Kulipirira Ukwati—Kodi Chizolowezi Chotani?

Ukwati ndi nkhani yodula, palibe kukana zimenezo. Ngati mukufuna kukhala ndi malo okongola, keke yachilendo, mphete ya diamondi, komanso pamwamba pa honeymoon kunja, mukhoza kubetcherana dola yanu yapamwamba kuti idzakutengerani ndalama yokongola. Pamwamba pa izo, ngati mukugwira ntchito yokhazikika pa bajeti yaukwati, mafunso monga omwe amalipira ukwati, ndalama zotani zomwe zimagwera m'magawo a mkwatibwi, omwe ali mkwati, ndi omwe mungagawane ayenera kuyankhidwa.

Mutha kulota zaukwati wanu wangwiro, wodzaza ndi maluwa okongola komanso gulu lomwe mumakonda kuti musangalale tsiku lonse, koma zoona zake n'zakuti, kumapeto kwa tsiku, zonsezi zimachokera ku ngongole zomwe ziyenera kuperekedwa. Lingaliro ndi funso loti, "Ndani akulipira ukwati?", Likhoza kungokugwedezani msana, chifukwa ndilovuta kuyankha. Kodi lidzakhala banja la mkwatibwi kapena ndi la mkwati? Ndipo munthu angayendetse bwanji ziyembekezo zimenezo?

Zimenezi zingayambitse mafunso enanso ambiri: Kodi banja la mkwatibwi limalipira chiyani ndipo banja la mkwati liyenera kulipira chiyani paukwati wamwambo? Kodi mukufuna kumamatira kuzinthu zachikhalidwe izi kapena kubwera ndi zanu? Kodi muyenera kupempha makolo anu kuti akuthandizeni? Kodi mufunse mnzanuyo? Kodi mutha kulipira gulu lomwe mumakonda, kapena muyenera kudalira luso la Amalume Jerry losewera gitala? Mwina ndi bwino basi splurge pa gulu kwenikweni ndipo mwina kupulumutsa pa ukwati chipani zokongoletsa mu nkhani iyi.

Kuti maganizo anu akhale omasuka, tiyeni tikambirane zovuta za kulipirira ukwati komanso kumvetsa mmene mungakonzekere ndi kumamatira ku bajeti ya ukwati. Komanso momwe mungayendetsere njira yachikhalidwe yolipirira ukwati ndi njira yatsopano yogawana ndalama pakati pa mkwatibwi ndi banja la mkwati ndikupeza malo okoma omwe amagwira bwino mbali zonse ziwiri. Pamene tili m’katimo, tiyeni tikambiranenso chinthu china chofunika kwambiri chimene anthu ongokwatirana kumene ayenera kuganizira: Kodi ndani amalipira ndalama zokasangalala akakwatirana?

N'chifukwa Chiyani Makolo a Mkwatibwi Amalipira Ukwati?

Monga mwa miyambo yamwambo, zinkayembekezeredwa kuti banja la mkwatibwi lipereke malipiro a ukwatiwo ndipo mwinanso chinkhoswe. Ngakhale kuti nthawi zina, banja la mkwatiyo linapereka ndalama zothandizira. Ndalama zapakati paukwati waku America, kuphatikiza chilichonse, ndi pafupifupi $33,000.

Mwachikhalidwe, molingana ndi udindo wa amuna ndi akazi, ankakhulupirira kuti mkwatiyo alipira malipiro a tchuthi chaukwati ndiyeno adzakhala ndi udindo wogula nyumba ndi kusamalira mkazi wake ndi ndalama. Choncho, zinangomveka kuti bajeti yaukwati iyenera kuyang'aniridwa ndi kulipiridwa ndi makolo a mkwatibwi popeza mkwati adzatenga udindo wake wachuma pambuyo pa ukwatiwo.

"N'chifukwa chiyani mkwatibwi amalipira ukwati? Paukwati wathu, sitinasamale kwambiri za njira yachikhalidwe yochitira. Tinaganiza zolipira momwe tingathere tokha ndipo tinalandira chithandizo kuchokera kwa makolo athu pamene tinkaganiza kuti tikufunikira." Sitinasamale za zovuta zomwe mkwati amalipira paukwati kapena zomwe mkwatibwi amagula. Adatelo Jacob pokambirana momwe Marita ndi Marita adaganizira zolipirira ukwatiwo.

