Uninzi Kangakanani Ukusebenza?

Ubume Bakho Bungenza Iindleko Ngaphezu Kunoko Ucinga

Ingakanani imali ekufuneka uyihlawule ukuya emsebenzini? Isenzo esilula sokuya emsebenzini - ukuvusa, ukugqoka, ukugxuma emotweni yakho, ukugxotha abantwana, ukuthatha ikhofi, ukuqhuba iifowuni ekuphumeni kwakho kwemini - kuthatha umlingo omkhulu kwi-paycheck yakho. Kule nqaku, siza kujonga ezinye zeendleko ezichanekileyo kunye ezingangqaliyo zokubamba umsebenzi.

Emva kokuba wazi ukuba uchitha ixesha elingakanani ekusebenzeni, uza kuba nombono ongcono we-"yakho yangempela" yokuhlawula ekhaya.

Oku kuya kunceda uqonde impembelelo yemali yokuhlala ekhaya nomntwana wakho ngokumelene nokuhlala emsebenzini.

(Kukho iingcamango ezingezizo zezimali, njengokwaneliseka komsebenzi kunye noluntu. Injongo yale nqaku kukuba kugxininise kuphela kwimicimbi yezemali yesigqibo.)

Ziziphi iindleko ezizodwa?

Xa uya emsebenzini, uya kufuneka uhlawule:

• Gasoline / Transport
• Izambatho ezinxulumene nomsebenzi (izicathulo, izihlangu)
• Ukunyamekela

Mhlawumbi uya kuhlawula:

• Kofu
• Isidlo

Nangona utywala ikhofi ekhaya uze upake ixesha lakho lasemini, amathuba okuba uthenge ikhofi okanye ubambe ukutya okungenani ngosuku olulodwa ngeveki, okanye kanye nenye enye iveki.

Ngokuxhomekeke kuhlobo lomsebenzi onalo, unakho ukuhlawula:

• Icocwa ngokomisa
• Ukugcina imoto ekhangelekayo
• Ukuhlamba imoto

Akunabo bonke abasebenzi abaza kubakho kwezi ndleko. Ukuba uhlala kwikhompyutha yonke imini kwaye ungadibanisi nabathengi rhoqo, mhlawumbi ngeke uzive uxinzelelo lokuba nombonakalo olungele kakuhle kunye nemoto ekhangelekayo .

Kodwa ukuba uthengisa, unokuziva ngathi ezinye zezinto eziluhlu kulindeleke.

Ziziphi iindleko ezingqalileyo?

Ukongeza, uya kukhwela ixesha xa ulinganisa umsebenzi kunye nekhaya. Kukho ithuba lokuhlawula ngaphezulu:

• UkuLawula ukukhutshwa okanye ukutya kokuhambisa ekhaya
• Ukuthenga ukutya okuninzi okhethiwe ngaphambili, okufriziwe okanye okupakishwe ngaphambili

• Awufanisi-ukuyothenga okanye ukukhangela isigqithiso rhoqo
• Ukuthengwa kwiivenkile ezona zilungele ukona, kunokuba zithengise

Yongeza iindleko zazo zonke ezi zinto. Ukunyamekelwa kwabantwana, ngokuqinisekileyo, kuya kuba yindleko enkulu kunoluhlu, kodwa ezinye izinto zingongeza kwizinto ezingaphezu kokucinga kwakho. Ukuthenga i-$ 6 yesidlo sakusihlwa kanye ngeveki kwongezelela ukuya kuma-dollar 300 ngonyaka. Ukuthenga i-$ 3 ikhofi kanye ngeveki ibhaqa imali engaphezulu kwama-150 ukuya kwii-total.

Emva kokuba ubale iindleko zokusebenza, uya kuba nokwenza isigqibo esithile esinolwazi malunga nokuba ufanelekile ixesha lakho-ukuthetha ngokwezimali - ukuba ngumzali osebenzayo okanye uhlale ekhaya.

Ukuba " iindleko zokusebenza " zizalisa i-20,000 $ ngonyaka, kwaye uzisa ekhaya i-$ 25,000 emva kwentlawulo, ngoko kungenakulungele ukusebenza. "I-home-home real" yakho i-$ 5,000 kuphela, efika malunga ne-2.50 ngeyure xa usebenza ixesha elipheleleyo (iiyure ezingama-2 000 ngonyaka).

Ngakolunye uhlangothi, ukuba unqwenela ukuba ngumzali osebenzayo, ukufumanisa "ikhaya lakho lokwenyuka ekhaya" kungabangela ukuba ucele ukuba uphakame okanye usebenzise ezo zikhundla eziphezulu.