Anter
- 1. Ka mālama ʻana i ka meaʻai ma ka papa
- 2. Pehea e uku ai i kāu mau bila
- 3. Ke ʻimi nei i kahi e noho ai
- 4. Ke uku nei no ka mālama keiki
- 5. Ka mālama ʻana me ka halihali
- 6. Inikua olakino
- 7. Ka hoʻoponopono ʻana i nā ʻaie i koe
ʻO ka hele ʻana i loko o kahi hemo he mea traumatic lawa ia no kou olakino manaʻo, waiho wale i ka mea e hana ai i kāu ola kālā.
Ma ke ʻano he makuahine, ʻo nā hopohopo e pili ana i ka hana a kāu male male i kāu mau keiki e hoʻopau ai i kou noʻonoʻo kokoke i ka pehea e hoʻomākaukau ai no nā pilikia kālā ma hope o ka hemo ʻana.
Mai ka uku ʻana i nā bila, e mālama i ka meaʻai ma ka papa, a hoʻolako i kāu poʻe keiki ma ke ʻano he makua hoʻokahi.
ʻO ka ʻike ʻana i nā pilikia kālā o kahi makuahine hoʻokahi hiki ke kōkua iā ʻoe e hana i kahi hoʻolālā pāʻani e pili ana i ke ala maikaʻi loa e mālama ai i kāu mau keiki i kāu mau kūlana makua hoʻokahi.
Eia he 7 mau pilikia kālā o ka lilo ʻana i makuahine hoʻokahi āu e hālāwai ai ma hope o kou male male ʻana.
1. Ka mālama ʻana i ka meaʻai ma ka papa
Ma ke ʻano he makuahine hoʻokaʻawale ʻia, malia paha ua ʻoki ʻia kāu loaʻa kālā ʻohana i ka hapalua a ʻoi paha. Maliʻa paha, ʻaʻole ʻoe e hana iki i ka wā i male ai ʻoe.
ʻO kēlā me kēia kūlana ou, ke kau nei kāu nānā i kēia manawa pehea e mālama ai i nā mea e pono ai i kou ola. ʻOiai, ʻo nā lako kula a me nā lole ke kumu o ka hopohopo ma hope o kou male male ʻana no ka mea ʻaʻole haʻahaʻa kēia mau mea.
ʻO kekahi o nā hopohopo nui a i ʻole nā pilikia nui o nā mākua āu e kū ai i mua ke ʻano o ka mālama ʻana i kou ʻohana.
Hōʻike ke kumukūʻai no nā meaʻai mai USDA i ke kumukūʻai o ka meaʻai no kēlā me kēia mahina no hoʻokahi kanaka mai $ 165 a $ 345, ke kaukaʻi ʻia i kou mau makahiki a me kāu kāne. Piʻi wale kēia kumukūʻai me nā keiki hou aʻe āu.
E nānā pū kekahi:
Inā ʻoe e hakakā kālā nei ma hope o ka hemo ʻana, ʻo ka mea mua āu e noʻonoʻo ai e nānā i nā ʻōlelo aʻoaʻo no ka hoʻolālā kālā ʻana no nā makuahine hoʻokahi a i ʻole nā ʻōlelo aʻoaʻo kālā no nā makuahine hoʻokahi.
2. Pehea e uku ai i kāu mau bila
ʻO ka uku ʻana i kāu mau uku mahina a i ʻole ka uku molaki kekahi o nā pilikia nui loa o ka makuahine hoʻokahi.
ʻO ka mālama ʻana i nā pono o kou home he mea weliweli a luhi paha, akā, mai haʻalele i ka lana. Nui a hewahewa nā ala e hele ai i loko o kēia manawa a hiki i kou manawa ke ʻike i kahi kūlana ʻoi aku ke kālā.
ʻO kahi laʻana, hiki iā ʻoe ke kiʻi i kahi hana lua a i ʻole kahi kūlana hana-mai ka home ma ka pūnaewele e hāʻawi iā ʻoe i ka loaʻa kālā hou.
ʻO ke kūʻai aku ʻana i kou home a neʻe aku me nā lālā o ka ʻohana a i ʻole nā hoaaloha pili i kēia manawa e hōʻoluʻolu paha i ka ukana pili kālā. E noʻonoʻo paha ʻoe i ka refinance ʻana i kou home i mea e loaʻa ai kahi helu haʻahaʻa.
3. Ke ʻimi nei i kahi e noho ai
ʻO ka ʻoiaʻiʻo kaumaha, hoʻokahi i loko o ʻelima mau wahine e hāʻule ma lalo o ka laina ilihune ($ 20,000 loaʻa kālā home ma ka makahiki no kahi ʻohana o ʻekolu) ma hope o ka haʻalele ʻana i ka hemo.
ʻAʻole kēia kahi helu helu maikaʻi loa no nā makuahine hoʻokahi e nānā nei e hoʻolako i ke kūlana kula a me kahi noho maikaʻi loa no kā lākou keiki.
ʻO kekahi o nā pilikia nui loa kālā o kahi makuahine hoʻokahi kahi āu e noho ai. Inā ʻaʻole hiki iā ʻoe ke mālama i kou home ʻohana kumu, mai hopohopo.
Nui nā kōkua kōkua hale no nā makuahine hemo, a no nā ʻohana haʻahaʻa kōkua no nā makuahine hemo me ka loaʻa kālā ʻole a i ʻole nā makuahine hoʻokahi me ka loaʻa kālā haʻahaʻa.
