Ukuxhomekeka kwizinto ezingaphandle kolawulo lwakho
Ukuba isicwangciso sakho sokuthatha umhlala-phantsi kusasebenza kuphela ukuba utyalo-mali lwakho lufumana i-7% ngonyaka, ukunyuka kwamaxabiso kuhlala ngaphantsi kwe-3%, isicwangciso sakho somhlala-phantsi senkxaso-mali sihlawulela ngoncedo ngonaphakade, iindleko zomshuwalense wakho wezempilo azange zenyuke, kwaye ikhaya lakho liyaqhubeka lixabisa ngexabiso, ngoko unokuphelela kwingxaki.
Akumelwe uthembele kwizinto ezingaphandle kolawulo lwakho.
Indlela yokuyiphepha: Bala ukuba unakho ukulungelelanisa. Yiba nokulungelelanisa ukuchitha imali kunye nendlela yokuphila ukuba ezinye zezinto ezingaphandle aziphenduki njengoko zicwangcisiweyo. Gcina kwangoku kwizakhono ongazisebenzisayo ukufumana ingeniso yenkxaso yecala kwicala. Beka eceleni imali eyongeziweyo, kungekhona nje ubuncinci obungabonakali obenza isicwangciso sakho sisebenze. Hlola isicwangciso sakho kunye neengeniso zonyaka ngenzuzo ukuze wazi ukuba ukulungiswa kufuneka kwenziwe.
Ukuchitha ixesha elide kakhulu
Ukuchitha imali ngaphezu kokucwangciswa kufana nokuthatha kwangaphambili kwi-paycheck yakho. Kuya kufumana nawe kamva. Isicwangciso sakho sokuthatha umhlalaphantsi kwangaphambili kufuneka sicacise ngokuchanekileyo ukuba ungakunqanda kangakanani ukugcina imali okanye utyalo-mali ngamnye kunyaka, kwaye kufuneka unamathele kuloo miqathango. Abaninzi abahlala phantsi bechitha ixesha elide kakhulu, kwaye ngoku babuyele emsebenzini.
Indlela Yokuziphepha: Ukuphuhlisa uhlahlo lwabiwo-mali olunzulu ngaphambi kokuba uthathe umhlalaphantsi kusasa. Qinisekisa ukuba ungeze kuzo zonke iindleko "zinye ixesha" ezibonakala zivela rhoqo ngonyaka; izinto ezifana nekhaya kunye nokulungiswa kwemoto, iindleko zonyango kunye nokuhamba.
Abanye abantu badala "ingxowa-mali yokutshintshwa" kwaye babeka eceleni imali engenayo yenyanga nganye kwi-akhawunti eyahlukeneyo abangayisebenzisa xa kuthiwa "iindleko ezingalindelekanga" zivela. Ukuba uhoxisa imali kwi-akhawunti ye-investment, usethe ukuhoxiswa kwenyanga yakho okanye ukuhlawula kwenyanga nganye njengentlawulo yemoto kwaye uyiphathe njengendlela yokuhlawula imali - ngokungathi akukho mali eyongezelelweyo ekhoyo-kuphela imali edibeneyo.
Ukukunceda ukulungiselela, ungalibali ukusebenzisa iphepha lokusebenzela lomhlalaphantsi kwaye uhambe ngamanyathelo okuqikelela iindleko zomhlala-phantsi ngokukhawuleza. Nangona kungekho sicwangciso singenangqiqo, ukulindela okuqinisekileyo kuya kukunceda ukulungiselela umphumo ekulawuleni kwakho.
Ukuthatha ukhuseleko lweNtlalontle kakhulu
Nangona kufumaneka kwi-62, uphando olutsha lubonisa, ngokukodwa kwizibini ezitshatileyo, ukusebenzela isicwangciso apho omnye wakho ulibazise ukuqala kweenkonzo zakho zoKhuselo loLuntu kwixesha elide kwenza ukuba imali yakho ihlale ixesha elide. Ukuthatha ukuKhuselwa kweNtlalontle kwangoko kunokusithintela isicwangciso sakho somhlalaphantsi jikelele.
Indlela Yokuziphepha: Phuhliso lwecebo malunga nendlela kunye nexesha lokuqokelela inzuzo yakho yoKhuseleko loLuntu . Qalisa uhlalutyo kwiintlawulo zeNtlalo ngaphambi kokuba uqokelele. Indlela efanelekileyo yokwenza oku kukudlala nge- calculator ye-Intanethi yeNtlalo ekhompyutheni ebonisa indlela yokwenza ngcono iinjongo okanye ukufumana umcebisi wezemali onolwazi olunzulu loKhuselo loLuntu ukukunceda ngale nto.
Abantu abaninzi banokuThuseleka koLuntu kwi-62 ubudala kwaye bashiya imali etafileni. Bajonge ngathi "bathathe imali kwaye baqhube" kunokuba bajonge njengendlela yokuzikhusela ekuphumeni kwemali xa bekhulile.
Ixesha elininzi kakhulu, imali encinane kakhulu
Ukuba nexesha elininzi lokukhulula livakala ngathi iphupha lizaliseka, yingakho abaninzi abantu bebetha umhlalaphantsi kwangoko.
Kwabanye, ke, ixesha elongezelelweyo lithetha ixesha elide lokuchitha imali ngokungakhathali. Ukuthenga, ukuhamba, ubugcisa kunye nemisebenzi, ukuhlobisa ikhaya, kunye neendleko ezinxulumene nezinto zokuzilibazisa zingongeza.
Indlela Yokuyikhusela: Qinisekisa ukuba uyazi ukuba ufuna ukwenzani ngexesha lakho ngaphambi kokuba uthathe umhlalaphantsi. Ngaba unalo uluhlu lwezinto oye wafuna ukuzenza? Uyabona? Kufunda? Uncedo kunye? Bhala zonke ezi zinto phantsi. Akunakukwazi ukwenza konke ngokukhawuleza, kodwa mhlawumbi unyaka ngamnye wokuthatha umhlalaphantsi kwangaphambili unokunikezelwa kwinto entsha kuloluhlu lwakho. Isitshixo sifumana izinto onokuzibandakanya ngokuzithandela; izinto ozikhathalelayo.
Ukuba nexesha lovuyo lokwenene, kwaye kunengqondo ukuba uyisebenzise ukwenza izinto ozonandiphayo kwaye unokukwazi ukufikelela. Oku kubandakanya ukuzonwabisa, ukuzithandela, ukuncedisa intsapho okanye ukwenza into entsha, kwanexesha lexeshana.