Zamkati
- 1. Kuyika chakudya patebulo
- 2. Momwe mungalipire ngongole zanu
- 3. Kupeza malo okhala
- 4. Kulipira kusamalira ana
- 5. Kusunga mayendedwe
- 6. Inshuwaransi yazaumoyo
- 7. Kuthetsa ngongole zotsala
Kutha kwa chisudzulo kumakhala kopweteketsa mtima kwambiri kwakukhalitsa mtima kwanu, osatinso zomwe zidzachitike pamoyo wanu wachuma.
Monga mayi, kuda nkhawa ndi zomwe chisudzulo chanu chikuchitira ana anu kumatenga malingaliro anu pafupifupi momwe mungakonzekere mavuto azachuma mukasudzulana.
Kuyambira kulipira ngongole, kusunga chakudya, ndi kusamalira ana anu monga kholo limodzi.
Kudziwa zovuta zachuma za mayi wopanda kholo kungakuthandizeni kupanga mapulani amasewera za njira yabwino yosamalirira ana anu m'mikhalidwe yatsopano ya kholo limodzi.
Nazi zovuta zisanu ndi ziwiri zokhala mayi wosakwatiwa omwe mungakumane nawo banja lanu litatha.
1. Kuyika chakudya patebulo
Monga mayi wosudzulidwa, zikuwoneka kuti ndalama zanu zapakhomo zidadulidwa pakati kapena mwinanso kuposa. Mwinanso, simunali kugwira ntchito konse mutakwatirana.
Mulimonse momwe zingakhalire, cholinga chanu tsopano chimazungulira momwe mungasungire zofunikira pamoyo wanu. Zachidziwikire, zofunikira kusukulu ndi zovala ndizonso zomwe zimakudetsani nkhawa banja lanu litatha chifukwa zinthu izi sizitsika mtengo.
Chimodzi mwazovuta zazikulu kapena zovuta zaubereki m'modzi zomwe mungakumane nazo ndizopezera banja lanu zosowa.
Lipoti la mtengo wazakudya kuchokera ku USDA lidawonetsa kuti mtengo wazakudya pamwezi wa munthu m'modzi umayambira $ 165 mpaka $ 345, kutengera zaka zanu ndi jenda. Mtengo uwu umangokwera ndi ana ambiri omwe mungakhale nawo.
Onaninso:
Ngati mukuvutika pachuma mutasudzulana, chinthu choyamba muyenera kuganizira ndikupeza upangiri pakapangidwe ka amayi osakwatira kapena upangiri wa bajeti kwa amayi osakwatira.
2. Momwe mungalipire ngongole zanu
Kulipira ngongole zanu za mwezi ndi mwezi kapena kubweza ngongole ndi vuto lalikulu kwambiri lazachuma kwa mayi wosakwatiwa.
Kusamalira zofunikira zapakhomo kungakhale kovuta komanso kovuta, koma osataya chiyembekezo. Pali njira zambiri zodutsira nthawi ino mpaka mutha kupeza ndalama zambiri.
Mwachitsanzo, mutha kupeza ntchito yachiwiri kapena kuntchito kunyumba kuti mupatsidwe ndalama zowonjezera.
Kugulitsa nyumba yanu ndikukhala ndi abale anu kapena abwenzi apamtima panthawiyi kungathenso kuchepetsa mavuto azachuma. Muthanso kuganizira zoperekanso ndalama kunyumba kwanu kuti mupeze ndalama zochepa.
3. Kupeza malo okhala
Chowonadi chomvetsa chisoni ndichakuti, m'modzi mwa akazi asanu adzagwa mu umphawi (ndalama za $ 20,000 zapakhomo pachaka pa banja la atatu) atatha chisudzulo.
Izi sizowerengera zabwino za azimayi osakwatiwa omwe akuyang'ana kuti aphunzitse ana awo bwino.
Vuto lina lalikulu kwambiri lazachuma la mayi wopanda bambo ndi komwe mukakhale. Ngati mukulephera kusunga banja lanu loyambirira, musataye mtima.
Pali thandizo lochulukirapo la amayi osudzulidwa, komanso mabanja omwe amalandila ndalama zochepa thandizo kwa amayi osudzulidwa opanda ndalama kapena amayi osakwatiwa omwe ali ndi ndalama zochepa.