Zovuta za yemwe amalipira ndalama zolipirira ndalama zimatengera kusinthasintha kwanu koma ndizothandiza nthawi zonse kuyang'ana momwe zimakhalira kale komanso zosankha zomwe zilipo.

Kodi Makolo A Mkwatibwi Amalipira Zambiri Zaukwati?

Ngati makolo a mkwatibwi akusamalira ndalama zaukwati, ndiye kuti inde, amayembekezeredwa kulipira zambiri. Komabe, makolo a mkwati amayembekezeredwanso kulipira ndalama zina, makamaka pa maukwati ambiri masiku ano. Anthu akupita patsogolo ndipo zinthu zikusinthadi. Ngakhale kuti poyamba zinkamveka kuti mkwatibwi amalipira mwamwambo, sizili chonchonso. Ndiye ndani amalipira ukwatiwo? Umu ndi momwe ndalama zoyambira zimagawidwira:

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1. Ndani amalipira mwambo waukwati ndi wokonzera ukwati?

Funso lofunika kwambiri mu zokambirana zonse za kugawa ndalama ndi: ndani amalipira mwambo waukwati? Makolo a mkwatibwi/mkwatibwi amalipira zimenezi, ngakhale kuti makolo a mkwati/mkwati amatha kugula zinthu monga mowa kapena zinthu zina zilizonse, monga zosangalatsa monga ma fireworks, ovina, kapena zisudzo zina zilizonse. Koma nthawi zambiri, banja la mkwatibwi silikhala ndi ziyembekezo zochokera kumbali ya mkwati. Makolo a mkwatibwi amalipira ndalama zobwereketsa malowo, zokongoletsa, chakudya chonse, ndi zina zonse monga kujambula zithunzi, makanema, malo ogona, ndi zoyendera.

Ndi ndalama zambiri zomwe amawononga kotero amayenera kugawa madola masauzande angapo ku bajeti yowonongera mwambo waukwati. Mabanja ena amafunsiranso ngongole yaukwati kapena kugwiritsa ntchito kirediti kadi yaukwati ndikulipira limodzi pambuyo paukwati. Nthawi zina, kholo lingafunike kusaina ngongole ngati okwatiranawo alibe ngongole yabwino. Ndendende momwe mukufunira kulipira tsiku lalikulu ziyenera kukhala pakati pa zinthu zomwe inu kambiranani musanalowe m’banja. Ndipo kambiranani motalika, pamodzi ndi mndandanda wa alendo anu.

2. Ndani amalipira ku honeymoon?

Chifukwa chakuti banja la mkaziyo linalipira phwando la chinkhoswe ndi ukwati, kodi mkwati tsopano amalipira ku honeymoon ndi zonse zomwe zimabwera pambuyo pake? Chabwino, inde, mkwati nthawi zambiri amalipira bilu ya honeymoon. Ngakhale kuti akwati angafunike thandizo kuchokera kwa achibale awo, udindowo kaŵirikaŵiri umakhala pa iwo, makamaka pa mwambo wa mwambo.

Musanayambe kugunda padenga mukuganiza kuti ulendo wanu wopita ku Maldives kapena Bora Bora udzakuwonongerani ndalama zingati, uthenga wabwino ndikuti mutha kupanga kaundula waukwati wapaintaneti komwe mutha kugawa ndalama ndikufunsa alendo anu kuti atenge gawo la ndalamazo ngati mphatso.

3. Kodi banja la mkwatibwi limalipira chiyani? Zovala

Monga mungayembekezere, yankho la, “Ndani amalipira kavalidwe ka ukwati?” Ndi atate wa mkwatibwi, chabwino, mwamwambo kulankhula. Komabe, posachedwapa, mkwatibwi kapena okwatiranawo amalipira kavalidwe kaukwati, chifukwa amasankha kusaika chitsenderezo choterocho pa mabanja awo. Koma musaiwale kuti izi zikukhudza kokha zomwe mkwatibwi adzabvala, osati zomwe akazi ndi amuna abwino kwambiri adzavala.

