Zamkati
- 1. Lembani ngongole yanu
- 2. Perekani patsogolo
- 3. Khazikitsani zolipira zokha
- 4. Khalani ndi akaunti yakubanki yolumikizana
- 5. Pangani akaunti yosunga
Kodi mukuyang'ana maupangiri azachuma okwatirana mosangalala?
Ngakhale chikondi chikhale maziko aubwenzi wapabanja, tiyeni tikhale owona. Ndalama muukwati ndizoyenda mwamphamvu, ndipo momwe mungagwiritsire ntchito ndalama m'banja ndi funso lofunsidwa kawirikawiri ndi mabanja omwe akufuna kuyanjana pazachuma.
Upangiri wazachuma pabanja ukhoza kukhala chida chothandiza kwa maanja kusamalira ndalama zawo, poganizira momwe ndalama m'banja lingakhalire mkangano pakati pa okwatirana.
Ukwati ndi ndalama zimayandikana kwambiri.
Ngati ndalama zanu sizili bwino, zingakupangitseni kukhala osatetezeka.
Ndipo zikachitika, zimakhudza ndipo, m'njira zambiri, zimawononga ubale wanu. Ndicho chifukwa chake, ngakhale mutakhala okwatirana zaka 2 kapena 22, nthawi zonse ndibwino kukhazikitsa dongosolo pankhani zachuma chanu.
Kutsatira malangizo azachuma akuthandizani kugwiritsa ntchito bwino ndalama muukwati ndikuthana ndi mavuto am'banja ndi ndalama.
Upangiri wazachuma pabanja
Njira ina yabwino yothanirana ndi ndalama m'banja ndikufunsana ndi mlangizi wa Maukwati.
Anthu ena amasankha kupeza upangiri wazachuma kuti athetse mavuto azachuma m'banja. Kungakhale bwino kusamala ndi mbendera zofiira zomwe zikusonyeza kuti banja lanu lili pamavuto azachuma, chifukwa chake mutha kufunsa upangiri wa zachuma kwa maanja.
Upangiri wazachuma kwa mabanja ungakuthandizeni kukhazikitsa maziko olimba a banja lolimba pankhani zachuma pokuthandizani kuthana ndi mavuto omwe amafala pankhani yokhudza kusamalira ndalama kwa maanja.
Mupeza upangiri wothandiza wakukonzekera zachuma womwe ungakuthandizeni kuthana ndi mavuto monga ngongole, ngongole, ndalama, komanso zolinga zachuma zomwe zimabweretsa mavuto m'banja.
Mabanja ena amapitanso kumasemina azachuma kapena kuwerenga mabuku angapo kapena kutsatira ma blogs ochepa ochokera kwa akatswiri azachuma kuti apeze yankho la funso loti 'momwe mungayendetsere ndalama m'banja?'
Kungakhalenso kothandiza kuwerenga zambiri zakukonzekera zachuma kwa anthu apabanja kuti apeze upangiri wothandiza wazokwatirana ngati mukuyesetsa kuthana ndi mavuto azachuma m'banja lanu.
Koma mulimonse momwe inu ndi mnzanu mungasankhire, onetsetsani kuti mukukhazikika bwino pazachuma.
Mutha kuyamba bwino pogwiritsa ntchito malangizo otsatirawa azachuma
1. Lembani ngongole yanu
Chimodzi mwazinthu zothandiza kwambiri pamalangizo okhudzana ndiukwati kuti muchepetse malire pakati paukwati ndi zachuma ndikulemba ngongole zanu.
Mukakhala ndi zovuta pamoyo wanu, zimakhala zovuta kupeza ngongole zenizeni. Mumangoyang'ana mabilu pomwe amalowa ndikuyesera kulipira zomwe mungathe.
Koma mukakhala kuti simukudziwa kuti muli ndi ngongole zingati, chiwongola dzanja chitha kuwonjezeka, ndalama zingachedwetsedwe, ndipo ngongole yanu ingakhudzidwe kwambiri.
Ichi ndichifukwa chake ndi lingaliro labwino kutero khalani pansi kamodzi pamwezi ndi kubweza ngongole zanu zonse zapakhomo kuti muwone zomwe muli nazo kuti muthe kupanga mapulani a mwezi uliwonse.
Malangizo awa othandizira azachuma angakuthandizeni kupewa mavuto azachuma m'banja omwe angabuke mtsogolo chifukwa chosowa kuwonetsetsa ndalama ndi mnzanu.
2. Perekani patsogolo
Kulipira patsogolo ndi imodzi mwamalangizo ofunikira kuti muchepetse mavuto azachuma m'banja.
