Kodi tingapindule chiyani kulandira chosakwanira ndi osowa banja

A banja amapeza ndalama zochepa - m'banja limene pa munthu ndalama ndi zosakwana osachepera ang'onoang'ono. Mu gulu la anthu amene amapeza ndalama zochepa zambiri kugwa, ndi maphunziro ndi ntchito. Izi zimachitika nthawi zambiri pamene mwana amabwera mu banja. Ngati mu mzinda, bambo pa ntchito mukhoza kudyetsa mkazi wake ndi mwana m'chigawocho, m'mizinda ina mu miliyoni 10-13 malipiro akuti ndi mkulu. Zokwanira muchigawane mwa atatu, kumvetsa kuti mwana banja amazembera kupitirira mlingo ang'onoang'ono, limene kwa ndalama 2012, anthu pafupifupi 4,600 rubles, makamaka zaka 1.5, pamene kusiya kulipira phindu mwana. Komabe, mu gulu la banja amapeza ndalama zochepa mukhoza banja ndi ndalama weniweni, wozingidwa ndi ang'onoang'ono osachepera nthawi 5-10. Kodi? mfundo ndi yakuti kwa mawerengedwe a yothandiza akupita okha "woyera" malipiro, umene uli wofanana ndi osachepera ambiri. Choncho, ambiri mabanja amene amapeza ndalama zochepa ndi nyumba mtengo ndi tchuthi pachaka kunja.

Komabe, anthu zimavuta kuperekedwa kudzatunga ubwino mabanja ndalama zochepa, chifukwa sali choncho kwambiri, ndipo ambiri sali ofunika pa zolembalemba kuti silipita. Kuchuluka kwa ndalama ndi mtundu wa thandizo zimadalira dera. Tiyeni tione zimene angakhale ang'onoang'ono osauka. Ngati tikulankhula za banja ndi mwana wamng'ono, ndi woyenera kumasula chakudya kwa zaka 2, pamene mabanja wamba (kaya ndalama), Anabweretsa, monga chimanga ndi zakudya ufulu nkhani kwa chaka. Kachiwiri, ana osaposa zaka zitatu mankhwala akuchipatala ufulu kudalira dokotala (koma zoona zake n'zakuti pali nthawi zina pharmacies, ndipo dzuwa ndi poyerekeza a mtengo Anzawo yachilendo). Chachitatu, ana osaposera zaka zisanu ndi ziŵiri kulandira kumasula kuyenda pa mabasi ndi magalimoto. Madera Kulonga wa banja amapeza ndalama zochepa, kukhala m'nyumba, amafunika kulandira kuchotsera pa kugula malasha magetsi.

Ophunzira pa sukulu akhoza kulandira chakudya ufulu. A gulu osiyana - chithandizo ku mabanja ndi ana. Izo zimatengera dera okhala, ndipo m'badwo wa mwana. Makolo amene ana sizinawakhudze zaka 1.5, amadalira malipilo osachepera 750-800 rubles, chifukwa akukhulupirira kuti pa nthawi iyi mayi anga wolandira phindu umayi. Pambuyo chobwezera cha ubwino ndi kutsazikana, kuchuluka kumawonjezera kawiri. Akafike zaka zitatu ndi mwana, mkazi akhoza kupita ku ntchito ndi kutumiza mwana ku sukulu ya mkaka, malipiro kachiwiri yafupika yochepa. Mu mizinda ina, mabanja osauka kamodzi pamwezi kuonekeratu kuti 1 tikiti kwa mwana aliyense a masewera aja, zisudzo kapena zina zosangalatsa malo wachokera ku ofesi ya mzinda. Chifukwa china kwambiri - chipukutamisozi malipiro mkaka. Ndi 20% wa kuchuluka lolipiridwa mwana mmodzi, theka ndi ana awiri ndi 70% aliyense, ngati ana atatu kapena kuposa. Komanso, mabanja amene amapeza ndalama zochepa ndi ana oyenera kukhala malo ku sukulu ya mkaka pa ima pamzere ndi mokondera. Mwatsoka, mbiri chete zimene makolo ayenera kuchita chiyani ngati malo awa sanapeze iye zaka 3 zaka mwanayo.

A gulu osiyana - gawo amapeza ndalama zochepa banja, kungoti kuyika mayi. Kuwonjezera amapereka izi iwo ali oyenera angapo abwino kwambiri. Makamaka amayi amenewa bwana ayenera kulipira chodwala kusamalira mwana, sizinawakhudze lakhumi mu utumiki, ngati masiku matenda nthawi zosakwana 10, ndi 50% TH mlingo wa masiku 11 mpaka 15. Komanso, iwo sangakhoze moto kuchepetsa, komanso kuchita ntchito usiku popanda chilolezo awo. Chosakwanira mabanja amene amapeza ndalama zochepa ndi woyenera kulandira nyumba pa mawu mokondera.