Ukuba ucinga ngokufudukela kwikhaya elitsha, unokuba ucinga ngokuthenga ifanitshala, kodwa awazi ukuba kufuneka uyithenge ngexabiso eliphantsi okanye ngexabiso eliphantsi, ngcono okanye ngomgangatho ombi ... kuyinto eqhelekileyo, sonke sinayo le nto maxa wambi, kodwa Kufuneka uthathe izinto ngaphambi kokuthatha isigqibo (okanye hayi) ukuthenga ifenitshala enexabiso eliphantsi.
Usenokucinga ngokuya kwiivenkile zexabiso eliphantsi ezahlukileyo, zexabiso eliphantsi, uhlobo olwenziwe ngezinto ezingabizi kakhulu, ezibonakala zilungile kwaye ukongeza ekubeni unentlobo ngeentlobo zoyilo ungonga imali ... ayibonakali ngathi umbono ombi, kwaye ayifanelanga ukuba njalo. Kukho abo bacinga ukuba eyona ndlela ilungileyo kukuya kwivenkile yefenitshala ebiza kakhulu ukwazi ukonwabela ifanitshala ixesha elide, kodwa oku akufuneki kube njalo kwaye kungaphantsi nokuba uyayazi indlela yokukhathalela izinto ozifumanele ikhaya lakho.
Kodwa ukuze ufumane okona kulungileyo kwimali oyityalileyo kwifenitshala yakho entsha, kungcono ukuba uthathele ingqalelo ezinye zezinto, ke unokuthatha isigqibo sokuba ukhetha ukuchitha imali yakho kwifenitshala enexabiso eliphantsi okanye ukuba uthatha isigqibo sokutyala imali kancinci ... unokwenza izigqibo zakho.
Cwangcisa indawo yakho
Ngaphambi kokuba uqale ukuchitha imali yakho, eyona nto unokuyenza kukucwangcisa indawo onayo ekhayeni lakho kwaye, ngaphezu kwako konke, yazi eyona nto uyifunayo ukuze ikhaya lakho libonelelwe kwaye lihonjiswe kakuhle. Kungabonakala ngathi le yinto eqhelekileyo, kwaye kunjalo, ke kuyimfuneko ukuba ungalahli eli nqaku njengesiqalo. Kuya kufuneka ucinge ngendawo ngqo onayo esofeni, ukuba ufuna ukongeza izitulo okanye iisofa ezimbini, ukuba kwigumbi lakho lokulala ufuna isinxibo okanye iitafile ezimbini ezincinci, njl. Cinga ngegumbi ngalinye kunye nefenitshala enokuhamba ngcono kwelinye nelinye.
Zoba ukuhlala kwakho
Ingcebiso enkulu kukucinga malunga nenqaku langaphambili ngephepha nepensile esandleni, ukuze uzobe into ofuna ukuyifaka kumagumbi akho kwaye ube nakho ukufumana umbono wokuba ekugqibeleni ujongeka njani, ngale ndlela ungaqala ukucinga ukuba ufuna ntoni kwaye ufuna njani. Linganisa isithuba uze ubhale phantsi imilinganiselo ukwazi apho kufuneka uqale khona ukusebenza. Nje ukuba uyazi imilinganiselo uyakuyazi ukuba yeyiphi ifanitshala enokuba ngcono kwaye ungacinga malunga nokuba zeziphi iintlobo zefanitshala onokuqala ukuzijonga.
Yenza isicwangciso sokuthenga
Ukwenza isicwangciso sokuthenga, kuya kufuneka uyazi ukuba uza kuhlala ixesha elingakanani kwelo khaya. Isenokuba yindlu ethengwe apho uhlala khona, indlu yehlobo okanye mhlawumbi irente ohlala kuyo unyaka omnye onokuthi mhlawumbi ube li-1 okanye ama-10, ayaziwa. Ngale ndlela, kubalulekile ukuba uthathele ingqalelo ixesha lokucinga malunga nohlahlo-lwabiwo mali, kodwa ngaphandle kokuqengqeleka kwintuthuzelo yakho yemihla ngemihla. Ukuba uthenga ifanitshala uze uhambe, kusoloko kuyinto elungileyo ukuthatha ifanitshala uhambe nayo.
