Indlu yombhali kakhulu.
Ndingu 22 kwaye ndinendawo yokuhlala efanelekileyo eLalini. Andinguye udade wase-Ecclestone, i-heiress yesichumisi okanye ukuqala ukuthengisa. Ndiyinto yesiqhelo engama-20. Andinazo izitya ezifanayo, kwaye andiqinisekanga ngokupheleleyo ngendlela yokuhlamba impahla ngaphandle kokonakalisa into ethile.
Phambi kokuba ndithenge, ndandikhupha ngaphezulu kwe- $ 2,000 ngenyanga ukuhamba ngenqwelomoya ezine, igumbi eliphakamileyo elizukisiweyo kwinxalenye yeAlphabet City. Esi sakhiwo sasisekhaya kuphela kwiintsuku ezingama-20 ezazicinga ukuba le yindlela ekufanele ukuba siphila ngayo. Kithina, yile nto izindlu zaseManhattan: ziindawo ezoyikekayo zokuhamba-hamba kwiindawo ezinesitayile okanye izindlu zodidi ezihlala abantu abathathu okanye ngaphezulu.
Ezi ndawo zahluke ngokupheleleyo zibhengezwa rhoqo, ngokungaguquguqukiyo nangokuchongiweyo: I-Craigslist, iipali zomnxeba, izithuthi zikawonke-wonke, uFacebook, kunye nokukhohlisa okubomvu AKUKHO NTLAWULO YEMALI EBONAKALISA imiqobo ebaleka umlilo. Nkqu nemivalo iyaqhayisa ngeentengiso ezingama- $ 2,100 6th-imingxunya yokuhamba-phantsi kunye nokunethezeka, nangona incinci, izitudiyo ezikwisakhiwo iMercedes, i-Continental kunye ne-45 Wall. Iiflethi kwi-MiMA okanye kwi-FiDi zenza ukubonakala rhoqo-izifundo zibonisa i-20-somethings zithanda izifinyezo. 
Igumbi lokulala.
Emva kokubala ixabiso lam lokuthenga ngokusekwe kwintlawulo yenyanga eyi- $ 2,000, ndiye ndafumanisa ukuba ukuthengwa okuncinci kunokwenzeka kunye notyalo mali oluvakalayo. Ndinama- $ 50 000 ebhankini-iqanda lendlu yosapho lam elongezwe yimali endiyichithe ngokusebenza kwivenkile ukusukela kwiminyaka ye-14-ndaye ndahlala kuhlahlo-lwabiwo mali olumalunga ne- $ 250,000 ndaza ndaqala ukukhangela uluhlu kwaye ndikhangela iiarhente zezindlu abathengisi. Ukuhamba ngearhente yokuthengisa izindlu nomhlaba kwindawo endala, esisityebi okanye ejolise kusapho, uluhlu lweefestile zabo lufundeka ngoluhlobo: Ipaki yasedolophini iyathengiswa, indlu yaseChelsea iyathengiswa, ikhondomu yesivumelwano. Kroba kuDouglas Elliman ngomhla we-8 no-Broadway-ukurenta, ukurenta ixesha elifutshane, ukuqeshisa. Ngelixa umntu enokucinga ukuba le yindawo yentengiso ekhethekileyo, ukubuyela umva kubudala kuxhaphakile kwizindlu nomhlaba waseNew York.
Iarhente yokuqala yokuthengisa izindlu nomhlaba endiyithumele nge-imeyile yayivela kwi-Key Realty. Uqaphele ukuba umtyikityo wam we-imeyile uthe eyunivesithi kunye nonyaka wokuthweswa isidanga, ephendula, Usesesikolweni, zama isivumelwano seminyaka emibini sokuzibophelela. Besele ndigqibile, kodwa umrhwebi ngokucacileyo wayekile ukufunda ngaphambi kokuba afike kunyaka wokuthweswa isidanga. Kwindlu evulekileyo, umrhwebi ovela kwiBond wabhengeza kwigumbi lokuba akukho namnye kubudala babafundi oza kuqwalaselwa. Unobhala kuMark David undixelele ukuba kuya kuba nzima ukufumana ibhodi yokusebenzisana evumayo ukujongana nam, ngaphandle kwabazali. Uninzi lweearhente zibuze ukuba ndingamfumana na umfaki-sicelo, kwaye zandixhasa ukuba ndiveze ubudala bam. Ngokomthetho, abathengisi abanakho ukubuza ubudala, inqanaba lobudlelwane, imfundo, njl.njl. Ngokwenyani, baya kukubuza kwaye baya kuthatha ukuba uyayifihla into xa ungaphenduli. Nge-22, ndaye ndagqiba kwelokuba lixesha lokuba ndiqale ukuxoka malunga neminyaka yam. Ngendlu elandelayo evulekileyo, ndandineminyaka engama-26 ubudala.
Emva kweenyanga ezisibhozo zokujongana nomrhwebi obalekayo, kungekho mboniso ngexesha lokuqeshwa, kunye nomgca wobudala babafundi, ndafumana isithembiso esamkelweyo- ngaphezulu kwekota yesigidi- kwaye yayilixesha lokuba ndibambise. Kuqala, umrhwebi obambisa ngendlu wayevuya ukujongana nam. Kude kube bafumanise ukuba ingakanani, okanye emehlweni abo incinci kangakanani, imali endiyifunayo. EManhattan, ukubolekwa kwemali eyi- $ 150,000 okanye ngaphantsi kuncinci ngokumangalisayo. Chase kucetyiswa ukuba ndikhangele izibonelelo zakho ngesixa. Endaweni yoko, ndafuna iCiti Bank. Ndivumile kwaye ndilinde ileta yam yokuzibophelela, uCiti wandixhapha ukuya esiphelweni somgca, endinyanzela ukuba ndilinde iiveki eziyi-8 ukuya kwezi-12 (ngokuchaseneyo neentsuku ezingama-30 zesiqhelo) ileta yokuzibophelela ngenxa yemali mboleko yam encinci. Mortgage yam kwaye bendihlala ndityholwa ngokufikisa.
