Ukwaba amabhili ngaphandle kwe-akhawunti ehlanganyelwe
Vumelanani ngokuthenga, nibhale okhokhile nezabelo. Hlola izamba, ukhokhe umehluko kuphela; ukuthenga komuntu siqu kuhlala ngaphandle.
Ukhokha indlu. Umlingani wakho uthenge igilosa, akhokhe amanzi nogesi. Imali iphuma kuma-akhawunti enu ngabanye, okuyindlela enifuna ukuyigcina. Kodwa ekupheleni kwenyanga, «ngithenga ukudla» nokuthi «ngikhokhela indlu» akusho ukuthi nobabili senithwale izabelo enivumelene ngazo.
Ukwaba amabhili ngaphandle kwe-akhawunti ehlanganyelwe kudinga ukuvumelana ngokuthenga okwabiwe, ukubhala okhokhe ngakunye ngempela nokwaba izabelo enizamukele nobabili. Ngesikhathi sokuhlola enivumelene ngaso, qhathanisani konke okukhokhiwe nezabelo, nikhokhe umehluko kuphela. Ukuthenga komuntu siqu makuhlale ngaphandle kwalelo rekhodi.
Ama-akhawunti ahlukene namabhili abiwe yizinqumo ezahlukene
Imali evela kwenye i-akhawunti ayinqumi ukuthi ubani owabelana ngezindleko. Umuntu angakhokha ibhili lonke ngeyakhe, nobabili nibe nivumile ukulihlanganyela. Irekhodi lihlanganisa lawo maqiniso amabili: okhokhile ngempela nababelanayo okuvunyelwene ngabo.
Awudingi ukwenza ukuthenga kwakho ngakunye kube yindaba yendlu. Le ndlela ingeyabantu abadala abafuna ukuhlela okwabiwe besebenzisa izindlela zabo zokukhokha. Ayikhethi i-akhawunti, ayiqhathanisi imikhiqizo yamabhange futhi ayidingi isinqumo sokuhlanganisa izimali zenu.
Uma nisakhetha ukuthi yiziphi izindleko ezihlangana ndawonye, ukwaba izindleko kwabathandanayo kuchaza leyo ngxoxo ebanzi.
Vumelanani ngokungena erekhodini
Qalani ngohlu olufushane: indawo yokuhlala, amanzi nogesi, igilosa okwabiwe nezidlo enivumelene ukwabelana ngazo. Yishoni nokuhlala kungokomuntu siqu: izinto zokuzilibazisa, izipho noma ukudla kwasemini okuthengwa umuntu yedwa. Umngcele niwukhetha nina, kodwa mawucace ngaphambi kokuba ukuthenga kuvele erekhodini.
Uma ukuthenga kuxubile, hlukanisa okwabiwe nezinto zomuntu. Irisidi enokudla kweqembu nezinto zokugeza zomuntu oyedwa, uma ibhalwe yonke njengegilosa, iguqula isivumelwano buthule. Faka inani lokwabiwe kuphela erekhodini leqembu, ugcine irisidi ukuze lihloleke.
Into ebizayo ayiguquki ibe eyabiwe ngoba ibizile. Khulumani ngento engajwayelekile ngaphambi kokuba omunye azibophezele ukuyithengela nobabili.
Khethani izabelo ngaphambi kokuqhathanisa okhokhile
Ukulingana yindlela eyodwa, akuwona umphumela wokugcina ama-akhawunti ehlukene. Nobabili ningamukela amaphesenti, noma nabe izinhlobo zezindleko ngezindlela ezihlukene. Ukwaba uma amaholo enu engalingani kuchaza lolo khetho oluhlukile.
Bhalani isinqumo ngendlela eningayisebenzisa: «Saba lezi zinhlobo ezine zezindleko ngokulinganayo kule nyanga» kucace kunokuthi «sobabili sifaka okwanele». Uma nisebenzisa amaphesenti, mahlanganise u-100%. Into yomuntu oyedwa mayingangeni ukuze nje amakholomu abakhokhile abonakale elingana.
