-Delile
- 1. Uhlala uthola imali yesondlo ngemuva kwemishado yesikhathi eside
- 2. Uvalelise imali yakho yomhlalaphansi noma uhhafu wayo okungenani
- 3. Uma ugcina indlu bese unikela ngokuthize ngokubuyisela
- 4. Izingane zakho nazo ziyisici
- 5. Gwema ukuba nobungane nowawushade naye
Kulezi zinsuku, isehlukaniso sesiphezulu kakhulu hhayi kuphela esizukulwaneni esisha kepha nakwabantu abadala.
Izehlukaniso eziphezulu seziqala ukuhlukanisa kaningi ngokuhamba kwesikhathi futhi lezi zehlukaniso zaziwa ngokuthi "isehlukaniso esimpunga." Inani lalezi zehlukaniso selicishe laphindeka kabili kule minyaka embalwa edlule.
Noma isehlukaniso phakathi kwemibhangqwana sifana nanoma yisiphi esinye isehlukaniso, iza nezinselelo ezithile. Uma uzizwa sengathi impilo yakho ejabulisayo iyaphela, bese kushiwo ngezansi izinto ezinhlanu okufanele wazi ngaphambi kokukhetha.
1. Uhlala uthola imali yesondlo ngemuva kwemishado yesikhathi eside
Noma abantu abasha banezivumelwano zesikhashana zesondlo ezibanikeza uxhaso lwezezimali abaludinga kowayengumlingani wabo; le alimony yinde ngokwanele ukuba ibasize bakwazi ukubuyela ezinyaweni zabo.
Kepha uma kukhulunywa ngesondlo semishado ehlala isikhathi eside, kuyinto ehluke ngokuphelele.
Esifundazweni saseNew York, inkantolo inika lowo muntu imali yesondlo impilo yakhe yonke. Noma isiko lokondla ngemali lihlukahluka kuye ngesifundazwe, noma kunjalo; Ochwepheshe bezomthetho bathi imibhangqwana esezingeni eliphakeme ibamba iqhaza ezinhlelweni zesehlukaniso.
Ngesikhathi sehlukaniso esiphezulu, uma umbhangqwana othile usebenza, kuzofanele bakhokhele isondlo ngandlela thile.
2. Uvalelise imali yakho yomhlalaphansi noma uhhafu wayo okungenani
Ngesikhathi sehlukaniso ezimpunga, akunandaba ukuthi ngubani onephutha nokuthi ngubani ongelona. Abameli abaphezulu bezehlukaniso bathi ngesikhathi sesehlukaniso esinjalo zonke izimpahla kufanele zehlukaniswe ngokulinganayo phakathi kwalaba bantu abashadile kanye nezikhwama zomhlalaphansi.
Ngakho-ke lokho obekubukeka njengemali eningi phakathi neminyaka yakho yobudala akubukeki njengokuningi uma sehlukaniswe phakathi.
Kodwa-ke, abanye abashade 'banikela nangempesheni ethe xaxa ukuze bagweme ukukhokha imali yesondlo nyangazonke. Kodwa-ke, akuwona umqondo omuhle ukuthi omunye umlingani amukele isivumelwano esinjalo esivumela ukuhweba izimali ezenzelwe intela ngenzuzo engenzeka engakhokhiswa intela.
3. Uma ugcina indlu bese unikela ngokuthize ngokubuyisela
Abesifazane abaningi bayakwenqaba ukulahlekelwa indawo abahlala kuyo emshadweni.
Akungabazeki ukuthi ukulahlekelwa yindlu kungaba yisinqumo esithinta inhliziyo kakhulu, yisona esenza umqondo ophelele, ngokwezimali, ikakhulukazi lapho inkantolo ihlukanisa impahla ngokulinganayo.
Uma ukhetha indlu ngakho-ke ngokungangabazeki unokuthile okubalulekile, noma kunjalo; ngokwenkantolo, umyeni wakho uzothola okuthile okulingana nendlu ukuze kubhalansiswe izimpahla.
Le nto ingaba umthwalo omncane wesondlo noma ingxenye enkulu yempesheni. Kunoma ikuphi, ukugcina indlu kungaholela ekutheni bayeke ukukhokha imali nokonga umhlalaphansi ngaleyo ndlela bafake umuntu enkingeni.
Izindlu ziza nezinye izibopho nezinqubo zokukhokha ezifana nezindleko zesondlo, intela yempahla, nezinye izindleko.
4. Izingane zakho nazo ziyisici
Isehlukaniso sinzima noma ngabe isigaba sini.
Isisekelo sesivumelwano sedivosi esezingeni eliphakeme ukuthi ayikho inkinga yezingane ehlukumeza amathumbu imibhangqwana eminingi esencane okufanele ibhekane nayo.
Kwezehlukaniso eziningi ezimpunga, ama-oda wokuvakasha, isondlo sezingane, nezinye izinto ezifanayo azikho esithombeni. Kodwa-ke, lokhu akusho ukuthi izingane ezindala azicatshangelwa ngesikhathi sedivosi.
Kuvamile ukuba abazali banikeze izingane zabo esezikhulile usizo lwezezimali. Manje yize izingane ezindala zingafuna ukuthi lolu sizo lwezezimali luqhubeke, kepha akuyona into ebhalwa phansi esehlukanisweni kuze kube futhi ngaphandle kokuthi ingane isesikoleni noma inokukhubazeka okuthile.
5. Gwema ukuba nobungane nowawushade naye
Ngesikhathi sesehlukaniso, imizwa ingaba yonke indawo; uzizwa uthukuthele, ulimele, ukhaphela konke ngasikhathi sinye. Kodwa-ke, iseluleko sochwepheshe abantu abathola isehlukaniso ukuze bahlale bengathathi hlangothi futhi bazame ukugcina izingxoxo zabo ziphilile.
Akunandaba ukuthi umdala kangakanani, kodwa kubalulekile ukuthi uzame ukuba noxolo ngangokunokwenzeka.
Ukuba nesahlukaniso esiphikisayo akusizi muntu. Ukuba nokuthula akusho ukuthi uba yincwadi evulekile; ukwabelana ngemininingwane efana nezinto zakho ozithandayo, impahla oyifisayo noma izinhlelo zakho zesikhathi esizayo kunganikeza oshade naye isandla esiphakeme ngesikhathi senqubo yesehlukaniso.
Zama ukuba nenhlonipho, hlala ngokomphakathi, noma kunjalo, ngendlela enjengebhizinisi.
Isehlukaniso yisinqumo esikhulu futhi akufanele sithathwe ngesisekelo sokuthi "Ngifuna ukuzama izinto ezintsha." Ukuchitha iminyaka engaphezu kwengu-30 nomuntu akufanele kulahlwe ngezizathu zobulima nezincane.
Qiniseka ukuthi noma nini lapho unquma ukuthatha isehlukaniso, isizathu sangempela. Kungcono ukhethe ukwehlukana esikhundleni sehlukaniso ikakhulukazi uma uhlangabezane nezithiyo eziningi esikhathini esedlule; khumbula, uma ukwazi ukuxazulula izinkinga zakho ngenkathi usemncane, ungazixazulula izinkinga zakho lapho umdala.