Zamkati
- Nkhani zachuma wamba pamaubwenzi
- 1. Kambiranani zoyembekeza zachuma
- 2. Konzekerani tsogolo lanu lazachuma
- 3. Pangani bajeti
- 4. Kuthana ndi mavuto azachuma mukamabadwa
- 5. Kumbukirani malumbiro anu aukwati
- Kuchita zinthu zomwe zingasokoneze banja
Mikangano yazachuma ndiye chifukwa choyamba kusudzulana ku United States. Chiyeso chachikulu kwambiri chomwe banja lililonse lingakumane nacho ndi momwe amathana ndi mavuto azachuma m'banja. Popeza kupewa nthawi zonse kumakhala bwino kuposa kuchiza, nazi njira zina zopewera mavuto azachuma m'banja lanu.
Koma tisanayang'ane njira zothetsera mavuto aukwati, tiyeni tione mavuto omwe amapezeka m'banja.
Nkhani zachuma wamba pamaubwenzi
- Kuzindikira mnzanuyo kuli ndi akaunti yachinsinsi kapena ngongole yobisika
- Ngongole zamankhwala zosayembekezereka chifukwa cha matenda a mnzawo
- Mmodzi wa inu amakongoza mnzake kapena wachibale wake ndalama, koma osabwezeredwa
- Kupereka kosagwirizana pamalipiro anyumba
- Mmodzi wa inu amene ali pantchito yosatetezeka kapena kuchotsedwa ntchito
- Inu kapena mnzanu mumakonda kugula zinthu mopupuluma
- Nonse muli pachipsinjo cha ngongole zonse
Momwe mungathetsere mavuto azachuma
Popeza mavuto azachuma komanso okwatirana amalumikizana kwambiri, nthawi zambiri maanja amafunafuna yankho lotsimikizika pafunso loti, "momwe mungasamalire ndalama m'banja?". Tsopano mutha kuthana ndi mavuto azachuma muukwati ndi malangizo awa pamavuto azachuma m'banja.
1. Kambiranani zoyembekeza zachuma
Ukwati umamangidwa pa ziyembekezo, ndipo nthawi zambiri maanja amaganiza za ziyembekezo za anzawo zomwe zingawononge banja lawo.
Ndikofunika kuti ngati banja mukhale pansi ndi kukambirana za chiyembekezo chachuma mbanja.
Kambiranani za ndalama zomwe muyenera kuwonongera, zomwe muyenera kugawana ndalama, ndani wa inu amene adzakhale ndi udindo wolipira ngongole, ndi zina zambiri.
Banja likamvetsetsa ziyembekezo zawo, mavuto azachuma m'banja amatha kuchepetsedwa kapena kupewedwa.
2. Konzekerani tsogolo lanu lazachuma
Ukwati ndi umodzi wa anthu awiri omwe amalonjeza kuti adzakhala ndi moyo wosatha. Kwamuyaya atha kuphatikizira ana, nyumba, magalimoto komanso kupita patsogolo kwamaphunziro. Kwamuyaya atha kuphatikizanso ulova, imfa, matenda ndi masoka achilengedwe.
Ndikofunikira kuti anthu okwatirana akhale ndi dongosolo lazachuma pazothekera zoipa komanso zomwe zimakhala zosangalatsa.
Kukonzekera kudzakupatsani pulani yothana ndi mavuto azachuma muukwati ndikuchepetsa kupsinjika kwa zinthu zosayembekezereka ndikuchotsa umbuli wamitengo yazomwe zachitika mmoyo uno.
3. Pangani bajeti
Kupanga bajeti kuyenera kukhala lamulo labwino kwa onse, koma zachisoni sizikhala choncho nthawi zonse, zomwe zimabweretsa mavuto azachuma m'banja.
Kupanga bajeti muukwati kumaphatikizaponso chiyembekezo cha mabanjawo ndi tsogolo lawo lazachuma, ndikupereka chitsogozo kwa banjali monga zosowa zachuma zimasinthira pakapita nthawi. Komanso werengani Maupangiri a Bajeti a Anthu Apabanja Posachedwa
Bajeti imakhazikitsa machitidwe azachuma, ndipo kuwongolera ndalama kumachotsa mavuto azachuma m'banja. Chifukwa chake pangani bajeti mwezi uliwonse kuphatikiza zonse zomwe mungapeze, polemba ndalama zonse ndikuwonetsetsa kuti ndalama zasungidwa.
Momwe mungapangire bajeti ngati banja osamenyana kwinaku mukuyerekeza zosowa za mnzanuyo ndi zanu?
