Ukuba uhlala kunye kunye nokwabelana ngalezo zindleko, izinto zingafumana nzima nakakhulu. Ngaphandle kokuba ukuhlukana kwakho kuphelelwe ixesha ekupheleni kokuqeshisa kwakho, uya kuba noxanduva lokuhlawula intsalela yesiqeshiso. Kungaba nzima nakakhulu xa uthenge indlu okanye i-condo kunye.
Ukuqhuma kwenzeka kuzo zonke iintlobo zezizathu, mhlawumbi ukuhanjiswa kwemisebenzi kunokuba sisizathu sokuba kufuneka wenze isigqibo esinzima. Nangona usenokucinga ukuba kulula ukugqithisana xa ungatshatanga, awunalo ukukhuselwa okufanayo kunye nesibini esitshatileyo nakuba unokuba neengxaki ezifanayo kwiimali ezibangelwa ngumtshato .
Nantsi indlela yokuhamba ngokuhlukana kwaye uphumele ngezimali zakho.
Vala ama-akhawunti akho ahlangeneyo
Okokuqala, kufuneka uvale nayiphi na i-akhawunti edibeneyo owabelana ngayo. Ngaphandle kokuba utshatile, ufanele ugcine ii-akhawunti ezihlukeneyo, kwaye ube ne-akhawunti edibeneyo kwiindleko zendlu.
Nangona kunjalo, ukuba wena kunye neqabane lakho nidibanisa ii-akhawunti, kufuneka uvale onke ama-akhawunti kwaye uhlule imali owabambe iqhaza kwi- akhawunti yokulondoloza ngokufanelekileyo. Gcinani engqondweni, ukuba unayo intlawulo ngokuzenzekelayo okanye idipozithi ezihambelanayo kunye nee-akhawunti, uya kufuneka uzitshintshe.
Oku kunokuba nzima ukuba ungahluleli ngokufanelekileyo, kodwa kuyisinyathelo esibalulekileyo kwinkqubo.
Khetha Ngubani Ofumana Iapropati okanye iCondo
Ukuba uqeshisa, kuya kufuneka uqikelele ukuba wenzeni malunga nokuqeshiswa kwezindlu . Ukuqeshisa indawo yokuhlala, unokuyithenga, kwaye ukwahlula iindleko, okanye ubone ukuba indlu iya kukuvumela ukuba uyidlulisele kwigama lomntu omnye ixesha lokuqeshisa. Awufuni ukushiya igama lakho nantoni na ukuba awusekho uxanduva lweentlawulo.
Ufuna kwakhona ukuqinisekisa ukuba izixhobo ezisetyenziswayo zidluliselwa egameni lomntu oya kuhlala kwigumbi. Ukungenzi nanye kwezi zinto kunokulimaza kakhulu i- credit yakho ekugqibeleni xa umntu omnye ehluleka ukuhlawula iibhili okanye ukuqeshisa.
Ukuba unayo ikhaya kunye, unokugqiba ukuwuthengisa kwaye uhlukanise imali okanye umntu oyedwa unokukhetha ukuthenga enye. Oku kuthetha ukuba umntu ogcina ikhaya uya kuwuhlaziya egameni lakhe kuphela, kwaye ahlawule inani elithile lobulungisa (ngokuqhelekileyo isiqingatha) kumntu ophumayo ekhaya.
Nangona kunjalo, ukuba umntu omnye ufuna ukuthenga ikhaya kodwa akakwazi ukufumana imvume yokubolekwa ngemali, ngoko kufuneka uthengise ikhaya kwaye uhlukanise imali.
Hlukanisa I-Stuff Your
Ukuba bobabili beza kulwalamano nezinto ezifana nefenitshala okanye iipot kunye neepane, nabani na ozisa izinto kufuneka bazifumane. Ukuba uthenge izinto ndawonye, hlala phantsi uze uhlukanise izinto.
Ukuba unenkinga enzima ukuxoxa ngale ngqiqo, unokufuna ukuqesha umlamli ukulungiselela. Le nqubo iyafana noko kuya kwenzeka ntoni ukuba uyayifaka isicelo somtshato. Umlamli unokukunceda ukuphazamisa nokusebenza izinto ngokufanelekileyo.
Ukwahlulwa kweTyala elidibeneyo
Ukuba unamakhadi wesikweleti , iimali-mboleko zemoto okanye enye ityala kunye, kuya kufuneka udibanise, kunye nakwimeko yokwahlukana.
Okokuqala, kufuneka unqume ukuba ubani ojongene naloo nto, kwaye ke umntu ngamnye ahlaziye ityala egameni lakhe kuphela ukuze omnye umlingane asayixanduva kulo. Ukuba awukwazi ukuhlaziya umboleko ngenxa yekhredithi engafanelekanga , loo nto ifakwe kuyo kufuneka ithengiswe kwaye ifakwe kwityala.
Ngokomzekelo, imoto iya kuthengiswa ukuba ihlawule imboleko yemoto ukuba umboleko kusemabini amagama akho kunye nomlingani omnye akakwazi ukukwazi ukuyihlaziya. Amatyala ekhadi lokuthenga ngetyala kufuneka ahlukaniswe kwaye zonke ii-akhawunti ezidibeneyo zivaliwe. Ngaphandle koko, uya kuthwala uxanduva xa iqabane lakho lifa kwiintlawulo.
Qalela ekuqaleni
Ekugqibeleni, kuya kufuneka ufumane indawo entsha yokuhlala, ufike nge-deposit entsha entsha, kwaye mhlawumbi uthenge ifenitshala kunye nezinye izinto ezifunekayo zendlu.
Kufuneka kwakhona uqale ukucwangcisa imali yakho ngokwakho.
Eli lixesha elifanelekileyo lokuseka isabelomali esisha esikuvumela ukuba uphume kwetyala kwaye uqale ukusebenza kwiinjongo zakho zemali.
Ngexesha elizayo xa uqala ulwalamano olutsha, unokuba ufuna ukucinga ukugcina imali yakho ihlukene kwaye usebenze kwisabelo-mali esabelana ngazo ekhaya uze utshate. Oku kuya kwenza ukuba kubekho ukuphulukana kwexesha elizayo ukujongana nazo.
Ukuhlaziywa nguRachel Morgan Cautero .