Mutha kumangirira mfundo kapena kukhala ndi moyo koma momwe mukugawana ndalama muubwenzi zitha kuthandizira kwambiri kusankha momwe ubalewo ungakhalire wopambana pamapeto pake.
Mukayamba chibwenzi ndikuyang'ana kuyanjana, pambuyo pa kuyanjana kwamaganizo ndi thupi, chinthu chofunikira kwambiri ndi kuyanjana kwachuma.
Mmene mumayendetsera ndalama zanu monga banja zimasonyeza momwe ubale wanu udzakhala wamtendere, wosangalatsa, kapena wokhutiritsa. Nthawi zina okwatirana amakhala ndi ntchito zolipira zambiri koma nthawi zambiri amawononga ndalama zomwe amapeza chifukwa chosowa dongosolo lazachuma.
Ndipo nthawi zambiri m’moyo wawo amadzipeza ali olemedwa ndi ngongole ndi ngongole zanyumba. Kugawana ndalama muubwenzi kungakhale gawo loyamba lokonzekera zandalama ndikusunga ndalama, ngongole, ngongole, ndalama zomwe mumapeza ndikugwiritsa ntchito, kungakuthandizeni kukonzekera tsogolo lanu bwino.
Momwe mumagawaniza mabilu mukalowa m'banja, momwe mumagawaniza ndalama zatchuthi ndi mwamuna wanu komanso ngati mukugawa ndalama 50/50 zimapita kutali kuti mutsimikizire kuti mudzakhala ogwirizana bwanji pazachuma pamapeto pake.
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Kodi Anthu Okwatirana Amagawana Ndalama Zotani?
M'ndandanda wazopezekamo
Ngati anthu awiri akukhala limodzi ndipo ali pachibwenzi, n'zotheka kuti azigawana ndalama zomwe akugwiritsa ntchito. Koma kugawana ndalama muubwenzi sikophweka monga momwe zimamvekera. Mabanja ambiri amati kugawana ndalama kumakhala fupa la mikangano.
Nthawi zina amayi amayembekezera kuti abambo azilipira kwambiri ndipo amafuna kusunga ndalama zawo mu akaunti yosungira. Mwachitsanzo Jennifer Wachowski (dzina losinthidwa) sanalandire theka la ndalama zomwe mwamuna wake yemwe anali katswiri waukadaulo koma amamvetsetsa kuti ayendetsa masewerowa ndipo amapulumutsa ndalama zake. Atangoganiza zogula malo ndi iye amene adatenga ngongole ndikulipira ngongole.
Palibe buku la malamulo ogawana ndalama, banja lililonse limachita mwanjira yawoyawo. Koma kugawana ndalama muubwenzi kuyenera kukhala chisankho choyankhulidwa bwino, chokonzedwa mwanzeru.
Siziyenera kukhala masewera amphamvu pomwe munthu mmodzi amatenga chisankho ndipo winayo akutsatira. Chiyenera kukhala chisankho chogwirizana chomwe chiyenera kutsatiridwa mosamala.
Katswiri wa zamaganizo Kavita Panyam anati, “Onse awiri akamagwira ntchito, onse awiri amatha kulipira malinga ndi malipiro ndi zosowa zawo. Kugawa ndalama kungachitike malinga ndi ndalama zomwe amapeza. Mkazi akhoza kusamalira zosowa zake zofunika ndi ndalama zake komanso mwamuna wake. Ngati mkazi sakugwira ntchito ndiye kuti bajeti ingagwire ntchito bwino. Ponena za gawo la 50-50, ichi ndi chisankho chaumwini pakati pa okwatirana.”
Iye anawonjezera kuti, “Komabe, nthawi zonse ndibwino kuti mkazi akhale wodziyimira pawokha pazachuma. Ayenera kukhala wokhoza kusamalira zosowa zake. Pankhani ya akazi omwe sakugwira ntchito, koma ali ndi katundu komanso ndalama, angagwiritse ntchito njira yolumikizirana ndi oyang'anira nyumba pamodzi.
