Zamkati
- 1. Kodi timagwirira ntchito limodzi?
- 2. Kodi tili ndi ngongole iti?
- 3. Kodi tikukonzekera kukhala ndi ana?
- 4. Kodi zolinga zathu pazachuma ndi ziti?
- 5. Tidzakhazikitsa bwanji bajeti yathu?
- 6. Kodi tingayembekezere ndalama zotani kuchokera kwa abale athu?
- 7. Kodi tili ndi thumba ladzidzidzi kapena lopuma pantchito?
- 8. Kodi tikupereka chakhumi?
Aliyense amadziwa kuti ndalama ndizokhudza, ndipo makamaka muukwati. Mabanja ena amangokonda kukambirana za kugonana kwawo osati za ndalama zawo!
Monga ndi zinthu zambiri m'moyo; kukhala omasuka ndi owona mtima wina ndi mnzake ndiyo njira yabwino yolimbana ndi kuthana ndi mavuto limodzi.
Ngati mungayambe kupanga njira zabwino zoyendetsera ndalama, kapena mapulani oyendetsera ndalama kuyambira koyambirira, ngakhale musanalowe m'banja, zidzakuthandizani zaka zikubwerazi.
Malangizo asanu ndi atatuwa oyendetsera ndalama adzakuthandizani kuyamba kuganiza zakukonzekera zachuma kwa mabanja ndi momwe mungasamalire bwino ndalama.
1. Kodi timagwirira ntchito limodzi?
Funso lofunika ili sikuti limangotengera momwe mungagwiritsire ntchito ndalama m'banja komanso m'mbali zonse za banja. Muyenera kuganizira ngati mudzasunga maakaunti osiyana, kapena kuphatikiza ndalama zanu zonse.
Ngati mukusamalira ndalama muukwati, mwasankha kukhala ndi maakaunti osiyana, kodi aliyense azikhala ndi ndalama zake, ndipo kodi mudzawonetsera bwino sikelo yanu?
Kodi mudakali ndi malingaliro a 'zanga' ndi 'anu,' kapena mukuganiza mofanana ndi 'zathu.' Mpikisano ukhoza kukhala chopinga chenicheni kugwira ntchito limodzi.
Ngati mukuwona kuti mwanjira inayake muyenera kupikisana ndikuwonetsa kuti ndinu wokondedwa wanu, zingakulepheretseni kuwona zomwe zili zabwino kwa nonse pamodzi.
2. Kodi tili ndi ngongole iti?
Mawu akulu "D" akhoza kukhala ovuta kwambiri kuthana nawo, makamaka ngati mwangolowa kumene m'banja. Ndiye kodi anthu okwatirana azigwiritsa ntchito bwanji ndalama akakakhala ndi ngongole?
Choyamba muyenera kutero onetsetsani kwathunthu ngongole zanu zonse.
Osakana kapena kunyalanyaza zomwe simukukumana nazo chifukwa zidzangokula ndikupangitsanso zinthu kumapeto. Sonkhanani pamodzi ngongole zanu ndipo, ngati kuli kofunikira, pezani thandizo kuti mupeze njira yobwezera.
Upangiri wa ngongole umapezeka ponseponse, ndipo pamakhala njira yopita patsogolo pazochitika zilizonse. Mukakwanitsa kukhala opanda ngongole, chitani zonse zomwe mungathe ngati banja kuti musakhale ndi ngongole momwe mungathere.
3. Kodi tikukonzekera kukhala ndi ana?
Ili ndi funso lomwe mwina mudakambirana koyambirira pomwe mudazindikira kuti chibwenzi chanu chinali chachikulu. Ndikofunikira kuti mugwirizane ndi kumvetsetsa komwe kumakhala ndi ana.
Kuphatikiza pa zabwino zonse zoyambitsa banja, zachidziwikire, pali zina zowonjezera zomwe zitha kuyika mavuto pakusamalira ndalama kwa maanja.
Ana akamakula m'kupita kwazaka, momwemonso ndalamazo zimakula, makamaka pankhani yamaphunziro. Izi ndizofunika kuzikambirana ndikuziganizira mukamakonzekera banja lanu.
4. Kodi zolinga zathu pazachuma ndi ziti?
Ubwino umodzi wogawana ndalama m'banja ndikuti mungathe khazikitsani zolinga zanu zachuma limodzi. Kodi mukukonzekera kukhala m'nyumba imodzi kapena nyumba imodzi moyo wanu wonse, kapena mukufuna kumanga kapena kugula malo anu eni?
