Zamkati
- Zovuta zachuma poyamba
- Kulephera kukonzekera zamtsogolo
- Kusamalira ngongole, ngongole, kubweza
- Kugawana phindu
- Kudalira ndalama
- Tsopano kukwera kwachuma
- Kusintha kwachuma
- Zolemba ngongole
- Kusunga ndi kusungitsa ndalama
- Kutheka kwachuma
Funso lokhudza kukwera kwachuma komanso kuchepa kwachuma wokhala ndi bwenzi losakwatirana ndi lomwe anthu ochepa amafunsa. Izi zimachitika chifukwa banja lomwe limakhalira limodzi limakhala ndi zinthu zina zingapo m'malingaliro ndipo nkhani zandalama zimatsitsidwa kumpando wakumbuyo.
Ngakhale kukhala ndi mnzanu wosakwatirana sikutanthauza kudzipereka kwakukulu, kumakhala ndi zovuta zambiri zachuma komanso zovuta, poyerekeza ndiukwati.
Amayamba makamaka chifukwa chakusadzipereka kwakanthawi pachibwenzi. Chifukwa chake, ndibwino kuti mudziwe zina mwazabwino ndi zoyipa zomwe zingakuthandizeni kuyendetsa bwino chuma chanu.
Zovuta zachuma poyamba
Mosakayikira, pali zovuta zingapo zachuma mukamakhala ndi mnzanu wosakwatirana. Komabe, ndalama ndiye gawo limodzi lokha lalikulu lomwe limathandizira kutha kwa maubwenzi, kuphatikiza maukwati.
Kulephera kukonzekera zamtsogolo
Izi ndizowopseza kwambiri ndalama kwa anthu omwe akukhala ndi omwe sanakwatirane nawo: sangathe kupanga mapulani azachuma amtsogolo mwawo.
Kusatsimikizika kumakhalapo pazinthu monga kutenga ngongole yanyumba, kusungitsa ndalama zambiri ndikukonzekera kupuma pantchito, pakati pa ena.
Ngati mutenga ngongole yanyumba, muyenera kusankha zochepa poti simungaganizire za omwe sanakwatirane.
Kuphatikiza apo, ndalama zomwe zasungidwa zimadalira ndalama zanu zokha. Kubwezera pazosunga ndi zosungira ndizofanana ndi zomwe mudasunga. Chifukwa chake, kusungitsa ndalama zochepa kumatanthauza kubweza zochepa.
Kukonzekera kupuma pantchito kumayambanso chifukwa cha kusakhazikika komwe kumachitika chifukwa chokhala ndi mnzanu wosakwatirana.
Muyenera kudalira ndalama zanu kuti mugule mapulani opuma pantchito, ndi ndalama zochepa komanso zotsatira zochepa.
Kusamalira ngongole, ngongole, kubweza
Mavuto azachuma okhala ndi mnzake wosakwatirana amawonekera mukamapereka ngongole, ngongole, komanso kubweza ngongole.
Ndi gwero limodzi lokha lopezera ndalama, mumakhala ndi nkhawa ndi kuchuluka kwa ndalama zomwe zimabweretsa ngongole popanda thandizo kuchokera kwa yemwe sanakwatirane naye.
Ngati zovuta zilizonse monga kuchotsedwa ntchito zitha kuchitika, mudzakakamizidwa kudalira ndalama zomwe mwasunga komanso kuyesetsa kwanu kukhalabe ndi mbiri yangongole yangongole?
Kupeza ntchito nthawi zina kumatha milungu ingapo ngati si miyezi. Mpaka nthawi ngati imeneyi, mutha kudalira mnzanu yemwe simunakwatirane naye pokhapokha pazofunikira monga chakudya, zovala, ndi pogona.
Pokhapokha ngati mnzake wosakwatirayo akufuna kuchita zowonjezerazo ndikukuthandizani kuti musadutse ndalama, mungafunike kupeza ntchito iliyonse yomwe ingakupatseni mwayi kwa omwe adakukongoletsani kwakanthawi.
Zotsatira zake, mutha kuyamba kugwira ntchito yolipira ndalama zochepa kuti muzingoyendetsa bwino mbiri yanu.
Kugawana phindu
Ngati mungayende limodzi ndi mnzanu wosakwatirana, adzafuna gawo lawo la ndalama ndi kubwerera. Amatha kufuna ndalama ndi phindu ngakhale chibwenzi chili chamoyo, kuti athane ndi zovuta zina kapena zikatha. Izi zikutanthauza kuti muyenera kusiya ndalama zilizonse zokhalitsa.
Kutuluka kunja kwa ndalama zazitali sikophweka. Zimaphatikizapo zilango zomwe zingawononge phindu lililonse.
Ngakhale mnzanu yemwe sanakwatirane sangakhale ndi vuto lililonse pocheperako, mutha kutaya ndalama zambiri chifukwa chosiya kusankhiratu kwa dongosolo lopulumutsa kwanthawi yayitali.
Zochitika zotere zingathenso kubweza ngongole yanyumba yomwe yatengedwa limodzi ndi mnzake wosakwatirana. Atapatukana, mnzakeyo afunanso kuti agawane. Pokhapokha mutakhala ndi ma buffers okwanira kulipira mnzanu yemwe simunakwatirane naye, mwayi wake, katunduyo amagulitsidwa. Kugulitsa mwachangu kungatanthauze phindu locheperako kapena kutayika kumene.
