Ukholelwe okanye Hayi, Kungenziwa
Ukulondoloza umhlalaphantsi kulungile, kodwa, ngaba uyazi, unokuthatha umhlalaphantsi ngaphandle kokugcina ipenki? Abantu bakwenza oko lonke ixesha. Kwaye abanye bathi baphumelele ngokuphila kakuhle. Bazenza njani? Ngeendlela ezimbalwa ezahlukeneyo. Nazi iindlela ezintathu onokuthatha umhlalaphantsi ngaphandle kokugcina konke.
Cwangciso so msebenzi
Ukuba ukhetha umsebenzi apho izibonelelo zilungileyo kwaye isicwangciso somhlala-phantsi sinikezelwa, unokuthatha umhlalaphantsi ngenzuzo eqinisekisiwe kwaye ungalokothi ugcine ipenki endleleni.
Xa usebenza ixesha elide kumsebenzi wakho okhethiweyo, umhlalaphantsi wakho wokuhlala umhlalaphantsi uza kuba.
Ndiyayibona le ndlela ngokusebenza rhoqo kunye nootitshala, umlilo kunye nabasebenzi bamapolisa, abasebenzi bezempi kunye nabantu abasebenza kwi-federal okanye kurhulumente karhulumente. Banamathele emisebenzini yabo, benze izinto izinto zabo ukuze indlu yabo ihlawulwe malunga nexesha lokuthatha umhlalaphantsi, kunye neempesheni ezizinzileyo, iinzuzo zezempilo, kunye nakwezinye iimeko zoKhuseleko loLuntu , zikwazi ukuhlala zikhululekile.
Yintoni eyenza esi sicwangciso sisebenze kakuhle sibambelela kumqeshi ofanayo ixesha elide. Uninzi lwamapenshini anika inzuzo ngokusekelwe kwiminyaka emininzi apho kwaye kwiminyaka embalwa yokugqibela yembuyekezo. Iminyaka edlulileyo, kwaye iphezulu imbuyekezo, ephezulu inzuzo. Ukuba uhamba kakhulu kakhulu akunakwenzeka ukuba uya kuba nethuba lokufumana ipension enkulu njengokuba uhlala nomqeshi ofanayo iminyaka engamashumi amabini okanye emashumi amathathu.
Into enye ukugcina engqondweni, awukwazi ukufumana uxolo lwakho lweNtlalontle kunye nomhlalaphantsi. Kukho umbuso woKhuseleko loLuntu obizwa ngokuba yi-Windfall Elimination Provision engokuchaphazela ukuba ufumana ipenshoni kwiminyaka yomsebenzi apho umvuzo wakho ungagqithwanga phantsi kweNkqubo yoKhuseleko loLuntu. Oku kufuthi kuthintela ootitshala abakwi-13 bathi banesicwangciso sempesheni endaweni yoKhuseleko loLuntu, kwaye kunokukuchaphazela ukuba ufumana ipenshoni emsebenzini ovela phesheya.
Isicwangciso sokuQala esiQala
Iingcali, ezifana noogqirha, amagqwetha, abaqulunqi kunye nabagcini-zimali, kaninzi bafumana umkhwa wokuchitha imali njengoko benza ngaphezulu. Kule meko, kulula ukuyifumana kwiminyaka ephakathi kwaye akukho mali yokugcina umhlalaphantsi.
Enye inketho yokuqwalasela: shiya umkhuba wobucala okanye ishishini elincinci uze ufumane umsebenzi wequmrhu okanye urhulumente onika ipenshoni. Sebenzisa iminyaka yokugqibela eyi-10 ukuya kwe-15 yomsebenzi wakho kwindawo apho iingeniso zempilo yomhlalaphantsi kunye nomhlalaphantsi ziyingxenye yepakethe. Esi sicwangciso sokuqala-sithuba sinokuba ngumsindisi wokuphila kubantu abanokufumana imali ephezulu abangayilondolozi endleleni. Akunakuba yintoni ocinga ukuba inxalenye yecandelo lakho lemisebenzi liza kuba ngathi, kodwa impesheni kunye neenzuzo ziya kwenza ukuba umhlalaphantsi wakho ukhululeke ngakumbi.
Le ndlela ingakuvumela ukuba uphile ngokukhulu kwaye uchithe oko wenzayo kwiminyaka yakho encinane. Kodwa khumbula, akukho siqinisekiso sokuthi uza kukwazi ukufumana umsebenzi oorhulumente kamva. Ukuba awuwusindisi kwaye awukwazi ukuguquka kumsebenzi onomhlalaphantsi, uya kufuneka uhambe kunye nenketho yokugqibela kuleluhlu.
I-Live Live kwisicwangciso esincinane
Ngaba uyazi ukuba iNgcaciso yeNhlalakahle yinto eninzi eyinzuzo yenkxaso-mali engama-20% emibhangqwana ethatha umhlalaphantsi kunye ne-43% yama-single singles?
Ukuphila kwiNtlalo yoKhuselo kungabonakali njengecebo lokuthatha umhlala-phantsi, kodwa ukuba unomdlalo omnandi, indlela yokuhweba inokukufanele. Esi cwangciso sinokusebenza ngokukhululekileyo kwintlobo ekhululekile, okanye nabani na ukuba nayiphi na isizathu ayengayisindisa endleleni.
Kwaye, ukuba usebenza kude kube ngu-70, kwaye ulinde ukuya kuma-70 ukuya kubango loKhuseleko loLuntu, uza kufumana imali engenayo. Ufumana okungakumbi ngokumangalela kamva. Hlanganisa loo ntlawulo ngeendlela zokuphila eziphantsi kweendleko, kwaye uhlala kwi-Social Security, ukholelwa okanye cha, ungaba ukhululekile - ukuba uyazi indlela yokwelula iidola zakho.
Kukho zonke iindlela zokwenza imali yakho iswe. Ungathenga izinto ozifunayo ubuncinci ngokuthenga i-Goodwill okanye ukufumana ezinye iindlela zokuthenga izinto ezisesibini. Ungasindisa kwizindlu ngokuqasha igumbi ukusuka kwintsapho okanye ngabahlobo.
Okanye mhlawumbi unako ukurhweba izakhono, ezifana nokupheka okanye ukuhlala kwezilwanyana, ngokubhekiselele kwirente okanye iinkonzo. Yenza ubugcisa kwiminyaka yakho edlulileyo, kwaye ungazikhupha impumelelo - ukuhlala phantsi ngaphandle kokulondoloza ipenki !