11 Signs Mwamuna Wanu Amakugwiritsani Ntchito Mwazachuma

Nkhanza zandalama ndizochepa poyerekeza ndi nkhanza zakuthupi ndi zamalingaliro koma zimatha kuwononga ubale. Mwamuna amene amakugwiritsani ntchito ndalama ndi wankhanza ngati amene amamenya mkazi wake. Nkhanza zandalama m’banja makamaka zimachitika pamene wina wa muukwati agwiritsira ntchito ndalama kufunafuna ulamuliro pa unansiwo. Chinachake chopanda vuto ngati kutsegula akaunti m'dzina lanu kapena kukulimbikitsani kuti mupereke ma accounting azachuma ndizizindikiro za nkhanza zachuma. M'zochitika zapakhomo, nkhanza zachuma zimakhalapo nthawi zonse ndi mitundu ina ya nkhanza zapakhomo.

Mwamuna woledzera amamenya mkazi wake usiku uliwonse pambuyo pomwa mowa kwambiri ndiyeno nkumasambira makadi a mkazi wake kuti apeze mankhwala oledzeretsa oti azimuchitira nkhanza kungaoneke ngati kumenya mkazi wake chifukwa cha mavuto a zachuma. Kukuwunikirani kuti mutsimikizire kuti simunakhazikike mokwanira kuti muthane ndi nkhani zandalama ndikuzunza m'maganizo komanso m'maganizo. Monga momwe timakhulupilira kuti ndi chikondi muubwenzi, zilibe kanthu ngati simukudziwa komwe ndalama zanu zimasochera, sizikhala choncho.

Kaya ndi nkhani ya mnzanu amene sapereka ndalama m’banja kapena mwamuna kapena mkazi wosasamalira ndalama amene amawononga ndalama zake ndiyeno n’kuyang’ana kwa inu kuti muwathandize pa zosowa zawo komanso kuti banja lanu liziyenda bwino, ndi njira yachipongwe imene ingawononge maganizo anu komanso kukhala otetezeka m’kupita kwa nthawi. Ngati muli kumapeto kwa nzeru zanu poyesa kumvetsetsa kusalingana kwachuma m'banja lanu, tabwera kuti tikufotokozereni zomveka kuti akukudyerani mwayi pazachuma komanso momwe angathanirane ndi vutoli.

Nkhanza Zachuma Muukwati

Mukakwatirana, zimaonedwa kuti n’zachibadwa kugwiritsa ntchito ndalama za mnzanuyo. Ndikutanthauza…mu matenda ndi thanzi, umphawi ndi chuma ndi zonse izo, sichoncho? Tsopano, zonse nzabwino pamene nonse mungathe kuwerengera ndalama zomwe wina akugwiritsa ntchito. Koma ngati mupeza kuti ndalama za akaunti yanu zikuchepa pang'onopang'ono mwezi ndi mwezi, makamaka ngati simukudziwa komwe ndalama zikupita, ndi mbendera yofiira.

Ngati mwamuna wanu ndi amene amayang’anira ma accounting ndi kasamalidwe ka chuma m’banja ndipo amazemba nkhani yoti amalipiritsa mochedwa kapena kubwereka ndalama kwa makolo ake kapena makolo anu osadziwa, zikusonyeza kuti pali chinachake chimene chikuchitika ndi chuma chimene sakufuna kuti mudziwe. Ndipo chimodzi mwa zizindikiro zoyamba kuti mwamuna kapena mkazi wanu ndi woipa ndi ndalama.

Kugwiritsa ntchito ndalama kwa mkazi wina kungakhale lingaliro loyamba lomwe limadza m'mutu mwanu koma nkhanza zachuma zimathanso kuyambika chifukwa cha zizolowezi zoipa monga kutchova njuga pa intaneti, kuwononga ndalama mopambanitsa, kapena choyipitsitsa kuposa zonse, kusakhulupirika pazachuma. Mwamuna wanu akapanda kupezera banja lanu zinthu zofunika pa moyo kapena akamakuvutitsani nthawi zonse, m’pofunika kulimbana ndi vuto lakelo ndi ndalama mwamsanga.

