Zamkati
- 1. Bwererani ndi kujambula chithunzi cha ndalama zanu zonse
- 2. Lembani mndandanda wa ndalama zomwe mumagwiritsa ntchito panopo
- 3. Muzikumbukira zinthu izi pamene mukulankhula
- 4. Pangani misonkhano yazandalama kapena madeti azachuma zochitika pamwezi
Ngati inu ndi mnzanu mumakangana pankhani zachuma, simuli nokha. Mabanja akumenyera nkhondo ndizofala momwe zimakhalira. Mavuto azachuma m'banja amabweretsa mavuto m'banja.
Pafupifupi, maanja amakangana za ndalama kasanu pachaka.
Ndalama — momwe mumapindulira, kuisunga ndi kuzigwiritsa ntchito — ndi nkhani yaikulu ndipo imatha kukhala mkangano waukulu pakati pa anthu ambiri.
Komabe ndalama ndizofunikira kwambiri paubwenzi wabanja lanu, chifukwa chake nonse muyenera kukhala owonekera poyera tanthauzo la ndalama kwa inu.
Kugawana malingaliro anu pa ndalama ndi imodzi mwazokambirana zomwe muyenera kukhala musanapite limodzi kapena kukwatirana.
Kukambirana za zachuma nthawi zambiri kumapangitsa kuti banja likhale losasangalatsa, zomwe zimawapangitsa kuti apewe kukambirana kapena kukankhira nthawi ina.
Koma maanja akuyenera kupeza nthawi yoti akhale pansi modekha ndi kuyankhula momwe amaonera ndalama ndi gawo lawo pamoyo wawo. Zokambirana zoterezi cholinga chawo ndi kumvetsetsa chifukwa chake ndalama zimakhala zovuta m'banja.
Kambiranani za ndalama musanapite limodzi
Kodi ndalama zikuyamba kukhala mavuto m'banja? Mavuto azachuma pachibwenzi amachokera pakusagwirizana kwachuma pakati pa okwatirana.
Kuti tikhale ndi banja lolimba lomwe lingathetse mavuto azachuma m'banja ndikugwirizanitsa ndalama m'banja, ndikofunikira kuwerengera ndalama ndi mavuto am'banja.
Nayi mafunso ofunikira okhudzana ndi ndalama pamaubwenzi oti mufunse mukafuna kudziwa chithunzi chachuma cha munthu amene mukuganiza kuti mudzamupereke.
Mafunso awa akuwunikirani mavuto omwe angakhalepo m'banja ndi ndalama komanso kukupatsani chidziwitso cha momwe mungachitire ndi mavuto azachuma muubwenzi.
- Ndi ndalama zingati zomwe aliyense wa inu ayenera kumasuka nazo?
- Kodi mukuganiza kuti ndikofunikira kuphatikiza ndalama zanu limodzi? Kodi muyenera kukhala ndi akaunti imodzi yowerengera limodzi kapena maakaunti awiri odziyimira pawokha? Ngati ndi omaliza, ndani azikhala ndi ndalama zotani?
- Mumagawana bwanji bajeti ngati mapindu anu ndiosiyana kwambiri?
- Ndani angayang'anire ndalama zapakhomo?
- Kodi mungasankhe bwanji pazogula zazikulu, monga galimoto yatsopano, tchuthi, zamagetsi zapamwamba?
- Muyenera kuyika ndalama zingati mwezi uliwonse?
- Kodi mukuganiza kuti ndikofunikira kupereka ndalama ku tchalitchi kapena zachifundo?
- Kodi mukadakhala kuti simunakambilane izi musanapangane, ndipo tsopano mukuwona kuti malingaliro a mnzanu pa ndalama ndi osiyana kwambiri ndi anu?
- Kodi pali njira yothetsera mavuto azachuma popanda zokambiranazi zisanduke mkangano?
Kutsegulira zachuma osakwiya
Mwafika pachimake muubwenzi wanu momwe ndikofunikira kuti muzikhala ndi zokambirana zachikulire, zachikulire za maudindo anu achuma.
Ndalama muubwenzi ndi nkhani yovuta kukambirana, ndipo muyenera kuyenda mosamala komanso kusungabe chiwonetsero chazachuma chaukwati.
Ndalama zimakhala zovuta mbanja ngati okwatirana sakufuna kulankhulapo za njovu yamiyambo mchipindamo.
Izi zingafunikire kuchitidwa pamaso pa munthu wina wandale, monga wokonza zachuma, yemwe angakuthandizeni kuthana ndi zokambirana zomwe zingakhale zovuta.
Kulowererapo kungakuthandizeninso kuzindikira chifukwa chake ndalama zimakhala zovuta m'banja.
Sikuti nthawi zonse kumakhala kofunikira kuti mubweretse katswiri, komabe, ngati ndalama zakulembera wokonzekera zachuma ziziwonjezera moto pamoto wachuma. 
Mutha kuyandikira nokha ndalama m'njira yomwe ingapangitse nonse kumva kuti akumvedwa.
Konzani mphindi ndi mnzanu kuti mukhale pansi ndikukambirana za ndalama ndi banja.
Gawani nthawi yokwanira yosinthira, ndikupanga malo oti zokambiranazo zizikhala zosangalatsa komanso zadongosolo.
Mwinamwake mukhale ndi makompyuta anu pafupi kuti mupeze maakaunti a pa intaneti ndi mapulogalamu apabanja apanyumba.