Ngakhale kuti banja lililonse limakhala lodziimira paokha pazachuma komanso kusankha zochita, mgwirizano umene amagawana nawo kapena kusowa kwawo ndi umene ungathandize kwambiri posankha zochita.”
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Njira 9 Zogawana Ndalama Paubwenzi
Mpaka pano m'nkhaniyi, tazindikira kuti palibe lamulo lolimba komanso lachangu pakugawana ndalama muubwenzi.
Koma malamulo ena ofunikira akhoza kutsatiridwa kuti pasakhale mikangano ndi mavuto okhudzana ndi zachuma muubwenzi. Ngati mutsatira malamulo 9 awa okhudza kugawana ndi kugwiritsa ntchito ndalama, mudzakhala ndi moyo wabwino pazachuma.
1. Kugawa mabilu potengera ndalama zomwe amapeza
Mungakhale mukukhala m'nyumba yobwereka kapena mukanakhala kuti mwayika ndalama m'nyumba ndipo muyenera kulipira ndalama zokwana mwezi uliwonse (EMI) pa ngongole ya nyumba. Munkhani yake ya zachuma, Suze Orman akuuza maanja kuti, "Werengani ndalama zomwe mumalipira pamwezi. Kenako onjezerani ndalama zonse zomwe mumalipira pamwezi panyumba. Mawu ofunikira pano ndi monga ngongole ya nyumba kapena lendi, ndalama za chakudya, ndalama zolipirira galimoto, ndi zina. Siyani kugwiritsa ntchito latte yanu yam'mawa ndi umembala wa masewera olimbitsa thupi, pokhapokha ngati zikugwirizana ndi dongosolo la banja."
Momwe mungagawire mabilu
Kodi mumagawaniza bwanji mabilu wina akapeza zambiri? Orman amagwiritsa ntchito chitsanzo ichi pofotokoza ndondomekoyi: Munthu mmodzi amapanga $3,000 pamwezi ndipo wina amapanga $7,000. Kupita kunyumba pamwezi ndi $10,000. Chifukwa chake ndikwabwino kugawa mabilu potengera ndalama zomwe amapeza.
"Tsopano, tiyeni tinene mwachitsanzo ichi kuti ndalama zonse zomwe zimagawidwa - ngongole, zothandizira, chakudya, malipiro a galimoto, ndi zina zotero - ziwonjezeke mpaka $ 3,000. Izi ndi 30 peresenti ya malipiro anu opita kunyumba $ 10,000, kotero munthu aliyense amapereka 30 peresenti ya malipiro ake pamwezi ku akaunti yanu yanyumba. izo mu akaunti yanu ya cheke kapena ndalama.”
Chifukwa chake zikafika pa renti kapena ngongole yokhala ndi akaunti yolumikizana komwe EMI imalipidwa, ndi lingaliro labwino.
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2. Khalani ndi bajeti ya mwezi uliwonse
Iyi ndi gawo lofunika kwambiri pogawana ndalama zomwe mumagwiritsa ntchito muubwenzi. Mumakonza bajeti ya banja ndipo mumakhala ndi bajeti ya munthu payekha pa ndalama zomwe mumagwiritsa ntchito payekha.
May Owen, katswiri wa IT anati, "Tinali ndi bajeti yapakhomo yomwe timagwiritsira ntchito mpaka pakati pa mwezi. Ndiye tidzakhala osangalala kuti tidawononga ndalama zambiri ndipo tinkayamba kugula zinthu zogulitsira kukhitchini, zophimba zodula kapena mawotchi apakhoma poganiza kuti tili mkati mwa bajeti ndikuzindikira kuti kumapeto kwa mwezi tinali titadutsa bajeti."
