Umtshato awukho lula. Ngelishwa, nezibini ezineenjongo ezintle zinokuphelela kwinkundla yoqhawulo-mtshato. Zininzi izizathu ezibangela ukuba abantu baqhawule umtshato kwaye ezi zinto zikhankanywe rhoqouphando-manani.
1. Imicimbi Yangaphandle Komtshato
Ngokwengxelo epapashwe ngu I-AARP , ukungathembeki kudlala indima ebalulekileyo kutheni abantu befayile uqhawulo mtshato. Kuxelwe ukuba malunga Iipesenti ezili-17 Ukuqhawula umtshato kubangelwa liqabane elinye okanye omabiniukungathembeki. Nangona kunjalo, ngesiqhelo kukho izizathu ezibangela iqabane ukuba likopishe, kubandakanya umsindo, ingqumbo, ukuthanda izinto ezahlukeneyo, ukwahlukana, okanye inkanuko yesini engalinganiyo.
Amanqaku afanelekileyo- Ukwabiwa ngokulinganayo koqhawulo mtshato
- Ukulinda Indoda Eqhawula Umtshato
- Ipropathi yoLuntu kunye nokuSinda
2. Inkangeleko yomzimba
Umtsalane ngokwasemzimbeni kwiqabane lakho unokuqikelela ukoneliseka emtshatweni ekuhambeni kwexesha. Ngokophando lwakutsha nje, oluqhutywa ixesha elide, amadoda axele ukuba onwabile emtshatweni wabo ukuba bayabaqonda abafazi babo njengabanomdla, nolwaneliseko lwabo luyanda ngokuhamba kwexesha. Abasetyhini baxele ukuba baziva ngokufanayo ngokuhamba kwexesha, ngaphandle kolwaneliseko lwabo bonyuka okanye bencipha. Eyamadoda, yabo inkangeleko yomlingane unokwenza into yokuxela kwangaphambili kwimiphumo yomtshato ephumeleleyo okanye engaphumelelanga.
3. Imali
Inkqubo ye- Ijenali yaseMelika yeNtlalontle Kutshanje kupapashwe uphononongo olufumene ukungaphangeli kwendoda inokuba ngumba ophambili kuqhawulo mtshato. Ngapha koko, ukunqongophala kwe- imali kuhlala kunokubangela iingxaki emtshatweni ukuba zigqibe kuqhawulo mtshato. Isibini esitshatileyo esijamelene nobunzima bezezimali sihlala siphantsi koxinzelelo olukhulu, olukhokelela kwimpikiswano engapheliyo kunye nonxibelelwano. Abantu abatshatileyo abangaboni ngasonye kwimikhwa yokuchitha okanye ebudlelwaneni apho elinye iqabane lilawula ezemali lisengozini yoqhawulo-mtshato, kuqikelelwa ukuba ngama-40% abantu abatshatileyo abaqaphela oku njengesona sizathu siphambili sokuphelisa ubudlelwane.
4. Ukungabikho koNxibelelwano
Unxibelelwano olusempilweni yenye yezona zinto zibalulekileyo xa kusenziwa umtshato ophumelelayo. Ukuba elinye okanye omabini amaqabane akazimiselanga kusebenza ngemiba yoqhakamshelwano, ukoneliseka emtshatweni kuyehla njengoko zombini iimfuno zeqabane zingasaphunyezwa. Kanye amaqela yeka ukunxibelelana ngokufanelekileyo, iingxaki zomtshato ezingakhokelela kuqhawulo mtshato zisenokungabikho mva kakhulu.
5. Ukuphathwa gadalala
Ukuxhatshazwa ngokwasemzimbeni, ngokwasengqondweni nangokweemvakaleloZonke zizizathu eziqhelekileyo zokuba abantu abatshatileyo baqhawule umtshato. Malunga neepesenti ezingama-22 Imitshato ekumgangatho ophakathi iphela ngoqhawulo mtshato ngenxa yobundlobongela obuvela komnye okanye omabini amaqabane. Ukulwa okungaguquguqukiyo , nokuba yeyomzimba okanye yomlomo, ayiphilanga kulo naliphi na iqela. Ekugqibeleni, abantu abaninzi ababandakanyeka kwimitshato eguqukayo bafikelela kwinqanaba lokuqhekeka kwaye bafune ukuqhawula umtshato. Ukuhlala kubudlelwane obundlongondlongo akunampilo kwaye akukhuselekanga. Ukufumana iingcebiso kuhlala kunceda amaqabane aphethwe gadalala ukwenza isigqibo sokufuna uncedo kunye nokwenza utshintsho.
