Ububuphile ngokupheleleyo ubomi bakho, kodwa ngoku ukulungelerhoxisakhange ugcine. Ngelixa ukuthatha umhlala phantsi ungenamali akunakuba yeyona meko ilungileyo, kukho izisombululo zendlela yokusinda kumhlala phantsi ngaphandle kwemali. Funda iingcebiso kunye namacebo okuphila iminyaka yakho yegolide ngokuzeleyo kuhlahlo-lwabiwo mali.
Iinketho zeNdlu ezingabizi kakhulu zoMhlala-phantsi
Indlu inokuba yenye yeendleko zakho ezinkulu. Ukurenta, ukubhatala imali mboleko, okanye ukuhlawulela ukugcina kunye neerhafu kwipropathi onayo kunokuyiphelisa imali yakho ngokukhawuleza.
Amanqaku afanelekileyo- Izipho ezili-10 zeHilarious Retirement Gag
- Iindawo ezili-10 ezingahlawulisi irhafu yomhlala-phantsi
- Igalari yezona ndawo zitshiphu zokuthatha umhlala phantsi
Yabelana ngendawo kunye neendleko
Ukuba ungumnikazi wekhaya lakho okanye umnini-mhlaba uya kukuvumela oko, cinga ngokuzisa umntu ohlala naye, nokuba ngaba ngumqeshi omnye ohlala kwicandelo lendlu okanye isibini esabelana ngendawo yakho. Olu ingalutshintsho olukhulu kwindlela yakho yokuphila yangoku, kodwa uya kusika kwangoko amatyala akho amaninzi kwisiqingatha.
Yiya kubahlobo bakho nakumalungu osapho kwaye ubazise ngemeko yakho. Jonga ukuba ngaba abanye babo banomdla wokungena, okanye ukuba banokukuthumela kumntu abaziyo kakuhle okwimeko efanayo naleyo uyiyo. Emva koko, setha eminye imiqathango ngaphambili onokuba negumbi elinokubakho.
I-PBS ixeliwe kuBonnie Moore, owayesebenzisa ikhaya lakhe elikhulu elilungisiweyo ukubamba abantu ahlala nabo a la Amantombazana egolide isitayile. Iingcebiso zakhe zibandakanya:
- Cinga ngento oyinikelayo. Jonga ikhaya lakho ngokwembono yomntu ohlala naye kwaye ubone ukuba unganikezela njani ukwenza imeko enomdla.
- Beka imida. Yazi ngaphambili ukuba uya kwamkela izilwanyana, ukutshaya, ukusela, kunye nokunye.
- Hlala ukhuselekile. Qiniseka ukuba nabani na ocinga ukuvula umnyango wakho ngumntu omaziyo nomthembileyo.
Qiniseka ukuba uyaxoxa ngazo zonke iindleko ezinxulumene nezindlu kwaye uthathele ingqalelo ukwenza iisivumelwano sokurentaNokuba umqeshi wakho ulilungu losapho. Ukuba ungumqeshi ngokwakho kwaye umnini-mhlaba uvumile kwisicelo sakho sokongeza umntu ohlala naye, umnini-mhlaba uya kufuna ukuba ilungu elitsha lekhaya lakho longeze igama lakhe kwisivumelwano.
Cinga ngokuBuyisa imali mboleko
Olu lolunye ukhetho kubanini bamakhaya.Ukuguqula imali mbolekoziye zatsala umdla omkhulu, zombini ezakhayo kunyeengalunganga, kule minyaka yangoku. Ixesha elingaphezulu kuye kwakho umgaqo ngakumbi, kwaye imveliso itshintshe kakhulu, iba nomtsalane ngakumbi kwabanye abathathe umhlala-phantsi.
ungawususa njani umhlwa kwizikrufu zerill
UKUYAukubuyisa umva kobambisoIsebenzisa imali mboleko yokulingana kwamakhaya ukubonelela abantu abadala baseMelika ngokuhamba kwemali. Kuya kufuneka ubeneminyaka engama-62 okanye ngaphezulu, ube nekhaya lakho okanye ube nemali-mboleko esezantsi kwempahla, ukuze ube nakho ukuhlawula irhafu yepropathi kunye ne-inshurensi yasekhaya, kwaye uhlale ekhaya.
Xa umninimzi wokugqibela eshiya ikhaya ngokusisigxina, ngokufa okanye ngokufuduka, ikhaya liyathengiswa ukuze kuhlawulwe imali eseleyo yemali mboleko. Ukuba ukuthengiswa kwekhaya akuhlawuli yonke imali eseleyo, ibhanki iyahlawula umahluko. Ukuba ukuthengiswa kwekhaya kungaphezulu kwebhalansi, wena okanye iindlalifa zakho zigcina umohluko.
