Uyahola, wakha okuthile, futhi ubhekana nezinto ezinzima kunalezi emsebenzini amasonto amaningi. Bese kufika inombolo obungayihlelile. Igiya lemoto. Udokotela wezilwane. Incwadi evela kwabentela enenani elingahambisani nalutho okusengqondweni yakho.
Abantu abaningi bahlangabezana naleyo nombolo ngokushesha. Bavula uhlelo ngehora leshumi nanye ebusuku, balifake ekhadini, bese kuthi ngoLwesithathu sekulungisiwe kanti izindleko zokukulungisa sezikabili buthule.
Nansi enye indlela, futhi yiyona sihloko sonke. Nikeza ibhili izinsuku ezinhlanu. Hhayi imizuzu emihlanu, hhayi amasonto amahlanu. Izinsuku ezinhlanu, nomsebenzi owodwa kolunye nolunye. Inani olikweletayo alishintshi. Okushintshayo ngumuntu othatha isinqumo, ngoba umuntu oselale kabili wenza nezingcingo ezimbili uyisixoxisani esehlukile kunomuntu omile ekhishini phakathi kwamabili enomunwe phezu kwenkinobho yokukhokha.
Kufanele ngenzeni kuqala uma kufika ibhili elikhulu engingalilindele?
Lifunde kabili bese ungakhokhi lutho amahora angamashumi amabili nane. Cishe alikho ibhili empilweni ejwayelekile elifanele ukukhokhwa ngalo lolo suku elifika ngalo, futhi usuku olulodwa lokulinda alukubizi lutho kanti isinqumo esithathwe namuhla ebusuku sivala izindlela ezishibhile zokulikhokha.
Usuku lokuqala lusuku lokufunda. Funda umbhalo wonke, kubandakanya nombhalo omncane ongaphansi kwenani. Ubheka izinto ezine futhi uzibhala ekhasini elilodwa: inani, usuku lwangempela lokukhokha, ukuthi uxhumana nobani, nenombolo yenkomba. Bheka okusekhasini kunalokho okhumbula ukubona, ngoba ibhili alihlali lisho lokho okushiwo yimizuzwana eyishumi yokuqala. Umugqa ophindwe kabili. Isevisi esivele ikhokhelwe. Usuku olusemasontweni amathathu ngale kwalolo isisu sakho esilukhethile.
Bese uyalivala. Ungavuli uhlelo lwasebhange namuhla ebusuku, futhi ungazitsheli ukuthi uzocabanga ngalo, ngoba ukucabanga ngalo phakathi kwamabili akusikho ukucabanga, kuwukuzilolongela. Usuku lokuqala luphetha ngamaqiniso amane ekhasini kungakhokhwa lutho. Lolo wusuku oluqediwe, hhayi olubuyiselwe emuva, futhi umehluko ubalulekile ngoba umuntu ozizwa ebalekela into ulala kabi kunomuntu owaziyo ukuthi umsebenzi wakusasa uyini.
Ngingacela ngempela uhlelo lokukhokha ebhilini?
Yebo, futhi leli yihora elinenzuzo enkulu kunawo wonke kulezi zinsuku ezinhlanu. Amalungiselelo okukhokha ajwayelekile kubakhokhisi abakhulu, kusukela ezibhedlela nasemitholampilo kuya kwabezinsizakalo, ezigarajini, kubaqashisi nakwabentela, futhi avame ukunganikezwa ngaphambi kokuba ucele.
Akusiwo umusa futhi akusiso isicelo sabantu abasenkingeni. Kuwumkhiqizo ojwayelekile. I-Internal Revenue Service ishicilela isicelo sesivumelwano sokukhokha ku-inthanethi kuwebhusayithi yayo, inikeza uhlelo lwesikhathi esifushane noma isivumelwano sokukhokha ngenyanga isikhathi eside. Abezinsizakalo banezinhlelo zezikweletu ezisemuva. Izibhedlela zinezinketho zokukhokha kancane kancane namadesiki osizo lwezimali. Igaraji livame ukuhlukanisa umsebenzi wokulungisa ubuye ube ngezinyanga ezimbili uma imoto izobuyela kubo nokho.
Usuku lwesibili luwucingo olulodwa, noma ezimbili uma umuntu wokuqala engakwazi ukukusiza. Awuceli muntu ukuba abe nomusa. Ubuza ibhizinisi ukuthi imigomo yalo iyini, okuwumbuzo onelungelo lokuwubuza nganoma yini oyithengayo.
Ngisho ukuthini ngqo ocingweni?
Sho umusho owodwa bese uthula: "Ngifuna ukukhokha lokhu kuphelele futhi ngidinga ukukusabalalisa. Yiziphi izinhlelo zokukhokha eninazo?" Bese ubayeka baphendule, ngoba into yokuqala abayishoyo akuvamile ukuba yisipho sabo esingcono kanti eyesibili ivame ukuba yiyo.
Zintathu izinto ezenza lolo cingo luhambe kahle. Yiba nenombolo yenkomba namaqiniso amane osuku lokuqala phambi kwakho, ukuze ungalokothi ucinge umuntu esalindile. Cela imigomo ibhaliwe, nge-imeyili, ngaphambi kokuvuma noma yini, ngoba uhlelo olukhona kuphela ngaphakathi kocingo akulona uhlelo. Futhi buza umbuzo olandelayo cishe okungekho owubuzayo: "Ingabe lokhu kumisa izinkokhelo zokulibala noma inzalo ngesikhathi ngisohlelweni?" Kwesinye isikhathi kunjalo, kwesinye akunjalo, futhi ukwazi ukuthi kuyikuphi kushintsha izibalo zesonto lonke.