indlela yokufumanisa ukuba yintoni into exabisa simahla
6. Ukungahambelani
Akukho nto ihleli injalo. Ngexesha elide abantu bayakhula, bakhule, kwaye batshintshe. Phantse iipesenti ezingama-55 zezibini eziqhawule umtshato ukukhula ngokwahlukana kumaqabane abo njengesona sizathu siphambili sokuphelisa umtshato. Xa ubomi bamaqabane, umdla, okanye amaphupha engahambelani, umtshato ungaqala ukubandezeleka ngenxa yoko. Imagazini yoqhawulo mtshato uxela ukuba ukungangqinelani kuhlala kungunobangela wokuba abantu bagqibe ukufaka uqhawulo-mtshato. Ukungahambelani kunokukhokelela kwiqabane elifuna ukuhlangana nomntu wesini esahlukileyo, oko kunokukhokelela kukungathembeki.
7. Ukungonwabi
Ukungonwabi kuxhomekeke kwingcambu yenani eliphezulu loqhawulo-mtshato. Ngamanye amaxesha abantu abaqondi ukuba uthando alonelanga ukukugcina wonwabile. Abanye abantu bayatshata emva koko baqonde ukuba ababekelwe bucala emtshatweni kwaye yintoni enokuthi ize naloo nto uhlobo lwendlela yokuphila . Uphando luthi umtshato ukungoneliseki sesinye seziqalo eziphambili zoqhawulo-mtshato.
8. Iziyobisi
Abantu banokuba likhoboka lezinto, isimilo, okanye abanye abantu. Nokuba iziyobisi, isini, ukungcakaza, okanye utywala, likhoboka ingabuphazamisa ubomi bomntu. Njengokuba umlutha womntu ufumana ulawulo ngakumbi, banokuzifumana besengozini yokuphulukana nomsebenzi, izihlobo kunye nomtshato. Abantu abanamakhoboka bahlala bebonisa indlela yokuziphatha engamkelekanga emtshatweni, okt ukuxoka, ukuba, ukungcatsha ukuthembana emtshatweni, kwaye ngenxa yoko likhoboka lenza Uluhlu lwezizathu eziphezulu kutheni izibini ziqhawula umtshato.
9. Ubudala
Ngokophando epapashwe sisikolo saseWharton kwiYunivesithi yasePennsylvania, ubudala apho abantu abatshatayo badlala indima kumtshato wabo. Abantu abatshatayo besebancinci bahlala bejongana nemicimbi yemali, ukungakhuli, ukungabikho konxibelelwano, kunye nemicimbi ethi ikhule ngokwahlukana. Ubudala, kwezinye iimeko, bunokongeza amava anokunceda umtshato usebenze. Oku kwafunyaniswa ukuba kuyinyani kwisifundo esinye, ukufumanisa ukuba izibini ezitshata kamva ebomini zihlala zinamazinga oqhawulo mtshato asezantsi.
10. Umahluko kwisitayile somzali
Ukuba ngumzali sesona sivumelwano sikhulu ngakumbi kunokutshata. Kanyeabantwana bangene emfanekisweni, izinto eziphambili ngokubaluleka ziyatshintsha, indlela yokuphila iyatshintsha, kwaye ngokuqinisekileyo imikhwa yokulala iyachaphazeleka. Ngokwegqwetha uJeff Biddle, Umahluko kubuzali Isitayile sesona sizathu siphambili sokuba abantu abatshatileyo bafune ukuqhawula umtshato. Umzekelo, khawufane ucinge ukuba omnye umzali ukholelwa ekuyekeni umntwana akhale kwaye omnye ukholelwa kwindlela yokwenza izinto. Ngaphandle kokuba amaqela akwazi ukunxibelelana aze enze isisombululo esifanayo, imiba enje ngale inokubangela ukwahlukana.
