Kodi mukukumana ndi zovuta zandalama muubwenzi? Ngati inde, muli pamalo oyenera panthawi yoyenera, mzanga. Pano, tiwona momwe tingathanirane ndi nkhani zandalama muubwenzi. Mukamaliza kuwerenga nkhaniyi, mwachiyembekezo mudzakhala ndi lingaliro labwino la momwe mungathanirane ndi nkhani zachuma za moyo wanu wachikondi.
“I dos” zikasinthidwa, palibe amene amayembekezera kuti tsiku lina adzavutika ndi mavuto azachuma. Koma zoona zake n’zakuti mavuto okhudzana ndi ndalama amatha kungopangitsa kuti awiriwa azigona m’zipinda zosiyanasiyana, kutukwanana pansi. Zomwe zinkaoneka kuti zidzakhala 'mwachisangalalo mpaka kalekale' mwadzidzidzi zimasanduka bomba la nthawi yovuta, zonsezi chifukwa chakuti ndalama sizinakambidwe konse.
Kukambitsirana zandalama musanakwatirane kapenanso kukhala ndi makambitsirano olimbikitsa mutangoyamba kumene chibwenzi kungakupulumutseni ku mavuto ambiri andalama muubwenzi wanu. Tsoka ilo, chikondi sichofunikira kwenikweni kuti mgwirizano ukhale wabwino. Chikhumbocho chikatha, mavuto enieni a moyo amawonekera omwe muyenera kuthana nawo pokhapokha ngati mukufuna kukhala pamalo omwe mulibe chopulumutsira.
Ndiye mavuto azachuma amayipa bwanji muubwenzi? Kodi angawononge bwanji? Chofunika koposa, mumathana bwanji ndi mavuto azachuma? Werengani kuti mudziwe momwe nkhani zandalama muubwenzi wapachibwenzi zingafooketse mabwenzi amphamvu kwambiri.
momwe mungathanirane ndi nkhani zandalama pazibwenzi
M'ndandanda wazopezekamo
Mfundo yakuti muli pano ndipo mukufuna kumvetsa momwe mungasamalire ndalama muubwenzi ndi sitepe yoyamba komanso yofunika kwambiri, kotero zikomo kwambiri pa izo. Ndalama ndiye gwero lalikulu la mikangano mu maubwenzi pambuyo pa kusakhulupirika, ndipo izi zimachitika makamaka chifukwa maanja samadziwa momwe angathanirane ndi mavuto awo azachuma. Sizingakhale kukokomeza kunena kuti ndalama zimawononga ubale.
Pamene ine ndi Rachel tinasamukira pamodzi titakhala pachibwenzi kwa zaka zisanu ndi chimodzi, tinaganiza kuti tsogolo lathu lidzakhala lopanda pake. Nyumba imene anasankha inali yoti sindingathe kuipeza, koma ndinapita nayo. "Nthawi zonse ndikhoza kutenga ntchito yowonjezera," ndinaganiza ndikudzilungamitsa nyumba yomwe sinagwiritsidwe ntchito.
“Pamene ndinagawana ngongole ya wophunzira ndi mnzangayo, ndinkaopa kuweruza, m’malo mwake, tinagwirira ntchito limodzi kupanga dongosolo, limene linalimbitsa chikhulupiriro chathu.”
Zimenezi zinatsatiridwa ndi kugula zinthu zapakhomo, kukonza khichini, ndi ndalama zina zimene sindinawerenge. Nthawi zina ndinkaona kuti Rachel akungogwiritsa ntchito ndalama mopambanitsa poganizira kuti tinali tisanakwatirane. Koma ndinkangokhalira kubisa maganizo anga. Kupatula apo, palibe amene angakuuzeni kuti ikhoza kukhala imodzi mwazo zofunika kwambiri mu ubale.
Popeza ndinkapeza ndalama zambiri, udindo wolipira lendi ndi zinthu zina zinandikhudza kwambiri. Kuonjezera apo, ndinamupatsa ndalama zogulira mwezi uliwonse. Nthaŵi zina Rakele ankalandira buledi kapena makatoni angapo a mkaka yekha, koma m’pamene ndalama zake zinathera pomwepo. Ndalama zake zinali zaumwini; shampo, kuchapa thupi, mafuta odzola, ma trinkets, ndi zina zotero.
