Xa usiva igama elithi “ixabiso elifikelelekayo,” yintoni ethi qatha kuqala engqondweni? Ingaba yinto etshiphu? Ngaba ikho into engafanelekanga ngemali? Okanye ngaba yinto onokuthi uyihlawule?
Iindlela ezifikelelekayo ezinokufikeleleka. Yinto onokuthi uyithenge okanye uyihlawule ngaphandle kokubeka i-dent ebalulekileyo kwi-wallet yakho. Ixabisa ngokufanelekileyo ngaphandle kokuba ingabizi.
Makhe sijonge inkcazo kunye neminye imizekelo.
Kule posi siza kugubungela:
Kuthetha Ukuthini Ngokwenene “Ukufikeleleka”?
Xa sisiva igama elithi “ixabiso elifikelelekayo,” siye sicinge ngento engabizi kakhulu okanye efikelelekayo. Nangona kunjalo, intsingiselo yokwenyani yokufikeleleka yinto nje enokufumaneka ngaphandle kokubangela uxinzelelo lwezemali. Ngamanye amazwi, yinto enexabiso elifanelekileyo kwaye ayiyi kuphula ibhanki.
Ngokutsho kwesichazi-magama sesiNgesi, “ixabiso elifikelelekayo” sisichazi esichaza into ekwaziyo ukufikeleleka. Oku kuthetha ukuba ixabiso lento okanye inkonzo ayiphezulu kakhulu kwaye inokuthengwa ngaphandle kokubeka i-dent ebalulekileyo kwi-wallet yomntu.
Imizekelo yeeMveliso neeNkonzo ezifikelelekayo
Nantsi eminye imizekelo yeemveliso ezifikelelekayo kunye neenkonzo ezidla ngokuthengwa okanye eziqeshwayo:
- Impahla: Impahla efikelelekayo inokufumaneka kwiivenkile ezininzi, phakathi kwabantu nakwi-intanethi. Oku kuquka izinto ezifana nezikipa, ijean, neelokhwe ezixabisa ngokufanelekileyo nezingayi kuxabisa intywenka yemali.
- Ukutya: Ukutya ezivenkileni kunokubiza imali eninzi, kodwa zininzi izinto onokukhetha kuzo ezifikelelekayo. Iindawo zokutyela ezikhawulezayo, iilori zokutya, kunye neendawo zokutyela ezihlala phantsi zibonelela ngezidlo ezingabizi kakhulu kwaye aziyi kwaphula ibhanki.
- Iincwadi: Ukuthenga iincwadi kusenokubiza imali eninzi, kodwa zininzi izinto onokukhetha kuzo ezifikelelekayo. Oku kuquka ukuthenga iincwadi ezisetyenzisiweyo, ukurenta iincwadi kwithala leencwadi, okanye ukuthenga iincwadi ze-e-book kwi-intanethi.
- Izindlu: Izindlu ezifikelelekayo zilungiselelwe abantu abangathathi ntweni. Oku kuquka iiyunithi ezirentwayo okanye ezithengwa ngexabiso eliphantsi kunezinye iindlela zezindlu.
Ukubaluleka kwamaxabiso afikelelekayo kwiShishini
Kumashishini, ukunika amaxabiso afikelelekayo kubalulekile ekutsaleni abathengi kunye nokwandisa intengiso. Ngokugcina amaxabiso afanelekileyo, amashishini anokubhenela uluhlu olubanzi lwabathengi kwaye akhe isiseko sabathengi abathembekileyo.
Ukongeza, ukunika amaxabiso afikelelekayo kunokunceda amashishini ukuba abonakale kwindawo yentengiso exineneyo. Ngokhetho oluninzi olukhoyo kubathengi, amashishini anikezela ngamaxabiso aphantsi anokuthi atsale abathengi kwaye andise ingeniso yawo.
