Kukho abantu abaninzi abathatha isigqibo, xa ixesha lomhlalaphantsi lifika, ukulibazisa. Kusenokuba kungenxa yokuba imali yomhlalaphantsi abayishiyileyo ayanelanga, kuba baziva bekwazi ukuqhubeka nokusebenza yaye befuna ukwenjenjalo, okanye izizathu eziliwaka nezinye. Kodwa ngaba uyazi ukuba zeziphi iingenelo kunye nezingeloncedo zokulibazisa umhlala-phantsi?
Ngezantsi sifuna ukuba nenjongo kwaye sikwazise ukuba yintoni inzuzo kunye neengxaki zokulibazisa iminyaka yokuthatha umhlalaphantsi, kuba nangona isenokubonakala ngathi licebo elilungileyo, ngamanye amaxesha akunjalo.
Izinto eziluncedo zokulibazisa umhlalaphantsi
Zininzi izizathu ezibangela ukuba abantu, naxa befikelela kwiminyaka yomhlalaphantsi, bagqibe ekubeni baqhubeke nokusebenza. Ngamanye amaxesha kusenokuba kungenxa yokuba bewuthanda kakhulu umsebenzi wabo kangangokuba abafuni ukuwushiya “ngobusuku obunye”, ngelixa abanye bekhangela uphuculo lomhlalaphantsi, okanye bafuna nje ukuqhubeka kuba kungenjalo bebengayi kuba nanto yakwenza.
Yiba njalo nokuba sisiphi na isizathu, kukho iingenelo ezithile zokulibazisa umhlala-phantsi. Baphakathi kwabo:
ibhonasi yomhlalaphantsi
Kunyaka ngamnye kusetyenzwa ngaphaya kweminyaka yomhlalaphantsi uya kuba nokuphucuka kumhlalaphantsi wakho. Ngokucacileyo ayinkulu kakhulu, kodwa ngamanye amaxesha ifanelekile.
Ngokubanzi, ukuphucuka kuphakathi kwe-2 ne-4% ngonyaka ukuba ihlala isebenza kwaye iya kuhlala isetyenziswa kwisiseko solawulo.
Nangona kunjalo, into abangayaziyo kukuba akwanelanga ukufikelela kwiminyaka yokuthatha umhlalaphantsi kwaye yiloo nto. Kodwa Kufuneka uhlangabezane neemfuno ezithile ukuze ufumane olu phuculo. Eyiphi? Ezilandelayo:
- Yiba nobuncinci beminyaka engama-25 yegalelo xa ufikelela kwiminyaka yokuthatha umhlala-phantsi. Ngale nto, ukuba uyaqhubeka nokusebenza, uya kufumana i-2% ngaphezulu ngonyaka kwingqesho esebenzayo.
- Ukuba usebenze ukusuka kwi-25 ukuya kwi-37 iminyaka, ngoko uphuculo yi-2,75%.
- Kwimeko yokuba ngaphezu kweminyaka engama-37 yeminikelo, uphuculo luya kuba yi-4%.
Yandisa ixesha lomnikelo
Enye inzuzo inento yokwenza nokugqibezela umhlalaphantsi nge-100%. Oko kukuthi, ukuba ngokuhlala iminyaka embalwa kukuvumela ukuba ube ne-100% yomhlalaphantsi ngexesha lokuthatha umhlalaphantsi, iya kuxabisa kakhulu.
Esi sesinye sezizathu zokuba abanye bahlale ixesha elide.
Gcina amandla okuthenga
Ngenxa yokuba, kunye nomhlalaphantsi, amandla okuthenga ancitshisiwe kodwa, kule meko, ngokuhlala usebenza ungaqhubeka nokugcina kwaye kwangaxeshanye usondele kuloo mandla ngokunyuka komhlalaphantsi.
Ukuziva uluncedo
Oku kuqhelekile kubantu abaninzi. Kwaye kukuba, xa umhlala-phantsi ufika, ukuba "basebenza ubomi babo bonke", baziva bengento yanto, yaye kuyinto eqhelekileyo ukuba badandatheke okanye baphulukane nomzimba wabo ngokuhamba kancinci. Ngoko ke, kule meko, bekuya kubakho ukuphucuka kwimpilo yomzimba neyeemvakalelo.