Abanini bamakhaya banokulindela ukufikelela phakathi kweepesenti ezingama-50 ukuya kuma-75 zexabiso lekhaya ngokubambisa ngempahla ebolekiweyo, ene- $ 625,500 ephezulu. Uya kufuna ukuyokujikeleza ukuze ufumane eyona nto ibalulekileyo malunga nemirhumo, inkonzo esemgangathweni kunye nenqanaba lenzala. Ukuba unomdla wokuhamba ngale ndlela, inyathelo lakho lokuqala kukuba fumana umcebisi ngempahla ebolekiweyo Ngubani oza kuchaza inkqubo kunye nezinto onokukhetha kuzo kwaye akuncede ngamanyathelo alandelayo.
Ukubanjiswa kwemali mboleko ayisiyewo wonke umntu. Ukuze ushiye ikhaya kwiindlalifa zakho, wena okanye kuya kufuneka niyibuyise imali-mboleko ngenye indlela. Ukongeza, ukuba ucwangcisa ukuhamba ngexesha lomhlala-phantsi, imali mboleko ebolekiweyo ayisiyonto ilungileyo kuba xa ushiya ikhaya, ibhalansi yemali mboleko ifanelekile.
Ukuthatha umhlala-phantsi kwenye indawo kungabizi
Ukuba unemali encinci oyongele umhlala-phantsi, kunokuba sengqiqweni ukuthatha umhlala-phantsi kwenye indawo ngaphandle kwalapho uhlala khona ngoku. Iindawo ezininzi ngaphakathi e-U.Skubiza ixabiso eliphantsi ukuphila, kwaye enye yazo inokuba yindawo efanelekileyo yokuba uthathe umhlalaphantsi.
uziva njani isibeleko sakho xa ukhulelwe
U-Kiplinger wenze uphando wafumanisa Iindawo ezingama-23 ezinomtsalane ngaphakathi eUnited States okunokongela imali xa uthatha umhlalaphantsi. Ezinye zezinto onokukhetha kuzo zezi:
- I-Decatur, Alabama, enomdla-kwaye ingabizi
- Amachibi ashushu, iArkansas, elikhaya lePaki yeSizwe eshushu kwaye ikwanendawo yokuhlala enexabiso eliphantsi kunye nokunakekelwa kwezempilo
- IDes Moines, Iowa, esembindini e-US kwaye inoqoqosho olomeleleyo, iindawo ezininzi zobugcisa kunye neemyuziyam, kunye nokhathalelo lwempilo olukhulu
Nxibelelana ne-HUD
ISebe lezeZindlu noPhuhliso lweeDolophu (i-HUD) linokubonelela ngoncedo ekufumaneni izindlu ezinamaxabiso aphantsi kulo naliphi na ilizwe, kwaye linokunceda nakwiindleko zokuhamba. Sebenzisa ezabo imephu yokusebenzisana ukufumana i-Arhente yezeZindlu zikaRhulumente ukuze uthethe nommeli kwaye nixoxe ngeendlela eninokukhetha kuzo.
Ukuthatha umhlala-phantsi phesheya kolwandle
Ukuba ujonge amava okuthatha umhlala-phantsi, ukhetho onokulujonga kukuthatha umhlala-phantsi. Oku kunokukunika utshintsho olifunayo ngelixa wolula uhlahlo-lwabiwo mali.
Ewe imali ayikhuli emithini nakwamanye amazwe, kodwa idola yaseMelika isahamba umgama omde kwezinye izizwe. Phakathi kwe izizathu ezininzi ezinkulu Ukuthatha umhlala-phantsi phesheya kolwandle:
- Nciphisa iindleko zakho zokuPhila. Kuxhomekeka kwilizwe, unokuhlala kamnandi kwindawo entle yokufumana nje i- $ 1,000 ngenyanga. I-Ecuador, iPanama, kunye neThailand zonke zibonelela ngolu hlobo lokonga.
- Iindleko zoNyango ezisezantsi. Unokufumana ukhathalelo oluhle kakhulu lwamanye amazwe ngesiqingatha sentlawulo oza kuyibhatala eMelika. Izibhedlele zokuqala zehlabathi, nkqu nakumazwe ahlwempuzekileyo, zihlala zinabasebenzi abathetha isiNgesi, uninzi lwabo lwalufundiswe e-U.S.
- Unako ukufumana iiNdleko ezingaphezulu. Ukuthatha umhlala-phantsi eUnited States kuhlala kuthetha ukunciphisa iindleko zakho, kodwa ukuya phesheya kwezilwandle uyakufumana imali yakho yolula ukuvumela ukuba ubenakho ukuthenga izinto njengokutya rhoqo.
