Zamkati
- Kodi choyambitsa chimayambitsa chiyani?
- Nchiyani chimachitika pakati?
- Ndiye .... Zikonza bwanji izi ??
- Malingaliro angapo ...
- Zosowa ndizofunikira, zofuna ndi zokhumba
Ndalama SI Muzu wa zoipa zonse - koma kukonda ndalama ndiko.
Ndalama zimayambitsa mavuto ndipo nthawi zambiri zimayambitsa kusudzulana.
Timawononga (pun) kuti tigwiritse ntchito mphamvu zambiri, kuwongolera, kukwiya, kukhumudwitsidwa, komanso kuwononga ndalama.
Kodi choyambitsa chimayambitsa chiyani?
Banja likakhala Ife kapena Ife, kasamalidwe ka ndalama kasinthe kuti kakwane banjali. Nthawi zambiri ngakhale mavuto amabwera ndalama zikangokhala Ine kapena I. Anthu ena anakulira m'mabanja momwe ndalama zimasamaliridwa ndi kholo limodzi kapena kholo limodzi. Ndalama mwina ndizomwe zimayambitsa mikangano. Kutengera amene amayang'anira ndalamazo - pakadakhala kusalingana kwamagetsi. Pokhapokha ngati dongosololi lidagwira ntchito mbali zonse ziwiri. Mphamvu ndi kulamulira ndizofunikira kwambiri pamavuto azachuma mbanja.
Mukapeza anthu awiri ochokera kosiyanasiyana, mwina amawona ndalama mosiyana - ndipo atha kukhala ndi kusagwirizana kapena kusudzulana chifukwa cha izi.
Komanso, banja laling'ono limangokhala ku la la land, titero, ndipo samvetsetsa zenizeni zakomwe ndalama zimagwirira ntchito komanso momwe moyo wake umawonongera.
Kupsinjika maganizo kumachitika chifukwa cha momwe ndalama zimayendetsedwera. Pali zochepa zomwe zingakwaniritse chidwi chathu kapena zokonda zathu kuposa ndalama.
Nthawi zina anthu amagwiritsa ntchito ndalama kugula ena chikondi kapena chidwi. Timagwiritsa ntchito, timazunza ndipo timawalemekeza kwambiri. Ndi njira yothetsera mavuto - apo ayi zitha kuwonetsa china chake chodwaladwala.
Nchiyani chimachitika pakati?
Kufunika ndikofunikira apa. Tikamayamikira chinthu kapena winawake timatha kuchisamalira.
Momwe timagwiritsira ntchito ndalama zimafotokoza zambiri za omwe ife tiri ndi malingaliro athu. Tsegulani buku la cheke la aliyense kuti muwone zomwe amayamikira. Momwe amagwiritsira ntchito ndalama zawo zimawonetseratu kampasi yawo yamkati.
Funsanani wina ndi mnzake, "Kodi ndimayamikira chiyani?" Kodi ndi thanzi lanu, nyumba, tchuthi, ntchito, ana, achibale, zosangalatsa, zosangalatsa ..... etc. Mukadziwa zomwe mumakonda, zidzakhala zosavuta kuwona ngati nonse muli patsamba limodzi.
Dziwani kuti ndinu ndani. Mwanjira zonse, koma pazifukwa izi, ndinu ndani azachuma? Kodi ndinu munthu amene mumavutitsa anzawo, amabera mayeso komanso amakhala ndi zinsinsi; amene ali wopupuluma, wolamulira; wadongosolo, wodalirika, wowolowa manja,
wozengereza, wotengeka, wotengeka mtima, kapena woponya miyala kungotchulapo mikhalidwe ingapo. Mukadziwa amene muli, nonse mudzakhala okonzeka kudziwa zomwe muyenera kuyembekezera komanso zomwe muyenera kukonza.
Nthawi zonse pamene okwatirana akwatirana, mwadzidzidzi ndalama zawo zimafunika kugawana, kugawa, ndipo nthawi zina kugawa zinthu zomwe wina sawona kuti ndizovomerezeka kapena zoyenera. Izi zisankho zikhale zogwirizana; komabe nthawi zambiri amabisika kapena kuyendetsedwa mozemba. Izi zimabweretsa kusakhulupirika komanso kudziimba mlandu kapena kumva kwakusowa komanso kusakhutira.
Ndiye .... Zikonza bwanji izi ??
KULANKHULANA musanalowe m'banja ndikofunikira. Chotsani zoyembekezera ndi zolinga ndizofunikira kwambiri kuti muwonetsetse kuti palibe amene wavulala.