Mutha kusankha kukhala ndi abale anu kwakanthawi mutasudzulana. Osanyada kwambiri kuti mungalandire thandizo kuchokera kwa anzanu ndi abale anu panthawi yovutayi.
4. Kulipira kusamalira ana
Monga mayi wosakwatiwa, maudindo anu azachuma angakukakamizeni kuti mubwerere kuntchito kapena ngakhale kugwira ntchito ziwiri nthawi imodzi.
Izi zitha kukhala zopweteka kwambiri, chifukwa sikuti mudzangokhala ndi nkhawa komanso kutopa, zimakutengerani nthawi yanu kutali ndi ana anu.
Kugwira ntchito nthawi zonse kungatanthauze kuti muyenera kupeza malo osamalira ana okwanira mukakhala kuti simuli panyumba ndi ana anu.
Mutha kupemphanso achibale anu komanso anzanu kuti azisamalira ana anu mukakhala kuntchito, mpaka mudzayambiranso.
5. Kusunga mayendedwe
Malinga ndi kafukufuku wochokera ku Federal Reserve ndalama zapakati pamwezi ku USA zimabwera pakati pa $ 300- $ 550 pamwezi pagalimoto yatsopano.
Ngongole iyi idawoneka ngati lingaliro labwino mukakhala banja limodzi mukugawana nawo ndalama pazogula zanu, koma ngati mayi wopanda mayi, mutu wanu ukhoza kukhala ukupotokola mukamayesa kuwerengera momwe mungasungire galimoto yanu.
Monga mayi wopanda mayi, mayendedwe ndikofunikira. Izi ndizofunikira kutengera ana anu kusukulu, kupeza zakudya, kupita kuntchito, komanso pakagwa vuto ladzidzidzi.
Mukawona kuti simungakwanitse kubweza ngongole yanu yatsopano yamagalimoto, mutha kukambirana ndi ogulitsa kuti abwezeretse, kapena mutha kugulitsa pa intaneti ndikusankha galimoto yomwe ikugwiritsidwa ntchito yomwe ili bwino.
6. Inshuwaransi yazaumoyo
Udindo wachipatala ndi vuto linanso lazachuma la mayi wopanda kholo lomwe tsopano likukugwereni ngati kholo limodzi.
Tsoka ilo, m'modzi mwa akazi anayi amataya inshuwaransi yazaumoyo kwakanthawi kwakanthawi atatha banja. Izi zitha kubweretsa nkhawa zambiri mukamakumana ndi vutoli.
Musalole kuti zikulepheretseni. Monga mayi, ndiudindo wanu kuwonetsetsa kuti ana anu akusamalidwa, makamaka pakagwa vuto lina lililonse.
Fufuzani mwakhama kuti mutsimikizire kuti mudzakhala ndi inshuwaransi yabwino kwambiri zomwe zingaphimbe banja lanu pamtengo wotsika.
7. Kuthetsa ngongole zotsala
Mukakhala pabanja nthawi yayitali, ndizotheka kuti inu ndi mnzanu mudakhala ndi ngongole yofanana.
Mwina mudagula galimoto yomwe mumalipirabe, poganiza kuti mnzanuyo azikuthandizani kulipira.
Kuyamba moyo wanu monga banja mwina kunali vuto lazachuma, kuyamba ndi - ndipo munali musanakhale ndi makhadi a kirediti kadi.
Ngongole yanyumba, ngongole za mipando, ndi ngongole yapa kirediti kadi ndiinonso ngongole zomwe zimasiyidwa banja litatha.
Ngati ngongolezi sizinakhazikitsidwe kukhothi kapena mnzanu akukana kukuthandizani kuti mulipire gawo lawo, zitha kumveka zovuta kwambiri, makamaka mukamayesa kuyambiranso moyo wanu.
Osataya mtima
Mavuto azachuma a mayi wopanda ana banja litatha sizovuta kuthana nawo, koma osataya mtima.
Mukakonzekera bwino, kuthandizidwa ndi abale ndi abwenzi, kuleza mtima, ndikutsimikiza, mutha kudutsa nthawi yovutayi mutakhazikika.