Iphupha liya ku futshane, okanye Indlela yokugcina imali yendlu

Sonke kuthi, kwaye ngokukodwa abemi bezixeko ezinkulu, bacinga ukuba ubuninzi bezindlu namhlanje. Kwaye kubemi abaninzi, indlu efanelekileyo iphupha elingenakwenzeka. Ukuba awuyikuqwalasela okukhethwa kukho njengoluhlobo lwemboleko (nangona kukho into yokuyeka), ngoko kuphela ukuqokelela kweemali kuhlala. Ngendlela elula, kuya kufuneka sifune impendulo kumbuzo wendlela yokugcina imali kwihostela. Yaye indlela, eya kuxutyushwa ngezantsi, iya kukuvumela ukuba ungathengi kuphela impahla, kodwa yonke into enqwenelekayo.

Ngoko, masiqonde indlela yokusindisa kwihostela eMoscow okanye nakweyiphi enye indawo yaseRussian Federation. Ngethamsanqa, kuzo zonke iimeko, ezahlukileyo kwi-capital, ukwenza kube lula. Iyokuqala (ibaluleke kakhulu) umthetho wokuqokelela uthi: sebenze ngamanani athile. Kuthetha ukuthini oku? Masithi unomlinganiselo othile wemali, okwaneleyo ukuthenga into oyifunayo. Ngoko, kufuneka ubale ukuba imali ingekho. Lawa manani athile. Yaye ke unjani ukuba "udwebe" imali. Kwaye kufuneka ubeke isakhelo esingqongqo: ngoDisemba walo nyaka ndiya kuqokelela imali efunekayo. Kwaye inqaku. Khumbula: uyayeka ukukhangela impendulo kumbuzo wendlela yokugcina imali yeflethi, ukuba uqhubeka unomgomo.

Umgaqo wesibini ngumgaqo weenombolo ezintathu. Isiseko salo sisebandleni lokuba kuyimfuneko ukugcina uxanduva olunzulu lokuziphendulela. Ziziphi ezi manani? Iyokuqala yimali engenayo yenyanga, yesibini yimali esele iqokelelwa kwizindlu ezintsha, okwesithathu iyonke inani elichasiweyo. Njengoko uyazi, konke malunga neengqondo. Xa ubona umphumo (ngokukodwa indlela oyenzayo), ngoko uya kuba kufuphi nomgomo wakho. Oko kukuthi, uyaqonda ukuba kungekudala akusayi kudingeke ucinge ngendlela yokugcina imali kwihostela.

Umthetho wesithathu ufana ngokusisiseko kwisibini. Ngokuya kuye, kufuneka uhlalutye rhoqo iiirekhodi oziqhubayo. Inani elincinci leembono kufuneka libe kanye ngeveki. Kucacile ukuba onke amanqaku akho kufuneka agcinwe endaweni enye. Umzekelo, kwincwadi. Kodwa gcinani engqondweni ukuba akufaneleki ukujonga iinkalo. Kule nkqubo, kufuneka ugxininise indlela yokufezekisa injongo yakho ngokukhawuleza. Oku kuququzelelwe ngemali eyongeziweyo kunye neendleko ezinciphise. Njengoko umkhuba ubonisa, zonke izibalo ezibalulekileyo zihlehlisiwe ngenxa yendlela echazwe ngayo.

Abaninzi ngenxa yezizathu ezithile bayaqiniseka ukuba ngaphandle kokunika amandla akudingekanga kwaye bacinge ngendlela yokugcina imali yezindlu. Enyanisweni, oku akunjalo. Kule meko, umkhwa wokuthi, ukugcina imali kubaluleke kakhulu. Kwaye kufuneka uqeqeshe rhoqo. Kodwa amandla ayilo nto eyona nto. Ngokuqhelekileyo, abo abangafuni ukuqeqesha baqhutywe kwiintsilelo zabo.

Qiniseka ukuba ucinge malunga nokuba ungaphila imali yakho. Kukulungele ukubanika iibhanki. Ngenxa yokuba ukugcinwa kweemali ezinkulu zendlu kuyisilingo esinamandla. Ukongezelela, iziko lemali liya kuhlawula inzala yokugcina imali.

Ngoko siqikelele indlela yokugcina imali yokuhlala. Ndingathanda ukugxininisa kwakhona ukuba imigaqo echazwe ikuvumela ukuba uhlehlise imali eninzi njengoko ufuna ukuthenga enkulu. Kwaye akunokuba yindlalifa kuphela. Akunjalo kuphela kweli lizwe.