Patapita nthawi, ndinaona kuti ndalama zimene ndinkagula zikukwera kwambiri ndipo ndinakambirana naye za nkhaniyi. Kukambitsiranako kunawoneka kukhala kopindulitsa, popeza tinaganiza zotsegula akaunti yogwirizana ndi kuika ndalama zina mwezi uliwonse zogulira nyumba. Koma mwezi wotsatira womwewo, Rachel anaganiza zokachita digiri yake imene anaiphunzira kwa nthawi yaitali, kwinaku akugwira ntchito zina zoti andithandize pa nkhani ya zachuma. Monga ndinazindikira posachedwa, ichi chinali chiyambi chabe cha mavuto athu azachuma.
Zomwe palibe amene amakuuzani mukamalowa ndi munthu kapena kukwatiwa ndi munthu ndi udindo waukulu mavuto azachuma akhoza kusewera mu ubale wanu. Kwa zaka zisanu ndi chimodzi tili pachibwenzi, sizinali kuwoneka ngati tikadafikapo pomwe timapewa kulankhulana chifukwa cha nkhani zandalama muubwenzi wathu.
Nkhani zandalama m’maubwenzi, ngakhale kuti n’zopeŵeka kotheratu, zingayambitsebe tulo, mikangano miliyoni imodzi, ngakhalenso kulephera kwa mabanja. Ndi malangizo ndi malingaliro omwe ali pansipa, mudzatha kupewa zolakwa zomwe ndinapanga ndi Rachel ndikutha kumvetsetsa momwe mungagwirire ndi ndalama muubwenzi. Pali njira zosiyanasiyana zothanirana ndi mavuto azachuma muubwenzi kwa banja lililonse kunjako, werengani kuti muwone zomwe zikugwirizana ndi vuto lanu.
1. Lankhulani za zomwe mungasankhe pa moyo wanu
Zikafika popewa nkhani zandalama muubwenzi wapa chibwenzi, zimangoyang'ana zinthu zosiyanasiyana zomwe zimapanga momwe mumawonongera ndalama ndikukhala moyo wanu. Pali mitundu iwiri ya anthu ikafika pakugwiritsa ntchito ndalama: omwe amakonda kusunga ndalama komanso omwe amakonda kugwiritsa ntchito ndalama zonse. Ndipo ngati anthu a mitundu iwiriyi akwatirana, ndiye kuti padzakhala mavuto. Kuti muthetse nkhani zandalama m'maubwenzi, ndikofunikira kuti mukambirane izi ndikupeza njira yapakati yomwe imagwira ntchito kwa onse awiri.
Kusiyana kwa malingaliro athu kudawonekera posachedwa, ndikuwunika pang'ono. Ine, mwachitsanzo, sindinadandaule kuyenda mtunda wowonjezera kuti ndipulumutse ndalama zokwana 30 pa kilo imodzi ya nkhuku kwa galu. Popeza amadya pafupifupi ma kilogalamu 5 pa sabata, zinali zondipulumutsa kwambiri. Koma Rachel, ankakonda kugula m’sitoloyo ndi ndalama zowonjezerapo m’malo motaya nthawi yopita kutali.
N’kutheka kuti sizinamuchitikire n’komwe. Koma m’masiku amenewo, zinkandichititsa mantha chifukwa ndinkaona ngati kuti ndine ndekha amene ndinkagwira ntchito mwakhama komanso thukuta lotithandiza kuti tisamayandame. Ngakhale kuti anakula osaganizira n’komwe za kusunga ndalama, ndinakulira ndikuwona mavuto azachuma amene angayambitse m’banja.
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Posakhalitsa, kusagwirizana kwathu pazachuma kunasintha n’kukhala osalankhulana bwino, kunachepetsa ubwenzi, kupsa mtima, ndiponso kuleza mtima kochepa. Zinthu zinafika poipa kwambiri, zomwe zinachititsa kuti pakhale mkangano waukulu. Ngakhale kuti ankandiimba mlandu wolephera kusamalira ndalama, ndinayankha kuti anangondiwonongera ndalama zonse.
Anaganiza kuti ndimangofuna ndalama zomwe ndimapereka, pomwe ndimaganiza kuti sakuyamikira khama lomwe ndinali kuchita ndi ntchito zapayekha, chifukwa chosowa ntchito yanthawi zonse. Kwa mlungu umodzi sitinalankhule. Palibe zabwino zambiri zomwe zidabwera chifukwa cha ndewu zosatha. Chotulukapo chokha chinali chakuti ndinamva wosungulumwa mu ubale wanga. Zinamutengera nthawi, nayenso, kuchoka pa "Chibwenzi changa ndi chokhwima" mpaka "Chibwenzi changa chikuvutika ndi ndalama".