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4. Makhalidwe aukwati: ndani amalipira zovala?

Mtengo wa chovala cha mkwati nthawi zambiri ndi wake woti abereke. Mkwati akhozanso kukopa zovala za mkwatibwi kapena za akwati. Kugula boutonnieres ndi udindo wake, ndipo ngati akukonzekera mphatso kwa amuna omwe amamukwatira, ndiye chisankho chake. Mtengo wapakati wa diresi laukwati ndi $1,600 ndipo tux ya mkwati imawononga ndalama zosachepera $350. Itha kubwerekedwanso pafupifupi $150.

5. Ndani amalipira mphete zaukwati?

Nthaŵi zambiri mkwati amayembekezeredwa kudzigulira iye ndi mkwatibwi mphete zaukwati. Magulu a ukwati wa mkwatibwi ndi mkwatibwi amawononga pafupifupi $2,000 pa avareji. Nthaŵi zina mbali ya mkwatibwi amasankha kugula mphete ya mkwati ndi kupereka chithandizo chandalama. Koma mkwati amaguladi maluwa a mkwatibwi amene amanyamula m’kanjira. Ameneyo ali pa iye, popanda funso. Maluwa ndi gawo lofunika kwambiri laukwati ndipo liyenera kugwirizana ndi chovala cha mkazi ndipo chiyenera kukhala chosankha chake.

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6. Ndani akulipira mtumiki pa ukwatiwo?

Mtumiki samangokhala membala wofunika kwambiri paphwando laukwati komanso amene amadza ndi malipiro. M'makonzedwe anthawi zonse, mkwati amalipira laisensi yaukwati ndi chindapusa cha woyang'anira. Ukwati wachikhristu umayendetsedwa ndi abusa, monga wansembe kapena mbusa. Malipiro a abusa amatha kuyambira $100 mpaka $650. Mtengo wa chilolezo chaukwati umasiyana malinga ndi boma, koma nthawi zambiri umakhala pakati pa $50 ndi $100.

7. Ndani amalipira chakudya chamadzulo chobwerezabwereza?

Posankha malo ochitira ukwati ndi kukonzekera tsiku lalikulu, munthu ayeneranso kuganizira za chakudya chamadzulo chobwerezabwereza. Ndi pamene funso lina limabuka: Ndani amalipira chakudya chamadzulo chobwereza? Pachikhalidwe, mbali zonse kulipira chochitika chisanadze ukwati. Zakudya ndi malo ochitirako chakudya chamadzulo amasankhidwa ndi onse awiri ndi achibale ochokera mbali zonse ziwiri. Mtengo wa chakudya chamadzulo chobwereza nthawi zambiri umakhala pakati pa $1,000 ndi $1,500. Tikudziwa kuti zikumveka zambiri. Mwina ndi chifukwa chake ndondomeko ya zachuma kwa okwatirana kumene ndi ofunika kwambiri.

8. Makhalidwe aukwati: Ndani amalipira chakudya chamadzulo paphwando laukwati?

Kodi banja la mkwati liyenera kulipira chiyani? Mwa zina, nthawi zambiri, banja la mkwati/mkwati limalipira phwando laukwati. Popeza ndi chochitika chomwe chimachitika pambuyo paukwati, akuyembekezeka kutenga tabu yonse.

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9. Kodi banja la mkwatibwi limalipira keke yaukwati?

Ndani amalipira keke yaukwati? Eya, popeza kuti munthu mochuluka amayembekezera kuti banja la mkwatibwi lidzalipira ndalama zambiri nthaŵi zambiri, n’kutheka kuti wina amalingalira kuti kekeyo ilinso bili kubanja lake. Koma imvani izi. Pali mikangano yambiri pa keke, kwenikweni. Mwamwambo, banja la mkwati limalipira keke yaukwati ndi maluwa a mkwatibwi, koma mabanja ena ali ndi mwambo wa banja la mkwatibwi kulipira keke. Choncho zimagwirizana ndi miyambo imene mabanja onse awiri amatsatira. Mtengo wapakati wa keke yaukwati ku US ndi $350, koma ukhoza kusiyana kwambiri malinga ndi momwe kekeyo imapangidwira komanso kuchuluka kwa alendo aukwati.

