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Ai nên là người quản lý chi tiêu trong gia đình?
Nói đến việc quản lý tài chính trong gia đình, phụ nữ chẳng hiểu nổi vì sao đàn ông lại có thể chi tiền triệu cho một bữa nhậu. Trong khi đó đàn ông cũng cảm thấy vô lý khi vợ mình mua chiếc túi xách hết cả nửa tháng lương. Tiền bạc đôi lúc là vấn đề chính gây ra xung đột giữa vợ chồng nếu cả hai không có sự thống nhất và trao đổi thẳng thắn với nhau về tiền. Vậy vợ chồng nên quản lý thu chi thế nào để không gặp trục trặc trong hôn nhân? Câu trả lời sẽ có trong bài viết dưới đây. Tiến sĩ Giáo dục Nguyễn Phương Chi, tác giả của Blog nổi tiếng “The Present Writer” đã chia sẻ 3 cách quản lý thu nhập phổ biến trong gia đình. Mỗi phương pháp đều có những ưu nhược điểm riêng. Vì vậy bạn cần cân nhắc kỹ khi áp dụng cho gia đình mình. Nếu có thể, hãy thử nghiệm cả 3 phương pháp này trong ít nhất một tháng để biết được phương pháp nào phù hợp với mình nhất. Kiểu 1: Chỉ vợ hoặc chồng giữ tiền Có thể thấy, đây là kiểu quản lý tiền bạc phổ biến nhất trong mỗi gia đình Việt. Vợ hoặc chồng sẽ là người nắm giữ toàn bộ thu nhập và phụ trách chi tiêu cho cả gia đình. Hầu hết trong mỗi gia đình Việt vợ là người quán xuyến hết tiền bạc. Ưu điểm Thu nhập được kiểm soát tập trung, chặt chẽ và dễ dàng quản lý. Nhược điểm Áp lực trong mọi quyết định tài chính sẽ đè nặng lên một người, người còn lại dễ trở nên bàng quan và thiếu sự đồng cảm nếu đôi bên không thường xuyên chia sẻ. Giải pháp:  Trong gia đình, ai cũng muốn mình là người có quyền đưa ra quyết định tài chính. Tuy nhiên, chuyện quản lý tiền bạc lại là vấn đề chung. Bất kỳ quyết định nào liên quan đến tiền bạc đều nên có sự đồng thuận của cả hai để xây dựng sự tin tưởng ở nhau. Ngoài ra, tiền nên được giao cho người có khả năng quản lý tài chính tốt hơn chứ không nhất phải là người vợ hoặc người kiếm được nhiều hơn giữ tiền. Người cầm tiền cũng phải là người biết sắp xếp thu chi rõ ràng và minh bạch, luôn có sự thỏa hiệp trong mọi quyết định tài chính của gia đình. Kiểu 2: Tiền của ai người nấy giữ Đây là kiểu mỗi người sẽ tự quản lý thu nhập của mình, chỉ đóng góp một phần vào chi tiêu chung của gia đình như tiền sinh hoạt, ăn uống, học phí cho con cái,... Tiền của ai người nấy giữ và chỉ đóng góp cho khoản chung của gia đình. Ưu điểm Đôi bên sẽ có được sự tự do tuyệt đối với đồng lương của mình sau khi đã đóng góp một khoản cho gia đình. Mọi thứ đều được phân chia rạch ròi, tránh va chạm lẫn nhau. Nhược điểm Thiếu cái nhìn tổng quát về tình hình hình tài chính chung của cả gia đình: Người này có thể không biết người kia kiếm được bao nhiêu tiền và chi tiêu vào những gì? Khi gia đình có những mục tiêu tài chính lớn như mua nhà, mua xe, đầu tư hay tiết kiệm thì sẽ rất khó để thống nhất và thực hiện hiệu quả. Thiếu công bằng nếu một