Zamkati
- 1. Palibe Bajeti
- 2. Kusamvetsetsa momwe ndalama za mnzanu zimakhalira
- 3. Kusakhala oona mtima pa mbiri yazachuma chanu
- 4. Kunyalanyaza zolinga zandalama
- 5. Palibe ndalama
- 6. Kuwononga ndalama osakambirana
- 7. Kugwiritsa ntchito kwambiri ma kirediti kadi
Kukwatirana ndi gawo lokongola m'miyoyo yathu, komanso ndizotangwanitsa. Pakadali pano, kuganizira za ndalama zomwe tangokwatirana kumene ndi chinthu chomaliza chomwe tingachite.
Zitha kuwoneka zosafunikira pakadali pano, koma zolakwika zachuma ndizofala kwa omwe angokwatirana kumene. Ndalama nthawi zambiri zimakhala zoyambitsa mikangano.
Kusamalira bwino ndalama anthu amene angokwatirana kumene kungaoneke ngati ntchito yovuta. Ndikofunikira choncho kuyamba kukonzekera za chuma chanu kuyambira pomwe adayamba.
Kukuthandizani kuti mukhale odekha ndikuwongolera ndalama zanu mukamakwatirana, tiyeni tikambirane zolakwika zisanu ndi ziwiri zomwe inu, monga okwatirana kumene, muyenera kupewa kukhala ndi banja losangalala komanso labwino.
1. Palibe Bajeti
Kusakhala ndi ndalama ndizolakwika zoyamba zomwe anthu ongokwatirana kumene amapanga.
Inde, mutakwatirana, mumakhala ndi chidwi chokhala ndi munthu amene wangokwatirana kumene. Mukufuna kucheza limodzi, kusangalala kumapeto kwa sabata, kugula madiresi atsopano ndipo mukusangalala nawo kwathunthu.
Koma kumbukirani kuti kugwiritsa ntchito zochuluka kuposa zomwe muli nazo, kumadzetsa ngongole. Ndipo, Kuthetsa ngongoleyi kumakhala chimodzi mwazifukwa zazikulu zokangana pakati pa maanja.
Chifukwa chake musapitirire bajeti.
Zomwe mungachite apa ndikuti, konzekerani bajeti ya omwe angokwatirana kumene, perekani gawo linalake lazopangira maphwando anu, kugula, ndi zina zambiri ndikuyesera kuti musapitirire malire.
2. Kusamvetsetsa momwe ndalama za mnzanu zimakhalira
Tsopano, ichi ndichofunikira.
Mukayamba kukhalira limodzi, munthawi yochepa kwambiri, mumadziwana momwe ndalama zilili wina ndi mnzake, monga momwe ndalama zimagwiritsidwira ntchito, ndalama, zolinga zachuma, ndi zina zambiri.
Mwachitsanzo, mnzanuyo amakonda kudya kunja, koma simukukonda? Kodi mungatani ngati mumakonda kuwononga ndalama zambiri patchuthi, koma mnzanuyo samasangalala nazo?
Chifukwa chake, upangiri wofunikira wazachuma kwa omwe angokwatirana kumene ndikuti musanyalanyaze zizolowezi zachuma za mnzanu.
Kumbukirani, kumvana ndi maziko a banja losangalala. Chifukwa chake, onaninso ndikulankhula za zizolowezi zachuma pamene ubale wanu ukukula.
3. Kusakhala oona mtima pa mbiri yazachuma chanu
Bajeti ndi chizolowezi chandalama ndichinthu chomwe mungathe kutsata ndikugwirira ntchito limodzi.
Koma, kusadziwa mbiri yazachuma cha wina ndi mnzake kudzadzetsa ndalama zambiri mtsogolo. Ndipo, uku ndikulakwitsa kwachuma komwe mabanja onse omwe angokwatirana kumene amapanga.
Ngati muli ndi mbiri yazachuma yomwe mnzanu akuyenera kudziwa, muyenera kuwauza posachedwa.
