Zamkati
- Kukonzekera kokhudzana ndi kakonzedwe kaukwati ka okwatirana
- 1. Gulu la ukwati
- 2. Malo ochitira ukwati
- 3. Zovala zaukwati
- Zokonda zomwe zimawonedwa mukamagula mphete za engorgement
- Njira zopezera ndalama mu mphete yaukwati pamwambowu
- 1. Kuyambitsa koyambirira kwa mapulani azachuma
- 2. Poganizira za kuchuluka kwa chuma pakukonzekera ukwati
- 3. Kulankhula mosabisa mawu pankhani ya ndalama
Chisangalalo chochuluka ndi chisangalalo nthawi zambiri zimatsagana ndi ukwati womwe umakondwerera mgwirizano wa anthu awiriwa.
Kukonzekera kwaukwati kumayambira tsiku loti ukwati usanachitike. Mavalidwe, malo, phwando laukwati, ndi zina zambiri ziyenera kulinganizidwa kuti banja likhale chikondwerero chenicheni cha chikondi.
Anthu amakonda kukwatira pamaso pa okondedwa awo. Kupezeka kwa abale ndi abale kumapangitsa kuti mwambowu ukhale wosangalatsa komanso wapadera.
Chifukwa chake, sabata laukwati nthawi zambiri limakhala lolimba, ndipo ntchito zosiyanasiyana zimayenera kupangidwa kuti apange ukwati wosaiwalika.
Kukonzekera kokhudzana ndi kakonzedwe kaukwati ka okwatirana
Pakukonzekera ukwati, zimawoneka kuti pali zinthu zingapo zomwe ziyenera kugulidwa.
Phwando laukwati limaphatikizaponso kulipidwa kwa ndalama zambiri. Ndalama mosakayikira ndizofunikira pokonzekera phwando lalikulu laukwati kuti mamembala onse azisangalala ndi ukwatiwo ndi mtima wonse.
Madera omwe ndalama zimagwiritsidwa ntchito pokonzekera ukwati ndi awa -
1. Gulu la ukwati
Ukwati nthawi zambiri umatsagana ndi phwando pomwe alendo onse amasangalala ndikusambitsa madalitso awo kwa okwatirana kumene.
Phwandolo liyenera kukhala lokonzedwa mwadongosolo kuti pakhale chakudya chokwanira kuchitira alendo. Menyu imayenera kuganiziridwa malinga ndi kukoma kwa alendo obwera. Kawirikawiri mphatso zobwezera zimakonzedwa kwa alendo omwe atsimikizira ukwatiwo.
Ndizosankha koma nthawi zina zimakhala mbali ya mwambo.
Chifukwa chake ndalama zambiri zimayenera kuikidwa kuti zithandizire pokonzekera phwando labwino laukwati.
2. Malo ochitira ukwati
Malo ochitira ukwatiwo ndi ofunika kwambiri.
Ngati malowo amasungidwa m'nyumba ya munthu, ndiye kuti zokongoletsa zoyenera ziyenera kuchitidwa pokongoletsa malo kuti aziwoneka ngati malo achikwati osati ngati chipinda wamba.
Komabe, ngati malo apadera adzasungidwira ukwati, ndiye kuti ndalama zowonjezera ziyenera kuperekedwa pazomwezo.
3. Zovala zaukwati
Chovalacho ndichofunika kwambiri, ndipo akwatibwi ambiri amavala zovala zoyera zowoneka bwino paukwatiwo.
Mavalidwewa amafunikira gawo lalikulu lazachuma chaukwati.
Chovalacho chikhoza kukhala chosavuta kapena chopangidwa mwaluso, koma anthu ambiri amakonda kupangitsa tsiku laukwati kukhala lapadera mwa kuvala diresi yapadera kwambiri yaukwati.
Zokonda zomwe zimawonedwa mukamagula mphete za engorgement
Mphete zaukwati zomwe ziyenera kusinthana pa Guwa la nsembe pamwambowu zimasankhidwa poganizira za kukoma kwa mkwati ndi mkwati.
