Zamkati
- Kufunika kwa ndalama muukwati
- Mavuto azachuma omwe amatsogolera kusudzulana
- 1. Kusiyana kwa moyo
- 2. Kusiyana kwa malipiro
- 3. Kusakhulupirika kwachuma
- 4. Zoyembekeza zosatheka
- 5. Nsanje ya moyo
- Kulimbana ndi mavuto azachuma m'banja
“Ndalama sizingagule chimwemwe.” Mawu achidule, mawu omwe ambirife timadziwa ndipo ena a ife tikhoza kuvomereza izi, ena amathanso kutsutsa zenizeni zakuti mavuto azachuma amakhudza bwanji banja.
Okwatirana omwe amakangana pankhani zandalama siachilendo, chifukwa mutha kudziwa munthu yemwe akukumana ndi mavuto amtunduwu m'banja lawo kapena mwina inunso mutha kukhala ndi mutuwu.
Banja lililonse limakhala ndi mayesero ake ndipo zikafika pamavuto azachuma, mungathane nazo bwanji ndikupangitsa banja lanu kukhala lolimba?
Kufunika kwa ndalama muukwati
Tonsefe timadziwa kuti ndalama sizingagule chisangalalo ndipo inde ndizoona koma mawuwa akukhudzanso zochitika zosiyanasiyana.
Sizinena kuti ndalama si zofunika chifukwa zingakhale zosatheka.
Ndalama ndizofunika, sitingathe kuchita chilichonse popanda izi, ndichifukwa chake zovuta zachuma mwina vuto lalikulu kwambiri kwa ife achikulire.
Mavuto azachuma amapangitsa kuti ambiri a ife tipeze ndalama ndikusunga, ndichifukwa chake asanamange mfundozo, ayenera kuwonetsetsa kuti nawonso ali okonzeka pazachuma.
Ngati sichoncho, ndiye kuti kuyembekezera mavuto azachuma m'banja ndikuphunzira momwe mavuto azachuma amakhudzira banja sizingakhale zophweka.
Pamodzi ndi zofunikira zonse zomwe tili nazo, ndalama ndi ukwati ndizolumikizidwa.
Kuyambira mphete zaukwati kupita kuukwati womwe, muyenera kusunga ndalama. Ukwati umatanthawuza kuti mudzayamba banja lanu ndipo sizovuta, kuyambira kukhazikitsa nyumba yanu, galimoto, ndikulera ana kungafune ntchito yokhazikika yomwe itanthauza kuyendetsa bwino ndalama.
Mavuto azachuma m'banja ndi abwinobwino.
Ndizosatheka kuti musakhale ndi mavuto azachuma anu makamaka pakagwa zadzidzidzi zomwe mungaganizire koma momwe mavuto azachuma amakhudzira banja omwe angabweretse mgwirizano wolimba kapena mavuto amabanja.
Mavuto azachuma omwe amatsogolera kusudzulana
Ndi liti pamene nkhani zandalama zimawononga?
Chowonadi nchakuti, mavuto azachuma amayambitsa chisudzulo ndipo maanja ambiri amapatukana ndikuphunzira kusiya maloto awo chifukwa choti kuthana ndi mavuto azachuma m'banja kwasokoneza banja lawo.
Izi ndizofala kwambiri zachuma m'banja zomwe zingayambitse kusamvana ndipo pamapeto pake, kusudzulana.
1. Kusiyana kwa moyo
Okwatirana ali ndi zosiyana ndipo ndizabwinobwino. Ndi momwe mumazigonjetsera ndikukumana ndi theka koma tikuyenera kumvetsetsa kuti kusiyana kwa moyo ndi chimodzi mwazinthu zomwe ndizovuta kuthana nazo.
Kodi mungatani ngati mumakonda kuchita bajeti ndipo mnzanuyo amakonda zinthu zosindikizidwa?
Ngati simukhalapo kuti muthandizire kukoma kwa okondedwa wanu ndiye kuti izi zitha kukhala vuto. Ngati mumatero ndipo simukusangalala nazo, mumayamba kukhumudwitsa zosankha ndi umunthu wa mnzanu kwathunthu.
2. Kusiyana kwa malipiro
Zovuta zachuma m'banja zitha kubwera chifukwa chokhala ndi malipiro osiyana.