Bhala phansi igama lomuntu okhulume naye nesikhathi oshayele ngaso. Kubiza imizuzwana emihlanu futhi kuxazulula impikiswano kamuva.
Ivelaphi imali uma ngingenayo?
Usuku lwesithathu nolwesine olokuthola imali ngokulandelana okushibhile, futhi ukulandelana kubaluleke kakhulu kunenani lilonke. Imali osuvele unayo ishaya uhlelo lomkhokhisi, olushaya ikhadi lesikweletu, elishaya noma yini efika ngomlayezo wombhalo ithi izokusiza.
Bhala ukulandelana bese usebenza ngalo. Okokuqala, imali esesivele ihleli, kubandakanya nesiyama uma unaso, ngoba yilokhu kanye isiyama esiyisona, futhi ukusisebenzisa lapha kuwukuphumelela hhayi ukwehluleka. Okwesibili, uhlelo losuku lwesibili, oluvame ukungabi nanzalo nhlobo. Okwesithathu, imali ongayidlulisa esikhundleni semali ongayihola: umrhumo omisiwe, ukulethwa okweqiwe, uhlelo olwehliswe izinyanga ezimbili. Okwesine, futhi okwesine kuphela, ukuboleka. Uma uboleka, boleka inani elishiwo izinyanga ezibaliwe, hhayi ikhrediti evulekile ozobe usayithwele entwasahlobo ezayo.
Izinhlelo eziningi zezinsuku ezinhlanu azilokothi zifike esinyathelweni sesine. Abantu bafinyelela ikhadi phakathi kwamabili hhayi ngoba izinyathelo zokuqala zehlulekile, kodwa ngoba akekho owazibhala ngokulandelana.
Kungani izinsuku ezinhlanu zishaya imizuzu emihlanu?
Ngoba ibhili akuyona ingxenye ebizayo, ukujaha yikho. Izinsuku ezinhlanu ezicatshangelwe azikubizi lutho futhi ngokujwayelekile zithola indlela eshibhile yokukhokha, kanti imizuzu emihlanu esheshayo ngehora leshumi nanye ebusuku ithola into yokuqala kuphela. Umehluko yinani lezindlela zokuphuma ongazibona uma ungajahi.
Bheka lokho leli sonto elikuthengile ngempela. Usuku lokufunda luthole usuku lwangempela lokukhokha. Ucingo olulodwa luthole uhlelo olungenanzalo. Izinsuku ezimbili zokuhlela zithole imali ebisivele ingeyakho. Akukho kulokho okuwubuchule bezezimali, konke kutholakala kunoma ubani, futhi konke akubonakali kumuntu osebenza ngesivinini, ngoba isivinini sinciphisa umbono ubheke endleleni yokuphuma yokuqala kuphela.
Kukhona into yesibili oyithengile futhi ibaluleke ngaphezu kwemali. Uzifakazele ukuthi inombolo enkulu efika ingamenyezelwanga ayinawo amandla okuqhuba inyanga yakho. Lelo yikhono elingaphindwa, futhi yikhono elifanayo elikuvumela ukuba uthule engxoxweni yeholo noma ufunde i-imeyili enzima kabili ngaphambi kokuphendula. I-Federal Reserve Board isenza i-Survey of Household Economics and Decisionmaking minyaka yonke kusukela ngo-2013 ukuze ilinganise ukuthi imizi iqhuba kanjani nokuthola izingozi ezimalini zayo, okuyindlela elula yokusho ukuthi isonto elinjengaleli liyingxenye evamile nelinganisiwe yempilo yasekhaya kunokuba libe ukwehluleka komuntu. Ayafika. Okwehlukanisa abantu yinqubo abahlangabezana nawo ngayo.
Isonto elilandelayo lilungiselelweni ngempela
Ngosuku lwesihlanu usunohlelo lwezinsuku esikhundleni sesinqumo. Izinsuku ezintathu noma ezine, inani eceleni kolunye nolunye, ekhasini ongalibuka isifuba sakho singaqini. Beka lezo zinsuku lapho ugcina khona izinombolo zakho zanyanga zonke, ngoba usuku oluhleli eceleni kwakho konke okunye wusuku ozolufeza ngempela, futhi ukudweba umugqa kolunye kuyiyona ngxenye ejabulisa ngempela yokukhokha ibhili.
Bese ubuyela emsebenzini. Lowo akuwona umusho olahlwayo. Isizathu sokuphatha ibhili ngale ndlela akusikho ukuthi likwenza ube umuntu oqaphile. Ukuthi likubuyisela ukunaka isinqumo esisheshayo ebesizokudla izinyanga ezintathu ezizayo, futhi ukunaka kuyimpahla eyisisekelo yakho konke ozama ukukwakha. Abantu abaphatha izinhlekelele kancane akubona abantu abanensa. Yibona abasasebenza ngamandla ngonyaka weshumi nambili, ngoba abakhokhi inzalo ngezinqumo abazenza bethukile.
Into yokugcina, futhi ngumusho owusizo kunayo yonke lapha. Kungakhathaliseki ukuthi leli bhili liphenduke yini, qaphela ukuthi yini eyodwa yezindleko zakho ezimisiwe zenyanga ebeyizoyifaka. Lelo nani ubukhulu besiyama sakho sokuqala, futhi isonto okufika ngalo ibhili elikhulu yilona sonto elilodwa lonyaka lapho ufuna ngempela ukwakha esisodwa.
Imithombo
- Internal Revenue Service, Online payment agreement application
- Consumer Financial Protection Bureau, Debt collection
- Federal Reserve Board, Survey of Household Economics and Decisionmaking