Alimony (kuchengetedza shamwari) inogona kunzwa senge chinangwa chekufamba. Imwe nguva urikukurukura nezve “zvinoita sezvakanaka,” uye inotevera wakatarisana nemirairo yakasimba yeDutch pamusoro pezvinodiwa uye kugona kubhadhara, indexation, mabhenefiti ekudyidzana, uye nemutemo nguva-nemhedzisiro yekuyerera kwemari. Pasinei nokuti unotarisira kubhadhara kana kugamuchira rubatsiro, zvinoshamisa zvisingafadzi zvinowanzobva mukufungidzira kusina kujeka: mutemo upi unoshanda, kuti rubatsiro rwevana runokoshesa sei, kuti matare anoverenga sei mari, kuti mubhadharo unotora nguva yakareba sei, uye chii chinoitika kana mari yako kana mamiriro emhuri akachinja.
Nhau dzakanaka: misungo mizhinji inodzivirika nehurongwa hwakarongeka uye negwara remutemo rekutanga. Nekujekesa mamiriro ehukama hwako nezvinangwa, kuunganidza chokwadi chemari, kuenzanisira kuchengetwa kwemwana uye mudiwa pamwe chete, uye kusarudza nzira kwayo (kutaurirana, kuyananisira, kana dare), unogona kusvika pamashoko akajeka, anotevedzwa anoenderana nemutemo weDutch uye ramangwana rako. Gadzira mushanduko yekuchinja, kubhadhara kwakachengeteka, uye kuronga mitero uye mabhenefiti kuitira kuti usazopofumadzwa gare gare.
Gwaro iri rinokufambisa nhanho nhanho kuburikidza nearimony muNetherlands-izvo zvinoshanda kumichato, kunyoreswa kwekudyidzana, uye zvibvumirano zvekugarisana; kuti matare anoverenga sei rutsigiro; nguva uye kugumisa mitemo; kunyora zvinyorwa zvinodzivirira kukakavara; kudzivirira kubuda kwemari; uye nguva yokuwana rubatsiro rwemutemo. Ngatitange nekusimbisa kuti ndeupi mutemo unodzora mamiriro ako.
Danho 1. Tsanangura mamiriro ehukama hwenyu uye mutemo unoshanda
Kuwana rubatsiro rwemutemo nearimony kuti udzivise zvinoshamisa zvisingafadzi kunotanga nekuzivisa chimiro chako chepamutemo. MuNetherlands, kuroora uye kunyoreswa kudyidzana kunokonzeresa mutemo shamwari kuchengetedza mitemo; kugarisana hakuiti. Hapana "wanano yemutemo wakajairwa": vagari vese vanofanirwa kuronga kodzero nechibvumirano (kazhinji kuburikidza nechibvumirano chekugara pamwe chete) uye, pazvinofanirwa, nechido.
- Vakaroorana/vakanyoresa vadiwa: Mutemo wekuchengetedza shamwari unoshanda; mari inogona kubvumirana nemurevereri, gweta, kana civil-law notary.
- Vagari vese vasina kuroora (hapana chibvumirano): Hapana otomatiki kodzero yekutsigira shamwari, kugovana penjeni, kana nhaka.
- Vasina kuroora nechibvumirano chekugara pamwe chete: Mitemo yezvibvumirano inogona kutonga rubatsiro asi inopa dziviriro shoma pane yewanano.
- Kupedza hukama: Kurambana/kubviswa kwemubatanidzwa wakanyoreswa kunoenda nedare; kugara pamwe chete kazhinji kunopera nechibvumirano/chiziviso.
Danho 2. Rondedzera zvinangwa zvako uye kuratidzwa kwenjodzi (mubhadhari kana mugamuchiri)
Pamberi penhamba, sarudza kuti "budiriro" inotaridzika sei kwauri. Zvinangwa zvakajeka zvinobatsira gweta rako kuumba zano, kutaurirana nezvekutengeserana kwakakodzera, uye kunyora mazwi anomira. Kunyangwe iwe uchibhadhara kana kugamuchira rutsigiro, apa ndipo pane rubatsiro rwemutemo akamony inodzivirira kushamisika kusingafadzi nekuenzanisa zvinotarisirwa nemitemo yeDutch pamusoro pekukosha kwekuchengeta mwana, indexation, uye nguva.
