ʻO ka hoʻohuiʻana i ka hikiʻole ke mālamaʻia i ka manawa e pili ana ke kālā
He mea paleʻoe. He mea kaumaha iāʻoe e mahele me ke kālā no kou noʻonoʻoʻana i ka hana paʻakikī āu i hele ai e loaʻa.
Makemake kou hoa i ka hoʻolimalima kālā no ka meaʻo ia e noʻonoʻo ana i ka hauʻoli o ke kūʻai.
A iʻole paha ua hoʻololiʻia kou kūlana. Malia pahaʻoʻoe ka mea nui, aʻo kāu wahine he penny pincher no ia.
ʻOiaiʻo wai ka mea nāna e hoʻokani i kēia kuleana,ʻo ia ka mea e hōʻino ai i kou pilina .
Ponoʻoe a me kāu wahine e noʻonoʻo i kahi ala e hoʻohui i kāu kālā ma keʻoluʻolu, no ka maikaʻi aʻoi paha.
Pehea e hiki ai iāʻoe keʻaʻa i kēia kūlana ? E ho'āʻo i kēia hana maʻalahi:
E hoʻokumu i kāu "Yours," "Mine," a me ko mākou "Mau."
E hoʻopaʻa i kahi'auke kālā hui pū me kāu e uku ai i kāu mau bila pili like, e like me kāu uku hoʻolimalima, hale kūʻai, mea kūʻai, gas, a me nā kumu kūʻai e pono ai no nā lilo ola.
Eia kekahi, e mālama i nāʻokoʻa likeʻole kahi e loaʻa ai i kahi a me kēlā me kēia wahine kekahi kālā liʻiliʻi loa e hiki ai iā lākou ke hoʻolilo i ko lākou makemake. Kūpono ka manaʻo o kēlā me kēia hoa e hoʻohana i kēia kālā ma nāʻano a pau i kūpono iā lākou, aʻo ka mea'ē aʻeʻaʻole hiki ke pane i kekahi pane (ke manaʻo nei, ua lilo ke kālā i kekahi mea pili i ke kānāwai a me ka hoʻoponopono).
I ka manawa e hoʻopaʻa aiʻolua i kēia pūʻulu , pono nā kāne a pau e paʻa i ka rula i hikiʻole iā lākou ke leo i ke kū'ē i keʻano o ka hoʻohanaʻana o kekahi hoa hana i kāna kālā, me kaʻikeʻole i nā manaʻo o lākou.
ʻO kaʻoiaʻiʻo, pono i nā wāhineʻelua ke paneʻole i kekahi manaʻo.
E noho mālie no ka kūʻaiʻana o kāu hoa i ke ala āu e hana ai me ka meaʻike. ʻAʻole kāu kālā; ʻO ke kālā ia no kāu wahine, a no ka pono o kou pilina, uaʻaeʻiaʻoe eʻoliʻoli piha i kēia māhele o kāu kālā.
Pehea ka nui o kāu kālā no kēia ?
Ponoʻoe e hui pū i ka wā e koho ai i ka nui o kāu mau helu pilikino. Pono kekahi mau kāne e koho i ka mālamaʻana i nā helu pilikino e hōʻike ana i nā kālā kūponoʻole, e like me ka 1 pakeneka a 2% o ka waihona kālā o ka home.
Inā hele mai kahi kāne i $ 5,000 ma ka mahina i hoʻohuiʻia, no ka laʻana, a hoʻohele i ka 2 pakeneka o kēlā kālā i kā lākou mau helu pilikino, e loaʻa iā lākou $ 50 i kēlā me kēia mahina ($ 100) e pāʻani me ka makemake.
Ua koho nā kāne'ē aʻe e mālama i ka nui o ka nui o ka waihona kālā o kaʻohana ma kā lākou mau helu kālā, e like me ka 5 pakeneka, 10 pakeneka, a 20% paha.
Inā hoʻoholo kēlā mau kāneʻelua i ka hui $ 5,000 i kēlā me kēia mahina e hoʻokaʻawale i ka 20 pakeneka o kā lākou kālā e loaʻa ai i kēia papahana, a laila, loaʻa i kēlā me kēia hoa kālā $ 500 no ka malama e uku aiʻoiai lākou makemake. Ma kēiaʻano, ua hoʻolaʻaʻia he $ 1,000 i ka papahana "āu a me kaʻu".
He aha inā inā e loaʻa iāʻoe nā mea likeʻole?
He mea maʻalahi kēia pilikia inā loaʻa iāʻoe a me kāu wahine nā kālā likeʻole.
Hiki paha i ka wahine hoʻokipa kiʻekiʻe ke manaʻo e like pahaʻo ia e mālama ana i ka hoaʻai haʻahaʻa haʻahaʻa,ʻoiai inā he mau hana loaʻa kālā kā lākou ma waho o ka home, akā,ʻo ka wahine iʻoi aku ka nui e ho'āla e hana i nā hola lōʻihi.
I kekahi mau pilina, hiki ke hana i kēia manaʻo huhū .
Ma kekahiʻaoʻao, hiki i ka wahine haʻahaʻa haʻahaʻa keʻike i ka mahalo nuiʻia, keʻoleʻo ia e lawe i ka hapa nui o nā hana hale. Ma kēia mau kūlana, hiki i ka wahine haʻahaʻa haʻahaʻa ke manaʻo uaʻikeʻoleʻia ko lākou mauʻohana.
ʻAʻohe mea hoʻokahi-nui-e like me nā hopena i kēia pane. Eia kekahi mau hana :
- ʻO kekahi mau kāne e hoʻokaʻawale i kahi kālā likeʻole i kēlā me kēia kanaka, me ka nānāʻole i ka loaʻa kālā o kēlā me kēia kanaka.
- Hoʻokaʻawale kekahi mau pilikino i ke kālā i kēlā me kēia kanaka i kūlike i ko lākou mau haʻawina kālā. Inā hoʻoili kekahi hoahele i ka 70 pakeneka o ka kālā o kaʻohana i hui pūʻia, aʻo ka mea'ē aʻe e lawe i loko o ka hapalua he 30%, e loaʻa i kēlā me kēia kanaka kahi kālā pilikino pono'ī e pili ana i kā lākou kālā kālā.
- Hāʻawi kekahi mau mākua i ka "uku" i ka wahine nāna e lawelawe i ka hapa nui o nā hana home.
E like me kāu eʻike ai, e pili ana kēia i nā alana kūikawā. ʻAʻohe o kēia mau mea iʻoi aku ka maikaʻi aʻoiʻoi aku ka hewa ma mua o kekahi koho'ē aʻe, heʻano likeʻole lākou. ʻO ke kālā pilikino he "mea pilikino," no laila, ponoʻoe e hoʻoholo i kahiʻoi aku i kūpono i kāu mau waiwai, nā pilina, a me nāʻano.