-Delile
- Qonda isimo sezimali somyeni wakho
- Khuluma ngokukhululekile ngemali
- Gcina imali yehlukene futhi ihlangene - isisombululo esincane
- Isivumelwano sangaphambi komshado
- Isivumelwano sangemva komshado
- Ukuzizwa uphephile kuyadingeka ukuze ujabulele umzuzu
Yize kungezwakali kuthandana kakhulu, udinga ukwazi ngemiphumela yezimali ebuhlotsheni bomshado obungaletha. Ngokucaca nokubeka okulindelwe okulungile mayelana nezimali ngaphambili, ungazivikela ezingxabanweni nasekukhathazekeni okuzayo ngokuhamba kwesikhathi.
Noma umshado unezinkinga zawo zezezimali, njengokuhlanganyela izikweletu, ukuba nomuntu oncika kuye uma unenkinga kungaba usizo olukhulu. Kodwa-ke, noma ngabe ningozakwethu, kufanele nicabange ngani futhi nihlakulele inkululeko yenu yemali emshadweni. Ukuthi uzoba nenkululeko engakanani yemali kuncike kuwe nakubudlelwano bakho.
Ucwaningo oluningi lwembula ukuthi abalingani babalula izingxabano zezezimali njengesizathu sokuqala sezingxabano. Umbuzo wamarandi ayizigidi uthi “Ngingayivikela kanjani imali yami emshadweni ngibe nginobudlelwano obunothando nobuzinikele?”
Qonda isimo sezimali somyeni wakho
Sikhetha ukuba nomlingani ovikelayo, ophendula izidingo zethu ezingokomzwelo, aqonde ukuphakama kwethu nokwehla kwethu, futhi afeze okulindelwe kumuntu onomthwalo wemfanelo ozothatha ukubophezeleka nezenzo zokuzikhusela ukugwema ukuba sengozini kwezezimali. Kuwo wonke lo budlelwano, kungenzeka ukuthi uyibonile imikhuba yakhe yezezimali nokuthi uqaphela noma budedengu kangakanani ngezimali azitshalile. Thembela kulokho okushiwo ukukusiza uqonde ukuthi hlobo luni lwezinyathelo okudingeka uzenze lapho uphendula umbuzo othi "Ngingayivikela kanjani imali yami emshadweni?"
Uma umlingani wakho ethanda ukusebenzisa imali kaningi futhi ehlala njalo ngemuva kwezikweletu zakhe, izenzo zakho kufanele ziqine ngokwengeziwe. Ngokuphambene nalokho, ngomlingani ovame ukuhlela phambili, wonga imali ohlangothini lwezenzakalo ezingalindelekile futhi ahloniphe ukuzimela kwakho kwezezimali akudingeki uqaphele. Noma kunjalo, kufanele ugcine enye inkululeko yakho. Ngale nqubo, khumbula izindlela zakho zokusebenzisa imali bese ubona ukuthi zihambisana kanjani nomlingani wakho. Mhlawumbe empeleni "ungukuchitha", futhi nguwe okudingeka wenze ukulungisa okuthile.
Khuluma ngokukhululekile ngemali
Imali ivame ukuba yinto engathandeki, ngakho-ke ungasheshi ukhulume ngemali uma uzizwa ungakulungele. Uma uzizwa uzilungiselele futhi nesikhathi silungile, gcina kukhanya. Ukukhuluma ngokuphathwa kwemali akudingeki kube nzima, ikakhulukazi uma ukugcizelela njengodaba oluzoqinisa isibopho phakathi kwenu. Ungaqala ngokubeka izinhloso zeminyaka emithathu, emihlanu noma eyishumi elandelayo ugxile ekuchumeni komuntu ngamunye nokuhlangene. Uma kwenzeka lesi kuyisihloko esisongela kakhulu, qala ngokuhlela uhambo ndawonye noma ukuthenga okuthe xaxa kancane, isibonelo, imoto. Lokhu kungakunikeza imininingwane eyanele mayelana nemikhuba yakhe yezezimali futhi kuvule ingxoxo ngemali ngesizathu esihle ngokwengeziwe.
Uma uthola engxoxweni ukuthi unezinhloso ezingalingani ngokuphelele zeminyaka ezayo, xoxa ngalokhu nomlingani wakho futhi okwamanje uqiniseke ukuthi uyazinakekela. Impela, ukhetha (noma ukhethe) yena njengomyeni wakho ngenxa yezinye izimfanelo aziletha etafuleni, hhayi (nje) indlela aphatha ngayo imali. Ukuhlakanipha ngokwezezimali kuyimfanelo ebalulekile umlingani okufanele abe nayo, ukugcina ukuzimela kwakho kwezezimali kungasindisa hhayi ikusasa lakho kuphela, kepha nokuzethemba kwakho. Uma uzibeka njengomnikeli futhi uzizwa sengathi uyakwazi ukuzinakekela, uqinisa ukuzethemba nesithunzi.
