Umxholo
- 1. Ukugcina ukutya etafileni
- 2. Uwahlawula njani amatyala akho
- 3. Ukufumana indawo yokuhlala
- 4. Ukuhlawulela ukukhathalelwa kwabantwana
- 5. Ukuhambisana nokuhamba
- 6. I-inshurensi yezempilo
- 7. Ukuhlawula amatyala ashiyekileyo
Ukuya kuqhawulo-mtshato kuyenzakalisa ngokwaneleyo ukuba uphile qete ngokwasemoyeni, kungasathethwa ke ngento eza kuyenza kubomi bakho bezemali.
Njengomama, inkxalabo malunga nokuba uqhawulo-mtshato lwakho lwenzani ebantwaneni bakho luyayitya ingqondo yakho phantse kanye ngendlela yokulungiselela iingxaki zemali emva koqhawulo-mtshato.
Ukususela ekuhlawuleni amatyala, ukugcina ukutya etafileni, kunye nokubonelela abantwana bakho njengomzali omnye.
Ukwazi imiceli mngeni kumama ongatshatanga kunokukunceda wenze isicwangciso somdlalo malunga neyona ndlela ilungileyo yokukhathalela abantwana bakho kwiimeko zakho ezintsha zokuba ngumzali omnye.
Nazi iingxaki ezi-7 zokuba ngumama ongatshatanga onokudibana naye emva koqhawulo-mtshato.
1. Ukugcina ukutya etafileni
Njengomama oqhawule umtshato, kusenokwenzeka ukuba umvuzo wakho wekhaya unqunyulwe ngesiqingatha okanye nangaphezulu. Mhlawumbi awuzange usebenze kwaphela xa wawutshatile.
Nokuba zithini iimeko zakho, Ujoliso lwakho ngoku lujikeleze indlela yokugcina izinto eziyimfuneko ebomini bakho. Ewe, izinto zesikolo kunye neempahla zikwangunobangela wokukhathazeka emva koqhawulo-mtshato njengoko ezi zinto zingabizi.
Enye yezona zinto zixhalabisayo okanye umceli mngeni wokuba ngumzali ongajongana nayo yindlela yokondla usapho lwakho.
Ingxelo yokutya evela kwi-USDA ibonise ukuba indleko zokutya ngenyanga nganye zivela kwi- $ 165 ukuya kwi-345 yeedola, kuxhomekeke kubudala bakho kunye nesini. Eli xabiso linyuka kuphela nabantwana abaninzi onokuba nabo.
Jonga kwakhona:
Ukuba unengxaki yemali emva koqhawulo-mtshato, into yokuqala ekufuneka uyiqwalasele kukujonga iingcebiso kuhlahlo-lwabiwo mali loomama abangatshatanga okanye iingcebiso zohlahlo-lwabiwo mali zoomama abangatshatanga.
2. Uwahlawula njani amatyala akho
Ukuhlawula ityala lakho lenyanga okanye ukuhlawulwa kwemali mboleko yenye yemiceli mngeni emikhulu kumama ongatshatanga.
Ukunyamekela izinto zasekhaya kunokuba nzima kwaye kube nzima, kodwa ungalahli ithemba. Zininzi iindlela zokufikelela ngeli xesha de ufumane imeko ezinzileyo yezemali.
Umzekelo, unokufumana umsebenzi wesibini okanye umsebenzi wasekhaya okwi-Intanethi ukuze unike umvuzo owongezelelweyo.
Ukuthengisa ikhaya lakho kunye nokuhlala kunye namalungu osapho okanye abahlobo abasenyongweni ngeli xesha kunokususa umthwalo wezezimali. Unokujonga kwakhona ukuxhasa ngemali ikhaya lakho ukuze ufumane ixabiso eliphantsi.
3. Ukufumana indawo yokuhlala
Inyaniso ebuhlungu yeyokuba, omnye kwabafazi abahlanu uya kuwa phantsi komda wentlupheko (i-20 000 yengeniso yekhaya ngonyaka kusapho lwabathathu) emva kokuqhawula umtshato.
Olu ayilobalo luhle koomama abangatshatanga abajonge ukubonelela ngeyona mfundo ibalaseleyo yesikolo kunye nezezindlu kubantwana babo.
Omnye wemiceli mngeni emikhulu kumama ongatshatanga kulapho uza kuhlala khona. Ukuba awukwazi ukugcina ikhaya lakho lokuqala, ungalahli ithemba.
