Izixhobo Zezezimali Zingatshatanga, Ukutshata, kunye Neziqabane Ezidibeneyo
Isikhokelo semali kubantu abatshatileyo
Imali Yomntu Yabantu Abatshatanga Abatshatileyo
Izigidi zabantu abangatshatileyo zesini-sexini zihlala ndawonye eMelika.
Ezi zibini ezingatshatanga zijongene nemicimbi ekhethekileyo yemali, kwaye abanamathuba amaninzi okucwangcisa ikusasa labo lezezimali kunezibini ezitshatileyo. Nazi iimbambano eziphezulu ezintathu zemali ezijongene nezibini ezingatshatanga zihlala kunye.
Musa ukufika kwindlela yakho kwi-matyala
Ukutshata kuyabiza. Ukuba ungatshatanga kwaye ufuna inkampani yesini esahlukileyo, ungayanga imali eninzi ngaphambi kokufumana uMnu okanye uNksz.
Umtshato: Ukubopha i-Financial Knot
Ngoko u tshatile? Ngaba uhleli phantsi nomlingane wakho kwaye uxubusha ngemali? Ukungavumelani malunga nemali yimbalo enye yezizathu zokuqhawula umtshato, ngoko ukufumana le micimbi evulekile kwaye ufike ekuqondeni ngaphambi komtshato kunokunyusa kakhulu amathuba okuhlala enkundleni yomtshato.
Oko Kufuneka Ukwazi Ngokuthenga Intsimbi ye-Diamond Engagement Ring
Ngaba idayimani utyalo-mali olungileyo? Kufuneka uchithe ixesha elingakanani kwi-ring ring? Ngaba umele ummangalise okanye ukhethe intsimbi kunye?
Yintoni onokuyilindela ukuhlawula intsimbi yokudibanisa idayimane? Ungayithenga njani intsimbi encinci yokubandakanya ngaphantsi?
Cwangcisa umtshato ongenakunqwenelekayo
Umtshato osemyingeni kwiindleko ze-US ngaphezulu kweedola ezingama-23,000 (kungabandakanyi i-honeymoon)! Khawucinge ukuba unokwenza ntoni nge $ 23,000 xa uqala ubomi bakho obutsha ndawonye, njengokwenza uhlawulelo oluphantsi kwekhaya lakho lokuqala.
Unokuba nomtshato omhle, okhunjulwayo ngaphantsi.
Ishicilelo seBhajethi yomtshato
Thatha iindleko zomtshato wakho ngeendleko malunga nale bhajethi yomsebenzi wesabelomali.
Iseluleko sezeMali sabanye abashadile
Imali yokwenza uludwe lwabantu abatsha
Abaninzi abasandul 'ukutshata baneminyaka engama-30 kwaye badibanisa amakhaya kunye nemali. Ingaba uneminyaka engama-19 okanye i-90, kukho izinto ezininzi zemali ekufuneka zibekwe kuyo yonke into esandula kutshatyalalwa ukuba Yenze uludwe emva kokuba umtshato uswele.
Imibhangqwana nemali: Indlela Yokuthetha Intetho
Kuqikelelwa ukuba imiba yemali yindlela yokuqhuba umtshato kwiminyaka engama-90%, kodwa unokuphila ngononophelo emva koko, ukuthetha ngokwezimali, ukuba usebenza ekungavumi ukuba nemicimbi yezemali ifike phakathi kwakho kunye neqabane lakho.
I-CFO yooNtsapho: Isicwangciso soShishino seZibini soThando neMali
I-CFO yooNtsapho ithatha indlela entsha yezemali phakathi kwamabhangqwana ngokubafundisa ukuba basebenzise imigaqo efanayo eyisebenzisayo emsebenzini wabo kwimali.
Ama-Akhawunti Ahloliseneyo okanye ahlukeneyo?
Le mihla, ayinakunikezwa ukuba izibini ezitshatileyo ziya kudibanisa ii-akhawunti zabo zokujonga kwiakhawunti enye. Iimali zihlala zilukhuni ngemitshato yangaphambili, inkxaso yezingane okanye i-alimony, imali-mboleko yomfundi, imali ekhoyo ekhoyo okanye ityala lekhadi lesikweletu, kunye neminye imiba enjengomlinganiselo wokuzimela nokuzimela kwemali.
