Umuntu ohlala naye akakhokhi amabhili ezinsizakalo? Yini okumele uyenze, isinyathelo ngesinyathelo

Ibhili likagesi lifikile futhi. Ulikhokhile, njengenyanga edlule, wabe usulahlukanisa ngabathathu eqenjini. Abantu ababili bathumele isabelo sabo ngosuku olulodwa. Wesithathu waphendula ngophawu lwesandla lokuthi “kulungile” kuphela, futhi manje uthwele amabhili ezinyanga ezimbili zakhe ekhadini lakho.

Umuntu ohlala nawe engakhokhi amabhili ezinsizakalo yinguqulo yasekhaya yomngane ongakubuyiseli imali, kodwa unezindlela ezintathu ezenza kube nzima ukukunganaki: amabhili ayaqhubeka eza nyanga zonke, i-akhawunti ivame ukuba egameni lomuntu oyedwa, futhi kusafanele nabelane ngekhishi kusasa. Hamba ngokulandelana: thola ukuthi kungani engakhokhanga, yenza ibhili lingaphikiswa, cela kanye ngokubhala unikeze usuku, nikeza uhlelo lokubamba eceleni kwebhili elilandelayo, bese ushintsha indlela indlu ephatha ngayo amabhili ayo. Izimo eziningi ziphela esinyathelweni sesithathu noma sesine.

Kungani umuntu ohlala naye engakhokhi amabhili ezinsizakalo kuhlukile

Ekuhlaleni ndawonye, inani likhula lodwa: ibhili ngalinye elisha lingeza esinye isabelo, ngakho igebe elincane ngoSepthemba liba yisamba sangempela ngoDisemba. Futhi lowo oyigama lakhe elikule akhawunti unesibopho kumhlinzeki, noma indlu imbuyisela noma cha.

Yingakho indlela evamile ku-yini okumele uyenze uma umngane engakubuyiseli imali idinga ushintsho olulodwa lapha: ukubamba kumele kwenzeke eceleni kwebhili elilandelayo, hhayi esikhundleni salo.

Isinyathelo 1 — Thola ukuthi usesimweni esiphi

Umuntu ohlala naye ongakhokhi amabhili usesimeni esisodwa kwezine:

• Ukhohliwe. Amabhili afika ngezinsuku ezehlukene futhi kulula ukuwalahla. Umlayezo ocacile uyakulungisa.
• Akakwazi okwamanje. Inyanga emfushane, umholo ongakafiki. Ingcindezi yenza kube kubi; uhlelo lwenza kube kuhle.
• Uphikisana nenani noma ukusetshenziswa. Akenqabi ukukhokha; wenqaba ukukhokha lokho. “Bengingekho ingxenye ka-Okthoba” noma “angisebenzisi isishisi” kuyingxenye yalokhu.
• Akafuni. Kuyivelakancane, futhi ngokuvamile kumayelana nokunye okungelona ibhili.

Izinyathelo ezimbili ezilandelayo ngokuvamile ziyakutshela ukuthi iyiphi.

Isinyathelo 2 — Yenza ibhili lingaphikiswa

Ngaphambi kokuba ucele futhi, beka izinto ezintathu lapho umuntu ohlala naye angazibona: amabhili angempela (isithombe sebhili ngalinye, hhayi isifinyezo sakho), umthetho wokwahlukanisa enivumelene ngawo (izabelo ezilinganayo, noma noma yini indlu eyinqumile), kanye nezinsuku zokukhokhwa kwebhili ngalinye nokuthi ubani olikhokhile.

Lokhu kuxazulula udaba lokuphikisana ngokushesha: ingxoxo iba ngumthetho wesikhathi esizayo, hhayi mayelana nokuthi ungabe uyilungisile inombolo yini. Izabelo ezilinganayo ziyisimiso esijwayelekile; ukwahlukanisa amabhili ezinsizakalo nabantu ohlala nabo kuhlanganisa amacala ambalwa afanele ukwahlukana okungalingani, okuvunyelwene ngakho kusukela manje hhayi okusetshenziswa emabhilini adlule.

Isinyathelo 3 — Cela kanye, ngokubhala, unikeze usuku

Umlayezo kumele ube nezinombolo nosuku, kungabi nalutho olunye:

• “Sawubona Themba — amabhili kaSepthemba no-Okthoba sewasequmbeni lendlu manje. Isabelo sakho sezinyanga ezimbili singu-R2 400 (R1 200 kuNomsa wogesi, R1 200 kuSipho we-inthanethi namanzi). Ungakwazi ukukuxazulula ngomhla ka-15?”

Usuku lenza “maduze” libe into angakwazi ukuyihlela, futhi ukubhala kuyamvumela aphendule lapho esekulungele esikhundleni sokubanjwa egcekeni. Uma ithoni iyiyona ingxenye ekwesabisayo, indlela yokucela imali kumngane ngaphandle kwamahloni inamagama asebenzela nabahlala ndawonye.

