“Nkhani zandalama zikupha ukwati wanga ndipo ndakhala ndikuwona mdima m’miyezi iŵiri yapitayi,” mnzanga wina anandiuza posachedwapa. Mnzangayo anali akugwira ntchito mu kampani kwa zaka 22 zapitazi ndipo mwezi watha anapatsidwa slip pinki.
Kampani ya mwamuna wake idachepetsa malipiro 30 peresenti kuyambira mliriwu komanso kutsekeka kunachitika. Ali ndi ngongole yanyumba, ngongole yophunzirira mwana wawo kunja kwa dziko ndipo akuyenera kuyang'anira apongozi awo omwe akudwala, zomwe zimaphatikizapo kugula mankhwala ndi kulipira olera.
Iye anati: “Ine ndi mwamuna wanga takhala tikumenyana ngati amphaka ndi agalu ndipo sitikudziwa kuti tithana ndi vuto la zachuma m’banja lathu.
Si zachilendo kuti nkhani zandalama zivutike m’mabanja ndipo nkhani zandalama m’banja ndi zimene anthu amakangana kwambiri. Popeza kutsekeka kunachitika pambuyo pa mliri wa coronavirus maukwati ambiri akukumana ndi nkhani zandalama pano.
Kuwerenga Kofanana: Momwe Nkhani Zandalama Zingawonongere Ubale Wanu
Kodi Mavuto Azachuma Angakhudze Bwanji Banja?
M'ndandanda wazopezekamo
Anthu ochepa kwambiri amalankhula za nkhani zachuma ndipo amaika zolinga zachuma akakwatirana. Ndipotu, nkhaniyi yofunika kwambiri siikambidwa kawirikawiri ngakhale kuti mwina ingakhale ikukambirana za ana ndi njira zolerera . Nthawi zambiri ndalama zomwe banja limasunga komanso ndalama zomwe limaika pambuyo pa ukwati ndi zomwe silikuganiza kwenikweni ndipo amasangalala kwambiri kukhala ndi moyo wabwino ndi zomwe amapeza.
Koma ngati mupita kukalandira uphungu musanakwatirane , nthawi zambiri amalankhula za kuyanjana pazachuma, pakati pa zinthu zina zambiri kuti ukwati ukhale wabwino.
Pambuyo pokhala m'banja kwa zaka 20, mnzanga anazindikira kufunika kwa kukhala ndi moyo wabwino komanso kusalingana kwa ndalama kungakhudze maubwenzi. Mwamuna wake nthawi zonse wakhala munthu wokonda moyo wabwino ndipo anali wokonzeka kugwiritsa ntchito ndalama zake zonse pa izi.
Ngati zikanatanthauza kutenga ngongole pafupipafupi, akanachita. Ngongole yake inali yochepa nthawi zonse. Koma, sanali wobera ndalama ndipo ndidayesetsa momwe angathere posunga bajeti ndikuyika zinthu ndikumanga katundu. Koma sizinali zophweka kuchita zimenezi ndekha.
Kuthana ndi mavuto azachuma m'banja n'kovuta. Mikangano yomwe imachitika chifukwa cha zizolowezi zosiyanasiyana zogulira ndalama imalepheretsa kwambiri kumanga ubale.
Mavuto azachuma angakhudze ukwati mwachindunji. Mavuto omwe amabwera chifukwa cha mavuto azachuma amatha kukhala kusinthana kwa milandu , pakhoza kukhala kusowa kwa kulankhulana ndipo izi sizingapangitse kuti pakhale kuyesetsa kulikonse posankha ndalama.
Mabanja ambiri alibe maakaunti ophatikizana komwe amasunga ndalama zatsiku lamvula kotero kuti akakumana ndi mavuto azachuma samadziwa choti achite. “Nkhani zandalama zikundipha,” ndizo zonse zomwe amamaliza kunena.
Kodi Nkhawa Zazachuma Ndi Zomwe Zimayambitsa Chisudzulo?