Ngelixa bendijongene nobudenge bemali obambisayo, ndaqonda ukuba ndiza kuyidinga imali-mboleko yokufikelela isixa endisifunayo. Nangona inzala ephezulu ingalunganga, inokuba luncedo olukhulu kubathengi abancinci, ngakumbi abo banembali encinci yamatyala. Ndacwangciswa ukuba ndivale ngokukhawuleza, de umthengisi abone isicelo sam-esityhila ubudala bam, umvuzo kunye nomsebenzi. Ngesiquphe, umrhwebi wagqiba kwelokuba kufuneka ndibonise imali engama- $ 50,000 ngemali emva kokuba ndithengiwe ukuze ndenze umgqatswa onomdla ngakumbi kudliwanondlebe lwebhodi. Andizange ndisihoye isicelo sakhe; ngokunyanisekileyo, andinayo imali eninzi okanye naphi na ukuyifumana, kwaye isicelo sam savunywa ngokukhawuleza, ngokumangalisa umthengisi. 
Ikhitshi.
Udliwanondlebe lwebhodi, nangona kunjalo lwalungenakuthethathethana-ukuba ufuna ukuthenga kwisakhiwo sentsebenziswano, kuya kufuneka udibane nebhodi. Ezinye iibhodi ziba ngqwabalala, zikoyikisa ngayo yonke imigaqo; abanye bafuna nje ukubingelela ngaphambi kokuba ukuthengwa kugqitywe. Ngethamsanqa, ibhodi yayintle kakhulu kwaye yayiqondana, iselula ngokumangalisayo-umongameli wayenento engama-20.
Babenxibe ijean, omnye ebenxibe ne-snapback, kwaye bandinika uKombucha njengoko ndihleli kakubi kwisuti yam, ndizama ukuqonda ukuba kutheni ndichithe iinyanga ezisibhozo ndifihla ubudala bam koontanga bam. Sithethe ngokufutshane ngesi sakhiwo, bandivuyiselana nokuthenga, kwaye bandixelela ukuba bonwabile kukubona omnye umnini-sakhiwo. Ngapha koko, babesenza into yokuba bazise abantu abancinci ngakumbi kwesi sakhiwo, njengabarenti, abanini kunye nabasebenzi. Ngamanye amagama, ibhodi kunye nenkampani yolawulo bebefuna abathengi abancinci nanjengoko iiarhente zezindlu zithengisa.
Ngokubanzi, abo bancinci kunama-32, iminyaka ephakathi yokuthengwa kwepropathi, jonga kweyona ndawo inexabiso eliphantsi ekhoyo. Amabhanki agcina ukuya kuthi ga kwiiveki ezili-12 ukuqinisekisa ukuzibophelela kwimali-mboleko yokuqala. Abarhwebi benza imali encinci kwaye bachitha ixesha elininzi kwi-avareji yokuthenga into engama-20. Bakwabeka emngciphekweni wokubeka iinyanga zomsebenzi kumqeshi osengozini yokuphikwa yibhodi engqongqo. Lo mngcipheko, kubarhwebi, ubonakala umkhulu kunomvuzo wokuvula inani elitsha labathengi abajonga ubunini bepropathi njengenye indlela efanelekileyo, enye indlela yokubiza inombolo kwi-NO FEE sign. Ngelixa iinkampani zolawulo zixakene nokutsala abathengi abancinci, ukubekwa kwebala kwabathengisi kunye nokwesaba kwababolekisi eNew York kuqhubela phambili isixeko sabaqeshi, besoyika kakhulu, bengafuneki kwaye bengazi ukuba bazame ukuthengwa kwepropathi.
Indlu yam e-Greenwich Village iyonwabile, nganye yeenyawo zayo ezingama-418 ibhengeza ngokuphumelela, ndiyakha ubulungisa! Ngelixa ukubhala umrhumo wolondolozo kuhlala kutsha, i-sting ingaphantsi kakhulu kunokuphosa i-2,000 yeedola kwinkampani yolawulo engaziwayo. Intlawulo yam yenyanga, kubandakanya isondlo, imalunga ne- $ 2,100 ngoku. Ukutyala imali kwiManhattan real estate kubuhlungu, kuthatha ixesha kwaye kuyilelwe ukukhuphela ngaphandle abantu abancinci. Kodwa ayisinqandi sonke. Lindela i-20-yeentsuku zokugcwala kweCawa izindlu ezivulekileyo, zidiniwe kubusuku bangaphambili, kodwa zilungiselelwe ngakumbi kunokuba uninzi lunokuqonda ukuthenga iphedi yeSixeko saseNew York. UKUHLAZIYA: Abafundi abaninzi babuze malunga neenkcukacha ezichanekileyo ezijikeleze ukuthengwa kombhali kwigumbi lakhe lokusebenzisana. Ixabiso lokuthenga elidweliswe kwiirekhodi zedolophu liphezulu kunemali ebhajetelwe ngumbhali kuba iirekhodi zesixeko azibonisi ixabiso lokubuyiselwa kwemali eliqhelekileyo xa kuthengwa intsebenziswano ehleli kumhlaba oqeshiweyo. Ngapha koko, umthengi wayenenzuzo yomntu otyikityo-isihlobo esivumile ukubakho kwitayitile.