Mwina simukutha kulipira ngongole yanyumba kapena galimoto musanapite nthawi, koma zomwe mungachotse ndi ngongole zina zing'onozing'ono.
Kungodziwa kuti simuyenera kuda nkhawa ndi ngongole zochepa zomwe zimabwera mwezi uliwonse ndichinthu chaching'ono chomwe chingamwetulire pankhope panu.
Onaninso: Momwe mungalipire ngongole yanu yanyumba zaka 5.
3. Khazikitsani zolipira zokha
Pali zinthu ziwiri zazikulu zokhazikitsira zolipira zokhazokha pazinthu monga zofunikira zanu ndi bilu ya chingwe.
Choyamba ndikuti simuyenera kuchita kukumbukira zinthu zikayenera kutero.
Chachiwiri, ndi njira yotsimikizika yopezera chindapusa chilichonse. Ndipo tangoganizirani za mtendere wamaganizidwe ndi kuchuluka kwa nthawi yomwe mungagwiritse ntchito pazinthu zina zopindulitsa posakhala ndi nkhawa zakulipira ngongole za $ 15- $ 20 mochedwa mwezi uliwonse.
Kutsatira malangizowo pamalipiro azokwatirana kungakupulumutseni ku kutsatira mosalekeza ndikuwunikiranso ndalama zanu zina ndikukupulumutsani posankha zovuta.
4. Khalani ndi akaunti yakubanki yolumikizana
Imodzi mwa malangizo akale azachuma, ochiritsira, komabe ogwira ntchito zandalama ndi kukhala ndi akaunti yolumikizana ndi mnzanu.
Ngakhale anthu ena amakana izi, mnzanu siwomwe mumangogona naye; iwo ndi okondedwa wanu.
Chimodzi mwazinthu zabwino zoterezi zopangira ndalama zaukwati ndizakuti Kukhazikitsa akaunti yolumikizana kumatha kukuthandizani kuti muziyankha mlandu pazomwe mukugwiritsa ntchito.
Onse awiri akadziwa momwe ndalama zilili muakaunti yawo yakubanki, izi zikutanthauza kuti zokambirana zitha kuchitika pankhani yogwiritsa ntchito ndalama, kupulumutsa, ndikukonzekera mtsogolo.
Ndipo mukudziwa kuti kukhala ndi zokambirana zotere ndi chinthu chabwino.
Maanja ambiri azindikira mochedwa masewerawa kuti okwatirana ali ndi ngongole masauzande ambiri pakhadi la kirediti kapena sanalipire ndalama kwa miyezi ingapo chifukwa amasiyanitsa ndalama zawo.
Malangizo azachuma awa okwatirana amalola maanja kuti azithandizana ndikulimbikitsana pophatikiza iwo mmalo mwake.
5. Pangani akaunti yosunga
Aliyense amene anati, "ukwati ndi ndalama" sakanakhala wolondola.
Kupanga akaunti yosunga ndi imodzi mwamaupangiri anzeru kwambiri pazokwatirana chifukwa zimamanga banja lanu ngati ndalama kwanthawi yonse.
Ndikugulitsa chikondi, nthawi, inde, pazinthu zanu, kuphatikiza ndalama zanu. Komabe cholakwitsa chomwe maanja ambiri samapanga kupatula ndalama pazinthu monga tchuthi wina ndi mnzake.
Moyo ungakhale wovuta, koma kudziwa kuti nonse muli Kupatula ndalama kuti muzitha kukhala ndi nthawi yabwino yocheza limodzi kungakuthandizeni kuthana ndi zovuta zake.
Kumbukirani, nonse mumasunga $ 100 chidutswa mwezi uliwonse chimakhala $ 2,400 kumapeto kwa chaka.
Ndiye kusintha kwakukulu paulendo wapamtunda kapena wopita pamsewu, ndipo gawo labwino kwambiri ndikuti, mukuwononga ndalama m'malo mopanga ngongole iliyonse ya kirediti kadi!
Mawu omaliza
Ukwati siophweka ndipo umafunika chisamaliro chambiri. Kupsinjika kwachuma, komano, kumatha kukupangitsani kukhala kovuta kwambiri kuti mukhale ndiubwenzi wolimba ndi mnzanu.
Chofunikira kwambiri ndikuwonetsetsa kuti inu ndi mnzanu muli ndi zosowa zofananira zachuma komanso kuti mupeze njira zothetsera mavuto omwe angakhalepo.
Chifukwa chake khalani ndi nthawi yoganizira momwe mungayendetsere ndalama zakunyumba kuti mudzipulumutse pamakangano azachuma komanso kupsinjika panjira.
Tsatirani malangizowa anzeru azachuma, ndipo muwona kusintha kwakukwati kwanu nthawi yomweyo.