Kafukufuku amene anachitika pa akuluakulu oposa 2,000 a ku Britain amene kampani yazamalamulo ya Slater ndi Gordon inanena, anapeza kuti ndalama n’zodetsa nkhawa kwambiri pa zifukwa zimene okwatirana analekana, ndipo m’modzi mwa asanu alionse ananena kuti n’zimene zimayambitsa mikangano m’banja.
Mu nkhani yomwe inafalitsidwa mu The Independent, oposa gawo limodzi mwa magawo atatu a omwe anafunsidwa anati mavuto azachuma ndiwo anali vuto lalikulu m'banja lawo, pomwe gawo limodzi mwa magawo asanu linati mikangano yawo yambiri inali yokhudza ndalama.
Mmodzi mwa asanu mwa omwe adafunsidwa adadzudzula mnzawo chifukwa cha nkhawa zawo zachuma, kuwadzudzula kuti amagwiritsa ntchito ndalama mopitirira muyeso kapena kulephera kupanga bajeti moyenera kapena ngakhale kusakhulupirika pazachuma.
"Ndalama nthawi zonse zimakhala nkhani yofala ndipo ngati munthu akumva kuti mnzawo sakuchepetsa ndalama zake kapena akuyesera kutero, zingayambitse mkwiyo kukula msanga, " anatero Lorraine Harvey, loya wa mabanja ku Slater and Gordon.
Kodi ndi chiwerengero chotani cha maukwati chomwe chimatha chifukwa cha kusudzulana chifukwa cha ndalama? Malinga ndi kafukufuku wochitidwa ndi Certified Divorce Financial Analyst, 22% ya mabanja amasudzulana chifukwa cha mavuto azachuma ndipo ndi chifukwa chachitatu chofunikira kwambiri chosudzulana chifukwa cha kusagwirizana ndi kusakhulupirika.
Maubwenzi ndi mavuto azachuma zimayendera limodzi potsirizira pake kumabweretsa chisudzulo. Ndalama zimathetsa ubale. Choncho m’pofunika kuthetsa nkhani zachuma m’banja nthawi isanathe.
Mabanja ambiri sakwanitsa kuthana ndi mavuto awa azachuma:
- Sangathe kuchita ndi ngongole monga ngongole ndi ngongole zanyumba ndipo pamapeto pake amawononga ndalama zambiri kuposa zomwe angathe kubweza mtsogolo.
- Iwo alibe bajeti ya banja. Nthawi zina, iwo amakhala pafupifupi nthawi zonse overshoot bajeti
- Palibe kugawika kwapadera kwa ndalama zangozi ngati zaumoyo
- Palibe malamulo ogwiritsira ntchito ndalama
- Alibe akaunti yolowa pamodzi
- Iwo amapita kumtunda kwathunthu pamene akugula galimoto ndi katundu ndipo kawirikawiri amakhala mkati mwa bajeti
Mnzanga moona mtima anandiuza kuti, "Nkhani zandalama zikupha banja langa ndipo sindingakhale woona mtima ndikanena kuti sindinaganize zosudzulana. Koma pakali pano pamene m'modzi wa ife alibe ntchito ndipo wina akupunduka pantchito komanso ndi phiri la EMIs kuti alipire, kulumpha sitima yomwe ikumira si chinthu changa.
Pamenepo ndi pamene ife ku Bonobology tinaganiza zopanga njira zowonetsera njira yotulukira m'mavuto azachuma omwe angawononge mabanja.
Momwe Mungathanirane ndi Kupsinjika Kwazachuma M'banja Lanu
Kusagwirizana kwa ndalama kumakhudza kwambiri maubwenzi. Ndipo ndi vuto la ndalama m’banja mulibe mtendere. Nthawi zonse mumakonzekera njira ndi njira zothanirana ndi vuto lomwe mwalowa.
Koma m’lingaliro lathu m’malo mobwerezabwereza kunena kuti “mavuto azachuma akupha ukwati wanga,” muyenera kukhala ndi cholembera ndi pepala kuti mulingalire nkhani zandalama zimene zingakuikeni m’malo abwino azandalama. Nazi zinthu 8 zomwe mungachite.
