Zamkati
- 1. Tembenukirani ku chikhulupiriro chanu ndikupereka mavuto anu onse kwa Mulungu
- 2. Kulankhulana ndikofunika
- 3. Onaninso zomwe mumaika patsogolo komanso ndalama
- 4. Pezani chithandizo
- 5. Khalani owona mtima kwa ana anu
- 6. Pitirizani ndi moyo wanu watsiku ndi tsiku
Monga makolo, ndiudindo wanu kupezera banja zofunika zonse, kulipira ngongole zawo munthawi yake, kuwapatsa ana sukulu komanso amafunikirabe kupatula ndalama kuti musunge ndalama. Poganizira zonsezi, vuto lalikulu lazachuma ndiye chinthu chomaliza chomwe mungafune kuchitika.
Sikuti zimangokhala zopanikiza komanso zokhumudwitsa; Mavuto azachuma amachititsanso kuti banja lanu lisawonongeke komanso kukhudza aliyense m'banjamo.
Ulova, mavuto azachipatala oopsa, komanso kuwonongera ndalama zosayembekezereka monga galimoto yayikulu kapena kukonza nyumba zonse zitha kubweretsa mavuto.
Koma chifukwa chimodzi chowona chomwe izi zimabweretsa zovuta ndikuti anthu ambiri samakonzekera ndalama pazinthu zosayembekezereka.
Kafukufuku waku Federal Reserve Board apeza kuti anthu aku America anayi pa khumi sangakwanitse kulipira $ 400 zadzidzidzi, zomwe zikutanthauza kuti iwo omwe alibe ndalama amayenera kugulitsa zina mwa zinthu zawo, kuti azipeza ngongole zawo makhadi, kapena kutenga ngongole kuti ungopeza. Ngongole zawo zapakhomo pamalipiro azachuma zitha kukhala zazikulu ngati ndalama zokwana madola 400 zachitika.
Ngati mungadzipezere nokha m'mavuto osakonzekera, ndiye kuti inu ndi banja lanu mudzakumana ndi mavuto azachuma. Komabe, sikuyenera kukhala gawo lowopsa m'banja lanu.Nawa malangizo asanu ndi limodzi othandiza amomwe mungadzithandizire nokha ndi banja lanu kuthana ndi ngongole zapanyumba komanso mavuto azachuma:
1. Tembenukirani ku chikhulupiriro chanu ndikupereka mavuto anu onse kwa Mulungu
Afilipi 4: 6 amati, "Musadere nkhawa konse; komatu m'zonse ndi pemphero, ndi pembedzero, pamodzi ndi chiyamiko, zopempha zanu zidziwike kwa Mulungu."
Kukhala pamavuto azachuma ndi nthawi yovuta kwambiri kwa aliyense, makamaka ngati muli ndi ana, ndipo ngati banja mudzayamba kuda nkhawa zakupulumuka tsiku ndi tsiku. Komabe, musalole kuti nkhawa zanu zikugonjetseni.
M'malo mwake, khalani ndi nthawi yopemphera. Pempherani ndi mnzanu, pempherani ndi ana anu, ndipo pempherani monga banja. Funsani nzeru, chitsogozo, ndi chithandizo munthawi zovuta izi. Ukwati womangidwa ndi chikhulupiriro cholimba mwa Mulungu monga maziko ake ungathe kupirira mavuto aliwonse amene angabwere.
2. Kulankhulana ndikofunika
Akakumana ndi mavuto azachuma komanso ngongole yayikulu yakunyumba ndi kuchuluka kwa ndalama, maanja ambiri amadzipatula ndikuyamba kuthana ndi vutoli monga aliyense payekha. Kulephera kulumikizana kumeneku kumatha kukulitsa vuto lomwe layandikira ndikuwononga banja.
M'malo moyesetsa kuthetsa vutolo nokha, khalani ndi nthawi yoti mukhale pansi ndi mnzanuyo ndikukambirana za nkhaniyi momasuka komanso moona mtima. Uwu ndi mwayi woyenera nonse kuti mudziwitsane momwe mumamvera ndi zomwe zachitikazo, kufika kumapeto kwa vutolo, ndikupanga ndondomeko yomwe mungamvomereze nonse.
3. Onaninso zomwe mumaika patsogolo komanso ndalama
Ngati mulibe chizolowezi chotsatira zomwe banja lanu limagwiritsa ntchito, ino ndiyo nthawi yoyamba. Izi zikuthandizani kudziwa bwino momwe ndalama zilili pano komanso chifukwa chake ndalama tsopano ndizovuta mnyumba mwanu. Ili ndi gawo lofunikira kuthana ndi ngongole zapakhomo.