Hiki iā ʻoe ke koho e noho pū me nā lālā o ka ʻohana no ka manawa ma hope o kou male male ʻana. Mai haʻaheo e ʻae i ke kōkua mai nā hoaaloha a me nā ʻohana i kēia manawa hoʻāʻo.
4. Ke uku nei no ka mālama keiki
Ma ke ʻano he makuahine hoʻokahi, hiki i kāu mau kuleana kālā ke koi iā ʻoe e hoʻi i ka hana a i ʻole lawe i nā hana ʻelua i ka manawa hoʻokahi.
He hōʻeha weliweli paha kēia, ʻoiai ʻaʻole wale ʻoe e hopohopo a luhi hoʻi, lawe pū ia i kou manawa mai kāu mau keiki.
Ke hana nei paha i ka manawa piha pono paha ʻoe e ʻike i nā pono mālama keiki ke noho ʻole ʻoe ma ka home me kāu poʻe liʻiliʻi.
Hiki paha iā ʻoe ke noi i ke kōkua o kou ʻohana a me nā hoaaloha e ʻike i ka mālama ʻana i kāu poʻe keiki ʻoiai ʻoe e hana ana, ma ka liʻiliʻi a hiki i ka paʻa hou ʻana o kāu kālā.
5. Ka mālama ʻana me ka halihali
E like me ka ʻikepili mai Federal Reserve ka awelika uku kaʻa no kēlā me kēia mahina ma USA hiki ma waena o $ 300- $ 550 i kēlā me kēia mahina ma kahi kaʻa hou.
Me he mea lā he manaʻo maikaʻi loa kēia hōʻaiʻē ʻoiai ʻoe he ʻohana ʻohana e kaʻana like nei i ke kuleana kālā no kāu kūʻai mai, akā ma ke ʻano he makuahine hoʻokahi, e wili paha kou poʻo ke hoʻāʻo ʻoe e helu i ka hiki iā ʻoe ke mālama i kāu kaʻa.
Ma ke ʻano he makuahine hoʻokahi, he mea nui ka halihali. Pono kēia e lawe i kāu mau keiki i ke kula, e kiʻi ana i nā mea kūʻai mai, e hele ana i ka hana, a inā he pilikia.
Inā ʻike ʻoe ʻaʻole hiki iā ʻoe ke uhi i kāu hōʻaiʻē kaʻa hou, hiki paha iā ʻoe ke kūkākūkā me ka mea kūʻai aku e hoʻihoʻi ia, a i ʻole kūʻai aku ʻoe iā ia ma ka pūnaewele a koho i kahi kaʻa hoʻohana i kūpono.
6. Inikua olakino
ʻO nā kuleana olakino kahi pahuhopu kālā ʻē aʻe o kahi makuahine hoʻokahi i hāʻule iā ʻoe ma ke ʻano he makua hoʻokahi.
Minamina, hoʻokahi o nā wahine ʻehā e nalowale i kā lākou ʻinikua mālama pilikino no kekahi manawa ma hope o ka hemo. Hiki i kēia ke kumu i kahi hopohopo nui ke lawe ʻoe i kēia pilikia.
Mai hoʻokuʻu iā ia e hoʻokahuli iā ʻoe. Ma ke ʻano he makuahine, ʻo kāu hana ia e hōʻoia i ka mālama ʻia ʻana o kāu mau keiki, keu hoʻi i nā hihia pilikia.
E hana i ka noiʻi ikaika e hōʻoia ai i kāu hopena me ke kulekele ʻinikua maikaʻi loa e uhi ana i kou ʻohana no ka uku haʻahaʻa.
7. Ka hoʻoponopono ʻana i nā ʻaie i koe
ʻO ka lōʻihi o kou male ʻana, ʻo ka ʻoi aku paha ka nui o ka hōʻaiʻē pū ʻana o ʻolua me kāu ex.
Ua kūʻai paha ʻoe i kahi kaʻa āu e hana nei i nā uku, me ka manaʻo e hele ana kāu kāne ma laila e kōkua i ka uku ʻana.
Ke hoʻomaka nei i kou ola ma ke ʻano he kāne male a he hakakā hakakā kālā paha ia, e hoʻomaka - a ʻo ia ma mua o kāu loaʻa ʻana o nā kāleka hōʻaiʻē.
ʻO kahi molaki, nā hōʻaiʻē lako, a me ka hōʻaiʻē kāleka hōʻaiʻē pū kekahi nā aie maʻamau i koe paha ma hope o ka hemo ʻana.
Inā ʻaʻole i hoʻoponopono ʻia kēia mau ʻaiʻē i ka ʻaha a hōʻole paha kāu wahine e kōkua iā ʻoe e uku i kā lākou kuleana, hiki ke ʻano weliweli, keu hoʻi ke hoʻāʻo nei ʻoe e hoʻomaka i kou ola.
Mai hāʻawi pio
ʻAʻole maʻalahi nā pilikia kūleʻa o kahi makuahine hoʻokahi ma hope o ka hemo ʻana, akā ʻaʻole e hāʻawi.
Me ka hoʻolālā kūpono, kōkua mai ka ʻohana a me nā hoaaloha, ke ahonui, a me ka hoʻoholo paʻa, hiki iā ʻoe ke hele i waena o kēia manawa paʻakikī me kou poʻo e kiʻekiʻe.