Njira 8 Zodzitchinjiriza Ukamacheza ndi Mwamuna Omwe Sali Wokhazikika Pazachuma

Tonsefe takulira pa mfundo yakuti ndalama sizingakugulireni chimwemwe, ndipo n’zoona. Ndalama sizingakugulireni chilichonse. Koma ngakhale tikukana bwanji, kukhala ndi chibwenzi ndi mwamuna yemwe sali wokhazikika pazachuma nthawi zambiri kumabweretsa chiwonongeko. Mavuto azachuma a wokondedwa wanu amakhudzanso ubale wanu. Ndipo kukhala ndi bwenzi lodziyimira pawokha pazachuma kapena wokhazikika kumapangitsa kuti ubale ukhale wosavuta. Zikumveka zokonda chuma? Ndiloleni ndifotokoze.

Kukhazikika kwachuma kungatanthauze zinthu zosiyanasiyana kwa anthu osiyanasiyana, koma pali zinthu zingapo zofanana. Munthu wokhazikika pazachuma adzakhala ndi ndalama zomwe zingawathandize moyo wake, ndipo adzakhalabe ndi ndalama zotsala kumapeto kwa mwezi. Adzakhala ndi ngongole yabwino ndipo adzakhala opanda ngongole. Ngati alibe ngongole pakali pano, ndiye kuti akutsata ndondomeko yopita kumeneko. Chofunika kwambiri, ayenera kukhala ndi ndalama zokwanira zosungirako pazochitika zazing'ono monga kuwonongeka kwa galimoto kapena ulendo wopita kuchipatala.

Cholakwa chimene anthu ambiri amachita n’chakuti amaganiza kuti ngati mwamuna sali wokhazikika pazachuma, n’chifukwa chakuti sapeza ndalama zokwanira. Kwa iwo, ndalama ndizo zokopa. Zimenezo si zoona kwenikweni. Mutha kukhala mabiliyoni ambiri wokhala ndi ndalama zambiri komanso magalimoto atatu apamwamba koma osakhazikika pazachuma. Ngati simukonza zandalama zanu ndikuwononga mosasamala kapena kutchova juga, ndiye kuti ngakhale mutakhala wolemera bwanji, mutha kutha.

Chifukwa chimene mwamuna wokhazikika pazachuma amakopeka osati chifukwa cha kuchuluka kwa ndalama zomwe wasunga, koma chifukwa chakuti amakonzekera, amapewa zoopsa zosafunikira, ndipo ali ndi udindo. Mwachibadwa timakopeka ndi kupeza mwamuna kapena mkazi amene timaona kuti ndi wokhoza kutisamalira komanso kutisamalira ana athu. Timayang'ana mikhalidwe yokongola iyi yaudindo, kupewa ngozi zosafunikira, m'mbali zonse za bwenzi lomwe lingakhalepo - osati zachuma. Kotero, ngati ndinu mtundu wa mwamuna yemwe ali ndi chizolowezi choyika ntchito yanu ndi moyo pachiswe, ndiye kuti mwayi wokhala pachibwenzi kwa nthawi yaitali udzakhala wovuta kwambiri kwa inu.

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Kudikirira kuti munthu akhale wokhazikika pazachuma kumamveka ngati kutsutsana ndi chibadwa, komabe, pali anthu ambiri kunja uko pachibwenzi ndi munthu yemwe akuvutika ndi ndalama. apa pali chikhulupiriro kuti pamapeto pake adzatulukamo. Komabe, nthawi zina mapulani okonzedwa bwino amasokonekera. Nazi zina mwa zinthu zomwe munthu angachite kuti adziteteze ku mavuto omwe angakhalepo pamene ali pachibwenzi ndi mwamuna yemwe sali bwino pazachuma.

Njira 8 Zodzitchinjiriza Ukamacheza ndi Mwamuna Omwe Sali Wokhazikika Pazachuma

Madera ambiri akadali nawo maudindo apachikhalidwe, koma posachedwapa, tawona kusintha kwa kayendetsedwe kake. Amayi ochulukirachulukira akusankha ufulu wodziyimira pawokha komanso akufuna kufanana m'gawo lililonse, kuphatikiza maubwenzi ndi chibwenzi. Ichi ndi chinthu chabwino chifukwa pokhapokha ngati ndinu wolowa nyumba kapena wolowa nyumba, chibwenzi chikhoza kukhala chokwera mtengo ngati katundu yense wachuma agwera paphewa limodzi lokha.

