Zamkati
- Lembani zonse zomwe mwapeza
- Sungani zowonekera
- Mvetsetsani momwe mumagwiritsira ntchito ndalama
- Ndalama zimayankhula
- Khazikitsani malangizo
- Sungani, Sungani, Sungani
- Khalani oyenera pachuma
- Sankhani zosowa zanu
- Gawani zosowa zanu
- Kambiranani zolinga zomwe munagawana nazo
- Kambiranani zolinga zanu pazachuma
- Sankhani mapulogalamu oyang'anira ndalama
- Khazikitsani misonkhano yazandalama
- Bajeti musanalipire
- Sankhani zolinga zanthawi yayitali
- Kodi okwatirana akuyenera kusunga ndalama zingati?
- Kodi okwatirana ayenera kugawana ndalama?
- Tengera kwina
Zovuta zanyumba, ngongole za kirediti kadi ndi zina zomwe banja lingawononge zitha kutopetsa mabanja.
Kafukufuku akuwonetsa kuti chuma ndi chomwe chimayambitsa mavuto m'banja, ndipo mavuto azachuma amatsogola pazifukwa zosudzulana. Kulankhulana pafupipafupi komanso moyenera kungathandize kuti banja likhale lolimba, ndipo izi zimachitika makamaka pakusamala ndalama.
Chifukwa chake, momwe mungapangire bajeti ngati banja?
Tsatirani maupangiri khumi ndi awiriwa opangira bajeti kwa maanja kuti azitha kugwiritsa ntchito bwino ndalama zawo kuti muzikhala ndi nthawi yochepa yopanikizika ndi ndalama komanso nthawi yambiri kusangalala ndi kucheza ndi anzanu.
Imodzi mwa njira zoyamba zomwe mungapangire bajeti ndikuphatikiza ndalama zonse zomwe mumapeza. Atha kukhala malipiro anu komanso kuchokera ku ntchito zina zamaluso zomwe mungapereke. Ikani onse m'malo amodzi monga woyamba kukhazikitsa bajeti ndikupanga mapulani ena ndi ndalama, moyenera.
Mabanja ambiri amasankha kuphatikiza maakaunti akubanki, pomwe ena amakonda kupatula ndalama zawo. Mosasamala kanthu zomwe mungasankhe, kuwononga ndalama kuyenera kukhala kowonekera. Monga okwatirana, simangokhala ogawana nawo kugawana ndalama.
Tekinoloje imakuthandizani kuti musunge chilichonse pamalo amodzi, ndikupangitsa kuti zikhale zosavuta kulumikizana ndalama. Ndipo musachite mantha kukambirana za ndalama zoposa madola ndi senti - gawani zolinga zanu zanthawi yayitali kuti musunge moyenera.
Anthu nthawi zambiri amakhala mgulu limodzi mwamagawo awiri akagwiritsa ntchito momwe amagwiritsira ntchito ndalama:
- Owononga
- Opulumutsa
Palibe vuto kuzindikira kuti ndi ndani amene ali ndi luso losunga ndalama komanso kugwiritsa ntchito bwino banja lanu. Pomwe tikusungabe zoonekera poyera, lolani "wopulumutsa" kuti akhale woyang'anira wamkulu wogwiritsa ntchito kunyumba.
Wosunga ndalama amatha kuyang'anira ndalamazo ndikupanga bajeti yoyendetsera ndalama bwino.
Pamodzi, pangani magulu monga "ndalama zogulira zinthu" kapena "ndalama zosangalatsa" ndikugwirizana za kuchuluka kwa gawo lililonse. Ingokumbukirani kuti musamawonongeke - wopulumutsa amatha kusunga ndalama kwa spender, ndipo wogulitsa akhoza kupereka malingaliro pazomwe mukuyenera kuchita.
Konzani zamtsogolo ndikupatula nthawi yoti mukhale ndi "zokambirana za ndalama" pomwe simusokonezedwa kapena kusokonezedwa, monga Lamlungu masana kapena ana akagona. Izi nthawi zambiri zimakhala `` zofufuza zochepa '' zomwe maanja angayang'anire ndalama zawo mogwirizana ndi dongosolo lawo ndikukambirana zomwe zingachitike.
Onetsetsani kuti mukukonza izi pafupipafupi, monga nthawi iliyonse yomwe inu kapena mnzanu mumalipira. Zokambirana izi zitha kuthandizira kuti zinthu zisapanikizike pakagwa mwadzidzidzi mwadzidzidzi.
