Ngokuqinisekileyo ngaphezu kwesinye kuye kwafuneka wolule umvuzo wakho ukukwazi ukuphila kunye nokutya kwifriji yakho. Okanye kufuneka uxelele abahlobo bakho ukuba ubugula ngelixa eneneni ubungenako ukuhlawulela amatikiti aloo konsathi bebefuna ukuya kuyo. Oku iyinyani kubo bonke abantu kunye neentsapho kwaye inxulumene noqoqosho lwasekhaya. Kodwa yintoni kanye kanye?
Ukuba awukwazi ukuba yintoni uqoqosho lwasekhaya, zeziphi iimpawu zalo, yintoni ebandakanya okanye indlela yokuphucula ngayo, ngokuqinisekileyo apha uya kufumana lonke ulwazi oludingayo.
Yintoni uqoqosho lwasekhaya
Uqoqosho lwasekhaya, olukwabizwa ngokuba luqoqosho lwentsapho, lubhekisa kwi iindleko, ingeniso, ugcino notyalo-mali olwenzeka kwindawo encinci eyaziwayo, njengeentsapho (kunye namalungu elinye okanye ngaphezulu).
Ngamanye amazwi, sinokuthi lulawulo lwezoqoqosho lwekhaya nosapho, ngendlela yokuba ngohlahlo lwabiwo-mali kube lula ukujongana neendleko ezahlukeneyo, ukusetyenziswa, ukonga, utyalo-mali kunye neminqweno enokubakho.
Umzekelo woqoqosho lwasekhaya oluqondwa ngumntu wonke, ngaphandle kwamathandabuzo, ukuthengwa kweveki. Uhlahlo lwabiwo-mali lwabelwa kwingeniso efunyanwa ukuze kuthengwe ukutya. Ngendlela yokuba ukuba sidlula, kufuneka sinciphise iindleko kwenye indawo ukuze sihlawule.
El Injongo yoqoqosho lwangaphakathi asiyonto enye ngaphandle kokufezekisa, ngokusekelwe kwingeniso ubani anayo, ukuhlangabezana neemfuno zelungu ngalinye. ngokutya, isondlo, impahla nezihlangu, impilo, izindlu, njl.
Oku akuweleli kuphela kumntu ofumana imali, kodwa nakubani na olawulayo (onokuba ngumntu ofanayo okanye omnye). Ukwenza oku, kufuneka usebenzise izixhobo kwaye ulawule ngendlela yokuba unokwanelisa wonke umntu kwaye ungaphumi kuloo "bhajethi", into ethi, ngamanye amaxesha, ingaba nzima kakhulu.
Yintoni ebonisa uqoqosho lwasekhaya
Ngoku ukuba uyazi ukuba yintoni uqoqosho lwasekhaya, ukufumanisa ukuba zeziphi iimpawu eziphambili kuyo akukho nzima. Kule meko sithetha ngayo:
- Ijoliswe kuphela kumakhaya nakwiintsapho. Oku akuthethi ukuba ukuba akukho ntsapho ayisebenzi; eneneni, ikhaya linokuba lelomntu omnye.
- Isekelwe ekulawuleni uhlahlo lwabiwo-mali ukwazi ukwahlula ingeniso kwiindleko ezahlukeneyo, ugcino notyalo-mali onalo.
- Ivumela ukwazi ukuba zeziphi iindleko kunye namatyala umntu okanye usapho onalo kunye nokubeka izixhobo zokuzama ukuzinciphisa ukuphucula uqoqosho.
Kutheni ibaluleke kangaka
Uqoqosho lwasekhaya lubaluleke kakhulu, kwaye enyanisweni lulwazi olufanele ukufundiswa kwasebuntwaneni. Caba unomntwana osoloko ekucela izinto. Kwaye uzithenga kuba ufuna ukuba ngutata okanye umama olungileyo. Ingxaki kukuba, njengoko ekhula, ucela izinto ezixabisa kakhulu, kwaye xa ungakwazi ukonelisa loo “whim”, abantwana abasiqondi isizathu kuba ubusoloko ubanika le nto bebeyifuna.
Kwelinye icala, ukuba unika loo mntwana “intlawulo” uze umcele ukuba, ngaloo mali, ayisebenzise aze athenge oko akufunayo kodwa ngaphandle kokuba nemali engakumbi de kube yiveki elandelayo, uya kube umnceda ukuba athenge into ayifunayo. bona ukubaluleka kokuchitha wedwa kwizinto eziyimfuneko neziyimfuneko, hayi kwi-whims, kwaye uya kufezekisa ulawulo olungcono.
