Zamkati
Ndalama zakhala zikunenedwapo kale kuti ndi imodzi mwazofala kwambiri m'banja. Kusagwirizana pamomwe mungasungire ndalama ndi momwe mungagwiritsire ntchito ndalama kumachitika nthawi zambiri kuposa momwe ambiri angafunire kuvomerezera, komabe, pali zochepa zomwe zingachitike kuti muchepetse ndalama kuti zisaponyere mapulani anu nthawi zina. Pali, komabe, pali njira zingapo zomwe mungagwiritse ntchito poteteza ubale wanu pakusatsimikizika kwachuma cha moyo.
Sungani, pulumutsani, pulumutsani!
Njira imodzi, yofunikira kwambiri yoyembekezera zosayembekezereka ndiyo sungani! Ngakhale lingaliro ili lakhala likuperekedwa kuchokera ku mibadwomibadwo kupita kwina, kupezeka kwa ngongole ndi ngongole kwa achinyamata kumapangitsa kukhala kovuta kwambiri kumvetsetsa kufunika kopulumutsa. Si kwachilendo kuti okwatiranawo amakhala ndi ngongole zambirimbiri; ngongole za ophunzira, magalimoto atsopano, nyumba, ndi ma kirediti kadi, kwakukulukulu, ndizofunikira pamoyo wamaanja ku United States. Nthawi zambiri kuchuluka kwa ndalama zomwe amakhala nazo zimakhala zazikulu kwambiri kuposa zomwe mabanja amasunga. Monga banja, ndikofunikira kukambirana za izi ndikupanga njira yosungira yomwe ingakuthandizeni. Sankhani kuchuluka kwa ndalama zomwe zingasungidwe zolipira zonse ndi mitundu yanji ya ndalama zomwe ziyenera kulipiridwa mu akauntiyi. Yembekezerani zosayembekezereka; sungani za "ngati zingachitike."
Ndani achite chiyani?
Pa ntchito yamtundu uliwonse, ndizovuta kumaliza china chake moyenera ngati anthu awiri akufuna kuchita zomwezo. M'banja, ndikofunikira kusankha udindo kwa aliyense. Kudziwa yemwe akuyang'anira zomwe ndikutsatira ndondomekoyi kumachepetsa nkhawa zomwe ndalama zimabweretsa pachibwenzi. Pokonzekera pasadakhale ndikukhala ndi maudindo payekha, aliyense payekha atha kutenga nawo gawo pakuwongolera ndalama ndi bajeti. Monga tanenera kale, ndikofunikira kukambirana za izi ndikupanga mgwirizano womwe ungagwirizane momwe udindowu udzagawidwire.
Tiyeni tikambirane
Sikofunikira kungolankhula zakusunga, kugwiritsa ntchito ndalama, komanso maudindo. Ndikofunikira kuti muzilankhulana momasuka komanso molimba mtima ndi wokondedwa wanu za zachuma. Kukhala wolimba mtima kumatha kukhala kovuta, makamaka tikamagawana zambiri zokhumudwitsa kapena nkhawa. Koma ndikofunikira kusiya khomo lolumikizirana liri lotseguka. Kudzidalira sikuyenera kulakwitsa chifukwa chankhanza - kukangana ndi mnzanu sikofunikira kuti mumve bwino. ngati mukukhudzidwa ndi kuwononga ndalama kapena za mnzanu kuti asatsatire theka la ntchitoyi, gwiritsani ntchito mawu omwe akuwonetsa udindo wanu. Kutsegulira ndi mawu monga, "Ndikuganiza ..." kapena "Ndikumva ..." onetsani mnzanu kuti mukutenga nawo mbali pazomvera zanu koma mukufuna kugawana zomwe zikukusowetsani mtendere. Dziwani za kayendedwe ka thupi, nkhope, komanso kamvekedwe ka mawu; zonsezi zingasinthe chikhalidwe cha mawu enieni omwe akukambidwa.
Onaninso: Zimene Mungachite Kuti Muzisangalala M'banja Lanu
Zosankha, zisankho
Monga othandizana nawo banja liyenera kugwira ntchito limodzi, osati ngati otsutsana. Monga pamasewera, chuma chanu chamtengo wapatali komanso chithandizo chachikulu chimachokera kwa omwe mumacheza nawo. Kulankhula za mavuto ndikupanga zisankho limodzi ndikofunikira kuti tisunge nawo gawo pakakhazikika pazachuma. Ngati muli kale ndi njira yolumikizirana komanso kupatula maudindo, kuthekera kwa ndalama zosayembekezereka kumawoneka kovuta kwambiri. Kukhala omasuka ndi osinthasintha wina ndi mnzake kungalimbikitse mgwirizano ndikupewa kusatsimikizika ndi zochitika zosakonzekera kuti zisawononge kukhulupirirana ndi chitetezo muubwenzi.
Mukamachita zinthu moganizira ena ndikukhazikitsa dongosolo m'banja mwanu momwe mungagwiritsire ntchito ndalama, zochitika zosakonzekera sizikhala zopanikiza. Kusamalira ndalama m'banja kuyenera kumva ngati mgwirizano osati mpikisano. Ngati mumapezeka kuti mumakangana pafupipafupi pankhani zandalama ndi zachuma ndi wokondedwa wanu, yambani kubwerera. Onani ubale womwe aliyense wa inu ali nawo ndi ndalama. Kodi pamakhala mwayi wokula kapena kusintha m'mbali zilizonse? Kodi mukuwona kutsutsana kwa maudindo kapena ntchito? Kodi pali zosintha zina ndi zina zomwe mungachite pokhazikitsa bajeti zomwe zingalole kuti aliyense wa inu akhale ndi zosowa zomwe akufuna kuti zichitike? Njira zinayi izi sizingakhale yankho kwa inu, koma ndi malo abwino kuyamba!