Zamkati
- Mavuto apamwamba 5 azachuma m'mayanjano
- 1. Kusakhulupirika kwachuma
- 2. Makhalidwe osiyanasiyana, ndalama, chikhalidwe, chipembedzo, ndi umunthu
- 3. Kusamalira ana kapena abale ena
- 4. Ngongole
- 5. Kugawa ndalama
- Kodi ndalama zimakhudza bwanji maubwenzi: Nkhani yofunika kwambiri
- Malangizo othandiza kuthetsa ndewu zanyumba
- 1. Pangani bajeti pamwezi
- 2. Sankhani pamodzi
- 3. Tsatirani dongosolo
- Pomaliza
Ndalama ndizachikhalidwe komanso zopanda moyo.
Koma zambiri zomwe zimapangitsa kapena kusokoneza maubwenzi - makamaka ubale wapakati pa mwamuna ndi mkazi — zimakhudzana ndi ndalama.
Chimodzi mwazifukwa khumi zakusudzulana ndi nkhani zandalama. Kusudzulana pazifukwa zachuma nthawi zambiri kumakhala kovuta kuti maanja akambirane. Ubale umawonongeka chifukwa chomenya ndalama. Khalidwe la moyo limasintha kwa anthu omwe amakhala limodzi pakakhala kusagwirizana pamomwe angagwiritsire ntchito ndalama.
Ndiye, ndalama zimakhudza bwanji maubwenzi? Tiyeni tipeze.
Mavuto apamwamba 5 azachuma m'mayanjano
Ndalama zimawononga maubale, ngati sizikuyendetsedwa bwino. Zimatulutsa zabwino komanso zoyipa kwambiri m'maubale komanso mwa anthu. Mukamakhala nazo zambiri, zimatha kukhala zovuta komanso kukangana pazandalama zomwe zingayambitse ngati chibwenzicho chinali chovuta kuyamba.
Ngakhale mutakhala ndiubwenzi wabwino, kukhala ndi mavuto azachuma kumatha kubweretsa kupsinjika ndi zokhumudwitsa m'banja.
Kodi ndalama zimakhudza bwanji maubwenzi?
Nawa mavuto asanu apamwamba azachuma omwe mabanja angakumane nawo m'banja lawo, ndi momwe mavutowa amakhudzira ubale wapakati pa mwamuna ndi mkazi:
1. Kusakhulupirika kwachuma
Mnzanu akamachita zachinyengo momwe ndalama zimapezedwera ndikugwiritsidwa ntchito mnyumba kapena ngati mukubisira mnzanu ndalama, izi zitha kusokoneza kukhulupirirana ndi kudalirana pakati pa inu nonse.
Umu ndi momwe ndalama zimakhudzira maubale.
Zimasokoneza ubale m'magulu ambiri. Komabe, kulumikizana momasuka, momveka bwino pakugwiritsa ntchito ndalama zapakhomo kungathandize kwambiri kupewa izi.
2. Makhalidwe osiyanasiyana, ndalama, chikhalidwe, chipembedzo, ndi umunthu
Palibe anthu awiri ofanana ndendende. Pali kusiyana pakati pa inu ndi mnzanuyo, kaya ndi chikhalidwe, moyo, ndalama, zokhudzana ndi umunthu, kapena kusiyana kwachipembedzo.
Chifukwa chake, ndalama zimakhudza bwanji maubwenzi pomwe maukwati aanthu ndiosiyana?
Zonsezi zingakhudze momwe munthu amaonera ndikugwiritsa ntchito ndalama.
Pakati paubwenzi, izi zimatha kukhala zovuta. Kudziwa kusiyana pakati pa inu ndi mnzanu kungathandize nonse kupeza mayankho munthawi yazachuma zomwe zingakhutiritse aliyense.
3. Kusamalira ana kapena abale ena
Kulera ana kapena kusamalira achibale ndi momwe ndalama zimakhudzira maubwenzi. Itha kukhala ndalama zowonjezera, zomwe zingayambitse kusamvana pakati pa inu ndi mnzanu.
Kusamvana koteroko kumatha kukhumudwitsa chifukwa kumakhudzana ndi ana anu komanso inu kapena abale am'banja lanu.
Apanso, kulumikizana moona mtima komanso momveka bwino kumathandizira kuchepetsa mikangano ya ndalama pankhaniyi.
4. Ngongole
Ngongole ndi mavuto azachuma amtundu uliwonse amatha kuyambitsa mavuto pakati panu ndi mnzanu.
Wina wa inu akhoza kukhala akuyesa kutaya ndalama iliyonse momwe angathere kuti abweze ngongoleyo posachedwa, pomwe winayo atha kumasuka nazo. Apa ndipomwe kupanga bajeti ndikukhazikitsa zolinga limodzi zitha kukhala zofunikira.
5. Kugawa ndalama
Mabanja ena amakhala ndi ndalama zosiyana kwa anthu okwatirana ndipo amafuna kudziwa bwino ndalama zomwe muli nazo, zanga, ndi zomwe ndi "zathu". Mabanja ena amakhala omasuka kugwiritsa ntchito chuma chawo.