Kodi mungafune kusamukira kumidzi kapena kunyanja? Mwinamwake mukufuna kuthera zaka zanu zapitazi mukuyenda limodzi padziko lapansi. Kapenanso mungafune kutsegula bizinesi yanu.
Ngati muli pantchito yabwino, ndi mwayi uti wopititsa patsogolo womwe mukuwoneratu? Ndikofunika kukambirana mafunso awa pafupipafupi ndikuwunikanso zolinga zanu zachuma nthawi ndi nthawi, nyengo zakukula kwanu.
5. Tidzakhazikitsa bwanji bajeti yathu?
Kukhazikitsa bajeti ya mabanja akhoza kukhala mwayi wabwino wodziwana bwino.
Mukamapereka ndalama zanu pamwezi, sabata iliyonse, komanso ndalama zanu tsiku lililonse, mutha kusankha limodzi zofunika, zofunika, ndi zomwe sizofunika kapena zotayika.
Ngati simunasungireko bajeti kale, ino ndi nthawi yabwino kuyamba.
Mosakayikira idzakhala nthawi yophunzirira nonse ndikupatsani malire omwe angakuthandizeni kuti mukhale ndi mtendere wamumtima, podziwa kuti mudzapeza ndalama mukadzakhala khalani mu bajeti yomwe mwagwirizana limodzi.
6. Kodi tingayembekezere ndalama zotani kuchokera kwa abale athu?
Kodi mungagwiritse ntchito bwanji ndalama muukwati? Kutengera ndi momwe banja lanu lilili, mungafunikire kulingalira ndalama zina zokhudzana ndi banja lanu.
Kodi muli ndi makolo okalamba omwe amafunikira thandizo, kapena mwina makolo anu angafunikire kudzakhala nanu nthawi ina?
Kapenanso mwina abale ndi alongo a mnzanu ali ndi nthawi yovuta; kusudzulana, kusiya ntchito, kapena kukumana ndi vuto losuta.
Zachidziwikire, mungafune kuthandiza kulikonse komwe mungakwanitse, chifukwa chake izi zimafunika kukambirana mosamala, kuwonetsetsa kuti nonse muli patsamba limodzi zikafika nthawi komanso kuchuluka kwa zomwe mungathandize.
Onaninso:
7. Kodi tili ndi thumba ladzidzidzi kapena lopuma pantchito?
Mukakhala otanganidwa ndikukhala moyo wanu watsiku ndi tsiku pakadali pano, zimakhala zosavuta kuiwala za 'mapulani azachuma okwatirana.' Komabe, kusankha mwanzeru ndalama m'banja lanu kumaphatikizapo kulingalira ndikukonzekereratu ndi mnzanuyo.
Mwina mungakonde kambiranani kukhazikitsa thumba ladzidzidzi pazinthu zomwe sizimayembekezereka zomwe zimawonjezeka nthawi ndi nthawi, monga kukonza galimoto, kapena makina anu ochapira akamwalira.
Ndiye, zowonadi, pali kupuma pantchito. Kupatula thumba la penshoni lomwe mwina mumalandira kuchokera kuntchito yanu, mungafune kupatula pang'ono zowonjezera maloto omwe mwakhala mukusunga masiku anu opuma pantchito.
8. Kodi tikupereka chakhumi?
Kupereka chachikhumi ndi chimodzi mwa zizolowezi zabwino zomwe zimatithandiza kuti tisakhale odzidalira kwathunthu komanso kudzikonda.
Kupereka chakhumi cha ndalama zanu ku tchalitchi kapena zachifundo zomwe mwasankha kumakupatsani chisangalalo chomwe chimadza podziwa kuti mwanjira ina mwakwezera mtolo wina.
Mwina mukuwona kuti simungakwanitse kupereka chachikhumi, komabe mutha kuperekabe, kaya ndi nthawi yanu kapena kuchereza alendo mowolowa manja. Nonse muyenera kuvomerezana pankhaniyi ndipo muzitha kutero perekani mofunitsitsa ndi mokondwera.
Amati palibe amene ali wosauka kwambiri kuti sangapereke, ndipo palibe amene ali wolemera kwambiri kotero kuti safuna chilichonse m'moyo. Komanso, gwiritsani ntchito malangizo amomwe mungagwiritsire ntchito ndalama monga banja kuti musamalire bwino ndalama zaukwati.