Izindlu ezifikelelekayo zithathwa njengezifikelelekayo kwabo banengeniso yekhaya eliphakathi njengoko ihlelwa lilizwe, iState (iphondo), ummandla okanye umasipala ngeSalathiso esamkelweyo sokufikeleleka kwezindlu. EOstreliya, iNational Affordable Housing Summit Group iphuhlise inkcazo yayo yezindlu ezifikelelekayo njengezindlu ezithi, “…yanele ngokufanelekileyo kumgangatho kunye nendawo kumakhaya amkela umvuzo ophantsi okanye ophakathi kwaye ayibizi mali ininzi kangangokuba usapho alufane lube nako ukuhlangana. ezinye iimfuno ezisisiseko ngokuzinzileyo.” EUnited Kingdom izindlu ezifikelelekayo ziquka “izindlu ezirentwayo neziphakathi, ezinikezelwa kumakhaya athile afanelekileyo nazimfuno zawo ezingafikelelwayo yimarike.” Uninzi loncwadi olumalunga nezindlu ezifikelelekayo lubhekiselele kwinani leefomu ezikhoyo ngokuqhubekayo - ukusuka kwiindawo zokuhlala ezingxamisekileyo, ukuya kwizindlu zexeshana, ukuya kwizindlu ezirentwayo, ukuya kwirente yezindlu ezingezizo ezentengiso (ekwaziwa ngokuba yizindlu zokuhlala okanye ezixhaswa ngemali), ukuya kwirenti esesikweni nengekho sikweni, kwizindlu zemveli. kwaye iphele ngobunini bendlu obufikelelekayo. Ingcinga yokufikeleleka kwezindlu yasasazeka ngeminyaka yoo-1980 eYurophu nakuMntla Melika. Iqela elandayo loncwadi liyifumene iyingxaki. Okuqaphelekayo, utshintsho kumgaqo-nkqubo wezindlu wase-UK kude nesidingo sezindlu ukuya kuhlalutyo olujolise ngakumbi kwimarike yokufikeleleka kwacelwa umngeni nguWhitehead (1991). Eli nqaku lixoxa ngemigaqo elele emva kweengqikelelo zemfuno kunye nokufikeleleka kunye neendlela eziye zachazwa ngayo. Eli nqaku lijolise ekufikeleleni kwezindlu ezihlala umnini kunye nezindlu ezirentisayo zabucala njengoko izindlu zoluntu ziyi-tenure ekhethekileyo. Ukhetho lwezindlu luyimpendulo kuluhlu oluntsonkothileyo lwezoqoqosho, ezentlalo, nezengqondo. Ngokomzekelo, amanye amakhaya asenokukhetha ukuchitha imali eninzi ekuthengeni izindlu kuba evakalelwa kukuba ayakwazi ukuyihlawula, ngoxa amanye engenakuzikhethela. EUnited States naseKhanada, umgaqo oqhelekileyo owamkelwayo wokufikeleleka kwezindlu yindleko yendlu engagqithiyo kwi-30% yomvuzo opheleleyo wekhaya. Xa iindleko zenyanga zokuthwala ikhaya zingaphezu kwama-30–35% engeniso yekhaya, loo nto ithetha ukuba ayifikeleleki loo ndlu. Ukumisela ukufikeleleka kwezindlu kunzima kwaye isixhobo esisetyenziswa ngokuqhelekileyo kwinkcitho-mali ukuya kwingeniso kuye kwacelwa umngeni. IKhanada, umzekelo, itshintshele kumgaqo we-25% ukusuka kumthetho we-20% kwiminyaka yee-1950. Ngeminyaka yoo-1980 oku kwathatyathelw’ indawo ngumthetho we-30%. I-Indiya isebenzisa umthetho we-40%.
isiphelo
Ke, ezifikelelekayo kuthetha ukuba unokuthenga into ngaphandle kokubeka i-dent ebalulekileyo kwi-wallet yakho. Yindlela entle yokuchaza izinto ezinexabiso elivakalayo kunye neenkonzo abantu abadla ngokuzithenga okanye bazirente.
Ngoko ke, musa ukoyika ukusebenzisa igama elithi “ixabiso elifikelelekayo” ekubhaleni kwakho. Isenokwenza ukuba ukubhala kwakho kube nomdla ngakumbi!
NdinguJoost Nusselder, umseki weZixhobo zeGqirha, umthengisi womxholo, kunye notata. Ndiyathanda ukuzama izixhobo ezitsha, kwaye kunye neqela lam ndiye ndenza amanqaku ebhlog anzulu ukusukela ngo-2016 ukunceda abafundi abathembekileyo ngezixhobo kunye neengcebiso zokwenza.