Malamulo anu a ndalama
Kotero pali malamulo ena ogwiritsira ntchito ndalama omwe ayenera kutsatiridwa ngati okwatirana akufuna kumamatira ku bajeti pamene akugawa ndalama.
- Khalani pamodzi ndi kusankha kuchuluka kwa ndalama zomwe apereke ku bajeti
- Phunzirani mwatsatanetsatane za bajeti kumayambiriro kwa mwezi uliwonse
- Yang'anirani momwe mungagwiritsire ntchito kirediti kadi ndikuwonetsetsa kuti ngakhale mukugwiritsa ntchito kirediti kadi yanu mukukhala mkati mwa bajeti
- Onetsetsani kuti ndalama zonse zomwe muli nazo zawerengedwa
- Khalanibe ndi tabu pa bajeti yanu payekha ndi ndalama komanso
3. Khalani ndi ndondomeko ya bajeti
Si anthu ambiri omwe amatsatira izi koma iyi ndi njira yabwino kwambiri yosungira ndalama zanu ndikugawa ndalama zanu. Ngati mulemba zonse mu pepala la bajeti (mutha kusankha pepala la Excel) limakhalapo nthawi zonse mukafuna kuwunikira ndikusankha.
Pakhoza kukhala mwezi womwe mwawononga zambiri pazakudya komanso zochepa pa zosangalatsa. Mutha kugawanso ndalama mu bajeti yanu ngati zili choncho.
Pulogalamu ya bajeti
Pulogalamu ya bajeti ikhoza kukhala ndi zotsatirazi:
- Zosungira - Zadzidzidzi, za mapulani opuma pantchito komanso maphunziro
- Nyumba - Gawoli lidzakhala ndi ngongole zanyumba ndi lendi, misonkho, ndalama za inshuwaransi ndi kukonzanso
- Transportation - Kuwononga ndalama zoyendera anthu onse ndikukonza zoyendera zapayekha
- Zakudya - zakudya, nyama ndi masamba, kudya kunja
- Zosangalatsa - Tchuthi, makanema ndi kuyitana alendo
- Health - Mankhwala okhazikika, inshuwaransi yaumoyo komanso zinthu zodzisamalira
Magawo osiyanasiyana a bajeti iyi adzakhala udindo wa aliyense.
4. Khalani ndi gawo la ngongole zanu
Ngongole zitha kuphatikiza ngongole za katundu ndi magalimoto, ma EMI pangongole ya ophunzira kapena chindapusa chapachaka chapasukulu kapena ndalama za inshuwaransi yazaumoyo. Ngati mungasunge ndalama zomwe mumawononga pachaka pa ngongole ndiye kuti simungadziwike mwadzidzidzi chifukwa ndalama za inshuwaransi yazaumoyo zitha kuwoneka ngati zowopsa.
Njira yabwino yogawana zowonongera muubwenzi ndikulipira ngongoleyo payekhapayekha. Ngakhale bwenzi limodzi likhoza kukhala ndi udindo wa inshuwalansi ya umoyo wina akhoza kusamalira ndalama zapachaka.
5. Osakhalira kukana
Ngakhale kuyang'anira ndalama muubwenzi ndikugawa mabilu ndi abwenzi awo akukhala mokana kumakhala njira yothanirana ndi mabanja ambiri.
Safuna kukhulupirira ndalama zawo zapamwezi ndi zapachaka. Mwachitsanzo, ngati ndalama zawo zoyendera pamwezi ndi $500 amaziyika pansi pa $300 mu bajeti ndikuganiza kuti angakwanitsedi kuchita zimenezo.
Amakhosomola $ 200 yowonjezereka ndikulephera kutsatira. Chifukwa chake pamapeto pake samapeza chithunzi chenicheni cha ndalama zomwe amawononga ndipo amakhala akukana kuti akuwongolera mkati mwa bajeti.
Pewani zinthu ngati izi ndipo khalani ndi malingaliro oti munene zokopa ndikukhala ndi lingaliro loyenera la ndalama zanu.
