Yini okufanele uyenze uma ingekho imali yokukhokhela imalimboleko futhi kukhona ukubambezeleka ezikweletini
Sawubona, nginombuzo wabachwepheshe be-Ideas for Life! Kuthiwani uma ingekho imali yokukhokha ngezibopho zemalimboleko? Ngenxa yezimo zempilo, kusukela ngo-2014, bekufanele ngiqoqe inqwaba yemalimboleko (izimpahla nazo zakhishwa ngesikweletu).
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Kade ngikhokha iminyaka eminingana, nginonyaka okufanele ngikhokhe, kodwa ngiphelelwa yimali, kukhona ukubambezeleka, futhi ngaphandle kwalokho, iholo lami lehle kakhulu muva nje. Ngicabanga ukuthola umsebenzi wesi-3, kepha ngokwenyama angikwazi. Ake ungitshele, ngabe zikhona izixazululo zale nkinga?
URamil, oneminyaka engu-38 ubudala, uyaphendula. ETatarstan
Kulezi zinsuku, izakhamizi eziningi zinezimalimboleko eziningana ngasikhathi sinye. Uma eminyakeni embalwa edlule, ukuba nemalimboleko emithathu noma ngaphezulu kwakungafanele, manje sekuyinto ejwayelekile. Obolekayo angaba namakhadi wesikweletu amaningana, futhi ngasikhathi sinye ahlele izimpahla ngesikweletu.
Lesi simo sivame ukuholela emiphumeleni emibi. Iningi lalaba babolekisi liwela ogibeni lwezikweletu. Kunezinkinga ngebhange, ngemuva kwalokho elingathengisa isikweletu sesevisi yokuqoqa, okuzosabisa izingcingo zalowo obolekayo yena nezihlobo zikweleti. Njengomphumela, vela izinkinga emsebenzini, naba ngani futhi izihlobo.
Ake sicabangele ezinye izindlela zokuxazulula le nkinga.
1. Zama ukuxoxisana nebhange
Uma obolekayo enezimalimboleko eziningi, khona-ke, njengomthetho, bakhishwa ngasikhathi sinye ezinhlanganweni eziningana. Lokhu kuzosicinanisa kakhulu lesi simo, ngoba kuzofanele ungene ezingxoxweni hhayi ngebhange elilodwa, kepha ngeziningi ngasikhathi sinye. Kuzothatha isikhathi eside, kepha ekugcineni uzothola indlela efanele yokuphuma kulesi simo nebhange.
Izinhlangano zezikweletu zingakunikeza:
- Ukuxhaswa kabusha. Ibhange kuleli cala lingathembisa ukuboleka imali ukukhokhela imali mboleko. Sincoma ukufunda izindatshana mayelana nokuxhaswa kabusha kwemali mboleko nokubuyiselwa kwemali ebanjiswayo.
- Amaholide okubolekwa... Iholide lemalimboleko lisho ukuhlehliswa kwemali mboleko, ngalesi sikhathi awukwazi ukukhokha isikweletu semalimboleko. Kuyafaneleka futhi ukucabanga ukuthi ukuhlehliswa kwemali mboleko kungagcwala futhi kungaphelele. Imvamisa, amabhange ayavuma ukuhlehliswa okuncane kwemali mboleko, okusho ukuthi kukhokhwe inzalo, futhi isikweletu esikhulu kungenzeka singakhokhelwa kuze kuphele isikhathi esibekwe yibhange. Lokhu kuzokusiza ukuthi unciphise umthwalo wakho wezezimali kancane.
- Ukuhlelwa kabusha... Kulokhu, ibhange lizokhulisa isikhathi sokubuyiselwa kwemali mboleko, esinciphisa kakhulu inani lokukhokha nyangazonke. Sesivele sichaze ukuthi kuyini ukwakhiwa kabusha kwesikweletu ku-athikili ehlukile.
Ngabe amabhange ajwayele ukuhlangana nabakweletwayo maphakathi?
Ukuhlangabezana nomuntu okweletwayo maphakathi noma cha kuyindaba yangasese yesikhungo sezikweletu. Umthetho awuhlinzeki ngaleli qiniso nganoma iyiphi indlela, futhi awubaphoqi ukuthi basize uma okweletayo enenkinga ngezinkokhelo. Kepha inhlangano yezikweletu uqobo inentshisekelo yokukhokha isikweletu, ngakho-ke bavame ukuya emhlanganweni.
Uma unezinkinga zezezimali futhi umane uye ebhange uyocela usizo, lapho-ke ibhange cishe lingahlangani nendawo.
Kepha, uma ufakazela ubunzima bakho kubhaliwe (sebenza ngophawu lokwehliswa, ikhefu lokugula nabanye), ibhange lizosibheka isicelo sakho.
2. Ukufaka isimangalo enkantolo kumuntu okweletayo
Uma uyeke ngokuphelele ukukhokha emalimboleko, ibhange lizophoqeleka ukuthi liye enkantolo liyolanda isikweletu kuwe. Kepha, ekuqaleni bazophendukela ku-ejensi yokuqoqa, okungathi ngesikhathi esifanele thenga isikweletu sakho... Ukuba nemalimboleko eminingana ngasikhathi sinye, abaqoqi bazo zonke izikhungo zezikweletu bazokukhathaza, lapho-ke wena kufanele ushintshe inombolo nhlobo futhi shintsha indawo yokuhlala.
Ibhange ngalinye lisebenza ngokuhlukile. Omunye uzofaka icala ngokushesha ngemuva kwesikhathi esithile, kanti omunye uzoya kubaqoqi.
3. Inkantolo - isisombululo senkinga
Akufanele wesabe inkantolo, njengoba inkantolo ingaba yisixazululo senkinga yakho. Uma unezimalimboleko eziningi futhi ungakwazi ukuzibuyisela, khona-ke kuyinzuzo yakho ukuletha leli cala enkantolo futhi uzibize njengongenamali. Funda ngokuqothuka kule ndatshana.
Akuwenzi umqondo ukukhokha ibhange kancane, inzalo isazohamba, futhi isimo sakho ngeke sithuthuke nganoma iyiphi indlela. Inkantolo ivame ukusula iningi lesikweletu.
Ngenxa yalokho, inkantolo izolungisa inani elithile lenzalo engeke lisaqhubeka.
Ngemuva kokuqulwa kwecala, leli cala lizoya kubasizi benkantolo, nabo abafuni kakhulu futhi abathembekile kulowo okweletayo kunebhange uqobo.
Isikhonzi senkantolo singaphoqa ukuthi kudonswe imali emiholweni yenani le- 50% iphesenti, futhi ashaqe impahlafuthi bamba wonke ama-akhawunti.
Icala lakho lizosingathwa umsizi wesikhonzi senkantolo oyedwa, yena, uma ekhokha imali ethile esikweletini, angeke akunikhathaze ngezingcingo zakhe.
P.S. Ungasebenzisa futhi umthetho wokuqothuka komuntu. Funda kabanzi mayelana nokuthi inqubo yokuqothuka yomuntu ngamunye iqhubeka kanjani kwesinye sezindatshana zethu.
Bona futhi ividiyo mayelana nokuthi kuzokwenzekani uma ungakhokhi imali mboleko:
Ithimba le-Ideas for Life linethemba lokuthi lizokwazi ukuphendula umbuzo wakho. Uma usenemibuzo, babuze kumazwana angezansi. Kuze kube ngokuzayo emakhasini kamagazini wethu!