Lankhulani ndi mnzanu, ndipo kambiranani zomwe zingathandize banja lanu. Kusokonezeka ndi momwe mungagwiritsire ntchito ndalama ndi komwe mungapeze ndalama zitha kubweretsa zovuta zambiri muubwenzi!
Onani kanemayu pansipa pomwe maanja osiyanasiyana amafotokoza momwe amagawana ndalama zawo ndi kupeza maupangiri:
Kodi ndalama zimakhudza bwanji maubwenzi: Nkhani yofunika kwambiri
Mapeto ake, ndalama muubwenzi zimayambitsa mikangano chifukwa ndalama zimawonetsa zofunikira. Ndicho kusankha momwe ndalama, ndalama, komanso nthawi yogwiritsira ntchito ndalamazo zimakhalira. Izi zimatsimikizira kuchuluka komwe kumayikidwa mgulu la bajeti.
Ichi ndichifukwa chake kukambirana nkhani zandalama ndi mnzanu kapena mwana kumakhala kovuta. Simukungokangana za mphamvu ndi masenti. Mukuyesanso chimodzi mwazinthu zovuta kwambiri zomwe anthu awiri angathe kuchita - kulumikizana ndikumvetsetsa zomwe ena akuyika patsogolo komanso zolinga zawo komanso kuvomereza pa iwo.
Mukamagwira ntchito ndi wokondedwa wanu pa bajeti, sikuti mumangogwirira ntchito limodzi pa ndalama; mukukulitsa ubalewo pakumvetsetsa zomwe zili zofunika kwa mnzanuyo kapena kuchita zosiyana.
Muzochitika izi, nthawi zambiri pamakhala munthu wina wowononga chiwonetserochi. Zotsutsana zimakopa-ndipo monga momwe zimakhalira muubwenzi, momwemonso ndi momwe munthu aliyense amagwirira ntchito ndi ndalama.
Wina wa inu akhoza kukhala wowononga ndalama zambiri, pomwe winayo ndiwosunga ndalama. Wina amawona ndalama ngati chida chogwiritsa ntchito kupeza zinthu zambiri, kuchita zinthu zambiri, ndikusangalala ndi moyo mwachangu; winayo amawona ndalama ngati chinthu choti azimva kukhala otetezeka, chinthu chabwino kukhala nacho pakagwa zadzidzidzi ndi kugula kwakukulu.
Dziwani zakusiyanaku mukamayendetsa limodzi ndalama.
Malangizo othandiza kuthetsa ndewu zanyumba
Mukamvetsetsa momwe ndalama zimakhudzira maubwenzi komanso momwe zikukhalira zomwe zimayambitsa vuto laubwenzi wanu, mudzatha kuthana ndi vutoli bwino. Nazi njira zina zokuthandizani kuthana ndi mavuto azachuma omwe mumakhala nawo nthawi zonse ndi mnzanu:
1. Pangani bajeti pamwezi
Khalani pansi ndi mnzanu kumapeto kapena kumayambiriro kwa mwezi uliwonse, ndikukambirana gawo lirilonse la bajeti- ndalama, ndalama, ndalama zomwe mwasunga, ndalama zomwe mumagwiritsa ntchito, ndi ndalama zomwe mumagwiritsa ntchito.
Zambiri ndizofunika! Pita ku dola kapena senti, ndipo onetsetsani kuti nonse muli patsamba limodzi.
2. Sankhani pamodzi
Nonse muyenera kukhala ndi gawo mu bajeti.
Owononga! Yesetsani kuyamikira kuyendetsa ndalama zomwe mnzanuyo ali nazo. Onetsani kuyamikira kwanu povomereza, kunena, kukhala ndi zochulukirapo pazosunga kuposa momwe mumagwiritsira ntchito.
Opulumutsa! Pangani bajeti kukhala yosangalatsa kwa theka lanu lina. Apatseni malo oti asinthe chinthu chimodzi pa bajeti zonse zitatha — inde pamene bajeti yakwanira kale.
Pamene nonse mupange chisankho pamomwe mungagwiritsire ntchito ndalama pabanja panu, izi zingathandize nonsenu kutsatira ndondomekoyo.
3. Tsatirani dongosolo
Tsatirani dongosolo. Kungakhale bajeti yabwino kwambiri kapena tchati chopeza ndalama zochepa chomwe chikukuwuzani momwe mungagwiritsire ntchito sabata ino ndi zomwe muyenera kulipirira. Koma nonse muyenera kudzipereka kuti muchite zomwezo.
Khalani owerengera wina ndi mnzake pakuchita misonkhano yokhazikika ya komiti.
Pomaliza
Ubale ndi ndalama zonse ndi nyama zoterera. Pamodzi, amatha kupweteketsa mutu komanso kupweteka mtima ngati anthu alephera kumvetsetsa momwe ndalama zimakhudzira maubwenzi ndikuthana ndi mavutowo.