Zamkati
- Momwe mungasamalire ndalama
- 1. Lankhulani za zomwe mumachita ndi zofooka zanu
- 2. Chitani ngongole
- 3. "Gulani" momwe zingathere
- 4. Pangani akaunti yadzidzidzi
- 5. Gulani limodzi
- Musalole kuti ndewu za ndalama zisokoneze ubale wanu
Mwayi wake ndikuti, ngati mungafunse mlangizi wamaukwati kuti agawane nanu zolakwika zazikulu zomwe maanja amapanga pachibwenzi chawo, chinthu chimodzi chomwe angatchule ndikuti samapanga maphunziro azachuma kukhala patsogolo. Kukhazikitsa mgwirizano wachuma pambuyo paukwati sikuwona kukhala pamndandanda wazofunika kwambiri.
Sapita kukalandira upangiri wazachuma pabanja. Sakhala pamodzi kuti apange mndandanda wazamaukwati mtsogolo.Samayang'ana nkomwe kuti aone zomwe angachite kuti atuluke m'ngongole. Ndipo mukudziwa zomwe akunena: Mukalephera kukonzekera, mumakonzekera kulephera.
Komabe, zinthu zikamapita kummwera, ndipo maanja akupezeka kuti akumenya nkhondo chifukwa chogawa ndalama, kugwiritsa ntchito ndalama, kusankha pakati pazachuma komanso kukhala limodzi, maanja nthawi zambiri amadzifunsa kuti, kodi okwatirana amatenga bwanji ndalama.
Mwamwayi, pali zinthu zomwe mungachite popanga mgwirizano mutakwatirana. Zimafunikira kuti mufufuze pang'ono, kuwononga nthawi yambiri ndikuchepetsa zina zomwe mumagwiritsa ntchito.
Momwe mungasamalire ndalama
Ndalama za maanja zitha kuyambitsa nkhondo pakati pa anthu apabanja.
Pali njira zabwino zopezera mgwirizano wachuma ndipo ngati mutsatira malangizo asanu awa oyang'anira ndalama, mutha kukhala otsimikiza kuti ngakhale mutakhala kuti mukakhala pankhani yazachuma komanso kusamalira ndalama, mgwirizano ulipo.
Malangizo awa akupatsani yankho lotsimikizika kufunso, momwe mungagwiritsire ntchito ndalama m'banja.
Ngati mukufuna kukonzekera kwamabanja kuti apange zotsatira zabwino, muyenera kukhazikitsa zofunika zanu zachuma limodzi ndikutsatira upangiri wa ndalama ngati gawo loyera.
Nawa mabanja maupangiri akapangidwe kazandalama kuti muthandizane pazachuma
1. Lankhulani za zomwe mumachita ndi zofooka zanu
Upangiri wofunikira waukwati kwa omwe angokwatirana kumene ndikuti si ndalama kapena kusakhulupirika komwe kumayambitsa chisudzulo. Ndikusayankhulana komanso moona mtima, simumalankhulana bwino momwe muyenera kukhalira ngati inu ndi mnzanu simukukambirana za ndalama. Sizingakhale zolakwika kunena kuti ndalama ndi banja ndizolumikizana.
Wokondedwa wanu alipo kuti akuthandizeni kukhala bwinoko, ngakhale pankhani zachuma. Chifukwa chake, patulani kanthawi miyezi ingapo iliyonse kuti mukambirane za zomwe wina ndi mzake ali ndi zomwe angathe komanso zomwe amalephera pankhani ya ndalama.
Zikhala zabwino paubwenzi wanu komanso tsogolo lanu lazachuma.
2. Chitani ngongole
Kusunga ndalama pa TV kapena galimoto yatsopano ndibwino koma ngati muli ndi ngongole zambiri, ndalamazo zitha kutuluka. Muyenera kukhala ndi malire pakati paukwati ndi ndalama, ndikupewa kugula kopatsa chidwi.
Ndipo aliyense amene alibe ngongole za ophunzira kapena makhadi angakuuzeni kuti palibe ufulu wina wabwino kuposa ufulu wachuma! Izi zati, khalani pansi, yang'anani ngongole yanu, sankhani zomwe mukufuna kuchotsa mchaka chimodzi ndikulipira ngongole zochepa kwambiri poyamba.