- Kana iwe uri mubhadhari: Tsanangura kukwanisa uye miganhu yekuyerera kwemari, remekedza zvakakosha zvemwana, tarisa nguva iri pamutemo, ronga mari inosiyana, uye sarudza maitiro (kutaurirana/kuyananisa/dare) anodzora mutengo nenjodzi.
- Kana uriwe mugamuchiri: Ongorora zvinodikanwa zvinodiwa (bhajeti), ongorora zvirongwa zvebasa uye nguva, funga nezvemutero / mabhenefiti, uye yakachengeteka nzira dzekuchengetedza kana mubhadharo ukapotswa.
Danho 3. Unganidza uye kuronga chokwadi chemari
Kugadzirisa kwemudiwa kwakaringana kunoenderana nechokwadi, kwete kufungidzira. Kuwana rubatsiro rwemutemo nearimony uye dzivirira zvinokatyamadza zvisingafadzi, unganidza imwechete, yemazuva ano humbowo paki inoratidza mari, mari yekugara inonzwisisika, rutsigiro rwuripo, uye kugona kubhadhara. Izvi zvinomhanyisa kuyananisira, zvinorodza nhaurirano, uye-kana zvichidikanwa-zvinobatsira dare kuona kuti nhamba dzenyu dzakakwana uye dzinoonekwa.
- Mari: Ichangoburwa payslips, zvirevo zvegore, mabhonasi/makomisheni, uye chero mabhenefiti kana mvumo.
- Mari yekuzvishandira: Yekupedzisira mutero inodzosa, purofiti & kurasikirwa, uye chinyorwa chipfupi chinotsanangura mari inosiyana.
- Rutsigiro rwuripo: Humbowo hwechero mwana kana shamwari yekuchengeta yaunobhadhara/yaunogamuchira.
- Mari yedzimba: Rendi/mortgage, mari yebasa, simba, mutero wekanzuru.
- Utano uye inishuwarenzi: Inishuwarenzi yehutano premium uye mamwe mainishuwarenzi anosungirwa.
- Mari yemwana: Mainvoice ekuchengeta vana, mari yechikoro, zviitiko, zvinodiwa zvakakosha.
- Zvikwereti uye zvinhu: Chirevo chechikwereti, kudzoreredza kushoma, kuchengetedza / mainvestimenti uye liquidity.
Danho 4. Sarudza kuchengetwa kwemwana kutanga
Kuti udzivise zvinokatyamadza zvisingafadzi, wana kujekerwa pakuchengeta mwana usati wataura nezvekuchengeta shamwari. Zvido zvevana zvinotungamirira bhajeti remhuri uye zvinokanganisa zvakananga zvose zviri zviviri “zvinodiwa” (mugamuchiri) uye “kukwanisa kubhadhara” (mubhadhari). Bata iyi sembiru yako yekutanga yemari: kana rubatsiro rwemwana rwaiswa pamepu, unogona kuenzanisira kamuri rechokwadi rekuchengetedza shamwari.
- Hurongwa hwekuchengeta mepu: Cherechedza mararamiro emwana mumwe nomumwe; inokanganisa mari uye kubuda kwemari.
- Unganidza mari yemwana: Kuchengeta vana, chikoro, hutano, mabasa, uye chero zvakakosha zvinodiwa.
- Sanganisira mabhenefiti/allowances: Nyora zvikomborero zvipi nezvipi zvine chokuita nemwana zvinobvisa mari inoshandiswa.
- Bvumiranai mari yacho nemazvo: Shandisa murevereri, gweta, kana civil-law notary kunyora mazwi.
- Gadzira bhajeti: Ratidza mari yakabvumiranwa yekuchengeta mwana mubhajeti remativi ese musati maitwa hurukuro dzekutsigirana.
Danho 5. Dzidza kuti matare eDutch anoverenga sei kuchengetedzwa kweshamwari
Matare anotevera pfungwa inoshanda: tanga wachengetedza vana, wozodzikamisa “chinodiwa” chemugamuchiri pane “kugona kubhadhara” kwomubhadhari. Chinodiwa bhajeti repamba rinoyerwa zvichienderana nemararamiro, ukuwo kugona kubhadhara kunotanga kubva pamari inobatika uye kunobvisa mari inodiwa uye nekuchengeta mwana kwakabvumiranwa. Vatongi vanotarisa nhamba dzakakwana, dzinoenderana dzinotsigirwa nemagwaro. Kupa nyaya yako nenzira iyi kwakakosha rubatsiro rwemutemo akamony kudzivisa kushamisika kusingafadzi.
