Apo iwe unofunga nezvekudhakwa kwepamusha , kazhinji chinhu chekutanga chinouya mupfungwa ndechekutukwa nemashoko uye kushungurudzwa. Asi kutsvakurudza kunoratidza kuti kushungurudzwa kwemari kunowanzoitika nguva dzose muhukama hwakashata sevamwe maitiro ekutsvaga. Kutaura zvazviri, chidzidzo cheCenters for Financial Security chakawana kuti 99 muzana yemhirizhonga mudzimba inosanganisira kushandiswa mune zvemari.
Uyezve, kushandiswa mune zvemari inowanzova chiratidzo chekutanga chechisimba chokudanana uye kushandiswa kwemhuri. Nokudaro, kuziva nzira yekuona kushungurudzwa kwemari kunokosha kukuchengetedza kwako nekuchengeteka.
Kunyatsoongorora Kunyadziswa Kwemari
Kunyadziswa kwezvemari kunosanganisira kudzora kukanganisa kweanotambura, kushandisa uye kuchengetedza mari. Somugumisiro, avo avo vanotambudzwa mune zvemari vangadziviswa kusashanda. Vanogonawo kunge vane mari yavo inoregererwa kana kubiwa nevanoshungurudza. Uye kazhinji havave nekuwana zvakakwana mari nemamwe mashizha. Apo vane mari, vanowanzotarisirwa kubhadhara mari imwe neimwe yavanopedza.
Pasi pose, maitiro ekushungurudzwa kwemari akasiyana kubva mumamiriro ezvinhu. Dzimwe nguva munhu anoshungurudza angashandisa mazano asinganzwisisiki sekunyengedza apo vamwe vanodzvinyirira vangave vakawandisa, vachida uye vachivhundutsa. Pakupedzisira, chinangwa chiri nguva imwe chete-kuwana simba uye kutonga muhukama.
Kunyange zvazvo zvisingawanzwisisiki kunzwisiswa kupfuura mamwe maitiro ekudzvinyirira, kushandiswa kwemari ndeimwe yenzira dzakasimba dzekuchengetedza akabatwa akabatanidzwa muukama hunoshungurudza. Kutsvakurudza kunoratidza kuti avo vanowanzotarisa vane hanya zvikuru nekwanisi yavo yekupa mari ivo pachavo nevana vavo kugumisa ukama.
Kunyanya, kusachengeteka kwemari ndeimwe yepamusoro zvikonzero vakadzi vanodzokera kumumwe munhu ane utsinye.
The Impact of Financial Abuse
Migumisiro yekushungurudzwa kwemari inowanzoparadza. Kunze kwekuti avo vanowanzotanga kunzwa vasingakwanisi uye vasina chokwadi pachavo nekuda kwekushungurudzwa kwepfungwa kunowanzoenda nekushungurudzwa kwemari, ivo vanowanzofanira kuita vasina kudya uye zvimwe zvinodiwa nekuti havana mari.
Mune nguva shomanana, kushandiswa mune zvemari kunowanzosiya avo vanotambura kukuvadzwa mumuviri uye chisimba. Pasina kuwana mari, makadhi emakadhi uye mamwe mari yezvemari zvakaoma zvikuru kuita chero rudzi rwekuchengetedzwa kwehutano. Somuenzaniso, kana munhu anomanikidza aine chisimba uye munhu anenge achinetseka anofanira kusiya kuti agare akachengeteka, izvi zvinonyanya kuoma pasina mari kana kadhi rechikwereti. Uye kana iye achida kusiya ukama zvachose, zvakaoma zvikuru kuti tisawana chete zvakachengeteka uye dzimba dzisingakwanisi, asiwo zvakaoma kugovera zvaanoda zvinokosha sekupfeka uye kutakura.
Kune avo vanogona kupukunyuka mamiriro ezvinhu akaipa, vanowanzotarisana nematambudziko akakomba mukuwana dzimba dzenguva refu, kuchengeteka nekuchengeteka. Izvo zvisingasviki kune stellar basa rekodhi, kuparadzwa kwekodzero yemabhuku, uye nyaya dzepamutemo dzinokonzerwa nokushungurudzwa kwemari, zvakaoma chaizvo kutanga rusununguko nekuchengeteka kwenguva refu.
Mazano Anoshandiswa Mukushungurudza Kwemari
Kakawanda, kushandiswa kwezvemari kunonyanya kurega nokuti avo vanowanzowanzova mari vanovimba nevanovhiringidza. Nokudaro, izvi zvinotarisirwa mune zvemari zvinosunga munhu anenge ari muhukama. Pasina pfuma, vazhinji vakaurayiwa havakwanisi kuona nzira yekubuda mumamiriro avo ezvinhu. Somugumisiro, zvakakosha zvakanyanya kuti kushandiswa kwemari kwekushandisa mari kunzwisiswe nguva pfupi isati yasvika.
Kutevera ndeyekupfupisa kwekushungurudzwa kwemari. Vamwe vanoshungurudza vangashandisa zvose izvi mazano apo vamwe vachashandisa chete kana maviri chete. Chero nzira, ingave munhu anomanikidza anoshandisa imwe yemaitiro aya kana kuti ose, iyo ichiri kushandiswa kwemari.