Ndikofunika kumvetsetsa kuti ukwati ndi kumvana ndi kusagwirizana pang'ono apa ndi apo. Tinene kuti, ngati mmodzi akuyembekezeredwa kuti azisamalira banja lake, ndipo winayo akupitirizabe kugula zovala zamtundu umene amazikonda, kodi zimenezo sizingawononge ubwenzi wawo? Moyo wanu uyenera kuwonetsa zomwe mumapeza, osati momwe ma feed a ena a Instagram amawonekera. Pokhapokha mutamvetsetsa izi mutha kupitiliza kukhala ndi ubale wathanzi komanso wopambana.
Lamulo lofunika kwambiri lothana ndi nkhani zandalama mu maubwenzi ndikukambirana ndi okondedwa wanu. Kamodzi inu onjezerani kulankhulana muubwenzi wanu ndikulimbikitsa malo abwino, opanda chiweruzo, mfundo zidzafikiridwa bwino. Yesetsani kupewa kusewera masewera olakwa, zomwe zingakupangitseni ndi sabata ina yomenyana.
M'malo mwake, mwa kulankhulana kogwira mtima, yankhani funso lakuti "chiyani tsopano?". Kutsogolo, konzekerani dongosolo lothana ndi mavuto azachuma, ndipo musachedwe kukambirana kofunikira kuopa kuti ayambitsa ndewu.
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2. Khalani ndi zoyembekeza zenizeni
Chimodzi mwa zifukwa zomwe zimayambitsa nkhani zandalama muubwenzi wapa chibwenzi ndikuyembekezera kuti zonse ziziyenda chimodzimodzi. Timayiwalanso kuti pali zinthu zina zomwe sitingathe kuzilamulira. Mwinamwake mwamuna wanu anali ndi ntchito yokhazikika miyezi iwiri yapitayo, koma tsopano akuvutika ndi ndalama, zomwe zikuyambitsa mikangano m'banja lanu. Ngati zili choncho, zikhoza kukhala chifukwa chakuti simunakonzekere tsogolo lanu lazachuma posunga zoyembekeza zenizeni kwa wina ndi mnzake.
"Ubwenzi wabwino umayenda bwino mukalankhulana momasuka pankhani yazachuma."
Mwinamwake simunadziwonepo nokha pachibwenzi ndi mwamuna yemwe sali wokhazikika pazachuma chomwe ndi chifukwa chakukwiyira kwanu ndi mkwiyo wanu. Koma izi zimadzutsa funso la kukhazikika kotani ngati si chikhalidwe chamaganizo ndi lingaliro lopeka loti mugwiritsepo? Pokhapokha mutadziwa zonse zotheka m'tsogolo mungatsimikizire kuti muli ndi ubale wotetezeka pazachuma.
Patatha chaka chimodzi m'nyumba, ine ndi Rachel tinadzipezera galu kuti tizimva ngati banja. Tsoka ilo linachitika pamene kampani yanga inaganiza zochepetsera ntchitoyo miyezi iŵiri pambuyo pake ndipo ndinachotsedwa ntchito. Choipa kwambiri n’chakuti Rachel nayenso sanali kupeza ntchito yochuluka. Zomwe zinkawoneka ngati zovuta ndi zovuta za ubale wandalama poyamba, tsopano zidawoneka ngati kuti sizingatheke kupirira.
Pakati pa maphunziro ake a udokotala ndi ulova wanga, zinthu zinaipiraipirabe. Rent idachedwetsedwa kwa miyezi ingapo yotsatira ndipo popeza nthawi zambiri ndimakhala kokasaka ntchito, mwininyumba adapatsa Rachel malingaliro ake m'malo mwake. Chotsatira chinali Rachel kundiimba mlandu chifukwa chosakhoza kulipira lendi, pofuna kutulutsa mkwiyo wake. Mkanganowo utakula, ndinamuimba mlandu chifukwa chofuna kusamalira zinthu zambiri.
Sitinathe kudziwa momwe mungalekerere kumenyana, zikuwoneka kuti palibe chigamulo chomwe chikuwonekera. Ngakhale kuti kwa aliyense wa ife zinkawoneka ngati kuti winayo anali kusasamala, poganizira zam’mbuyo, tonsefe tinali kuyesetsa zimene tingathe. Anasiya kuyitanitsa ndipo nthawi zonse ndimayang'ana ntchito zatsopano. Tsopano ndazindikira kuti kusiyana kunali m’maleredwe athu. Lingaliro lathu la zinthu zapamwamba ndi zofunikira zinali zosiyana pang'ono.