- Ratidza mari Shandisa payslips, zvirevo zvegore, mutero unodzoka; tsanangura mabhonasi uye mubhadharo wakasiyana neavhareji yemakore akawanda.
- Ratidza mabhajeti chaiwo: Imwe yebato rega rega, inovhara imba, hutano, uye mari ine chekuita nemwana.
- Isa pamberi pevana: Bvisa mari yekuchengeta mwana usati waita modelling room yekutsigira shamwari.
- Mureza mabhenefiti/allowances: Batanidza kuti vanodzikisa sei kana kubhadhara mari chaiyo kuti nhamba dzirambe dzichivimbika.
Nhanho 6. Tarisa mitemo yenguva uye kana kutsigirwa kunopera
Kutora nguva ndiko kudhura kwako. Kubva 2020, mutemo wakajairika ndewekuti kuchengetedza kwemudiwa kunotora hafu yehurefu hwemuchato, wakavharirwa pamakore mashanu. Somuenzaniso, roorano yamakore matatu nemwedzi miviri inobereka rinenge gore nemwedzi mitanhatu yokuchengeta; makore gumi nerimwe anobereka makore mashanu. Vagari vose havana kodzero yeautomatic. Munokwanisa kuita gadziriro dzekuchengetedza pamwe chete - kazhinji nemurevereri, gweta, kana gweta remutemo - saka gadzirisa nguva yenguva zvakajeka kuti uwane rubatsiro rwemutemo nezve alimony uye kudzivirira zvisingafadzi zvinoshamisa.
- Taura izwi rokuti: Rekodha zuva rekutanga uye zuva rekupedzisira yekuchengeta shamwari muchibvumirano chako kana dare redzimhosva.
- Ronga wongororo: Bvumiranai pamunozoongorora zvakare manhamba (semuenzaniso, pagore) uye nzira yekuzviita (taurirana/kuyananisira pamberi pedare).
- Iva anowirirana: Gadzirisa izwi nehurongwa hune chekuita nevana kuitira kuti mabhajeti arambe ari echokwadi panguva yese yekuchengeta.
Danho 7. Sarudza maitiro ako: kutaurirana, kuyananisira, kana dare
Sarudzo yemaitiro inosarudza mutengo, kukurumidza, kutonga, uye kuita. Rubatsiro rwemutemo nearimony kudzivirira zvisingafadzi zvinoshamisa zvinotanga nekufananidza foramu kune yako gakava pamwero - uye kurekodha chero chibvumirano nemuyananisi, gweta, kana civil-law notary.
- Kukurukurirana (nemagweta): Inoshanda kana chokwadi chiri pachena; fast, private; gadzirisa mazwi uye uite kuti anyorwe, zvakanaka kuburikidza neanotaridzi.
- Mediation: Imwe isina kwayakarerekera inokubatsira kusvika pachibvumirano chinoshanda, chinonangana nemwana nemutengo wakaderera; chibvumirano chinogona kuitwa kuti chishande.
- Dare: Nekuda kwekumira kana kukurumidza mirairo; yakarongeka, inononoka, uye inodhura-asi inopa mutongo unosunga.
Danho 8. Nyora mazwi akajeka anodzivirira kusawirirana gare gare
Kusajeka kunokonzera kukakavara. MuNetherlands, iwe unowanzo kubvumirana kuchengetedza mudiwa nemurevereri, gweta, kana gweta remutemo. Kuti uwane rubatsiro rwemutemo nezve alimony uye kudzivirira zvisingafadzi zvisingafadzi, nyora mazwi akananga, anoyerika, uye ari nyore kubata. Nyatsoburitsa ma mechanics zvino; uchachengetedza mwedzi yekunetsana gare gare.
- Payment specifications: Nhamba, zuva rekutanga, zuva rekufanirwa, frequency, uye account yekubhangi.