Kushandisa zvinhu zvako: Izvi zvinoitika kana munhu anofambidzana naye kana mudzimai wako achishandisa kana kutarisira mari yawakagamuchira kana kuti yakachengetedzwa. Mimwe mienzaniso yekushandiswa uku inosanganisira:
- Kuedza kudzora kushandiswa kwako kana kuwana mari mari yawakagamuchira kana kuchengetedza
- Kushandisa nhumbi dzako nokuda kwebatsiro rake pasina kubvunza
- Kutora mari kana kushandisa makadhi emakadhi pasina mvumo
- Kukwereta mari kana kutora mhosva pasina kubhadhara
- Kunzwa kodzero yemari yako kana zvinhu
- Inokumbira kuti iwe udzore mari yako yekubhadhara, mapepasi uye makadhi emakadhi
- Anotarisira kuti iwe ubhadhara zvikwereti zvake kana zvaanosungirwa
- Kushandisa zvipo zvekubatsira nebhajheji yako kana mari yekusarudza sechivigiro chekuwana simba pamusoro pemari yako
- Anokumbira kuti iwe uende naye kunze kwemamiriro ezvinhu akaoma emari
- Kutora mubhadharo wako kana zvimwe zvekuwana mari
- Kupindira kana kuzarura zvikwereti zvebhangi rako uye mamwe marenda emari
Kufambidzana nebasa rako: Izvi zvinoitika apo unofambidzana naye kana mudzimai wako anoedza kudzora mano ako ekuwana mari kana kuwana pfuma. Mimwe mienzaniso yekupindira kwebasa inosanganisira:
- Kutsiura uye kuderedza basa rako kana kusarudza basa
- Kukumanikidza kurega basa rako dzimwe nguva kunyange kushandisa vana sechikonzero
- Kukuudza iwe paunogona uye usingakwanisi kushanda
- Kubvisa kana kusaremekedza mabasa ako emabasa
- Kukuvhiringidza pabasa nekushevedza, kutumira mameseji, kana kumira
- Kukudzivirira kubva pakushanda nekuvanza makiyi ako, kusunungura motokari yako yemotokari, kutora motokari yako pasina mvumo, kana kupa kune mwana uye kwete kuratidza
Kudzora zvinhu zvakagoverwa nezvinhu uye zvishandiso: Izvi zvinoitika kana munhu anofambidzana naye kana mudzimai wako ane kodzero yakakwana yekuita mari muhukama uye uyo anenge achinetswa ane zvishoma kana kusina kuwana zvaanoda. Mimwe mienzaniso inosanganisira:
- Kururamisa kusarudzwa kwemari yese iwe unoita uye kuderedza rusununguko rwako kuronga kana kubhadhara semugumisiro
- Kuita zvisarudzo zvemari zvakakura kunze kwekuita kwako; asingadi kubatana pamari
- Kuvanza kana kutora mari uye kuisa muga ega yega
- Anokusimbisa kuti iwe ugoverane nemari yako asi unoramba kugovana naye
- Kudzora "chikwama chechikwama" kana kuisa miganhu isingakwanisi kana zvipo zvako
- Ichikukumbira kuti uenzanise mari imwe neimwe yaunopedza (ingatove yakakumbira maresi uye kuchinja)
- Kuva nemitemo miviri kana iri pamusoro pokushandisa (anogona kushandisa mari pane varaidzo, kudya uye zvipfeko asi anokutsoropodza iwe paunenge uchitenga zvimwechetezvo)
- Kuchengetedza ruzivo rwezvemari yakadai sepasipoti mabhuku, nhamba dzebhuku, ruzivo rwekutsinhanisa nekudaro
- Kudzikisa ruzivo rwako rwemari yako yose yemari yemufananidzo semurume nemudzimai
- Kubvisa mari kwauri uye / kana kukukumbira kuti ubvunze mari
- Kumbira kuti iwe unokumbira mvumo usati waita mari asi kwete kukubvunza iwe paanozvitenga
- Zvinoda kuti iyo huru, pamwe chete inotenga ive muzita rake chete (zvakadai sezvikwereti zvemotokari, mari yekuchengetera mari, mafoni kana kuti mapurisa ehurumende)
- Kukumanikidza kuti usayine magwaro emari asina tsanangudzo
- Kuita zvinopisa kukuchera kubva mune zvemari kana iwe usingabvumirani
- Kutsamwa pamusoro pemari uye nekuita mune mamwe maitiro ekudzvinyirira sezita-kudana kana zvechisimba
Shoko Rinobva
Kana iwe unofungidzira kuti mumwe wako kana mudzimai wako ane mari mari, taura nemurevereri, mupi wezano kana mufudzi pakarepo. Kudzvinyirirwa mune zvemari hakusi chinhu chinowedzera zviri nani nenguva. Muzvokwadi, inowanzowedzera nekufamba kwenguva uye inogona kutungamirira kune mamwe marudzi ekutsvaga. Kana iwe usina mupiki kana mufundisi anogona kubatsira, iwe unogonawo kutaura neNational Domestic Violence Hotline pa 1-800-799-SAFE. Chinokosha ndechokutarisa kushandiswa kwemari pakarepo.
> Sources:
> Adams, AE. "Kuyera Migumisiro Yechisimba Chemukati pamusoro peMari yeVheche yeHove- Kuva," Center for Financial Security, May 17, 2011. https://centerforfinancialsecurity.files.wordpress.com/2015/04/adams2011.pdf
> Howard, M uye Skipp, A. "Kusapindirana, Kutsekwa & Kutongwa: Zvakaitika zvevakadzi zvekushungurudzwa kwemari uye zvinogona kuitika kune Universal Credit." Women's Aid, 2014. https://www.tuc.org.uk/sites/default/files/UnequalTrappedControlled.pdf