Muyenera kukumbukira kuti nthawi zambiri, ndalama zimawononga maubwenzi. Mukalola kuti zinthu zisamayende bwino kwa nthawi yayitali, zimangokulirakulira. Palibe wamatsenga wamatsenga kunja uko kuti akonze chilichonse tsiku lina labwino. Muyenera kuyesetsa nthawi zonse kuti mukhale ndi ubale wokhazikika komanso wotetezeka ngakhale mutataya ntchito kapena muli pachibwenzi ndi mwamuna yemwe sali bwino pazachuma.
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3. Sungani zonse poyera
Njira yabwino yopewera nkhani zachuma ndi pamene mukukambirana zandalama zanu zonse ndikupanga dongosolo logwirizana ndi umunthu wanu komanso zomwe mukuyembekezera. Pachifukwa ichi, m'pofunika kuti musabise kugula kulikonse kwa wokondedwa wanu. Othandizana nawo ambiri amasunga akaunti yachinsinsi yakubanki kapena kukhala ndi kirediti kadi yomwe winayo sadziwa. Zimenezi zingayambitse mikangano m’banja mwanu. Mofananamo, musazengereze kulankhula mokoma mtima nkhani iliyonse mungakhale nazo za zizolowezi zachuma mnzanuyo.
Titalolana kukhala ndi nthawi yabwino komanso mkwiyo utakhazikika pang'ono, tinakhala pansi ndi kukambirana. Kodi tiyenera kukhala limodzi ndi kuyesa kupeza njira yothetsera mikangano yathu yazachuma, kapena tizingotuluka? Tinafika pa mgwirizano kuti kusokonekera kwachuma kwadzetsa zovuta kwambiri mwa ife, koma monga nthawi zonse zovuta, izinso zidzatha. Pali zingapo njira zosungira ndalama ngati banja, ndipo tingayese kutsatira zimenezo.
Choncho tinagwirizana zoika ndalama zokhazikika m’bokosi la ndalama zimene timagulira nyumba, osaphatikizapo za lendi. Tonse timapereka ndalama zofanana. Kupatula kuchotsera kwanthawi zina, zonse zayamba kukhala zabwino tsopano. Koma kuti timvetsetse zandalama, tidayenera kudutsa ku gehena, zomwe zitha kupewedwa kotheratu ngati maanja akhazikitsa malamulo oyendetsera ndalama asanasamukire limodzi. Kupatula apo, pali zifukwa zabwino kwambiri zolekana kuposa ndalama, sichoncho?
- Malangizo oti mukhale ndi "nkhani ya ndalama" mutangoyamba chibwenzi.
- Momwe mungapewere kulamulira ndalama kapena kusokoneza pa chibwenzi.
- Zizindikiro zomwe inu ndi mnzanuyo mungafunikire uphungu wazachuma.
- Kulinganiza zolinga zaumwini ndi zogawana zandalama.Zotsatira zamavuto azachuma pakukhala bwino kwamalingaliro.
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4. Kusiyana kwa malipiro kusakhale kulinganiza mphamvu
Nthawi zambiri, abwenzi amakhala ndi malipiro osafanana. Izi siziyenera kukhala chifukwa choti munthu amene amapeza ndalama zambiri azinena kuti ali ndi mphamvu zambiri muubwenzi. Izi zitha kupanga masewera amphamvu osafunikira omwe angangobweretsa mipata muubwenzi wanu. Ngakhale mutakhala pachibwenzi ndi mwamuna yemwe sali wokhazikika pazachuma, sizikutanthauza kuti mumayesa kumulamulira nthawi iliyonse. Pali njira yoyenera yochitira zinthu ndipo kulankhulana ndi njira imodzi yosavuta komanso yothandiza kwambiri.
Pamene muli pachibwenzi ndi mwamuna amene ali ndi mavuto azachuma kapena mkazi amene wangochotsedwa kumene ntchito, kumbukirani kuti chibwenzi chili pakati pa anthu awiri ofanana. Kupanda kutero, zimangokhala kuphatikizika kwa mphamvu pomwe wina amayesa kutengera ulamuliro wawo ndipo winayo amawukana. Mnzanga wina, Nora, anawonjezera kuti, “Zingakhale kuti bwenzi langa likulimbana ndi ndalama pakali pano, koma zimenezo sizikutanthauza kuti sindidzathetsa nkhani zathu mwa kulankhulana kapena kuyesa ‘kumusonyeza malo ake’.”
Kumbukirani kuti kutsatira mosamalitsa mfundo yakuti “zanga ndi zanu” si njira yabwino kwambiri yogwiritsira ntchito pankhani ya zachuma muubwenzi wanu. Posakhalitsa, mudzatha kunena chinachake chotsatira cha "chonde chotsani manja anu pa zomwe ziri zanga"! Ndikofunikiranso kupanga malire abwino. Izi sizikutanthauzanso kuti muli ndi ndalama zolekanitsa chifukwa pamapeto pake zingabweretse mkwiyo ndi nsanje m'banja.
