Ewe, umbingelelo. Oku kungabi yinto yokuqala efika engqondweni xa ucinga ngokuphuma kwabasebenzi ekuqaleni. Kodwa njengawo nawuphi na umnqweno wokuzikhangela , kunyanzeliswa into ethile. Ngaphandle kokuba umhlalaphantsi wakho uxhaswa ngemali (okanye unako ukwenza imali eninzi ngenye indlela), ukuthanda kwakho ukuthatha umhlalaphantsi kusenokwenzeka ukungahambisani namanye amaphupha owenzayo.
Nawa amanye amaphupha ongafuna ukuyeka-okanye ubuncinci ukucinga kwakhona-ukuba ufuna ukuhlala phantsi.
1. Ikhaya lakho lephupho
Ukuba uhlala uzifanela kwikhaya eli-5 lokulala okanye i-condo enhle, lixesha lokuhlaziya kwakhona. Ngeendleko zezindlu ngokubhekiselele kwiinkalo zakho eziphezulu zokuchitha imali, oko uchithayo apha kuya kuba nefuthe elikhulu kwikhono lakho lokuthatha umhlalaphantsi ekuqaleni.
Oku akuthethi ukuba uzimisele ukuhlala kwindawo yomthi, kodwa gcina ukhumbule ukuba kunye nekhaya elikhulu liza neenqwelo-mali ezinobuncedo obukhulu, irhafu kunye nokugcinwa. Ukukhetha indlela ethobekileyo yokwakha izindlu kuya kunceda ukuxhasa umgomo wakho wokuthatha umhlalaphantsi kwangaphambili esikhundleni somsebenzi.
2. Ukuhlala apho ufuna
Kusenokwenzeka ukuba uyeke ukuyeka ukuhlala kwisixeko (okanye ummandla) wamaphupha akho. Ukuba ingaba idolophu ebiza njengeNew York okanye i-San Francisco, okanye isitrato esisemaphandleni kwisithili esikhulu esikolweni, ukuhlala kwindawo enqwenelekayo kuthetha iindleko zezindlu eziphezulu kakhulu - kungakhangeli iindleko eziphezulu zerhafu, ukutya, ukuthutha kunye nokunye.
Kwaye iindleko ezithintekayo zingabulala umbono wakho wokuthatha umhlalaphantsi kwangaphambili.
Isigqibo sokuhlala kwindawo apho iindleko zokuphila ziphantsi emva kokuba uthathe umhlalaphantsi ukuba ube yinto enye sele usuqwalasele. Kodwa ukuhamba ngokukhawuleza kungekudala kunokwandisa amathuba akho okubetha umgomo wakho wokuqala wokuthatha umhlalaphantsi.
Ukuphucula Imoto Yakho Yonke Iqabane Lonyaka
Ngaba uyayithanda intlanzi yokuqeshisa imoto entsha yonke iminyaka emibini okanye emithathu? Ngaba uhamba kwi-auto yemali mboleko ukuya kwesinye ? Lo mkhuba ungabangela amathuba akho okuthatha umhlalaphantsi kusasa.
Ukongeza kwindlu yokuqeshisa okanye ukuhlawulwa kwemali, imoto entsha inokuthatha iiphammamu eziphezulu ze-inshurensi, irhafu, kunye neerhafu zokubhalisa, eziza kunqumla phantsi. Ngaphandle kokuba uthathe isondlo kunye nokulungiswa, ukubambelela kwimoto yakho yangoku, xa kunikwe imeko efanelekileyo, kuya kukuvumela ukuba uqondise imali esetshenziselwa ukuphucula imoto yakho ukuze uhlawule ngemali yakho yomhlalaphantsi.
4. Ukuba neBunch of Kids
Ukuba uphuphe ukuphakamisa iBrady Bunch yakho, unokufuna ukucinga kwakhona loo njongo. Ngomyinge weendleko zokukhulisa umntwana omnye okwangoku kwi-233,610 yezigidi, ukuba nosapho olukhulu lunokuchaphazela kakubi umhlalaphantsi wakho wokuqala. Ukuba uphosa imali yekholeji kumxube, kuba nabantwana ababini nje banokuba nefuthe eliyizigidi zeerhafu kwizicwangciso zakho zomhlalaphantsi.
Oku akuthethi ukuba nezingane ziphelile kwitafile xa unqwenela ukuba uthathe umhlalaphantsi kwangaphambili, kodwa ngomntwana omnye ekuhlawulela ikota yesigidi seerandi, unokufuna ukugqiba oko kukubalulekileyo kuwe.
Le ndleko yokukhulisa i-Calculator yaBantwana ingakunceda ukuba uqikelele oko ukulindela ukuyichitha ngonyaka ngokusekelwe kwingeniso yakho kunye nalapho uhlala khona.
5. Ukuhlawula umvuzo (kodwa umvuzo ophantsi)
Ingeniso yakho yinxalenye ebalulekileyo ye-equation echaza ukuba unako ukuhlala phantsi kwangoko-imali engena kuyo, xa unako ukubeka umhlalaphantsi. Ngoko ukuba ukhethe indlela yokusebenzela ehlawulela ngakumbi ukuzaliseka ngokwakho kunokuba idola langempela, lixesha lokuphinda uhlaziywe okanye umgca wakho womsebenzi okanye injongo yakho yokuthatha umhlalaphantsi kwangaphambili.
Ukuqhubela phambili umkhondo wemisebenzi - uthi, njengonontlalontle, utitshala, okanye kwi-sector non-profit-over one that promises a payableck commendable. Kodwa ukwaneliseka onokukwenza xa wenza njalo akunakukuvumela ukuba ushiye phantsi. Ewe, ukufuna umsebenzi kuphela ngemali ayikho into efanelekileyo, njengoko kuya kukushiya ufuna ukunyusa umhla wokuthatha umhlala-phantsi ukuya kusasa .
Fumana ibhalansi ekwenzeni umsebenzi oyonwabileyo, usebenzisa izakhono zakho, kunye nokuxhasa kunye nemali yakho yomhlalaphantsi.
Hlola zakho izinto ezibalulekileyo
Injongo yokuthatha umhlala-phantsi kwangaphambili ngumsebenzi wokuzimela, kodwa yinto enokuyifumana - ukuba uzimisele ukubeka phambili loo njongo. Awudingi ukuba uphile ubomi obunzima okanye ulahlekelwe kuzo zonke iphupha lakho, kodwa kubalulekile ukuba ukhumbule ukuba nayiphi injongo inomdla iza kunye neentengiso. Ukuze ufumane inkululeko kunye nokulungelelaniswa kokuphuma kwangoko kwabasebenzi , unokwenza ulungelelanise okanye uqikelele ezinye zeenjongo kunye nezinto eziphambili njengoko uhamba ngendlela yakho yokuthatha umhlalaphantsi.