Lona kanye igama elithi Isikweletu livusa umuzwa ongavamile oxubene nokwesaba kwabaningi bethu. Umjikelezo oqhubekayo wezikweletu ungakufaka enkingeni yangempela. Kungakhipha kuwe ukuthula kwengqondo nokuphila kahle.
Ngokudabukisayo, iningi lethu alikwazi ukubambisana nezingibe zezikweletu futhi abanye baze bathathe izinyathelo ezinqala lapho bengakwazi ukubekezelela umjikelezo wezikweletu oqhubekayo.
Kodwa ake sikuqonde lokhu. Isikweletu ngokwaso asisibi njengoba sisenza kuso. Abantu bathatha izikweletu ukuze bashade nezingane zabo. Sivame ukuthatha izikweletu zendlu kanye nezikweletu zezifundo eziphakeme.
Isikweletu singasindisa impilo uma sisetshenziselwa izinjongo ezinjengokukhokha izikweletu zokuhlinzwa kanye nezikweletu zikadokotela.
Ngakho akusona isikweletu sona ngokwaso esiwugibe, wukungakwazi ukukhokha isikweletu ngesikhathi esibi.
Kungani Kunzima Ukukhokhela Abantu abaningi Isikweletu?
Manje umbuzo uthi, yini eyenza kube nzima ukukhokha isikweletu? Kungani abantu abaningi kangaka behlala beboshelwe ezikweletini iminyaka neminyaka ndawonye?
Yiqiniso, uma sikhuluma ngokukhokhwa kwesikweletu, inani lesikweletu esisitholile kanye neholo lethu kuyizindaba ezingathi sína okufanele zicatshangelwe. Ake ngichaze ngesibonelo.
Ake sithi ubunesimo esiphuthumayo sezokwelapha, futhi bekufanele uboleke imali yama-Rs 5 lacs. Abanye ubaboleke ezihlotsheni, abanye ebhange, abanye ngokubambisa ngempahla noma impahla efana negolide.
Manje, imali yakho engenayo ngenyanga ingu-Rs. 60,000, futhi unquma ukunciphisa ezinye izindleko nyanga zonke ukuze ukhokhe isikweletu. Amathuba okuthi uzobe ungenaso isikweletu eminyakeni embalwa uma uvumelana nokukhokha isikweletu.
Kodwa ake sicabangele inani elifanayo lesikweletu nemali engenayo engu-Rs. 20,000 ngenyanga. Ukukhokha isikweletu ngemali encane yanyanga zonke kuba nzima kakhulu.
Manje, ngizokutshela ukuthi ungazikhokha kanjani izikweletu zakho uma uneholo elincane.
Futhi kungani kufanele ulalele izindlela zami zokukhokha izikweletu?
Lezi zindlela zonke zizanyiwe futhi zahlolwa engangizisebenzisa ukukhokha izikweletu zami ezingaphezu kwama-lacs angu-2, futhi lokho nakho esikhathini esingangonyaka, kanye neholo eliphansi elizinzile.
Kuthuswe?
Uyangabaza?
Hhayi-ke, funda ukuze ufunde ukuthi ungasikhokha kanjani isikweletu ngokushesha ngeholo elincane, futhi ngaphandle kokubeka engcupheni impilo yakho yengqondo ngokwenza kanjalo.
Hlaziya isimo sezikweletu
Isinyathelo sokuqala ukuthatha ngesinye isikhathi, uhlale nepeni nephepha kanye nesibali bese uhlaziya ukuthi ukungakanani ekujuleni**t okukuyo ngokuthatha leyo malimboleko.
Bala amanani enzalo kanye nenani elishiwo okudingeka ulikhokhe nyanga zonke noma ngekota.
Bese uthola izimpendulo zemibuzo elandelayo ngokubhekisela kumaphepha akho emalimboleko (yemalimboleko ethathwe ezikhungweni zezimali) :
- Uma nginendawo yokukhokha imali ebolekiwe ngokushesha ingabe ibhange/isikhungo sezezimali sizokwamukela noma banaso i-ajenda efihliwe yokuqhubeka nokuthatha inzalo?
- Ingabe izinga lami lenzalo lizoshintsha uma ngenza inkokhelo enkulu njalo ngenyanga?
- Ngingasinciphisa kanjani isikhathi sokukhokha imali mboleko ngaphandle kokufaka izindleko ezengeziwe?
Masiqonde ukuthi inhloso yethu yokubuza le mibuzo iyodwa kuphela - sifuna ukukhokha isikweletu ngokushesha ngangokunokwenzeka.
Izikhungo zezezimali zivame ukuba ne-ajenda efihlekile lapho zikhokhisa khona amanani enzalo aphezulu engxenyeni yokukhokha noma izinkokhelo ezinkulu zesikhathi esisodwa. Bheka futhi izindleko ezifihliwe.
Thola omele isikhungo sezezimali ukuze asule imibuzo yakho mayelana nokukhokhwa kwezikweletu.
