Ubwino 9 Wosalowa M'banja

Mabanja pa Instagram atha kukupangitsani kulakalaka ukwati wa pastel ndi tchuthi chaukwati ku Bahamas. Koma moyo wawo wokonzedwa kudzera mu lens wosefedwa umasiyana kwambiri ndi zenizeni. Musalole kuti FOMO ikupangitseni kuiwala za ubwino wosakwatiwa.

Ayi, sitikunena kuti kukwera sitima kupita ku umbeta kapena kusakwatiwa. Osathamangira kulowa m'banja chifukwa chokakamizidwa ndi anthu. Mutha kukhala osakwatiwa kwa nthawi yonse yomwe mukufuna kapena kukhala moyo wokongola ndi mnzanu popanda kumanga mfundo. Pali zifukwa zambiri zomwe zimalepheretsa kulowa m'banja. Kuyambira kuzemba msonkho mpaka kupewa maudindo aukwati kapena kungodzipulumutsa nokha ku ndalama zaukwati wopambana. Kaya zifukwa zanu zingakhale zotani, ichi ndi chifukwa chake chisankho chanu chilili.

Ubwino 9 Wosalowa M'banja

Malinga ndi ziwerengero , anthu opitilira 35 miliyoni ndi osakwatira ku USA? Anthu awa ndi 31% ya akuluakulu onse, koma 50% ya anthuwa akusangalala ndi umbeta wawo mwaufulu. Izi zikusonyeza kuti sakufuna n’komwe kukhala pachibwenzi, makamaka kukhazikika. Kupatula iwo, okondana 17 miliyoni akukana kumanga ukwati. Chiwerengero cha anthu osakwatirana omwe amakhala limodzi chawonjezeka katatu m’zaka makumi awiri zapitazi. Ngakhale kuti ziwerengerozi zingadabwitse ena, kwa ena ndi gawo la moyo wawo.

Nazi zina mwazifukwa zoyenda pansi panjira mwina sikungakhale lingaliro labwino kwambiri.

1. Ubwino wokhala wosakwatiwa

Ngati simukufuna kukhala pachibwenzi, ukwati suli wofunika kwambiri kwa inu. Anthu omwe akukumana ndi mavuto kapena kulephera kwa ubale wawo wakale sangafune kulowa muubwenzi. Komanso, anthu ambiri osagonana ndi amuna kapena akazi okhaokha amakonda kukhala osakwatiwa. Kaya chifukwa chanu ndi chiyani, ndi bwino kudzipatsa nthawi ndi malo kuti mukule kapena kuchira musanadzipereke kwa munthu wina. Zimakupulumutsaninso ku mavuto ambiri m'moyo omwe nthawi zambiri amabwera chifukwa cha maubwenzi atsopano.

Masiku ano, Millenials ambiri akusankha kukhala osakwatiwa, m'malo mogwera mumsampha waukwati. Izi zili choncho chifukwa akukula kukhala okonda kwambiri zolinga komanso amafuna kuchita bwino pantchito kuposa ukwati. M'malo modzikakamiza, mutha kusankha ufulu wanu wosankha ndikufunafuna zinthu zina zofunika.

2. Phindu lazachuma la kusakwatira

Tiyeni tifufuze bwino nkhaniyi. Kafukufuku akusonyeza kuti ukwati wamba umawononga ndalama zoposa $30,000? Ndalama zolipirira tsiku limodzi zimatsogolera ku ngongole zosatha.

Anthu omwe amadumpha mwambo waukwati amasunga zambiri, ndipo akhoza kuyika ndalama izi kuti apindule kwa nthawi yaitali. Kuwonjezera pa kukwera mtengo kwa tsiku limodzi, kusakwatira kungathandizenso mkhalidwe wanu wa ngongole. Ndi Equal Credit Opportunity Act, mutha kutenga ngongole popanda mnzanu. Komanso, mutha kuthandizira kukonza ngongole za anzanu kapena okondedwa anu popanda kukwatirana nawo. Ingowonjezerani ngati ogwiritsa ntchito ovomerezeka pa kirediti kadi yanu. Gawo lazachuma la moyo silifuna chovala choyera kapena malumbiro paguwa.

