Zamkati
- 1. Kuyankhulana - dziwani chilankhulo cha wina ndi mnzake cha ndalama
- 2. Mapu a Ndalama - yendani pazokwera ndi kutsika kwachuma
- 3. Kuchita zinthu mogwirizana - gwirani ntchito limodzi
Ngakhale ukwati ndi chikhalidwe chakale kwambiri ndipo chimapereka maziko omwe chitukuko chathu chimamangidwa, ndikumangirira komwe kwakhala kosintha kosasintha. Poyambirira, mwambo waukwati sunakhazikitsidwe konse. Chikondi sichinali ndi chochita ndi izi, titero kunena kwake. Linali bungwe lazandale komanso lazachuma. Nanga bwanji nanga zokambirana pazachuma m'banja ndizosavomerezeka? Ngati banja lakhala chizolowezi chokhazikika pazachuma, nanga nchifukwa ninji pali chisokonezo chambiri chakuyenda komwe okwatirana amayima? Yankho ndilakuti ngati tili ndi lingaliro losintha laukwati m'zaka za zana la 21 tifunika kutsagana nalo ndikusintha kwachuma muukwati pamsonkhanowu.
Chinthu choyamba kukumbukira ndikuti siwofanana kukula kwake konse. Palibe yankho limodzi lomveka bwino momwe banja lingasamalire ndalama m'banja. Ena amasankha kuphatikiza chuma chawo chonse pomwe ena amasunga chilichonse. Komabe, ena, gwiritsani ntchito mtundu wosakanizidwa womwe umagwirizanitsa zinthu zina pomwe zinthu zina zidagawanika.
Nawa njira zothandiza zomwe zingakuthandizeni kuyambitsa bwino banja
1. Kuyankhulana - dziwani chilankhulo cha wina ndi mnzake cha ndalama
Ndikofunika kukhala ndi zokambirana momasuka za ndalama ndikuwongolera ndalama. Muyenera kudziwa mbiri ya wina ndi mnzake yokhudza ndalama komanso zomwe zidaphunzitsidwa ngati ana pankhani iyi. Mwina mnzanu kapena nokha simunaphunzirepo chilichonse pakusamalira bajeti? Mwinamwake ali mwana, kholo limodzi limayang'anira ndalama zonse pomwe winayo adasewera ngati mnzake wosalankhula? Mwina m'modzi mwa inu adaleredwa ndi kholo limodzi lomwe limayang'anira bukuli? Izi zonse ndizolemba zovuta kuzikumbukira poyambira kupanga moyo limodzi.
2. Mapu a Ndalama - yendani pazokwera ndi kutsika kwachuma
Ndikofunika kukhala patsogolo kuyambira pachiyambi. Osangokhala ndi ndalama zadzidzidzi komanso malingaliro amomwe mungayendere mtsogolo mwanu pazachuma. Kodi ndi zinthu ziti zofunika pamoyo wanu monga banja? Kodi ndi zinthu ziti zomwe mukufuna kuyamba kusungira? Pakadali pano, kodi muli ndi ndalama zokwanira zosungira, kapena ndi cholinga chamtsogolo?
3. Kuchita zinthu mogwirizana - gwirani ntchito limodzi
Wosewera naye nthawi zonse amafunika kuti adziwe pamasewera anu akulu okhudzana ndi ndalama, chifukwa chake onetsani. Onetsetsani kuti mumagwiritsa ntchito ndalama zambiri ndikulankhula musanazichite. Zochitika zazing'ono zamasiku onse sizimasowa zokambirana nthawi zonse koma samalani momwe zimapangiranso. Ngati mwapanga molakwika ndi ndalama, ndipo simunalankhulepo ndi mnzanu poyamba, fess ndi kufotokoza zomwe zinachitikira mnzanuyo. Mutha kuthana ndi zinthu bwino ngati gulu kuposa kukhala nokha mukamakhala nokha.
Kukulunga
Apanso, ndikofunikira kukumbukira kuti palibe malamulo okhwima komanso achangu okhudzana ndi kusamalira ndalama m'banja. Ukwati wokha udasinthika, chifukwa chake zili bwino kuti ulendo wanu wachuma umasinthanso nthawi ndi nthawi. Lingaliro lofunika kulikumbukira ndiloti mapulani anu azachuma atha kusintha ndikusintha monga momwe chibwenzi chanu chidzakhalire.
Ndikufuna kukhala wothandizira, ndinatenga msewu wopindika. Choyamba kuyambira ngati Omaliza Maphunziro a Mbiri Yakale omwe akutenga nawo gawo pazofukula za m'mabwinja ndikuphunzitsa mbiri yasekondale kwa zaka 10; m'mene ndimapitilira maphunziro, ndidapeza kuti chidwi changa chenicheni chinali kuthandiza anthu kuthana ndi zopinga pamoyo wawo kuti akhale ndi moyo wabwino. Ndagwira ntchito m'malo osiyanasiyana kuchokera kuzipatala zamagulu amisala, masukulu aboma, masukulu othandizira, machitidwe azinsinsi, ngakhale nyumba za anthu. Kuyambira kwa mphunzitsi kupita kwa woyang'anira, woyang'anira zamankhwala komanso wamabizinesi, zomwe ndimakumana nazo ndizosiyanasiyana komanso zazikulu. Ndaphunzira kuti ngakhale mutha kuyamba njira imodzi ndipo ulendowu ukhoza kukhala wautali komanso wovuta, komwe mungapite mwina ndikomwe mungakhale.
Tsopano monga mlangizi wololeza zamisala, LMHC, ndimakhazikika pakugwira ntchito ndi ana komanso mabanja. Ndili ndi zaka zoposa 16 zakugwira ntchito ndi ana azaka zonse, ndimathandiza ana ndi omwe amawasamalira kuti amvetsetse zovuta pamoyo wawo komanso zovuta zamaganizidwe. Pamodzi ndi kuthandiza mabanja kuthana ndi zopinga pamoyo, ndimagwiranso ntchito ndi achikulire omwe ali ndi nkhawa, nkhawa, kukhumudwa, komanso ubale komanso mgwirizano. Kuthetsa zopinga pamoyo ndikofunikira kwambiri kuti munthu achite bwino ndikumverera kuti akuchita bwino.