Izizathu ezi-7 zokuvela ngaphandle komhlalaphantsi

by USusan Adcox

01 Ulahlekile Ube Nomsebenzi

Ngokwemfundiso, wonke umntu ulindele ukuhlala phantsi. Ixesha lokulandela izinto zokuzilibazisa, ukuthatha uhambo olude, ukuchitha ixesha nabazukulwana - into engcono? Enyanisweni, abanye abantu baxhamla ngokukhawuleza ngomhlalaphantsi. Mhlawumbi banqwenela isakhiwo kunye nenjongo yokuba nomsebenzi unika. Mhlawumbi balahlekelwa oonxibelelwano lwentlalo. Abanye baphoswa imingeni yomsebenzi, yokufunda izakhono ezintsha nokulungelelanisa nokutshintshwa kweendlela.

Kungakhathaliseki ukuba yintoni imeko yakho, akukho ntloni xa uvuma ukuba awunqunywanga umhlalaphantsi. Ukuba unethamsanqa, uya kuba neenketho ezingakumbi zokuqwalasela kunokuba wenze ngaphambi kokuthatha umhlalaphantsi. Unokwazi ukusebenza kwintsebenziswano, ukhethe ixesha lesithuba okanye umsebenzi ukusuka ekhaya ubuncinci kwithuba. Unokwenza isigqibo sokusebenza kwintsimi eyahlukileyo. Okunye malunga naloo kamva.

02 Awukwazi Ukusingatha Ukuhlanganisana

Abanye bachaza umhlalaphantsi ngokuthi "isiqingatha semali, umyeni ophindwe kabini." Lona umgca obalaseleyo, kodwa kunjalo ngokwenene. Akunabo bonke abahlala phantsi ababa neqabane okanye iqabane, kodwa kulabo abenzayo, ukuba nexesha eliphindwe kabini kunye neqabane lingenza umngeni.

Ngamanye amaxesha umhlala-phantsi uthatha iimpazamo zomtshato ezazisele zikhona. Esi sibini sinokuxakeka kakhulu ukuba singabathengi. Kwimeko yokuhlala umhlalaphantsi, iziphoso ziyabonakala kwaye zinokubonakala zingenakulinganiswa. Kwamanye amaxesha, ukuphangwa kwemisebenzi yabo eqhelekileyo (imisebenzi), amaqabane abonakala efuna ukuqhubana. Elinye iqela linokugqiba isigqibo sokuhlaziya kwakhona ikhaya, ukulungisa "into eyenziwa yile enye iqabane.

Ngamanye amaxesha uxinzelelo lwanele kangangokuba izibini zidibene. Nangona ootatomkhulu banokuqhawula umtshato. Ngaba kuyamangalisa ukuba ezinye izibini zitshatileyo zigqiba isigqibo sokuba bhetele xa omnye wabo ebuyela emsebenzini?

03 Ufuna ukuzama into entsha

Ngaba uye wakha waziva ulahlekelwe ekufoweni kwakho okwenyani? Abantu abaninzi benza. Abanye babo baphuma emhlala phantsi ukuze baphishekele oko abanye bathi "umsebenzi oqhubekayo."

Ngamanye amaxesha abo bafundi abatsha bahamba ngokukhawuleza ukuba banomdla, ongenakuze bafumane ithuba lokuhlola. Ngamanye amaxesha baye bafumana uthakalelo olutsha. Abantu abaninzi banqwenela ukugqitywa okokutshintshwa kwelo shishini.

Kwimisebenzi yesibili, imali ayisoloko iyona mdwebo omkhulu. Amaxesha amaninzi aphinde aqhubeke nokukhetha ukuncedisa imisebenzi okanye imisebenzi yokudala apho bafumana ukwanelisa.

Abathathe umhlala-phantsi banako ukwenza imali ebalulekileyo ngemisebenzi eqhubekayo, kodwa banokuphelisa ukulahlekelwa yimali ukuba batyala imali kakhulu kwizinto eziza kuba yiphakamiso esilahlekileyo. Ukuba ingcamango yabo yecandelo lesibini lifuna utyalo-mali obalulekileyo, kufuneka bafune iingcebiso ngezezimali, ngokucwangcisa uhlahlo lwabiwo-mali kwaye bafumane isicwangciso sokuphuma xa i-dollar drain ibonisa ukuba ikhulu kakhulu.

04 Usuke Uhluphekile Ukubuyiswa Kwemali

Kukho iintsuku apho abantu bekhenkcezile ukugcina kwabo kwiimitha zabo. Namhlanje phantse wonke umntu onemali yomhlala-phantsi usetyalomali kwimakethe yempahla okanye nakwezinye iimali ezithintekayo. Oko kuthetha ukuba izithintelo zezemali ziyakwenzeka, njengokuba abaninzi balapho bebuhlungu ekupheleni kwe-2008 banokufakazela.

Umhlala-phantsi njengenhlangano yezemali iye yaphela, yafakwa endaweni yamatyala amaninzi nge-akhawunti yomhlala-phantsi ka-401k. Oku kuhle kwiimeko ezininzi, kodwa i-401k ingalawulwa kakubi ngeendlela apho umhlalaphantsi ungenako.

Izibambiso zezemali ziza kwezinye iifom, nazo. Izinhlekelele zemvelo, iintlekele zezobuchopho, izingozi zeemoto, uphahla olufuneka ukuba lutshintshe, izixhobo ezingaphumeleliyo-iintlobo ezinjalo ziyakwazi ukukhupha i-hit hit. Kwaye iziganeko ezinjalo azihlali ziza. Ngamanye amaxesha iimeko eziza kulawulwa ngokwazo ziza emacaleni.