6. Ganizirani za kusintha kwa nthawi
Anthu awiri akhoza kukhala akulandira ndalama nthawi ina kenako mnzawo m'modzi angasankhe kupuma pang'ono kuti alere ana ndipo nthawi zina wina angafune kupuma kuntchito ndikuyesera zinthu zatsopano kapena kukhala mwamuna wapakhomo . Nthawi imeneyi ndi yomwe mukufunika dongosolo lothandizira.
Njira yabwino ingakhale kuyika malipiro ophatikizana muakaunti yolumikizana ndiyeno ndalama zofananira zimasamutsidwira ku akaunti imodzi. Kutengera ndi momwe munthuyo amawonongera ndalama, atha kukulitsa pa akauntiyo ngati akufuna kupuma pantchito.
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7. Osafanizira zopeza
Mukasamalira ndalama muubwenzi ndikugawa mabilu ngati banja, musayerekeze ndalama zomwe mumapeza. Iyi ndi njira yabwino yopewera mavuto a kudzikuza ndi mpikisano pamene mukugawana ndalama muubwenzi.
Padzakhala nthawi zina pamene m'modzi angapeze ndalama zambiri, wina akhoza kutenga nthawi yosamalira ana osalandira kalikonse kapena pangakhale kufunika kolowa nawo ntchito yochepetsera malipiro chifukwa cha kayendetsedwe ka msika.
Nthawi zonse muziona ndalama zomwe mumapeza ngati ndalama zomwe mumapeza limodzi ndipo aliyense amene amapeza zambiri amatanthauza kuti akuwonjezera ndalama zomwe mumapeza limodzi zomwe ndi zabwino kwa banja limodzi. Chotsani mavuto a kudzikuza.
8. Lipirani kuchokera ku ndalama imodzi, sungani ku ina
Njira yabwino yogawira ndalama muubwenzi ndikulipira ndalama zonse kuchokera pamalipiro a munthu m'modzi ndikugwiritsa ntchito malipiro a winayo posunga ndi kuyikapo ndalama.
Mwachiwonekere amayenera kukhala ndi ufulu kuti athe kuwononga ndalama zawo pamalipiro awo akafuna koma kumvetsetsa kwabwino kudzafunika kumamatira ku lamulo la ndalama izi. Koma maanja omwe amatsatira izi amakhala ogwirizana kwambiri pazachuma ndipo amakhulupirirana kwambiri nthawi zambiri.
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9. Kugawana zinthu potengera kudalirana
Izi zitha kutheka kokha ngati onse awiri ali ndi chidziwitso chosaneneka ndipo ali otsimikiza kuti akukhala mosangalala mpaka kalekale.
Richie Wilson, wotsogolera zolankhulana zamakampani, adati m'zaka zake 20 zaukwati sipanakhalepo njira yoti ndani adalipira. "Ndikhoza kupita kuntchito ndipo mwadzidzidzi ndikukumbukira kuti bilu yamagetsi iyenera kulipidwa, ndimangomuuza mkazi wanga kuti achite zimenezo. Akhozanso kundiyitana kuntchito ndikundiuza kuti ndipite kunyumba zikwi zingapo kuchokera ku ATM chifukwa tinali ndi alendo ndipo tinayenera kulipira mawa lake. Sizinakhale zanu ndi zanga, zakhala zathu nthawi zonse, ndipo malingana ndi nthawi ndi momwe aliyense angalipire."
Komanso, Richie ndi mkazi wake sanakhalepo ndi akaunti yogwirizana koma ali ndi ndalama zogulira, katundu, inshuwalansi yazaumoyo ndi zina zotero. Amati alemera limodzi.
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Palibe yankho lenileni la funsoli. Okwatirana ayenera kuchita zomwe zimawagwirira ntchito. Ndicho chimene Suze Orman akunenanso . Akukhulupirira kuti nthawi zina sizingatheke kugawa ndalama zokwana 50-50 chifukwa okwatirana sapeza ndalama zofanana.
