Zamkati
- 1. Kambiranani ndikukonzekera zolinga zanu zandalama
- 2. Lowani nawo ndalama zanu
- 3. Kuthandizana kupita patsogolo
Kwa okwatirana, Tsiku la Valentine nthawi zambiri limaphatikizapo chokoleti, maluwa, chakudya chamadzulo, ndi mphatso zabwino - zonse zomwe zimawonetsera kuwonetsera mtengo kwambiri kwa chikondi. Malinga ndi National Retail Foundation, ndalama za Tsiku la Valentine zikuyembekezeka kupitirira $ 20 biliyoni chaka chino.
M'malo mowononga madola mazana pa Tsiku la Valentine, inu ndi mnzanuyo mutha kuwonetsa kuchuluka kwa zomwe mumakondana popanga ndalama izi limodzi.
Gawo labwino kwambiri:
Mukuthandizana kukonza miyoyo yazachuma wina ndi mnzake - njira yopindulitsa kwambiri yosangalalira kukondana kwanu.
1. Kambiranani ndikukonzekera zolinga zanu zandalama
Gwiritsani ntchito mwayi uwu kukambirana za ndalama za wina ndi mnzake komanso zolinga zachuma.
Lankhulani za ubale wanu ndi ndalama zanu, mapulani anu pantchito, ndi zomwe mukufuna kukwaniritsa pamawonekedwe azachuma.
Onani:
Ndalama ndi nkhani yovuta pakati pa aliyense, osati maanja okha. Mutuwu nthawi zambiri umakhala wazowopsa.
Kutha kuwulula ndikugawana momwe mulili pachuma ndi malingaliro anu kumatha kukhala chinthu chachikulu chomangirira kukhulupirika.
Pitani patsamba lomweli pazachuma komanso moyenera chifukwa ndalama nthawi zambiri ndizomwe zimapangitsa kuti maubale asamagwire ntchito pamapeto pake.
2. Lowani nawo ndalama zanu
Onetsani kudzipereka kwanu kwa ena ofunika pachitapo kanthu kuphatikiza ndalama mwanjira ina iliyonse.
Zitha kuphatikizira:
- Kusunthira limodzi
- Kutsegula akaunti yakubanki yolumikizana
- Kupanga bajeti limodzi
Pali kuwonekera kwakukulu kofunikira pazochitika zandalama izi.
Mwachitsanzo, kusunthira limodzi ndi gawo lalikulu pamaganizidwe ndi zachuma. Mukukhalirana ndipo izi zitha kutanthauza kugawa zolipirira ndi zina zofunika zandalama.
Kuchokera pachithunzi chokulirapo, kusunthaku kumatha kukulitsa ndalama kwa inu ndi mnzanu chifukwa ndalama zomwe mumagawana ndizotsika kuposa kukhala padera.
Kapenanso, ngati mutsegula akaunti yakubanki yolumikizana, mumawulula zomwe mumagwiritsa ntchito ndi ndalama zomwe zimakakamiza wina ndi mnzake kukwaniritsa zolinga zomwe mwina zidayamba. Zikuwonetsa kuti onse awiri ali okonzeka kusintha ndalama zawo kuti athandize ubalewo.
3. Kuthandizana kupita patsogolo
Kodi pali zolakwika zilizonse mwa inu kapena momwe ndalama za mnzanu zimakhalira? Kodi mungathandizane kupita patsogolo m'njira yoyenera?
Mutha kudzipereka kuthandizana:
- Limbikitsani zambiri za ngongole
- Gwiritsani ntchito bwino ngongole
- Unikani mbiri yazachuma
Ngati pali malingaliro okwatirana ndikugula nyumba limodzi, chiwongola dzanja chachikulu ndichofunikira kwambiri ku ngongole zazikulu zilizonse zofunika mtsogolo. Ndipo, kukhazikitsa mbiri yabwino kumatha kutenga nthawi.
Njira imodzi yothandizira mnzanu kumanga ngongole ndikuwonjezera monga wogwiritsa ntchito pa kirediti kadi, zomwe zingamuthandize kupeza ngongole zake.
Vuto lina lazachuma kwa anthu ambiri ndi ngongole, makamaka kuchuluka kwa chiwongola dzanja chambiri. Ndi gwero la kupsyinjika - ndipo kupumula kwa kupsinjika kumeneku kungakhale "mphatso" yayikulu ya tsiku la Valentine. Khalani pansi ndikuwunika ngongole za wina ndi mnzake kuti muwone ngati pali njira zothetsera ngongole bwino. Kodi ngongole zikulipidwa m'njira yomwe ingapangitse ndalama $ 0? Kodi ndizomveka kuti m'modzi wa inu aphatikize ngongolezo kuti zichepetse chiwongola dzanja?
Pomaliza, yang'anani momwe inu ndi mnzanu mukuyendera ndalama. Tsutsani mbiri ya wina ndi mzake pakagawidwe kakatundu, kulolerana pachiwopsezo, zolipirira ndalama, komanso mwayi wamisonkho. Kodi m'modzi wa inu mumachita malonda kwambiri pamsika umodzi? Kodi mukuwona ndalama zotsika mtengo kapena ma ETF omwe angalowe m'malo mwa zomwe mwapeza kale? Kodi akaunti ya munthu wopuma pantchito (IRA) ikusowa pantchitoyo?
Mapeto ake, kusunthaku kumakhudza ubale womwe uli ndi malingaliro abwino andalama. Ndipo, atha kukhala gawo logwira mtima kwambiri pa Tsiku la Valentine kuposa kusinthana kwa zinthu zakuthupi.