Komabe kungodziwa kukoma kwake sikokwanira chifukwa ngati mphete yodula kwambiri igulidwa, ndiye kuti zitha kukhala zovuta kubweza ndalama zomwe mwabwezera kuti mupeze mpheteyo.
Si zachilendo kugula mphete yomwe imaposa ndalama zomwe zilipo mothandizidwa ndi ngongole. Anthu ambiri amafuna kuti tsikuli likhale lapadera, ndipo mphete ya chinkhoswe idzakhalabe pachala chaching'ono bola ukwatiwo ukhale wolimba.
Chifukwa chake ndizofanana ndikudzipereka kwa moyo wonse ndichifukwa chake anthu ambiri amakonda kuwononga ndalama zambiri pamphete.
Komabe, kutenga ngongole yogula mphete ya chinkhoswe kumadzetsa mavuto pambuyo pake chifukwa sabata laukwati ladzala ndi ndalama zambiri ndipo atangokwatirana kumene kumakhala kovuta kubweza ngongole yopanda chitetezo yomwe yatengedwa pogula mphete ya chinkhoswe.
Chifukwa chake nthawi zonse kumakhala kwanzeru kukonzekera pasadakhale kuti muzisunga zomwe mukugula mu bajeti yaukwati.
Njira zopezera ndalama mu mphete yaukwati pamwambowu
Ngati ukwati uli pamakadi ndiye kuti m'malo mofunafuna ngongole yogulira mphete yaukwati, ndizomveka kuyambitsa dongosolo lopeza ndalama zopezera mphete yabwino kwambiri.
Izi zitha kuchitika potsatira njira zolembedwera:
1. Kuyambitsa koyambirira kwa mapulani azachuma
Ukwati ndichinthu chomwe chimadziwika kuti ndi mphindi yokongola kwambiri m'moyo wamunthu.
Makonzedwe a ukwati potengera ndalama zomwe zikuwonjezeka akuyenera kuyamba ukwati usanachitike.
Wina akhoza kuyamba kuyika ndalama zapadera nthawi ndi nthawi ndikuziyika moyenera. Izi ziyenera kusungidwa makamaka pogula miyala yamtengo wapatali yaukwati nthawi ikafika.
Kupezeka kwa thumba lazachuma kudzachepetsa kwambiri mwayi wa ngongole yomwe iyenera kutengedwa pokonzekera ukwati.
2. Poganizira za kuchuluka kwa chuma pakukonzekera ukwati
Chizolowezi cha anthu opitilira muyeso pomwe amakwaniritsa zolowa paukwati sizodziwika, koma sizitanthauza kuti munthu azingogwiritsa ntchito ndalama mosaganizira za chuma.
Luso lazachuma la munthuyo liyenera kuganiziridwa nthawi zonse musanakhazikitse bajeti yokonzekera ukwati ndi kugula mphete za chinkhoswe.
Kuwononga ndalama zambiri pa mphete yaukwati kumangobweretsa mavuto azachuma pambuyo paukwati.
Chifukwa chake zenizeni zakuthekera kwachuma ziyenera kukhala zofunikira kwambiri pankhani yogula mphete zaukwati.
3. Kulankhula mosabisa mawu pankhani ya ndalama
Ukwati ndi mgwirizano wa anthu awiri ndipo aliyense m'banjamo akuyenera kumvetsetsa za mnzake zomwe zimaphatikizaponso chuma.
Ngati ali m'banja, munthu amayenera kubisa ndalama zake ndikukwaniritsa zolipiritsa zomwe zimakhala zamsonkho, ndiye kuti sungakhale banja losangalala. Munthuyo ayenera kukambirana momasuka maluso ake pankhani yokonzekera ukwati.
Chifukwa chake, ziyenera kumveka kuti ukwatiwo uyenera kuchitidwa tsiku limodzi ndipo ukwatiwo utenga nthawi yayitali.
Chifukwa chake, kudzilemetsa pachuma chopeza mphete yaukwati si chisankho chanzeru chokhala ndi banja lokhazikika.