Ukukhokha ibhili elikhulu akufani nokuba nesabelo esikhulu. Ukuhlukanisa lawo makholomu yikho okwenza indlela isize.
Isibonelo: inyanga kaNomsa noBongani
UNomsa noBongani bavuma ukwaba lokhu kuthenga ngokulinganayo. UNomsa ukhokha u-R12 000 wendlu no-R1 200 wesidlo ndawonye. UBongani ukhokha u-R3 000 wegilosa no-R1 800 wamanzi nogesi. Zonke izindleko ezine sezikhokhwe ngokugcwele kulabo obekufanele bazithole; laba ababili abakakabuyiselani imali.
| Ukuthenga okwabiwe | Okhokhile | Inani | Isabelo sikaNomsa | Isabelo sikaBongani |
|---|---|---|---|---|
| Indlu | Nomsa | R12 000 | R6 000 | R6 000 |
| Igilosa | Bongani | R3 000 | R1 500 | R1 500 |
| Amanzi nogesi | Bongani | R1 800 | R900 | R900 |
| Isidlo ndawonye | Nomsa | R1 200 | R600 | R600 |
| Konke | R18 000 | R9 000 | R9 000 |
UNomsa ukhokhe u-R13 200, unesabelo esingu-R9 000, ngakho kufanele athole u-R4 200. UBongani ukhokhe u-R4 800, unesabelo esingu-R9 000, ukweleta u-R4 200. UBongani ukhokhela uNomsa u-R4 200. Inkokhelo eyodwa iqeda womabili amabhalansi: u-+R4 200 no-−R4 200 kuba yiziro.
UNomsa ubuye wasebenzisa u-R400 emakhofini akhe, uBongani wathenga isipho sakhe esingu-R600. Lokho kuhlala ngaphandle kwesamba esabiwe esingu-R18 000. Ukukhokhelana akubuyiseli noma yikuphi kwalokhu kuthenga komuntu siqu.
Ukukhokha izinhlobo ezahlukene bekulula. Kodwa izinhlobo ngokwazo bezingalingani: igilosa namanzi nogesi kaBongani kuhlangene kubiza kancane kakhulu kunendlu nesidlo sikaNomsa. U-R4 200 wokugcina yiwo oqeda isivumelwano sabo.
Hlola irekhodi ngaphambi kokudlulisa imali
Khethani isikhathi enizosikhumbula nobabili, nihlole isikhathi esifanayo. Qinisekisani ukuthi okufakiwe kungokwenu nobabili, okhokhile ulungile, nokuthi ukubuyiselwa osekwenzekile akuphinde kufakwe njengenye indleko.
Uma uNomsa noBongani bebesevele bekhokhe ingxenye ka-R4 200, leyo nkokhelo yangempela ibizokwehlisa okusele. Bebezoyibhala njengokukhokhelana, hhayi ukuthenga kwesihlanu kwendlu. Ngokuphambene, isithembiso sokukhokha asikabi inkokhelo eqediwe.
Ukuhlola nyanga zonke kungalungela amabhili endlu, kodwa akekho odinga ukuthwala imali angeke akwazi ukuyikhokha kusengaphambili kalula ukuze nje alinde lolo suku. Vumelanani ngesikhashana esifushane noma ukukhokha ngaphambi kokuthenga okukhulu uma kunifanela. Inhloso wuhlelo eningaluphatha, hhayi ikhalenda elingenasici.
Uma ibhili noma isivumelwano kushintsha
Bhala ibhili ngalinye langempela kanye. Uma inani lishintsha, sebenzisa elisha kunokukopisha isamba senyanga edlule. Uma izabelo ziguquka, khethani usuku lokuqala ukuze amarekhodi amadala angashintshi incazelo buthule.