1. Ganizirani momwe ndalama zanu zilili
Palibe amene alibe ndalama zonse. Nthawi zina m'moyo wawo amayesa kusunga ndalama ndipo akadagula inshuwaransi ndikuyiwala zonse.
Chifukwa chake yang'anani izi kuti muwone ngati ndalama zanu zingakuthandizeni kuthana ndi ngongole zanu. Kuwerengera katundu wanu kudzakuthandizani kuzindikira kuti mwasunga zambiri kuposa momwe mumaganizira.
Kuwerenga Kofanana: Njira 15 Zanzeru Zosungira Ndalama Monga Banja
2. Perekani bajeti
Kafukufuku wa Gallup akusonyeza kuti anthu 32 pa 100 aliwonse aku America ndi omwe ali ndi bajeti yapakhomo. Ngati muli ndi bajeti yochepa yogwiritsira ntchito ndalama zapakhomo tsiku ndi tsiku ndikuyesera kutsatira bajetiyo, ndiye kuti mutha kupeza kuti mukuchita bwino ndi mavuto anu azachuma.
Mmodzi wa anzanga ali ndi bajeti yogulira mwana wake zoseweretsa ndipo mwana wake wamkazi amadziwanso kuti sangapitirire $7. Timafunira zabwino ana athu koma kusunga bajeti kumawaphunzitsanso kufunika kwa ndalama.
3. Gwirani ntchito limodzi
Muyenera kusunga kusiyana kwanu pambali ndikugwira ntchito monga gulu ndikuwongolera nkhani zachuma m'banja lanu. Mpaka pano mwaseweretsa mlandu koma poti mwakankhidwira kukhoma mulibe chochita koma kugwila ntchito ngati timu ndikuwongola nkhani zandalama.
Pangani zigawo ziwiri zomwe akuganiza kuti muyenera kuchita pazachuma komanso zomwe mukuganiza kuti muyenera kuchita. Khalani ndi zolinga zachuma ndikuyamba kugwira ntchito pamodzi. Izi zitha kukuthandizani kukonza mavuto anu azachuma.
4. Khalani ndi zolinga zatsopano
Mutha kukhala m'mavuto azachuma koma sizitanthauza kuti mudzakhalapo mpaka kalekale. Muyenera kuyesera kudzitulutsa nokha ndipo izi ndizotheka mwa kukhazikitsa zolinga zachuma zatsopano nokha.
Mutha kukhala ndi lingaliro labizinesi kwa nthawi yayitali mwina ino ndi nthawi yoti muyambe. Akuti mwayi umakonda olimba mtima. Ngati mungaike moyo wanu pachiwopsezo, kuyika ndalama ndikugwira ntchito molimbika, mavuto azachuma m'banja lanu atha kutha.
5. Kambiranani ndi banki
Aliyense akukumana ndi zovuta chifukwa cha vuto la coronavirus komanso kutsekeka komanso kugwa kwachuma.
Mabanki akumva chisoni ndi omwe ali ndi ngongole kotero akupumula nthawi yolipira chiwongola dzanja. Mungalankhule ndi anthu ena amene ali ndi ngongole kwa inu ndipo mukhoza kupempha kuti akupatseni nthawi yowonjezereka yolipira. Anthu ambiri akhala owolowa manja ndi nthawi pakali pano, pozindikira kuti anthu akukumana ndi mavuto azachuma.
6. Sinthani momwe mumaganizira pazachuma
Muyenera kuganizira mozama za chuma m'tsogolomu. Mukayamba bizinesi yatsopano kapena kupeza ntchito ina chinthu choyamba muyenera kuchita ndikusunga ndikuyika ndalama zonse zomwe mumapanga.
Palibe angatsutse mfundo yakuti nkhani zandalama zimakhudza banja. Mukadasunga kale ubale wanu ukanakhala wabwinoko tsopano. Sizikanafika pa nadir yomwe yalowamo tsopano.