trong hai người không có nguồn thu nhập ngang nhau. Đôi khi sẽ gây ra áp lực hoặc bức bối cho người còn lại khi không đủ tiềm lực tài chính để đáp ứng cho các khoản chi tiêu chung của gia đình. Giải pháp: Trong hôn nhân không nên có bí mật tài chính giữa hai người. Do đó, cả hai vợ chồng nên công khai thu nhập và phân chia tỷ lệ đóng góp cho gia đình theo mức thu nhập của mỗi người. Chẳng hạn nếu người chồng có thu nhập cao hơn, chi tiêu nhiều hơn thì có thể đóng góp 60% lương tháng cho quỹ chung thay vì chia 50-50 như thông thường. Đồng thời, rạch ròi trong tài chính là tốt nhưng vẫn cần có sự trao đổi thường xuyên giữa vợ chồng để gắn kết và thực hiện mục tiêu tài chính chung hiệu quả. Kiểu 3: Hai túi tiền thông nhau Vợ chồng sẽ hợp nhất thu nhập của mình lại và cùng nhau quản lý chi tiêu đồng đều. Thu nhập sẽ được phân chia cho các khoản cố định hàng tháng, khoản tiết kiệm, đầu tư và có cả khoản tiền tiêu riêng của mỗi người. Để dễ dàng theo dõi, vợ chồng nên có một tài khoản ngân hàng chung, khi một người rút tiền để chi tiêu cho việc nào đó, người còn lại cũng sẽ theo dõi được. Cùng chia sẻ và quản lý tài chính trong gia đình sẽ giúp cả hai gắn kết hơn. Ưu điểm Mọi thứ đều rõ ràng và minh bạch. Vợ chồng có tiếng nói chung, phấn đấu vì mục đích chung nhưng vẫn có sự tự do nhất định. Nhược điểm Chi tiêu không tập trung nên khó quản lý và đôi khi tạo ra sự bất đồng nếu cả hai không thường xuyên trao đổi và có kế hoạch tài chính chung rõ ràng. Giải pháp: Trang bị kỹ năng quản lý tài chính cá nhân và dựa vào điểm mạnh của đối phương để đưa ra những quyết định tốt nhất. Cần có sự thống nhất trong kế hoạch phân bổ thu chi cho gia đình. Nếu nhận thấy cả hai có một vài điểm bất đồng ý kiến, hãy trình bày rõ ràng về quan điểm của mình để cùng nhau tìm ra cách giải quyết phù hợp. Sau cùng, dành cho những cặp vợ chồng hay chi tiêu qua thẻ chung, bạn cần sử dụng thêm app quản lý chi tiêu để dễ dàng theo dõi và kiểm soát nguồn tiền. Hiện nay, một số ứng dụng đã cho liên kết với tài khoản ngân hàng có thể kể đến như Misa, Money Lover, Mint, YNAB,... Tựu chung, không quan trọng ai là người giữ tiền, quan trọng là vợ chồng bạn chọn được cách quản lý thu chi phù hợp với hoàn cảnh gia đình mình. Điều quan trọng để tài chính gia đình luôn ổn định và bền vững đó là đôi bên cùng tin tưởng và chia sẻ với nhau. Đồng thời phải luôn trau dồi những kỹ năng quản lý tài chính cần có để nâng cao chất lượng cuộc sống gia đình mình. (Bài viết tham khảo từ tác giả Nguyễn Phương Chi - The Present Writer.)  Để cập nhật thêm nhiều kiến thức và phương pháp quản lý tài chính hiệu quả. Hãy nhấn nút “ĐĂNG KÝ NGAY” ở phía dưới để nhận thông báo mới mỗi ngày. Nguồn: https://redbag.vn/blog/ai-nen-la-nguoi-quan-ly-chi-tieu-trong-gia-dinh/
How to Take Somebody's Sweetheart and Engage in sexual relations With Her?