Ngamanye amaxesha ukudibanisa yonke ingeniso kwi-akhawunti yokujonga idibeneyo inokudaka amanzi, idibanise ukudideka kunye neengxaki, kwaye kubangele uxhalaba kunye namandla okulwa. Ngoko, yintoni isibini esitshatileyo sokwenza?
Ngaba Unomdla Wokuba Nabantwana?
Iingcali zezezimali zithi ikhaya lilona lukhulu lolutsha-mali oluya kubakho, kodwa bayakhohlwa malunga neendleko zokukhulisa abantwana, okugqithiseleyo ngaphezu kwexabiso lemali lasekhaya e-US. Utshintsho oluhamba kunye nokongeza ilungu elincinane kwintsapho yakho lunokuxinzelela, kodwa unokunciphisa uxinzelelo olukhulu ngokunciphisa ixabiso lemali.
Unako Ukukhathazeka Ukuhlala Kwakho Nezingane Zakho
Ukuba wena okanye umlingane wakho ufuna ukuhlala ekhaya uze ukhukhulise abantwana bakho, kodwa ucinge ukuba awukwazi ukufikelela, awunabo. Kodwa usenokuphosakela ekucingeni ukuba awukwazi ukufumana ngomvuzo omnye. Abasetyhini abaninzi (kunye namadoda) bafumana iindlela zokudala ukuvumela umzali omnye ukuba ahlale ekhaya.
IiDola kunye neNzantso yabantwana
Izingane azifundi ngemali nge-osmosis. Abafundanga ngokumangalisayo ukuba babe noxanduva lwezemali. Kananjalo abaqhelekileyo bafunde iikhompyutheni zemali ezizodwa esikolweni. Uya kubafundisa njani abantwana bakho ukuba baphumelele ngokwezimali, bagweme ukuhlala kwi-paycheck ukuhlawula imali, kunye nokucaca ngokukhawuleza kwetyala lekhadi lesikweletu elikhubazayo?
Ukuxhaswa kwezeMfundo zeKhole yaseKholeji
Ukuba ungumzali wengane okanye umntwana omncinci, iindleko zeminyaka emine kwikholeji kawonkewonke ngexesha lakho eli-18 kulindeleke ukuba libiza iindleko ezingama-100,000; isikolo sabucala, ngaphezu kwama-200,000. Yintoni umzali onokuyenza? Funda indlela yokulungiselela i-tag ye-100,000 yentengo.
Iseluleko sezeMali soBuntu kwiSahlukaniso okanye kwiSahlulo sokuSahlukana
Ngokungaqhelekanga Bengahlali: Ukujongana Neengxaki Zezezimali Zokufa Neqabane
Ukufa komlingane okanye uqhawulo lomtshato kuyinto ephazamisayo eyinokugubha iziseko zobomi bakho. Phakathi kokujongana nentlungu kunye nentlungu yokulahlekelwa ngumntu othandekayo, yiyiphi imicimbi engqongqo yemali oyidingayo?
Ukujongana Neempembelelo Zemali Zesehlukaniso
Iindleko zinyaniso zomtshato zithintela kwintsapho, kodwa ixabisa kakhulu imali. Ukwazi amalungelo akho kunye neembopheleleko, kunye nendlela yokuzikhusela, unokuyenza ibe yabiza kwaye mhlawumbi ibuhlungu kakhulu.
Imiba yezeMali yoSahlulo
Iseluleko sokuhlukanisa ipropati kunye namatyala, inkxaso yenkxaso yabantwana, i-alimony, irhafu, kunye nemali yomhlalaphantsi ngokuqhawula umtshato.
Ukuqokelela Inkxaso Yomntwana
Ubani onyanzelekile ukuhlawula inkxaso yabantwana? Ufumana njani umyalelo wenkundla? Uqokelela njani ukuxhaswa kwabantwana abangakhokhelwa? Kuthekani ukuba ubomi bakho bokuhlala kwelinye ilizwe? Fumana iimpendulo kule mibuzo neminye malunga nokuxhasa abantwana.
Ulwahlulo loMhlala-phantsi weeAfa kwiSahlukaniso
Funda indlela i-Order ye-Domestic Relations Order (QDRO) inokukhusela amalungelo akho.