Kudalira ndalama
Muyenera kuthandizira mnzanu wosakwatirayo kupyola pamavuto azachuma pomwe chibwenzicho chikugwira ntchito. Kutaya mnzanu chifukwa cha mavuto azachuma omwe amadza pazifukwa zilizonse si machitidwe oyenera. Komanso salandiridwa mwamakhalidwe kapena pagulu.
Zovuta zakunja zidzakukakamizani kuti muthandizire mnzanu, ngakhale ndalama zanu zili zochepa.
Zinthu ngati izi zitha kubweretsa kuchedwa kulipira omwe amakongoletsani, kusungitsa ndalama ndikulipira milandu yokhudza kusamalira ana ndi chisamaliro.
Kuphatikiza apo, muyenera kuthandizira mnzanu wosakwatirayo popanda chiyembekezo chopeza ndalamazo. Izi zitha kuchitika ngati mnzanu wosakwatirana ali wolumala kapena akudwala matenda osachiritsika omwe amachititsa zolepheretsa pantchito kapena bizinesi.
Tsopano kukwera kwachuma
Komabe, kukhala ndi mnzanu wosakwatirana kumafunikira mavuto azachuma kwa aliyense. Pali zokweza zambiri zakukhala ndi mnzanu wosakwatirana.
Kusintha kwachuma
Kusintha kwakukulu kwakukhala ndi mnzanu wosakwatirana ndikusinthasintha kwachuma kosayerekezeka. Izi zikutanthauza kuti muli ndi mwayi wosankha kuchuluka kwa momwe mungagwiritsire ntchito ndalama zapakhomo monga chakudya, zofunikira, komanso zosangalatsa kuphatikiza ngongole za TV.
Kusinthasintha kwachuma kumatanthauza, simuyenera kupereka zifukwa zilizonse zolipirira ndalama monga chisamaliro cha mwana kapena chithandizo cha ana chomwe muyenera kulipira ngati zovomerezeka. Komanso simufunikira kufotokoza ndalama zomwe mumagwiritsa ntchito panthawi yopuma komanso kugula chifukwa kudzipereka ndi mnzanuyo kuli kochepa.
Zolemba ngongole
Wobwereketsa aliyense amafuna kuti muwone ngongole yanu ya ngongole musanapereke kirediti kadi kapena kubweza.
Ngati mungakhale ndi ngongole yabwino kwambiri yapa ngongole, ndizotheka kuti musasungire ndalama pobweza ngongole ndi ngongole yanyumba ndi mnzanu yemwe simunakwatirane naye.
Anthu okwatirana nthawi zambiri amakhala ndi ngongole ndi ngongole yanyumba limodzi. Amawunikidwa potengera momwe munthu amapangidwira ngongole yangongole palimodzi. Kukhala ndi mnzanu yemwe simunakwatirane naye kumakuthandizani kuti mupewe kukopeka ndi ndalama.
Kusunga ndi kusungitsa ndalama
Muli ndi ufulu wosunga ndikuwononga ndalama zanu m'mabanki kuti musungitse ndi zinthu zina popanda kufunsa chilolezo kwa mnzanu yemwe sanakwatirane naye.
Izi zimakuthandizani kuti mupange mbiri yazachuma mtsogolo ndikuthandizira pakupanga pantchito.
Kodi inu ndi mnzanu amene simunakwatirane musankhe kukwatirana nthawi ina pambuyo pake ndalama zanu zomwe mwasunga kuti mugwiritse ntchito kupindulana? Ikhoza kukulitsidwa ndikuphatikizanso mnzanu popeza ndiamuna kapena akazi anzanu ovomerezeka.
Kukhala ndi bwenzi losakwatirana kumakuthandizani kukonzekera zamtsogolo popanda kutengera mtundu wina wa ndalama. Mutha kusankha zolinga zanu zandalama komanso zolinga zanu.
Kutheka kwachuma
Kukhala ndi mnzanu wosakwatirana kumabweretsa mwayi wachuma.
Izi zikutanthauza kuti, mutha kusamutsa maakaunti anu akubanki ndi zomwe mumapereka kwa ena, ngati mungaganize zosamukira kudera lina kapena mukasankha ntchito zabwino ndikubwezerani. Simukusowa chilolezo cha mnzanu wosakwatirana popeza siomwe amasaina pazachuma chanu.
Kukhazikika kwachuma ndikofunikira kwa anthu azaka zikwizikwi komanso achichepere omwe akufuna ntchito zabwino komanso okonzeka kusamukira kumayiko ena kuti akapeze ntchito yabwino.
Ndizomveka kuti, sizingakhale zofunikira kwa nthawi yayitali kapena ngati mukukula msinkhu.
Pali zovuta zingapo zachuma ndikukhala ndi bwenzi losakwatirana. Komabe, izi ndizovuta kwambiri. Ubale umapangidwa pazifukwa zingapo osati ndalama zokha. Chifukwa chake, muyenera kufotokoza momwe mumayendetsera ndalama zanu ndikukhala ndi mnzanu wosakwatirana.