Momwe Tidagawira Udindo Wathu Wachuma Pambuyo pa Ukwati

Mukakhala pachibwenzi chaukwati musanalowe m'banja, chidwi chanu pazachuma chimakhala chochepa. Mnyamata amayesa kusangalatsa mtsikanayo pokhala chivalrous ndi kulipira bilu nthawi iliyonse iwo kupita kunja kwa chibwenzi. Mtsikanayo amakonda machitidwe ake onse ndipo malingana ndi momwe amachitira, angafune kulipira nthawi ndi nthawi kapena kupita ku Dutch ndi mnyamatayo.

Mfundo yanga ndi yakuti, ndalama sizikhala fupa la mikangano musanalowe m'banja. Koma mutangokwatirana, kuyika ndalama m’maudindo a ukwati kumakhala kosiyana kwambiri—chinthu chimene mwina simunakonzekere n’komwe. Udindo waumwini wa zachuma umakhala wofunika kwambiri chifukwa, masiku ano, palibe mkazi amene amafuna kudalira mwamuna wake pa ndalama zake.

Kugawana Udindo Wachuma Muukwati

Ndiloleni nditchule chitsanzo. Pali maudindo ena aukwati monga kugula zinthu za m'nyumba - makatani, makandulo, matawulo ndi zina zotero. Mwinamwake, mnyamatayo akuyenera kulipira. Mnyamatayo, komabe, akhoza kuganiza za lingaliro lopanduka - kodi ife timaterodi amafunika makatani ambiri osiyanasiyana? Ndizovuta bwanji kusunga imodzi kapena kungokhala, mwina, kusintha kumodzi kowonjezera? Apa ndipamene ma alamu akuyamba kulira.

Izi zingawonekere kukhala kusiyana kosafunika kwenikweni poyamba, koma zimasonyeza momwe zinthu zosiyanasiyana zingawonekere ngati 'zosowa' kapena 'zofunika' malinga ndi momwe munthuyo amaonera. Pamwamba pa izi, pali vuto lonse la zinthu zaumwini. Popanda udindo wokhazikika wamagulu azachuma, maanja amatha kuvutika kupeza njira zothetsera mavuto azachuma.

Mnyamatayo angafune kugula PlayStation ndikutenga ndalama ku corpus yomwe onse awiri akhala akusungirako. Mtsikanayo angaganize kuti ili ndi lingaliro loipa. Malingaliro ake okhudza duvet watsopanoyo yemwe wakhala akukonzekera kukatenga pa malonda angakhalenso ndi zotsatira zomwezo. Kulimbana uku kugawana udindo wachuma m'banja kumadzetsa nkhawa kwa onse omwe ali pachibwenzi, zomwe zimawawa pomwe sakufunikira.

Kukhala Ndi Maudindo A Mwamuna Ndi Mkazi

Pali njira zothetsera vutoli. Ngakhale sindingakhale katswiri wa zamaganizo, nditha kutchula zitsanzo za moyo wanga komanso momwe ndimathetsera vutoli losatha lomwe limakhalapo pakati pa okondedwa. Titakambirana kosatha, tinapeza njira yabwino yogawira ndalama pakati pathu.

Zomwe zili pamwambazi ndi zenizeni ndipo ambiri mwa inu angagwirizane nazo. Poyamba, ine ndi mkazi wanga tasankha momveka bwino ndalama zomwe tili nazo ndipo tapangana kuti tisasokoneze udindo wathu wa mwamuna ndi mkazi.

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1. Tidawunika zomwe timapeza

Izi zikachitika, mikangano yambiri imasamaliridwa nthawi yomweyo, ndipo kugawana maudindo m'banja kumakhala kochepa kwambiri chifukwa onse awiri amadziwa zomwe aliyense ali ndi udindo. Zikafika pa ndalama zokulirapo, kudula malire kumachitidwa moyenerera.

Mwachitsanzo, panopa ndikupeza ndalama zambiri kuposa mwamuna wanga, ndipo tangoganiza zogula nyumba: Ndinamaliza kulipira 60% ya ndalama zomwe ndagula, pamene adalipira 40% yotsalayo. Ichi ndi chimodzi mwa zabwino kwambiri njira zopewera kusamvana kwachuma m'banja.

