Zamkati
- Kugawana ngongole ndi mbiri yangongole
- Kuphatikiza kwachuma
- Dziwani zolinga zandalama
- Ganizirani za tsogolo lazachuma m'banja
- Kusamalira ndalama
Chimene chimayambitsa kusudzulana pakati pa mabanja masiku ano akuti ndi mavuto azachuma. Ngakhale mutha kukhala okondwa kwambiri poganiza zokhala moyo wanu ndi chikondi chanu, musalole kuti lingalirolo likulepheretseni kudziwa zenizeni. Pankhani yaukwati ndi ndalama (kuyembekezera zachuma), ziwerengero zina ndizowopsa.
Mikangano yokhudza ndalama ndiyachinyengo kwambiri chifukwa sikhala yokhudza ndalama. M'malo mwake, ali makamaka pazofunikira ndi zosowa zomwe sizikukwaniritsidwa. Kuti muwonjezere mwayi wokhala ndi ubale wabwino, mfundo zoyambira ziyenera kusinthidwa, ndipo muyenera kudziwa za chiyembekezo chachuma chomwe chimadza ndi banja.
Kugawana ngongole ndi mbiri yangongole
Kuti banja liziyenda bwino, ndibwino kugawana mbiri yanu yangongole ndi ngongole zomwe muli nazo. Nthawi zambiri, anthu amakonda kukwatira kapena kukwatiwa ndi munthu osadziwa kwenikweni zandalama. Komabe, muyenera kufunsa mafunso ambiri momwe amafunikira kuti mumvetsetse momwe ndalama zilili komanso ziyembekezo zachuma zomwe munthu winayo ali nazo.
Zachidziwikire, simusowa kuti mugwiritse ntchito mzere wa munthu winayo ndi mzere kuti muwone komwe ndalama iliyonse yawonongedwa, koma ndibwino kukoka malipoti a ngongole ndikugawana wina ndi mnzake kuti mukonzekere mtsogolo moyenera.
Ngakhale kukhala ndi ngongole si vuto lalikulu kwa inu, ndikofunikira kuti mudziwe zomwe mukukulowa. Kuphatikiza apo, mukaphatikiza maakaunti azachuma ndikugula zinthu limodzi, mumatenga mbiri ya munthu winayo ndichifukwa chake kuli bwino kukambirana ziyembekezo zachuma zomwe nonse muli nazo.
Kuphatikiza kwachuma
Muyenera kukambirana momwe mudzagwiritsire ntchito ndalama zanu. Mukaphatikiza ndalama zanu, mumakhala ndi mwayi wokhulupirira wokondedwa wanu ndipo mumagwirira ntchito limodzi kuti muwerenge ndalama zanu, ndalama zanu, ndi maakaunti anu. Komabe, njira yochitira izi kwa banja lililonse itha kukhala yosiyana.
Mwachitsanzo, maanja ena amaphatikizira ndalama zawo nthawi yomweyo pomwe ena amasungitsa maakaunti awo omwe amasamutsa ndalama mwezi uliwonse pazogwiritsira ntchito mwezi uliwonse. Ngakhale mutasankha njira yanji, ndikofunikira kuti mupange zisankho zonse ndikukambirana zomwe mukuyembekezera musanaphatikizirepo ndalama.
Dziwani zolinga zandalama
Inu ndi mnzanuyo mutha kukhala ndi malingaliro osiyana pa ndalama ndi zachuma. Pomwe m'modzi wa inu akhoza kukhala wokhutira ndi ndalama zochepa, winayo akhoza kukhala akuganiza zokhala ndi chuma chambiri chomwe chimathandiza banja kuyenda chaka chilichonse. Ngati nonse mukhale pansi ndikulankhula za zomwe mukuyembekezera pachuma ndikubwera ndi dongosolo lazachuma, malotowo onse atha kukhala otheka.
Pachifukwa ichi, muyenera kufotokoza kaye tanthauzo la chuma kumatanthauza nonse awiri. Ngakhale zitha kutanthauza kuti mulibe ngongole kwa inu, kupambana pachuma kwa mnzanu kungatanthauze kupuma msanga kapena kugula tchuthi. Kambiranani masantiki pazomwe mukuyembekeza pachuma ndikupanga dongosolo lazachuma lomwe limasokoneza zolinga za anthu onse.
Ganizirani za tsogolo lazachuma m'banja
Ganizirani momwe mukukonzera ndalama zakutsogolo kwachuma cha banja lanu. Pali mwayi waukulu kuti mnzanuyo akuyembekezerani kuti muzikumbukiranso zamtsogolo. Ngati simugwira ntchito yosunga ndalama, ndiye kuti zimatumiza uthenga womveka; m'tsogolo mwina kulibe. Koma ngati mungasunge zochepa, ndiye kuti izi zimatumiza uthenga wamphamvu; pali chiyembekezo chamtsogolo!
Ndi zolemba zakuthupi kapena tchati chosavuta, mutha kudziwa momwe mukusungira ndalama mtsogolo. Kumbukirani kuti momwe ndalama zilili pano sizofunika monga momwe mukukonzera. Popeza ziyembekezo zimathandiza kupulumutsa tsogolo, muyenera kukhala ndi zazikulu (koma zenizeni) pachibwenzi chanu kuti mukhale ndi banja labwino komanso losangalala.
Kusamalira ndalama
Muyenera kudziwa omwe adzachite nawo bajeti komanso kugwiritsa ntchito ndalama tsiku lililonse. Ndizosavuta munthu m'modzi atathana ndi kulipira ngongole, osakhala pamwamba pakuwunika momwe akaunti ikuyendera ndikusamalira bajeti. Komabe, kusankha maudindo koyambirira sikukutanthauza kuti simuyenera kukambirana za bajeti yanu kapena chiyembekezo chilichonse chazachuma chomwe chikutsika.
Kulankhulana ndikofunikira; Chifukwa chake, ndikofunikira kukambirana za bajeti ya tsiku ndi tsiku komanso zisankho zachuma pakafunika kutero. Palibe aliyense wa inu amene ayenera kudzimva kukhala wopanda pake kapena wolemedwa mopitirira muyeso pankhani yazachuma chanu.
Musaiwale kuti ndalama sizinthu zonse, makamaka zikafika pachibwenzi. Komabe, muyenera kudziwa kulumikizana ndikugwirira ntchito limodzi ndalama zanu. Zotsatira zake, mudzatha kulimbitsa ubale wanu, mukakhala kuti muli patsamba limodzi lokhala ndi chiyembekezo chachuma.