Zamkati
- 1. Yambani momwe mukufunira kupitilira
- 2. Kuwulula kwathunthu
- 3. Gwirizanitsani zoyembekezera zanu ndi cholinga chomwecho
- 4. Khazikitsani bajeti yanu
Nthawi zina, mukakhudzidwa ndi kamvuluvulu wamapulani achikwati, nthawi yachisangalalo komanso chisangalalo chokhala mwamuna kapena mkazi, ndizotheka kuti chidwi chamtsogolo cha ndalama zanu komanso zomwe mumayembekezera muukwati zitha kuchepa pang'ono ( ngati zidawapangitsa kukhala patsogolo pazokambirana koyambirira).
Ziyembekezero za ndalama muukwati nthawi zambiri zimatha kunyalanyazidwa, kungoganiziridwa mopepuka. Malipoti akuwonetsa kuti ndalama ndizoyambitsa 22% yamisudzulo yonse, ndikupangitsa kuti likhale lachitatu kutsogolera kusudzulana. Kusasamala ndalama zomwe mumayembekezera m'banja ndi chiopsezo chachikulu ndi zotsatira zomwe simukufuna kutchova juga.
Mukakwatirana, muli mu mgwirizano, mukugwira ntchito mogwirizana. Zina mwazokhudza ndalama. Chifukwa chake musanadzipezere nokha kukangana kapena kukhumudwitsidwa ndi malingaliro amnzanu komanso momwe amawonera ndalama ndizomveka kuti muganizire zomwe inu ndi mnzanu mumayembekezera muukwati.
Kutenga nthawi kuti mumvetsetse zomwe mumayembekezera muukwati kumachepetsa mavuto omwe angakhalepo monga kumverera ngati mukuwongoleredwa, kuda nkhawa ndi ngongole za mnzanu kapena kugula zinthu, kapena kudzimva kuti ndinu wolakwa mukamagwiritsa ntchito ndalama. Itha kulimbikitsanso kulumikizana, kukambirana ndi kukambirana bwino zakukonzekera moyo wanu wamtsogolo ndipo ngati mungayesetse, kuyandikana pamodzi ngati banja mukamaphunzira kugwira ntchito limodzi kuti mupange ndikukwaniritsa zolinga zanu zamtsogolo.
Nawa madera ochepa omwe mungayang'anire kuti muthe kuthana ndi zovuta zomwe zingachitike chifukwa chongoyembekezera ndalama m'banja.
1. Yambani momwe mukufunira kupitilira
Chimodzi mwazolakwika zazikulu zomwe maanja ambiri amapanga ndikuti amawononga ndalama zochuluka kwambiri patsiku laukwati wawo. Uku ndikuyembekezera ndalama limodzi muukwati komwe kumatha kukhazikitsa mabanja pamavuto azachuma kuyambira pomwe adayamba.
Pomwe mukuyamba, pali njira zina zambiri zothandiza zomwe mungagwiritsire ntchito ndalama zanu kuti mukhale ndi moyo wabwino ndikudziyambitsa bwino. Ndizomveka kwambiri kupeŵa dzenje la ndalamazi ndikuyika bajeti yanu yaukwati kutsika kwambiri kuposa momwe mungakwaniritsire, ndi tsiku lokhalo. Ukwati wanu ndiwamoyo wonse!
Ndimalingaliro oyipa kukhazikitsa ngongole yapa kirediti kadi kuti muchite ukwati kuti mutha kuyambiranso moyo wanu wabanja kuyesera kubweza ngongolezo.
Pali njira zambiri zosangalalira tsiku laukwati lotsika mtengo lomwe lingakhale lokongola komanso losaiwalika ngati lomwe lakuwonongerani ufulu wazachuma wazaka zisanu!
2. Kuwulula kwathunthu
Ambiri aife tili ndi mafupa azachuma m'chipinda chathu, ndipo ngakhale kukambirana momwe timakhalira ndi anzathu sizomwe zimakhala zosangalatsa - ndizofunikira. Ngati ziyembekezo zanu za ndalama muukwati zikuganiza kuti mutha kubisa zinsinsi zanu zachuma mutakwatirana, mungafunikire kulingaliranso chifukwa mudzakhala pachiwopsezo chachikulu pabanja lanu.