Gcina nomsebenzi wokuhlela ubonakala. Ukukhumbula izinsuku zokufunda imitha noma ukuhlela ukulungiswa kungaba umsebenzi wangempela noma kungekho mali ekhokhwayo. Xoxani ngokuwuphatha, kunokufaka imali eningavumelananga ngayo.
Uma inani elisele linzima ukulisho, umyalezo omfushane oshoyo isikhathi nenani wanele. Ukukhokhelana ngaphandle kokuphoxeka kunezindlela zokwenza kube yingxoxo evamile.
Lapho Donget isiza khona
Faka ukuthenga okwabiwe eqenjini elilodwa, Kukhokhwe ngu kube okhokhile ngempela. Khetha Ngokulinganayo esibonelweni sikaNomsa noBongani; Izixa, Izabelo no-Amaphesenti kusekela ezinye izivumelwano. Izindlela zokwaba indleko zichaza ukuzifaka. Ukuthenga komuntu siqu kungahlala ngaphandle kweqembu.
Hlanganisa izikweletu ibonisa inkokhelo esele. Khokhani ngendlela yenu, bese nisebenzisa Kukhokhiwe ukuyirekhoda. Donget ayigcini futhi ayidluliseli imali, ayinazo izindleko eziphindaphindayo noma izinhlelo zesabelomali: ufaka ibhili ngalinye, nikhethe eningakusebenzisa ndawonye. Ibhala ukukhetha; ayinikhetheli uhlelo lwezimali.
Imibuzo evame ukubuzwa
Siwaba kanjani amabhili ngaphandle kwe-akhawunti ehlanganyelwe?
Vumelanani ngokuthenga okwabiwe, nibhale okhokhile nezabelo. Ekuhloleni okuvamile, qhathanisani okukhokhwe umuntu nesabelo sakhe sonke, bese nikhokha umehluko ngendlela yenu.
Ama-akhawunti ahlukene asho ukuthi ibhili ngalinye lihlukaniswe ngokulinganayo?
Cha. Ama-akhawunti okukhokha nokukhetha izabelo kuyizinqumo ezahlukene. Ningavuma ukulingana, amaphesenti noma ukwabiwa okuhlukile kokuthenga okuhlukile, uma nobabili nikuqonda futhi nikwamukela.
Omunye angakhokhela indlu, omunye athenge igilosa?
Yebo, kodwa qhathanisani izamba kunokucabanga ukuthi izinhlobo zezindleko ziyalingana. Uma omunye ekhokhe ngaphezu kwesabelo sakhe esivunyelwe sekukonke, ukukhokhelana kungaqeda umehluko.
Ukuthenga komuntu siqu kungene erekhodini lamabhili okwabiwe?
Kushiye ngaphandle uma ningavumelananga ukuthi ukuthenga okuthile kwabiwe. Erisidini exubile faka okwabiwe kuphela ukuze izinto zomuntu zingakhokhiswa omunye ngephutha.
Abathandanayo kufanele bakhokhelane kaningi kangakanani?
Khethani isikhathi sokuhlola esinifanela nobabili, niphinde nisibheke uma omunye ethwala kakhulu kusengaphambili. Inyanga ingafanele amabhili endlu; ukuthenga kwansuku zonke kungadinga isikhathi esifushane.
Donget iyaqoqa noma ithumele imali yokukhokhelana?
Cha. Donget ibhala izindleko nezinkokhelo, ayigcini futhi ayidluliseli mali. Khokhelanani ngendlela yenu evamile, bese nibhala inkokhelo eqediwe nge-Kukhokhiwe.
Irekhodi malihlale licacile
Gcina ukuthenga enivumelene ngakho, abakhokhile ngempela nezabelo ezicacile kuphela. Qhathanisani izamba, nikhokhe umehluko, nibhale okukhokhiwe. Ama-akhawunti omuntu angahlala ehlukene kube izibalo zokwabiwa zibonakala.
Landa Donget mahhala bese ugcina amabhili enabelana ngawo erekhodini elilodwa elicacile.