Ngati mukufuna kukwatira chifukwa cha inshuwalansi ya thanzi ya mnzanu, chonde musachite zimenezo. Pali makampani ambiri omwe amapereka izi kwa okwatirana nawo. Amafunika umboni wa momwe mulili m'nyumba kwa miyezi 6 yapitayi komanso dongosolo loti likhalebe lotero kwamuyaya. Chofunika kwambiri, anthu ambiri amasangalala kwambiri ndi ufulu wawo wazachuma . Kukhala osakwatiwa kapena osakwatiwa kumakuchotsani pa udindo wogawana maakaunti akubanki ndi mnzanu. Ngati simukufuna kukambirana kapena kufotokoza komwe mumagwiritsira ntchito ndalama zanu, nthawi yake, komanso momwe mumagwiritsira ntchito ndalama zanu, ingosiyani kuchita izi.

3. Zotsatira za kukwatiwa pa msinkhu wolakwika

Tonse tili ndi azakhali ndi amayi omwe adakwatirana asanakwanitse zaka 18 ndipo anali ndi ana azaka zawo zoyambirira za makumi awiri. Tsopano, iwo amakunyozani inu ndi kunyoza pamene inu mukunena za kusakwatira. Avereji ya zaka za ukwati tsopano ili pakati pa 25 ndi 30, ndipo m’poyeneradi!

Ubwino wosakwatira kapena kukwatiwa udakali wachinyamata ndi wapadera komanso wochuluka. Zaka za m'ma 20 ndi nthawi ya moyo wanu pamene mukudziganizira nokha. Muyenera kuyang'ana kwambiri zokhumba zanu, zomwe mumakonda, zomwe simukonda, kuzindikira za kugonana, ndi zolinga zantchito. Komanso, ndi nthawi yokhala ndi maudindo ochepa komanso osangalatsa kwambiri. Simuli womangidwa kusukulu kapena ku koleji komanso mulibe zoletsa kunyumba kapena nthawi yofikira 10pm. Ndi nthawi yabwino yogwira ntchito molimbika komanso kuchita maphwando molimbika.

Mungathe kudzuka, kugona, kudya, kuyenda, kuchita maulendo ambiri a atsikana osadzimva kuti ndinu olakwa ndikuchita zomwe mtima wanu ukufuna popanda kuyankha kwa aliyense. Kukwatira msanga kumakupangitsani kuphonya zochitika zofunikazi. Komanso, nthawi zambiri mumataya anzanu apamtima mukakhazikika, makamaka muli aang'ono. Nthawi yofufuza zogonana ndi zomwe mumakonda paubwenzi imachepanso mukakwatirana muli aang'ono. Kuzindikira kuti mumakonda mgwirizano wa akazi ambiri m'malo mokhala ndi mkazi mmodzi mutakwatirana kungayambitse mavuto. Mwachidule, m'malo mothamangira ukwati, muyenera kutenga nthawi yodzimvetsetsa nokha ndikumanga umunthu wanu.

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4. Zotsatirapo zoipa za chisudzulo

Ngakhale tikufuna kulimbikira ku maloto a 'zaka chikwi' kapena 'kukhala limodzi kwamuyaya', sizingatheke. Maukwati ambiri amakhala ndi tsiku lotha. Sitikudziwabe. Kodi mukudziwa, malinga ndi kafukufuku , pafupifupi 50% ya maukwati onse amathera mu chisudzulo kapena kulekana? Ziwerengero zimakwera kufika pa 60% ngati ndi ukwati wanu wachiwiri. USA ili pa nambala 6 padziko lonse pankhani ya chiŵerengero cha mabanja osudzulana. Ndipo mabanja osudzulana amabwera ndi ndalama zambiri komanso zamaganizo. Mtengo wapakati wa chisudzulo ndi woposa $15,000. Zingakhale zoyipa kwambiri ngati muyenera kulipira ndalama zothandizira banja lanu lakale.

Komabe, mabala a m'maganizo sangayesedwe ngati chinthu chimodzi. Anthu amamva ululu waukulu, chisokonezo, ndi kuperekedwa m'maubwenzi nthawi zambiri. Zingawonjezere mwayi wokhala ndi zizolowezi zodzipha, PTSD, ndi zizindikiro zina zosautsa zamaganizo. Nkhaniyi imakula kwambiri pamene pali ana omwe akukhudzidwa ndi chisudzulo. Amakumana ndi mavuto ena omwe angakhudze thanzi lawo lakuthupi ndi lamaganizo. Kuphatikiza apo, kulimbana chifukwa cha kulera ana kapena ndalama zosamalira ana kumabweretsa mavuto. Ngakhale kuti kusudzulana kungakhale kovuta kwambiri, ngati sikokwanira, ndipo kukhala wosakwatiwa kungakhalenso kosungulumwa, kusudzulana ndi vuto lalikulu. Ndibwino kukhala wosakwatiwa ndikupewa zovuta zoopsa za chisudzulo.