2. Maudindo apabanja

Udindo waukwati ndi wochuluka, koma chachikulu ndicho kugawa maudindo a m’banja. Zaka zapita kale akazi okha ndi amene anali ndi udindo panyumba, tsopano amuna nawo mbali. Muukwati wanga, taganiza zogawana ndalama zogulira nyumba malinga ndi dera lanyumba. Choncho ndimalipiritsa ndalama zogulira kukhitchini ndi m’bafa monga zogulitsira, mbale, sopo ndi shampoo, pamene iye amalipira zogulira pabalaza, chipinda chogona ndi zinthu zina zosiyanasiyana.

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3. Ndalama zatchuthi

Kupitilira izi, timakondanso kugawa ndalama zatchuthi pakati pathu. Tonse, mwamuna wanga ndi ine, ndife okulirapo paulendo, ndipo kuwonjezera pa kuphunzira kukwera maulendo, kutsetsereka, ndi kudumpha ndege, taphunziranso kugawa maudindo azachuma tikakhala kutali ndi kwathu. Malangizo awa ndiwothandiza kwambiri mu ndondomeko ya zachuma kwa okwatirana kumene.

Pali njira zambiri zochitira izi: choyamba ndi ngati mugawa ndalama m'njira yoti munthu m'modzi akwaniritse mbali imodzi monga malo ogona, chakudya ndi zofunikira zina, pomwe wina amalipira zoyendera ndi kugula. Kachiwiri, mutha kusinthanitsa ndalamazo - ndimalipira tchuthi chimodzi, pomwe mwamuna wanga amalipira lotsatira.

4. Phunzirani kuyika ndalama

Kugawana udindo wachuma m'banja ndikofunikira kwambiri, ndipo kutenga nawo mbali mofanana pakusungira tsogolo lanu ndi gawo limodzi chabe la udindowu. Kodi dongosolo lanu lopuma pantchito ndi lotani ngati banja? Kodi muli ndi cholinga chandalama musanakwanitse zaka zimenezo?

Pokhapokha mutakambirana izi, simungakonze ndondomeko ya ndalama. Zingakhale zopindulitsa kupanga ganyu mlangizi kuti afotokoze zina malingaliro azachuma kwa maanja ndikukuthandizani kumvetsetsa komwe ndalama zanu zimayikidwa.

Izi ndizotsegukira kukambirana potengera momwe mungagawire ndi okondedwa wanu, koma zimachepetsa udindo wachuma pa onse awiri. Komanso, milandu yomwe ili pamwambapa ndi yofunika kwambiri pamene mamembala onse akupeza ndalama. Popeza izi zimachitika makamaka m'mizinda yayikulu, ndizofunikira kwa owerenga athu ambiri.

Ngati wina wa inu ndi mayi wapakhomo kapena mwamuna wapakhomo, ndiye kuti zimango izi zitha kusintha pang'ono. Crux, kuti ndalama zabwino kwambiri za bajeti zimangoyendetsedwa mwa kumvetsetsa kwathunthu kwa mnzanuyo, ndi chinthu chokha chomwe muyenera kukumbukira.

Kodi ndi njira ziti zomwe maanja amagawirana ndalama?

• Zofanana zogawa ndalama
• Zopereka molingana ndi zomwe wapeza
• Kupereka mabilu apadera kwa wokondedwa aliyense
• Kuphatikiza ndalama mu akaunti yolumikizana

Ibibazo

Maganizo Final

Kugawa maudindo azachuma mutatha ukwati kumafuna kulankhulana momasuka, kulemekezana, ndi kumvetsetsa bwino mphamvu za okondedwa, ndalama, ndi zolinga zake. Kaya mumagawaniza ngongole mofanana, molingana, kapena kutengera zomwe munthu amakonda, chofunikira ndikugwira ntchito ngati gulu. Ndondomeko yodziwika bwino yazachuma imachepetsa kupsinjika, imalimbikitsa kukhulupirirana, komanso imalimbitsa ubale wanu pakapita nthawi. Alangizi athu zingakuthandizeni kupanga ndondomeko yachuma yomwe imalimbitsa mgwirizano wanu ndikuchepetsa mikangano.

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