Oko kukubaluleka koqoqosho lwasekhaya. Ikuvumela funda ukulawula ingeniso onayo ukuze uhlawule iindleko kwaye wonge. Kwaye, ukuba ihleli, ukwazi ukuzinika i-whim engaqhelekanga okanye ukuyityala kwishishini. Kodwa ukuba ubungayazi indlela yokuyilawula, nje ukuba uyifumene imali ubuya kuyisebenzisa kwaye ungene ematyaleni kangangokuba ungakwazi ukuhlangabezana neendleko zakho.
Kweziphi iindawo uqoqosho lwangaphakathi 'lusebenza'
Kuqoqosho lwentsapho, kubaluleke kakhulu ukuba kuthathelwe ingqalelo ukuba ayikona nje ukujongana nengeniso (uhlahlo lwabiwo-mali onayo) kunye neendleko, kodwa ukuba ilawula amacandelo okanye iindawo ezahlukeneyo, njengale:
- Iindleko. Ngokubanzi kakhulu, kuba banokuvela kwi-mortgage okanye irenti yendlu okanye igaraji, ukuhamba, iimpahla, i-inshurensi, njl.
- Ukusetyenziswa. Kugxilwe kwezo ndleko zibalulekileyo: umbane, amanzi, ukutya ...
- Utyalomali. Lo mmandla ugxile kwinto umntu afuna ukuyityala kwinxalenye yemali yakhe, umzekelo kwingxowa-mali yomhlalaphantsi.
- Ukulondoloza. Inxalenye yaloo ngeniso igcinwayo xa kuvela iziganeko ezingalindelekanga.
Indlela yokuphucula uqoqosho lwasekhaya
Khawucinge ukuba unomvuzo we-euro ezili-1000. Kwaye, xa ubeka ingeniso (ezo 1000 euro) kunye neendleko etafileni, ufumanisa ukuba, ekugqibeleni, une-1500 ye-euro. Oko kukuthi, uchitha ngaphezulu kunomvuzo wakho.
Ukuba ugcinile, ngokomgaqo akukho nto eyenzekayo kwaye ungayilungisa. Kodwa, ukuba oku akunjalo, kwaye kuqhelekile, ubomvu kwaye, ukuba le nkcitho egqithisileyo ayinqunywanga, unokugqiba ukulahlekelwa yindlu yakho, imoto okanye ugwetywe ngokungahlawuli.
Ngoko ukwazi indlela yokuphucula uqoqosho lwasekhaya ihamba ngemfundo yezemali Abasiniki le ojongene nayo, ngamanye amaxesha, ngendlela enzima.
Indlela yokuphepha ngayo? Ngala macebiso:
Soloko usenza amanqakwana
Ekuqaleni kwenyanga kufuneka bhala amanqaku ukuze wazi ingeniso onayo kunye neendleko onazo. Kuyinyani ukuba ezinye ziya kulungiswa kwaye ezinye ziya kuxhomekeka kwindlela ehamba ngayo inyanga, kodwa ngenxa yeso sizathu kufuneka wazi ukuba kufuneka uchithe ntoni kwaye uchithe ntoni.
Ngale ndlela uya kuzama ukunamathela kuhlahlo lwabiwo-mali onalo. Akukho Okuninzi.
Gcina nyanga zonke
Nokuba ubuncinci, kodwa kubalulekile ukuba gcina inxalenye yaloo ngeniso unayo kuyo nantoni na enokuthi ivele (ingozi, umsebenzi wokwenza, ukuthenga imoto ...).
Ngokomgaqo wezoqoqosho, kufuneka soloko ugcina i-20% yomvuzo wakho, kushiya ama-50 kwiindleko ezimiselweyo kunye nama-30 kwezo zivela enyangeni. Kodwa ukuba akukho nto iphumayo, loo mali nayo kufuneka iye kwi-savings, ukuba ayinjalo yonke, ubuncinci bayo.
Zibekele iinjongo zogcino
Njengoko siyazi ukuba kunzima kakhulu ukulondoloza, ngakumbi ngokunyuka kwamaxabiso kwaye yonke into ibiza kakhulu ngaphandle kokunyuka kwengeniso encinci, ukubeka iinjongo zokulondoloza ezincinci kunceda ukukhuthaza lo msebenzi.
Kwaye oko Xa uhlangabezana nenjongo, umzekelo ukugcina i-euro ye-1000, ikhuthaza ukuba ubuyele kwinjongo ephezulu. Kwaye xa ubona ibhalansi elungileyo kwiakhawunti yakho kwaye iya isiba nkulu kwaye ibe nkulu, into oyifunayo kukugcina unyusa.
Oku akuthethi ukuba kufuneka "ubambelele" kwaye ungakonwabeli oko ukufumeneyo ekusebenzeni, kodwa kuthetha ukuba une "ntloko" kwaye ugcine imali eyaneleyo yosapho onalo. Kuba yintoni enokwenzeka.
Uqoqosho lwasekhaya alunzima, kufuneka nje uluqhube ngendlela ecwangcisiweyo necwangcisiweyo ukuphepha iingxaki.