5. Mungapewe kutengeka ndi apongozi

Tikhale oona mtima, palibe amene amafuna kucheza ndi Aunty Betty nthawi iliyonse ya tchuthi. Kapena kuvomereza mawu onyoza ochokera kwa apongozi ankhanza nthawi zonse. Sizosangalatsa aliyense. Kuchita ndi apongozi ankhanza komanso mabanja akuluakulu kumawononga thanzi lathu la maganizo. Nthawi zambiri amaopsezedwa ndi kukhalapo kwanu. Salemekeza malire anu ndipo amapeza zolakwika pa zochita zanu zonse. Nthawi zambiri, apongozi amtunduwu amalamulira, amanyoza, komanso amadzikonda kwambiri ndipo apongozi ambiri amawononga maukwati nthawi zambiri kuposa momwe mukuganizira. Sangagwirizanenso bwino ndi banja lanu. Zochita zawo zopitirira muyeso zimatha kuwononga zambiri osati chakudya chamadzulo cha Thanksgiving.

Kuopsa kopitirizabe kungathe ngakhale kuwononga moyo wachimwemwe wa m’banja. Zimapangitsa kuti banjali likhale lovuta kwambiri. Amayamba kumenyana ndi kusamvana chifukwa cha chikoka cha banja lawo. Komanso, mnzawo yemwe ali ndi banja loyipa amavutika ndi mbali zonse ziwiri. Ayenera kuponda madzi mosamala popanda kukhumudwitsa banja lawo kapena mwamuna kapena mkazi wawo. Zochitika zabwino kwambiri zomwe apongozi anu ali okoma komanso abwino zitha kukhala zovuta. Muyenera kusamalira thanzi lawo ndi ndalama. Ichi ndichifukwa chake anthu ambiri amasankha kudumpha fiasco ya apongozi ndikukhala opanda nkhawa.

6. Chosankha chovuta

Kodi ndinu munthu wongolankhula kapena munthu wamba? Kodi simukonda kugawana malo anu enieni? Kodi muli ndi chilema chomwe chimakupangitsani kukhala chovuta kukhalira limodzi ndi munthu wina? Ngati zokonda zanu zisemphana ndi lingaliro la ukwati wamwambo, lumphanitu. Moyo wachipambano waukwati umafunikira kudzimana kofanana ndi kusintha kwa okwatiranawo. Chifukwa chake, muyenera kukhala okonzeka 100% ndikukondwera ndi lingaliro ili musanamange mfundo.

Munthu aliyense ali ndi umunthu wake wapadera, mbiri yake ya moyo, ndi zolinga zake. Mwachitsanzo, ngati muli ndi mwana ndi mnzanu wakale kapena munatenga mwana, ndiye kuti kukwatira n'kovuta kwambiri kwa inu kuposa munthu amene safuna kukhala ndi ana . Udindo wanu woyamba komanso waukulu uli pa mwana wanu. Izi zikutanthauza kuti kugwirizana kwa mwana wanu ndi mnzanu n'kofunika kwambiri monga momwe mumachitira ndi kudzipereka kwanu kwa iye. Ngati mnzanu amene mudzakhala naye paubwenzi sakonda mwana wanu, kumukwatira sikuli koyenera.

Ubwino wosakwatiwa ukakhala ndi mwana ndi wopanda malire. Zimakupulumutsani inu ndi mwana wanu vuto la kuzolowera munthu watsopano m'nyumba. Zimathandizanso kupeŵa mavuto onse amene mwana wanu amakumana nawo m’banja. Mofananamo, ukwati suli wanu ngati mukunyoza kudzipereka ndi kukonda kukhala moyo wopanda zingwe zomangika kwa munthu aliyense. Ndi bwino kufufuza njira zina m’malo molola kuti zochita za anzanu zikugonjetseni.