Njira yothandiza kwambiri yochotsera nkhani zandalama muubwenzi ndi kukambirana ndi okondedwa wanu, kenako kambiranani zina. Zotsatira zake, simudzangowona akaunti yakubanki ikuwoneka yathanzi komanso ubale wanu. Ubale wabwino, mkhalidwe wabwino wachuma, galu wathanzi. Kodi munthu angapemphenso chiyani?
(Monga anauza Vakratuund)
(Maina asinthidwa kuti ateteze zidziwitso)
Ibibazo
Nkhani zandalama muubwenzi zimatha kusokoneza banja. Njira ya "ndalama zanu ndi ndalama zanga" imasintha mwachangu ndipo nkhani zandalama zimatha kusokoneza anthu awiri, omwe mwina angakhale angwiro kwa wina ndi mnzake.
Zonse zimagwirizana, ndipo kuti mukhale ndi ubale wachikondi, muyenera kukhala ogwirizana m'mbali zonse za izo, kuphatikizapo zachuma. Kuvomerezana pazandalama ndikofunikira kwambiri ngati mukufuna kukhala ndi chikondi mumkhalidwe wake weniweni.
Poyeneradi. Ndalama ndi chimodzi mwa zifukwa zazikulu zomwe zimachititsa kuti anthu azisudzulana, chachiwiri ndi kusakhulupirika. Izi zimangosonyeza kufunika kwake kukonzekera ndalama ali mu maubale. Pokhapokha mukamalankhulana nthawi zonse ndi kukonzekera zinthu pamodzi m'pamene mungakhale ndi mwayi uliwonse wopewa zinthu zosapeŵeka.
Pakhoza kukhala mbendera zofiira zingapo mu ubale, kunena zandalama. Wokondedwa wanu akhoza kukhala akukusungirani zambiri zofunika, monga ngongole zawo kapena kusunga. Atha kukhala ndi moyo wosiyana kwambiri ndi zomwe akaunti yawo yaku banki iyenera kuloleza. Nthawi zambiri amabwereka ndalama kwa inu osabweza, akubwera ndi chowiringula nthawi zonse. Ndikofunika kukhala tcheru ndi mbendera zofiira zotere ndikukambirana moona mtima za iwo.
Mwamtheradi. M'malo mwake, malinga ndi kafukufuku wa Policygenius, mwayi woti banja litha kuwirikiza ka 10 ngati m'modzi akuganiza kuti mnzakeyo ali ndi zizolowezi zoipa zachuma. Ngati mukufuna kuti ubale wanu ukhale wotetezeka ku mavuto azachuma, m'pofunika kuti mukambirane nkhani zosiyanasiyana zandalama pazibwenzi ndi momwe mungapewere.
Njira yosavuta komanso yosavuta ndiyo kusiya kuzengereza ndikulankhulana mwachindunji zandalama zanu ndi mnzanu. Muzilankhula za ndalama nthawi zonse ndipo sungani zinthu zonse mogwirizana. Othandizana nawo amatha kuthana ndi mavuto azachuma muubwenzi akadziwa za vutolo ndikuyesetsa kulithetsa.
Maganizo Final
Nkhani zandalama ndizovuta kwambiri pazibwenzi, koma ndikulankhulana momasuka, kumvetsetsana, komanso kugwira ntchito limodzi, maanja amatha kuthana ndi mikanganoyi moyenera. Pofikira pazachuma ngati udindo wogawana, abwenzi amatha kulimbikitsa mgwirizano wawo ndikumanga maziko akukhulupirirana ndi kuwonekera. Alangizi athu odziwa zambiri zingakuthandizeni inu ndi mnzanuyo kukhala ndi njira zabwino zolankhulirana ndi zizolowezi zachuma zomwe zimalimbikitsa mgwirizano ndi kumvetsetsa.
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Ngati sizisamalidwa bwino, ndalama zingawononge ubale wanu. Muyenera kusamala kwambiri ndi kasamalidwe ka ndalama mukakhala ndi mnzanu. Asanasamukire, chimodzi mwazinthu zofunika kwambiri zomwe maanja ayenera kukambirana za kayendetsedwe ka chuma chawo.
Kukambirana za bajeti ndi zolinga zogawana ndalama nthawi zonse kungathandize kuchepetsa mikangano ndi mikangano yomwe imayambitsa ndalama.