Kukho uninzi loncedo lwezindlu koomama abaqhawule umtshato, nakwiintsapho ezinengeniso ephantsi ukunceda oomama abaqhawule umtshato ngaphandle kokufumana umvuzo okanye oomama abangatshatanga abanomvuzo ophantsi.
Unokukhetha ukuhlala namalungu osapho okwethutyana emva koqhawulo-mtshato. Sukuziqhenya ukwamkela uncedo oluvela kubahlobo nakusapho ngeli xesha linzima.
4. Ukuhlawulela ukukhathalelwa kwabantwana
Njengomama ongatshatanga, uxanduva lwakho lwezezimali lunokukunyanzela ukuba ubuyele emsebenzini okanye uthathe imisebenzi emibini ngaxeshanye.
Oku kunokuba yinto ebuhlungu, kuba ayizukuziva unxunguphele kwaye udiniwe, ikwathatha ixesha lakho kude nabantwana bakho.
Ukusebenza ngokusisigxina kunokuthetha ukuba kufuneka ufumane indawo efanelekileyo yokhathalelo lwabantwana xa ungekho ekhaya nabantwana bakho.
Unokucela nosapho lwakho kunye nabahlobo bakho ukuba bakhathalele abantwana bakho ngelixa usemsebenzini, ubuncinci de uzinze kwakhona.
5. Ukuhambisana nokuhamba
Ngokwedatha evela kwi-Federal Reserve umndilili wentlawulo yemoto ngenyanga e-USA uza phakathi kwe- $ 300- $ 550 ngenyanga kwisithuthi esitsha.
Le mali-mboleko yayibonakala ngathi ngumbono omkhulu xa wawuyinxalenye yosapho ekwabelaneni ngoxanduva lwakho lokuthenga, kodwa njengomama ongatshatanga, intloko yakho inokujikeleza xa uzama ukubala ukuba ungasigcina njani isithuthi sakho.
Njengomama ongatshatanga, ukuthuthwa kubalulekile. Oku kuyimfuneko ukuthatha abantwana bakho esikolweni, ukufumana ukutya, ukuya emsebenzini, kwaye kwimeko kaxakeka.
Ukuba ufumanisa ukuba awunakukwazi ukuhlawula imali mboleko yakho entsha yemoto, unokukwazi ukwenza uthethathethwano nomthengisi ukuba ayibuyise, okanye ungayithengisa kwi-Intanethi kwaye ukhethe imoto esele ikwimeko entle.
6. I-inshurensi yezempilo
Uxanduva lwezonyango ngomnye umceli mngeni wezezimali kumama ongatshatanga owela kuwe njengomzali ongenaqabane.
Ngelishwa, omnye kwabasetyhini uya kuphulukana neinshurensi yezempilo kangangexesha elithile emva komtshato. Oku kunokubangela uxinzelelo olukhulu njengoko usenza lo mngeni.
Ungayivumeli ukuba ikongamele. Njengomama, ngumsebenzi wakho ukuqinisekisa ukuba abantwana bakho bayakhathalelwa, ngakumbi xa kukho into engxamisekileyo.
Yenza uphando ngenkuthalo ukuze uqiniseke ukuba ugqibela ngeyona inshurensi ilungileyo iya kugubungela usapho lwakho ngexabiso eliphantsi.
7. Ukuhlawula amatyala ashiyekileyo
Okukhona nitshatile ixesha elide, kokukhona kunokwenzeka ukuba wena kunye neqabane lakho lenze isixa esithile semali ekwabelwana ngayo.
Mhlawumbi uthenge imoto osayihlawulela, ucinga ukuba iqabane lakho liza kubakho ukunceda ukuyihlawulela.
Ukuqala kobomi bakho njengesibini esitshatileyo kusenokwenzeka ukuba kwakungumzabalazo wezezimali, ukuqala-kwaye kwakungaphambi kokuba ube namakhadi etyala.
Ubambiso, ukubolekwa kwefanitshala kunye nekhadi letyala ngamatyala aqhelekileyo anokushiyeka emva koqhawulo mtshato.
Ukuba la matyala awahlawulwanga enkundleni okanye iqabane lakho liyala ukukunceda uhlawule isabelo, kunokubonakala kunzima kakhulu, ngakumbi xa uzama ukuqala ubomi bakho kwakhona.
Sukuncama
Imiceli mngeni yezemali yomama ongatshatanga emva koqhawulo mtshato akukho lula ukujongana nayo, kodwa ungayeki.
Ngokucwangcisa okufanelekileyo, uncedo kusapho kunye nabahlobo, umonde, kunye nokuzimisela, ungadlula kweli xesha linzima kunye nentloko yakho ibanjiwe phezulu.