Zitsanzo ndi monga kubweza ngongole (kubweza pambuyo paukwati) pa bizinesi yomwe mudayamba, ngongole yophunzitsira mchimwene kapena mlongo wanu, kapena vuto lililonse lazachuma lomwe mukuwona kuti ndilofunika kuti mnzanu adziwe.
Osachita zachinyengo ndi mnzanu. Powuzana za mavuto anu azachuma, mutha kudziwa momwe mungathetsere mavutowa limodzi.
4. Kunyalanyaza zolinga zandalama
Tsopano, ichi ndichinthu chomwe chitha kukhala cholakwika chachuma kwanthawi yayitali.
Ngati inu, ngati banja, simusankha zolinga zanu munthawi yoyenera, zitha kukuwonongerani ndalama zambiri posachedwa.
Payekha, nonse mumadziwana bwino, malinga ndi zomwe mukufuna pamoyo wanu. Zitha kuchitika kuti mwina mukuganiza zogula nyumba posachedwa, koma mnzanu akufuna kugula galimoto.
Chifukwa chake pano pangakhale kuwombana kwa zolinga zamtsogolo, zomwe zitha kuthetsedwa posanyalanyaza zolinga za wina ndi mnzake ndikukambirana pasadakhale za izi.
5. Palibe ndalama
Tsopano, mutatha kulemba zolinga zanu zandalama papepala, pewani zolakwika zachuma zongozisiya.
Limbani ntchito ndikusankha ndalama zomwe mukufuna kuphatikiza kuti mukwaniritse zolinga zanu zachuma.
Kungolankhula za ndalama koma osathandizira kuzinthu zenizeni, kumatha kubweretsa kusamvana pakati pa maanja.
6. Kuwononga ndalama osakambirana
Titha kunyalanyaza zochitika zosiyanasiyana, koma zisankho monga kusintha mipando yanu yakale, kupenta nyumba, kugula bwalo lamanyumba, kusintha ma AC anu, ndi zina zambiri popanda kukambirana nthawi zambiri kumabweretsa kusamvana kwakukulu.
Zitha kuchitika kuti mnzanuyo angakhale akukonzekera zina panthawiyo ndipo sangasangalale ndi lingaliro lanu.
Chifukwa chake, chabwino kwambiri pano ndikupewa kuwononga ndalama osalankhula za izo.
Monga banja, mutha kukambirana zomwe mungachite posankha ndalama mtsogolo.
Onerani kanemayu kuti mumve zambiri pakuphatikiza ndalama mutakwatirana:
7. Kugwiritsa ntchito kwambiri ma kirediti kadi
Kugwiritsa ntchito ma kirediti kadi pafupipafupi kuti musangalatse mnzanu kumatha kukupatsani ndalama zolipirira mwezi uliwonse. Izi zimalimbikitsa kufunikira kwakukonzekera ndalama kwa omwe angokwatirana kumene.
Nthawi zonse zimakhala zosangalatsa kupereka mphatso zamtengo wapatali, zodabwitsa kwa wokondedwa wanu monga angokwatirana kumene, koma kumbukirani, mutha kuimitsa izi.
Simungathe ndalama zanu zonse ndi ngongole zokondweretsa wokondedwa wanu.
Ngati mwadzidzidzi mwadzidzidzi mutabwera ndipo mwagwiritsa ntchito kale malire a makhadi a ngongole (omwe mudasungira pakagwa zoopsa), kapena ngati mu akaunti yanu mulibe ndalama zochepa, mungatani?
Chifukwa chake, pewani cholakwachi chazachuma chakuwononga ndalama. Gwiritsani ntchito zinthu zosavuta kudabwitsana wina ndi mnzake m'malo mongokwera mtengo kwambiri.
Tonsefe tili ndi gawo lathu lazolakwika zachuma, zowona, monga banja.
Koma, ngati timalemekeza upangiri wa wina ndi mnzake ndikulemekeza zomwe ena akuchita, zidzakhala banja losangalala lomwe mulibe zolakwika zochepa zachuma.