Ukuba ubuyele emva emva kokuba uphumelele kwikholejini okanye ukuba uhlala ekhaya ngelixa uhamba esikolweni, unokuba uxhalabele kwaye ulungele ukuhamba wedwa. Kunokukhathaza ukuhlala ekhaya nabazali bakho xa ungaselula. Nangona kunjalo, ukuba uhamba phambi kokuba unesimo sokuzixhasa, ungagqiba ukulimaza ikhredithi yakho kwaye uzilungiselele ukuhlala ekhaya kwakhona. Zibuze le mibuzo ngaphambi kokuba uhambe.
01 Ndingayifaka i-Bills My?
02 Ndingakanani na amatyala?
Kwakhona kubalulekile ukuqwalasela inani lematyala okwangoku. Ukuba ufumana umsebenzi osondeleyo ekhaya, kwaye uhamba kakuhle nabazali bakho, unokufuna ukuhlala ekhaya ukuze uhlawule phantsi kwetyala lakho ngokukhawuleza. Ukuze le nto ibe yinto efanelekileyo , kufuneka ube necebo elifanelekileyo lokuhlawula ityala kwaye wenze imibingelelo ukuze ininzi yemali yakho ihambele ngqo ityala lakho. Kufuneka ube neethagethi ekujoliswe kuzo; inokuhlawula ininzi okanye lonke ityala lakho. Kufuneka uxoxe ngale ndlela kunye nabazali bakho ngaphambi kokuba uzinikele kuyo. Kubalulekile ukukhumbula ukuba uhlala nabo ngenxa yesisa sabo. Abazali abaninzi baya kukulungele ukuba uhlale ixesha elide njengoko beyazi ukuba wenza inkqubela ngokwenene ekuhlawuleleni ityala lakho. Unokufuna ukubika inkqubela yakho kubo inyanga nganye.
03 Ngaba Ndinayo iNgxowa-mali yeNgxamiseko?
Ngaphambi kokuba uphume ufanele ube neengxowa-mali eziphuthumayo ezigcinwe kwaye uzibeke eceleni. Oku akudingeki ukuba ube yingxowa-mali yenyanga engxamisekileyo yeenyanga ezintathu ukuya kweyesithandathu xa usenalo matyala, kwaye ubuhlobo nabazali bakho buxhomekeke. Kufanele ube phakathi kwe-$ 1,000 kunye ne-$ 2,000 ecwangciselwe ukujonga ukukhawuleza kwezemali ezifana nokulungiswa kwemoto. Uzakufuna ukugcina oko ngaphambi kokuba uphume endlwini. Ukuba unomsebenzi omuhle, kufuneka ukwazi ukuwugcina ukongeza kwindlu yakho yokuqala yenyanga kunye nenyanga yokugqibela kwinyanga yokuqala okanye ezimbini zokufumana umsebenzi wakho.
04 Ngaba Unayo Imali Yemali Yakho?
Xa uphuma, uya kufuneka ube nemali egcinwe kwikota yakho yokuqala kunye nenyanga yokugqibela, nayiphi na imali yokufaka idizithi kunye nerenti yesicelo sokuqeshisa onokuyenza. Ukongezelela, kufuneka ube nemali eyongezelelweyo yokufaka idiphozithi okanye ukuhlawula iifizi zokufumana nayiphi na into enjengombane, amanzi kunye nekhebula. Unokuthi uthathe uxanduva lwe-inshurensi yemoto okokuqala. Uya kufuneka uqinisekise ukuba unayo imali eyaneleyo ukuze uhlawulele ezi ntlawulo kunye phambi kokuba uhambe. Ngaphandle koko, uya kuqala kwizinto ezimbi. Uya kuyidinga ukusekwa uhlahlo lwabiwo-mali oluza kubakhokelela iindleko zokuqeshiswa kweloli.
05 Qinisekisa ukuba Ufumana i-inshurensi ye-Renter
Inkonzo yomshuwalense ye-Renter iya kukhusela ipropati yakho xa uphangiwe okanye kukho umlilo. Akukuqhelekanga ukuba uphangiwe kwaye usayinwe kunokunika uxolo lwengqondo kwaye kukunceda ukuba ufake indawo yakho xa uhamba ulahlekile. Nangona oku kubonakala ngathi kuyindleko engadingekile, ngokuqhelekileyo kufikeleleka kakhulu kwaye kunokukugcina imali eninzi xa ubuphangwe. Iirhafu zisekelwe kwindawo ohlala kuyo kunye nokuba ungakhetha kangakanani ukuqinisekisa.
06 Cinga ngabahlala nabo ngokucophelela
Abathathi-nxaxheba yindlela enhle yokugcina kwirente . Nangona kunjalo, kufuneka ukhethe ngokucacileyo imeko yohlala naye. Abahlobo banokukhawuleza kuba iintshaba kwiimeko zokuphila nzima. Ukongezelela, kufuneka uqiniseke ukuba uzikhusela ekutshweni kobunikazi kwaye uqiniseke ukuba unolwazi lwakho lomntu kwindawo engayifumaneka okanye ayifumaneke kuyo. Ukuba kunokwenzeka, bhalisa iinqeshiso ezihlukeneyo kunye neengxaki ukwenzela ukuba ungabanjwanga uxanduva xa ohlala nabo beqhankqalaza kwirente okanye ezinye iindleko.
07 Linganisela into ochitha ngayo ekuthengiseni iTheku yakho yokuqala
Xa uqala ukuphuma, ungagqiba ukubonelela indlu yakho kunye nezinto ezisezantsi zesandla ozifumanayo kwiintsapho okanye kwiivenkile ezithengayo. Ungakwazi ukudala isikhala esikhulu kwaye ungeze ngokukhawuleza kwindlu yakho njengoko ugcina imali ukuthenga izinto ezintsha ezithandayo. Yinto into omele uyenze ngemali kuphela. Ukwenza ukhetho olungenangqungquthela ngoku kuya kukunceda ufumane ikhaya elihle ngexesha elizayo kuba liya kukunceda uphephe ityala. Thatha ixesha lokuzingela amaqhinga. Unokusebenza ekwakheni ikhaya olifunayo ngokucwangcisa ngokucophelela nokugcina.
08 Khusela amanqaku akho kwiNgxowa-mali
Abantu abaninzi abaselula bachitha inkokhelo yabo xa beqala ukuphuma. Ukuhlawulwa kwexesha elide kunye nokuhluleka ukuhlawula iinkonzo zakho ngexesha okanye ukucima ukukwazi ukukhangela i-credit yakho. Qinisekisa ukuba uhlawula zonke iibhilikhwe zakho ngexesha ukuze xa ufuna ukuthenga indlu, ikhredithi yakho iya kukunceda ukuba ufanele ukuboleka imali. Imikhwa oqala ngayo xa uqala ukuphuma uya kukulandela njengoko uhamba kuyo yonke impilo yakho yabantu abadala. Qinisekisa ukuba uxanduva kwaye uhlawule iibhokhwe zakho ngexesha ukusuka komhla owodwa, kwaye kufuneka ukwazi ukulawula kakuhle imali yakho.