Ndipo ngati ubale wanu wapano ukukupangani kukhala ndi malingaliro ngati, "Chibwenzi changa chikundiwonongera ndalama", apa pali zina zomwe mungachite.

1. Lankhulani za ndalama

Mukamacheza ndi mwamuna yemwe sali bwino pazachuma, kambiranani za zachuma kumayambiriro kwa chibwenzicho. Malire a zachuma ndi mtundu wofunika kwambiri wa malire, ndipo umakhazikitsidwa bwino kumayambiriro kwa chiyanjano.

Kambiranani ndi kumvetsetsa manambala, ndikuwona zomwe mukuwonongera pamodzi. Renti, chakudya, galimoto, kuyenda, zosangalatsa, zofunikira. Mukapeza manambala, zidzakupatsani lingaliro labwino la momwe mungasungire ndalama muubwenzi. Ndikudziwa kuti kuyankhula zandalama sikukhala zachikondi, koma ndikofunikira mukakhala pachibwenzi ndi mwamuna yemwe akuvutika ndi ndalama.

2. Khalani ndi maakaunti osiyana mukamacheza ndi mwamuna yemwe sali bwino pazachuma

Patatha miyezi 6 ali pachibwenzi, Patricia ndi Dave adaganiza zosamukira limodzi. Pokondana kwambiri, adaganiza zokhala ndi akaunti yolumikizana komwe onse amapeza ndalama zawo. Iwo akanatero kugawana ndalama zawo ndi akhoza kutenga ndalama nthawi iliyonse yomwe angafunikire. Zinali kuyenda bwino mpaka tsiku lina Patricia anapeza kuti nkhani yatha.

Anadabwa kwambiri. Ali ku banki, anapeza kuti Dave ankangotenga ndalama zambirimbiri. Patricia atamufunsa za nkhaniyi, ananena kuti nthawi zambiri ankathera pa mapwando ndi maholide limodzi ndi anyamatawo. Panthawiyi, Patricia analephera kuganiza kuti, "Chibwenzi changa chikundiwonongera ndalama". Iye anauza Dave kuti akanayenera kukambilana naye asanagule zinthuzo chifukwa ndi ndalama zawo zonse. Anaganiza zokhala ndi maakaunti osiyana kuyambira nthawi imeneyo.

Ngakhale kuti ndi zachilendo kuti maanja ambiri azikhala ndi maakaunti olumikizana, ndikwabwino kukhala ndi akaunti yakubanki yosiyana nokha mukamacheza ndi mwamuna yemwe sali bwino pazachuma. Mwanjira imeneyi, mukhoza kumuthandiza panthaŵi imene akufunika thandizo komanso kusunga ndalama zimene mwawonongera.

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3. Kugawana ndalama zanu

Mukakhala pachibwenzi ndi mwamuna yemwe sali bwino pazachuma, pamakhala mwayi woti mwina mumaganiza kuti, "Ndimawononga ndalama zambiri kwa bwenzi langa kuposa momwe amachitira kwa ine." kapena "Kodi chibwenzi changa chikundigwiritsa ntchito ndalama?” Ngakhale kuli koyenera kuti pamper mwamuna wanu nthawi ndi nthawi, ngati mukuyamba zindikirani chitsanzo chimene mumathera kulipira chilichonse nthawi zambiri, ndiye kuti maganizo anu ndi olondola ndipo mwina zoona Njira yabwino yothetsera zimenezi ndi kulankhula ndi mnzanuyo ndi kuumirira kupita Dutch mu ndalama zonse zamtsogolo.

Sitingakane kuti nthawi zina timakhala pachibwenzi ndi anthu oopsa omwe amatigwiritsa ntchito kuti tipeze ndalama. Ngakhale kuti maganizowo ndi okhumudwitsa, koma ndi zoona zenizeni. Ngati muli pachibwenzi ndi mwamuna yemwe ali ndi mavuto azachuma ndipo amangokhalira kuwononga ndalama zanu, ndiye kuti akukugwiritsani ntchito motsimikiza.