11. Iimbono ezahlukeneyo zoLingano
Isibini singatshata silindele ukuba bobabini bazokwabelana ngokulinganayo kwimali yomsebenzi wokuqhuba umzi, kunye neendleko kunye nezigqibo zezemali kodwa eneneni elinye iqabane liphela kulawulo okanye kulindeleke ukuba lenze ngaphezulu kwelinye. Okanye banokutshata ngolindelo olusekwe kwinkcubeko yabo okanye kwinkolo yabo yokuba ukwahlulwa kwemisebenzi noxanduva kuya kuba kungalingani kwasekuqaleni. Ngokuhamba kwexesha oku kungakhokelela kumsindo kwaye inzondo liqabane oziva ukuba baphathwa ngokungalingani. Ukuba isibini asikwazi ukunxibelelana kwaye silandele ngokwabiwa ngokuhloniphekileyo nangokufanelekileyo kwabasebenzi kunye noxanduva kwikhaya labo, imali kunye nemisebenzi yokukhulisa abantwana, oku kungakhokelela kuqhawulo mtshato kunye noqhawulo mtshato.
12. Ukungabikho kobuhlobo
Imitshato yayiyeyokwabelana ngesondo iba yinto enqabileyo okanye engekhoyo inokuthi iphele kuqhawulo mtshato. Imitshato inokungabelani ngesondo ngenxa yezizathu ezininzi, njengamaqabane okhula ngokwahlukeneyo ngokweemvakalelo, uxakeke kakhulu kwaye udiniwe ngumsebenzi nokukhathalela abantwana okanye imicimbi yezonyango, iingxaki zempilo yengqondo kunye nokukhubazeka komzimba. Ngaphandle kwengcebiso, imitshato inokuqhawuka ngaphandle kokusondelelana rhoqo ngokwasemzimbeni nangokweemvakalelo. Malunga ne-15 ukuya kwi-20% yemitshato e-US 'ayinantlobano zesini' kwaye malunga neepesenti ezingama-50 kwezi kukhokelela kuqhawulo mtshato .
13. Iingxaki Zonyango
Elinye iqabane eligula kakhulu okanye eliqobayo lingakhokelela kuqhawulo mtshato. Ukongeza kwingxaki yezempilo ebangela iingxaki ekusondeleni ngokwasemzimbeni, inokukhokelela ekusebenziseni gwenxa iziyobisi, uxinzelelo kunye noxinzelelo, ngokunjaloImiba yezemali enje ngamatyala. Rhoqo kunokuba kungenjalo, uphando lufumene ukuba ngu ukugula okuphethwe ngumfazi oko kukhokelela kuqhawulo-mtshato. Umfazi one stroke kunye nesifo sentliziyo ngakumbi kubonakala kulonyusa kakhulu ithuba loqhawulo-mtshato.
14. Umahluko ngokwenkolo
Phantse isiqingatha sayo yonke imitshato eMelika ziphakathi kwabantu abatshatileyo abathandanayo. Ukuba ezi zibini azixoxi nzulu ngaphambi komtshato ukuba inkolo iya kuphathwa njani ekukhuliseni abantwana kunye nezinye iziganeko zobomi, uqhawulo-mtshato lunokubakho. Uphando lufumanise ukuba abantu abatshatileyo kwimitshato yeenkolo ezahlukeneyo basemngciphekweni wokuqhawula umtshato iphindwe kathathu kunabantu abangakholwayo.
Oonobangela Abaphambili Boqhawulo-mtshato
Xa ubona iingxaki kumtshato wakho, kungcono ungalindi de zibe zingaphaya kokuzilungisa. Ukuba uphonononga izizathu eziqhelekileyo zokuqhawula umtshato, uninzi lwemicimbi enokusonjululwa ukuba omabini amaqela avulelekile ukuba asebenze kuwo. Ukufumana abacebisi abatshatileyo abafanelekileyo okanye amaqela enkxaso kunokuba yindlela elungileyo yokuqala ukusebenza ngemicimbi yomtshato eqhubeka nokukhula. Ewe kunjalo, kwiimeko apho kukho ubundlobongela kunye nokuphathwa gadalala, ukhuseleko lweqabane elichaphazelekayo kunye nabo nabaphi na abantwana kufuneka ibe yeyona nto iphambili. Ukuba uthatha isigqibo sokuqhawula umtshato, thatha ixesha lokuqhubekeka neemvakalelo zakho kwaye ufune inkxaso xa kufuneka.