"Mmodzi adzalandira zambiri ndipo winayo adzalandira zochepa koma ngakhale zili choncho, ngati pali kugawanika kwa ngongole za 50-50 kungayambitse kukhumudwa ndi mkwiyo," adatero Suze Orman. Chifukwa chake molingana ndi ndalama za omwe akugawana nawo, kupatukana kutha kuchitika 70-30.
Winona Conway, amene wakhala m’banja kwa zaka 5 tsopano, akuti kugaŵana ndalama zenizeni kumamupangitsa kumva ngati akukhala ndi mnzake. “Pali miyezi ina ndimalipira ngongole yamagetsi kapena yantchito ya mdzakazi ndipo pali miyezi ina mwamuna wanga amalipira.
"Palibe lamulo lovuta komanso lofulumira. Ngakhale kuti malipiro anga ndi ochulukirapo kuposa ake koma palibe nthawi iliyonse muubwenzi wathu, izi zimatengedwa ngati maziko ogawanitsa ndalamazo. Kumapeto kwa mwezi, timangoonetsetsa kuti tili ndi ndalama zokwanira mu akaunti yathu yakubanki ndizo zonse."
Choncho pomaliza kugawana ndalama mu ubwenzi ndi chinthu methodical mosakayikira koma zimatengera njira ntchito kwa banja. Maanja ena amaona kuti kusungitsa ndalama zambiri komanso kuwerengera kumawaletsa komanso ngakhale kusokoneza maganizo kotero kuti amasunga mfundo zofunika kwambiri. Koma amakwanitsanso kukulitsa ndalama zawo. Ganizilani kuti ndizomwe mumazitcha kugwilizana ndi zachuma kumapeto kwa tsiku.
Ibibazo
Sizotheka nthawi zonse kukhala pachibwenzi ndi anthu 50-50 pazachuma koma ngati onse awiri akugwira ntchito, pakhoza kukhala njira yogawanitsira ndalama. Ndalama monga momwe Suze Orman akunenera, "Onjezani ndalama zomwe mumalipira pamwezi zomwe mumalipira kunyumba. Kenako onjezerani ndalama zonse zomwe mumalipira pamwezi zomwe mumalipira panyumba. Mawu ofunikira pano ndi omwe amagawidwa - monga ngongole ya nyumba kapena lendi, ndalama za chakudya, ndalama zolipirira galimoto, ndi zina."
Tikukhala m'dziko lomwe anthu ambiri ndi ofanana pakati pa amuna ndi akazi, komwe amuna sayenera kuyembekezera kuti azitsatira miyambo yawo ndikupitiriza kulipira zinthu akamacheza. Amuna ndi akazi onse ayenera kugawana ndalama zolipirira chibwenzi kapena kusinthana malipiro pa chibwenzi.
Ngati onse awiri akupeza ndalama ndiye kuti onse awiri agawane mabilu. Koma ngati munthu mmodzi akugwira ntchito ndipo winayo akusamalira kunyumba ndi ana ndiye kuti amene amalandira malipiro amalipira.
Malinga ndi kafukufuku yemwe anachitika ndi salary.com ngati amayi ankalipidwa ntchito zawo zapakhomo ndiye kuti amapeza ndalama zoposa $170,000 pachaka. Koma popeza kuti zimenezo sizingatheke pakali pano chimene mwamuna angachite ndicho kumpatsa ndalama kuti asamalire zosoŵa zake. Ayenera kuonetsetsa kuti akumva kuti akusamalidwa.
Chopereka chanu sichikutanthauza chopereka chachifundo . Chidzalola Bonobology kupitiliza kukubweretserani chidziwitso chatsopano komanso chaposachedwa poyesetsa kuthandiza aliyense padziko lonse lapansi kuphunzira momwe angachitire chilichonse.
