Kurambana hakusi nyaya inofadza. Asi pamwe ne 42-45 muzana yemhuri dzose dzinopera mukurambana, chinhu chimwe chinofanira kukurukurwa, kunyanya sezvo chiri maererano nehupenyu hwenyu mune ramangwana.
Iwe unogona kunge uri kupfurikidza nekurambana uye wakanzwa nezvechirongwa chekurambana kwemari yemuongorori (CDFA), asi hauna chokwadi kana iwe unonyatsoda imwe. Mushure mezvose, kurambana kunodhura uye iwe zvichida unotarisa kuderedza mari kune chero zvaunogona.
Isu tinoputsa mararamiro uye kushaya mari yekubhadhara chirongwa chekurambana kwemari yemari-zvipi zvavanopa, zvinorema zvavanoti, chii chaunofanira kuziva musati wawana, uye kana iwe unogona kuchengetedza mari nekuita zvimwe zvezvinhu izvi iwe pachako.
Chii Chinonzi Kurambana Kunobvumirana Nezvemari Anoshandisa Mari?
Kuzviisa pachena, CDFA inodzidzisa mari yezvemari inogona kukubatsira kufamba nenzira yezvemari yekurambana.
Vakaratidza kuti varambidzani vezvemari vanotsanangura nezvemari kwenguva yakareba zvinokonzera kurambana. Nzvimbo dzehutano dzinosanganisira alimony, kuparadzanisa pfuma, kugadzirisa kukosha kwemugumo wekurega basa uye mari yepenheni , uye kuverenga kuti chero mararamiro aripo (funga: alimony). Chaizvoizvo, vanoisa pfungwa pane chimwe chinhu chichagadzirisa nguva yako yemari yemari mumamiriro ekurambana.
Imwe nyanzvi yekurambana kwemari yemudzidzi inogona kukubatsira kuti uwane mari yekurarama sezvainopindirana nekutengesa kwezvinhu, kuti uone kuti zvinhu zvako zvakapatsanurana zvakanaka uye hausi kuchinjana pachako pakutaurirana kurambana kwekurambana.
Ndeapi Masangano Vanopa?
Imwe nyanzvi yekudzivisa mutoro wezvemari yemuongorori inobatsira iwe kupatsanura zvinhu mumhaka yekurambana, uchiisa pfungwa pfupi pfupi uye kwenguva refu yemari yehupfumi hwako uye kuti ingakubata sei gare gare muupenyu.
Vanoshandisa mapurogiramu epurogiramu chaiwo kuvabatsira kuti vaongorore zvinhu zvakadai sepfuma, mari, mari yekubvisa mari , pensions, inflation, inshuwarano yehupenyu, uye rubatsiro rwemwana, kungotumidza zvishoma.
Vanopupurirwa kurambana kwemari vaongorori vanogonawo kubatsira kurambana vakaroorana vanoita maitiro chaiwo ekutevera-kurambana kwemwedzi kwemari .
Imwe nyanzvi yekudzivisa mutoro wezvemari yemuongorori anobatsira avo vakarambana vachiuya nekuparadzanisa kwakanaka uye kwakakwana kwezvinhu, vachitarisa mufananidzo wenguva refu, panzvimbo pekuti zvinhu zvinotarisa sei panguva iyoyo. Zvakakosha kuziva: 50/50 kupatsana kwezvinhu hazvisi nguva dzose yakakosha.
The Details
A CFDA inodhura mutengo weawa wega, yakafanana neyaye gweta. Dzimwe nyanzvi dzinofungidzira kukwana kweawa imwechete ye $ 150- $ 450 / awa nokuda kwechirongwa chekurambana kwemari yevanoshandisa mari. Asi vamwe vanowedzera zvakanyanya, kunyanya kana kurambana kwenyu uye zvinhu zvakanyanyisa kana zvakaoma.
Iwe unogona kuwana mumiririri anozivikanwa wokurambana mutori wezvemari achishandisa Institute for Divorce Financial Analysts, sangano rekutanga rinobudisa maCDFA. Iwe unogonawo kubuda kuburikidza neThe Academy of Financial Divorce Practitioners.
Zvakakosha kuziva: CDFA haisi iyo inotsiva mutongi akanaka wekurambana . Iwe unogona kunge uchida zvose zviri muitiko yekurambana.
Ndinogona Kuzviita Ini uye Kuchengeta Mari Here?
Iwe haungagari nguva dzose uchida kubhadhara gwaro rinoratidzirwa rekurambana kwemari mari. Semuenzaniso, kana iwe usati washanda pamwe nemudzidzisi wezvemari, vangave vakakwanisa kukupa pfungwa yakanaka yemufananidzo wako wemari kwenguva yakareba uye kuti ingakanganisa sei kurambana.
Vangadaro vangave vakatoita bhadharo yemwedzi nemwedzi inoshanda.
Kana iwe uine bhizimisi pamwe chete, kana kuti une zvinhu zvakashata, kana kuti usingazivi kugadzira bhajeti mushure mekurambana, zvino chirongwa chekurambana kwemari chekutsvaga mari ingangodaro chisarudzo chakanaka. Zvisinei, kana iwe usina zvinhu zvakakosha kana zvakaoma sebhizimisi kana zvimwe zvivako zveimba, uye uri mubhadhati wakanakisisa, unogona kukwanisa kuchengeta mari uye kuzviita iwe pachako.
Uyezve, iwe nemumwe wako mungakwanisa kupedzisa kurambana kwenyu muchishandisa murevereri uye CDFA , muchimhanyira gweta zvachose, izvo zvichakuchengetedzai mari yose munguva refu.
Kuvakira Kurambana Akaratidza Kuongorora Mari: A Checklist
- Iva nechokwadi chokuti vari nhengo yeIsimba reDarce Financial Financial Analyst kana imwe sangano rinoremekedzwa.
- Tora mumwe munhu waunogona kuvimba naye. Kuenda kuburikidza nekurambana chinhu chinonyengera, nguva. Iwe unoda kuve nechokwadi kuti une mumwe munhu ari parutivi rwako kuti iwe unogona kuzarura.
- Shandisa kutumira kubva kune shamwari. Mikana ndeyokuti, une shamwari kana hama iyo yave ichipfuura mukurambana. Bvunza kana vakashandisa gwaro rekurambana kwemari mari vanogona kukurudzira.
- Bvunzurudza vashandi vanogona kushandisa. Usatya kubvunza mibvunzo yeiyo inogona kugadziriswa kurambana mari muongorori. Zvinhu zvakadai sokufamba kwenguva kwenguva yakareba, zvirongwa zvebasa ravo, mavhareji emakambani, uye kunyange nei vakasarudza kuva CDFA vanogona kukuudza zvakawanda pamusoro pekuti vaizova vakakodzera here.