Posankha bajeti yamabanja, gwirizanani za kuchuluka kwa ndalama zomwe mumagwiritsa ntchito ufulu wanu. Dziwani malire a zomwe aliyense wa inu angagwiritse ntchito pogula zazikulu.
Mwachitsanzo, zingakhale bwino kubwerera kunyumba ndi nsapato za $ 80, koma osati $ 800 nyumba yochitira zisudzo. Popanda malangizo, mnzake akhoza kukhumudwa ndi kugula kwakukulu, pomwe amene akuwononga ndalama ali mumdima chifukwa chake kugula sikulakwa.
Malirewa amakulolani kuti mukhale olimbikira ntchito, potero muchepetsa mwayi wazinthu zosayembekezereka kapena mkangano mtsogolo.
Ndikosavuta kugwiritsa ntchito ngongole yanu ngati chowiringula kuti musasunge. Lembani mndandanda wazolinga zazing'ono zomwe zingatheke.
Izi zitha kukhala zosavuta monga kupatula $ 25 pamalipiro onse muakaunti yosungira. Mutha kuyamba ndikuyesera kusunga $ 1,000 ya thumba ladzidzidzi ndikuwonjezerapo pafupipafupi.
Ngati zikukuvutani kusiya ndalama zomwe mwasunga zokha, funsani banki yanu kuti ikukhazikitseni ndalama ku akaunti yanu yosungira kuti mupewe kuchotsedwa. Musaiwale kuvomereza zopulumutsa momwe zimachitikira.
Kuvomereza kuti mukufuna thandizo lazachuma kumatha kukhala kovuta komanso kochititsa manyazi, koma ophunzitsa zachuma ali ndi zida zokuthandizani kukhazikitsa bajeti, kugwiritsira ntchito momwe mumagwiritsira ntchito ndalama, kapena ngakhale zokambirana zolimba pazokhudza ndalama.
Ntchito zothandizira bajeti za mabanja nthawi zambiri zimakhala zotsika mtengo kwambiri, ndipo ndalama zomwe zimabweretsedwazo ndizokwera - pazokha, kupsinjika kwa ubale wanu ndikofunika kwambiri kuposa mtengo wake.
Ngakhale mutha kuyesedwa kuti mupeze upangiri kuchokera kwa abwenzi kapena abale, omwe ali pafupi nanu sangakupatseni upangiri wowona mtima, wopanda tanthauzo womwe mukufuna kumva.
Ndalama zochepa zolimbitsa thanzi lanu mothandizidwa ndi wophunzitsa zimatha kubweza pambuyo pake ndikuthandizani inu ndi mnzanu kupewa "kuziphunzira movutikira."
Mukadziwa momwe mumagwiritsira ntchito ndalama, chinthu china choyenera kupanga bajeti ndi kusankha zosowa zonse. Izi zikuphatikizapo zosowa zapakhomo zomwe banja limagawana komanso zosowa zawo. Chofunikira kudziwa ndikuti muyenera kungowerengera zofunikira osati zomwe mungasankhe.
Gawo lotsatira pakupanga bajeti kwa mabanja atasankha zosowazo ndi kugawa m'magulu osiyanasiyana. Pakhoza kukhala zosowa zaumwini, zosowa zapakhomo, zosowa zamtundu, ndi zina zotero. Kupanga bajeti pamwezi kuyenera kukhala ndi magawano onsewa.
Zolinga zachuma nthawi zambiri zimakhala zolinga zamtsogolo. Kungakhale kugula nyumba, ndalama za ana, ndi zina zambiri. Khalani pansi kuti mukambirane zolinga zomwezo ndikuzilemba patsamba limodzi. Pangani bajeti yanu ina ndikusankha mapulani, molingana.
Kanemayo pansipa ndi okhudzana ndi mabanja ndi njira zawo zoyendetsera ndalama limodzi. Amakambirana zochitika zawo zandalama ndipo amagawana maupangiri a bajeti yamabanja:
Monga momwe nonse mudagawana zolinga zandalama, kuwerengetsa mabanja kuyeneranso kukhala ndi zolinga zawo. Zolinga zamunthu aliyense zimatanthauza ndalama zake monga ngongole ndi zina zofunika. Kukonzekera bajeti kuyeneranso kukhala ndi zolinga zake payokha kutengera mtundu wa ndalama za munthuyo.
