Into engalindelwanga mna noMyeni wam sayenza ukugcina imali yeKhaya

Fumana Inombolo Yakho Yengelosi

Ufuna ubuchule obuncinci bokuziphilisa kwezi ntsuku. Ngenxa yokuma kwamaxabiso kunye nokunyuka kwamaxabiso ezindlu, abantu bafuna iindlela zokunciphisa iindleko kunye nokunyusa umvuzo wabo. Kwaye kuyinyani ngokukodwa kuye nabani na ozama ukugcina intlawulo esezantsi kwindlu.



Le yayiyinto ephezulu yengqondo kwiminyaka eliqela eyadlulayo xa uSam (umyeni wam ngoku, emva koko-umfana endithandana naye) ndaye ndagqiba kwelokuba sihlale kunye. Sasifuna igumbi elinamagumbi amabini okulala ukuze abe nesitudiyo somculo, kodwa kwakunzima ukufumana indawo eyayiza kuvela ibe ngaphantsi kwama- $ 300 umntu — nkqu nakwi-Indianapolis efikelelekayo. Emva kweeveki ezimbalwa ezityhafisayo sikhula kuluhlu, saqonda ukuba izinto ziya kuba zitshiphu kakhulu ukuba senze ukhetho olungenasiko kwaye sahlala nomntu esihlala naye.



Ngombulelo, uKevin-owayehlala egumbini lam kunye nomhlobo wam osenyongweni-wayesadinga indawo yokuhlala. Sambuza ukuba uyafuna ukuhlala nathi (wenza njalo!), Saza saqala safuna igumbi lokulala ezintathu. Sifumene i-duplex ngaphakathi kuluhlu lwethu lwamaxabiso ngaphezulu kwesithuba esaneleyo sobathathu. Ndihambile ekuhlawuleni i-625 yeedola ngenyanga ukuya kwi-266 yeedola kuphela (ngaphandle kwezinto eziluncedo).



Nangona oku kunokuba yinto engaqhelekanga kuphela kwiminyaka eli-10 okanye edlulileyo, asizizo izibini zokuqala ukwenza oku kwaye asizukugqibela. Ukuhlala nomntu ohlala naye njengenyathelo lokonga iindleko kuya kusiba yinto eqhelekileyo minyaka le. Inyaniso, Iipesenti ezingama-30 zabantu abadala abasebenza kunye nomntu abahlala naye ngo-2017, ukusuka kuma-21 ekhulwini ngo-2005. Kwaye ukuba uhlala kwisixeko apho izindlu zinexabiso eliphambili, kunokwenzeka ukuba ufumane izibini-ezitshatileyo, nokuba-zihlala nomnye umntu ohlala naye.

10 * .10

Izindlu eD.C azibizi, utsho uKevin Mahoney, umcwangcisi wezemali oqinisekisiweyo e Abacebisi bokuKhanya . UMahoney kunye nenkosikazi yakhe babenomhlobo wabo ohlala nabo e-Dc ixesha elingangonyaka ngelixa umntwana wabo wokuqala wayeselusana. Umntu esihlala naye uhlawule malunga neepesenti ezingama-30 zobambiso lwabo, kodwa uMahoney uthe la malungiselelo awancede omabini amaqela agcine imali eninzi kwiindleko zezindlu.



Thumela umfanekiso Gcina Ncamathisela Bona eminye imifanekiso

UZina (Ityala lemifanekiso: Zina Kumok)

Nangona uSam, uKevin, kunye nam sasigcina itoni yemali, bekukho iindleko zemoya kunye namalungiselelo, ewe. Mna noSam sasineeshedyuli eziphantse zaphikisana, ke xa sasisekhaya ngaxeshanye, ndandifuna ukuba ibe sithi sobabini kuphela. Ngokucacileyo oko kwakunzima xa uKevin wayekho (kwaye wayenelungelo lokuba!)

12 * 12 =

Imeko yethu ibisoloko iyinto ekufanele ukuba siyicacisele abanye abantu. Ndandinomntu endisebenza naye owayehlala nesoka lakhe kunye nomntakwabo (owayesesikolweni somthetho kwaye ephila ngemali mboleko yomfundi ngelo xesha.)



Ngenye imini, umphathi wethu wenza isiqhulo malunga nendlela esingaqhelekanga ngayo ukuba sasihlala nabanye abaziwayo kunye nabantu esihlala nabo ngexesha elinye. Wayengasiqondi ukuba kutheni sisenza njalo. Sajongana nomntu endisebenza naye, ndaza ndamkhumbuza kakuhle ukuba singakwazi ukuzihlalela — ukuba angasihlawula ngaphezulu.

