Emuva ngo-2011, ndaye ndagqiba kwelokuba ndibeke isipho kwikhaya lam lokuqala. Ndaziva ndinomngcipheko nge-capital R-ngakumbi kuba ndandisebenza njengentatheli kwigumbi leendaba elinciphileyo kwiphephandaba elishicilelayo apho uLwesihlanu wokugqibela enyangeni wawusaziwa njengokubanjwa ngoLwesihlanu. Ukujamelana noko kwakungathi kuyanda ukunyuka kwezoqoqosho, ndaye ndajonga ezemali kwaye ndazama ukufumana uzinzo. Kuba irente ibinyukile kwaye nemivuzo yamaphephandaba ingekho), ndaye ndagqiba kwelokuba ukuba ngumnini-khaya kwakuyinto ebhadlileyo nenokufikelelwa ngandlela ithile ukugcina ubuncinci intlawulo yam yezindlu kwiminyaka engama-30 ezayo. Ndithathe i-bartending yesibini yomsebenzi ukunceda ukugcina intlawulo ephantsi: iipesenti ezingama-20 ukuze ndingabi phantsi komdla owongezelelekileyo kunye ne-inshurensi yabucala yemali mboleko. Ndithathe isigqibo sokuseka ukufikeleleka kuphela kwimali endize nayo ekhaya ndibuya ebharini, ndisazi ukuba ndilahlekelwe ngumsebenzi wokunika ingxelo, bendisazokwazi ukwenza iintlawulo.
Nangona ndinokuba ngumzekelo obalaseleyo womninikhaya weminyaka eliwaka, ukucinga kwam kubotshelelwe kakhulu kwisizukulwana esasizuzwa njengelifa. Sithweswe izidanga kwi-The Great Recession kwaye senza njalo sakhwela kunye rekhoda amanqanaba aphezulu etyala lemali mboleko yomfundi . Amathemba engqesho — singasathethi ke ngabona bahlawulwa imali eninzi — ayenganiki themba. I-Millennials ihambisa indawo yokusebenzela-kunye neendawo ze-geographic-kwangoko kwaye rhoqo ukuze ikhusele ingqesho rhoqo. Kwakukho imigibe yezemali macala onke kuthi kwaye kwakufuneka sihlale silumkile. Kwaye emva kwako konke oku kungazinzi yayiyimakethi yezindlu, utsho UJon Reeves , ugqirha wengqondo osebenza e Seattle, Washington.
I-Millennials inokubona ukuthengwa kwekhaya njengobungozi ngakumbi kunakwizizukulwana zangaphambili kuba sikhuliswe kukhetho olungapheliyo, utshintsho olwenzeka rhoqo, kwaye safika kubudala bokungazinzi kwemali, utshilo uReeves.
Cinga ngako: Kwakukho imigibe yemali ejikeleze thina kwaye kwafuneka sihlale silumkile. Kubonakala ngathi, ngenxa yoku, thina Millennials sifunde ukuba ukuze senze nantoni na, kufuneka siyenze ngokugqibeleleyo. Siziva kuphela sikulungele ukuqhubela phambili xa beqinisekile ngeepesenti ezili-100 ukuba bayakwazi ukujongana nayo. Oko kuthetha ukuba ukuphupha kwethu emveni kwexesha asichithi nje ukucinga nge-aesthetics yasekhaya okanye ngeendlela zokugcina iJoneses, kodwa siqinisekisa ukuba oomatshini abasemva kweefadade bahamba ngokugudileyo kangangoko. Sichitha ixesha lethu simahla sifunda kwaye siphanda iingcebiso kunye neehambo zokunciphisa umngcipheko kwaye siphephe naziphi na iimpazamo ezibiza kakhulu ezinokusenza singafikeleli ebudaleni solvent yezemali. Siyabuza, kungakanani ukulungiswa kokunyuka okuphezulu kwixabiso emva kohlaziyo lwe-DIY? Kwaye ngaba lutyalo-mali oluhle? Ngaba siya kuba nemali eyoneleyo yokuhlawula imali mboleko kwinyanga nganye-nokuba esinye sezixhobo siyaphuka kwakamsinya emva kokuba singene, ikhontrakthi yomsebenzi wethu ayivuselelwa, okanye sinongxamiseko kwezonyango olungagutyungelwanga yi-inshurensi? Ngaba ezo zibonakala zinomngcipheko Izinga lobambiso oluhlengahlengisiweyo eneneni lukhetho olungcono kunolo lwenqanaba elimiselweyo abazali bethu-ngakumbi ukuba imisebenzi yethu ingasicela ukuba sihambe nanini na?
Intsingiselo ye5: 55
Ngayo yonke le nto isemva kwethu, ayothusi into yokuba iMillennials iphulukana nokholo kwi-American Dream. Ibetha ngenene kwindalo yethu yokuthintela umngcipheko. Kodwa njengomntu othathe umngcipheko kwaye wakufumanisa kunomvuzo ngeendlela ezininzi ngaphezulu kunokuba bendicwangcisile, ndilapha ukuza kuthi: Mhlawumbi lixesha lokuba siphinde siqwalasele indlela okuyingozi ngayo ukuba ngumninikhaya. Ewe kunzima kwaye kuyabiza ngeendlela ezithile, kodwa kukwakho nembuyekezo entle kutyalo-mali. Umzekelo, ikhaya endilithengileyo nge-193,000 yeedola ngoku lixabisa i-325,000 yeedola kwaye imali-mboleko yam ibiza kakhulu kunezona zininzi kwigumbi elinye kwigumbi lokuhlala kwaye oku kuye kwandivumela ukuba ndithathe umngcipheko wokufezekisa ubomi njengokuhamba ixesha elizeleyo njenge intatheli yokuhamba.
Ngelixa ndingumzekelo nje omnye kwaye ngokuqinisekileyo kukho iimeko apho izinto zingasebenzi, ndicinga ukuba ukuthenga ikhaya-nokuba livakalelwa kukuba kuyingozi-kunokuba yinto efanelekileyo kakhulu. Kodwa sukuthatha nje ilizwi lam: Ndithethile nabanye abathengi basekhaya njengam abathi bamkela ezinye iimeko ezingaphantsi kokugqibeleleyo xa bathenga amakhaya abo. Nantsi into ekufuneka bayithethile:
lithetha ntoni i-113
Ndibhida kwikhaya, elingabonakaliyo
Ndithenge ikhaya elinentlawulo ephantsi
Ndithenge ikhaya elinetyala
Xa kuziwa kumba wokuthengiswa kwezindlu nomhlaba, yeyiphi imingcipheko obukade ukulungele ukuyithatha? Ngaba ekugqibeleni bahlawule?
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