- Nguva uye indexation: Taura zuva rekupedzisira uye kana mutemo indexation zvinoshanda.
- Kurongeka kwemwana wekutanga: Kudyidzana nekuchengetedza mwana; tsanangura zvinokonzeresa kuongororwa.
- Shandura protocol: Uchapupu, chiziviso, uye kuyananisira-yekutanga gakava nzira.
Nhanho 9. Ronga mitero, mabhenefiti, uye kubuda kwemari
Kunyangwe mari yakanyatso kutaurirana inogona kukundikana mukuita kana ukasaronga mafambiro emari. Tsigiro inoshandura mapikicha emari uye inogona kukanganisa mabhenefiti kana mvumo. Indexation inogona kusimudza huwandu gore rega rega. Vaka chirongwa chakareruka, chechokwadi chekubhadhara ikozvino-apa ndipo panobhadharwa rubatsiro rwemutemo nearimony kudzivirira zvisingafadzi zvinoshamisa.
- Model the net effect: Project 12-24 mwedzi inosanganisira kutsigirwa kwevana, rutsigiro rweshamwari, uye inotarisirwa indexation.
- Tie kubhadhara kuwana mari: Sarudza zuva rekubhadhara rinoenderana nemari yemuhoro kudzivirira kunonoka muripo.
- Dzivirira mabhenefiti / mvumo: Tarisazve kodzero kana mari kana rutsigiro rwachinja; gadziridza zviremera nekukasira.
- Gadzira buffer: Bata 1-3 mwedzi yekubhadhara uchichengetera kuvhunduka.
- Pre-sign wongororo: Iva nemurevereri / gweta uye nyanzvi yemitero - tarisa manhamba uye fungidziro.
Nhanho 10. Kuvaka mukushanduka kwekuchinja kwemamiriro ezvinhu
Kuchinja kwemabasa, utano, pekugara, uye kuchengetwa kwevana. Kuti uwane rubatsiro rwemutemo nezve alimony uye kudzivirira zvinoshamisa zvisingafadzi, nyora kuchinjika muchibvumirano chako-chakanyorwa nemuyananisi, gweta, kana mutemo wemutemo-saka gadziridzo dzinogoneka, kunyorwa, uye kumwana-kutanga, pane kurwira hondo. Rondedzera rinhi uye sei a ongorora zvinoitika.
- Ongorora mahwindo uye chiziviso: Cheki yegore, chiziviso chakanyorwa, humbowo.
- Nzira yekuwana mari yakasiyana-siyana: Avhareji/bhonasi nguva; simple cap–floor.
- Kuchinjana kwemapepa kwepagore: Payslips, zvinyorwa zvegore, mari yemwana.
Danho 11. Rongedza alimony nekupatsanurwa kwemidziyo uye penjeni
Alimony haigari muvhu. Kugovaniswa kwezvivakwa nepenjeni ndiko kunotaridza kusakwana kwemari iko zvino uye kuchengetedzeka gare gare. Kune vakaroorana/vakanyoresa vadikani izvi zvinogadziriswa pamwe chete nekuchengetedza; vanogara pamwe chete vanoda mashoko akajeka akanyorwa. Rekodha pasuru yese nemuyananisi, gweta, kana civil-law notary - iyi yakakosha yemutemo rubatsiro nealumony kudzivirira zvisingafadzi zvinoshamisa.
- Gadzirisa rutsigiro nedzimba: Batanidza mazuva ekutenga-kunze/kutengesa kune kuyerera kwemari uye chero rutsigiro rwechinguvana.
- Iva akangwarira kuchinjanisa mari yerutsigiro: Gadzirisa mazuva ekukosha uye hutsanana-tarisa mutero / mabhenefits kutanga.
- Pension: Taura mabatirwo anoitwa zvishuwo kana kugadziriswa; vanogara pamwe chete vanofanira kuronga izvi nekunyora.
Nhanho 12. Chengetedza kubhadhara uye kuderedza njodzi
Zvibvumirano zvakanaka zvinokundikana kana kubhadhara kusingatarisike. Kuti uwane rubatsiro rwemutemo nezve alimony uye kudzivirira zvisingafadzi zvinoshamisa, shandura mazwi ako kuita akajeka, anoteedzera mari inoyerera uye uirekodhe nemazvo. MuNetherlands, zvibvumirano pamusoro pekuchengetedza zvinowanzoitwa nemuyananisi, gweta, kana civil-law notary-shandisa iyo marongero kugadzirisa ma mechanics ekubhadhara uye nzira yako yekutaurirana kune hiccups.