Umgangatho wefanitshala
Ukulandela inqaku elidlulileyo, licebo elihle ukucinga, umzekelo, ukuba uza kuchitha unyaka omnye kuphela ekhayeni, umgangatho wefanitshala akufuneki ulunge kakhulu, kwelinye icala, ukuba Siza kuchitha iminyaka emi-2 ukuya kwemi-5, unokukhetha ukuthenga ifanitshala esemgangathweni, kodwa hayi kwikhaya lakho lonke, oko kukuthi, licebo elilungileyo ukuba ziyanyangeka.
Ukuba ufudukela kwindlu oza kuhlala kuyo ngaphezulu kweminyaka elishumi, kungumbono olungileyo ukucinga ngefanitshala etofotofo nenganyangekiyo eya kuhlala iminyaka emininzi, kwaye awunakutshintsha unyaka nonyaka. Kodwa khumbula ukuba akukho mfuneko yokuchitha amawaka amaninzi eeyuro kwifenitshala, kukho iivenkile apho ungathenga khona ifanitshala ngezinto eziphilayo, ezingabizi kwaye ezinganyangekiyo, ezinje ngomthi woqalo.
Musa ukuyithenga yonke ifanitshala ngexesha elinye
Xa ufuna ukuthenga ifanitshala yakho, nokuba ayibizi, sukuyithenga yonke ngexesha elinye. Kungakulinga ukuya eIkea okanye eConforama ukuthenga yonke ifanitshala oyifunayo okanye ocinga ukuba uyayifuna. Kungcono ukuba uthenge ifanitshala kancinci kancinci kwaye ukucinga kuqala kwezona zinto zibalulekileyo ukuze ukwazi ukuphila imihla ngemihla. Nje ukuba unezinto ezibalulekileyo ezinje: ibhedi, isofa, idesika okanye izinto owaziyo ukuba kufanelekile ukuba uzenze, unokuthatha isigqibo sokuba ufuna enye into kwaye ungalungelelanisa uhlahlo-lwabiwo mali lwakho kwizinto onokuzifuna kamva.
Ukuba nendawo yasimahla akuthethi ukuba kufuneka uthenge ifanitshala engaphezulu
Kubalulekile ukuba ukhumbule ukuba ukuba nendawo yasimahla kwigumbi akuthethi ukuba kuya kufuneka uyigcwalise ngefanitshala, Kungcono ushiye indawo yasimahla yezinto onokuzifuna kwikamva. Kuphela ukuba uyabona ukuba icace gca indawo onayo yasimahla kunye nokusetyenziswa onokukunika, ngaba ungayisebenzisela into eluncedo nesebenzayo enje ngerakhi yezihlangu kwigumbi lakho lokulala okanye ingxowa yeembotyi enemibala yegumbi lokuhlala.
Chitha imali eninzi kwizinto eziphambili
Ithetha ntoni le nto? Kuthetha ukuba umzekelo kumatrasi wakho nakwibhedi yakho uza kuchitha phakathi kweeyure ezi-6 nezili-9 ngosuku kwaye ubukele umabonwakude ubuninzi beeyure ezi-2 okanye ezi-3 ngosuku (kwaye ukuba unexesha!), Ayenzi ngqondo ukuchitha amawaka yee-euro kwi-TV kwaye ushiye uhlahlo-lwabiwo mali oluphantsi kwisiseko sakho sebhedi kunye noomatrasi bakho. Ngale nto ndithetha ukuba kungcono ukuchitha imali encinci ukhuko olulungileyo kwaye ungaphantsi kwithelevishini kwaye mhlawumbi nakwikhabhathi kamabonwakude (ukuba awuyixhoma eludongeni).
Ifenitshala ebiza imali eninzi okanye ifenitshala enexabiso eliphantsi?
Ngokufanelekileyo, kuya kufuneka ucinge ngohlahlo-lwabiwo mali onalo kwaye wahlule imali yakho kweyona fenitshala ibalulekileyo kunye nefenitshala ebaluleke kakhulu ekhayeni lakho. Ukusuka apha kuya kufuneka uchithe imali engaphezulu okanye encinci kwifenitshala ngokuxhomekeke ekusebenzeni kwayo ebomini bakho. Yale ifenitshala oyithengayo ingabiza kakhulu okanye ibe nexabiso eliphantsi kuxhomekeke ekusebenzeni abanako, kodwa ngaphandle kwesidingo sokuba ifenitshala ebiza kakhulu kuzo zonke iimeko.
Musa ukuhendeka ukuba uchithe imali eninzi kwisitulo somyili kwaye utyale loo mali kwifenitshala eyimfuneko ngokwenene, ucinga ntoni?