Thumela umfanekiso Gcina Ncamathisela Bona eminye imifanekiso

(Ityala lemifanekiso: Kristin Duvall / Stocksy)

Ngaphandle kwako konke ukucaphuka, bekufanelekile. Kuba irente ibiphantsi kakhulu, ndisebenzise imali yam ekhululekileyo ukuhlawula imali-mboleko yam yomfundi iminyaka esixhenxe ngaphambi kwexesha. Isithandwa sam sikwazile ukuqala ukufaka igalelo kwiakhawunti yakhe yomhlala phantsi.

Kwabanye abantu, njengathi, ukuhlala kunye nethuba lokugcina. UGabriel Kaplan, umcwangcisi wezezimali e Imikhwa yobutyebi , uthe abathengi bakhe ababini abatshatileyo baqeshisa igumbi lokulala elongezelelweyo kwi-Airbnb eNew York City ukwenza imali. Isixeko sinemithetho engqongqo malunga nokuhambisa kunye nokurenta, ke banokwenza kuphela irente zexesha elifutshane, kodwa isiphumo sinokuba enkulu kuxhomekeke ekubeni igumbi ligcwaliswa kangaphi.

Sithetha ngesiqingatha serente yabo kwezinye iinyanga, utshilo uKaplan.

Kwaye kwezinye izibini, ukuhlala nomntu ohlala kuyo kunokuba kuphela kwendlela yokufumana imali. Omnye umhlobo wafudukela eSeattle ukuba abe nesoka lakhe — kodwa wayengenamsebenzi wokumlinda apho. Ngenxa yokuba wayengenakukwazi ukuhlawula isiqingatha serente kwaye umfana awayethandana naye wayengakwazi ukuhlawula ityala lonke, bagqiba kwelokuba bafudukele kwesinye isibini.

Irente yamagumbi amabini okulala iphele ngexabiso eliphantsi ngokwahlula-hlula ngeendlela ezine, ukuba kwakulula kwisithandwa sakhe ukumgubungela isiqingatha ngelixa ekhangela umsebenzi. Amalungiselelo ahlala unyaka kuphela ngaphambi kokuba wonke umntu athathe isigqibo sokufuna indawo engaphezulu, kodwa, kwezi zinyanga zili-12, yayi sisindisimali semali.

Ithetha ntoni ingelosi engu-222

Emva kokuhlala noKevin iminyaka emibini e-Indianapolis, mna noSam sitshatile kwaye sagqiba kwelokuba sifudukele eDenver ukuzama into entsha. Sikwazile ukuhamba ngokulula kuba besigcine kakhulu. Ngokuqinisekileyo uKevin uthathe isigqibo sokuhamba, naye (uSam kunye naye bakwiqela elinye), kwaye sahlala sonke omnye unyaka.

Ukuba nomntu ohlala naye kwakuluncedo eIndianapolis, kodwa kwasindisa ubomi eDenver, ekhawuleza ibe yenye yezona zixeko zibiza kakhulu elizweni. Sihlawule i-1,845 yeedola-uKevin ubhatale i-500 yeedola kwaye mna nomyeni wam sahlulahlule i-1,345 yeedola. Sigcine kakhulu kangangokuba mna no Sam sikwazile ukusebenza ngokuzimeleyo.

Thumela umfanekiso Gcina Ncamathisela Bona eminye imifanekiso

(Ityala lemifanekiso: Zina Kumok)

Ithetha ntoni i-9/11

Kodwa njengoko mna noSam sizinza kubomi bomtshato, indawo yethu encinci yakhawuleza yaqala ukuziva sixinene. Kunyaka kamva-xa sonke ekugqibeleni sikhululekile kwiirhafu eziphezulu zedolophu-uKevin wafuduka.

Kwaye kuphela ithutyana elifutshane emva kokuba sihleli sobabini, mna noSam sabuyela eIndiana. Ngeli xesha, besingadingi kuhlala nomntu-siyakwazi ukuthenga ikhaya ngayo yonke imali esiyigcinileyo kule minyaka idlulileyo! Nangona besikhumbula ukuhlala noKevin, besinombulelo ngayo yonke iminyaka esihlala kunye. Kwaye, ewe, kwakumnandi ekugqibeleni ukuba nesithuba esasisesethu sonke.

UZina Kumok

Umnikeli

UZina ubhala umxholo rhoqo kwiimveliso eziphambili zezemali kwaye ubonakalisiwe kwiLifehacker, iDailyWorth kunye nexesha. Uhlawule imali mboleko yabafundi eyi- $ 28,000 kwiminyaka emithathu kwaye ngoku ubonelela ngoqeqesho lomntu ngamnye kwiConscious Coins.

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