Chitha ixesha lokuphanda iindawo oya kuzo. Iindaba zaseMelika Uluhlu oluhle lweendawo ezinokubakho ngokusekwe kwiindleko zokuphila zenyanga. Gcina ukhumbula ukuba uKhuseleko loLuntu luya qhubeka uhlawula kwii-expats kodwa hayi kuwo onke amazwe. Uya kudinga ukuthathela ingqalelo iindleko zokufuduka (ezinokuba sezantsi njengetikiti lendiza kunye neminye imithwalo eyongezelelweyo) ngokunjalo. Ukukunceda ukuhlawula iindleko zakho zokuhamba, jonga indawo yokuhlala kwindawo oyikhethileyo, emva koko ungathengisa ifanitshala yakho ngaphambi kokuba uhambe.
Ezinye iindlela zokuthatha umhlala phantsi ngaphandle kwemali
Ewe kusoloko kukho amanye amatyala kunye neenkcitho ekufuneka ziqwalaselwe. Sebenzisa ezinye okanye zonke ezi zimvo ukufumana iindlela ezintsha zokuphepha idreyini kwiakhawunti yakho yebhanki.
Fumana i-Hobby ehlawulayo
Ukuba unomdla okanye ubuchule ulungile, ukusebenza kude ngamanye amaxesha okanye ixesha lesingxungxo kunokuba yinto elungileyo ukukunceda ukonyuse umvuzo wakho ngokwenza into oyithandayo. Umsebenzi wekhontrakthi ungenziwa xa unexesha, kwaye ukuba awunayo inethiwekhi yakho ye-intanethi, ungafikelela kwezi gig ngokusebenzisa i-cafe ye-intanethi okanye ilayibrari yakho yasekhaya mahala.
Ngetekhnoloji ekhoyo ngoku, zininzi iindlela onokukhetha kuzo. I-AARP ine Uluhlu olukhulu lwamathuba kubandakanya:
- Ukubhala kunyeukuhlelakwimixholo onomdla kuyo
- I-jur ye-Intanethi kwiijury ezihlekisayo ukunika ingxelo yamagqwetha
- Utitshala okwi-Intanethikubafundi abavela kwibanga lesikolo ukuya kwiikholeji
Iindawo ezinje FlexJobs kwaye Umhlala-phantsi inokukunceda kuphando lwakho. Khangela into onokuyonwabela ukuyenza ngelixa usongeza kancinci kwi-pocketbook yakho ngaxeshanye.
Ukurhweba kunye noRhwebo
Ukurhweba ngokufana nengcinga yakudala, kodwa kunjalo ukwenza ukubuya . Ngokubanzi, ukuthatha umhlala-phantsi kuthetha ukuba uya kuba nexesha elongezelelekileyo kusuku lwakho obuya kulichitha usebenza. Sebenzisa eli xesha longezelelekileyo ukubonelela ngeenkonzo kumashishini endawo okanye kwanabahlobo ukutshintshiselana ngeempahla kunye / okanye neenkonzo. Umzekelo:
imibuzo ukubuza isoka ngam
- Nikezela ukucoca izibuko, wenze uthuli olukhanyayo, okanye ucoce imigangatho kanye ngeveki kwindawo yokwenza iinwele kwindawo othenga kuyo iinwele okanye unyango lwenyanga.
- Amavolontiya kwifama encinci yasekhaya (iifama zasezidolophini kunjalo ukuthandwa ngakumbi , ke ezi zinokufumaneka nasezixekweni) ngokutshintshela imveliso entsha.
- Jonga izabelo zokutya kwalapha ekhaya okanye intsebenziswano , ezibonelela ngentengiso yasimahla okanye enesaphulelo ngokunzulu kunye nempahla yasendlini endaweni yokuvolontiya kwexesha.
- Cela ukuhamba nenja yommelwane wakho okanye uchetye ingca yakhe ukuze utshintshele kwiofisi kagqirha.
Kukho zonke iintlobo zamathuba okurhweba, gcina oku engqondweni xa ufuna iimpahla okanye iinkonzo. Unikezelo lwakho alunakuqwalaselwa ngamashishini amakhulu okanye iivenkile ezinkulu zebhokisi, kodwa amashishini amancinci kunye nabantu banokuvuya xa bethengisa kunye nawe.
Urhwebo okanye uKwabelana ngezixhobo
Ukongezwa kokurhweba ngezixhobo zorhwebo. Ixesha lokurhweba, izixhobo, izixhobo, okanye nantoni na eyenye kunye nabo bakwiimeko ezifanayo. Iimbono ezimbalwa zokuthengisa zibandakanya:
- Bukela umboniso we-TV owuthandayo kwikhaya lomhlobo wakho veki nganye, emva koko umeme umhlobo wakho ukuba adlale amakhadi kube kanye ngeveki. Uyakukwazi ukugcina umboniso wakho ngaphandle kokugcina i-TV yakho yekhebula, kwaye nina nobabini niyakuxhamla kwixesha elichithwe kunye.