Wina angaganize kuti ndichopanda chilungamo kukhala ndi gawo lalikulu lazogulira. Zitha kupangitsa kudzimva kukhala wotopa ndikukhuta.
Momwe zovuta zachuma zimakhudzira banja zimadaliranso momwe mumawonera udindo wanu m'banja. Kodi mumadziona kuti ndinu amene amasamalira banja? Ngati ndi choncho, kodi muli bwino mukuyenera kulipira ndalama zambiri?
3. Kusakhulupirika kwachuma
Kudzipatsa nthawi yopuma nthawi zina ndibwino.
Mavuto azachuma ndi okwatirana azikhala alipo choncho ndizabwino kuti ugule china chabwino chosintha koma nanga zitakhala chizolowezi?
Bwanji ngati mutayamba kuchita zosakhulupirika pachuma? Mumatenga 10 kapena 20% pamalipiro anu kuti mukhale ndi bajeti yanu yachinsinsi pazinthu zomwe mumakonda?
Izi zitha kuwoneka zomasula kwa ena koma mukazipeza, zingayambitsenso mavuto akulu.
4. Zoyembekeza zosatheka
Pamene mudakwatirana, mudalota zokhala ndi moyo wabwino?
Kodi mumayembekezera kuti mukwaniritsa zolinga zanu zachuma mkati mwa zaka 5? Bwanji ngati sizinachitike? Bwanji ngati simukanatha kugula galimoto yatsopano kapena kuyenda kawiri pachaka chifukwa cha mavuto azachuma?
Kodi mudzadana kale ndi banja lanu komanso mnzanu?
5. Nsanje ya moyo
Kukhala pabanja ndizofunika kwambiri pa chikondi, ulemu, chisangalalo komanso kutha kudziwa momwe mungathetsere mavuto azachuma omwe angabuke.
Kodi mumadzichitira nokha nsanje chifukwa cha anzanu? Kodi mukulakalaka mutakwanitsa kugula magalimoto awiri ndi nyumba ziwiri? Nsanje ya moyo ndi yofala ndipo ndichimodzi mwazinthu zomwe zingayambitse mavuto azachuma mbanja komanso momwe mumaonera moyo wanu.
Kulimbana ndi mavuto azachuma m'banja
Mavuto okwatirana ndi ndalama azikhala alipo nthawi zonse, inde padzakhala mayesero m'banja mwanu. Momwe mavuto azachuma amakhudzira banja atengera momwe inu ndi mnzanuyo mudzakumanirane ndi mavuto omwe moyo wanu ungakupatseni.
Kodi mulola kuti kusiyana kwanu kukugonjetseni kapena mungakumane nawo ngati othandizana nawo?
Ukwati ndi mgwirizano ndipo kudzera munjira izi, mutha:
- Phunzirani kukhala moyo wanu molingana ndi zomwe mumapeza. Zilibe kanthu ngati mudazolowera kale zinthu. Uwu ndi moyo wanu tsopano komanso kusintha pazomwe mungakwanitse sikukudzikwaniritsa nokha - ndiko kukhala anzeru.
- Pofuna kupewa mikangano, osagwiritsa ntchito lamulo lanu "lanu" ndi "langa" m'malo mwake ndi lathu "lathu". Ndinu wokwatira ndipo banja ndi mgwirizano.
- Osayamba kunamizira ndalama. Sichidzakuthandizani konse. Monga kusakhulupirika kwamtundu uliwonse, kusunga zinsinsi nthawi zonse sikulemekezedwa. Uzani mnzanu ngati mukufuna china chake, ngati mungakwanitse, bwanji? Ngati simungathe, mwina sungani ndalama zanu.
- Yang'anani pa bajeti ndikukhala ndi zolinga. Gwiritsani ntchito limodzi kenako nonse awiri muwona momwe mungasinthire komanso momwe mungasungire pang'ono kuti musangalale. Musamayembekezere zochulukirapo komanso koposa zonse, musamachitire nsanje mabanja ena. Dziyamikeni nokha ndi mnzanu chifukwa chochita bwino m'malo mwake.
Momwe mavuto azachuma amakhudzira banja zonse zili kwa inu. Kodi mungalole kuti ziwononge kukhulupirirana kwanu, chikondi, ndi kulingalira kapena kodi mugwirira ntchito limodzi ndikukambirana zopitilira zovuta zilizonse zomwe mukukumana nazo pachuma?