Ngati muyang'ana kumbali ina ndikunyalanyaza zizindikiro zoyamba za kusakhudzidwa kwachuma, zitha kukhala vuto losatha la mikangano m'banja lanu ndipo zitha kusokoneza kukhazikika kwake. Statistics akusonyeza kuti nkhani zandalama ndi mikangano zimachititsa 22% ya zisudzulo zonse ku US. Wina phunziro zikusonyeza kuti popeza pafupifupi mabanja awiri mwa atatu aliwonse masiku ano amayamba ndi ngongole, ndalama zikhoza kukhala zomwe zimayambitsa mikangano ndi mikangano, makamaka chifukwa chakuti uwu ukhoza kukhala mutu wokhudza mtima ndipo maanja ambiri alibe luso loyankhulana kuti akambirane nkhaniyi mosamala.

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Kupatula apo, mikangano yazachuma imawonetsa kusayenda bwino paubwenzi ndipo nkhanza zazachuma nthawi zambiri zimatsagana ndi kuzunzidwa m'malingaliro komanso / kapena kuthupi. Sizovuta kuwona chifukwa chake. Ndipotu, simungalimbikitse kukhulupirirana, ulemu, ndi kuona mtima muubwenzi pamene mbali ina ya inu mumangokhalira kuganiza kuti, "Chimene mwamuna wanga amachikonda ndi ndalama." Kusiyapo pyenepi, cikhulupiro canu ciri na cifuno canu mwa iye na banja yanu pinakwanisa kuluza khala mamuna wanu atoma kukuphani pya manyerezero na mwakuthupi toera kukuberani kobiri.

Komabe, si nkhanza zonse zandalama zomwe zimachitika mwachidziwitso. Kuwotcha panjinga za makonda kapena magalimoto akale mukayenera kusunga ndalama zokwanira kuti mupeze furiji yatsopano ndi chizindikiro cha nkhanza zachuma. Izi zimangosonyeza kuti mwamuna kapena mkazi wanu amasamala za zofuna zake kuposa zosowa zanu pamodzi. Palinso kuthekera kuti muli ndi narcissistic ndi mwamuna wonyenga yemwe amagwiritsa ntchito ndalama ngati njira yoyendetsera ubale momwe angafunire. Popanda ufulu wokwanira wachuma, zimakhala zovuta kuti musamuke kapena kumusiya.

11 Signs Mwamuna Wanu Amakugwiritsani Ntchito Mwazachuma

Cholinga chathu sikuti tiyike zosayenera m'banja mwanu, koma tikuwulula zovuta kwambiri kuti muthe kuzindikira zomwe zili. Sichinthu choipa kuyika ubale wanu pansi pa sikani nthawi ndi nthawi ndikuchipeta ndi chisa cha mano abwino. Ngati zochitika zosiyanasiyana zochitira nkhanza zachuma zomwe tidatulutsa mpaka pano zafika pafupi kwambiri ndi kwanu kapena muli ndi matumbo oganiza kuti ndalama zomwe zikusoweka ndizovuta zake kuposa zanu, ndiye kuti muyenera kudziwa zizindikiro zomwe akugwiritsa ntchito ndalama.

Ndizo ndendende zomwe ife tiri pano kuti tikuthandizeni inu nazo. Tapanga mndandanda wazizindikiro zomwe zitha kukhala ngati njira yokuthandizani kuwunika momwe chuma chanu chilili. Zizindikirozi zikuthandizani kumvetsetsa momwe mungayambitsirenso kuwongolera ngati mnzanuyo sakupereka ndalama. Izi ndizofunikira makamaka ngati ndinu woyamba kupezera ndalama m'nyumba.

Ngakhale mutakhala m’banja losangalala, kudziŵa zizindikiro za kusasamalira bwino ndalama kungakuthandizeni kukhalabe panjira ndi kukonzekera bwino. Nthawi zonse ndi bwino kudziwa ngati kusamvana kwachuma m'banja mwanu kwasokonekera chifukwa tikhulupirireni tikakuuzani, nkhani zandalama zitha kusokoneza ubale wanu. Tiyeni tiwone bwinobwino zizindikiro zomwe akukugwiritsani ntchito pazachuma:

1. Maakaunti ophatikizana koma ayi

Maakaunti ophatikizana amatsegulidwa ndi okwatirana polipira ndalama zapakhomo komanso kusunga ndalama zogulira nthawi yayitali monga kugula galimoto, nyumba, ndi zina zambiri. Koma ngati mwamuna wanu amazigwiritsa ntchito kwambiri kuti akwaniritse zomwe akufuna komanso nthawi zambiri pazogwirizana, ichi ndi chimodzi mwazizindikiro zakulephera kuchitapo kanthu pazachuma. Zingayambe kuwoneka ngati akaunti yolumikizanayi ili ngati dzenje lopanda malire pomwe mumangoyika ndalama kuti musadzawonenso.