Komabe, ndizothekanso kuti mnzanuyo sadziwa zomwe amachita komanso zomwe amachita. Kulankhulana naye kumamupangitsa kuzindikira machitidwe ake. Amakhala wokonzeka kuyamba kugwira ntchito pazachuma chake ndikuyamba kukonza bajeti. Izi zimandifikitsa ku mfundo yotsatira.

4. Muthandizeni kupanga bajeti

Patangopita miyezi ingapo kukhala pachibwenzi ndi Kevin, Jess anazindikira kuti Kevin anali nkhani zandalama. Anazindikira kuti Kevin analibe ndalama, ndipo nthawi zambiri mu akaunti yake munalibe chilichonse chomwe chimatsala kumapeto kwa mweziwo. Ngakhale kuti Jess sanali m’modzi mwa anthu amene amasiya chibwenzi ngati mwamuna alibe ndalama zokwanira, nthawi zambiri ankaganiza kuti, “Ndimawonongera ndalama zambiri popezera chibwenzi changa kuposa mmene amawonongera kwa ine.”

Jess anakhala pansi Kevin ndi kulankhula naye. Pamodzi, adaganiza zopanga bajeti ya Kevin. Iwo ankadziwa kumene ndalamazo zinkapita komanso mmene angachepetsere zinthu zosafunikira. Analimbikitsanso Kevin kuti agwiritse ntchito ndalama zomwe amasunga kuti apindule kwambiri. Pambuyo pake, Kevin adatha kusunga ndalama kumapeto kwa mweziwo ndipo adatha kubweza ngongole yake yonse m'miyezi ingapo.

Pakakhala anthu aŵiri, nthaŵi zambiri pamakhala mmodzi amene amadziŵa bwino zandalama kuposa winayo. Ndipo popeza muli pachibwenzi ndi mwamuna yemwe sali okhazikika pazachuma, amene ali bwino pazachuma ndi inu. Mungamulimbikitse kupanga bajeti ndi kumuthandiza kuti azichita zinthu mogwirizana ndi bajetiyo. Chitsogozo chochepa chochokera kwa inu chidzathandiza mnzanuyo ndi ubale wanu kwambiri.

5. Pitani kukapangana mgwirizano musanakwatirane

Kungotchula mawu akuti prenup kumatha kudzutsa nsidze zingapo, komabe mosiyana ndi zomwe anthu ambiri amakhulupirira, ma prenup sikuti ndi olemera okha kuti ateteze chuma chawo. Mabanja ochulukirachulukira omwe ali ndi chuma chochepa akulowera mapangano asanakwatirane kufotokoza bwino za ufulu wawo wazachuma ndi udindo wawo m’banja. Kungokwatirana kumene n’kotero, pangano limene limafotokoza mmene nkhani zandalama zidzasamalidwira m’banja.

Kudikirira kuti mwamuna akhale wokhazikika pazachuma kungatenge nthawi. Ndipo ngati mulibe chidwi chodikirira ndipo simungadikire kuti muyambe mwachimwemwe mpaka kalekale, ndiye njira yanzeru kwa inu ndikupeza prenup. Sizidzangokuthandizani kuteteza katundu wanu komanso zidzakutetezani kuti musalowe m’ngongole ya mwamuna kapena mkazi wanu ngati mwamuna kapena mkazi wanu wamwalira kapena kusudzulana.

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6. Funsani mlangizi wazachuma

Tonse tili ndi munthu m'modzi ameneyo pakati pa omwe timawadziwa yemwe amangotaya ndalama mumipata yazachuma yomwe poyamba imawoneka yodabwitsa koma imatha posachedwapa kapena kubweza pang'ono. Ndipo ngati mutakhala pachibwenzi ndi mwamuna yemwe akuvutika ndi ndalama chifukwa akuika ndalama zosayenera, zimakhala zowawa komanso zowopsya.