So you need to take somebody's sweetheart. Isn't that right? Perhaps you previously saw a young lady and went gaga for her, sadly later you find that she as of now has a sweetheart. You can take somebody's sweetheart assuming she shows interest in you and there are a few inconveniences in her ongoing relationship. Find True Love It will be extremely difficult for you to take her in the event that she shows no interest in you and she is exceptionally content with her ongoing sweetheart. All things considered, what virtuoso individuals say is 'The sky is the limit in this world'. In this way, attempt these procedures with uplifting outlook (recall that on the off chance that she shows interest in you, there is an opportunity of a lifetime that you can take her). 1. Find out what her sweetheart doesn't have in that frame of mind of her - Nobody is wonderful in this world. Yet, it is human instinct that we continuously searching for the ideal accomplices. In this way, what you really want to do is to find out what her sweetheart doesn't have in that frame of mind of her. Find out what are the things she generally whines about her beau. Presently you want to accomplish some difficult work. UNDERSTAND A SERIOUS RELATIONSHIP You want to create and accomplish the things she is thoroughly searching in her sweetheart. Yet, never let her in on that you are attempting to make her your better half. You really want to keep persistence and take care of business to make her attention on her relationship issues. Allow me to make sense of, on the off chance that she generally grumbles that her beau never take her theaters, you ought to recount to a nonexistent story in which you took one of your female companion (or your ex) theater. 2. Show up as a high status Sexual man - Do you have at least some idea what ladies need from a man? Subliminally ladies need a genuinely sexual man who can set out the freedom to have intercourse. Yet, they would rather not be viewed as a prostitute, that is the reason they stifle their craving of sex. So how might you show up as high status sexual male? Match.com Scams Try not to express that you are a sexual male, show it with you non-verbal communication. Show the apex predator non-verbal communication. You should expand your fascination in her eyes. Perhaps you are imagining that taking somebody's sweetheart can be conceivable, yet having intercourse with her can't be imaginable by any stretch of the imagination. Allow me to come clean, it relies on you and your inward game. Driving her to sex can require months. Furthermore, what you really want to do all time is to work on yourself and show up as a high status sexual male. Likewise, cause her to feel solace around you. Also, when you find she is baffled in view of relationship issues then it will be the best time for you to set out a freedom for her to sex. As of now you want to play with her feelings. Here you want a total direction from a specialist.
7 powerful tips to overcome negative thoughts
7 powerful tips to overcome negative thoughts [See -the *positive side*, the- strength, &- the_ effort. ” ] Even though I am a yoga teacher, I still find it easy to fall into the trap of negative thinking. Negative thoughts can play a role that can only hurt you, something I have experienced many times in my life. Negative thoughts weaken you and prevent you from being in the present state. When you let go of your wrong thoughts, it becomes stronger. I love the image of a little ball rolling on the floor, and as it rolls, it gets bigger and faster. That is what one little evil thought can turn into: a big, fast ball of evil. Conversely, a small positive thought can have the same effect and blossom into a positive effect. I would like to share with you an example of how one little thought can turn into a very bad experience. I have been living alone for the past ten years. Obviously, during this time I have become accustomed to living a certain way; I have my jobs cooking, cleaning, and living happily ever after. My ex-boyfriend of two years, is about to move here and live together. I recently had negative thoughts about living with her, knowing that my lifestyle would change for the better and that we would need to work out a new routine together. Unfortunately, I have already jumped into the future and have had thoughts that we will never be able to come up with a plan for life that will make us both happy. In my mind's eye I have found myself annoyed with our cooking and cleaning situation. He came on an unexpected visit this past weekend, and boy, it was a surprise for him. We had a rough weekend together. I did not enjoy being with her because I was just angry with her, and she was just as confused and frustrated as I was. What could have been a wonderful weekend turned out to be a painful and difficult weekend. When we start to have negative thoughts, it is hard to stop. And it is much easier to say than to change your focus on positive thoughts. But it is the only way, especially if you want to avoid falling into a painful and unnecessary path. Here are ten things I did to help you overcome my negative thoughts that you can try again: 1. Meditate or do yoga. One of the first things I did was go to a yoga class. It took my focus away from my thoughts and brought my attention to my soul. Yoga is also very relaxing, which has helped me clear my mind. Yoga helped me to stay focused on my experience so instead of jumping into what might have happened, it took me back now — one minute, a very important moment. 2. Smiles. I didn’t do much of this during the weekend, so I had to literally bring it in front of the mirror and force myself to smile. It really helps to change your mood and relieve stress. I also felt lighter because it requires fewer muscles to smile than to frown. For more click here https://www.sachinsharma.gq/2022/02/7-powerful-tips-to-overcome-negative.html
How Do You Get Glue Residue Off a Lace Wig?