Mukadayamba kale kukonzekera ndalama zanu mochedwa kwambiri tsiku lomwelo koma mwayamba kale. Mukudziwa bwino mbiri yanu ya ngongole tsopano, za ngongole zanu, bajeti yanu, muli ndi malamulo ogwiritsira ntchito ndalama omwe mukutsatira, ndipo chofunika kwambiri tsitsani pulogalamu ya akaunti ya tsiku ndi tsiku kuti muzitsatira ndalama zomwe mumagwiritsa ntchito.
7. Phunzirani kuchita zinthu mosagwirizana ndi zachuma
Mavuto azachuma amapha banja chifukwa onse awiri sakufuna kupanga mgwirizano uliwonse wazachuma. Kapena nthawi zina m'modzi mwa awiriwa amapanga mgwirizano wonse ndipo amatenga mavuto onse ndipo winayo amakhalabe wosakhudzidwa. Pali zinthu zomwe simuyenera kuchita mgwirizano koma nkhani zachuma zimafunika mgwirizano.
Mnzanga yemwe ali ndi ngongole yaikulu m'dziko la Gulf watumiza banja lake ku India. Ngakhale akupitiliza kukhala ndi moyo wabwino samatumiza ndalama zambiri kunyumba chifukwa changongole yake ndipo banja lake ku India likubweza chilichonse.
Kumeneku n’kusalungama muubwenzi ndipo onse awiri ayenera kugwirizana pazachuma kuti awongole nkhani zandalama m’banja.
8. Pezani thandizo
Pamene mukumira m'mavuto azachuma ndipo simukuwona malo pafupi ndipafupi mungakumbukire mnzanu yemwe ndi chartered accountant kapena wa ku kindergarten yemwe ndi katswiri wazachuma.
Musaganize kawiri, imbani foniyo. Khalani okonzeka kudzudzulidwa koma akhozanso kufika kunyumba ndikukutsogolerani nonse awiri kuti mutuluke mu chisokonezo. Choncho musazengereze kupempha thandizo kwa anzanu ndi abale ngati ali ndi chidziwitso cha zachuma.
Kusagwirizana kwa ndalama m'maubwenzi kungayambitse nkhawa yaikulu. Mnzanga anabwerezanso kuti, "Tinali titayimilira kale pavuto lazachuma ndipo vuto la COVID 19 lidatikankhira mtsogolomo. Kupsinjika kwachuma kunali kupha banja langa kwa nthawi yayitali koma pomaliza ndikumva kuti ine ndi mwamuna wanga tagwira ng'ombe.
"Sitikuyesa kuthetsa vutoli mwa kupeza njira zopulumukira mwachangu tikuyesera kuyeretsa chisokonezo chonsecho." Khama lanu laling'ono lingapangitse zotsatira zazikulu ndipo mudzapindula pamapeto pake.
Ibibazo
Malinga ndi kafukufuku wochitidwa ndi Certified Divorce Financial Analyst, 22% ya mabanja amasudzulana chifukwa cha mavuto azachuma ndipo ichi ndi chifukwa chachitatu chofunikira kwambiri chosudzulana pambuyo pa kusagwirizana ndi kusakhulupirika.
Mavuto azachuma amasokoneza mabanja. Kusakonzekera zachuma, kutaya ntchito mwadzidzidzi, kuwononga ndalama zambiri komanso kusakhala ndi bajeti yapakhomo ndi zinthu zomwe zingayambitse mikangano nthawi zonse muubwenzi.
Mavuto azachuma si achilendo m’mabanja. Maukwati amakhalabe ndi mavuto azachuma - zazikulu ndi zazing'ono. Zimatengera momwe okwatirana akufuna kuthana ndi mavutowo komanso momwe angawathetsere.
Kusungulumwa Pambuyo pa Chisudzulo: Chifukwa Chake Amuna Amapeza Kukhala Kovuta Kwambiri Kupirira
Chopereka chanu sichikutanthauza chopereka chachifundo . Chidzalola Bonobology kupitiliza kukubweretserani chidziwitso chatsopano komanso chaposachedwa poyesetsa kuthandiza aliyense padziko lonse lapansi kuphunzira momwe angachitire chilichonse.
