Ngaphandle koko, unokufumana kwisimo esinzima kwaye unokuphelisa ukulimala ngokwezimali.
Yintoni Esenzayo Ukuba Siya Kuhlangana?
Ukuba uhlala kunye, kuyaqondakala ukudibanisa iindleko zendlu kunye nokuzihlanganisa. Into efanelekileyo ukuyenza kukuba kusekwe uhlahlo lwabiwo-mali . Oluhlahlo lwabiwo-mali luya kubandakanya izinto ezifana nerenti, izibonelelo, ukutya kunye nezinye iindleko ozabelana ngazo. Uya kugcina izinto ezifana nemboleko yakho yemoto, i-inshorensi kunye nomhlalaphantsi ohlukileyo. Imali oyisebenzisayo kwimpahla kunye nokuzizonwabisa uya kuhlala uhlukile. Oku kukuvumela ukuba ukhusele ikhredithi yakho, kunye nomhlalaphantsi kwaye usebenze kwiinjongo onayo. Ekubeni kunqabile ukuba isibini senza umlinganiselo ofanayo, kulungile ukuba unika ipesenti enye yemali engenayo kwi-budget yekhaya. Ngoko ukuba uhlahlo lwabiwo lwekhaya lakho luyi $ 2000 ngenyanga, kwaye wenze i-$ 2500 ngenyanga kwaye iqabane lakho lenza i-$ 3000 ngenyanga, uza kufaka i-$ 910, kwaye iqabane lakho liza kufaka i-$ 1090.
Oku malunga ne-36% yomvuzo ngamnye. Unokukufumana ngokuhlula isabelomali sakho sekhaya ngemali yakho ehlangeneyo ukuze ufumane ipesenteji yengeniso yakho ekufanele uyenze igalelo ngalinye.
Kuthiwani Ukuba Sisebenza?
Ukuzibandakanya yinyathelo elikhulu yaye ibonisa ukuba uzibophezele omnye komnye.
Nangona kunjalo, akunikezeli naluphi na ukhuseleko olongezelelweyo phantsi komthetho. Ukuba usebenza, kulungile ukulinda de utshatile ukudibanisa imali yakho ngokupheleleyo. Nangona kunjalo, ukuba uhlala ndawonye unokudibanisa neendleko zendlu yakho. Unokudibanisa ezinye iindleko njengoko uzilungiselela ukuhamba kunye emva kokuba utshatile, njengokusayina ukuqeshisa okutsha.
Kuthiwani Ukuba Sinabantwana Ndawonye?
Indlela efanelekileyo yokujongana nalokhu kukubeka zonke iindleko ezinxulumene nomntwana kwisabelomali sakho sekhaya. Oku kubandakanya i-inshurensi yempilo, ukunakekelwa kwezingane kunye neengubo zomntwana. Emva koko, misela ukuba ngamnye ufuna ukufaka isandla ukwenzela ukufihla izindleko zendlu. Ukuba uyaphula, unokwenza uncedo olujongene neendleko ngokuxhasa abantwana. Uzakufuna ukuthetha nommeli ukuyibeka. Amanye amazwe anika uncedo kulokhu ngokusebenzisa isebe leenkonzo zamabantwana. Ukuba omnye wenu uhlala ekhaya kunye nezingane, kufuneka uxoxe ngokudibanisa yonke into. Ngaphandle kokhuseleko olunikezelwa phantsi komtshato, iqabane elihlala ekhaya aliyi kuba nelungelo lokufumana izibonelelo zomhlala phantsi. Uzakufuna ukufaka imali yokugcina umhlala-phantsi kumzali wokuhlala ekhaya kwisabelomali.
Kunokuba luncedo ukuqwalasela ukutshata kule ngongoma.
Kuthiwani Ukuba Sifuna Ukuthenga Indlu Ndawonye?
Oku kunokuba nzima kakhulu. Kuyakwazi ukuthenga indlu ndawonye ngaphambi kokuba utshatile, kodwa kufuneka kwenziwe kwindlela efanelekileyo ngayo bobabini. Uzakufuna ukwenza isivumelwano esahlukanisa ixabiso lekhaya phakathi kwabo bobabini. Ukuba omnye wenu unika intlawulo ephantsi, kuyacaca ukuba loo mntu abe neengcambu ezingaphezulu kwama-50 ekhulwini. Ufanele u tyelele ugqwetha ukuba wenze oku kuchanekileyo ukuze ukuba unqume ukwahlukana, ukujongana nendlu kuya kuba yinto enobulungisa kwaye omnye wenu akayi kuba yindawo ebi kakhulu yokuthetha ngokwezimali.
Kuthiwani Ukuba Umhlobo Wanga okanye Umlingani Akafuni Ukudibanisa?
Ukuba lakho iqabane okanye iqabane lingathandi ukudibanisa imali nakwezinye, unokuba nzima kwiimeko.
Ukuba uhlala kunye, kuya kufuneka udibanise izindleko zendlu. Unako ukuvula i-akhawunti yokujonga idilesi eyahlukileyo ukuba ubeka imali kwaye usebenze apho. Ukuba iqabane lakho lingathandi ukwenza oko, kungcono ukuba ungahlali ndawonye. Kukho izizathu ezifanelekileyo ukuba kungani iqabane lakho lingathandi ukudibanisa. Umzekelo, ukuba awukwazi ukuphatha kakuhle imali yakho, kwaye ungalondolozi imali, unokungafuni ukudibanisa. Nangona kunjalo, ukuba kulungile, iindleko ezabelwanayo kufuneka zabelwana ngazo. Ukuba iqabane lakho aliyi kuhlanganisana nemali , unokufuna ukuba umcebisi womtshato asebenze kunye nemiba. Kungaba ngumqondiso omkhulu wokuba kukho imicimbi yezemali kulwalamano lwakho .