- Rekodha nemazvo: Saina kuburikidza nemurevereri/gweta/notary; state IBAN, zuva rekufanirwa, frequency.
- Automate uye tevera: Isa hurongwa hwekumira, referensi yakagadziriswa, uye chengeta zvisimbiso.
- Batanidza nemari Sarudza zuva rakakodzera mushure mekupinda muhoro.
- Chengetedza mapepa: Chengetedza zviratidzo; kuchinjanisa mari yegore negore yekubhadhara uye mari yevana.
Nhanho 13. Gadzirira kuteedzera uye kutevedzera
Kuteerera ndiko uko zvibvumirano zvakanaka zvinobudirira. Sarudza izvozvi kuti uchaongorora sei, kunyora, uye kuwedzera nyaya kuti hiccups dzisaite nharo. Kana mubhadharo ukapera kana zvitemo zvikasateedzerwa, shandisa nzira yakanyorwa: chiziviso chakanyorwa, kuyananisira, ipapo dare kuti ritevedzwe. Yakasimba marekodhi ekumhanya kugadzirisa-apa ndipo chaipo apo rubatsiro rwemutemo nearimony runodzivirira zvisingafadzi zvinoshamisa.
- Chengetedza humbowo: Zvisimbiso zvebhangi, mareferensi ekubhadhara akatarwa, kunyoreswa kwezuva.
- Shandisa indexation: Gadzirisa gore negore kana zvichiita uye simbisa huwandu hutsva.
- Shandisa chiziviso-uye-kurapa: Tumira chiyeuchidzo chakanyorwa chine zuva rekupedzisira rakajeka; wobva wareverera.
- Ita kuti zvishande: Ita kuti chibvumirano chako chishande kuburikidza nemurevereri wako / gweta / notary; dzivisa kuzvibvisa-kubhadhara sezvakabvumiranwa.
Danho 14. Ziva nguva yekuwana rubatsiro rwepamutemo-uye zvekuunza
Kana masiteki kana kuomarara kuchikwira, chikanganiso chidiki chinogona kuita snowball. Tsvaka rubatsiro rwemutemo nearimony kare-kana mari inosiyana kana yekuzvishandira, iwe uri kunze kana kuyambuka muganhu, wakagarisana pasina kuroorana, kana iwe unoda chibvumirano chinogoneka kana kuteedzera. MuNetherlands, mazwi ekugadzirisa anowanzo kurongwa nemuyananisi, gweta, kana gweta remutemo-kudzivisa kushamisika kusingafadzi.
- ID uye chiratidzo chehukama
- Mari: payslips, year statement, tax return
- Dzimba, inishuwarenzi, mari yemwana
- Benefits, zvikwereti, assets pfupiso
- Nguva, zvinangwa, uye mibvunzo yakakosha
Matanho anotevera
Iwe zvino wava negwara rinoshanda rekudzivirira zvinoshamisa: tsvaga mutemo unoshanda, isa vana pamberi, shandisa humbowo-hwakarongwa, bvumirana mazwi akajeka, uye kuvaka kuchinjika uye kuteedzera muchirongwa chako. Famba nekukasira kubva pakusavimbika uchienda kujekerere nekushandura nhanho idzi kuita zviito zvinobatika zvaunogona kupedza svondo rino.
- Gadza zvinangwa: Tsanangura zvinangwa zvako uye miganhu yenjodzi (mubhadhari/ mugamuchiri).
- Unganidza chokwadi: Vaka yako humbowo paki (mari, bhajeti, mari yemwana).
- Zvibereko zvemuenzaniso: Gadzirisa kuchengetwa kwemwana, wobva waverenga kuchengetwa kwemudiwa uye nguva.
- Sarudza forum yako: Sarudza nhaurirano, kuyananisira, kana dare—uye nguva chaiyoiyo.
- Nyora zvakanaka: Dhizaini inotemerwa mazwi ane indexation, ongororo zvinokonzeresa, uye mubhadharo mechanics.
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