-Delile
- Isinyathelo 1: Gwema isondlo ngokuphelele
- Isinyathelo 2: Qeda imali yesondlo osuvele uyikhokha
- Isinyathelo 3: Nciphisa inani lemali oyikhokhayo
Vele, indlela elula yokugwema ukuthatha omunye umuntu omdala njengomuntu oncike kuwe empilweni akukhona ukushada. Kodwa-ke, kulabo abathambekele ekungeneni ebudlelwaneni obusemthethweni bomshado, ithuba lokuthola isondlo lizohlala lilibele ngemuva.
Kuzo zonke izifundazwe, lapho abantu ababili beshada, bangena ebudlelwaneni obungokomthetho. Lobu budlelwano bubeka kumlingani ngamunye isibopho sokusekelana ngesikhathi somshado. Futhi kungaletha nomsebenzi wokuhlinzeka ngokuqhubeka nokuxhaswa kwezezimali ngemuva kokuphela komshado.
Ukuthi imali yesondlo iyakhokhwa yini nokuthi, malini, ilawulwa ngumthetho wezwe. Ngenxa yalokhu, sizoxoxa ngemigomo ejwayelekile engakuvumela ukuthi uphume ekukhokheni imali yesondlo.
Lo mbhalo uzodingida indlela ongayithatha ukuphuma ekukhokheni imali yesondlo, uqale ngokukugwema ngokuphelele. Uma lokho kungeke kwenzeke, ungabheka ezinye iziphakamiso ezibekwe lapha, eziphathelene nokuthi ungayeka kanjani ukukhokha isondlo noma okungenani unciphise inani laso.
Isinyathelo 1: Gwema isondlo ngokuphelele
Indlela elula yokugwema ukukhokha imali yesondlo nhlobo ukungashadi. Ngaphandle komshado, abukho ubudlelwano obungabeka kubo isibopho sokuxhasana. Kodwa-ke, ezifundazweni eziningi, imibhangqwana imvamisa ingakugwema ukukhokha isondlo ngokuvumelana ngokuthi isondlo ngeke sikhokhwe. Lokhu kungenziwa ngesivumelwano sangaphambi komshado, isivumelwano sangemva komshado, noma isivumelwano sokukhokha.
Ithuba lokuqala elingaba khona lokuphuma ekukhokheni imali yesondlo yisivumelwano sangaphambi komshado, okuyisivumelwano esenziwa ngaphambi komshado lapho abashadayo bethatha izinqumo mayelana nokuthi izingqinamba ezifana nesondlo semali zizophathwa kanjani uma behlukanisa kamuva. Izivumelwano zangaphambi komshado zivumeleke kuphela lapho bobabili abashadile bedalula okugcwele komunye nomunye mayelana nokuthi banani nokuthi benza malini. Zonke izifundazwe futhi zibeka izidingo ezingeziwe ezivumelwaneni zangaphambi komshado ngaphambi kokuthi zithathwe njengezivumelekile. Isibonelo, izidingo ezijwayelekile zifaka phakathi ukuthi izivumelwano zangaphambi komshado kufanele zibhalwe phansi futhi kufanele zisayinwe. Ngaphezu kwalokho, lezi zithandani kumele ngabe zazithola ithuba lokubonisana nommeli ozimele ngaphambi kokwenza isivumelwano. Futhi, ezifundazweni eziningi, isivumelwano kufanele ngabe sasifanele ngesikhathi kuxoxiswana ngaso. Ngokusobala, lolu wudaba okufanele ijaji likunqume ngokujwayelekile ngesikhathi sehlukaniso.
Uma usuvele ushadile, usengaba nethuba lokugwema isondlo ngokuphelele. Izifundazwe eziningi futhi zaziqaphela izivumelwano zangemva komshado, ezivame ukufana kakhulu nezivumelwano zangaphambi komshado. Umehluko omkhulu ukuthi babulawa ngemuva kokuthi umshado usuvele wenzekile.
Futhi ekugcineni, uma isehlukaniso sesiseduze, ungakwazi ukuxoxisana ngokungakhokhi imali yesondlo esivumelwaneni nowakwakho. Isibonelo, ungathatha isinqumo sokunikeza oshade naye iphesenti elikhulu lempahla, njengezindlu, izimoto, namabhalansi asebhange, ukuze angakhokhi imali yesondlo. Ungazama futhi ukuxoxisana ngenkokhelo yesamba semali, lapho ukhokha isamba esisodwa esibalulekile kumlingani wakho bese ungasakhokhi futhi. Izivumelwano zokuhlala kufanele zivunyelwe yinkantolo ngaphambi kokuba ziqale ukusebenza.
