Phindu ndi Phindu la Makolo Onse Awiri Kugwira Ntchito
Pali mayankho awiri otsutsana. Yankho loyambirira likunena kuti ndalama zowalera ndi kuthandizira banja ndizopambana kuti, kuti apulumuke, makolo onse ayenera kugwira ntchito.
Wina akutsutsa kuti zina zofunika kuti makolo onse azigwira ntchito, maganizo ndi nkhawa, ndizokwanira kuti ndibwino kuti kholo limodzi likhale kunyumba.
Chifukwa Chake Makolo Ayenera Kusagwira Ntchito
Tiyeni tione zomwe zimafunika kulera ana. Nkhumba za boma za boma chaka choyamba zimawononga $ 5,490 mpaka $ 11,320. Ngongole zosavomerezeka zachipatala kwa asing'anga ndi chipatala zokha zidzakhala $ 1,200; zovala zobereka amayi, zipinda zamatabwa, zida zokhudzana ndi ana, zovala, azinyalala, mankhwala, zakudya, madokotala a ana, ndi zina zotero zimapanga zonse.
Koma izo siziphatikizapo chisamaliro cha tsiku. Ngati makolo onse akugwira ntchito, onjezerani madola 7,000 ku msonkho. Kotero, mukuyang'ana mwina $ 17,000 mu ndalama zoyamba za mwana. Pa mtengo umenewo, mabanja ambiri amakhulupirira kuti makolo onse ayenera kubweretsa ndalama, ndipo ngati kholo limodzi silinagwire ntchito, vuto loyambira ndilopamwamba kwambiri.
Koma kodi izi ndi zomveka?
Tiyeni tiganizire kuti makolo athu atsopano amapeza $ 30,000 pachaka, chifukwa cha ndalama zokwana $ 60,000.
Kuti athe kukhalabe ndi mphamvu zothandizira banja, makamaka poganizira za ndalama zatsopano zomwe adabwera ndi mwana wawo, amamva kuti onse awiri ayenera kugwira ntchito. Koma kodi ndalama izi ndizofunikiradi kuti pakhale ndalama?
Phindu la $ 30,000 pachaka ndi $ 2,500 pamwezi. Kuyambira pamenepo, anthu ambiri amathera $ 250 pamwezi poyenda ndalama; izi zikuphatikizapo mtengo wa galimoto ndi mapepala opaka magalimoto kapena kayendetsedwe ka anthu; kusankha kwanu.
Komanso, mumagwiritsa ntchito ndalama zokwana $ 125 pamwezi pa zovala zogwirira ntchito. (Zovala zapakhomo pa ntchito zowonjezera kuposa omwe amavala yunifomu. Ogwira ntchito kuntchito amagula suti ndi zomangiriza kapena ma solika ndi masentimita onse. Zonsezi zimawonjezera ndalama zofanana.) Mudzakhala ndi $ 120 pamwezi pamadzulo. mphatso, ndi zopereka zoyenera. Ndipo musaiwale chisamaliro cha tsiku, pafupifupi $ 600 pamwezi. Pafupipafupi, muwononga ndalama zokwana madola 1,100 pamwezi pazochita zokhudzana ndi ntchito, pafupifupi theka la ndalama zomwe mwamuna kapena mkazi wake amapeza. "Sizovuta," mukuti. "Ndilibe ndalama zokwanira madola 1,400."
Oo zoona?
Musaiwale msonkho. Ngati mukuwononga $ 2,500, mudzatayika pafupifupi $ 1,000 misonkho. Choncho, misonkho yanu itatha msonkho, pambuyo pake ndalama zolipira kunyumba zimakhala pafupifupi $ 400 pamwezi. Izi ndi zosakwana $ 100 pa sabata. Ngati mumagwira ntchito maola 40 pa sabata ndikupereka maola ola limodzi tsiku ndi tsiku kuti mugwire ntchito ndi kubwerera, mukuchita zonsezi pa $ 1.75 pa ola limodzi. Ndipo izo ziri pa ndalama zokwana madola 30,000!
Ndipo zikuipiraipira. Sikuti mumagwiritsa ntchito ndalama zowonjezereka pakhomopo, ganizirani nthawi yomwe simukugwiritsana ntchito ndi mwana wanu komanso nkhawa zina zomwe zawonjezeredwa m'banja chifukwa chakuti mwamuna ndi mkazi akugwira ntchito. Ndani amakhala kunyumba pamene mwanayo akudwala? Ndani amasiya msonkhano wofunikira umenewu kuti athamangitse kuchipatala asanatseke?