Yonke into emhlabeni namuhla iyaguquguquka okuhlanganisa imali engenayo kanye nekhono lokuhola. Kungcono ukuhlinzeka ngezinkokhelo zezikweletu ngokushesha ngangokunokwenzeka ezikhathini ezinjalo eziguqukayo.
Ukuncishiswa Kwezindleko Ezindlekweni Ezidingekayo Zanyanga Zonke
Manje, lokhu kunzima. Izidingo zethu zanyanga zonke yilezo lapho ukwehlisa izindleko kungathinta khona ngqo izinga lokuphila. Kodwa akunakwenzeka ukwenza wonge imali ethile ezindlekweni ezihlobene nezidingo zethu eziyisisekelo.
Ungakuqaphela kancane ukusebenzisa kwakho ugesi negesi. Okuncane kuhamba ibanga elide. Ungakwazi futhi ukuqaphela ukumosha izinto ezimbalwa zokudla. Lapho simosha kancane, sifuna okuncane.
Futhi, zama ukubona ukuthi ungakwazi yini ukunciphisa izindleko zokuthutha ngandlela-thile. Esikhundleni sokuvuka sekwephuzile bese ugibela itekisi ukuya emsebenzini, ungavuka kusesekuseni uthathe izithuthi zomphakathi.
Izwi lesexwayiso: Ungeqisi bese uzama ukuminyanisa ukonga kuzo zonke izindleko eziyisisekelo. Ukonga kusuka izindleko zenyanga ingasisiza ukuthi sikhokhe imali ebolekiwe ngokushesha kodwa ngeke kube ukuphela kwendlela yokonga engasiza ekukhokheleni isikweletu.
Yehlisa Izindleko Ezingadingekile
Ngezinye izikhathi, singanakile, siqhubeka sikhokha noma sithenga izinto eziningi esingazidingi noma esingazisebenzisi.
Isibonelo, ungase ube noxhumo lwekhebula ekhaya, kodwa awusitholi isikhathi sokubuka i-TV. Uma udinga ukwazi mayelana nesiqephu sezindaba, i-YouTube iyindawo oya kuyo. Ezimweni ezinjalo, ungakwazi ukuvalelisa ngokunethezeka ezindlekweni zekhebula zenyanga.
Hlola, yiziphi izindleko zakho ezingadingekile? Ingabe lokho kubhaliswa kweNetflix? Noma uhambo olungadingekile lokuya salon? Mhlawumbe, ukulutheka kukagwayi okukubiza izinkulungwane (ingasaphathwa eyomphumela empilweni yakho)?
Ingabe uthenga nge-tiffin ngaphandle esikhundleni sokuyisa ukudla okwenziwe ekhaya ehhovisi?
Khomba izindleko zakho ezingadingekile, futhi wehlise lezo. Ungabe ususebenzisa amanani alondoloziwe ekukhokheleni isikweletu. Ngokwesilinganiso, ungonga cishe ama-Rs. 800–2000+ ngokusika nje izindleko ezingadingekile.
U-20% womholo wakho Wokukhokha Isikweletu
Umthetho odumile wama-50-30-20 ucacisa ukuthi kufanele ugcine u-20% wemali yakho engenayo yangemva kwentela ukuze ukhokhe isikweletu. Lona umthetho omuhle kakhulu okufanele ucatshangelwe ngenkathi uthatha isikweletu ezikhungweni zezezimali ezinesikweletu sanyanga zonke+ nomjikelezo wokukhokha inzalo.
Uma iholo lakho lanyanga zonke lingama-Rs. 20,000 ngemuva kokudonswa kweNtela ne-PF, kufanele ukhokhe u-20% wama-Rs. 20,000 okungukuthi ama-Rs. 2000 ngokushesha ukuze ukhokhe isikweletu njalo ngenyanga.
Thumela Izimfuno Zakho
Lapho sinesikweletu, ukugxila kwethu okuyinhloko kufanele kube ekukhokheleni isikweletu.
Ukuhlehliswa kwezinto ezifunwayo kungasiza ekukhokheleni ngokushesha.
Yisho ukuthi isiqandisi sakho sidala, futhi uhlela ukusithenga. Ukuhlehlisa lokho ngezikhathi zokungena izikweletu.
Uma usesikweletini, yenza isiqubulo esithi “recycle-reuse-reduce” isiqubulo sakho. Izinto eziningi ozibona zibalulekile zingahlehliselwa isikhathi lapho ungakweleti muntu imali.
Yehlisa Imikhosi
Sekuyiminyaka ugubha usuku lwakho lokuzalwa, izinsuku zokuzalwa zomngane wakho womshado kanye nezingane, ngezinye izikhathi ngisho nangaphezu kwamandla akho. Umeme abantu wabaphakela ngentokozo enkulu.
Kodwa izinto sezishintshile kancane, manje usezikweletini. Yekani ukuhlela imigubho manje. Ungakwenza lokho ngokuhamba kwesikhathi lapho ungenayo izikweletu.
Sivame ukuba nemizwelo ngokungakwazi ukwabelana nabanye ngenjabulo yethu. Uma kuwusuku lokuzalwa lwengane yakho, ufuna ezinye izingane ezingu-10 nemindeni yazo zize zizojabulela.