Noma ngabe ukhetha isivumelwano sangaphambi komshado, isivumelwano sangemva komshado, noma isivumelwano sokukhokha, kubalulekile ukuthi uthintane nommeli womthetho womndeni onolwazi esifundazweni sakho. Laba bameli banolwazi olunzulu ngomthetho wedivosi futhi bayakwazi ukukusiza ukuthi uxoxisane ngesivumelwano esizosebenza kahle ukufeza izinhloso zakho.
Isinyathelo 2: Qeda imali yesondlo osuvele uyikhokha
Uma usuvele ukhokha imali yesondlo, izinketho zakho zikhawulelwe kakhulu. Ngokuvamile kunezindlela ezimbili ongaphuma ngazo ekukhokheni imali yesondlo oyalwe ukuthi uyikhokhe: (1) imibandela yokuhlangana ngokomyalelo wenkantolo noma (2) imibandela yokuhlangana emthethweni wezwe.
Umyalelo wenkantolo ofuna ukuthi ukhokhe imali yesondlo kufanele ubeke izimo lapho isondlo sizonqanyulelwa khona. Isibonelo, kungadingeka ukuthi ukhokhe imali yesondlo kuphela isikhathi esibekiwe, okuyilokho okwenzekayo nge-alimony yesikhashana noma i-alimony yokuvuselela. Zombili, ngokwemvelo yazo, zikhawulelwe enkathini ethile yesikhathi. Ngaleso sizathu, kubalulekile ukuthi wazi ukuthi umyalo wenkantolo uthini mayelana nokuthi ukuphela kwesondlo kuphela nini. Endabeni yesondlo saphakade, ngokwesibonelo, singanqamuka kuphela lapho oshade naye othola imali yesondlo eshona noma ephinda eshada noma lapho owakwakhe okhokha imali yesondlo esedlulile emhlabeni.
Uma ungeke ukwazi ukuhlangabezana nemibandela ebekwe kumyalelo wenkantolo, kufanele ubonane nommeli mayelana nokuthi ungakwazi yini ukuhlangabezana nezindinganiso zomthetho zokuqedwa kwesondlo ezweni lakho. Ezifundazweni eziningi, kufanele ukhombise ushintsho lwezinto ezibonakalayo noma ushintsho olukhulu ezimweni. Izibonelo zezinto ezingahlangabezana nalelo zinga zifaka ukudilizwa noma ukugula kakhulu noma ukukhubazeka. Into ebalulekile okumele uyazi ukuthi awukwazi ukunciphisa ngamabomu umholo wakho ukuzama ukuphuma ekukhokheni imali yesondlo. Uma wenza kanjalo, inkantolo inamandla "okubala" imali kuwe. Lokhu kusho ukuthi kuzofanele ukhokhe imali yesondlo ngokuya ngenani lejaji okufanele ukwazi ukulithola noma ngabe awenzi mali engako. Ngokusobala, lokhu kungaholela ekushayweni okuphawulekayo kubhajethi yakho futhi kufanele kugwenywe ngazo zonke izindlela. Ungahle ubanjwe ngokwedelela inkantolo, okungaholela ekuboshweni ejele, futhi ungakhokha inhlawulo.
Isinyathelo 3: Nciphisa inani lemali oyikhokhayo
Uma ungeke ukwazi ukuphuma ngokukhokha imali yesondlo ngokuphelele, ungakwazi ukunciphisa inani lemali olikhokhela lowo owawushade naye. Indinganiso yezomthetho yalokhu imvamisa ukuthi izimo zishintshe kakhulu noma ngokwezinto ezibonakalayo. Isibonelo, mhlawumbe awukwazi ukusebenza amahora amaningi ngoba kufanele uthathe ukwelashwa okuqhubekayo. Noma mhlawumbe lowo owawushade naye uthole ukukhushulwa okuphawulekayo, ngenkathi wehliswa esikhundleni ngenxa yephutha lakho. Ezimweni ezinjengalezi, ijaji lingathola ukuthi izimo zishintshe ngokwanele ukuze ungakhokhi imali yesondlo engakanani.
Uma ufuna ukuphuma ekukhokheni imali yesondlo, ukubheja kwakho okuhle ukuqasha ummeli womndeni onolwazi esifundazweni sakho. Laba bameli bazi ukuthi bangazihlela kanjani kahle izindaba zenkantolo ukuze bathole ithuba elihle kakhulu lokukhokha imali yesondlo noma ukunciphisa inani.