Yenzelwe oko kucetyiswa ukuba ufune umsebenzi wokuzilibazisa njengoko iminyaka yomhlalaphantsi isondela, ngale ndlela unokuziva uluncedo kwaye ukhuthazwa ukuba wenze izinto ozithandayo kwaye ube nexesha elingakumbi lokuzinikezela kuyo.
Imiqobo yokulibazisa umhlalaphantsi
Njengoko ubona, zininzi iingenelo zokulibazisa umhlalaphantsi. Kodwa ayizizo zonke izinto ezilungileyo nge-100%. Kukwakho necala elimnyama lokuqhubeka nokusebenza emva kokufikelela kwiminyaka yomhlalaphantsi.
Awuyi kukwazi ukonwabela umhlalaphantsi
Khawucinge ukuba uthatha umhlala-phantsi endaweni yokuba ufikelele kwiminyaka engama-75 yobudala. Ngaloo minyaka, maninzi amathuba okuba ubandezeleke zizigulo kunye neengxaki zomzimba ngenxa yokunxiba kunye nokukrazula emzimbeni. Oku kuthetha ukuba awuyi kukwazi ukonwabela ngokupheleleyo umhlala-phantsi wakho, nokuba kungenxa yokuba unxilile, kuba kukho izigulo, njl.
Ngamanye amazwi, iminyaka oqhubeka usebenzela "ikamva elingcono" iba "likamva lexesha elifutshane" kwaye usenokungakwazi ukonwabela iziqhamo zomzamo wakho ngenxa yokuba awusayi kuba nanto ingako iseleyo.
Kukho inani eliphezulu
Uthini kum xa ndikuxelela ukuba, nokuba ungaqhubeka nokusebenza iminyaka engama-20, awuzukufumana ngaphezulu kwekepusi? Ukuba oku kwi-3000 ye-euro yomhlalaphantsiNokuba ungasebenza iminyaka emingaphi, ucinga ukuyiphucula, awuzukuphumelela kuba eyona mali iphezulu ilinganiselwe.
Ngamanye amazwi, Akukhathaliseki nokuba mingaphi iminyaka uqhubeka nokusebenza ukuba sele ufikelele kumda wobudala obuthile setha.
Imiba yokuhlaziya imisebenzi
Ukuba umntu uyaqhubeka nokusebenza ngaphaya kweminyaka yomhlalaphantsi ekuphela kwento ephunyezwayo koku kukuba abantu abatsha abanako ukufikelela kweso sikhundla kuba sihleli kwaye inkampani ayifuni kutshintshwa. Kuyinyani ukuba bayaqhubeka nokucaphula kunye negalelo kwinkqubo, kodwa abantu abatsha bakufumanisa kunzima ukufikelela kwimarike yabasebenzi kwaye ngabo abaya kugcina imali yomhlalaphantsi yabantu abadala kwixesha elizayo. Ukuba abanamsebenzi abafaki galelo kwaye, ngoko ke, imali yomhlalaphantsi ingaba sengozini.
iingxaki ukusebenza
Kule meko asibhekiseli kwiingxaki zempilo, kodwa kwinto yokuba abantu abakhulileyo banobunzima obungakumbi bokufumana umsebenzi ngenxa yemiqobo ebekwe kwiminyaka ethile (ngokuqhelekileyo emva kweminyaka engama-55).
Ngezinto ezininzi ezintle kunye neengxaki zokulibazisa umhlalaphantsi, yintoni engcono?
Enyanisweni akukho mpendulo icacileyo kulo mba. Asinakukuxelela ukuba kungcono ukulibazisa okanye akunjalo kuba kuya kuxhomekeka, ubukhulu becala, kwimeko yakho yobuqu.
Kwi-Intanethi unokufumana iikhaltyhuleyitha ezikunika umzobo oqikelelweyo ukuba umntu uthatha umhlala-phantsi kwiminyaka esemthethweni okanye ukuba le meko yandiswa ixesha elide. Oku kunokukunika umbono wento onokuthi uyiphumelele.
Nangona kunjalo, Kananjalo kufuneka uluthathele ingqalelo uhlobo lomsebenzi owenzayo kunye nokuguga nto leyo enokuthetha ukuba umzimba usasebenza.
Isincomo sethu kukuba, ukuba ukule meko, faka izibonelelo kwikholamu enye kunye nezithintelo kwenye. Zilinganise kwaye ukhethe ezona zikulungeleyo.
Ngaba uyazazi izinto eziluncedo nezingeloncedo zokulibazisa umhlala-phantsi?