KwiNtsholongwane yeSahlulo seSahluko seGrey, i- Psychology Today ithi,
Umtshato oqhawulayo "ligama elisetyenziselwa ukubhekisela kulabo abaqhawula umtshato emva kweminyaka engamashumi amahlanu. Ngo-2009 oku kuquka abantu abangama-600,000. Abanye abaphandi bathi yi-revolution yokuqhawula umtshato. Kwaye manani akhula xa amaxabiso omtshato womnye amaqela adala awela. "
Nazi ezintlanu izinto ezibalulekileyo zokuqwalasela ukuba uneminyaka engaphezulu kwama-50 kwaye ucinge okanye phakathi komtshato.
Inkqubo
Zonke iziqabane zomtshato ziqala ngesigqibo sokuphelisa umtshato kwaye siphele ngokuqedwa komthetho komtshato. Phakathi kwezi ziphelo zombini apho apho isibini senza amathuba okuphumelela phambili-okanye ihlangabezana neendleko (ngokwezimali nangokwenyama) kwinkqubo yomtshato. Indlela osenza isigqibo sokuqhawula umtshato kufuneka ibe yintoni isisombululo sakho sokuqala kunye nesibaluleke ngakumbi. Ngaba unokwenza uqhawulo lomtshato? Oku kungabandakanya ukudibanisa kweenkonzo ukusuka kumlamli kunye mhlawumbi neCreditary Divorce Financial Analyst *. Inkqubo yokuqhawula umtshato ingasindisa imali kwaye inciphise uxinzelelo ngexesha lomtshato.
Abantwana
Ingaba abantwana bakho bangaba-5, 15 okanye 25, kufuneka bajongwe njengokuba uhamba ngendlela yakho yomtshato. Ngokona nxalenye, xa behlukanisa abangaphezulu kwama-50, abantwana baneminyaka engaphezulu, ngokuqhelekileyo kwiminyaka yabo yeshumi okanye emva.
Kukho ukugxininisa kakhulu kubantwana xa beselula, kodwa ungacingi ukuba unako ukuwahoxisa xa uqhawula umva kamva ebomini. Unokukhetha ukuphelisa indima yakho njengendoda okanye umfazi, kodwa indima yakho njengomama okanye utata ayipheli ngokusayinwa komyalelo womtshato. Ukusingatha inkqubo yakho yomtshato kunye nabantwana bakho engqondweni kunika amathuba okuba bahlanganyele ebomini babo ngaphandle kwengxabano eyenziwa "umtshato" wokuqhawula umtshato.
Iimali
Ukwahlula okulinganayo kweempahla kunye namatyala kukuxhalaba phantse yonke inzala. Kulabo baqhawula umtshato emva koko, iimali zixhalaba kakhulu kuba zikhona ezimbalwa ukhetho kunokuba abo baqhawule umtshato ngaphambili. Njengoko izibini ezitshintshileyo zisuka kwi-saving / accumulation to consumption / decumulation, ukunyamezela kwabo ubunzima kunye nokukwazi ukubuyisela kwimpazamo yezemali kunciphisa. Ngokuqhawula umtshato emva kweminyaka engama-50, iipenshini kunye noKhuseleko loLuntu ziba yingxenye enkulu yenkqubo yomtshato. Ulwahlulo lwe- 401k kunye ne- IRA asethi kufuneka ucingisise, njengokuba unokhetho olukhethekileyo lokuthengiswa kwexabiso xa ezi ntlobo zihlukaniswe ngenxa yomtshato. Ufuna isicwangciso sokuqhawula umtshato kwisinye iqabane elingabonakali nje ngexabiso langoku lexabiso lempahla kunye ne ngeniso, kodwa igalelo elizayo kumhlalaphantsi. Njengomzekelo, ngaba umhlala-phantsi kufuneka uhlulwe ngokulinganayo, okanye endaweni yempesheni kufuneka elinye iqabane linikwe i-asethi yemali eyahlukileyo? Impendulo echanekileyo kuxhomekeke kwizinto ezininzi ezinjengexesha lokuphila, ukuhluka kweminyaka, enye imvelaphi yemali engenayo, njl. Kodwa ungalibali - isitatimende sezimali esilula asiyi kubonisa impembelelo yerhafu emva kwexesha - nokuba njani ukwahlukana Iimpahla ezingadlala ngaphandle kwexesha.
Uhlobo lwezomthetho
Kwiingcambu zayo, umtshato ngumgaqo-nkqubo kwaye ngoko kufuneka ukuba kufuneke ukuba kwenziwe umgaqo-mthetho.
Kukho iindlela ezininzi zokubandakanya iingcebiso zomthetho. Ukuthatha ixesha lokuqonda iimfuno zakho zomthetho kukuvumela ukuba uthenge kuphela icebiso elifunekayo. Njengomzekelo, ngaba unokusebenzisa elinye igqwetha elilodwa (ukucamngca) ngokuhlaziywa ngabameli? Ukunikezelwa kwinqanaba lexabiso leempahla kunye neenkomfa zezihloko, njl ... kubalulekile ukuba ufumane iingcebiso zomthetho, kodwa ukwenza oko akuthethi ukuba ufanele uye ekulweni.
Iimvakalelo
Ngenxa yokuba uqhawula umva kamva ebomini, kukho umgangatho ophezulu wokuba umtshato ude kunomtshato omncinane. Xa ucinga ngolu tshintsho, uziva njani? Ngaba u soyika? Mhlawumbi, kukunika amandla. Ngandlela-thile, utshintsho luvame ukudala iimpendulo zomzwelo. Ukuqonda nokusebenza ngeemvakalelo zakho kukuvumela ukuba uphume kwinkqubo yakho yesahlukaniso kwindawo ephilileyo kwaye ikuvumela ukuba wenze izigqibo ezingcono ngexesha lomtshato.
Ukuyibeka Konke
Ukuqhawula kwakho umtshato kukucacileyo kuwe. Njengoko uphuma umtshato wakho, icebiso elifanelekileyo kukujonga phambili. Ngokuqinisekileyo, umtshato wakho uya kugqitywa kwaye uza kuqalisa isigaba esilandelayo sobomi bakho. Ngokuqwalasela okuphantsi kolawulo lwakho kwaye ufuna ukukhokelwa ngemibandela yakho yokuqhawula umtshato kwiingcali ezifanelekileyo ezifanelekileyo, unokufezekisa ukutshatyalaliswa komtshato wakho ngokubanzi kunye nokuchanekileyo.