Dzina lake ndi Janet. Kapena, ngati mukufuna, mutha kumutcha dzina lina lililonse lomwe mungafune. Dzina lilibe kanthu, chofunika ndikuti mumadziwa nkhani yake. Ndi mzanga, ndamudziwa kwa zaka zambiri. Anakhala pafupi nane pamavuto anga onse. Ndipo komabe, itakwana nthawi yoti ndichite zomwezo, sindinathe. Sanandilole. Ndinakhala pafupi ndi iye kwa maola ambiri ndikuyang'ana kulira kwake. Ndinadziwa kuti chinachake sichili bwino.
Ndinatsimikiza mtima kuti ndifufuze chimene chinalakwika pamoyo wake. Nkhani zandalama m’banja? Kapena chinali chochita ndi moyo wake waumwini? Werengani kuti mudziwe chomwe chinali kudwala mnzanga, komanso momwe adadutsa m'mavuto ake.
Momwe Nkhani Zandalama Muukwati Zinasokoneza Ubale Wachimwemwe
M'ndandanda wazopezekamo
Bwererani zaka zisanu ndi zitatu zapitazo pamene adapeza chikondi choyamba. Ichi mwa icho chokha chinali chilengezo chachikulu kwa ine, popeza iye nthaŵi zonse anali wokhutira ndi ntchito ndipo sanalingalire konse za kukwatiwa. Nthawi zonse amakhala otanganidwa ndi ntchito yake, kotero atalengeza kuti amanga mfundo, makolo ake anali pamtambo wachisanu ndi chinayi ndipo ndinadabwa kwambiri.
Ukwati wake unali wopambana. Sindinawononge ndalama zogulira zovala, malo ochitira msonkhano, kukongoletsa, ndi nkhuku zofewa kwambiri zomwe ndinadyapo. Poganizira mmene ankasamalirira ukwati, ndinachita chidwi ndi mmene ankasangalalira ndi mutu watsopanowu m’moyo wake.
Kuwerenga Kofanana: Nkhani Zaukwati Zabwino Kwambiri - Kutolere Nkhani Zachikondi
Chiwonetsero cha "mosangalala mpaka kalekale"
Zaka zingapo zotsatira zinali ngati nthano kwa iye Osachepera ndi zomwe ndimaganiza nthawi iliyonse akamalankhula za mwamuna wake, apongozi ake, nyumba yake yatsopano. Mwamuna wake anali atamupatsa galimoto yatsopano, zinkaoneka kuti palibe chilichonse chosonyeza kuti banjali likuyenda movutikira, ngakhale kuti m’banjamo muli mavuto a ndalama. Amatha kupita kumayiko akunja pafupipafupi. Papepala, moyo unkawoneka ngati wabwino kwambiri kwa Janet. Iye apongozi ake anamulimbikitsa kugwira ntchito komanso. Chochititsa chidwi pa keke chinali chakuti anali ndi mwana ndi mwamuna wake, mtsikana wokongola.
Kenako tsiku lina anandiimbira foni n’kundipempha kuti tikakumane kumalo amene tinkawakonda kwambiri, ku Olive Garden.
Anamveka bata. Koma ndinadziwa kuti pali vuto. Sitinakumanepo mkati mwa sabata, chifukwa nthawi zonse ankafuna kubwereranso kubanja lake mwamsanga momwe angathere.
Titakhala pansi tikumwa khofi wozizira, ndinawona Janet wina. Nkhope yake nthawi zambiri inkakhala yodzaza ndi mkwiyo, kudziletsa komanso kudzikhulupirira. Koma madzulo amenewo ndinaona zala zake zikunjenjemera. Misozi ikutsika pang’onopang’ono, anandiuza kuti, “Akuchoka, sindinamuletse ayi.
Nkhani zandalama m’banja zinayamba kuyambitsa mavuto
Mwamuna wake ankalandira ndalama zochepa pomuyerekeza ndi iye koma sanataye mwayi womuimba mlandu wowononga ndalama zake. Kuneneza koteroko kunadzetsa nkhani zandalama m’banja, kuwononga unansi wawo wooneka ngati wangwiro ndi kusadzisungika ndi nkhani za trust. Pamene m’chenicheni, iye anali kuwononga ndalama zakezake ndi zimenezonso pa iye, makolo ake ndi mwana wawo wamkazi!
