Zamkati
- Kodi ndalama zimakhudza bwanji maubwenzi
- Mu 1/3 mwa maanja omwe ali pa chibwenzi chimodzi wina adalimbikitsa mnzake kugwiritsa ntchito ndalama zochepa
- 18% adati wokondedwa wawo adawalimbikitsa kuti azigwiritsa ntchito zambiri
- Mwa okwatirana 32% samakhudza momwe wina amagwiritsira ntchito
- Kulankhula za izi ndi mnzanu
- 1. Pangani tsiku kuchokera
- 2. Khazikitsani cheke chokhazikika
- 3. Dziwani komwe nonse muli ofunitsitsa kunyengerera
- Powombetsa mkota
Ambiri a ife timafuna kukhala pachibwenzi chothandizana-chomwe anzathu amatulutsa zabwino kwambiri za ife.
Izi zitha kutanthauza kudzera muumoyo wanu, malingaliro anu, komanso machitidwe ena akukula. Mosakayikira, ndalama zimathandizanso kwambiri muubwenzi wathu. Kafukufuku wa Lexington Law amatsimikizira izi. Ndipo chifukwa ndalama ndi gawo lofunikira kwambiri m'banja lanu, ndichimodzi mwazomwe zimayambitsa kusamvana pakati pa maanja.
Kodi ndalama zimakhudza bwanji maubwenzi
Kafukufukuyu akuwonetsa kuti ngati banja limodzi kapena asanu akangana, osachepera theka la nthawi yomwe amakhala akukangana ndi ndalama. Kutsutsana pafupipafupi pankhaniyi kumawonjezera nkhawa muubwenzi. Kupsyinjika uku kumakula pakapita nthawi, kumayamba mkwiyo kapena kutha.
Popeza ndalama ndi gawo lalikulu laubwenzi wanu, muyenera kuwunika momwe kukhala ndi bwenzi kumakhudzira momwe inu ndi mnzanu mumagwiritsira ntchito ndalama.
Mwa mabanja omwe adafunsidwapo:
Mu 1/3 mwa maanja omwe ali pa chibwenzi chimodzi wina adalimbikitsa mnzake kugwiritsa ntchito ndalama zochepa
Mwanjira imeneyi, kukhala ndi bwenzi ndikopindulitsa ku akaunti yanu yakubanki. Nthawi zina, anthu omwe ali m'mayanjanowa amakhala ndi moyo wabwino-akadziwa kuti wokondedwa wawo ali ndiudindo pa ndalama zawo. Kodi mumakopa momwe mnzanu amagwiritsira ntchito ndalama kapena zimakukhudzani? Njira iliyonse ngati mungalimbikitsane kuti muchepetse ndalama zochepa, ndizofunika kwambiri pachuma chanu
18% adati wokondedwa wawo adawalimbikitsa kuti azigwiritsa ntchito zambiri
Pafupifupi 18 peresenti ya mabanjawa ndiomwe amati wokondedwa wawo ali ndi vuto ndi akaunti yawo yakubanki. Tsoka ilo, maanja omwe amadzimva kuti wokondedwa wawo alibe ndalama, samadzipereka kwenikweni pachibwenzi. Ngati wokondedwa wanu amawononga ndalama zambiri ndikukulimbikitsani kuti nanunso muchite chimodzimodzi, izi ndi momwe kagwiritsidwe ntchito ka mnzanu kamakhudzira chibwenzi chanu.
Mwa okwatirana 32% samakhudza momwe wina amagwiritsira ntchito
Kuyang'anitsitsa lamuloli kumawonetsa kuti omwe ali mgululi azaka za 45+ adanenanso kuti samakhudzidwa kwenikweni. Maanja okhwima amadziwa bwino momwe okwatirana ayenera kugawanirana ndalama.
Kulankhula za izi ndi mnzanu
Kwa mabanja ambiri, ndalama ndi nkhani yovuta. Ngati mumakhala ndi malingaliro osiyana, ndikosavuta kulola malingaliro anu kusokoneza ubale womwe muli nawo wina ndi mnzake. Koma kulumikizana ndikofunikira pamene nonse mukufuna kukonza.
Ngati nonse mumadziwa momwe ndalama zimayenera kuyendera muubwenzi, zimapangitsa kuti zikhale zosavuta kuti nonse muziyang'ana pazabwino zaubwenzi wanu.
Nazi njira zina zabwino zokhalira patsamba limodzi:
1. Pangani tsiku kuchokera
Gonjetsani zomwe zimachitika mukamayankhula za ndalama ndi wina wanu wofunikira, pakupanga tsiku. Kusintha zokambiranazi kukhala chibwenzi kumapangitsa kukhala kovuta kuchitapo kanthu, iyi ndi njira yabwino yokambirana momwe mnzanu amagwiritsira ntchito ndalama.
2. Khazikitsani cheke chokhazikika
Anthu 54% m'mabanja abwino amalankhula za ndalama tsiku lililonse kapena sabata iliyonse. Kufufuza pafupipafupi wina ndi mnzake, komwe kumalembedwa kalendala, kumapangitsa aliyense kukhala limodzi. Kusunga tabu panokha ndi momwe mnzanu amagwiritsira ntchito ndalama ndi njira yabwino.
3. Dziwani komwe nonse muli ofunitsitsa kunyengerera
Mwachitsanzo, ngati m'modzi wa inu amakonda mayina azinthu, lingalirani zogula kapena kugula kumsika. Mutha kusintha momwe inu ndi mnzanu mumagwiritsira ntchito ndalama posankha ndalama zambiri.
Powombetsa mkota
Ndalama zimathandiza kwambiri paubwenzi wanu komanso momwe mumagwiritsira ntchito ndalama. Koma chifukwa ndi choncho, sizitanthauza kuti muyenera kumangokhalira kukangana za ndalama ndi wokondedwa wanu. Kupsinjika kosathetsedwa kumatha kubweretsa chibwenzi chosweka.
Koma ngati mumafotokozera momveka bwino momwe anzanu amagwiritsira ntchito ndalama zanu ndikulankhulana bwino, muphunzira zambiri za momwe mumagwiritsira ntchito ndalama ndikupanga mgwirizano wolimba.