Zamkati
- Kodi ndizotheka kusudzulana pomwe mulibe ndalama?
- Kodi muyenera kuchita chiyani ngati mukufuna kusudzulana koma simungakwanitse?
- Njira 10 zosudzulana popanda ndalama
- 1. Khalani ogwirizana ndi omwe mudzakhale nawo posachedwa
- 2. Samalani mukamafuna thandizo loya
- 3. Zopanda phindu kapena thandizo lazamalamulo
- 4. Gwiritsani ntchito mkhalapakati
- 5. Malizitsani kulemba mapepala nokha
- 6. Kusankha kwa chisudzulo "chosavuta"
- 7. Kutulutsa ndalama kubwalo lamilandu
- 8. Funsani mnzanuyo za kulipira ndalama zomwe mwawononga
- 9. Mbiri ngati mwayi
- 10. Mulembeni ntchito wolemba milandu (wolemba mapepala)
- Maganizo omaliza
Kulekana ndi bwenzi lomwe pamapeto pake kumadzetsa chisudzulo kumabweretsa nkhawa kwa munthu aliyense, zomwe zimawonjezeka kwambiri kwa iwo omwe sangakwanitse kulipira.
Zikawonekeratu kuti kuyanjananso sichinthu chosankha, ndikofunikira kuyamba kufufuza kuti muphunzitse zosankha zothandizira kuti mudziwe momwe mungasudzulirane popanda ndalama pomwe maanja ali ndi ndalama zochepa.
Izi ziphatikizanso kulumikizana ndi kalaliki wa m'deralo kuti akupatseni zida zotheka ngati maloya omwe amapereka kuchotsera kapena ngakhale ma pro-bono osudzulana.
Ndizomvetsa chisoni kuti kusudzulana ndi yankho lokhalo, koma ululu umakulirakulira ndalama zikamayendetsa. Kuyika nthawi yowonjezera ndi kuyesetsa kukonzekera ndikofunikira kuti mtengo wake usakhale wokwera kwambiri.
Kodi ndizotheka kusudzulana pomwe mulibe ndalama?
Palibe amene amafuna kupilira ukwati, koma kuchita izi panthawi yomwe simungakwanitse kusudzulana kumangowonjezera mavuto. Ndalama zosakwanira siziyenera kulepheretsa anthu okwatirana kusudzulana, koma zimafunsa ambiri funso loti, "ndingapeze bwanji chisudzulo chaulere?"
Nthawi zina, kusadziwitsidwa kumatha kulepheretsa anthu kuti asatsatire zomwe akufuna. Momwemo, izi ziyenera kukhala zosavuta ngati pali mgwirizano wofunitsitsa kuthetsa chibwenzicho. Tsoka ilo, kusudzulana nthawi zambiri kumakhala kovuta, kutanthauza kuti kumawononga ndalama.
Padzakhala ndalama zolipirira mulandu paliponse pomwe woweruza akukhudzidwa, ndipo ngati muli ndi katundu wambiri, katundu wambiri, kapena ana angapo, mtengo wake ungakhale wokwera kwambiri. Koma chiyembekezo chonse sichitha. Pali zochitika zina zomwe mungapeze thandizo laulere la chisudzulo.
Pangakhalebe kuthekera kwa chisudzulo chaulere nthawi zonse, koma mutha kufunsa ndi khothi lanyumba kuti mupeze mwayi wopereka mayesowo pamtengo wotsika kapena popanda kugwiritsa ntchito loya waulere wosudzulana.
Chithandizocho chingakupatseninso malingaliro amomwe mungalembere chisudzulo kwaulere.Kafukufukuyu ndi wofuna nthawi yambiri, ndipo kuyesetsa kwake kungakhale kokwanira, koma ndikofunikira ngati mutachita bwino pamavuto anu.
Kodi muyenera kuchita chiyani ngati mukufuna kusudzulana koma simungakwanitse?
Palibe amene amakhazikitsa akaunti yosungira akakwatirana kuti mwina adzasudzulana. Izi zikutanthauza kuti zikafika poti kutha kwa chibwenzi, mwina ndi nkhani yothetsera banja, palibe ndalama zoti musamuke.
Kupatukana ndi kusudzulana kumatopetsa mtima. Aliyense amene akukumana ndi mavuto azachuma pamwamba pa izi sangalingalire kuti pakhoza kukhala njira zosiyanasiyana zomwe angathandizire, kapena kukonzekera kuyesayesa komwe kumatenga kapena kudziwa komwe angapeze upangiri.
Nthawi zambiri, maloya amilandu amapereka zokambirana zaulere zomwe zimayankha mgwirizanowu "Ndikufuna upangiri, ndipo ndilibe ndalama." Mutha kudabwitsidwa kufunitsitsa kwa katswiriyu kukhala loya waufulu wosudzulana.
Ena apereka ntchito zawo pro bono, osati onse, kachiwiri mphindi ina yokonzekera. Zochitikazo siziyenera kuwononga ndalama zanu, komabe.