Ngati mukuyika ndalama zambiri kuposa iye koma ndondomeko yazachuma sichikutsatiridwa, chinachake chalakwika. Kungakhale chizindikiro chakuti mwamuna kapena mkazi wanu ndi woipa ndi ndalama ndipo muyenera kuchitapo kanthu panopa. Mutha kuyamba ndi mafunso osavuta okhudza manambala osawonjezera. Ngati akuzengereza kapena kusokoneza kukambirana, mwamuna wanu ayenera kuti akukugwiritsani ntchito ndalama.

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2. Palibe mwayi wopeza ndalama zanu

Ndi mbendera yofiira yochititsa khungu muukwati ngati mulibe mwayi wopeza akaunti yanu. ATM yanu, akaunti yanu, ndi pini ya UPI zonse zimayendetsedwa ndi mwamuna wanu pomwe mulibe mwayi wopeza wake. Pamene simukudziwa momwe ndalama zanu zikuyendera komanso kumene mukupita, simukulakwitsa poganiza kuti, “Chimene mwamuna wanga amachikonda ndi ndalama.” Zochita izi zizindikiro za control freak ndi kuloza ku nkhanza zachuma m’banja.

Zikatero, ubalewo umakhala masewera amphamvu. Munthu amene amalamulira ndalama ali ndi mphamvu. Ngati ndinu amene mumabweretsa zosakaniza, muyenera kukhala amene mumayang'anira kuphika. Zabwino kwambiri mutha kugawana zowongolera ndikupanga gulu logwirizana. Kaŵirikaŵiri, ngati wakhala akulamulira kwa nthaŵi ndithu, sangausiye mosavuta. Muyenera kukhala olimba. Simungalole wina aliyense kulamulira chuma chanu kapena moyo wanu.

3. Zinthu zambiri zamtengo wapatali m'nyumba

Kodi mumaganiza kuti mutha kugula furiji yazitseko ziwiri yomwe ili kukhitchini yanu? Kodi mukuganiza kuti njinga yamphesa imakhalabe yabwino chifukwa mwamuna wanu amatsuka tsiku lililonse? Wotchi ya Apple yomwe adayitanitsa tsiku lina imawononga ndalama zambiri. Koma mulibe ndalama zotere? Ngati sichoncho, kodi ndalamazo zinachokera kuti?

Yang'anani mwatcheru, ndipo zinthu zonse zodula pamalo anu zidzakuwa kuti muli ndi mwamuna kapena mkazi wosasamalira ndalama yemwe wakhala akukhala mopitirira malire ake. Izi ndizowona makamaka ngati kugula uku sikunali zosankha limodzi kapena simukudziwa momwe akulipiridwa chifukwa mwamuna wanu sakufuna kuti "mudandaule nazo". Osachepetsa kuopsa kwa zonsezi pokhulupirira kuti awa ndi malingaliro oda nkhawa kapena malingaliro anu oganiza mopambanitsa - ngakhale angafune kuti mutero - chifukwa zogula izi zitha kuwonjezera ngongole yayikulu.

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4. Mkwiyo chifukwa munawononga ndalama

Kodi mwamuna wanu amasonyeza mkwiyo wooneka ngati muwononga ndalama kugula diresi yatsopano kapena nsapato zatsopano? Mukudziwa kuti sizingakhale zovuta zandalama chifukwa mumapeza ndalama zokwanira kuyendetsa banja. Chotero, pamene kuli kwakuti simungaweruze kumene mkwiyowo ukuchokera, makamaka pamene iye splurges pa zinthu zimene angakhale moyo popanda, ndi nthawi kupeza mayankho.

