Zamkati
- 1. Sankhani zida zosinthira
- 2. Lembani zovala za unamwino
- 3. Yembekezani malonda a flash
- 4. Gulani zovala zokhala ndi malo oti zikule
- 5. Gawanani chakudya
- 6. Lembani chikwama cha thewera
- 7. Pangani bajeti yanu
- 8. Chepetsani ndalama zosafunikira
- 9. Dzitseni makhadi a ngongole
Kulimbana ndi chuma monga kholo latsopano? Tsatirani malangizo 9 awa kuti musunge ndalama!
Ana amatha kuwonjezera chisangalalo ndi kuseka pamiyoyo yotopetsa ya makolo, komanso amawonjezeranso mndandanda watsopano wazowonongera bajeti yabanja.
Kuyambira pazovala ndi zowonjezera mpaka zinthu za nazale mpaka magiya a ana, mndandandawu ukuwoneka kuti ulibe malire. Ndipo panthawi yogula izi, ndalama zikuwoneka ngati maloto osatheka.
Zingakhale zovuta kuti musamalire ndalama zanu posankha zomwe muyenera kugula ndi zomwe sizili.
Ngati ndinu kholo latsopano lomwe likudandaula momwe mungasungire ndalama komanso kufunafuna mwachidwi malangizo a kasamalidwe ka ndalama, ndi maupangiri kwa makolo atsopano, musayang'anenso kwina.
Lolani nkhaniyi ikuthandizireni kuti muchepetse mavuto anu azachuma ndi malangizo ofunikira atsopano a makolo, komanso malangizo opulumutsa ndalama.
1. Sankhani zida zosinthira
Chimodzi mwamalangizo ofunikira pakuwongolera ndalama ndikusankha zida zosinthira. Chifukwa cha ukadaulo wapamwamba, mutha kupeza mosavuta zida zomwe zingakule ndi mwana wanu.
Kuchokera kwa oyendetsa omwe amasintha pamene mwana wanu wakhanda amakhala wakhanda mpaka makanda a makanda omwe amasandulika mabedi aang'ono, pali zosankha zingapo kunjaku. Magiya osinthika otere amathandizira kuchepetsa zinthu zomwe muyenera kugula, kukuthandizani kuti muchepetse mtengo.
Mwachitsanzo, mwana wanu akadzakula, simudzasowa kugula bedi latsopano kapena woyenda pompopompo ngati omwe alipo atha kusinthidwa kuti akwaniritse zosowa za mwana wanu wokula.
Kuphatikiza apo, zinthu monga mipando ya bouncy ndi mipando yayitali imabweranso ndi ziwalo zina, kuti zikhale zosavuta kuzikonza, ngati zaphwanyika.
2. Lembani zovala za unamwino
Mukukonzekera kuyamwitsa mwana wanu? Chisankho chabwino kwa ana anu onse ndikuwongolera ndalama zanu!
Komabe, kuwononga ndalama zomwe zasungidwa pamitundu yonse ya zovala za unamwino sichingakhale chisankho chanzeru.
Zip up hoodies, malaya okhala ndi batani, ngakhale nsonga zamatangi ndi ma t-shirts amatha kugwira ntchitoyi mofanana ndi nsonga za unamwino.
Kuphatikiza apo, mpango waukulu ungakhale ngati chivundikiro cha anamwino ngati mungasankhe kubisa munthawi ya unamwino.
Chifukwa chake, musawononge ndalama zambiri pazovala zanu zaunamwino. Amatha kukuyesani, makamaka ngati ndinu mayi woyamba kukhala nawo, koma musalole kuti mugwere nawo.
3. Yembekezani malonda a flash
Mukuyesera kugula zovala zazing'ono zazing'ono? Ndikudziwa, nsapato zing'onozing'onozi ndi zokongola kwambiri! Ndipo zovala zakugonazi zimawoneka zokongola. Koma, musalole kuti awatchere amayi kapena abambo anu ndi kudekha kwawo.