Kumene zinthu zidapita kummwera muukwati wake
M’kupita kwa nthaŵi, mwamunayo anatenga zinthu kupita patsogolo. Iye analengeza kuti akufuna kupatukana chifukwa ankaona kuti sangakhale ndi mkazi amene nthawi zonse amafuna kuwononga ndalama m’malo moganizira za m’tsogolo ndi kusunga ndalama. Amalimbana ndi ndalama ndi mkazi wake pomwe anali kale ndi inshuwaransi, ndalama zogulira ndalama ndi ma depositi okhazikika.
Iye akanatha kuchita nawo masewera onyansa a kusudzulana. Koma sanatero, ameneyo sanali iye. Anasankha njira yosavuta komanso yaukhondo.
Kuwerenga Kofanana: Pamene Mkazi Amapanga Ndalama Kuposa Mwamuna
Zinali zongoyenda pang'onopang'ono ndi kuvomerezana, mpaka adatenga mwana. Sanalole mikangano yandalama m’banjamo kudzetsa mpasuko waukulu ndipo analola ngakhale kukachezera mwana wawo kwa mwamuna wake kwaulere. Iye sanali kusamala ndalama zake, iye anali nazo zochuluka zakezake. Janet sanali wolola ukwati ndi ngongole kusewera ndi malingaliro ake. Iye sanatenge nkomwe zosamalira zirizonse kwa iye.
Mwachibadwa, masiku otsatirawo sanali opepuka kwa iye. Kusuntha kuchoka ku chisudzulo sikophweka konse. Kukhala mayi wosakwatiwa mumzinda, popanda makolo obwerera m'mbuyo, si vuto. Koma iye anachita izo. Kuyambira kupeza malo okhala mpaka kukakumana ndi azakhali ake omwe amawasamalira mwana wawo ali kuntchito.
Momwe adapitira kuchoka ku banja lolephera
Ndinkangokhalira kucheza naye nthawi zonse. Nthawi zonse tikamayankhula, nthawi iliyonse, ma Albums ake aukwati amatuluka. Pamene ndinamuuzanso kuti ichi chinali chinthu chimodzi chimene anali kulakwitsa, iye anandiuza kuti, “Ndizo zonse zimene ndinasiya m’mbuyomo.” Kenako anayamba kulira. Sanandimvere.
Ankagwira zithunzizo kutseka. Iwo ankaoneka kuti anali anzake.
Ndiye tsiku lina, pafupi miyezi ingapo yapitayo, pamene ine ndinali kwa iye, ndipo patapita nthawi yaitali titatha chakudya, iye anatulutsa zimbale zija ndi kundipatsa izo kwa ine.
Iye anati: “Tengani izi, ndipo chitani zonse zimene mukufuna kuchita nazo, koma osandisonyezanso, zithunzi zimenezi sindikufunikiranso.
Kuwerenga Kofanana: Mmene Mungamenyere Chisudzulo
Mafunso ambiri adabuka mkati mwanga, sanandiyankhe chilichonse. Ndi Janet wanu. Iye amasankha yekha zochita. Ndipo pamene iye atero, iye amangotero; osapereka mafotokozedwe mpaka iye atafuna. Koma, kuyambira usiku umenewo, ndaona kusintha mwa iye. Amawoneka komanso akumveka ngati mtsikana yemwe ndimamudziwa kale. Sindikudziwabe kuti chinali chiyani chomwe chinamupangitsa kusiya nyimbozo. Koma ndikuyembekeza kuti tsiku lina adzandiuza.
Koma ine - sindinataye ma Albums. Zalongedwa m'bokosi ndikuziyika kuseri kwa kabati yanga. Ndimayang'ana bokosi kamodzi pakanthawi. Ndi chikumbutso kwa ine kuti zinthu zimasintha. Nthawi zonse timakhala ndi mwayi woti tichite kapena kusiya. Mnzanga anasankha woyamba.
Momwe Mungathanirane ndi Nkhani Zandalama M'banja
Monga momwe zinalili kwa ine, kusakhulupirika pazachuma m'banja kungakhale chifukwa chimene chirichonse chinasanduka wowawa mu ubale wina wathanzi. Nkhani zandalama m’banja zimatha chifukwa cha kusatetezeka, kunama za ndalama/zopeza kapena kupanga zisankho zandalama osauza okondedwa wanu.
