Zamkati
- Kubisirana ndalama
- Kunyalanyaza mbiri yanu yazachuma
- Kuthetsa nkhaniyi
- Kukhala mopitirira zomwe simungakwanitse
- Kusungitsa chuma chanu chonse mosiyana
- Osakhala ndi zolinga zofanana
- Kuyiwala kukambilana wina ndi mnzake
- Kuyanjana wina ndi mnzake
- Osakakamira ku bajeti
Nkhani za ndalama ndizo zimayambitsa mavuto a m'banja ngakhale kusudzulana. Ndalama ndi nkhani yaminga yomwe posachedwa imatha kukulira ndewu, mkwiyo komanso chidani chachikulu.
Siziyenera kukhala choncho. Ndalama zitha kukhala zovuta koma siziyenera kutero. Onani zochitika zachuma zomwe zimawononga maukwati, ndipo phunzirani zomwe mungachite nazo.
Kubisirana ndalama
Kubisirana ndalama ndi njira yotsimikizika yolimbikitsira mkwiyo ndikuwononga kukhulupirirana. Monga banja, ndinu ogwirizana. Izi zikutanthauza kukhala omasukirana wina ndi mzake pazinthu zonse zachuma. Ngati mukubisa ndalama chifukwa simukufuna kugawana zomwe muli nazo kapena simukukhulupirira mnzanu kuti asawonongeke, ndi nthawi yoti mukambirane mozama.
Zoyenera kuchita: Gwirizanani kukhala oona mtima kwa wina ndi mnzake za ndalama zonse zomwe mudzabweretse m'nyumba mwanu.
Kunyalanyaza mbiri yanu yazachuma
Anthu ambiri ali ndi mtundu wina wazachuma. Kaya ndikusowa ndalama, ngongole zambiri zaophunzira, ndalama zowopsa za kirediti kadi kapena bankirapuse, mwayi nonse muli ndi mafupa azandalama mchipinda. Kubisa ndi kulakwitsa - kuwona mtima ndikofunikira kuti banja likhale lolimba, ndipo kuwona mtima pazachuma ndikofunikira monga mtundu wina uliwonse.
Zoyenera kuchita: Uzani mnzanu zoona. Ngati amakukondanidi, amalandira ndalama zanu komanso zonse.
Kuthetsa nkhaniyi
Ndalama siziyenera kukhala nkhani yakuda. Kusesa pansi pa kalipeti kumangobweretsa mavuto kukulirakulira. Kaya ndalama zanu zikuluzikulu ndi ngongole, kusachita bwino ndalama, kapena kungopanga bajeti yabwinopo tsiku lililonse, kunyalanyaza siyabwino.
Zoyenera kuchita: Patulani nthawi yokambirana momasuka za ndalama. Khazikitsani zolinga zanu limodzi ndikukambirana zolinga zanu monga gulu.
Kukhala mopitirira zomwe simungakwanitse
Kugwiritsa ntchito mopitirira muyeso ndi njira yachangu yowonjezera mavuto azachuma m'banja lanu. Zachidziwikire kuti zimakhumudwitsa bajeti yanu siyokwanira kutengera tchuthi, zosangalatsa, kapena Starbucks yowonjezera, koma kuwononga ndalama siyankho. Ndalama zanu zidzakhala zopanda kanthu, ndipo nkhawa zanu zidzakhala zazikulu.
Zoyenera kuchita: Gwirizanani kuti nonse muzikhala ndi ndalama zomwe mungakwanitse ndipo mupewe ngongole zosafunikira kapena kuchita zinthu mopitirira muyeso.
Kusungitsa chuma chanu chonse mosiyana
Mukakwatirana, mumakhala ogwirizana. Simuyenera kuchita kuphatikiza chilichonse chomwe muli nacho, koma kusiyanitsa chilichonse kungayambitse mkangano pakati panu. Kusewera masewerawa "awa ndi anga ndipo sindikugawana" kapena "Ndimalandira zochulukirapo kotero ndiyenera kupanga zisankho" ndi njira yachangu yamavuto.
Zoyenera kuchita: Gwirizanani pamodzi momwe aliyense azithandizira pa bajeti ya banja lanu, ndi kuchuluka kwa zomwe muyenera kupatula kuti mugwiritse ntchito.
Osakhala ndi zolinga zofanana
Aliyense ali ndi "umunthu wa ndalama" wake womwe umakhudza momwe amagwiritsira ntchito ndikusunga. Inu ndi mnzanu simudzagawana zolinga zanu nthawi zonse, koma kukhazikitsa zolinga zomwe mwagawana ndizothandiza kwambiri. Musaiwale kuchezerana pafupipafupi kuti muwonetsetse kuti nonse muli patsamba limodzi.
Zoyenera kuchita: Khalani pansi ndi kuvomereza zolinga zina zomwe mumagawana. Mungafune kukhala ndi ndalama zakusunga, kapena kuyika zokwanira patchuthi kapena pantchito yabwino. Chilichonse chomwe chingakhale, chitchuleni, kenako pangani dongosolo loti mugwirire limodzi.
Kuyiwala kukambilana wina ndi mnzake
Kuyiwala kuonana wina ndi mnzake pazogula zazikulu ndizomwe zimayambitsa mikangano pabanja lililonse. Kuzindikira kuti wokondedwa wanu watenga ndalama mu bajeti yanu kuti mugule zazikulu osakambirana kaye ndikutsimikizirani kuti zikuthandizani. Momwemonso, kugula kwakukulu popanda kufunsa kudzawakhumudwitsa.
Zoyenera kuchita: Nthawi zonse muzifunsana musanagule zazikulu. Gwirizanani za ndalama zovomerezeka zomwe aliyense angagwiritse ntchito osakambirana kaye; pogula kulikonse pamtengo umenewo, kambiranani za izi.
Kuyanjana wina ndi mnzake
Kuyankhula zakugula kwakukulu ndi lingaliro labwino, koma kumverera ngati muli ndi ngongole ndi mnzanu chifukwa chachinthu chilichonse chomwe mumagwiritsa ntchito, sichoncho. Kuyang'anira zinthu zonse zomwe ena amagwiritsa ntchito kumawonetsa kusakhulupirika, ndipo kumverera kolamulira kwa mnzake. Muyenera kukambirana zinthu zazikulu zamatikiti; simuyenera kukambirana za kapu iliyonse ya khofi.
Zoyenera kuchita: Gwirizanani za thumba la discretionary lomwe aliyense wa inu adzakhala nalo popanda kufunikira kuyankha mnzake.
Osakakamira ku bajeti
Bajeti ndi chida chofunikira kwambiri pabanja lililonse. Kukhala ndi bajeti ndikumamatira kumakuthandizani kuti muzitha kuyendetsa zolowera ndi zotuluka, ndikupangitsa kuti musamawone pang'ono pomwe ndalama zimachokera, ndi komwe zikupita. Kupatuka pa bajeti kumatha kutaya ndalama zanu ndikukusiyirani pomwe ngongole zibwera.
Zoyenera kuchita: Khalani pansi pamodzi ndi kugwirizana bajeti. Phimbani zonse kuyambira ngongole zapazonse mpaka Khrisimasi ndi masiku okumbukira kubadwa, ndalama za ana, usiku ndi zina zambiri. Mukangogwirizana za bajeti yanu, musamamatire.
Ndalama siziyenera kukhala mkangano m'banja mwanu. Ndi kuwona mtima, mtima wogwirira ntchito limodzi, ndi zina zomwe mungachite, mutha kukhala ndi ubale wabwino ndi ndalama zomwe zingakupindulitseni nonse.