Sibiza malini isihlalo esinamasondo sikagesi esihle?

Kunezinto eziningi okufanele zicatshangelwe lapho uthenga i-aisihlalo esinamasondo esihle. Ukuhamba kubalulekile kuwo wonke umuntu, futhi kubantu abangakwazi ukuhamba kancane, ukuba nesihlalo esinamasondo esifanele kungenza umehluko omkhulu ezimpilweni zabo zansuku zonke. Kodwa sibiza malini isihlalo esinamasondo sikagesi esihle, futhi yiziphi izici okufanele uzicabangele lapho usithenga?

Izindleko zekhwalithi yesihlalo sabakhubazekile zingahluka kakhulu kuye ngezici, uhlobo, kanye nekhwalithi yedivayisi. Amamodeli ayisisekelo aqala cishe ku-$1,500, kuyilapho amamodeli athuthuke kakhulu anezici ezengeziwe nezinketho zokwenza ngendlela oyifisayo angabiza cishe ama-$5,000 kuya ku-$10,000. Ukuze uthole isihlalo sabakhubazekile esinamandla esilungele wena noma othandekayo wakho, kufanele ucabangele lezi zinto ezilandelayo ukuze uqinisekise ukuthi uthola inani elingcono kakhulu lemali oyitshalile.

Okokuqala, kubalulekile ukucabangela izidingo ezithile kanye nezidingo zomuntu. Izihlalo zabakhubazekile ezinamandla ezihlukene zenzelwe ukusetshenziswa okuhlukile, njengokusetshenziswa endlini, ukusetshenziswa ngaphandle, noma inhlanganisela yakho kokubili. Isibonelo, abantu abadinga isihlalo esinamasondo ukuze benze imisebenzi yangaphandle kanye nezindawo ezimbi bazodinga imodeli enamathayi aqinile nokulengiswa, okungase kubize inani eliphakeme. Ngakolunye uhlangothi, abantu abadinga ngokuyinhloko ukusebenzisa isihlalo sabakhubazekile endlini bangase bangadingi izinga elifanayo lokuqina futhi bangakhetha imodeli ethengekayo.

Okwesibili, ukunethezeka nokusebenziseka kalula kwesihlalo sabakhubazekile sikagesi kufanele kubhekwe. Izici ezifana nezihlalo ezilungisekayo, amandla okutsheka kwendawo, namasistimu okulawula athuthukile konke kungangeza ezindlekweni zizonke zesihlalo esinamasondo. Nakuba lezi zici zingase zize ngentengo ephezulu, zingathuthukisa ngokuphawulekayo ukunethezeka komsebenzisi kanye nekhwalithi yempilo, zibenze babe ukutshalwa kwezimali okuzuzisayo ngokuhamba kwesikhathi.

Ngaphezu kwalokho, uhlobo kanye nekhwalithi yesihlalo sabakhubazekile sikagesi kufanele kucatshangelwe. Nakuba kungase kulingeke ukukhetha amabhrendi ashibhile, angaziwa kangako, kubalulekile ukubeka phambili ikhwalithi nokwethembeka. Ukutshala imali kumkhiqizo ohloniphekile onerekhodi elihle lokukhiqiza izihlalo zabakhubazekile ezinamandla ezihlala isikhathi eside neziklanywe kahle kungasiza ukugwema izinkinga ezingase zibe khona futhi kuqinisekiswe ukuphila isikhathi eside kwedivayisi.

Ngokungeziwe ezindlekweni zangaphambili zesihlalo esinamasondo esinamandla, kubalulekile ukucabangela izindleko zesikhathi eside ezingaba khona, njengokunakekela, ukulungisa, kanye nezinsiza. Ezinye izihlalo ezinamasondo ezisebenza ngogesi zingase zidinge ukunakekelwa njalo nokunakekelwa, okungase kwenyuse isamba sezindleko zobunikazi. Ukwengeza, izesekeli ezifana nama-cushions ezihlalo ezikhethekile, izindawo zokubeka ikhanda, nezinketho zesitoreji nazo zingangeza kuzo zonke izindleko, kodwa zingase zidingeke ukuze umsebenzisi akhululeke futhi kube lula.

Okokugcina, kubalulekile ukuhlola izinketho zokuthola imali ezingaba khona kanye nezinhlelo zokusiza ezingasiza ukukhokha izindleko zesihlalo esinamasondo esinamandla. Izinhlelo eziningi zomshwalense, i-Medicare, ne-Medicaid zingase zimboze ingxenye yezindleko zesihlalo sabakhubazekile samandla kubantu abafanelekile, futhi kunezinhlangano ezisiza umphakathi kanye nezibonelelo ezinganikeza usizo lwezezimali.

Kafushane, izindleko zesihlalo esinamasondo esinamandla zingahluka kuye ngezinto ezihlukahlukene, okuhlanganisa izidingo ezithile zomuntu ngamunye, ukunethezeka nokutholakala, uhlobo lomkhiqizo nekhwalithi, izindleko zesikhathi eside, kanye nezinketho zokuthola imali ezingaba khona. Ngokucubungula lezi zici ngokucophelela futhi uthole ibhalansi efanele phakathi kwezindleko nokusebenza, ungaqinisekisa ukuthi wena noma othandekayo ningajabulela inkululeko nokuzimela okulethwa isihlalo esinamasondo esifakwe kahle. Ekugcineni, ukutshalwa kwezimali kusihlalo esinamasondo esinamandla kuwutshalomali ekuthuthukisweni kokunyakaza kanye nezinga lempilo.

Ngakho-ke, sibiza malini isihlalo esinamasondo sikagesi esihle? Impendulo incike ezintweni ezihlukahlukene, futhi ukuthola ibhalansi efanele phakathi kwezindleko nokusebenza kubalulekile. Ngokucabangisisa nangocwaningo, ungathola isihlalo sabakhubazekile esinamandla esihlangabezana nezidingo zakho futhi esilingana nesabelomali sakho. Ungangabazi ukuhlola izinketho zakho futhi uxhumane nochwepheshe bezokunakekelwa kwempilo kanye nochwepheshe bezokunyakaza ukuze uthole isixazululo esingcono kakhulu sakho noma othandekayo wakho. Phela ukubaluleka kokukhula kwe-liquidity nokuzimela kuyigugu. Tshala ngobuhlakani futhi ujabulele inkululeko entsha eza nesihlalo esinamasondo esinamandla. Ukuphotha okujabulisayo!