Kufotokozera kumodzi kosavuta ndikuti ndalama zomwe mumagwiritsa ntchito zimatanthawuza kuti ndalama zochepa zotsala kuti agwiritse ntchito. Mwinamwake iye ndi munthu wodzikonda yemwe sadziwa bwino kuposa kuika zosowa zake patsogolo nthawi zonse. Kapena mkwiyo umenewu ukhoza kubwera chifukwa chofuna kudzilamulira muubwenzi. Wokondedwa wanu wosapereka nawo ndalama akhoza kukhala chizindikiro cha poizoni mphamvu mu ubale wanu, komwe nthawi zonse amayesa kupotoza mamba kuti amuthandize. Komanso, kuyang'anira ndalama zomwe mumagwiritsa ntchito komanso kukwiyira kwanu ndizizindikiro zodziwikiratu kuti mutha kuwongolera ndalama pamoyo wanu. Mbendera yayikulu, yayikulu, yayikulu yofiyira.

5. Mumadziona kuti ndinu wolakwa ndipo mwina mumachita mantha pang'ono

Ngakhale kugwiritsa ntchito ndalama zochepa kumakupangitsani kumva kuti ndinu wolakwa komanso mwina kuchita mantha pang'ono chifukwa mukudziwa kuti mwamuna wanu adziwa ndipo izi zingayambitse mikangano, mikangano, kapena ndewu. Izi ndi zizindikiro kuti ndinu wozunzidwa kunyengerera mu ubale. Muyenera kusamala ndi zomwe mumawononga koma muyenera kukhala ndi dzanja laulere kapena mwayi wokambirana ndi mwamuna wanu kuchokera pakuwongolera kofanana.

Kusokoneza maganizo pankhani zandalama ndi chimodzi mwa zizindikiro zosaoneka bwino zomwe akukudyerani mwayi pazachuma zomwe sizingadziwike ngati sizikuwonedwa. Kuti muthe kuwona zovuta zake bwino, pezani nthawi yoti mugwiritse ntchito ndalama zanu, pendani zofunikira zake, ndikufanizira zomwe zinali zofunika komanso zomwe zidangowonongeka.

6. Sindikufuna kulankhula nanu za zachuma

Kupatula kulanda ndalama zapakhomo, mwamuna wanu sakhala ndi makambitsirano omasuka okhudza ndalama. Ngati mwawona kutsika kwakukulu mu akaunti yanu ndikumufunsa za izi, mayankho ake ndi osadalirika komanso opepuka. Sikuti amangokupatsani mayankho omveka bwino komanso amakutsimikizirani kuti mulibe mwayi wopeza zikalata zakubanki ndi kirediti kadi.

Ngati amazemba mwadala mafunso anu onse okhudza zachuma, ndiye kuti samangoganizira za ndalama komanso saganizira mokwanira kuti adziwitse mkazi wake za momwe akugwiritsira ntchito ndalamazo komanso kumene akugwiritsira ntchito. Ngati izi zikumveka bwino, muyenera kukambirana ndi mnzanuyo. Zochita zake zimasonyeza kuti alibe udindo pazachuma, ndipo pali mwayi waukulu kuti amakhumudwa kwambiri akamakambirana za ndalama chifukwa ali ndi chinachake chobisala.

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7. Kubwezera splurging

Kodi muli ndi foni yatsopano chifukwa foni yanu yakale inali yazaka makumi angapo ndi chophimba chosweka? Chabwino ndiye, ndipeza Dell Alienware chifukwa. Kubwezera kotereku sikovuta kuphonya ndipo ngati khalidwe lamtunduwu lili m'banja mwanu, ndi nthawi yoti mupeze chithandizo. Kuopsa kwachuma sikungabwere momveka bwino kuposa izi.

Zosankha zazikulu zachuma ziyenera kutengedwa monga gulu ndipo ponena za chuma cha banja, palibe malo ogwiritsira ntchito ndalama zosayenera. Ndikwabwino kuchotseratu kawopsedwe kameneka posachedwa kuti mukhale ndi zina zowononga tsogolo lanu. Amati chikondi chimagonjetsa zonse, koma nthawi zina ndalama zimagonjetsa chikondi.