Kodi Makhalidwe Oyenera Kuti Makolo A Mkwati Ayenera Kulipira Ndi Chiyani?

Ndibwino kuti mabanja onse awiri azikumana pakudya tsiku limodzi kuti akambirane za mapulani aukwati. khazikika pazachuma, khazikitsani bajeti yaukwati, ndi kusankha amene ali wokonzekera ukwati kuti pasakhale mkangano pambuyo pake. Ayenera kudziŵitsana za miyambo ya m’banja lawo ndi zimene ziyenera kutsatiridwa ndi zimene zingathetsedwe.

Kenako, mukhoza kupanga bajeti yofunikira. Khalidwe loyenerera la makolo a mkwati ndilo kutenga mpambowo ndi kudzipereka kulipirira zinthu zimene mwamwambo zimayembekezeredwa kwa iwo ndipo angadzipereke kulipirira zinthu zina zoŵerengeka kuti apeputse mtolo wa banja la mkwatibwi.

Kaya mbali ya mkwatibwi ingavomereze zimenezo kapena ayi zili kwa iwo, koma ndi khalidwe labwino kwa makolo a mkwati kupereka malipiro. Izi zimathandiza kumanga ubale pakati pa mabanja onse awiri. Chifukwa chake, m'malo mongoyang'ana pa, "N'chifukwa chiyani mkwatibwi amalipira ukwati?", Yesani kuwongolera zochitika zonse mwa kukhala owolowa manja ndikudzipereka kuti mutenge ndalama zina.

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Ndani Amalipira Tsiku Lalikulu Masiku Ano?

Kodi banja la mkwatibwi limalipira chiyani masiku ano paukwati? Yankho la funsoli lasintha kwambiri pakapita nthawi. Mosiyana ndi msungwana yemwe wangotuluka kumene ku koleji kukwatiwa ndi chikondi cha moyo wake wakale, maanja amakono amakumana nthawi zambiri akadzakula, atapanga ntchito zopambana ndikupeza kukhazikika kwachuma. Iwo sakonda kunyamula ngongole ya ophunzira muukwati ndikuyesera kukhala opanda ngongole asanamange mfundo. Cholinga cha ukwati, kwa iwo, sikungolemba chinthu “pamndandanda wa zochita” za zochitika zazikulu zimene anthu achita koma kukondwerera chikondi chawo ndi kudzipereka kwawo kwa wina ndi mnzake.

Malinga ndi kufufuza, avereji ya zaka zokwatira akazi ku US ndi zaka 27.8, ndipo avareji ya zaka zokwatiwa kwa amuna ndi zaka 29.8. Izi zikutanthauza kuti onse awiri ali ndi mwayi wopezera ndalama zawo zaukwati. Chotero, chiyembekezo chachoka m’banja la mkwatibwi kupita kwa mkwatibwi ndi mkwatibwi, ndipo iwo amalinganiza zolipirirazo mwa iwo eni.

Kaŵirikaŵiri, pakati pa okwatirana ambiri, mkwati ndi mkwatibwi ndi amene amatsogolera makambitsirano a mabanja aŵiri ponena za amene amalipira tsiku lalikulu. Amawadziŵitsa zimene angafune kulipirira ndipo ngati banja la mkwatibwi ndi mkwati lingafune, amavomereza kutenga ndalama zina zaukwati. Kaŵirikaŵiri, mabanja onse aŵiri amavomereza kulipirira ukwatiwo.

Tsopano popeza mukudziwa chilichonse chokhudza kulipira ukwati, mpaka kulipira mtumiki waukwati kapena chakudya chamadzulo, ndiye kuti muli pamalo abwinopo kuti mupange zosankha. Komabe, zikafika kugawana ndalama mu ubale, zikhalidwe zamwambo sizimatsatiridwanso.

Popeza kuti anthu okwatirana ambiri amakhulupirira kuti masiku ano pali kufanana, n’zosachita kufunsa kuti atate wa mkwatibwi adzalipirira ukwatiwo. Ngati filimu Atate Wa Mkwatibwi zitapangidwa tsopano, zikanaphatikizadi miyambo yosintha ya ukwati wamakono.

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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.