Ukwahlukana akusiyo into emnandi. Kodwa malunga nama-42-45 ekhulwini yemitshato ephela ekuqhawuleni umtshato, into ekufuneka ixoxwe ngayo, ingakumbi njengoko ihambelana nekamva lakho lemali.
Unokuba usuqhawule umtshato kwaye uvile nge-divorce analyst (CDFA) eqinisekisiweyo yemali, kodwa awuqinisekanga ukuba ufuna ngokwenene. Emva kwakho konke, umtshato ubiza kwaye usenokufuna ukunciphisa iindleko apho unako.
Siphula phantsi iingeniso kunye neqhinga lokuqeshisa umcwaningi wezehlukaniso zemali-mboleko-zeziphi iinkonzo ezibonelela zona, ingaba zihlawulisa kangakanani, oko kufuneka wazi ngaphambi kokuba uqeshwe, kwaye ukuba unako ukugcina imali ngokwenza ezinye zezi zinto ngokwakho.
Ulwahlulo oluqinisekisiweyo lokuhlawula imali?
Ukubeka ngokucacileyo, i-CDFA kukuqeqeshelwa uqeqesho lwezemali onokukunceda ukuba uhambe kwiinkalo zemali zomtshato.
Abahlalutyi bemali beqhawulo-mtshato bagxininise kwimiphumo yexesha elide lomtshato. Iinkalo zobungcali zibandakanya i-alimony, isahlulo sokuhlukanisa, ukuqikelela ixabiso elizayo lemali yomhlalaphantsi kunye nemali yepensheni , nokubala ukuba nayiphi na imali yentlawulo yomtshato (cinga: alimony). Ngokukodwa, kugxininisa nantoni na iya kuthintela umfanekiso wakho wezezimali kwixesha elide kwimeko yomtshato.
Umhlalutyi wezemali zomtshato oqinisekisiweyo unokukunceda ukuba ugqibe iindleko zokuphila njengoko kuhambelana nokunyuka kwamaxabiso, ukuqinisekisa ukuba iifayili zakho zahlula ngokufanelekileyo kwaye awukutshintshi xa uxoxisana ngokuqhawula umtshato.
Ziziphi Iinkonzo Ezibonelela Ngayo?
Umhlalutyi wezimali zomtshato womtshato oqinisekisiweyo uncedisa ukwahlula i-asethi kwimeko yokuqhawula umtshato, ugxila kwixabiso elifutshane elifutshane kunye nexesha elide lempahla yakho kunye nendlela ekukuchaphazela ngayo kamva ebomini.
Basebenzisa iinkqubo zeprogram ezizodwa zokubanceda bahlalutye iimpahla ezifana nepropati, iindleko, i- akhawunti yomhlalaphantsi , ipensheni, ukunyuka kwamaxabiso, inshorensi yomshuwalense kunye nenkxaso yabantwana, nje kuthiwa bambalwa.
Abahlalutyi bemali beqhawulo-mtshato banokukunceda ukuqhawula umtshato baqulunqa uhlahlo lwabiwo-mali lwangenyanga emva kokuqhawula umtshato.
Umhlalutyi wezemali zomtshato oqinisekisiweyo uncedisa isiqabane sokuqhawula isahlulo sezinto eziphathekayo kunye nokulinganayo, ngokuqwalasela umzekeliso wexesha elide, kunokuba izinto zibukeka njani kuloo mzuzu. Okufunekayo ukuphawula: i-50/50 yokwahlukana kwempahla ayisoloko ilinganayo.
Iinkcukacha
I-CFDA ihlawulisa ireyithi yehora, efana neyegqwetha. Ezinye iingcali ziqikelela umlinganiselo weeyure ezingama-150- $ 450 / iyure yokuqhawula umtshato umqinisekisi-mali oqinisekisiweyo. Kodwa ezinye zihlawulisa ngakumbi, ingakumbi ukuba umtshato wakho kunye neempahla zikhohlisayo okanye ziyinkimbinkimbi.
Unokufumana umhlalutyi wezimali oqhayiselweyo wezahlulo zemali ngokusebenzisa i-Institute for Divorce Financial Analyst, inhlangano yokuqala yokukhuphela iiCDFA. Ungakwazi kwakhona ukuhamba nge-Academy of Divorce Workers.
Kufuneka uqaphele: i-CDFA ayifaki indawo yegosa elihle lomtshato . Uyakudinga bobabini xa kwenzeka umtshato.
Ngaba Ndiyakwenza Nakho Nokugcina Imali?
Akunakufuneka uhlale uqesha umcwaningi wezezimali zomtshato oqinisekisiweyo. Ngokomzekelo, ukuba sele ususebenzisana nomcebisi wezezimali, banako ukukunika ingcamango enhle yefayile yakho yexesha elide kunye nendlela ekuchaphazeleka ngayo umtshato.
Kwakhona kusenokwenzeka ukuba sele sele isebenzayo isabelomali esisebenzayo ngenyanga.
Ukuba unomashishini kunye, okanye unempahla ebalulekileyo, okanye ungayazi indlela yokwenza uhlahlo lwabiwo-mali emva kokuqhawula umtshato, uhlalutyo lwemali lomtshato oqinisekisiweyo mhlawumbi lukhethwa kakuhle. Nangona kunjalo, ukuba awunayo impahla ephawulekayo okanye eyinkimbinkimbi efana neyeshishini okanye izakhiwo ezininzi zezindlu, kwaye uhlahlo lwabiwo-mali, ngoko unokukwazi ukugcina imali uze wenze oko.
Ukongezelela, wena kunye neqabane lakho unokukwazi ukugqiba umtshato wakho usebenzisa umlamli kunye neCDFA , ukukhupha igqwetha lonke, eliza kukugcina imali emibini ngokuhamba kwesikhathi .
Ukuqeshwa kweSahlukaniso seSahlulo seMali-mali: Uluhlu lokuHlola
- Qinisekisa ukuba lilungu leZiko le-Divorce Financial Analyst okanye enye inhlangano ehloniphekileyo.
- Hlala umntu onokumthemba. Ukuhamba ngokuqhawula umtshato kuyisimo esiqatha, esinomzwelo. Ufuna ukuqinisekisa ukuba unomntu ohlangothini lwakho ukuba ungavulelwa.
- Sebenzisa ukuthunyelwa kumhlobo. Kungenzeka ukuba unomhlobo okanye isihlobo esaye saqhawula umtshato. Buza ukuba basebenzise umcwaningi wezehlukaniso zemali oqinisekisiweyo baya kucebisa.
- Udliwano-ndlebe lwabaqeshwa. Ungesabi ukubuza imibuzo yesahluli sezimali somtshato esiqinisekisiweyo. Izinto ezinjengexesha elide abazenzayo, iinkqubo zomsebenzi wabo, iprofayile yabo yabaxhasi, kunye nokuba kutheni banqume ukuba yi-CDFA banokukuxelela okuninzi malunga nokuba ngaba bafanelekile.