- Yenza uluhlu lwezixhobo kunye nezixhobo zakho kwaye ucele abahlobo bakho okanye abamelwane ukuba benze okufanayo. Uluhlu lokutshintshiselana, kwaye xa umntu efuna isixhobo okanye igajethi, banokuboleka okanye batshintshe endaweni yokuthenga okanye yokurenta.
Khangela izaphulelo ezifihliweyo
Usenokuba sele ukulungele ukufumana izaphulelo kunye nokonga ngokusekwe kumaqela owawukhe waya kuwo, izikolo owawukhe waya kuzo, kunye neendawo okhe wasebenza kuzo ngaphambili. Jonga iindlela ezininzi onokukhetha kuzo ukufumana izaphulelo kunye noncedo.
- Ukuba ubukhe waya ekholejini okanye eyunivesithi, nxibelelana ne-alumni office yakho ukuze ubone ukuba akukho na izaphulelo ezikhoyo ezinjenge-inshurensi, ukhathalelo lwempilo / imigqaliselo, kunye nakwiivenkile kunye neeresityu.
- Ukuba ukhe wasemkhosini, kukho zonke iintlobo ze izibonelelo , iinkonzo, kunye nezaphulelo ezikhoyo. Ulwazi lunokufumaneka kwiindawo ezisemthethweni ezinje Ezomkhosi OneSource , okanye ufumane iofisi yendawo UKUFAKELWA KOMKHOSI .
- Iiklabhu zemivuzo kunye neenkqubo zamanqaku ngamanye amaxesha zibandakanya izibonelelo ezizodwa kunye nezaphulelo. Qinisekisa ukuba ubhalisele iincwadana zeendaba ze-imeyile okanye uhlaziyo ukuze uhlale unolwazi ngezi zinto.
- Usokhemesti wakho okanye umboneleli wezononophelo lwempilo unokukunceda ufumanise ukuba ngaba ukulungele na ukhuselo olongezelelweyo kunye neinshurensi yezempilo. Oku kunokubandakanya iinkxaso , izicwangciso zokumiselwa , nolunye ugcino.
Iindleko zokuThutha ezisezantsi
Ukuhamba kunokuba yenye inkcitho enkulu ekunzima ukuyifumana kulondolozo. Kukho ezinye iindlela zokuthatha umhlala-phantsi abafuna izaphulelo apha, nangona kunjalo.
- Ukuba unemoto kwaye ungumqhubi olungileyo, okhuselekileyo, cinga ngokuvumela umboneleli wakho weinshurensi ukuba ongeze isixhobo sokulandela umkhondo emotweni yakho. Kuxhomekeka kumboneleli, ngokwemiqathango yabo, kwaye uqhuba ngokukhuselekileyo, ungagcina ipesenti kwiipremiyamu zakho zeinshurensi. Izaphulelo ziyahluka phakathi kweinshurensi, kodwa uninzi lwebango lokuba ungagcina ukuya kuthi ga kwiipesenti ezingama-25. I-Caveat: Qinisekisa ukuba ukhululekile ngesixa kunye nohlobo lolwazi oluqokelelweyo ngaphambi kokutyikitya olu hlobo lwenkqubo.
- Thelekisa iindleko zothutho lukawonkewonke. Kuxhomekeka kwindawo ohlala kuyo, kunokubakho iindlela ezininzi ezinje ngeebhasi, kaloliwe omncinci, iindlela zangaphantsi, kunye nokunye. Fowunela okanye wenze uphando ngeendlela zothutho zikawonkewonke kwi-intanethi, unike ingqalelo ekhethekileyo kwiindlela oqhele ukuhamba ngazo kwiindawo eziqhelekileyo kunye neendleko ezinxulumene noku.
- Ukuba awunayo imoto kwaye uthutho lukawonkewonke alunakukhetha, uberPOOL inokukunceda ufumane abanye ukuba babelane ngeendleko zokukhwela kwi-uberX. Ukuba awusifumani isixeko sakho esikhoyo, ungacela ukuba songezwe.
Ungasinda kuMhlala-phantsi ngaphandle kwemali
Ngokucacileyo, kungcono ukuba ungagcina isixa esikhulu semali somhlala phantsi, kodwa akusoloko kusenzeka. Nangona kunjalo, ungasinda nokuba uthatha umhlala phantsi. Kuthatha ubuchule kwaye inokwolula indawo yakho yokuthuthuzela, kodwa ukhetho lukuhlala nabantu ohlala nabo, ukuhlala phesheya kolwandle, ukukhetha ikhaya elincinci, kunye nokunye. Nokuba ukhetha ntoni na, wonwabele umhlala-phantsi - uwufumene!