Kodi iweyo ndi mnzanuyo mungakhale kupita ku tchuthi kapena kudwala chifukwa chowombera? Poganizira zinthu zonse zomwe sizinali zachuma zomwe zimakhudza banja, kodi ndizomveka kuti makolo onse azigwira ntchito?
Zifukwa Zisanu Zomwe Makolo Ayenera Kugwira Ntchito
Kuyambira pano, ndikhoza kukutsogolerani kuti mukhale "ayi." Koma sizophweka. Pakalipano, ndapereka theka la nkhaniyi, choncho ndiroleni ine ndiziteteze amayi omwe ali ndi ana ang'onoang'ono komanso omwe amagwira ntchito kunja kwa nyumba. Pali zifukwa zisanu zomwe zimapangitsa kuti amayi ndi abambo agwire ntchito:
Chifukwa 1: Tetezani Ntchito Yanu
Ngati mzimayi akusiya ntchito, akhoza kuwononga ntchito yake, chifukwa anzake omwe amagwira ntchito (mpikisano) omwe samatenga zaka zisanu akupitiliza kukwera makampani.
Chifukwa chachiwiri: Wokondedwa Wopindula Kwambiri Angakhale ndi Inshuwalansi ya Zaumoyo Phindu
Ndicho chifukwa chabwino kwambiri chopitilira kugwira ntchito.
Chifukwa Chachitatu: Musaiwale Mapindu Othawa Pakhomo
Azimayi ku US amakonda kupuma pantchito zochepa za Social Security kuposa amuna, chifukwa akazi amakonda kugwira ntchito zaka zochepa. Ditto kwa mapulani a penshoni za kampani; ngati mutasiya ntchito kwa zaka zisanu, mutha kulipira pamapeto pake ngati ndalama zapansi pantchito. Choncho muiwale za kuchepa kwazing'ono lero; Kukhala kunyumba ndi ana kungawononge ndalama zambiri pambuyo pake. Kuti mudziwe zambiri pa nkhaniyi, yesani mitu 66 ndi 68.
Chifukwa chachinayi: Makolo Aumphawi Amaganizo
Anthu ena sali oyenerera kukhala kunyumba ndi ana awo nthawi zonse. Amafunika kuyanjana kwa akuluakulu. Mmodzi mwa makasitomala anga, mayi wogwira ntchito, anali ndi ntchito yomwe ndalama zake zinali zochepa kwambiri iye anagwiritsira ntchito madola 35 ochulukirapo, osagwiritsa ntchito ndalama zosamalira ana, kuposa momwe anachitira. Nditamuuza zimenezi, anayankha kuti, "Ndikopa mtengo kuposa mankhwala!"
Chifukwa chachisanu: Kupititsa patsogolo chitukuko cha mwana wanu
Mnzanga wina yemwe ali ndi kamnyamata kamodzi adandiuza ine, "Ngati mkazi wanga atasiya ntchito ndikukhala ndi Billy kunyumba, amakhala ndi anthu amodzi - amayi ake. kukhala pafupi ndi ana ena 20. " Fotokozani bwino: Kufunika kwa luso loyankhulana kwa mwana sikuyenera kuchotsedwa.
Kusankha Kugwira Ntchito Kapena Kukhala Pakhomo
Kotero, kodi muyenera kugwira ntchito kapena kukhala panyumba? Mwachiwonekere, sikophweka. Komabe, ogwira ntchito ambiri akupereka kusinthasintha komwe kungathandize kukhala kosavuta kusiyana ndi kale kuti makolo onse azigwira ntchito. Kugawana kwa Yobu , ndondomeko za ntchito zowonongeka, ndi kugwira ntchito kuchokera kunyumba ndizo zina zomwe mungasankhe pamalo ano antchito omwe muyenera kuzifufuza poyesa kuthetsa nkhaniyi.
Mfundo yanga ndi yakuti muli ndi chisankho . Makolo ambiri samadziwa kuti pali njira zomwe zilipo. Nthawi zambiri, makolo amaganiza kuti ayenera kugwira ntchito popanda kuganizira njira ina. Kuti mukhale wopambana ndi kukonzekera kwanu ndalama, nthawizonse muyenera kufufuza zomwe mungachite. Ndipo kukonzekera bwino sikungakhale kopanda phindu kuposa pamene mukukweza ana anu.
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