Zidzakhala zomvetsa chisoni kumuona akukhumudwa mobwerezabwereza nthawi iliyonse akataya ndalama zake. Mudzayesetsa kumuthandiza, koma sizingakhale zokwanira. Clara anati: “Chomwe chinkandichititsa mantha n’chakuti ndinkangokhalira kudandaula kuti chibwenzi changa chikundithera ndalama. malangizo azachuma. "

Katswiri wazachuma amathandizira mnzanuyo kuwerengera ndalama zomwe amapeza, katundu wake, misonkho, ngongole, ndi ndalama zomwe amawononga, ndikulembera dongosolo lokonzekera momwe angagwiritsire ntchito ndalama ndi mabizinesi ake. Adzathandiza kuthetsa mavuto azachuma a mnzanuyo. Nthawi zina, kupeza chithandizo cha akatswiri ndi zonse zomwe munthu amafunikira mukakhala pachibwenzi ndi mwamuna yemwe sali wokhazikika pazachuma.

7. Pezani chithandizo chamankhwala osokoneza bongo

Si bwino kumva izi, koma nthawi zambiri, ngati mwamuna sali wokhazikika pazachuma, zitha kukhala chifukwa chakuti ali ndi chizoloŵezi choledzeretsa. Chizoloŵezi sichimangokhala ndi zinthu zokha. Angakhale chizoloŵezi chogula zinthu, kuwononga ndalama zosafunikira zomwe sangakwanitse kapena sangakwanitse. Kapena kuzolowera masewera apakanema Zimenezi zimachititsa kuti atope kwambiri moti sangagwire ntchito n’kusiya ntchito.

Mosasamala kanthu za mtundu wa kumwerekera, pali chinthu chimodzi chofala kwa onsewo - amakonda kuwotcha dzenje lalikulu m'matumba a munthu. Kukhala pachibwenzi ndi mwamuna amene sali wokhazikika pazachuma chifukwa cha zizoloŵezi zake zoledzeretsa kungakhale kotopetsa kwenikweni kwa bwenzi lake. Zikatero, ndi bwino kupeza chithandizo chomuthandiza kuthetsa zizoloŵezi zake. Chithandizo cha pa intaneti kuchokera kwa alangizi a Bonobology athandiza anthu ambiri kukhala ndi moyo wabwino ndipo mutha kupindula nawo powachezera Pano. Kaya mukukumana ndi zotani, ndi bwino kudziŵa kuti pali thandizo limene mungadalire.

8. Dziwani nthawi yotsanzika

Anthu onse ali ndi zolakwika ndipo ubale umafunikira kuyesetsa kosalekeza kuti upitirire. Ngati mukuyembekezera mwamuna kuti azikhala wokhazikika pazachuma ndikumuthandiza pazochita zake, ndiye kuti ndinu osowa komanso okongola. Mphamvu zambiri kwa inu. Koma pothandiza mnzanu, musaiwale phunziro limodzi loyambirira la moyo. Simungapambane nthawi zonse, choncho sankhani ndikusankha nkhondo zanu.

Mutha kuyika nthawi yanu yonse, zoyesayesa zanu, malingaliro anu, ndi zida zanu mwa munthu kuti atulutse bwino kwambiri. Koma simungapulumutse munthu amene safuna kupulumutsidwa. Ngati munthu sakufuna kuthetsa mavuto ake azachuma, ngakhale mutapereka zabwino zanu kwa iye ndi ubale, ndiye kuti. nthawi yopitilira.

Ndalama sizinthu zonse, koma ndizofunika kwambiri pamoyo wathu. Kukhala pachibwenzi ndi mwamuna yemwe sali wokhazikika pazachuma sikungawoneke kukhala kosangalatsa pakali pano, koma m'kupita kwanthawi kumatha kukhala vuto lalikulu. Ngati nonse mukulephera kuthetsa nkhaniyi, ndibwino kuti muthetse chibwenzi chisanakhale poizoni.

Ibibazo

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Zopereka zanu sizikupanga zachifundo Mphatso. Zilola kuti Bonobology ipitilize kukubweretserani zidziwitso zatsopano komanso zaposachedwa pakufuna kwathu kuthandiza aliyense padziko lapansi kuphunzira momwe angachitire chilichonse.