8. Simungadutse kuchuluka kwa ndalama zomwe mwapatsidwa

Ochiritsa amalankhula za nthawi zingati okondedwa amapatsidwa "chilolezo" cha ndalama za mlungu ndi mlungu ndi winayo. Ngati mwamuna wanu akuikirani malire a ndalama mlungu uliwonse, tulukani. Ndipo tulukani mwachangu. Chilolezo chiyenera kuperekedwa ndi kholo kwa mwana. Ubwenzi wa m’banja pamene onse awiri alibe ufulu wofanana pa ndalama ndi chizindikiro cha mavuto.

Ngati kuwonjezera pa ndalama zomwe mumagwiritsa ntchito pochepetsa malire a sabata, mulinso ndi vuto ndi ndalama zomwe mumagwiritsa ntchito kupitilira zomwe mumapeza, ndiye kuti muyenera kuyitengera nkhaniyi m'manja mwanu. Lankhulani ndi mlangizi wa maanja ngati mwamuna wanu sakufuna kukumverani. Mnzanu yemwe sapereka ndalama ndikukhalabe ndi mphamvu pazandalama ndi chizindikiro chodziwikiratu cha a maubale oopsa.

9. Mumapeza ngongole zobisika

Ndiye munakwanitsa kutengera ndalama za mwamuna wanu ndipo zidapezeka kuti ngongole zake ndi zazikulu kuposa madzi oundana omwe adamira pa Titanic. Mwinanso anabwereka ndalama kwa anzake koma sanathe kuwabweza. Ngongole zikuchulukirachulukira ndipo monga mkazi wake, nanunso muli ndi mavuto azachuma tsopano. Choipa kwambiri n’chakuti sanatchulepo ngongole yaikulu imeneyi m’dzina lake.

Mukumva kunyengedwa mokwanira panobe? Ziyenera kukhala ngati simukudziwa kuti mwamuna amene munakwatirana nayeyu ndi ndani. Makampani a kirediti kadi amachita bwino pangongole komanso kuchita zinthu mopupuluma. Ngongole ili ngati chiswe. Sizikuwoneka kuti sizinali zambiri pachiyambi koma ndiye mphamvu yophatikizana ikuyamba ndipo musanadziwe, chiswe chadya ndalama zambiri zanu. Itanitsani kuwononga tizirombo nthawi isanathe.

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10. Kulephera kumamatira ku bajeti

Mutha kukhala mtundu wa munthu yemwe amasonkhanitsabe thumba lake lodzaza ndi zosintha mu banki ya nkhumba. Muli ndi zabwino luso loyendetsa ndalama ndipo kumamatira ku bajeti ndi chikhalidwe chachiwiri kwa inu. Koma mwamuna wanu amakana kapena sakufuna kumamatira ku bajeti. Alibe lingaliro la kasamalidwe ka ndalama komanso alibe chidziwitso chogwiritsa ntchito ndalama zokhazikika. Ngati chimenecho si chizindikiro chakuti mwamuna kapena mkazi ndi woipa ndi ndalama, sitidziwa chomwe chidzakhala.

Kulephera kwake kumamatira ku bajeti nthawi zonse kumakupangitsani kuti musamawononge ndalama zanu. Izi zili ngati kulangidwa chifukwa chochita bwino. Ngakhale ndalamazo ndi zazing'ono zomwe mumanyalanyaza mwezi uliwonse, mukayang'ana chithunzi chokulirapo kunena zaka zisanu zamtsogolo, mudzazindikira kuzama kwa nkhaniyi. Yakwana nthawi yoti mukhazikitse malire omveka bwino azachuma muubwenzi wanu.

11. Sizikuvomereza kuti ugwire ntchito

Ngati mwamuna wanu sakuvomereza kuti mudzipezere nokha ndalama, mkazi mwa inu ayenera kuwona vuto. Muyenera kudzifunsa kuti, chofunika kwambiri ndi chiyani, ubale wanu kapena kuti ndinu ndani? Nthawi zambiri ochitira nkhanza zachuma amakhala ndi mphamvu chifukwa ndi amene amapeza ndalama zokhazokha muubwenzi. Khalidwe lapoizoni limeneli ndi loipa ndipo ngati mumakonda mwamuna wanu yesani kupeza thandizo la akatswiri lisanawawase kwambiri.