Zinthu zatsopano zimatha kudikirira. Kuphatikiza apo, mudzamva bwino mukawagula mukadzabweza ngongole zanu kumbuyo kwanu. Kuchedwetsa kwakuchedwetsa koteroko komanso malingaliro azanzeru pazida ndizo zida ziwiri zofunika pakupanga mgwirizano pambuyo paukwati.
3. "Gulani" momwe zingathere
Makhadi angongole angakuthandizeni kukhazikitsa ngongole, ndizowona.
Komabe zimangokhala ngati agwiritsidwa ntchito moyenera.
Ngati mukufuna kusungitsa malo, gwiritsani ntchito kirediti kadi yanu. Kupanda kutero, yesani kukhala ndi chizolowezi chogwiritsa ntchito ndalama pazogula zanu. Ngati izi sizikumveka, yang'anani motere: Makhadi a ngongole ndi ngongole. Chifukwa chake, ngati mukuwagwiritsa ntchito, mwina mulibe ndalama.
Ngati mulibe pano, ndibwino kudikirira kuti mudzakhale nayo nthawi ina.
Kugula m'malo mongolipiritsa kumatanthauza kuti ndinu anu, zilizonse zomwe zilipo, mosabisa. Palibe chidwi, palibe ngongole, palibe vuto.
4. Pangani akaunti yadzidzidzi
Ngati mudamvera malangizo aliwonse ochokera kwa mlangizi wa zachuma Dave Ramsey, mwina mudamumva akunena kuti nthawi zonse ndibwino kukhala ndi thumba ladzidzidzi losachepera $ 1,500-2,000.
Mwanjira imeneyi, ngati mungakhale ndi zinthu monga kukonza nyumba kapena galimoto yanu ikawonongeka, simuyenera kuchita mantha kapena / kapena kudalira makhadi anu kuti muthe kuthana ndi vutoli. Ndalama zolimba kwambiri zizikhala kale ndi inu ndikupanga mgwirizano pakati paukwati sichidzawoneka ngati ntchito yayikulu.
Ngati nonse mumalipira milungu iwiri iliyonse ndipo nonse mumayika $ 50 kapena nthawi iliyonse, akaunti yanu yambiri imakhazikitsidwa mkati mwa miyezi 12 ndipo kuyang'anira ndalama kumakhala kosavuta.
5. Gulani limodzi
Ndizodabwitsa, kuchuluka kwa maanja omwe amagawana nyumba ndi bedi koma osakhala limodzi kugulira nyumba yawo.
Ndinu amphamvu kwambiri limodzi kupatukana; Izi zimachitikanso pankhani yogula zinthu. Chifukwa chake, pangani mfundo kuti mugulitse zinthu zambiri limodzi.
Mutha kulumikizana wina ndi mnzake pazinthu zabwino, mutha kuyang'ana mitengo yabwino kwambiri komanso mungaperekenso upangiri ngati china chake chiri chofunikira kapena ayi.
Chizolowezi cholimbikitsachi chimatha kuyambitsa ntchito yopanga mgwirizano wamabanja mukatha kukwatirana mnyumba mwanu.
Musalole kuti ndewu za ndalama zisokoneze ubale wanu
Nthawi zina, maubale okhazikika kapena mavuto am'maganizo nawonso amayambitsa ndewu zomwe zimachulukirachulukira m'banja. Zikatero, ndibwino kufikira katswiri wotsimikizika kuti akuthandizeni kuthana ndi zifukwa zomwe zimayenderana pakusagwirizana kwachuma komanso mikangano yomwe ikubwera pakati pa mabanja.
Ndikofunikanso kutenga maphunziro odalirika paukwati pa intaneti kukuthandizani ndi upangiri wabwino komanso maupangiri amomwe anthu okwatirana akuyenera kugwiritsira ntchito ndalama.
Komanso, kukhazikitsa mndandanda wazachuma m'banja kungakhale chida champhamvu chothanirana ndi mavuto azachuma m'banja.
Ndalama mukamakwatirana zimafunika kukonzekera bwino ndipo zimafuna kuti muzicheza limodzi. Mukazichita mochenjera, zimatha kulimbikitsa mgwirizano wanu ndikuthandizani pakupanga mgwirizano mutakwatirana.