Uzinzile kangakanani imali?
Yebo, kunjalo, kuyazinza manje kunzima ukubiza okuthile, kepha umsebenzi oqhubekayo ungcono kuwe kunokuzikhandla. Okungenani lokho ongakuthembela kuholo ngosuku oluthile. Kepha lapha konke akukubi kangako. Ziphendule kumbuzo wokuthi isisebenzi esibaluleke kangakanani nokuthi uzosebenza isikhathi esingakanani kule nkampani futhi uthole lo mholo. Ngemuva kwakho konke, imali mboleko iyinqubo edlalwa isikhathi eside, evame ukubambezeleka amashumi eminyaka. Ngakho-ke, lapho uqiniseka ngokwengeziwe imali yethu, kuzoba lula ukukhokha isikweletu semalimboleko.
Iqhaza elibaluleke kakhulu lidlalwa yiqiniso lokuthi unomholo omhlophe noma uyithola emvilophini. Ubukhulu bemali etholwayo buthinta ngqo ukuthi uzobekezelela iBhange Lemalimboleko nokuthi malini.
Ngendlela, ngisho naku-freelanse, ungenza imali ebanjiswayo. Into esemqoka ukusabalalisa amabutho akho ukuze imali ikhona futhi ngezikhathi ze-clutch. Kepha uma imali oyitholayo ingenamkhawulo, noma uyakubeka engcupheni nsuku zonke ukuze uhlale ngaphandle komsebenzi (ukuvalelwa kwebhizinisi, ubudlelwano obubi nabaphathi), ngemali ebanjiswayo ngaleso sikhathi.
Ngabe udinga imali engakanani ngenyanga?Bala ukuthi malini okudingeka uphile ngalo, ungazivumeli noma yini ekucasulayo, futhi uchitheke kuphela kulokho okudingeka kakhulu (ukudla, okokugqoka, izinkokhelo eziphoqelekile); Futhi ukuphila ngokwabelana okuningi noma okuncane, ukuba nethuba lokuphumula okungenani ngezikhathi ezithile futhi usebenzise imali ngohlu lwezifiso.
Uzothola amanani amabili ukuze uqonde ukuthi kuthiwani ngemali ekhokhwa njalo ngenyanga okwaziyo ukwenza imali ebanjiswayo. Njengoba sishilo ngenhla, imalimboleko enjalo ivame ukuthathwa iminyaka engu-10 - 15, futhi uma ukuphela kuhlangana kuyo yonke le minyaka, ngeke kube yimpilo, kodwa kuhlukunyezwa. Qinisa ibhande kungcono kuphela ngezikhathi ezithile.
Kepha akwanele ukubala isabelomali sakho ephepheni. Kuyadingeka ukuyivivinya ekusebenzeni. I-SAT ne-minimal, kanye nesabelomali esinethezekile izinyanga ezimbalwa. Futhi zama ukuhlehlisa imali esele yezimali ohlose ukwaba imali yokukhokha imalimboleko yempahla ebanjiswayo, kwi-akhawunti engenangqondo ebhange, ukuzwa lokho okuphila ngaphandle kwale mali. Ngasikhathi sinye, egameni lokuqala lokuqongelela.
Imvamisa amabhange abuzwa umnikelo wokuqala wama-20% wezindleko zezindlu. Isibonelo, uma ufuna ukuthenga ifulethi izigidi ezi-5, umnikelo wokuqala kufanele okungenani ube ngama-ruble ayizinkulungwane ezingama-500.
Ngaphezu kwalokho, lapho umnikelo wokuqala, okuncane kuzofanela kuthathwe esikweletini ngasebhange. Ngokuvumelana nalokhu, uzoba ngaphansi kwesilinganiso senzalo kwimalimboleko nenkathi yesikweletu.
Yikuphi indawo yokuhlala ofuna ukuba nakho futhi yini ongathembela kuyo?Yenza uhlu lwalezo zinqubo ozokhetha kuzo izindlu. Isibonelo, udinga indlu enkabeni, esakhiweni esisha, egumbini elinamagumbi amathathu, hhayi ngaphansi kwamamitha skwele angama-90, ngokulungiswa. Futhi, engeza kulolu hlu lwezindleko zokuqukethwe kwezindlu, ukulungisa nokuthengwa kwefenisha. Uzothola izindleko zangempela zefulethi lamaphupho.
Futhi manje kunqunywa ukuthi yiziphi izindlu ongazikhokhela. Kukhungathekile kusuka ohlwini lwezindlela zawo maphuzu abonakala kuwe abaluleke kakhulu uma uqhathanisa nokuphumula futhi okunganciphisa izindleko zefulethi elitholakala kuwe.
Ingabe unayo isitoko esibonakalayo?Noma yini epholile futhi enokwethenjelwa umsebenzi wakho okungenzeka ukuze uhlale ngaphandle kwakhe. Ukuze ukwazi ukuthola umsebenzi omusha ngaphandle kwe-paranoia nokujaha ngokweqile ukubheka umsebenzi omusha, kubalulekile ukuba nesitoko ozoba nakho ngokwanele isikhathi sokukhokha isikhathi sokukhokha kanye nokuphila. Ngokufanele - izinyanga ezintathu. Ngaphandle kwale ndawo, ochwepheshe abakuceli ukuthi uthathe imali ebanjiswayo.
Kuya ngalokhu, noma ngabe udinga ifulethi elikhudlwana esikhathini esizayo esiseduze, nokuthi wena nomyeni wakho nizokhokha kanjani kanzima lapho usekhefini lakho lokunakekela izingane.
Kepha ingane akuyona izindleko kuphela. Manje ekuzalweni kwengane yokuqala, uMbuso unikeza imali yokubeletha, engachithwa ekubuyiselweni kwemali ebanjiswayo.
Yiluphi usizo oluvela kuhulumeni ongaluthola?Ukukhokhiswa okunethezekile kwempahla ebanjiswayo, uMbuso unikeza izinzuzo eziningi. Muva nje, uhlelo lokubolekisa olubekiwe lwaqala ukusebenza. Inani lenzalo lemalimboleko lincishiswa libe ngama-6%, futhi amabhange amaningi asevele esebenza nalolu hlelo. Kuliqiniso, kufakwa umkhawulo wemali ekuthengweni kwezindlu enhlokodolobha kanye nezinye izifunda zezwe.
Ngaphezu kwalokho, kuhlinzekwa izinzuzo ezahlukahlukene nemindeni emincane (lapho umlingani engazange avule khona iminyaka engama-35), imindeni emikhulu nemindeni eholanayo. Ekugcineni, vele ngokuthengwa kwezindlu, ungenza ukuncishiswa kwentela ama-ruble ayizigidi ezintathu.