Zamkatimu
Mtengo wobala
Pagulu: zonse zimabwezeredwa (kupatula zowonjezera zochepa, TV, ndi zina).
M'chipatala chaboma, ndalama zonse zokhudzana ndi kubereka (chilichonse cha dokotala wama gynecologist ndi anesthesiologist, epidural, chipinda choperekera), komanso zokhudzana ndi kukhala kwanu (kutsika kwatsiku ndi tsiku) zimachotsedwa. 100% yoperekedwa ndi Medicarempaka masiku 12 mwana wanu atabadwa. Simudzafunsidwa kuti mutenge nawo ndalamazo, zomwe zidzabwezeredwa mwachindunji ku malo omwe mudzaberekera. Mitengo ya chitonthozo, monga televizioni kapena telefoni, imakhalabe pamtengo wanu, ngati mwapempha. Momwemonso, chipinda chapayekha chikhozanso kulipiritsidwa m'zipatala zina. Fufuzani ndi zanu. Ena amaperekadi chithandizo pamtengo wamtunduwu.
Pachipatala chachinsinsi ndi mgwirizano: chenjerani ndi chindapusa
Monga momwe zimakhalira m'magulu a anthu, ndalama zoberekera ndi malo ogona zimabwezeredwa mokwanira ku chipatala kapena kuchipatala chapadera chovomerezedwa ndi Social Security. Koma m'chipatala cha amayi otere, madokotala (olera ndi ogonetsa) nthawi zambiri amalipira ndalama zochulukirapo. Kutengera kuyanjana kwanu, izi zidzakhala kapena sizingakhale udindo wanu. Apanso, muli ndi udindo pamitengo yachitonthozo (chipinda chayekha, bedi lotsagana, wailesi yakanema, telefoni, chakudya chotsagana, etc.). Kudziwa: malinga ndi kafukufuku yemwe adachitika mu 2011 ndi comparator ya pa intaneti Mutuelle.com, ndalama zochulukirapo za akatswiri azachikazi ndi azachipatala zimasiyana kwambiri kuchokera ku dipatimenti ina kupita kwina. Zodetsa nkhawa kwambiri Ile-de-France, Kumpoto, Ain, ndi Alpes-Maritimes. Paris ali ndi mbiri.
Pachipatala chachinsinsi popanda mgwirizano: ndalama zosinthika
Kusankha kukabeleka m'chipatala cha amayi oyembekezera popanda mgwirizano kulinso kupanga chisankho cha kubala kwamtengo wapatali kwambiri. M'malo awa, nthawi zambiri amakhala owoneka bwino komanso apamwamba kwambiri, ntchito zake zimakhala ngati hotelo. Mtengo wokhala, chitonthozo ndi ndalama zochulukirapo zimatha kukwera mwachangu kwambiri ndikufikira ndalama zochulukirapo. Kuphatikiza apo, mudzafunsidwa kupititsa patsogolo ndalama zonse. Izi zidzabwezeredwa pang'ono kwa inu, mpaka pamtengo woyambira, ndi Inshuwaransi ya Zaumoyo (m'masiku atatu otumizirana mauthenga ndi khadi lofunikira). Apanso, funsani ndi wothandizira zaumoyo wanu kuti mudziwe zomwe angakulipireni.
Kuberekera kunyumba: mtengo wosagonja
Kubadwa kunyumba mosakayikira ndikotsika mtengo kwambiri. SNgati mwasankha kuberekera mwana kunyumba, mothandizidwa ndi mzamba, malipiro ake adzaperekedwa ndi Social Security. mpaka ma euro 349,70 kuti mutumize mosavuta. Ngati chindapusa chomalizacho chikuchulukirachulukira ndipo muli ndi mgwirizano wabwino, fufuzani zomwe zingakulipire. Pomaliza, ngati kuli kofunikira, mzamba angasankhe kuti mugoneke m’chipatala. Nthawi zambiri amakhala atapanganatu mgwirizano ndi chipatala cha amayi oyembekezera chapafupi. Thandizo lanu lidzatengera momwe malo omwe mwasankhidwa (agulu, ovomerezeka kapena ayi).
Kubadwa kwawo kuli pangozi?
Anamwino omwe amabereka mwanjira imeneyi ayenera kukhala ndi inshuwaransi, koma mtengo wa inshuwaransi ndi wokwera kwambiri kotero mpaka pamenepo azamba ambiri sanatenge inshuwaransi ndi chitetezo cha anthu kubwezeredwa popanda kuyang'ana. Kuyambira m’chaka cha 2013, azamba akhala akufunika kupereka chikalata cha inshuwalansi ku Bungwe Loona za Ufulu wa Ana. Choncho, ambiri a iwo asiya kuberekera kunyumba. Ena ankakonda kukweza mitengo yawo.