Kodwa cabanga ngalokhu - yonke imikhosi iyingcindezi eyengeziwe ezindlekweni. Uma ukwazi ukonga imali ngokugubha ngokuzithoba, ungakwazi ukukhokha isikweletu sakho ngokushesha, futhi uqale ukuhlela umgubho omkhulu ngonyaka olandelayo noma olandelayo kuya onyakeni olandelayo!
Ngakho yehlisa imikhosi ephindaphindayo noma uyisebenzise ngezindlela ezilula. Beka phambili ukukhokha isikweletu ngaphezu kobukhazikhazi nombukiso.
Ukuhlehlisa Izinhlelo Zokuvakasha
Ngokwami, ngizwa ukuthi amaholide afana namakha aphambili. Uma uthenga isiqholo esibizayo, uyasigcoba, unuke kamnandi, uzizwe kahle. Kodwa liyahwamuka ngemva kwamahora ambalwa.
Amaholide anjalo. Amaholide amahle ukuvuselela. Nokho ngitshele, ungakwazi ngempela ukuvuseleleka ngomthwalo wezezimali kuwe?
Iholide liba ukuphunyuka ngaleso sikhathi, futhi ukubaleka akukaze kube yisixazululo kunoma iyiphi inkinga, kuhlanganisa nezinkinga zezimali.
Ngakho-ke hlehlisa ukuya eGoa, eManali, noma ogwini lwasendaweni oluqhele ngamakhilomitha ayikhulu. Esikhundleni salokho, sebenzisa imali yakho yeholide ukuze ukhokhe isikweletu, futhi uthole ukuthula kwengqondo okuphakeme kunokuba ukubukela amagagasi olwandle bekungakunikeza.
Thola i-Side Hustle
Lena enye yezindlela ezingenangqondo neziqinile zokunqoba izikweletu ngokushesha, futhi ngaphandle kokuthikameze indlela yakho yokuphila yamanje.
Njengoba nje ungaceba ngokuhola hhayi nje ngokonga, ungathola ukukhululeka kwezikweletu ngokushesha ngokuzibandakanya egiyeni eseceleni
- uyakukhokhela
- ingeza olwazini lwakho
- ikugcina uhlanganyele futhi ungakhathazeki
- igcwalisa uthando lwakho lomsebenzi wokudala
Ngisho noma uzitholele itoho, ungakwazi kalula ukwenza ama-rupees ayizinkulungwane ezimbalwa ngenyanga ngokusebenza ngezimpelasonto nangesikhathi sakho esikhululekile ngemva komsebenzi.
I-side gig noma itoho lingasiza kakhulu ekukhokheleni isikweletu. Lena kube yindlela eyinhloko engingakwazi ngayo ukukhokha imali ebolekiwe ngokushesha ngaphandle kokuba nomthelela omkhulu endleleni yami yokuphila yamanje.
Futhi uma ngikwazi, nawe ungakwenza. Bheka lawa ma-gigs amahle ongawathatha. Sikhethe imisebenzi engu-7 engenzeka kakhulu ongayithatha ngemva komsebenzi. Lifunde ukuze wazi ukuthi yiliphi ikhono elikufanele kakhulu, nokuthi ungalifunda kuphi futhi uqale ukuhola.
Ungakhathazeki – Isikweletu sakho naso sizodlula!
Ngokufanelekile, lesi bekufanele kube iseluleko sokuqala esisebenzayo esivela kimi, kodwa bengifuna ukuqala ngenothi elisebenzayo.
Kunesisho sesiNtaliyane esidume kakhulu engisithanda kakhulu; ithi, “ “Izinqola eziyikhulu zemicabango ngeke zikhokhe nelilodwa lesikweletu.”
Isikhathi esiningi sithatha ukukhathazeka njengelungelo lokuzalwa. Sithola izinto esingazikhathaza ngazo lapho zingekho. Futhi uma sinesikweletu okufanele sikhathazeke ngaso, sikuthola kulula ukuba nokukhathazeka okungapheli.
Kodwa okudingeka sibe yiqhawe lokulwa nokukhathazeka, ikakhulukazi mayelana nezikweletu. Uma sibeka izingqondo zethu ekukhathazekeni nasekucabangeni ngokuthi yonke imali izovelaphi, siyolahlekelwa amathuba esiwanikezwa ukuphila njengezixazululo zezinkinga zethu.
Zigcine upholile, futhi ubheke enye imali engenayo ngenkathi wonga enye eholweni lakho. Ukungaguquguquki ekukhokheni nyanga zonke kuyisihluthulelo sokukhokha izikweletu ngempumelelo. Indlela engcono kakhulu namanje ukugwema izikweletu.
Qala izimali, qala ukonga kusukela esemncane, futhi uhlale uphephile ebuhlanya bokusebenzisa abathengi; ngeke uphinde ube nesikweletu!
Walulama kanjani esikweletini sakho? Sazise.
shiya impendulo