Tonsefe timakwatirana ndi ziyembekezo. Zakale, tsogolo lathu komanso tsogolo lathu zisewera - koma chinthu chimodzi chomwe sitikudziwa ndichakuti zakale zathu ndizomwe zimativutitsa. Mzimu uwu ubisala kuti uwononge ubale wathu.
Ganizirani za ngongole zomwe inu ndi mnzanu mudabweretsa muubwenzi. Tangoganizirani - ndi anu tsopano. Kodi nkhaniyi iyankhidwa bwanji?
Ndiye, ubale wanu ndi dollar yamphamvuzonse ndi uti? Unikani izi ndi wokondedwa wanu ndikuwona kutalika kwa inu, kapenanso momwe mumakhalira pafupi.
Malingaliro angapo ...
Choyamba - pangani akaunti yolumikizana pazomwe mungagwiritse ntchito. Izi zikutanthauza ndalama zomwe zimafanana mwezi uliwonse kapena chaka chilichonse. Zitsanzo ndi kubweza ngongole, lendi, ndalama za inshuwaransi, zolipirira galimoto, misonkho.
Awiri - pangani akaunti yosunga, akauntiyi ndi ya tchuthi chomwe chidakonzedwa, koleji ya ana, masoka achilengedwe kapena kungoikapo masenti kwa tsiku lamvula.
Chachitatu ndi chachinayi nkhani zomwe ndizosiyana. Imodzi ndi ya okwatirana. Amatchedwa discretionary account. Ndi anu ndi anu nokha. Mutha kuwononga ndalamazo pa gofu, pedicure, chilichonse chomwe mungafune - mutha kuchipereka ngati mukufuna - mutha kundipatsa !!
Momwe mungawerengere ndalamayi ndikulipira maakaunti ena poyamba ndiyeno chilichonse chomwe chatsala - ndi chanu.
Chifukwa chake, ngati mumalipira zonse zomwe munagwiritsa ntchito, ndikusamalira maakaunti anu osungira mudzakhala ndi gawo lomwe aliyense adzaike muakaunti yanu yanzeru. Kumbukirani zake- ndipo simuyenera kukanena kwa mnzanu.
Khalani owonekera poyera - kubisala ndikofala kwambiri ndipo ndichizindikiro kuti mabanja ali ndi mavuto m'malo ena.
Pangani dongosolo. Mapulani ndiabwino. Chipani chilichonse chimadziwa zoyenera kuyembekezera komanso momwe mungachokere kuno. Mapulani ali ndi maubwino angapo; amakuthandizani nonse kufotokoza zolinga zanu ndipo amakuwonetsani
zonse zomwe mumayamikira komanso kudzipereka kwanu pakupanga dongosolo lanu kukhala lopambana, ndipo kwa wina ndi mnzake zosowa ndi zofuna zawo.
Zosowa ndizofunikira, zofuna ndi zokhumba
Izi ndizomvera pang'ono; komabe, ndi gawo lofunikira pokhala ndiudindo.
Pamafunika kukhwima kwambiri kuti mudziwe momwe tingasamalire ndalama zathu bwino. Yembekezerani mavuto ndi zodabwitsa; moyo samatula aliyense pamavuto. Kumbukirani, ndalama si vuto - ndi momwe inu ndi mnzanu mumagwirira ntchito!
Dzifunseni nokha ndi mnzanu mafunso angapo ofunikira kuti mudziwe komwe akuchokera ndi nzeru zawo zandalama.
Ndalama sizitanthauza chisangalalo ndipo zinthu zambiri zomwe titha kupeza ndi ndalama ndizosakhalitsa komanso sizowoneka. Ndiwo mphamvu chabe yomwe imaperekedwa kwa munthu m'modzi padziko lonse lapansi.
Tiyenera kukhala odalirika komanso oyang'anira bwino ndalama zathu. Tiyenera kugawana ndalama zathu ndikuthandizira omwe alibe mwayi. Pamapeto pa tsiku .... sitingathe kupita nawo ...
... ndipo imeneyo ndi nkhani ina yonena za Cholowa ...
Pomaliza, dziwani nthawi yoti mulembetse mlangizi wazachuma. Sitingakhale tonse akatswiri pachilichonse!
Khalani achilungamo komanso olankhula bwino. Tengani udindo; khalani okhwima, ochita zinthu moyenera, olongosoka, achilungamo, owolowa manja, ndipo dziwani kusiyana pakati pa zosowa ndi zofuna ndikudzidziwa nokha; yemwe inu muli ndi momwe mungayikitsire zosowa za ena kuposa zanu ndi momwe mungagawire. Izi sizimangokuthandizani mdziko lapansi, zidzasintha ngati simupulumutsa banja lanu.