Nkhani zandalama m’banja siziyenera kukhala zovuta monga momwe zinalili m’banja langa. Mukawona kuti pangakhale masewero onyansa omwe akukhudzidwa, ndi pamene muyenera kuyesa kugwiritsa ntchito njira zotsatirazi kuti muwonetsetse kuti kulimbana ndi ndalama ndi mwamuna kapena mkazi wanu sikuwononga ubale wanu.
1. Kumvetsetsa maganizo a wina ndi mzake ndi kulankhulana pafupipafupi
Kuti mukonze zovuta zilizonse zandalama m'banja mwanu kapena kuwonetsetsa kuti sizichitika koyamba, kambiranani zolimbikitsa ndi wokondedwa wanu za ndalama komanso momwe nonse mukufuna kugwiritsa ntchito / kusunga ndalama zanu. Kodi wokondedwa wanu akufuna kuwononga ndalama zambiri kuposa inu? Kodi mnzanuyo akufuna kuyika ndalama zanu zonse muzinthu zomwe simumasuka nazo?
Kukambirana kudzaonetsetsa kuti palibe amene angasankhe yekha zochita. Muuzeni mnzanuyo kuti n’kosawiringula kusiyidwa pakupanga zisankho.
2. Muzifuna ulemu muubwenzi wanu
Ngati vuto la zachuma lachitika m’banja mwanu, mwina linachokera ku zinthu zina zimene ziyenera kuthetsedwa mwamsanga. Mwachitsanzo, ngati wokondedwa wanu sakulemekeza maganizo anu kapena kupanga zisankho, sawona chifukwa choyesera ndikuphatikizani muzochitikazo.
Muuzeni mnzanuyo kuti mukuyenera kulemekezedwa ndi popanda kulemekezana mu chiyanjano, sipadzakhala ubale poyamba.
3. Perekani bajeti ndi kuitsatira
Njira yabwino yopangira ndalama zanu ndikudziwa ndalama zomwe zimapita ndikukhazikitsa bajeti yomveka bwino popanda malo osokonezeka. Chilichonse chikakonzedwa papepala, zomwe zikutanthauza kuti inu nonse munakambirana za izo, kugwirizanitsa mabuku ndi kumveka bwino pa ndalama kudzakhala kosavuta.
4. Limbikitsani wina ndi mzake kuti musanama
Ngakhale mutapanga chisankho choipa kwambiri pankhani ya zachuma, kumudziwitsa mnzanuyo n’kofunika ngati mukufuna kupewa nkhani zandalama m’banja. Musalole kugula kwanu, ndalama zomwe mumapeza, kapena zokonda zanu kukhala zachinsinsi. Banja labwino limamangidwa chifukwa cholimbikitsana, kukhulupirika, ndi kukhulupirirana. Zinthu zimenezi zikakhazikitsidwa, mudzapewa nkhani za ndalama m’banja mwanu.
(Dzina lasinthidwa kuti muteteze chidziwitso)
Ibibazo
Kusakhulupirika pazachuma m’banja kumatanthawuza pamene okwatirana amabisa ngongole, kuwononga ndalama, kukhala ndi maakaunti achinsinsi, kapena chirichonse chokhudzana ndi ndalama zomwe zimabisidwa kwa wokondedwa wawo. Kusakhulupirika pazachuma kungayambitse nkhani zambiri zandalama m'banja komanso kudalirana.
Maanja angathe ndipo nthawi zambiri amayenera kusunga ndalama zawo mosiyana. Kukhala ndi maakaunti osiyana kungayambitse mikangano yochepa yokhudzana ndi ndalama ndi mnzanu. Komabe, kusunga maakaunti osiyana sikumakupatsani mwayi wobisa zomwe mumapeza kapena ndalama zomwe mumapeza kwa mnzanu. Kukhala womasuka ndi wowona mtima ndi zachuma ndikofunikira m'banja lililonse.
4 Gwirani Zizindikiro Zomwe Mungakhale Mukuzinyalanyaza Paubwenzi Wanu
Zopereka zanu sizikupanga zachifundo Mphatso. Zilola kuti Bonobology ipitilize kukubweretserani zidziwitso zatsopano komanso zaposachedwa pakufuna kwathu kuthandiza aliyense padziko lapansi kuphunzira momwe angachitire chilichonse.
