Zamkati
- Kodi kusakhulupirika kwachuma kumatanthauza chiyani?
- Zovuta zakusakhulupirika kwachuma
- Kulakwitsa koona?
- Mitundu yakusakhulupirika kwachuma: Kodi mumazindikira aliyense?
- 1. Wotchova njuga
- 2. Wogula
- 3. Wogulitsa ndalama
- 4. Chinsinsi
- 4 Njira zothetsera kusakhulupirika kwachuma
- 1. Gwiritsani ntchito limodzi nkhani zachuma
- 2. Lembani akauntanti
- 3. Khalani ndi macheke ndi sikelo
- 4. Khalani ndi bajeti
- Tengera kwina
Maanja amakangana kwambiri pankhani yazandalama kuposa mutu wina uliwonse. Mavuto azachuma komanso kupsinjika kwachuma ndizomwe zimayambitsa kusatetezeka, mikangano, komanso mavuto am'mabanja.
Momwe anthu amachitira pakapanikizika ndi ngongole, kusonkhetsa ndalama, kapena kusowa kwa ndalama kumasiyana. Anthu ena amalimbikitsidwa kugwira ntchito molimbika, kuti apeze zochulukirapo; ena adzaika pangozi zazikulu komanso zopanda nzeru kuti athe kulipidwa mwachangu, monga kutchova juga pamasewera kapena pa kasino. Anthu awiri omwe ali pachibwenzi amatha kuyendetsa ndalama mosiyanasiyana, ndipo izi zimatha kubweretsa kusakhulupirika kwachuma.
Kodi kusakhulupirika kwachuma kumatanthauza chiyani?
Kusakhulupirika kwachuma kumatha kufotokozedwa ngati bodza, kusiya, kapena kuphwanya kukhulupirirana kulikonse komwe kumayambitsa mavuto amubanja.
Kusakhulupirika kwachuma ndikubera mnzanu, chimodzimodzi zachiwerewere kapena malingaliro.
Chilichonse chomwe mungabise kwa mnzanu chokhudza momwe mungagwiritsire ntchito ndalama zimawonedwa ngati kusakhulupirika kwachuma.
Tsopano, sindikunena za kugula khofi panjira yopita kuntchito, kapena kutenga sangweji pachakudya. Munthu aliyense ayenera kugwiritsa ntchito ndalama zake pazinthu zazing'ono. Simuyenera kuwerengera ndalama iliyonse. Zomwe ndikunena pano ndi ndalama zandalama zomwe ndizofunika kwambiri kuti zithandizire, kapena kuyika pachiwopsezo, chitetezo chamabanjali.
Zovuta zakusakhulupirika kwachuma
Kwa maanja omwe akukhala ndalama zolipirira, zolemala, thandizo la boma, kapena osagwira ntchito, izi zitha kutanthauza kuti ngakhale ndalama zochepa kwambiri zitha kukhala zofunikira.
Mabanja ambiri amangolandira ndalama zochepa chifukwa cha kusowa kwachuma, ndipo kusakhulupirika kwachuma kumatha kuwononga miyoyo yawo. Kwa iwo, komanso kwa iwo omwe ali olemera, olemera, komanso okhazikika pachuma, sizongokhala ndalama koma zowona komanso zowona pakati pa abwenzi.
Kulakwitsa koona?
Nthawi zambiri munthu amene akuchita cholakwacho samatanthauza kukhala wachinyengo. Cholinga chawo sichinali kukana kukhulupirirana. Anthu ena amangokhala opanda ndalama.
Amatha kulakwitsa ndikuchita manyazi kapena manyazi kuvomereza, chifukwa chake amabisa. Kapenanso amatenga ndalama muakaunti imodzi kuti abwerenso cheke chomwe chadetsedwa. Uku ndikusakhulupirika kwachuma nawonso.
Chilichonse chomwe mukusunga kwa mnzanu ndichopanda kukhulupirirana. Monga momwe zimakhalira ndi mtundu uliwonse wachinyengo pachibwenzi, kubwera poyera nthawi zonse kumakhala bwino. Simukufuna mabodza, ngakhale ang'onoang'ono, kuti abwere pakati panu ndi mnzanu. Ndikudziwa kuti ndizovuta kuvomereza kuti walakwitsa, koma uyenera kutero ndikuwulula zonse.
Wokondedwa wanu akhoza kukhumudwa ndi zomwe zidachitika, mwinanso kukukwiyirani chifukwa cholakwitsa mopusa, koma ndizowononga chibwenzicho kuposa kusunga chinsinsi.
Mitundu yakusakhulupirika kwachuma: Kodi mumazindikira aliyense?
1. Wotchova njuga
Ndalama zimalowa. Mphatso zimagulidwa. Zinthu zamatikiti akulu zimawoneka mwachisawawa. Munthuyo ndi wokondwa, akumva bwino, komanso wabwino. Kenako amataya. Zinthu ziyenera kugulitsidwa, zopukutidwa, osonkhanitsa ndalama amayamba kuyimba foni. Wotchova juga akhoza kunama kuti wataya ndalama. Atha kupita kwanthawi yayitali ndipo safuna kukuwuzani komwe akhala.
