Zamkati
- 1. Onetsetsani kukhazikika kwachuma
- 2. Sankhani momwe ndalama zimagawidwira
- 3. Pewani ndewu yokhudza ndalama
- 4. Pangani tsogolo labwino limodzi
M'madera mwathu, nthawi zambiri timalankhula za ndalama. Komabe, muubwenzi wapamtima monga mgwirizano wachikondi, kulephera kukambirana za ndalama kumatha kukhala kusokonekera.
Kaya mudzakwatirana posachedwa, banja lomwe langokwatirana kumene, kapena mwakhala muli pachibwenzi kwazaka zambiri, ndikofunikira kukambirana ndi mnzanu za zachuma.
Nkhani zandalama zitha kupanga kapena kuswa chibwenzi. Chifukwa chake, mungasamalire bwanji ndalama zanu ngati banja?
Nonse muyenera kukhala patsamba limodzi zamomwe mungagwiritsire ntchito mafunde ndi nthawi zowonda. Pitirizani kuwerenga kuti muwone zifukwa zinayi zabwino zomwe okwatirana akuyenera kukambirana za ndalama komanso momwe angachitire ndi mavuto awo aubwenzi.
1. Onetsetsani kukhazikika kwachuma
Ubale umakhala wovuta pawokha ndalama zisanachitike. Izi zimapangitsa funso, momwe mungalankhulire za ndalama ndi bwenzi lanu, bwenzi lanu kapena bwenzi lanu?
Kuti anthu awiri azikhala limodzi, akuyenera kukambirana kuti ndi ndani amene azisamalira mabanja awo, momwe angachitire pakagwa zadzidzidzi ndi zina zilizonse zomwe zimalimbikitsa kukhazikika kwachuma.
Kulephera kukambirana mitu iliyonse mwamavuto kumabweretsa mavuto kwa banja ngati kunyalanyaza izi komanso mavuto omwe angabwere atha kudzetsa banja lawo.
Ndikosavuta kuti anthu asafune kuganiza za ndalama ndikuyembekeza kuti zonse zichitike, koma kutenga nthawi yolankhula za zolinga zanu ndi mnzanu kumakuthandizani nonse kukhala olimba mtima komanso otetezeka mtsogolo mwanu.
Onetsetsani kuti nonse muli omasuka ndi zomwe mukufuna.
Kungakhale kovuta ngati wina akusenza katundu wopezera mnzake kapena pamene mnzake akumva kuti ndi okhawo omwe akuyesera kupulumutsa.
Pankhani ya momwe mungagwiritsire ntchito ndalama monga banja, lankhulanani wina ndi mnzake kuti muwonetsetse kukhazikika kwachuma chanu komanso ubale wanu.
2. Sankhani momwe ndalama zimagawidwira
Mu banja, awiriwa amavomereza kuti azigawana za chikondi chawo ndikukhala limodzi.
Muubwenzi wamtunduwu, onse awiri akuyenera kukambirana zambiri ngati ndani ali ndi udindo wolipirira ndalama zogona ngati renti, chakudya, ndi inshuwaransi, kuphatikiza pazisankho zina zofunika ngati angalembetse ngongole zatsiku lomwelo kuti azilipira mtengo wa zinthu zamatikiti akulu.
Momwe mumasungira, kutenga ngongole, kapena kufunsira ndalama ndi zinthu zofunika kuzikambirana pakati panu.
Ngakhale maanja ambiri amasankha kugawana ndalama mwanjira ina, zosankha zamtunduwu zimayenera kukambidwa ndi onse awiri zisanachitike.
Kuti musamalire ndalama limodzi, musaganize kuti muli patsamba limodzi osalankhulana. Izi zikuyankhanso funso, "momwe mungalankhulire za ndalama muubwenzi"
3. Pewani ndewu yokhudza ndalama
Kulimbana ndi ndalama nthawi zambiri kumapangitsa kuti maubale ambiri asokonezeke. Ndiye mungagwiritse ntchito ndalama motani?
Mabanja omwe salankhulana wina ndi mnzake za chinthu china chofunikira monga ndalama adzipeza akungolankhulana za kusamvana, kuyankhula za kusowa kwa ndalama, ndikukangana chifukwa chosatsimikiza zamtsogolo.
Ngakhale kufotokozera mutu wazachuma sikovuta nthawi zonse kupanga, mwina ndi chinthu chomwe chimapulumutsa ubale wanu.
Nenani zandalama mukakhala kuti mukusangalala ndipo osamuneneza.
Kumbukirani kuti sikulakwa kufunsa upangiri ndi chithandizo limodzi, osati chizindikiro choti pali ubale wolakwika. Palibe manyazi kufunafuna kuyimira pakati kapena kuthandizidwa kuti muthe zokambirana izi.
Onaninso:
4. Pangani tsogolo labwino limodzi
Kukambirana za ndalama kumathandiza kuti mabanja azikhala achilungamo pakati pawo.
Kodi anthu okwatirana azigwiritsa ntchito bwanji ndalama?
M'malo mobisa monga ndalama zowonjezera kapena mapiri a kirediti kadi kapena ngongole, maanja omwe amalankhulana za "ndalama" amatha kukhala achinsinsi pa chilichonse ndi china chilichonse chokhudzana ndi ndalama.
Kaya akukumana ndi mavuto azachuma kapena akugwirira ntchito limodzi kuti akwaniritse zofunikira zina, kukhala patsamba limodzi pazachuma kumathandizira kulimbitsa ubale wawo.
Kuwona mtima ndi ulemu ndi maziko awiri aubwenzi wabwino, ndipo ndi zomwe zimapangidwa mwachilengedwe polankhula za ndalama. Ndiwo upangiri wofunikira kwambiri wamomwe mungagwiritsire ntchito ndalama limodzi.
Zingakhale zovuta komanso zosasangalatsa poyamba, koma potenga nthawi yolankhula za zachuma, inu ndi mnzanu mutha kupanga tsogolo labwino limodzi.
Momwe mungasamalire ndalama limodzi, musawope kuyambitsa zokambirana, koma chitani mwachisomo ndi mwachikondi.
Mabanja ambiri samakonda kukambirana za ndalama, chifukwa amaopa kuti kukambirana nkhani ngati izi kumadzabweretsa mikangano mtsogolo. Komabe, nkhani yofunika iyi yokhudza zachuma ndiye njira yabwino kwambiri yotetezera ubale wawo ndikukonzekera zamtsogolo.
Yambani ndi zokambirana zazing'ono zopulumutsa komanso zolinga zamtsogolo, ndipo kuchokera pamenepo mutha kuyamba kukambirana zambiri zakusunga maakaunti kwakanthawi, ngongole, ngongole zanyumba, ndi zina zachuma.
Chifukwa chake, momwe mungagwiritsire ntchito ndalama limodzi ngati zikuwoneka zovuta komanso zikuphatikizapo kusamvana?
Ngakhale zitakhala zovuta poyamba, kutero kumalimbitsa ubale wanu ndi chikondi chanu. Mukakhala otetezeka mtsogolo mwachuma, ndiye kuti inu ndi mnzanu simuyenera kuda nkhawa zakudza mtsogolo. Mukakhala okhazikika pamomwe mungagwiritsire ntchito ndalama limodzi, mutha kuyang'ana kwambiri pazofunika kwambiri tsopano.