Kwete, ini handisi kutarisana. Pane imwe nguva vakaroorana vanozviita kuburikidza nemazororo, mwedzi mishomanana yegore negore vanowanzoona kuwedzera kwekurambana kwemapato.
Izvozvo zvinogona kunyanya kuipa kumweya wehutano hwemukadzi. Kunyange vakadzi vane zvinhu zvinokosha vanowanzotambura mune zvemari panguva uye mushure mekunge vaparadzana, vanoti Stacy Francis, New York-based CFP uye Certified Divorce Financial Analyst (CDFA).
Francis achangobva kuongorora vakadzi vanopfuura 150 mumatanho akasiyana- siyana okurambana uye vakaona kuti munyaya iyi-yakafanana nevamwe vakawanda-kudzivirirwa kwakanakisisa kunaka kwakanaka. Dambudziko iro anotsanangura, nderokuti "vanhu vari kurambana vanomanikidzwa kuita zvisarudzo zvehupenyu hukuru munguva inopera." Izvozvo zvinogona kutungamirira kukurumidza kufunga, uye kazhinji kukanganisa. Kupinda nemusoro wakajeka, pfungwa chaiyo yezvinhu zvako uye pfungwa yezvaunoda kubva kune rumwe rutivi ndicho chinhu chinokosha. Hezvino izvo zvaunoda kuita.
Tora zvaunayo- uye iwe.
Inogona kuve yakaoma, asi iwe unoda kujekesa uye kujeka kwezvakananga izvo zvinhu zvako nezvikwereti zviri. Kana iwe wakaderedza mari yekuita mari munguva yewanano yako, kutora nguva yekuwana ruzivo urwu kunogona kubatsirawo kutarisa mutambo; Francis anotaura kuti mumwe wako anenge ari kutyaira bhazi ane ruzivo pane uyo asina.
Kunyanya, iwe unoda zvinyorwa zvebhuku rebhangi uye rekweretheni (pamabhizimisi maviri ekurega basa uye kwete kubhadhara); mapeti uye Social Security statements; mabasa edzimba; chikwereti, chikwereti chemari, uye zvichemo zvekwereti yemakadhi, pamwe chete nezvimwe zvezvikwereti zvakadai se 401 (k) kana zvikwereti zvemunhu ; uye makore matatu ekupedzisira emitero inodzoka paunenge uchingosvika (mashanu kusvika kune manomwe kana iwe une bhizinesi).
Izvi zvingasava zvose zvinyorwa zvaunofunga nazvo. Maererano neFrancis 'kudzidza, apo vakadzi vanodarika vatatu voga voga vakabhadhara mabhiriro pachavo kana kuti vakagovera basa ravo nevakaroora vavo, chete nechetatu chete vainzwa vakasununguka kushandisa mari yavo.
Tarisa zvakanyanya pamari yako.
Zvadaro, edza kunzwisisa kuti upenyu hwako huri kukudhura hupi, anodaro Lili Vasileff, CDFA uye munyori webhuku idzva rinonzi Money and Divorce .
Ndeapi emitengo iyo yakagadziriswa, zvisingabvumirwi ne discretionary? Ndizvo zvako, iye, kana vana 'here? Zvakakosha kuwana granular pano. Kana iwe kana mudzimai wako mune bhizinesi uye iwe wakamhanyira mari yako pachayo (zvichida bhizinesi yakabhadhara motokari yako, kana kuti yakabhadharwa kudya pamwe nevatengi), iwe ungasakwanise kuita izvozvo zvakare, uye izvi zvinogona kuita kuti ubhadhe zvakawanda mitero.
Funga kwenguva refu.
Vasileff anoti chimwe chezvinhu zvinonyanya kukosha zvaunogona kuita-kunyange usati wataura kune gweta-ndeyekufunga nezvekuguma kwaunoda kubva pane izvi. Upenyu hwaizoita hwakaita sei makore mashanu kana gumi pasi mumugwagwa, kana iwe uchikwanisa kuronga? Ndiko kuchengetedza mararamiro ako aripo zvinokosha here, kana iwe unonyanya kufunga nezvekunzwa wakachengeteka? Izvo zvisarudzo zvichange zvichibatsira mukufambisa zvinhu zvakasara zvaunotevera musangano rako. Vamwe vanenge 15 muzana yevakadzi muFrancis 'vaidzidza vaida kuti vauye kuburikidza nehurongwa hwakasiyana. Kakawanda kukanganisa kwevakadzi kunorwisana neimba vasingakwanisi kuchengeta. (Kana ukasvika pakuziva izvi nguva pfupi mushure mekurambana uye kutengesa panguva iyo, mitero inogona kuita kuti zvibvirire kuisa mari yakawanda). Zvikanganiso zvinowanikwawo nemari yekutsinhanisa, iyo inogona kunge yakafanana nechiso chema dollar inokosha asi yakasiyana-siyana mushure mekuteresa.
Wana rubatsiro rwemari.
Paunenge uri mumatanho ekutanga okurambana, shamwari dzichabuda mumatanda kuti dzinokurudzira avo varairi. Shamwari dzechokwadi dzakanaka dzichakuendesai kune mari yavo. "Maminitsi awakarambana, kana iwe uchibuda kunze uye mushumo wako unoti," Izvo zvinokurova, "anodaro Vasileff. Iye zvino haufaniri kungoita chete kuti zvinhu zvose zvinoshandiswa kwauri nenzira yakarurama, asi iwe unofanirawo kugadzira hupenyu hutsva hwehupfumi. Izvi zvinoreva kuongorora bhajeti idzva, kuisa zvinangwa zvekuchengetedza zvitsva, uye kudzorerazve chero chipi zvacho chaunogamuchira sechikamu chekugara kwako, zvichienderana nezera rako uye kushivirira kune mumwe munhu pachake. Ndiko apo kugadzirisa zvemari pakubhururuka nekukurumidza kunowanikwa kunyanya kunobatsira.
Mashoko akanaka ndeokuti, pane chiedza pamagumo emugwagwa: Francis 'akawana kuti 59 muzana yevakadzi vakanga vakagutsikana nemari yavo panguva yavakanga vasina kuroorana-37 muzana mushure mokurambana uye 22 muzana apo vakanga vasina kuroorwa .
Nei zvakadaro? Francis anotsanangura: Ndiyo pavakange vane ruzivo rwakanyanya. "Iye zvino zvavari voga, zviri chaizvo kwavari."