesabelomali esisisiseko , njengoko oku kuya kwenza kube lula ukulungelelanisa kwiindleko zakho zezindlu zakamva.
Ukuba awunayo uhlahlo lwabiwo-mali, ngoku ixesha elifanelekileyo lokudala enye. Uyakwazi ukufumana imiyalelo yesinyathelo-nge-nyathelo apha , kodwa shwa nkathela:
- Jonga zonke iindleko zakho zenyanga
- Bonisa umvuzo wakho wenyanga
- Susa iindleko zakho kwiholo lakho ukuze ubone oko kushiywe
- Zinike isilwanyana esincinci, kwaye yimalini ekufuneka uchithe kwiindleko zakho zokuphila
Ukuba le nto yokuqala uhlala kuyo yonke indawo, ngaphandle kokuncedisa ngemali, ngoko kufuneka ulungelelanise izilindelo kunye namanani amaxesha ambalwa.
Kusenokwenzeka ukuba akufuneki ukujongana nazo zonke iindleko kwiikholeji okanye xa uhlala nabazali bakho, ngoko ke unikele ngokulinganisela kwakho oko uza kuchitha nganye.
Umzekelo, kuya kufuneka uqikelele ukuba uza kuchitha imali engakanani kwizinto zokutya , igesi, ukuzizonwabisa, i-inshurensi, njl. Nyakwamkelwa kwihlabathi "elidala" izinto zibiza kakhulu!
Khumbula - uhlahlo lwabiwo-mali aluhloswanga ukuba lubekwe kwilitye. Zenzelwe ukuba ziphendulele. Unokutshintsha uhlahlo lwabiwo-mali ukubonakalisa ukunyaniseka kangcono kamva, emva kweenyanga ezimbalwa zeendleko ezidlule. Okwangoku, ufuna isicatshulwa esinzima sento onokuyilindela ukuyichitha ukuze wazi ukuba unako ukuhlawula imali kwirenti.
Andiqinisekanga ukuba ungaqala kuphi? Nazi iindleko ezimbalwa zokuphila oya kuzomele zibandakanye kubhajethi yakho.
Iindleko eziphilayo ozifunayo kwi-Akhawunti
Ukufumana indlu esebenzayo yonke into ebandakanyiweyo yenza ukuba le nxalenye ilula, kodwa le ndlela ayikho ngaso sonke isikhathi.
Ukuba kunjalo, uya kufuna ukufaka iindleko zokuhlala eziqhelekileyo kubhajethi yakho:
- Inkcitho (yeko)
- Umbane
- Gesi
- Amanzi
- Internet
- Ikhefu
- Inshurensi yeRharener
Kwakhona, uya kufuneka uqikelele zonke ezi zinto, kodwa akufanele kube nzima ukwenza. Zive ukhululekile ukubuza nabani na oninika ityelelo kwindlu apho abaqeshi bahlawula khona kwizibonelelo (ukuba abafakiwe).
Bamele bakwazi ukukunika uluhlu ongayisebenzisa ukuthelekisa kwiinqununu ezininzi.
Ezinye iindawo zinganinika "amaphakheji" apho ukhokhela isamba esicatshulwa kwi-intanethi kunye ne-intanethi, ngoko ke akudingeki ukuba ubhekane neenkampani ezisetyenziswayo.
Ukongeza, kufuneka ufumane amanqaku amaninzi e-inshurensi yeenrenti ukuze uthelekise iindleko kwiindawo zokuhlala.
Ukongezelela, uya kufuna ukuqwalasela ezi ntlawulo eziqhelekileyo ezininzi zendawo yokuhlala kunye nabanini bezindlu.
- Imirhumo yefestile (ukuba unayo ikati okanye inja)
- Iphepha lokurhweba
- Abalawuli berhorho
- Ukupaka
- Ukugcinwa / igaraji
- Imirhumo yolawulo
Azikho zonke iinguqu eziza kubakho kunye nale mirhumo, kodwa ekubeni zivame ukushicilelwa kakuhle, kukunceda ukwazi ukuba uyayilindela ukwenzela ukuba unokubuza ukuba ngaba le ntlawulo ihlawuliswa (ngaphambi kokuza kumangaliswa). Ezinye zee ntlawulo zingenzeka rhoqo ngenyanga, ngelixa ezinye zihlawulwa nje kuphela.
Masiqhekeze iirhafu zinye ixesha ukwenzela ukuba uyazi into onokuyilindela kwiimeko eziqhelekileyo zokuqeshisa.
Uhlahlo lwabiwo-mali kwi-Initial Move-In
Unokufumanisa ukuba unako ukuhlawula irenti yenyanga ngaphandle kombandela, kodwa iindleko zokuhamba phambili zibonakala ziphazamisekile.
I-Deposit yoKhuseleko : Iindawo ezininzi zifuna ukuba ubeke irenti enye phantsi kwephepha lokukhusela, kwaye ukuba usebenzisa umthengisi, kufuneka uhlawule enye yenyanga yerenti njengemali kubo, ngaphezu kokwenza imali yakho yokuqala yentlawulo.
