Zamkati
- 1. Pangani ndi kusunga bajeti yogwiritsira ntchito ndalama
- 2. Spreadsheet imodzi kuti muwalamulire onse
- 3. Sinthani ziyembekezo zanu
- 4. Muziganizira kwambiri zinthu zofunika kwambiri
- 5. Sungani nokha
- 6. Kukula kudzera mu zomwe mukumana nazo
Kusudzulana sikungokupweteketsani mtima, komanso ndalama.
Kupatula mtengo wa maloya ndi chindapusa, pamakhalanso mtengo wokhala mosiyana m'mabanja awiri. Nthawi zambiri, moyo umatsika pambuyo pa chisudzulo popeza ndalama zomwe zimakhalapo zochulukirachulukira tsopano zimayenera kuthandizira mabanja awiri osiyanasiyana.
Nthawi zambiri, anthu samakhala okonzekera izi ndipo amavutika kuti asinthe. Ndiye, mungatani, ndipo mumatha bwanji kupeza ndalama mutasudzulana?
Ngakhale zimawoneka ngati zowongoka pamapepala kuposa momwe zimakhalira, pali malangizo angapo omwe atha kukhala othandiza.
1. Pangani ndi kusunga bajeti yogwiritsira ntchito ndalama
Kusudzulana ndi nthawi yomwe muyenera kukhala osamala kwambiri ndi momwe mumagwiritsira ntchito ndalama zanu ndikuwonetsetsa kuti mukugwiritsa ntchito ndalama mwanzeru. Kuti muwonetsetse kuti simudumpha ndalama zilizonse, mungafune kuziyika mu spreadsheet.
Kuphatikiza apo, ndichanzeru kudalira abale, ndi abwenzi kuti awunikenso mndandanda wanu ndikuwonetsa zolakwika zilizonse. Mumakakamizidwa komanso kukhumudwa nthawi zina zomwe zingakhudze malingaliro anu. Chifukwa chake, chithandizo chamtunduwu chitha kuwonetsa zolakwika zisanachitike.
Mukazindikira kuti ndalama zomwe mumagwiritsa ntchito zimadutsa zomwe mumapeza, mutha kuganizira zomwe mungachite kenako - kuti muchepetse kapena mugwire ntchito yambiri.
Kunamizira kuti zonse zili bwino popanda kufufuza kwenikweni kungabweretse mavuto azachuma.
Ngati mukuzindikira kuti mumalipira zonse zomwe mwawononga ndipo zinthu sizikukhazikika, mutha kupumula ndikuyika ndalama kumbali. Komabe, ngati mukufuna ndalama zowonjezera mungafune kuganizira zomwe mungachite kuti musinthe.
Kodi mumatha bwanji kupeza ndalama mutasudzulana? Njira imodzi yothandiza ndikupanga mndandanda wazinthu zonse zomwe muli nazo zomwe simukuzigwiritsa ntchito kuposa kugulitsa. Kupatula kukupatsani ndalama mwachangu izi zipanganso nyumba. E-Bay ikhoza kukhala njira yabwino pazinthu zopanda mtengo, koma mungafune kupeza katswiri ngati mukuyesera kutsitsa chinthu chamtengo wapatali monga zaluso kapena zodzikongoletsera.
Umu ndi momwe mumapulumukira pachuma mutasudzulana.
2. Spreadsheet imodzi kuti muwalamulire onse
Pa nthawi ya chisudzulo, muyenera kudziwa zonse zomwe muli nazo (payekha komanso limodzi). Kuti muwone zomwe zimachitika ndi chuma, muyenera kudziwa zomwe muli nazo.
Chidziwitso ndi mphamvu ndipo chimatha kupewa kugwiritsidwa ntchito ndi wakale.
Kuphatikiza apo, izi zidzakuthandizani kukonzekera kugwiritsa ntchito bwino ndalama ndikupewa kukhala opanda ndalama. Mukadziwa zomwe mungadalire, mutha kukonzekera bwino. Dziwani ngati china ndi madzi kapena zopanda phindu. Nthawi zina zinthu zopanda pake, popeza zimakhala zovuta kugulitsa komanso zimafuna nthawi yochulukirapo kuti musinthe, sizili zofunika monga madzi.
Ndizodabwitsa kuti mtendere ndi mphamvu zingapezeke bwanji pokhala ndi chuma chonse, pamodzi ndi ndalama ndi ndalama zomwe zalembedwa ndikukonzekera kuwunikiranso. Kuyika chilichonse papepala limodzi kungakuthandizeni kupuma bwino ndikukonzekera moyenera popeza mumamvetsetsa zomwe mungadalire.
3. Sinthani ziyembekezo zanu
Muyenera kuti mumazolowera muyeso wina womwe mudzafuna kusungabe banja lanu litatha. Mutha kudzipulumutsa nokha kupsinjika ndi kuda nkhawa ngati mungasinthe zomwe mukuyembekezera kuti zitheke.