Mukamawafunsira, pezani chidziwitso chochuluka momwe mungachitire ndikupanga bajeti yolola ndalama zomwe mungakhale nazo, kuphatikiza gawo loyimira loya ndi zolipira pambuyo pake, ndalama zaku khothi, ndi zolipiritsa zina mwina upangiri, etc.
Chinthu chimodzi choyenera kukumbukira Ngati mukudziwa kuti banja lanu lili pamavuto ndipo pali kuthekera kupatukana ndi kusudzulana pambuyo pake, ndibwino kuyamba kukonzekera zachuma.
- Chepetsani ndalama zosafunikira
- Zosungira zotseguka; ngati muli ndi kukweza kumodzi ku zopereka
- Pewani kugula kwakukulu kapena kuchita nawo ngongole zazitali
Izi sizikutanthauza kuti musiye kufufuza njira zolipirira loya wopanda ndalama. Zimangotanthauza kukonzekera kuti mukhale ndi chitetezo.
Njira 10 zosudzulana popanda ndalama
Mukakhala ndi ndalama zochepa kuti muthe kusudzulana, zimatha kupangitsa zomwe zili zopweteka kwambiri kukhala zovuta kupilira. Mwamwayi, pali njira zoyendetsera momwe mungasudzulire popanda ndalama kapena ndalama zochepa.
Muyenera kuyika mphamvu kuti mukonzekere ndikusaka zosankha zosiyanasiyana, koma palibe amene adati kusudzulana kungakhale kosavuta.
Zina zomwe mungachite kuti muchepetse mavuto azachuma ndi awa:
1. Khalani ogwirizana ndi omwe mudzakhale nawo posachedwa
Zinthu siziyenera kukhala zoyipa pakati pa inu nonse. Ngati mukukhalabe wachibadwidwe, zitha kupangitsa kuti ntchitoyi isasunthike ndikuthandizira kuchepetsa mtengo. Pomwe omwe akuchita nawo mgwirizanowu ndi ochezeka, Zoyeserera zimalepheretsa kuti ntchitoyi ikhale yotsutsana ndikupeza ndalama zambiri zalamulo.
Munthu aliyense akakhala wovomerezeka, loya sayenera kuyendetsa zinthu zotsutsana. Chisudzulo chosatsutsidwa ndichotsika mtengo kwambiri chokhala ndi ndalama zochepa komanso kutenga nawo mbali pazoyimira milandu.
2. Samalani mukamafuna thandizo loya
Poyesera kuphunzira kusudzulana popanda ndalama, anthu ambiri amafufuza maloya amilandu omwe amawathandiza pro bono. Kungakhale kovuta kupeza imodzi, koma mutafunsira ku bungwe lazamalo kapena khothi, mutha kudziwa zambiri zakuthekera kwanuko.
Mbali inayi, loya mosakayikira amakhala wotsika mtengo kwambiri. Komabe, kuchepetsedwa kwa chindapusa ndikotheka ngati mungopezerapo mwayi pazithandizozo pazinthu zina zokomera.
Apanso, pamene onse omwe asudzulana samatsutsana ndi izi, loya alibe ntchito zochepa. Ngati nonse awiri mungayesetse kuvomereza kusefa, zingokupindulitsani pamtengo.
Muthanso kufunsa kuti muchepetse mtengo kapena kuchotsera kutengera momwe muliri pachuma. Kungakhale kovuta kupeza imodzi yomwe ingavomereze kuchita izi, koma wina atha kukhala wofunitsitsa kukhazikitsa dongosolo m'malo mwa ndalama imodzi nthawi imodzi.
Izi zimalola kupumira mukamazolowera moyo wosakwatira.
3. Zopanda phindu kapena thandizo lazamalamulo
Ofesi yothandizira zamalamulo yakomweko ndi gwero labwino lodziwitsa anthu zakusudzulana ndi zolemba zomwe zikugwirizana ndi izi. Kuphatikiza apo, mabungwe azamalamulo m'boma lanu amatha kupereka chidziwitso chokhudza maloya omwe amatha kupereka ntchito zotsika mtengo kapena thandizo la pro bono.
Muthanso kufunafuna zopanda phindu zakomweko mdera lanu zomwe zingapereke maloya kwaodzipereka. Apa amakambirana ndipo atha kukulembera zolembalemba. Simudzapeza izi m'mizinda kapena zigawo zonse.
Koma masukulu alamulo am'deralo nthawi zambiri amakhala ndi zipatala zalamulo zotsika mtengo. Ndi izi, ophunzira amapeza chidziwitso popereka upangiri, ndipo nthawi zina, amatha kutenga milandu.
4. Gwiritsani ntchito mkhalapakati
Kugwiritsa ntchito mkhalapakati ndi njira ina yochepetsera bajeti yogwirira ntchito momwe mungasudzulire popanda ndalama. Ntchitozi zimagwira ntchito pothandiza nonse kuti muzitha kuvomereza kusagwirizana kwanu ngati izi sizofunikira.