Isinyathelo 4 — Nikeza uhlelo lokubamba eceleni kwebhili elilandelayo

Uma usuku lwedlula, noma impendulo ithi “angikwazi okwamanje”, yenza ukukhokha kube lula kunokuba ukwenze kube nomsindo. Umthetho obalulekile: ibhili elisha alihlehliswa neze. Umuntu ohlala naye ukhokha isabelo sakhe esijwayelekile senyanga entsha ngesikhathi, kanye nesiqephu esimisiwe sesikweletu esivele sikhona, kuze kube yiziro.

Isibonelo esibaliwe: umuntu ohlala naye ahlehlele ngezinyanga ezimbili

UNomsa, uSipho noThemba bahlala endlini eyodwa futhi bahlukanisa wonke amabhili ngokulinganayo. I-akhawunti kagesi iphethe igama likaNomsa; i-inthanethi namanzi kuphethe elikaSipho.

UNomsa ukhokhe u-R3 600 futhi isabelo sakhe singu-R2 400, ngakho ukweletwa u-R1 200. USipho ukhokhe u-R3 600 futhi isabelo sakhe naso singu-R2 400, ngakho ukweletwa u-R1 200. UThemba akakhokhanga lutho futhi isabelo sakhe singu-R2 400, ngakho ukweleta u-R2 400. Amabhalansi ahlangana abe yiziro: +R1 200 + R1 200 − R2 400. UThemba ukhokhela uNomsa u-R1 200 noSipho u-R1 200; uNomsa noSipho abakweletani lutho, ngoba isabelo somunye ngamunye sebhili lomunye singu-R1 200 ncamashi.

Uhlelo lokubamba: u-R2 400 phezu kwezinyanga ezine kungu-R600 ngenyanga. Amabhili kaNovemba afinyelela ku-R2 160 wogesi kanye no-R900 no-R900, ngakho u-R3 960, noma u-R1 320 ngamunye. UThemba ukhokha u-R1 320 + R600 = R1 920 ngoNovemba: u-R1 020 kuNomsa (u-R720 wesabelo sakhe sikagesi kanye no-R300 wesikweletu esidlule) no-R900 kuSipho (u-R600 we-inthanethi namanzi kanye no-R300). Lokho asasekweleta kona kwehla kusuka ku-R2 400 kuya ku-R1 800 ngemva kukaNovemba, ku-R1 200 ngoDisemba, ku-R600 ngoJanuwari futhi kuze kube yiziro ngoFebhuwari.

Bhala uhlelo phansi futhi urekhode inkokhelo ngayinye lapho ifika, ukuze wonke umuntu abone inani eliseleyo lehla.

Isinyathelo 5 — Shintsha ukwakheka ukuze lokhu kungaphindi kuqongelele

Izimo eziningi ezithi “umuntu ohlala naye akakhokhi amabhili” ziyinkinga yesakhiwo njengoba kunjalo ngabantu. Izinguquko ezintathu ziyasiza:

• Sabalalisa ama-akhawunti. Uma umuntu oyedwa ephethe wonke amabhili, umuntu oyedwa uthwala yonke ingozi. Dlulisela i-akhawunti eyodwa egameni lomunye wabahlala nawe lapho kuvuselelwa kokulandelayo.
• Hlanganisani izikweletu njalo ngenyanga, ngosuku olunqunyiwe. Ibhalansi engadluli umjikelezo owodwa ayikhuli ngokwanele ukuba nzima. Ukuhlanganisa izikweletu ngaphandle kwamahloni kuchaza leyo ndlela.
• Gcinani uhlu olulodwa wonke umuntu angalubona. Amabhili abhalwa ngosuku akhokhwa ngalo aqeda inguqulo ethi “bengingazi ukuthi lifikile”. Ukwahlukanisa irenti namabhili nabahlala nabo kuhlanganisa uhlelo lwendlu yonke.

Isinyathelo 6 — Nquma

Uma isicelo esicacile esibhaliwe nohlelo olwenzekayo kungabangelanga lutho, yeka ukuphinda ucele bese unquma. Noma ugcine kuyisikweletu, usho ngokucacile kanye, uyeke ukusiza ngamabhili amasha; noma ukuxazulule lapho ezimuka, kanye nakho konke okunye, okuchazwe ku-ukuhlanganisa izikweletu uma umuntu ohlala naye ezimuka. Izivumelwano zokuqasha, amalungelo omqashi nama-diphozithi yimibuzo yezomthetho yasendaweni, futhi impendulo incike lapho uhlala khona nalokho ofake isandla kukho.