Umgca ophezulu kukuba amaxesha amaninzi abantu abacinga ukuba umhlalaphantsi wabo uza kuba sekhuselekile ngokwezemali bazifumene kwizizathu ezinobungqina kwaye kufuneka babuyele emsebenzini.

05 Awuzange Uhlahlo lwabiwo mali olufanelekileyo lwezonyango

Abantu abaninzi banqabile ngokucacileyo ukuba xa bexutywe yi-Medicare, kuya kufuneka bathathe imali encinci okanye bangenanto yokunonyango. Oko kukungaqondi kakuhle. I-Medicare yayingakaze ihloselwe ukuhlawula zonke iindleko zonyango. Okwangoku iquka i-60% yeendleko zomntu ophakathi. Inkorensi eyongezelelweyo ihlanganisa ezinye zezinto ezisele, kodwa abahlala phantsi kufuneka baceba ukuhlawula ipesenteji ephakamileyo ngaphandle kwepokothini.

Uphononongo luka-2012 yi-Employee Benefit Research Institute liqikelele ukuba isibini esithatha umhlala-phantsi kuma-65 siya kufuna ngaphezu kwekota yesigidi seerandi ukuze sihlawule iindleko zonyango. Enyanisweni, eso sibalo sisithuba se-90% sokubhengezwa kweebhilikhwe zabo, kwaye sisebenza kwisibini esineendleko zeziyobisi zonyango. Kwabaninzi, ithebhu ingaba phezulu kakhulu.

Kutheni abantu abafihlakeleyo bekhawuleza loo manani? Ukuxhatshazwa, ukuhlawula imali, ukungafumani unyango kunye neendleko ezihambelana nokuhamba ukuya kwiindawo zonyango. Izidakamizwa zamagqabantso zihlala zibeka ityala, ngokukodwa nge-gap ebonakalayo eyaziwayo njengengxuma yomnikelo. UMthetho woNonophelo ojongene noNcedo unemiqathango yokupheliswa kokugqitywa kwesi sibetho sabantu abadala, kodwa ikusasa le-ACA lihlala likhulu. Ukuba uthatha umhlalaphantsi ngokulondoloza ubuncinci, unokubona ubungqina bakho obuncitshiswa ngokukhawuleza ukuba ukubuyela emsebenzini kubonakala kukuphela kwenkalo enengqiqo.

06 Ufuna Ukunceda Ilungu Lentsapho Elidinga

Kanye nje ngokuba ubomi bunokukuphonsa ijika, kungenza okufanayo kumntu osondeleyo kwaye othandekayo kuwe. Ukuba ilungu lentsapho lijongene nesifo esiyingozi okanye enye ilahleko, njengomntu osemhlala phantsi awukwazi ukukunceda ngemali ngangokunokwenzeka. Ukubuyela kumsebenzi kunokukunceda ukuba uncede ilungu lentsapho yakho isiphepho.

Ngakolunye uhlangothi, ungawunaki iinkonzo onokukwazi ukuzenza njengomntu osemhlala phantsi ongeke ukwazi ukwenza ukuba uqeshiwe. Kwimeko yelungu lentsapho elinomhlaza okanye esinye isifo esibi, unokukwazi ukuhlala esibhedlele, ukubonelela ukuthutha ukuya kunye nokuqeshwa kwezonyango kwaye uncede kunye nomsebenzi wendlu nokupheka. Amaxesha amaninzi ezi nkonzo zinenani elixabisekileyo lemali kunye nokuthatha umthwalo kwintsapho echaphazelekayo.

07 Ucwangcise umhlala-phantsi

Ukuba uthathe umhlalaphantsi kusasa kunye nokulindela ukubuyela emsebenzini kamva ebomini, uyisetter-setting. Ingcamango yomhlala-phantsi oqalayo uqale ukufumana ukulandelana phakathi kwezinye iindawo.

Ukutshintsha umhlalaphantsi kubandakanya ukuhlala phantsi kweendlela zakho njengomntu omncinane kwaye ulondoloze imali eyaneleyo yokuthatha ixesha elide leminyaka emsebenzini, uqikelele ukuba ulindele ukubuyela emsebenzini ngexesha elithile. Umtsalane omkhulu wokuhlala umhlalaphantsi uneminyaka engenamsebenzi xa umntu enempilo ngokwaneleyo ukuzonwabisa ixesha. Ngokungafani nalabo bathatha umhlalaphantsi, bayeke umhlalaphantsi bangazami ukufumana imali eyaneleyo yokugcina ubomi babo bonke njengoko isicwangciso sokubuyela emsebenzini. Ngokomzekelo, umntu unokuceba ukusebenzela kude kube ngu-45, uthathe iminyaka emihlanu, kwaye ubuyele emsebenzini ku-50.

Ngokucacileyo, ukuhlala phantsi komhlalaphantsi akuyi kusebenza kwabanye abantu, njengabo banabantwana abaninzi ukubeka isikolo okanye abo abanemisebenzi ephantsi ehlawulwayo engavumelekanga ukugcina imali eninzi. Kwakhona, ezinye iinkqubo azilula ukungena kwakhona. Kodwa ngenxa yezinto ezimbalwa ezikhethiweyo, umhlala-phantsi ongaphinda uhlawule ungenza ithikithi kwi-adventure ye-midnight ngaphandle kobomi bobuhlwempu.