7. Phindu la msonkho wosakwatira

Kwa nthawi yaitali, anthu ena akhala akukwatiwa pazifukwa zolakwika. Kupusitsidwa kwa ndalama zambiri za msonkho ndizo basi - chinyengo. Ndi kusintha kwa nthawi, ndalama zomwe amapeza, komanso ogwira nawo ntchito, ndalama zotumizira misonkho sizikhala zokopa ngati kale. Kale, akazi ankakhala pakhomo ndipo mwamuna ndiye ankasamalira banja. Kuonjezera apo, ngakhale mkaziyo atagwira ntchito, kusiyana pakati pa malipiro awo kunali kwakukulu. Malinga ndi nthawi zamakono, zochitika zikusintha.

Pamene ndalama za anthu okwatirana zimakwera, chilango cha msonkho chimakweranso. Maanja amalipira misonkho yambiri kuposa osakwatiwa pamene:
- Onse awiri ali ndi ndalama zambiri
- Onse awiri amapeza ndalama zochepa popanda ana
- Opeza ndalama ziwiri

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8. Zotsatira za kukhala ndi moyo wabwino

Ukwati si bedi la maluwa. Umabwera ndi mavuto akeake. Moyo wovuta wa m'banja ungayambitse kusokonezeka kwa malingaliro ndikuwononga thanzi lanu la maganizo. Kupsinjika kwa okwatirana kumawonjezeka kwambiri akamakumana ndi mikangano ya m'banja , ndewu, kapena nkhanza. Kafukufuku akusonyeza kuti kusakhutira kumeneku kungawononge chitetezo chawo cha mthupi ndikuwonjezera chiopsezo cha imfa. Ndipotu, mikangano yambiri imabweretsa kuvutika maganizo, nkhawa, komanso thanzi labwino.

Kuwonjezera pa mavuto aakulu azaumoyo, anthu amangodzilola okha kupita m’banja. Amangoganizira kwambiri za zomwe amakonda, kudzikongoletsa, komanso kudzisamalira. Mwina munaonapo kuti anzanu akakwatiwa kapena kukhala ndi pakati, umunthu wawo nawonso umasintha. Kuona ngati zotsatira za maudindo awo kapena kupondereza apongozi awo. Mulimonse momwe zingakhalire, tonse tataya abwenzi athu atamanga nyumba. Kafukufuku amagwirizana ndi zomwe mwawona, kuti anthu okwatirana amakonda kukhala omasuka komanso otsekedwa. Izi zimatsogolera ku bwalo laling'ono la anzanu.

9. Njira ina yokhalira ndi okondedwa wanu

Sikuti aliyense amaopa kudzipereka. Mutha kukhala otsimikiza za kukhala moyo wanu ndi munthu, koma osakonda dongosolo laukwati. Ngati ndi choncho kwa inu, pali zambiri zomwe mungachite kuti mufufuze. Ubwino wosakwatiwa mwalamulo ndi wochuluka. Mutha kukhalira limodzi, kukhala okwatirana, ndikusangalala ndi zabwino zonse za banja - popanda chizindikiro, mtengo, ndi udindo waukwati. Zimenezi zingakuthandizeninso kuti musamapanikizike chifukwa chosamalira banja lanu kapenanso kutenga mimba.

Njira ina ndi yakuti muzikhala pafupi popanda kukhala m'nyumba imodzi. Mwanjira imeneyi, mumapewa nkhawa yogawana maudindo okwatirana. Mutha kukhala moyo womasuka komanso wosiyana pamene mukukhala limodzi. Komanso, pali anthu ambiri omwe ali pachibwenzi chotseguka omwe amakonda zogonana zosiyanasiyana. Okwatiranawa amatha kusankha kukhala limodzi pomwe akupatsa ufulu kwa okwatirana awo kuti azigonana kapena kuchita zinthu zina. Mutha kusankha mosavuta zomwe zimakuyenderani bwino nonse popanda kugwera mu ukwati.

Kukwatiwa pazifukwa zilizonse zochepa kuposa chikondi kapena chitetezo chamalingaliro ndiko kulakwitsa. Muyenera kukhala otsimikiza pazachuma komanso m'malingaliro kuti mulembetse ubale wanu ndi chikondwerero. Musalole kuvutitsidwa ndi zomwe anthu amayembekezera. Mutha kunyalanyaza zomwe amayi anu akunena kuti mukwatirane ndi mfundo komanso ziwerengero zomwe tazitchulazi. Yang'anani zomwe mumakonda ndikusankha mwanzeru musanalumphe mfuti!

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