Anthu otchova juga amakhala osakhazikika komanso osasintha. Akutsimikiza kuti apambana nthawi zonse, koma tikudziwa bwino.
Kutchova juga kumatha kuyamba mosalakwitsa koma mwachinyengo kumayamba chizolowezi komanso chizolowezi.
Ngati muli otchova juga kapena mukukhala nawo, ndimakhalidwe ovuta komanso njira yovuta kwambiri kukhalabe pachibwenzi komanso / kapena kukhala ndi banja. Otchova juga nthawi zina amafunika kugunda "mwamathanthwe" kuti asiye.
Pali mankhwala opatsirana kuchipatala komanso kuchipatala kwa omwe amakonda kutchova juga, koma wotchova juga ayenera kuvomereza kuti amafunikira thandizo izi zisanachitike. Zimatengera kuleza mtima komanso chikondi kuti muthandize wotchova njuga kuthana ndi vuto lawo, ndipo pali zambiri zomwe zimapangitsa, kutayika, komanso kusakhulupirika panjira.
2. Wogula
Kugula mwa iko kokha sikumakhala kusakhulupirika kwachuma. Tonsefe tifunika kugula zinthu m'nyumba zathu, tokha, ndi ana athu. Komabe, pamene kugula kumakhala kukakamiza, ndipo munthuyo amayamba kubisa zomwe amagula kuchokera kwa wokondedwa wawo, mukuyamba kusakhulupirika.
Mukawona kubweza kuchokera kumaakaunti akubanki omwe mnzanu sangathe kapena sangawerengere, kapena mukayamba kupeza phukusi mu garaja, zotsekera, thunthu lagalimoto, kapena zinthu zatsopano zomwe zimangokhala m'nyumba mwanu, ndi chenjezo la mbendera yofiira kuti mufufuze za zomwe mnzanu amagula.
Ngati sizingayang'anitsidwe, kusokoneza bongo kumatha (koma sikuti nthawi zonse) kumadzetsa zizolowezi. Mulimonsemo, ndi mtundu wa kusakhulupirika kwachuma komwe kumatha kukhala kosalamulirika.
Inu ndi mnzanu muyenera kukambirana za momwe mungagwiritsire ntchito ndalama komanso kufunika koti mugule zatsopano.
Khalani ndi chizolowezi ichi chisanakhale chopitilira muyeso, chodula, chowonera, komanso chovulaza kwambiri.
3. Wogulitsa ndalama
Wogulitsa nthawi zonse amakhala ndi chiwembu cha "kulemera mwachangu" ndikulonjeza kuti abweza ndalama zambiri kapena ali wotsimikiza kupha pamgwirizanowu. Nthawi zambiri, ndalamazi zimangotanthauza kuponyera ndalama pambuyo poipa kuposa kuyika ndalama ndipo nthawi zambiri sizimatha.
Izi sizimalepheretsa ogulitsa athu kuti asatenge nawo gawo lotsatira kapena kuyika msika wamsika kapena makampani atsopano.
Uwu ndi mtundu wamasewera omwe anthu ena olemera amasewera ngati masewera; Zili bwino mpaka ndalama zitayika ndipo wogulitsa sakufuna kuuza mnzake za izi.
Zachidziwikire, ndizochititsa manyazi, koma kodi simukuyenera kuchita manyazi m'malo mongokhulupirika kwa mnzanu?
Wogulitsa ndalama amafunika malire oti "azisewera" nawo. Onsewa akuyenera kukhala ogwirizana, ndipo payenera kukhala kuwululidwa kwathunthu komwe ndalama zandalama zimachokera (yemwe akupereka ndalama yambewu) komanso za ndalamazo.
Payenera kukhala kulankhulana moona mtima za kuchuluka kwa ndalama zomwe zikutayika kapena kupezedwa, ndipo ngati mnzake sakusangalala ndi ndalamazo, siziyenera kuchitika.
4. Chinsinsi
Stasher yachinsinsi imakhala pang'ono ngati tsiku lachiwonongeko. Iwo akuganiza kutha kwachitukuko monga tikudziwira kuti kuli pafupi, ndipo poop akagunda fan, chuma chidzagwa, ndipo zomangamanga zonse kapena dziko lathu zidzaima.
Ali ndi pulani yakutsogola kwa chivumbulutso chomwe chikubwera ndipo akugula chilichonse chomwe mungafune kuti mupulumuke zonse zikadzatha. Ndikudziwa kuti izi zitha kuwoneka ngati zosatheka, koma pali anthu ambiri kunjaku omwe ali ndi malingaliro awa kuposa momwe mungaganizire.
Zolinga zachinsinsi zaubisizi ndizabwino, koma ngati mnzake sakuchita nawo zomwe amagula, sizikhala bwino pachibwenzi. Stasher yachinsinsi ikudzaza garaja (kapena bunker) ndi zida zambiri zopulumutsira, chakudya, mfuti, ndipo ndani akudziwa zina zonse. Wokondedwa wawo mwina sangadziwe za kugula kwake.