Mkhalapakati ndi woimira amene akuphunzitsidwa kuthana ndi zovuta mwamtendere ndi chisankho chomwe nonse mungavomereze. Njirayi ilipira, koma imatha kukupulumutsirani pamalipiro ambiri amilandu pamilandu yosudzulana.
5. Malizitsani kulemba mapepala nokha
Ngati nonse muli ovomerezeka pazinthu zonse, njira yotsika mtengo yonse ingakhale
sungani zolemba zanu.
Pali chosowa chokha cholipira ndalama zaku khothi komanso zolipira. Mlembi wa boma akhoza kukupatsani mafomu ofunikira omwe mungapeze patsamba lawo.
Ngati mukuganiza momwe mungadutsire nokha, onerani kanemayu.
6. Kusankha kwa chisudzulo "chosavuta"
Kwa iwo omwe alibe chuma, sayenera kulandira ndalama, ndipo alibe ana, maulamuliro ena amalola olembetsa kuti adzalembetse "chisudzulo chosavuta," momwe mafomu amapezera kwa kazembe wa boma kuti adzaze.
Onsewo amapita kwa woweruza kuti athetse chisudzulo kapena mwina mutha kuyika zikalatazo ndikuziwonetsa osawonekera kutengera khothi.
7. Kutulutsa ndalama kubwalo lamilandu
Mabwalo amilandu yamabanja amapereka njira zochotsera zolipirira kuti athe kuchotsera zolipiritsa ngati kasitomala ali wosauka kwenikweni. Muyenera kulumikizana ndi ofesi ya alembi kapena a Legal Aid mdera lanu kuti mumve zambiri za momwe mungaperekere ndalama kuboma lanu.
Izi zimakhazikitsidwa molingana ndi kuchuluka kwa ndalama, zomwe muyenera kutsimikizira kukhothi. Kupotozedwa kulikonse ndi khothi.
8. Funsani mnzanuyo za kulipira ndalama zomwe mwawononga
Lankhulani ndi mnzanu ngati mukuyesera kudziwa momwe mungasudzulire popanda ndalama. Nthawi zomwe okwatirana amakhala ogwirizana, ndipo wina akudziwa kuti mnzakeyo alibe ndalama, pakhoza kukhala lingaliro loti wokalambayo atengepo mbali pa chindapusa.
Ngati sichofunitsitsa, madera ambiri amalola zopempha zomwe khothi lalamula kuti munthu wina azilipira ndalama za loya pamilandu komanso pambuyo pake.
Ubwino wokhala ndi loya ndi akatswiri adzakulangizani za njirayi ngati simukudziwa ndipo akutsimikiziranso kuti zolipirazo zakwaniritsidwa.
9. Mbiri ngati mwayi
Ngati mukuyenera kugwira ntchito ndi loya chifukwa chakusamvana komwe kumayambitsa zotsutsana, ndalama zalamulo zitha kulipidwa ndi makhadi a kirediti kadi. Maloya amatenga macheke, ndalama, ndi ngongole. Muthanso kutenga ngongole kapena kubwereka ndalamazo ngati mungasankhe kuchokera kwa abale anu, abwenzi, anzanu ogwira nawo ntchito, kapena ngakhale kupeza ndalama.
Chokhacho chomwe muyenera kuganizira ndichakuti ndalama zomwe adabwereka zolipirira milandu amatchedwa "ngongole yakubanja," kutanthauza kuti pamapeto pake iyenera kugawidwa pakati pawo.
10. Mulembeni ntchito wolemba milandu (wolemba mapepala)
Kwa anthu omwe akuvutika chifukwa cholemba zikalata pawokha kapena sangapeze nthawi yoti apereke zikalata kukhothi, mutha kulembetsa aphungu, omwe amatchulidwanso kuti "wokonzekera zamalamulo." Kuchita izi ndi njira yodabwitsa yopulumutsira ndalama.
Woyang'anira milandu amaphunzitsidwa kumaliza zikalatazi ndikuphatikiza zojambulazo, kuphatikiza kuti achite ndalama zochepa kwambiri kuchokera kwa loya yemwe ali ndi zilolezo. Nthawi zambiri ndi woweruza milandu ku ofesi ya loya yemwe amasamalira zikalatazi ndikulemba zonse ndikumvetsetsa kwathunthu kwamomwe angagwirire ntchitoyi.
Maganizo omaliza
"Kodi ndingasudzule mwaulere" ndichinthu chomwe anthu ambiri amaganiza ikafika nthawi yothetsera banja lomwe lili ndi mavuto. Komabe, ndalama nthawi zambiri zimapangitsa kuthekera kosiya zovuta.
Mwamwayi, okwatirana ali ndi zinthu zomwe angathe kuchita kuti izi zitheke. Izi zitha kutsitsa zochitikazo pamtengo wotsika kapena mopanda mtengo ndikuwapangitsa kukhala opanda msoko.
Zingamveke ngati chisudzulo chosowa ndalama ndichinthu chosatheka, koma ndi khama lokwanira komanso nthawi yokwanira, mutha kudziwa momwe mungasudzulire popanda ndalama - pafupifupi ndalama.