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Zoyenera Kuchita Ngati Watopa Ndindalama Kuthandiza Mwamuna Wanu

Tsopano popeza mukuona zizindikiro zoti akukudyerani masuku pamutu, ndi nthawi yoti muganizire zimene mungachite. Kodi mutenga nkhanza zachumazi mukugona pansi kapena kuchitapo kanthu kuti muteteze tsogolo lanu komanso ngati n'kotheka sunga ukwati wako kuchoka pa kusweka pa mkangano wa ndalama. Sitingakane kuti kupirira ndi mwamuna kapena mkazi wosasamalira bwino ndalama kungatope msanga.

“Chimene mwamuna wanga amachikonda ndi ndalama” ndithudi si kudziŵa kosangalatsa. Kupatula apo, mudalowa muubwenziwu mukuyembekeza kuti mupezana wina ndi mnzake m'malo mwake mudapatsidwa nthawi yochepa ya ndodo ndi mnzanu yemwe amakuvutitsani, amayesa kukulamulirani pazachuma, kapena kuyika tsogolo lanu pachiwopsezo ndi zizolowezi zake zowononga ndalama. Komabe, chifukwa chakuti wasiya khalidweli mpaka pano sizikutanthauza kuti simuyenera kupirira nazo. Ngati mwatopa kuthandiza mwamuna wanu pazachuma, nazi njira zingapo zothanirana ndi vutoli:

• Kambiranani: Kuyankhulana kwabwino ndiye chinsinsi chothetsera zovuta zambiri zaubwenzi komanso kusamvana pazachuma ndi chimodzimodzi. Pamene mwamuna wanu sakusamalira banja kapena amadalira inu pa zosowa zake zachuma, kambiranani naye. Muuzeni zakukhosi kwanu ndipo muuzeni molimba mtima kuti zinthu zikuyenera kusintha kuti banja lanu lithe
• Yang'anirani chuma: Kuonetsetsa kuti ngongole zanu sizikuchulukirachulukira komanso mwamuna wanu sangathenso kukuikani mumdima pazachuma chanu, tengani ndondomeko ya zachuma ndi kayendetsedwe ka banja lanu. Kuyambira kulipira bilu mpaka kugawa ndalama zosunga, ganizirani zandalama zonse, ngakhale zazikulu kapena zazing'ono.
• Tetezani chuma chanu: Ngati simungathe kusiya maganizo oti “mwamuna wanga amangofuna ndalama basi” kapena mukuchita zinthu ndi mwamuna kapena mkazi wanu wosasamalira bwino ndalama, m’pofunika kuti mudziteteze. Njira yosavuta yochitira zimenezi ndikulekanitsa ndalama zanu ndi zake. Tsekani maakaunti anu olowa, ndipo bwererani kuzinthu zomwe mwagwirizana. Onetsetsani kuti inu nokha muli ndi mwayi wopeza ndikuwongolera ndalama zanu. Ngati kuli kofunikira, mutha kugwira ntchito ndi mlangizi wazachuma kuti muwonetsetse kuti muli ndi maziko anu onse
• Funsani uphungu: Kuwongolera ndalama nthawi zambiri kumakhala chizindikiro cha nkhani yozama kwambiri ya ubale. Kupatula apo, kukangana kosalekeza ndi kukangana pazandalama kungawononge kwambiri ubale wanu. Muzochitika zonsezi, kupempha thandizo kwa katswiri wa zamaganizo kungakuthandizeni kwambiri kuthetsa kusiyana kwanu komanso kusalola kuti ndalama zisokoneze banja lanu. Ngati mukuganiza zopeza thandizo, alangizi aluso komanso ovomerezeka Gulu la Bonobology zili pano chifukwa cha inu

Nkhanza zachuma ndizofala kwambiri komanso zenizeni. Pezani thandizo la akatswiri kwa mwamuna wanu ngati mukufuna kukonza vutoli. Ngati sichoncho, ndi bwino kupeza njira yopulumukira nokha. Pezani thandizo kwa bwenzi lanu ngati mukufuna kusiya kukuchitirani nkhanza. Khalani otsimikiza ndikukhala olimba.

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Thandizo Landalama Kwa Amayi Osudzulidwa

Zopereka zanu sizikupanga zachifundo Mphatso. Zilola kuti Bonobology ipitilize kukubweretserani zidziwitso zatsopano komanso zaposachedwa pakufuna kwathu kuthandiza aliyense padziko lapansi kuphunzira momwe angachitire chilichonse.

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