Kuti mugwiritse ntchito bwino bajeti yamabanja, yang'anani pulogalamu yabwino kwambiri ya mabanja yomwe ingawathandize pakupanga bajeti ndikulemba zofunikira zawo kuti adzamvetse mtsogolo.
Zina mwa mapulogalamu omwe akuthandizira maanja ndi awa:
- Bajeti yakunyumba
- Wokondedwa
- Zogulitsa
- PocketGuard
- HoneyFi
- Bwino
- Pulogalamu Yopulumutsa Twine
- Mukufuna Bajeti (YNAB)
- Zosavuta
- Wally
- Goodbudget
- Misonkhano
Ngati simukugwirizana ndi mapulogalamu a bajeti kapena zakulera zakunyumba, kupanga mapulani a bajeti yanu nokha ndi njira ina yomwe mungasinthire malinga ndi zosowa zanu.
Vutoli silimathetsedwa ndikupanga bajeti. Kutsatira icho kumafunikira kuyesayesa kwamphamvu ndi luso.
Chimodzi mwamaupangiri a bajeti kwa maanja ndi kukonzekera misonkhano yamlungu ndi mlungu kuti akambirane mapulani, ndalama, ndi zolakwika. Izi ziwathandiza kukhala pamzere woyenera komanso kupewa kuwononga ndalama mosayenerera pazinthu zomwe zitha kupewedwa.
Kukonzekera zachuma kwa mabanja kapena Bajeti ya maanja iyenera kuyamba njira ndalama zisanalandiridwe. Izi zidzakuthandizani kuwonongera ndalama zanu ndikupatsani nthawi yokwanira yokambirana zomwe zikufunika komanso zomwe mungapewe.
Ndalama zikabwera, zinthu zidzakhala zachangu komanso zosavuta kusamalira.
Bajeti ya okwatirana sikuyenera kungokhala pakusankha ndalama zomwe azigwiritsa ntchito mwezi ndi ndalama. Mabanja ayeneranso kukonzekera bajeti kutengera zomwe akwaniritsa nthawi yayitali monga kupuma pantchito, thumba lazachipatala, kuyambitsa bizinesi, zolipirira ana, ndi zina zambiri.
Yesani:Mukuyendetsa Bwino Banja Lanu Ndi Mafunso A Zachuma
Kodi okwatirana akuyenera kusunga ndalama zingati?
Anthu okwatirana akuyenera kuswana ndalama zokwanira zosungidwira masiku amvula, kuti asakhale ndi nkhawa zachuma tsiku lililonse ndipo koposa zonse, panthawi yazadzidzidzi.
Awiri ayenera kutsatira a 50/30/20 chilinganizo komwe amayenera kusunga 20% ya ndalama zawo, 50% pazinthu zokhazikika ndi 30% ngati thumba lakuzindikira.
Komanso, okwatirana ayenera kukhala ndi ndalama zosachepera miyezi isanu ndi inayi zosungidwa muakaunti yopezeka pazosowa zadzidzidzi.
Izi zitha kuchitika pokhazikitsa bajeti yoyenera kwa maanja akangokhala pansi kuti alembe ndalama zawo ndikusunga bwino.
Kodi okwatirana ayenera kugawana ndalama?
Pamene onse awiri akugwira ntchito, ndibwino kuti agawane ndalama zawo m'banja.
Pali zifukwa zosiyanasiyana zomwe maanja amayenera kugawana ndalama mbanja:
- Kugawana zachuma kumapereka chiwonetsero
- Zimathandizira kukhazikitsa zolinga zabwino zandalama
- Maanja atha kupanga zisankho zabwino zopuma pantchito
- Zimasintha chidwi kuchokera kwa iwo eni kupita kubanja
- Zimapereka kusinthasintha kwabwino kuyendetsa kusintha
- Ndalama zambiri ndizofanana ndi chiwongola dzanja chambiri
Tengera kwina
Ngati inu ndi mnzanu mukukumana ndi mavuto azachuma, ndikofunikira kuyesetsa kukonzekera bajeti ndikuwongolera ndalama limodzi.
Kuyambira pakuchita msonkhano wama bajeti kawiri pamlungu ndi mnzanuyo kuti muvomereze njira zowerengera ndalama kapena kubweretsa akatswiri pachithunzichi, mutha kupanga bajeti yamaanja pogwirira ntchito limodzi ndi malangizo oyenera a bajeti ndikupeza ndalama zanu nthawi.