Indlela yokugcina i-Boomerang Kids ekubhubhiseni umhlalaphantsi wakho

Umhlala-phantsi wakho unokuhlawula ixabiso xa abantwana abadala bebuyela ekhaya

I- degree yekholeji ingaba ngumsebenzi wokuqalisa umsebenzi kodwa kubantu abaninzi abadala, inkokhelo edibeneyo efunekayo ukuyifumana ingawathumela ngaphandle kweemodumba kwaye abuyele ekhaya kuMama noTata emva kokugqweswa. Ucwaningo lwe-TD i-Ameritrade Young Young, i-third-thirds of teen say they have no plans to move back home after college but in fact, 48 percent of post-college college years do end.

Ukuba abantwana be-boomerang babuyele ekhaya banokuba nemiphumo yezimali engafunekiyo kubazali, ingakumbi abo basenokuba bafuphi ukuqhubela umhlalaphantsi.

Xa iindleko zekhaya ngezinto ezifana nombane okanye ukutya kukunyuka ngenxa yokuba kukho umntu okhuselekileyo ohlala ekhaya, okanye unceda umntwana wakho ngezinye iindlela ngezimali, ezinokubeka ubunzima ekukwazi ukufezekisa uhlobo lomhlalaphantsi oyifunayo. Ukumisela imida kuyimfuneko yokugcina abantwana be-boomerang ukuba bangaphambuki kwiminyaka yakho kamva.

Ukudweba ngeMali eMnxebeni

Njengomzali, unokuba ufuna ukunika abantwana bakho nayiphi na into abayidingayo kodwa akufanele ifike ngeendleko zokutshintshisa umhlalaphantsi wakho. Ukuba uzifumanisa imeko yebhobho ye-boomerang, kufuneka ucacise malunga naluphi uhlobo loncedo-kwaye awunako-ukulungele ukwandisa, ngokwezimali.

Ngokomzekelo, ngaba uya kuhlawulisa unyana wakho okanye intombi erenti ngexesha abahlala nawe? Ngaba uya kulindela ukuba babe negalelo kwibhajethi yekhaya ngezinto ezinjengeenkonzo okanye izinto zokutya? Okanye, ngaba baya kulindeleka ukuba bafake isandla kwiindlela ezingezizo zezimali, ezifana nokusika ingca, ukwenza iimpahla zokuhlamba, ukuqhuba iimpahla okanye ukuboleka isandla kunye neminye imisebenzi?

Indlela ojongana ngayo nabantwana be-boomerang ngokwezimali ngokuxhomekeke ekubeni basebenza okanye cha. Ukuba unayo i-grad entsha esanda kungena kwimakethi yomsebenzi kwaye ingenayo imali, ngaba uya kuba nexanduva lokubanika isibonelelo okanye ukuncedisa ukuhlawula iibhilikhwe? Ukuba kunjalo, ungakanani uzimisele ukunikela kunye nokuba ungakanani unako ukukwazi ukuwuphulaphula, ngaphandle kokuphulaphula imali oyigcinayo ekuhlaleni kwakho umhlalaphantsi?

Kwaye ukuba usuhlala umhlala phantsi, unako ukufumana imali engakanani ukuze uhlawule imali yakho ukuze uncede ngeendleko zabo?

Le mibuzo yiyo ufanele uxoxe ngayo kunye ne-boomerang abantwana kungekudala. Ngokucacileyo ukuba ngaba ukhululekile ukwenza ntoni, kungenakwenzeka ukuba kukho ukungqubana kwemva kamva kwaye kulula ukuba bobabini ukuba nibe nethemba elicacileyo eliya kulungiselelo.

Hlela umgca wokugqibela wokunikezela ngoncedo

I-Boomerang abantwana inokukrazula kalula umhlala-phantsi wakho ukuba uncedo lwezezimali lunikwa ngaphandle kokuphela. Njengoko uxoxa ngoluhlobo lwezemali oya kuba nalo, qiniseka ukuba uthetha malunga nokuba uza kuvuma kangakanani ukunceda. Ukuba, umzekelo, bafuna umsebenzi ungavuma ukubanceda baze bafumane ukuhlawula kwabo kuqala .

Ukuba sele sele esebenzayo, unokubeka umda ohlukileyo kwindawo. Ngokomzekelo, unokuvuma ukuba uncede ukuhlawula ezinye zeebhilikhwe okanye uvumele ukuba bahlale kunye nawe ngaphandle kwerenti ezintandathu ezintandathu ngelixa besindisa i-$ 3,000 ukuze bafumane indawo yabo. Imigaqo obekayo iphezulu kuwe kodwa kuyakunceda ukuba ibe yinto ekhethekileyo kwaye uqinisekise ukuba ubapha ixesha lokusebenza kunye nabo.

Yibhale Ekubhaliseni-Kodwa Shiya Igumbi Lokunikezela

Ukubhalwa kwesivumelwano sokuqasha okanye isivumelwano singabonakala singqongqo kodwa kubalulekile kuba kuqinisa ingcamango yokuba awunayo ibhanki engapheliyo.

Xa imiqathango yento ovumelene kuyo ipapashwe kumnyama nomhlophe, iyakunciphisa nayiphi na indawo yokudideka malunga nendima zakho. Inokukunceda ekwenzeni ukuphendula okuthile kumntwana wakho ngoko ba khuthazwa ukuba baphumelele ekupheleni kwabo.

Njengoko uceba isivumelwano, khumbula ukushiya igumbi elithile lokuguquguquka. Ngokomzekelo, unokufuna ukutshintsha imiqathango yento ovumelene ngayo ukuba umntwana wakho ulahlekelwa ngumsebenzi ngokungalindelekanga. Okanye kwimeko yabantwana abadala boomantang abangase babuyele ekhaya emva kokuqhawula okanye ukulahlekelwa ngumlingane, kufuneka ubenike ixesha elifutshane lokufumana imali yabo.

Kodwa, khumbula ukugcina umhlala-phantsi wakho emehlweni onke ngamaxesha. Ukuba ucinga ngokunikezela ngemali yomntwana omdala ukuhlawula kwikhaya ukuba ukhuphe endlwini yakho, umzekelo, zibuze apho imali iya kuvela khona.

Ingaba unayo ngokwaneleyo ekulondolozeni amanzi okanye ngaba unokukrazula imali ngaphandle kweakhawunti yakho yomhlalaphantsi? Ukuthabatha i-IRA kunokukunceda ukuba ufumane i-boomerang abantwana ngaphandle kwesidleke into enhle kodwa oko kuthetha ntoni kuwe ubulumko bentela kunye nesicwangciso sakho sokuhlala phantsi?

Ungayihoyi Iminikelo Yakho yomhlalaphantsi

Xa abantwana be-boomerang bongeza kwiindleko zenu, into yokuqala enokuyilingeka ukuba niyinqumle yimivuzo yenu yokuthatha umhlalaphantsi kodwa kungekudala. Kunoko, kufuneka uhlaziye uhlahlo lwabiwo-mali ukuze ubone enye into ongayenza ngayo ukuze uqhubeke nokuxhaswa ngemali kwi-401 yakho (k) okanye i-IRA ngesantya esifanayo. Yaye ukuba uneminyaka engama-50 yakho, kufuneka usebenzise inxaxheba kwimali yokubambisa kwii-akhawunti ukwenzela ukuba uthathe umhlala phantsi xa ufuna ukuhlala phantsi. Ukunceda abantwana be-boomerang bangaba yinto ephambili kodwa akufanele kuthathe indawo yokucwangcisa ikusasa lakho lemali.

Nini ixesha lokunquma abantwana bakho ?