Oko kuthetha ukuba urenta indlu ebiza i-$ 1,000 ngenyanga, unokufuneka ubeke i-$ 3,000 ukuya kwelinye xa uhamba. Ngaphandle kwe-broker, yi-$ 2,000 kufuneka uyihlawule.
Ezinye iindawo zingakunika ikhefu kwi-deposit yokuphepha, nangona kunjalo. Esikhundleni sendawo yemveli (apho ufumana idiphozithi yakho emva kokuba kungabikho umonakalo), unokuba unikezwe idiphozithi engabuyiselwayo kwixabiso elincinci, njenge $ 175.
Ngelishwa, ukuba kukho umonakalo kwigumbi eligqithisa loo mali, unokube ukhoneni kulabo ekupheleni kokuqeshisa kwakho. Ukuba uthatha inketho engabuyiselwayo, qiniseka ukuba ulondoloze encinci inyanga nganye xa kufuneka uhlawule ngokugqithiseleyo ekupheleni.
I-Pet Deposit : Ukuba ufuna ukuzisa izifuyo kunye nawe, kufuneka uhlawule idiphozithi kubo. Le mali isencinane kuncinci ngaphezu kwerenti yenyanga, kodwa kusekhona into oyifunayo ukuhlawula imali.
Intshurensi yeRharener : ezininzi iinkampani zolawulo zifuna ukuba unobungqina bomshuwalense ngaphambi kokuba ungene, kwaye yinto efanelekileyo yokuqinisekisa izinto zakho ngokungakhathaliseki. I-inshurensi yeRharener ihlala ijikeleze i-$ 10- $ 20 ngenyanga, kuxhomekeke kwindawo ohlala kuyo kwaye yintoni ebonisa indawo yokuhlala yakho, kwaye unokubuza umgcini-mali wakho umgcini-mali xa ehambisa. Unokufumana isaphulelo sesebenzi.
Iintlawulo zeeNkonzo : Abanye abanikazi bezindlu bafuna ukuba izixhobo ezisetyenziswayo egameni lakho, kwaye kufuneka uhlawule idiphozithi enkonzweni, ngakumbi ukuba awuzange ube nemisebenzi egameni lakho ngaphambili. Ezi zidiphozi zinokuvela kwi $ 70- $ 150, kodwa nje kuphela xa uhlawula izixhobo zakho ngexesha, kufuneka ufumane imali yokubuyisela imali. Unokulinda iinyanga ezimbalwa kunyaka, kwaye ukuba uqhubeka nokusebenza kunye neenkampani zesevisi, unokulindela ukufumana ityala kwisitatimende sakho endaweni yoko.
Enye into ekufuneka uyiqwalasele kunye neenkonzo: kwi-intanethi kunye nekhebula (kuxhomekeke kwindlela inkunkuma yakho yokuhlala ifakwe ngayo izinto), unokuhlawula umrhumo wokufaka. Qinisekisa ukubuza malunga nokuba xa uthengeza.
Imirhumo yoLawulo : Okokugqibela, ukuba ufuna ukufaka isicelo seflethi, inkampani yolawulo iya kufuneka iqhube i-credit yakho kwaye iqhube ingqalelo yomxholo. Ngokuqhelekileyo kufuneka uhlawule intlawulo yokulawula kule ndawo (kwindawo ejikeleze i-$ 100), nangona ezinye iinkampani ziya kuhlawula umrhumo ukuba zinikela ngokukhethekileyo.
Xa usebenzisana nomnini-mhlaba wangasese, iifizi zolawulo zingabi ngaphantsi, okanye awufanele uhlawule.
Ingakanani Ingxowa Unako Ukuhlawula?
Emva kokuphonononga zonke iindleko ezinokwenzeka, unokuzibuza ukuba unako ukukwazi ukuphuma ngaphandle.
Musa ukuxhalabisa - ngokuhlalutya ngokucwangcisiweyo kunye nocwangciso; kufuneka ulungele ukuphatha zonke iindleko zexesha elilodwa . Ukuqeshisa kuyakwazi ukuhlawuleka emva kweenyanga ezimbalwa zokuhlala ngokwakho, kwaye ukuba awuyi kuphuma kwindawo yakho ekupheleni kokuqeshisa kwakho, awuyi kuba nexhala malunga nayiphi na imali yexesha elinye ngonyaka okanye njalo.
Ngoko ke kufuneka uhlawule kangakanani? Kukho umgaqo- mfanekiso othandwayo ochaza ukuba ingeniso yakho kufuneka ibe malunga ne-3x yerenti yakho yenyanga, kunye neendawo ezininzi zendawo yokuhlala (kunye nabanikazi bezindlu) landela lo mgaqo.
Ngokomzekelo, ukuba ukhangele indlu ebiza i-$ 1,000 ngenyanga, uya kufuneka ufumane ubuncinane i-$ 3,000 ngenyanga ukwenzela ukufaneleka.
