Zamkati
- Momwe kusakhulupirika kwachuma kumayambira
- Momwe mungawonere kusakhulupirika kwachuma
- Momwe mungapewere kusakhulupirika kwachuma
- Momwe mungakonzekere kusakhulupirika kwachuma
Kusakhulupirika. Itha kumveka ngati lupanga kupyola pamtima paukwati. Kupweteka. Kutaya chidaliro. Zomverera za kunyengedwa ndi kugwiritsidwa ntchito. Kodi zingakuchitikireni pompano ndipo simukudziwa?
Malinga ndi kafukufuku waposachedwa pa intaneti, m'modzi mwa anthu 20 aku America amavomereza kuti anali ndi cheke, kusungitsa kapena akaunti ya kirediti kadi yomwe amuna kapena akazi awo sakudziwa. (gwero: CreditCards.com) Izi zikutanthauza kuti anthu opitilira 13 miliyoni amabera anzawo.
Momwe kusakhulupirika kwachuma kumayambira
Monga zachinyengo zambiri, kusakhulupirika kwachuma kumayamba pang'ono. M'malo mochita zachiwerewere ndi amuna kapena akazi kuntchito, wonyengayo amayimilira ku Starbucks popita kuntchito tsiku lililonse osanena za akazi awo. Siziwoneka ngati zochuluka, koma chaka chisanathe adawononga ndalama zoposa $ 1,200 zomwe anzawo sadziwa.
Kapenanso kugula kwapaintaneti komwe sikunali gawo la ndalama zanu. Safuna kuti mudziwe za izi ndiye kuti amagwiritsa ntchito kirediti kadi yachinsinsi. Zitha kutenga zaka, koma posakhalitsa ndalama zomwe sanalipire zimakhala zofunikira.
Zolakwazo zimangokulira m'kupita kwa nthawi. Si zachilendo kuti okwatirana azindikira kuti mnzawoyo ali ndi chuma chonse chomwe samadziwa.
Momwe mungawonere kusakhulupirika kwachuma
Mungadziwe bwanji ngati mnzanu akuchita zosakhulupirika pankhani zandalama? Chodabwitsa, sichovuta kuwona. Ngakhale mutavala magalasi achikuda a "I'm in love".
Maphukusi osayembekezereka kapena osafotokozedwa, ngongole kapena mawu ndi mphatso. Mu banja labwino, anthu okwatirana amadziwa za zisankho zachuma za wina ndi mnzake. Samasunga zinsinsi kapena chidziwitso chofunikira kwa wina ndi mnzake.
Kodi mnzanu amakulepheretsani kukhala ndi ndalama kapena ndalama zonse? Ndizovuta kudziwa ngati pali china chake cholakwika ngati simukuwona zonena zilizonse. Ngakhale zili bwino kuti munthu m'modzi azitsogolera pankhani zachuma, ayenera kukhala ndi nthawi mwezi uliwonse akufotokoza zomwe zikuchitika mmoyo wazachuma wa banjali.
Ngati zomwe mnzanu akufotokoza sizikuwoneka zomveka ndi nthawi yakufunsa mafunso. Mayankho amomwe ndalama zimasowa kapena komwe adapeza ndalama zogulira zinthu zomwe sizinapangidwe bajeti ziyenera kumvedwa mosavuta. Ngati zikumveka ngati akufuna kubisa chowonadi, mwina ndizomwe akuchita.
Momwe mungapewere kusakhulupirika kwachuma
Njira yabwino yopewera kusakhulupirika kwachuma ndikuti onse awiri azichita nawo zachuma. Mwina simusowa bajeti kuti musagwiritse ntchito ndalama zambiri, koma ndi njira yabwino kwambiri kuti onse awiri agawane zachuma.
Mabanja anzeru amayamba kukambirana asanakwatirane. Mwanjira imeneyi kusiyana kulikonse kwamomwe angagwiritsire ntchito ndalama kumatha kuthana ndi mavuto. Sizachilendo kuti anthu onse amakhulupirira kwambiri za ndalama. Zikhulupirirozi zimatha kutsutsana kapena kupangitsa munthu m'modzi kuti azichita zachinsinsi ndi ndalama zawo kuti apewe mikangano.
Apatsane malo kuti apange zisankho popanda kufunsa. Mabanja ambiri amawona kuti zimathandiza ngati munthu aliyense ali ndi zochepa pamwezi pochita momwe angafunire. Ndalama zomwe angagwiritse ntchito pochiza pafupipafupi kapena kusunga pamtengo waukulu. Mgwirizanowu ndi woti aliyense wa iwo atha kugwiritsa ntchito ndalamazo pachilichonse chomwe angafune popanda kuweruzidwa ndi mnzake.
Khalani ndi dongosolo lolimba lazachuma. Mavuto azachuma nthawi zambiri amakhala # 1 kapena # 2 chifukwa chotchulira banja. Ndikosavuta kunena zoona mukakhala ndi malo ena azachuma olakwitsa.
Momwe mungakonzekere kusakhulupirika kwachuma
Ngati mnzanu wakhala wosakhulupirika pankhani zachuma sizitanthauza kuti banja lanu liyenera kutha. Koma, monga kusakhulupirika kulikonse, zimatenga nthawi, upangiri ndikusintha machitidwe kuti mupulumuke.
1. Yambani ndi zokambirana
Yambani ndikukambirana mozama za ndalama. Mungafune kukhala ndi munthu wachitatu pamenepo kuti athandize bata. Ganizirani pakuwona komwe zikhulupiriro zanu zakuya zakusiyana ndizomwe mungachite kuti muthane ndikusiyanako.
2. Mvetsetsani chifukwa chake izi zidachitika
Onetsetsani kuti mukumvetsetsa chifukwa chomwe kusakhulupirika kwachuma kudachitikira. Zilizonse zomwe zidayambira mudafunikira kuyikonza kuti muthe kuwiranso.
3. Unikani mobwerezabwereza
Dzipereka ku magawo azachuma omwe amatsegulidwa pafupipafupi. Onaninso ngongole zanu, akaunti yopuma pantchito, akaunti yosungira ndalama, ndi ziwonetsero zilizonse za ma kirediti kadi palimodzi. Kambiranani zinthu zachilendo.
4. Chepetsani
Chepetsani ndalama zanu. Makamaka kutseka maakaunti ama kirediti kadi osafunikira.
5. Yambitsaninso kukhulupirirana kwachuma
Chitani zonse zomwe mungathe ngati banja kuti mumanganso kuwona mtima ndikukhulupirirana ngati banja pazachuma chanu.
Gary Foreman
Gary Foreman ndiwokonza kale ndalama yemwe adakhazikitsa tsamba la The Dollar Stretcher.com ndi Surviving Tough Times Kalatayi mu 1996. Tsambali lili ndi nkhani zikwizikwi zothandiza anthu 'Kukhala Bwino ... Pazochepa'.