Ndikofunika kuti mavuto azachuma m'banja asasokoneze ubale wanu komanso kukumbukira malangizowo othandizira banja, inu ndi mnzanu mudzakhala othetsa mavuto azachuma m'banja.
- Khazikitsani msonkhano wa bajeti sabata iliyonse kuti tikambirane za zolinga zandalama kuphatikiza kupulumutsa zolinga, ngongole, kugwiritsa ntchito ndalama, ndalama ndi njira zopangira ntchito yopindulitsa kwambiri.
- Khazikitsani fayilo ya thumba ladzidzidzi zomwe ziyenera kukhala zokwanira kuchuluka kwa nyumba zokwanira kubweza chaka chilichonse.
- Tsatirani malamulo oyendetsera bajeti nthawi zonse pezani zofunika kuposa zofuna m'banja.
- Pangani pulani yoti asamalire ndalama zaukwati pamodzi, ngakhale m'modzi mwa okwatirana abwere ndi ngongole yayikulu.
- Pangani njira ya ndondomeko yopuma pantchito ngati banja
4. Kuthana ndi mavuto azachuma mukamabadwa
Ngakhale mutakhazikitsa zoyembekezera, kukonzekera ndi bajeti, mavuto azachuma m'banja atha kubuka. Wina akhoza kukhala kuti wagwiritsa ntchito mopitilira muyeso m'mwezi umodzi kapena kuchotsera ndalama za wina.
Chifukwa chake, momwe mungathetsere mavuto azachuma m'banja, pomwe pali kusiyana pakukonzekera zachuma poyerekeza ndi kukwaniritsidwa kwa dongosololi?
Phunzirani momwe mungakambirane ndalama ndi mnzanu, modekha komanso moyenera.
Mavuto aukwati ndi ndalama samagwirizana.Ngakhale banja lanu likhale lolimba chotani, kumbukirani, zowona ndikuti kumenya nkhondo ndichimodzi mwazomwe zimayambitsa chisudzulo. Popeza mavuto azachuma amachititsa kusudzulana, maanja ndi ndalama zikuyenera kuyendera limodzi.
Ndikofunikira kukumbukira kuti ngati nkhani za ndalama sizikambidwa, ndiye njira yothetsera mavuto m'banja.
Kubisa nkhani iliyonse yazachuma kaya kuyambira kale, zamakono kapena zamtsogolo sizabwino m'banja. Mwakulumikizana, awiriwa amatha kulimba ndikupewa kusakhazikika kwachuma kapena mavuto ena azachuma mbanja.
5. Kumbukirani malumbiro anu aukwati
Patsiku lanu laukwati, mudalonjeza kuchita zabwino kapena zoyipa, ndipo lumbiroli liyenera kukhala lofunikira pazokambirana zachuma.
Sili chilolezo chokhala osasamala ndalama, koma ndikukukumbutsani mofatsa kuti chikondi chanu chidzakuthandizani kuthana ndi mavuto am'banja.
Nthawi zambiri mavuto azachuma omwe amadza m'banja samayembekezeredwa, monga kutaya ntchito, kumwalira m'banja kapena chithandizo chamankhwala mwadzidzidzi. Malonjezo anu, omwe mwakwaniritsa, adzakukonzekeretsani ndi zonse zomwe muyenera kuthana ndi kusatsimikizika kwachuma.
Kumbukirani kuti chinsinsi chothana ndi mavuto azachuma ndi kukhala patsamba limodzi ndi mnzanu pankhani zandalama. Pofuna kuthana ndi kusamvana pankhani zachuma, pezani upangiri wa maukwati azachuma.
Kuchita zinthu zomwe zingasokoneze banja
Mlangizi wazokwatirana pankhani zachuma komanso / kapena mphunzitsi wazachuma atha kukuthandizani kuthana ndi mavuto am'banja omwe amayamba ndi ndalama, zovuta za bajeti, kusakhulupirika kwachuma komanso zovuta zomwe zingayambitse mkwiyo pakati pa okwatirana.
Kuphunzira maphunziro a mabanja kapena maphunziro apabanja pa intaneti okhudzana ndi ndalama zaukwati kungathandizenso kukuthandizani kupeza yankho la funso lofunsidwa, "Kodi okwatirana amatenga bwanji ndalama?".
Tonsefe timafuna kuti maanja azingogwira ntchito komanso kuti chikondi chathu chikhale chokwanira, koma zowona ndizakuti aliyense ayenera kugwiritsa ntchito nthawi, mphamvu ndi kulumikizana kuti banja likhale lathanzi.