Yambani polemba mndandanda wa zonse zomwe mumapeza komanso zomwe mwawononga. Ngati ndalama zakunyumba ndi zomwe mumagwiritsa ntchito kuposa zomwe mumapeza pamwezi, ndiye nthawi yoti muunikenso zofunikira zanu zonse. Lembani mndandanda wanu ndikufotokozera zomwe banja lanu lingachite popanda kugwiritsa ntchito chingwe ndi magazini.
Kuchepetsa ndalama zomwe mumagwiritsa ntchito kungakuthandizeni kuti mukhale ndi ndalama zofunika kwambiri zomwe mungagwiritse ntchito kuwonjezera bajeti yanu kapena kuisunga pakagwa vuto ladzidzidzi.
Muthanso kupeza kuti ndizotheka kusunga mndandanda wazinthu zonse zomwe muli nazo. Katundu ameneyu atha kuchotsedwa kuti banja lanu liziyenda bwino chifukwa chinthu chomaliza chomwe mungafune ndikudziika nokha mu ngongole kuti mupeze zofunika pamoyo ndikuyika banja lanu pachiwopsezo chambiri kuposa momwe muliri kale.
4. Pezani chithandizo
Anthu ambiri amachita manyazi polankhula ndi anthu ena za mavuto awo azachuma ndikupempha thandizo. Koma kodi mumadziwa kuti kupsinjika chifukwa cha mavuto azachuma kumatha kubweretsanso thanzi lanu? Kafukufuku akuwonetsa kuti kupsinjika kwachuma tsopano kulumikizidwa ndi nkhawa komanso kukhumudwa. Pafupifupi 65% aku America akutaya tulo pamavuto azachuma. Chifukwa chake, ngati ngongole zanu zikuchulukira inu ndi mnzanu, musachite mantha kupempha thandizo.
Achibale ndi abwenzi amatithandizadi, ngati sichithandizo chachuma. Muthanso kufunafuna thandizo kuchokera kwa mlangizi wovomerezeka wazolingalira ndipo mungaganizire kusaina pulogalamu yothandizira ngongole kukuthandizani kuthana ndi ngongole yanu yomwe ikukulirakulira.
Chilichonse chomwe mungasankhe, kukhala ndi anthu ena omwe angafune kukuthandizani kumachepetsa mavuto omwe muli nawo.
5. Khalani owona mtima kwa ana anu
Ndi zachilengedwe makolo amateteza ana awo ku vuto lililonse lomwe lingakumane ndi banja lawo. Kupatula apo, tiyenera kulola ana kukhala ana. Mavuto azachuma komabe, ndichinthu chomwe simungathe kubisa. Ana amakhala ozindikira kwambiri; adzawona kusintha kwakunyumba kwanu ndikuwona kupsinjika kwanu ndi kukhumudwa kwanu.
Lankhulani ndi ana anu pamsinkhu woyenera ndipo adziwitseni zomwe zikuchitika. Yambirani kwambiri mfundo zomwe adzakwanitse kuphunzira pazochitikazi monga kusunga ndalama, kuwerengetsa ndalama, ndi mtengo wa ndalama, osati vuto lenilenilo.
Chofunika kwambiri, perekani chitsimikizo kwa ana anu kuti monga kholo, mukuchita zonse zomwe mungathe kuti athane ndi vutoli.
6. Pitirizani ndi moyo wanu watsiku ndi tsiku
Chifukwa chakuti ndalama ndi zolimba, sizitanthauza kuti moyo uyenera kuyima. Momwe mungathere sungani zochitika zanu kunyumba chimodzimodzi. Tengani mwayi wofufuza zinthu zotsika mtengo koma zosangalatsa monga nthawi yamasewera paki ndi ana komanso kuchezera malo ogulitsa.
M'malo mokadya kuresitilanti yapamwamba ndi mkazi kapena mwamuna wanu, bwanji osadya chakudya chamakandulo kunyumba kapena kupita kokacheza kwamafilimu mdera lanu.
Kusintha kwakukulu komwe sikungapeweke monga kusamukira kunyumba yatsopano kumatha kukhala kovuta, chifukwa chake mukawona izi zikuchitika posachedwa, ndibwino kufalitsa nkhani, koma chitani mofatsa. Yambirani kwambiri pazinthu zabwino monga kuyambiranso; Chofunika ndichakuti banja limakhala limodzi pamavuto kapena pamavuto. Pomaliza, aliyense azimva kuti amakondedwa komanso kuti amamuyamikira. Mutha kutaya zinthu zonse zakuthupi zomwe ndalama zingagule koma chikondi chomwe muli nacho kwa wina ndi mnzake monga banja sichikhala kwamuyaya.
Lolani izi kuti zikuphunzitseni inu ndi mnzanu kuti mukhale osamala pakuyang'anira ndalama zanu ngati zinthu zina zosayembekezereka zichitike zomwe zingakhudze ndalama zanu, khalani okonzeka kuchepetsa zovuta zake komanso kupewa mavuto kuti asachitike.