รูรั่วทางการเงิน ที่อาจทำให้ครอบครัวล้มทั้งยืนได้

สาเหตุหนึ่งสำหรับการดำเนินชีวิตคู่อย่างสุขสบาย คงจะไม่สามารถที่จะปฏิเสธได้ว่าเรื่อง “เงิน” เป็นเรื่องจำเป็น ด้วยเหตุว่าถ้าหากการคลัง luciabet มีปัญหา มีหนี้จำนวนมากก็ชอบมีปัญหาหลายๆประการตามมา รวมทั้งแม้ปลดปล่อยให้ปัญหานี้แย่ลงกว่าเดิมในที่สุดก็กำลังจะถึงวันที่จำต้องแยกทางได้ในอนาคต ถ้าหากพวกเราศึกษา “รูรั่วทางด้านการเงิน” ได้ก่อนสาย ปัญหาเรื่องการเงิน ของครอบครัวก็น่าจะเป็นเรื่องที่จัดแจงได้อย่างง่ายๆ ไม่มีเงินเก็บด

1. รูรั่วจากค่ารักษาของสมาชิกทุกท่านในบ้าน ข้อนี้ในทุกครอบครัวชอบกำเนิดปัญหาถ้าหากคนที่อาศัยอยู่ในครอบครัวกำเนิดป่วยหรือเป็นโรครุนแรงแล้วก็จะต้องจ่ายค่าหมอเอง บางครอบครัวจำต้องหมดเงินเป็นแสนเป็นล้าน ซึ่งถ้าเกิดว่าไม่มีการเตรียมตัวประเด็นนี้อย่างยอดเยี่ยม ก็อาจจะเป็นไปได้ว่าจะมีผลก่อให้เกิดวิกฤตการณ์ด้านการเงินกับครอบครัวได้

2. รูรั่วจากการลงทุนในสิ่งที่พวกเราไม่เคยรู้จริง ชอบเกิดขึ้นตามกระแสสังคม ยกตัวอย่างเช่น ตอนนั้นอะไรได้รับความนิยมๆก็จะเฮโลไปลงทุนกัน หรือตอนที่ตลาดค้าหุ้น luciabet ขึ้นสูงๆก็มีการแห่ชักชวนกันไปเปิดพอร์ต โดยไม่เล่าเรียนข้อมูล ในที่สุดก็เปลี่ยนเป็นแมงเม่า ขาดทุนจากการขาดวิชาความรู้ที่จริงจริงก่อนจะมีการตกลงใจ

3. รูรั่วด้านการเงินจากการใช้จ่ายที่สุรุ่ยสุร่ายเกินความสามารถ ข้อนี้จะกำเนิดกับผู้ที่ไม่ค่อยทำบัญชีรายได้รายการจ่าย หรือชอบมีสาเหตุมาจากการมีเงินในบัญชีไม่น้อยเลยทีเดียวไม่มีทางเป็นไปได้ ต้องหาสิ่งที่อยากได้มาตอบสนองความสบาย หรือยอมมิได้ถ้าเกิดเพื่อนฝูงๆมี พวกเราก็ควรจะมี อย่างนี้ก็ชอบขาดเงินเก็บแล้วก็มีปัญหาทางด้านการเงินตามมา

4. รูรั่วทางด้านการเงินจากการไม่บริหารหนี้ ข้อนี้ให้ความใส่ใจกับหนี้นอกระบบ หรือ หนี้บัตรเครดิตที่คิดดอกเบี้ยสูงๆก่อน ซึ่งถ้าเกิดพวกเราไม่จัดแจงให้ดี อย่างเช่น จ่ายแม้กระนั้นอย่างต่ำไปเรื่อยหนี้สินบางทีอาจจะเพิ่มเป็นสองเท่าได้ คนติดหนี้ติดสินชนิดนี้มีต้นเหตุมาจากการที่มีรายการจ่ายเกินความสามารถ จนมากกว่ารายได้ ก็เลยจำต้องใช้แนวทางยืมเงินคนอื่นๆ กรณีเป็นหนี้เป็นสินบ้าน หนี้สินรถยนต์ ควรจะทดลองตรวจทานมองว่าสามารถรีไฟแนนซ์ได้หรือเปล่า เพื่อสามารถลดดอกได้ในอนาคต

5. รูรั่วทางด้านการเงินจากการไปรับประกันให้บุคคลอื่นที่ไม่น่าไว้วางใจ กรณีนี้บางทีก็อาจจะไม่เกิดขึ้นบ่อยมากนัก แต่ว่าควรจะเพิ่มความระวัง เพราะเหตุว่าเคยเกิดขึ้นหลายต่อบ่อยมากที่ผู้ค้ำประกันจะต้องรับใช้หนี้สินแทนให้กับผู้กู้ ด้วยเหตุผลดังกล่าวก่อนที่จะพวกเราจะไปรับรองการยืมซื้อบ้าน ซื้อรถยนต์อะไรให้ผู้ใดกันแน่จะต้องสำรวจให้เชื่อมั่นซะก่อน

6. รูรั่วด้านการเงินจากการต่อว่าดพนัน ประเด็นนี้เกิดเรื่องใกล้ตัวเราสูงที่สุด ตั้งแต่แบบถูกกฏหมาย ยกตัวอย่างเช่น การซื้อหวย บางบุคคลซื้อมากเพราะว่าหวังจะถูกรางวัลใหญ่ ซึ่งจังหวะน้อยมากที่กำลังจะได้ บางบุคคลก็เลือกซื้อหวย หรือบางบุคคลแอบไปเล่นแทงบอลกับเจ้ามือไม่มีอารยธรรม กลุ่มนี้ล้วนเกิดขึ้นกับคนที่อยู่รอบข้างพวกเราและก็เกิดเรื่องที่ควบคุมทุกข์ยากลำบาก

7. รูรั่วด้านการเงินจากการที่พวกเราใจดีเกินความจำเป็น อาจจะก่อให้พวกเราเสียเงินเสียทองไปแบบง่ายๆยกตัวอย่างเช่น การให้ผู้อื่นขอยืมเงิน และก็ในที่สุดก็มิได้คืน ข้อนี้จะต้องไตร่ตรองตรองให้ดีซะก่อน

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