Cholinga ndikuti mugwiritse ntchito ndalama mwadongosolo, kuti nonse muwone ndalama zomwe zikubwera komanso momwe mungazigawire kuti miyoyo yanu (ndi ubale) zizikhala motere.
Izi zikuthandizani kuti musataye zolinga zanu zachuma, kumenya nawo nkhondo, ndikudzifunsa chifukwa chomwe ndalama zimakhala zovuta m'banja.
Kodi mukuyang'ana maupangiri pakuwongolera ndalama m'banja? Umu ndi momwe mungayambire kuthana ndi mavuto am'banja.
1. Bwererani ndi kujambula chithunzi cha ndalama zanu zonse
Lembani zomwe aliyense wa inu akubweretsa molingana ndi malipiro kapena ntchito zapakhomo.
- Zokwanira?
- Kodi pali kuthekera kokweza kapena kukweza komwe kungakuthandizeni kuti musinthe?
- Kodi wina wa inu akufuna kapena akufunika kuti azilandira zochuluka? Lankhulani pazomwe mungakonde pakusintha ntchito.
Lembani ngongole zomwe muli nazo (ngongole za ophunzira, magalimoto, zolipirira nyumba, makhadi a ngongole, ndi zina zambiri). Kodi ngongole yanu ikukuyenderani bwino?
Kodi nonse mukuziika pamlingo wofanana, kapena kodi ngongole yanu ikuwoneka kuti ikukula? Ngati ndi choncho, chifukwa chiyani?
Kuyankha mafunso awa kuyenera kukulepheretsani kudandaula chifukwa chomwe ndalama zimakhala zovuta m'banja.
2. Lembani mndandanda wa ndalama zomwe mumagwiritsa ntchito panopo
Funsanani ngati izi zikuwoneka zomveka. Ngati mungaganize kuti mukufuna kuwonjezera ndalama zomwe mwasunga, kodi pali zomwe mumawononga tsiku ndi tsiku zomwe mungachepetse kuti zichitike?
Kodi mungadule Starbucks yanu yatsiku ndi tsiku?
Pitani kumalo olimbitsa thupi otsika mtengo, kapena mugwiritse ntchito zolimbitsa thupi pa YouTube kuti mukhale okhazikika?
Kumbukirani, zisankho zonse zochepetsera ndalama ziyenera kupangidwa ndi mzimu wa umodzi, osati munthu mmodzi akukakamiza mnzake.
Pofuna kupewa mavuto azachuma m'banja, ndibwino kuti mugwirizane zomwe nonse muli omasuka nazo pazokhudza zomwe mukufuna kupanga, ndi cholinga chotani.
Muyenera kupitiriza kumvetsera mwachidwi zomwe mnzanu akufuna kuti zokambiranazi ziziyenda bwino komanso moyenera. Kuphatikiza pa izi, mudzatha kupewa zinthu zomwe ndalama zimakhala zovuta m'banja.
"Zikumveka kuti kulipirira ana sukulu payokha ndikofunika kwa inu," ndi chitsanzo chimodzi chomvera mwachidwi.
"Tiyeni tiwone ngati tili ndi zofunikira kuti izi zitheke" ndichosawopseza kuti mnzanu apende mosamalitsa cholinga chilichonse chachuma.
3. Muzikumbukira zinthu izi pamene mukulankhula
Mukawona kuti zokambirana zanu zikuchulukira mkangano, mudzafunika kukumbutsa wokondedwa wanu kuti cholinga chokhala pansi pamodzi ndikuwonetsa momwe nonse mumafunira kuti banja lanu likhale lolimba.
Akumbutseni kuti mumawakonda ndipo zosankha zawozi ndizofunikira kwambiri pachibwenzi chanu.
Pumulani pang'ono kuti muchepetse msinkhu ngati mukufunikira, koma mubwerere patebulo kuti mupitirize kuyankhula kuti muthe kuchoka pa izi ndi njira yovomerezeka yomwe munagwirizana.
Kumbukirani, poyankha funso loti, "chifukwa chiyani ndalama zimasokonekera muukwati," ndi gawo lothandiza posunga mgwirizano m'banja.
4. Pangani misonkhano yazandalama kapena madeti azachuma zochitika pamwezi
Tsopano mukuwona bwino zachuma chanu komanso komwe mukufuna kupita kuchokera pano.
Mwagwirizana pa mfundo zofunika ndikukhala omasuka ndikuchepetsa bajeti kapena kusintha ntchito.
Kuti mukhalebe olumikizidwa ku zolingazi, bwanji osapanga misonkhanoyi mwezi uliwonse?
Kukhala ndi nthawi yoti mukhale pansi ndikuwunikiranso momwe mudakwanitsira posunga bajeti yatsopanoyi ndi gawo labwino posunga zomwe mwapanga.
Nonse a inu mudzachoka pamisonkhanoyi mukumva kukhala otetezeka pachuma komanso ngati banja mukapeza mayankho pamavuto azachuma m'banja.
Kuchotsa nkhawa zachuma chanu ndikuchikulitsa ndikumverera kotetezeka kumalimbikitsa chimwemwe chanu ngati banja ndikulola kuti mukule bwino pamodzi.
Funso, chifukwa chiyani ndalama zimakhala zovuta m'banja zidzasoweka mu mgwirizano wanu wabanja.