Ichi ndichinthu chomwe chiyenera kukambidwa ndikuvomerezedwa ndi onse awiri. Chisankho chokonzekera kutha kwa dziko sichingakhale chosankha.
Ngati ndalama zomwe zikupita kuzinthu zonse zosungidwa zikuchokera kwa onse awiri, aliyense ayenera kunena momwe ndalama zimagwiritsidwira ntchito, kapena zikuyenera kukhala kusakhulupirika kwachuma.
Mu kanemayu pansipa, phunzirani momwe kusakhulupirika kwachuma kumatha kusokoneza banja:
4 Njira zothetsera kusakhulupirika kwachuma
1. Gwiritsani ntchito limodzi nkhani zachuma
Onse awiri akuyenera kukhala pansi limodzi ndikuwunika momwe banjali liliri komanso kuona momwe zosowa zawo ziliri komanso ndalama zomwe zingatenge kuti akwaniritse udindo wawo.
Ngati awiriwo aganiza zokhala ndi mnzake woyang'anira bukhuli, kulipira ngongole, ndi zina zambiri, payenera kukhala kuwerengetsa mwezi uliwonse komwe amakhala pansi kuti ayanjanitse zolipira zonse, ndipo onse awiri amatha kuwona momwe ndalama zikugwiritsidwira ntchito.
Onse awiri akuyenera kukambirana zonse zomwe agula pamtengo wokwanira ndipo agwirizane kuti agule. Lamulo ndilakuti, ngati simuli nonse, sizichitika.
Gwiritsani ntchito bajeti yanu limodzi, ndikuwona momwe nonse mungagwiritsire ntchito ndalama zanu kuti mugwiritse ntchito zomwe mukufuna kugula. Mutha kuigwiritsa ntchito pokhala owona mtima komanso otsogola, ndipo nonse awiri mukuyika nthawi ndi khama lofanana kuti zonse zikhale zotetezeka komanso zachuma.
2. Lembani akauntanti
Pamene m'modzi kapena onse awiri adalimbana ndi kasamalidwe ka ndalama m'mbuyomu, kapena pakhala pali zochitika zosakhulupirika pachuma pachibwenzi, lingakhale lingaliro loyenera kutenga wachitatu kutenga nawo mbali. Ndikokwera mtengo kukhala ndi woyang'anira ndalama, kapena wowerengera ndalama, pamayimidwe, koma ubale wanu ndiwofunika.
Kupereka ndalama zanu kwa woyang'anira bizinesi kudzakuthandizani kumasula ku nkhawa zamomwe mungagwiritsire ntchito ndalama. Mukhala ndi akatswiri olangiza ndikuthandizira nonse kukwaniritsa zolinga zanu zachuma.
Mumachotsa kukayikira konse kokhudza momwe mnzanu amagwiritsira ntchito ndalama, ndipo monga banja, mumatha kukambirana momasuka komanso zowona za maloto anu ndi zolinga zanu mtsogolo.
3. Khalani ndi macheke ndi sikelo
Muchiyanjano chomwe pakhala kusasamala bwino ndalama kapena kusakhulupirika kwachuma, kupita mtsogolo, payenera kukhala kuwona mtima komanso kuwona mtima pazinthu zonse zokhudzana ndi zachuma.
Aliyense ayenera kukhala buku lotseguka pankhani zandalama.
Lowanitsanani pafupipafupi za momwe dongosolo lazachuma likuyendera ndikukambirana za zonse zomwe zimagwirizana ndi ndalama.
4. Khalani ndi bajeti
Bajeti pamwezi ndiyofunikira. Sindikusamala kuti muli ndi ndalama zingati mukusunga, kuchuluka komwe mumabweretsa ndi ndalama; bajeti idzakutetezani ndikupititsani patsogolo ndikukweza ndalama.
Kusakhulupirika kwachuma sikungatheke ngati awiriwo akukhala limodzi milungu ingapo kuti awone momwe amapangira ndalama ndikuwona momwe bajeti ikugwirira ntchito.
Sizinalembedwe mwala, ndipo mumatha kusintha zochitika zosayembekezereka, zinthu zomwe mukufuna kugula, kapena zadzidzidzi. Onetsetsani kuti mumapanga zosangalatsa mu bajeti yanu. Sungani china chake chomwe nonse mukufuna, monga tchuthi kapena galimoto yatsopano. Nonse muyenera kukhala ndi ndalama zofanana kuti mupange dongosolo lanu lazachuma.
Tengera kwina
Mfundo yayikulu pazonsezi ndikuphatikiza zokambirana pazachuma ngati gawo lolumikizana pafupipafupi muubwenzi wanu.
Sizovuta nthawi zonse kukambirana za ndalama, koma ngati mutha kugwiritsa ntchito zida zomwe ndikulangizani, mudzakhala ndi nthawi yosavuta kufotokozera nkhawa zanu ndikufotokozera zakukhosi kwanu pazolinga zanu komanso mapulani azachuma.