Gcina imali yehlukene futhi ihlangene - isisombululo esincane
Uma uzibuza ukuthi "ngingayivikela kanjani imali yami emshadweni?" kungekudala noma nini i-prenup izovela njengesisombululo esingaba khona. Ukuvikelwa kwempahla nama-prenups kungazwakala sengathi ulindele isehlukaniso, esikhundleni somshado wempilo yonke. Uma lokhu kukukhathaza futhi ungacabangi ukuthi i-prenup yisixazululo esifanele, kunezinye izindlela zokuthi imali nezimpahla zivikelwe. Enye yezinto ongayenza ukugcina imali yakho yangaphambi komshado kwi-akhawunti ehlukile. Njengoba nguwe kuphela okwazi ukufinyelela izimali zakho ozitholile ngaphambi komshado, ubeka ungqimba lwesivikelo kuso.
Ukuhlanganisa izimpahla zakho nomlingani wakho kungavumela ababolekisi ukuthi bazibambe izimali uma umlingani wakho enesikweletu esisele. Ukugcina ngokuphepha izimali zakho akusho ukuthi zibekwe ngemuva kwengidi yensimbi. Usengakwazi ukufinyelela kulezo zinqolobane ukondla umndeni wakho ngesikhathi esinzima futhi uyigcine njengenetha lokuphepha. Qaphela ukuthi ungakhiphi okungaphezulu kokukhululeka kwakho, qhubeka ugcwalisa i-akhawunti futhi ugcine amarekhodi akhuthele. Ngokugcinwa ngokuphelele, uzokwazi ukufakazela ukuthi yini ekhokhelwe kwi-akhawunti yakho ehlukile futhi uma izinto zingahambi kahle, khombisa ubunikazi obucacile bezimpahla.
Isivumelwano sangaphambi komshado
Abeluleki abaningi bezomthetho bathi i-prenup ihlala iyindlela ephephe kunazo zonke yokuvikela izimpahla zakho uma kwenzeka isehlukaniso. Uma sithembekile, indlela ephephe kakhulu ukungashadi, futhi ama-prenups azoza njengesibili. Uma i-prenup igcina sekungukukhetha kwakho, qiniseka ukuthatha izeluleko zezomthetho ezizimele ezivela kumlingani wakho futhi unikeze ukudalulwa kwezezimali okugcwele kumeluleki. Vumela umlingani wakho kanye nawe isikhathi sokubheka, ukuhlola nokuxoxisana ngemigomo yesivumelwano se-prenup. Imigomo ye-prenup kufanele izwakale ezinhlangothini zombili. Lokho kusho ukuthi ukwahlukaniswa kwempahla kufanele kufake izidingo eziyisisekelo ezikhona, njengekhaya nemali okufanele uphile ngayo. Yiziphi ezinye izixazululo ezikhona kule nkinga yokuthi “Ngingayivikela kanjani imali yami emshadweni?”
Isivumelwano sangemva komshado
Imvamisa lapho izinto zehla, lokho okwake kwabonakala kulungile manje kubukeka kuhlangothi olulodwa futhi kungafanele. Kaningi kunalokho, umbono onjalo ungafika njengomkhiqizo wezingxabano ezingasonjululwanga, ukulimala futhi okungenani uhlangothi olulodwa luzothi luthole okubi kakhulu. Isivumelwano sePostnup sisebenza njengenetha lokuphepha ezimweni ezinjalo. Uma kuqhathaniswa ne-prenup, i-postnup yisivumelwano esenziwe yizithandani eseziboshiwe emshadweni osemthethweni. Kungaba futhi isivumelwano esisha ngokuphelele noma ukulungiswa kwe-prenup esivele ikhona.
Ukuzizwa uphephile kuyadingeka ukuze ujabulele umzuzu
Kokubili i-prenup ne-postnup zivame ukubukelwa phansi futhi zibe nedumela elisabekayo. Kodwa-ke, zombili lezi ziyizindlela eziphumelelayo zokuvikelana ezinqumweni ezingalimaza uma ususendaweni yokucasuka, intukuthelo, nentukuthelo. Uma wena nomyeni wakho nikhulisa indawo egcwele ukuqonda, uthando nokondleka, ngeke sibe khona isidingo sokuqalisa isivumelwano. Kubambiswano olunjalo, uzokhula ngokomoya futhi uphumelele ngokwezimali. Lesi simo singasifanisa nomshwalense wemoto. Uzoqinisekisa ukuthi imoto yakho, unethemba lokuthi akukho okubi okuzokwenzeka futhi uzokwenza konke okusemandleni akho ukugwema ukulimala. Kodwa-ke, kuyasiza ukubeka imali ethile kumshuwalense, ngakho-ke unengcezu yomqondo wakho bese ushayela ngokukhululeka nangokuthokozela. Okokugcina, uma i-prenup ne-postnup kungeyona indebe yakho yetiye, ungavikela imali yakho emshadweni ngokuhlukanisa imali yakho nempahla yakho ngaphambi komshado futhi wakhe ingxoxo evulekile mayelana nemali nomlingani wakho.