Lapho i-Donget ingena khona

Iqembu lendlu ku-Donget liyiyo lolo hlu olabelwanayo lwesinyathelo 5. Okhokhayo ibhili uyalingeza ngo-Kukhokhwe ngu wakhe, akhethe isigaba esithi Ikhaya Nezikweletu → Amabhili Ezinsizakalo, futhi anamathisele isithombe nge-Layisha irisidi, ngakho isinyathelo 2 sesenziwe lapho ibhili likhokhwa hhayi lapho impikiswano iqala. Ukwahlukanisa okuthi Okulinganayo kuhlanganisa amabhili amaningi asendlini; Inani, Iphesenti ne-I-Multiplier kuhlanganisa okuhlukile okuvunyelwene ngakho.

Hlanganisa izikweletu ihlanganisa wonke amabhalansi ibe yizinkokhelo ezimbalwa kakhulu, yingakho izabelo zikaNomsa noSipho zamabhili omunye zikhansela futhi kusale izinkokhelo ezimbili zikaThemba kuphela. Isiqephu ngasinye sohlelo lokubamba singena nge-Rekhoda ukudlulisa imali (ngesithombe esingakhethwa nge-Layisha irisidi lokudlulisa), futhi ibhalansi esele iyavuselelwa kubo abathathu. Isikhumbuzo sivula ishidi lokwabelana lefoni yakho nomlayezo omfushane wokuhlanganisa izikweletu ozowuthumela wena; i-app ayilandeli muntu ngokwayo futhi ayidlulisi mali. Futhi azikho izindleko eziphindaphindwayo, ngakho ibhili ngalinye lengezwa lapho lifika.

Imibuzo evame ukubuzwa

Yini okumele uyenze uma umuntu ohlala naye engakhokhi amabhili ezinsizakalo?

Hamba ngokulandelana: thola ukuthi ukhohliwe, akakwazi, uphikisana nenani noma akafuni; khombisa amabhili angempela nendlela enivumelene ngayo yokwahlukanisa; cela kanye ngokubhala unikeze usuku; nikeza uhlelo lokubamba eceleni kwebhili elilandelayo; bese ushintsha indlela amabhili aphethwe ngayo.

Kuthiwani uma amabhili aphethe igama lami futhi umuntu ohlala naye engakhokhi?

Wena uthwele ingozi yendlu yonke, ngakho likhulume ngokushesha. Cela wonke umuntu akubuyisele imali ngosuku olunqunyiwe nyanga zonke, futhi cabanga ukuthuthela i-akhawunti eyodwa egameni lomunye.

Ngicela kanjani umuntu ohlala naye ukuthi akhokhe isabelo sakhe samabhili?

Ngokubhala, ngezinombolo: amabhili amaphi, izinyanga ziziphi, isabelo sakhe kokukodwa ngakunye, isamba nosuku. Umlayezo okhombisa ibhili uzikhulumela wona.

Umuntu ohlala naye uthi usebenzise ugesi omncane. Kufanele akhokhe okuncane yini?

Kuphela uma nivumelana ngomthetho walokho, kusukela manje. Izabelo ezilinganayo yizona ezijwayelekile; uma ukusetshenziswa kwehluka kakhulu ngempela, setha ukulungisa okulinganayo kwenyanga ngayinye kusuka manje kunokuba uhlole kabusha amabhili adlule.

Uhlelo lokubamba kufanele lube nde kangakanani?

Lube lufushane ngokwanele ukuba liphele ngaphambi kokuba kube khona ozimukayo, futhi lube lincane ngokwanele ukuba isabelo ngasinye sifane eceleni kwesabelo senyanga esijwayelekile. Izinyanga ezintathu noma ezine zivamile.

Kufanele yini sikuyeke ukukhokha ibhili size sikhokhelwe?

Ukuvimba inkokhelo yendlu kuthinta lowo oyigama lakhe elikule akhawunti nabo bonke abahlala lapho, hhayi nje lowo osalele emuva. Imizi eminingi ihlala ikhokha ibhili bese iphatha isabelo salowo muntu ngokwehlukile.

Isiphetho

Umuntu ohlala naye osalele emuva ngamabhili ngokuvamile ukhohliwe, uhlangane nenyanga emfushane, noma akayemukeli inani. Khombisa amabhili, cela kanye unikeze usuku, bese uguqula isikweletu sibe yisiqephu esimisiwe esikhokhwa eceleni kwebhili elisha ngalinye, ukuze isikweletu sinciphe kuyilapho ibhili elilandelayo likhokhwa. Bese usabalalisa ama-akhawunti futhi uhlanganise izikweletu njalo ngenyanga ukuze lokhu kungaphindi kukhule.

Landa i-Donget mahhala bese ugcina wonke amabhili endlu ohlwini olulodwa abahlala nawe abangalubuka, ibhalansi yehla njalo uma othile ekhokha.