Kupatula nthawi kuti mumvetsetse ndikuvomerezana momwe ndalama zilili panopo komanso malingaliro anu zikutanthauza kuti mudzatha kudziwa poyambira pakupanga dongosolo lomveka bwino la momwe mungakwaniritsire zolinga zanu limodzi.
Popanda kuwulula zonse, mudzakumana ndi mavuto, kapena mudzakhala ndi zofotokozera zakutsogolo nthawi ina, zomwe mosakayikira zidzapangitsa kuti muchepetse kukhulupirirana muubwenzi wanu ndi ndalama.
Onetsetsani kuti mukunena zowona za ngongole zanu, momwe mumagwiritsira ntchito ndalama, zoyipa, zoyambitsa nkhawa komanso zomwe mumayembekezera komanso momwe mungapangire ndalama kuti mupange maziko olimba azachuma chanu chamtsogolo.
3. Gwirizanitsani zoyembekezera zanu ndi cholinga chomwecho
Mukamakhala moyo wanu limodzi mukhala ndi zolinga komanso chiyembekezo chachuma chomwe mukufuna kuchita, mwina ndi nyumba yayikulu, tchuthi, kukonzekera banja, kuchotsa ngongole kapena kukonzekera kupuma pantchito, zilizonse, padzakhala chokulirapo cholinga. Koma vuto ndilakuti okwatirana onse atha kukhala ndi ziyembekezo zosiyana kotheratu pazisankho zazikulu zomwe akufuna kupanga. Chifukwa chake ndikofunikira kuti mukambirane zolinga zanu zachuma komanso zokhumba zanu ndiyeno nonse awiri mukugwirizana pazolinga zomwe mukufuna kukwaniritsa. Mwanjira imeneyi nonse mutha kupezedwa ndalama kuti mugwire gawo lanu pakukwaniritsa cholinga chanu. Mgwirizano muukwati ndi zachuma komanso zolinga zawo ndizofunikira pamtendere ndi chisangalalo muubwenzi.
Koma kukwaniritsa zolinga zanu ndi gawo loyamba basi, kenako muyenera kupanga dongosolo lowerengera limodzi kuti muwone ngati mukufunabe cholingachi, momwe mwakwanitsira kukwaniritsa zolinga zanu, komanso zosintha zomwe mungasinthe ndimakonda kupanga. Popanda kulowa, kamodzi pachaka, muiwala za izi ndipo mutha kusiya zolinga zanu zofunika zachuma.
4. Khazikitsani bajeti yanu
Ndikofunikira kukhazikitsa bajeti zapakhomo ndi zanu kuti mukwaniritse zolinga zanu zachuma, ndipo onse akumva ngati mukuthandizira kukwaniritsa cholinga (ngakhale atakhala munthu m'modzi yekha amene akupanga ndalama). Mwanjira imeneyi, bilu yanu yogulitsa simayamba kuwonjezeka kuti musavutike, mudzazimitsa magetsi, kapena kuphatikiza maulendo muulendo umodzi wosungira mafuta, zonse zomwe zimathandizira kusunga bajeti yanu.
Kukhala ndi bajeti yomwe mwagwirizana kudzathandizanso osati kungoyendetsa ndalama zanu zokha komanso kumathandizanso mnzanu kudziona kuti ndi wolakwa pakugwiritsa ntchito ndalama, kapena kuletsedwa kugula china chake chomwe angafune kapena kufuna kudzathenso kuthana ndi mavuto.
Tsatirani malangizo awa oyendetsera ndalama kuti mukhale ndi banja labwino. Ndalama sindizo zokha zomwe zimapangitsa banja kukhala losangalala, komabe, kusasamala bwino ndalama kumatha kuyambitsa mikangano ndi kuwonongeka kwa kulumikizana mbanja. Ukwati ndi zachuma zimayenderana ndipo ndikofunikira kusamalira ndikugwirizanitsa ziyembekezo za ndalama m'banja.