Is removing glue from HD transparent lace wigs a headache for you? Have you ever torn the lace while cleaning the glue? Ladies, let's see what a professional cleaning method is. Lace can be very fragile, so before you enter the glue removal process, we would like to inform you of a few things to be aware of: HD lace is the most vulnerable lace market, so if you use HD lace in your Brazilian hair wigs, you must be very careful and avoid pulling on the material when handling it. It's easy to rip through your HD lace and ruin your entire setup. At a minimum, you need a toothbrush and dish soap or conditioner. For more stubborn glues, you'll need alcohol and cotton balls or adhesive remover. Give yourself up to 30 minutes of glue removal and take your time. Step-by-step instructions for removing glue from a former lace wig Step 1: Put the melt HD lace frontal wig in the sink and turn on the water. The temperature of the water is irrelevant. Step 2: Take some liquid soap or white conditioner and apply some of it to the glue-covered area. Don't be afraid to use too much product - the more you use, the easier it will be to remove the glue. Be sure to focus it on the lace. Step 3: Pick up your toothbrush and brush some water on it. Start gently brushing the lace. Wet your toothbrush again and continue brushing your shoelaces. Step 4: Take a few minutes to scrub the lace with a toothbrush. Soon, you'll see the glue start to come off. Some of it can get stuck in a toothbrush. If this happens, remove the glue from the brush with your fingers and continue brushing your shoelaces. Rinse the lace thoroughly and observe it carefully. If there is more glue on the lace, add more soap or conditioner and continue brushing. Rinse once more, then continue with the washing and conditioning process as necessary. If you don't scrub for a long time, you can use a more durable glue remover - alcohol. Here are the steps to follow for this method: Step 1: Get rubbing alcohol. You can use 50% isopropyl alcohol or 91% rubbing alcohol. 50% alcohol won't remove glue as easily as 91%, but both will do. People often choose 50% alcohol over stronger alcohol because lace tends to be fragile. Step 2: Set up in a well-ventilated room. Alcohol can irritate your nasal passages and throat. Step 3: Soak some cotton balls in the alcohol of your choice. Make sure the whole cotton ball is soaked in alcohol. Step 4: Turn your wig inside out onto the glue-covered lace. Step 5: Start wiping away the glue with a cotton ball -- in quick circles. It is important to apply mild pressure because the alcohol itself will dissolve the glue. Focus on one place at a time and be careful not to tug on your shoelaces. After rubbing the lace for one minute, turn the cotton ball and continue. Step 6: After a while, you will see the glue come off the lace and transfer to the cotton ball. Step 7: Removing the glue from the lace may take about half an hour. It depends on how much glue is on the device. Step 8: Continue with regular lace front cleaning and conditioning procedures. Use lace wig adhesive remover Lace wig glue remover is specially formulated to easily remove the glue from the lace. Each lace wig adhesive remover has its own set of instructions, but for the most part, you'll use it like this: Step 1: Spray some makeup remover onto your device and let it sit for a few minutes. This gives the remover some time to finish its job. Then, rub the lace with your fingers, scrub it with a toothbrush, or wipe it with a cotton ball dipped in solution. Step 3: After a few minutes, your lace should be out of glue. Note: If the instructions on your adhesive remover are different from those described above, follow the instructions on the package. They come from manufacturers and are more likely to give you the results you are looking for. Which glue removal option should you choose? For light gum residues with a thick texture, try soap or conditioner t before trying more radical options. For moderate to severe glue residues that do not seem to be removed by gentle methods, try alcohol or an appropriate binder remover. https://m.asteriahair.com/ There is more latest information on wigs in the official blog of Asteria Hair, please feel free to check and learn.
How Can I Protect My Hair Outside?