Kusanena izi ndikosavuta kuchita kapena kuti kukupangitsani kukhala achimwemwe. Komabe, kungakhale kwanzeru kwambiri kutero. Ikhoza kukupulumutsani ku mutu wambiri pamsewu ndikukulepheretsani kulowa ngongole.
Musanayambe kuchita mantha ndikulingalira kuti moyo wanu ulibenso tanthauzo, kumbukirani kuti izi sizikhala kwamuyaya ndipo mudzabwezeretsanso. Ndinu amene mukusankha zomwe muyenera kudula ndi zomwe sizingasinthike. Chifukwa chake, mutha kukhalabe ndi moyo wosangalala ngakhale mukukumbukira bajeti.
Mwachitsanzo, mutha kukhala ndi khofi kunyumba m'malo mogula kofi, koma sungani ziwonetsero zanu zolimbitsa thupi ngakhale kuchita masewera olimbitsa thupi kunyumba ndichotheka. Kunyengerera pazinthu zomwe sizofunika kwambiri kwa inu komanso zomwe mwakonzeka kuzisiya kwakanthawi.
4. Muziganizira kwambiri zinthu zofunika kwambiri
Pa nthawi ya chisudzulo, zitha kuwoneka ngati kuti zonse zikuchitika nthawi imodzi ndipo muyenera kusamalira zinthu zambiri nthawi imodzi.
Kupambanitsa kungakhale kunyoza.
Pofuna kupewa kuchita mantha kapena kuyipira, konzani zomwe mukufuna ndikuzichita kaye. Siyani zinthu zomwe sizofunika kwenikweni mtsogolo, kapena yesani kupatsa ena ntchito ndikudalira anzanu kuti akuthandizeni.
“Kodi umapeza bwanji ndalama pambuyo pa chisudzulo?” iyenera kukhala chinthu chofunikira pamndandanda woyambawo. Mukawona kuti bajeti yanu ndiyochepa, ichi ndiye chinthu choyamba kutsatira. Kugawana nawo malo oyamba ndikumvanso kwanu, chifukwa kukupatsirani mphamvu kuti muthane ndi zovuta zomwe zili patsogolo panu.
5. Sungani nokha
Malinga ndi US Census Bureau, banja litatha, ndalama zomwe mayi amalandira zimatha kutsika mpaka 37%.
Kutengera komwe muli pantchito yanu muyenera kuyika zochuluka kapena zochepa kuti mupite patsogolo. Cholinga ndikuti muzitha kudzisamalira nokha ndi ana anu.
Ngati mungakhale amayi panyumba, muyenera kuganizira za ntchito yomwe mungagwire panopo kapena mutaphunzitsidwa pang'ono. Mumachita bwino bwanji? Kodi mungayambe kuchita chiyani posachedwa ndikupeza ndalama kuchokera pamenepo? Dinani pazomwe mungakwanitse ndikulembera mapulogalamu kuti mukulitse maluso anu.
Ngakhale mutakhala ndi ndalama zoyendetsera ana komanso chithandizo cha mwana sizikhala mpaka kalekale kapena kukhala zokwanira. Pambuyo pa chisudzulo, mukuyang'ana pa zomwe mukufuna, koma posachedwa mndandanda wanu uzikulitsa zomwe mukufuna.
6. Kukula kudzera mu zomwe mukumana nazo
Titha kugwera mosavuta mumsampha wopanga zambiri ndikuganiza kuti chibwenzi chilichonse chitha chimodzimodzi monga banja lathu. Tikhozanso kulakwitsa poganiza kuti bwenzi lililonse litikhumudwitsa momwe ena adatichitira.
Tsoka ilo, mutha kutaya anzanu pambuyo pa chisudzulo chifukwa amatha kukhala anzawo a mnzanuyo kapena chifukwa chakusamumvera chisoni. Sankhani kudalira anzanu omwe akupezeka kuti akuthandizireni mumtima mwanu komanso mwachuma.
Kumbukirani, zovuta zilizonse ndi mwayi wokulanso.
Izi zikupatsani mwayi kuti muphunzire yemwe ndi mnzanu weniweni osataya mphamvu kwa anthu omwe sanakuthandizireni pakafunika thandizo.
Ganizirani pazonse zomwe muphunzire komanso momwe mungasinthire.
Zitha kukhala zopatsa mphamvu kuti muphunzire momwe mungagwiritsire ntchito bajeti yanu, kudziwa momwe ndalama zanu zilili komanso zofunika kwambiri (kapena kudziwa zonsezi malinga ndi kholo limodzi). M'malo moperewera kapena kuthawa zenizeni, yang'anani pazofunika monga kuchiritsa komanso kukhazikika kwachuma.
Pitani pang'onopang'ono kuti mupite mwachangu!
Mukuganiza momwe mungapezere ndalama mutasudzulana? Malangizo asanu ndi limodziwa atha kukuthandizani kuti mupirire nthawi yovuta.