Kukho omnye umthetho-we-thumb othi iindleko zokuphila akufanele zidlule malunga neepesenti ezingama-25 zomvuzo wakho; Ngoko ke xa ufumana i-$ 3,000 ngenyanga, kufuneka ukhangele kwi-750 750 indawo.
Le yimithetho yesithupha, nangona kunjalo. Ziye zenzelwe ukuba zikhokelo eziluncedo, kungekho imigaqo enzima-kwaye-imigaqo ekufuneka ilandelwe kwi-T.
Xa uqikelela ukuba ingaba likhulu kangakanani lerenti unako ukuyifumana, ibhetri yakho efanelekileyo kukulandela amanyathelo angentla. Yakha isabelomali sakho esisezantsi, uze ubone indlela iindleko zakho zokuphila ezixhomekeke kuyo.
Ingaba unayo imali eyaneleyo yashiya emva kokuba ezinye iindleko zithengise indlu kwindawo oyifunayo? (Khumbula, kufuneka udibanise iintlawulo ezijongene namatyala kunye nokugcinwa kwebhajethi yakho.)
Ukuze ufumane, yenza uphando olukhawuleza kwisayithi efana neCraigslist okanye i-Apartment Finder kwaye ubone ukuba ziphi izindlu ezihlala kuyo. Uza kubona uluhlu lweendawo zokulala, ezimbini zokulala, kunye nee-studios.
Uza kufumana ukuba indawo esondeleyo kwinqanaba le sixeko, kuya kuba kubi kakhulu (kwaye kuya kuba yincinci), ngoko ukhethe indawo yakho ngokuhlakanipha.
Into eyona nto eyona nto ungayenza kukuba uzame kwaye uyiqeshise indawo ephuma kwixabiso lakho. Ukuba unayo i-$ 1,200 kuphela emva kokuba konke kushiwo kwaye kwenziwa, kwaye irenti yakho i-$ 1,100, kufuneka uqinisekise ukuba izixhobo zakho azidluli i-$ 100, ezinokuba nzima. Ngaba ubungenako ukurenta indawo apho akudingeki ukhathazeke ngokuhlala ngokuhlawula imali?
Indlela Yokugcina Imali Kwimeko Yakho Ephilayo ukuze wenze iRhafu enokuhlawuleka
Uyazi ukuba ungaphila irenti, kwaye yiyiphi indawo yokuqashisa ehlala kwindawo ofuna ukuya kuyo.
Kuthekani ukuba imathematika ayisebenzanga kunye nokucinga kwakho? Kukho izinto ezimbalwa onokuzenza ukuze ugcine imali kwiimeko zakho eziphilayo .
Okokuqala, cinga kwakhona apho ufuna ukuhlala khona, zombini indawo-isilumko nesilumko.
Ukuhlala kwi-studio okanye kwigumbi elingaphantsi kwezindlu kungaphantsi kunokuhlala kwindawo eyodwa okanye ezimbini zokulala. Ngokufanayo, ukuqesha indlu yonke kuya kuba kubi ngaphezu kokubelana negumbi nabanye abantu abambalwa.
Ukuhlala kufuphi neziko leedolophu kuya kuba nemali engaphezu kokuhlala ngaphandle komzi, kodwa ukuhlala phakathi akukho ndawo kunokukushiya ngeendleko eziphezulu zokuthutha.
Cinga ngale miba njengeziqwenga ze-puzzle kwaye uzama ukufumanisa into ongayenza ukuze wenze uhlahlo lwabiwo-mali lwakho lusebenza. Ukuhlala kufuphi nomsebenzi wakho kunokukwenza isisombululo esinqununu njengoko unako ukuyeka imoto yakho kwaye ugcine imali kwi-gesi, i-inshorensi, ukulungiswa kunye nokupaka. Kwezinye iimeko, ukuhlala kwisixeko kungancinci kwezi zizathu.
Okwesibini, cinga kabini ngeendleko zakho zenyanga. Ngaba ufuna ikhebula? Ngaba unokufumana ngeNetflix? Ngaba ungathengela i-inshurensi engabizi? Ngaba unokunciphisa ukutya ekusetshenzisweni?
Qiniseka ukuba uqwalasele iinketho zakho kwaye uthathe zonke iirhafu ezikhankanywe apha ngasentla xa ukhetha indlu. Azikho zonke iindawo ezifanayo, ngoko kubaluleke kakhulu ukwenza inqaku lemali xa uthelekisa. Elinye igumbi lingaba nerenti engaphantsi kwerenti kodwa ibe nemali ephezulu yenyanga ehlanganisiweyo kuyo, eyenza ibe yinto encinane kwintengiso.
Qalisa zonke iinombolo, ubuze imibuzo, kwaye uqale ukugcina inyanga ngenyanga . Uya kuba ulungele ukuphuma ngaphandle kokuba wazi.