How to protect your hair from sunburn when outdoors? Check out today's post and do this to keep your transparent lace wig still smooth. Why can hair be sunburnt? Hair is made up of keratinocytes, most of which are keratin. Keratin consists of long chains of about 20 amino acids, most of which are cysteine. When exposed to sunlight, cysteine absorbs a lot of ULTRAVIOLET light, causing the disulfide bond to break, penetrating and damaging the keratin in hair. Make the hair loses original moisture and nutrition, wool is qualitative flimsy gradually, bring about the bundles with frontal to become yellow thereby, bifurcate, dry. As a result, exposure to the sun can damage anyone's blonde frontal. Women who like to buy braids and wigs with closure should be especially aware of this. How can we tell if our hair has been damaged by the sun? 1. When looking at hair in the sun, the roots and the middle split apart. The whole hair looks dry, yellow, nutrient-poor, and lifeless. 3. Dryness occurs soon after washing your hair. 4. Hair becomes inflexible and breaks easily. Sometimes you'll see faded lines on the hair stem. How to protect your hair from the sun? 1. Minimize or avoid prolonged exposure to sunlight. 10 o 'clock in the morning - 3 o 'clock in the afternoon is the most vital period of ultraviolet light, usually try not to be in this period of time for a long time outdoor activities, can reduce the UV damage to the hair to the lowest. 2. When outside, opt for a breathable sunshade or UV-protected umbrella to keep the sun out of your hair. 3. Before going out, apply a leave-in moisturizer to help lock in moisture in your hair. Apply it directly to dry or wet hair, then spray with a sunscreen moisturizer spray to keep hair moist longer. 4. Trim the ends of badly damaged hair. Use special repair shampoo and hair conditioner in time to reduce the damage to hair after the sun, and regularly carry out professional care. Nowadays, most wigs bought by customers are human lace wigs. So if you wear a human wig, you also need to protect your hair from the sun. Many consumers think wigs don't need the same washing and care as hair, which is wrong. On the other hand, wigs require more frequent deep treatment to prevent moisture and nutrients from escaping from the hair. West Kiss Hair's wigs are authentic, natural, and long-lasting. If you want to travel with friends in a new style, we recommend choosing a wig, which allows you to have multiple looks in no time.
Best Ways to Say Good Night to Your Lover
If morning is for hustle, the night is for healing. we tend to all prefer to begin the dawn with an embarrassment of motivation and hopes to seize the day {and we tend to|and that we} want to finish the day within the arms of the beloved once giving everything we might to realize the dreams. Sending heart-warming, romantic good night messages needs to your partner before hiding your face into the pillow has perpetually been quite the prevailing norm. After you send good night wishes to somebody, at the same time, on purpose, or accidentally, you furthermore might send waves of positive energy and like that person. However, the massive deal here is the perfect good night messages to send to your loved one at midnight. Best Good Night Wishes and Quotes 1. The painful agony of losing you give me a night. But it’s all worth it when you clinch me and call me yours. Good Night, dear. 2. I couldn’t fall asleep unless I told you how important I miss you – love you and goodnight! 3. All I wanted from God was You, and you’re mine now. So, I don’t want anything from God now. Love you baby, Good Night! 4. You’re the only person whom I want to see happy always. So, keep smiling dear and you know that I love you further than you do. Good Night! 5. I would like to remind you that getting a good quantum of sleep is veritably important, and you should change your sleeping schedule as soon as possible. Go to bed, now! Have a good night, my love. 6. You must be feeling exhausted after a long day of being the lover. Take a rest and forget about everything. And, May this night bring you the sweetest dreams ever. 7. I’ve no idea how your dreams are made, but I would like to suppose that I can appear in one of them tonight. I’m sure we will have a lot of laughs as we always do. Anyway, I just wanted to wish you a veritably good night, love. Sleep well. 8. You can’t indeed imagine how important I miss you! I hope that I’ll see you in my dreams, and you’ll see me in yours and we can hang out at least nearly. But for now, have a stylish night, my love. 9. May the sweetest dreams guide you through this night, and your morning is the happiest of all. I love you and miss you, cub. Have a veritably good night! 10. A really good night is when neighbors are calm and their canine isn’t barking all night long. I wish that nothing could intrude on your precious sleep until the morning sun shows up. Good night! 11. Good night, baby! These 3 simple words can make a big difference because they mean that you’re not alone, and there is always someone who protects your sleep. Sleep tight and don’t worry about a thing.