Nsapato kapena masuti ogona amatha kudikira m'sitoloyo. Ngakhale atagulitsidwa, mutha kupeza ena okopa nthawi zonse. Chifukwa chake, musathamangire. Monga gawo la kasamalidwe kabwino ka ndalama, muwagule akagulitsa.
Pangani mndandanda wazinthu zomwe muyenera kugula ndikuzigula panthawi yogulitsa kung'anima. Popeza makanda amakula mwachangu, kuwononga ndalama ndi zovala ndi nsapato kumangokupangitsani mavuto anu azachuma kukhala ovuta kwambiri.
Chifukwa chake, chitani zinthu mwanzeru, gulani mwanzeru, ndikusunga ndalama.
4. Gulani zovala zokhala ndi malo oti zikule
Monga tanenera poyamba, makanda amakula msanga, choncho ndi bwino kugula zovala zokula msinkhu umodzi. Zithandiza mwana wanu kukula kukhala chovalacho osachichotsa mwachangu.
Kuphatikiza apo, mathalauza kapena ma leggings amatha kukhala capris kapena madiresi amatha kukhala malaya mwana wanu akamakula. Izi zili choncho, kasamalidwe ka ndalama ndi kokhudza momwe mumagwiritsira ntchito zinthu.
5. Gawanani chakudya
Chakudya cha mwana chokhala m'matumba chitha kukhala chodula kwambiri. Chifukwa chake, bwanji osadzipaka nokha zipatso kapena ndiwo zamasamba?
M'malo mwake, mwana wanu akauzidwa zakudya zolimba, kugawana nawo chakudya ndi lingaliro labwino. Kuwapangitsa kudya chakudya cha patebulo nthawi zambiri kumatha kukhala ndi zizolowezi zabwino zodyera.
Adzakhala osasamala za chakudya chawo akadzakula. Ndipo, ndi chiyani chabwino kuposa chakudya chopangidwa ndi thanzi kunyumba?
Chifukwa chake, yambani kugawana ndalama moyenera ndikuchepetsa vutoli.
Onerani kanemayu kuti mupeze malangizo othandizira mwana chakudya kunyumba:
6. Lembani chikwama cha thewera
Kodi mumakopeka ndi zikwama zazing'ono zamakanda?
Ndikhulupirireni, kuti thumba kapena chikwama chomwe muli nacho kale chitha kugwira ntchitoyi bwino ngati matumba amtengo wapatali.
Komanso, ngati mungasankhe kuyamwitsa mwana wanu kokha, simudzakhala ndi zambiri zoti mutenge m'thumba lanu. Koma, ngakhale mutasankha kupereka fomula, botolo ndi chidebe sizikhala ndi malo ambiri m'thumba lanu.
Ngati mukuganizabe kuti mukufuna thumba la mwana, pitani kotsika mtengo. Izi zitha kukhala zothandiza monga zotsika mtengo.
7. Pangani bajeti yanu
Kupanga bajeti ndichofunikira pakuwongolera ndalama.
Kusamalira ndalama kumathandizadi pakusamalira ndalama zanu. Zimakuthandizani kudziwa komwe ndalama zanu zikupita komanso momwe mungadulire.
Mukayamba kutsatira momwe mumagwiritsira ntchito ndalama, zimakuthandizani kudziwa komwe mungasunge ndalama.
Kukhala ndi bajeti mwezi uliwonse kumakupatsani mwayi wodziwa momwe mungagwiritsire ntchito ndalama mwanzeru. Zimakuthandizani kusintha momwe mumagwiritsira ntchito ndalama.
8. Chepetsani ndalama zosafunikira
Mukamaliza kupanga bajeti, yesetsani kuchepetsa zolipirira pamwezi. Kumbukirani, dola iliyonse yomwe mumasunga imatanthauza dola ina kulipira mwana wanu.
Nawa maupangiri ochepa oyendetsera ndalama kukuthandizani kuti muchepetse ndalama zosafunikira:
- Kuchepetsa kudalira nyengo yotentha nthawi yotentha
- Kuchepetsa kutentha m'nyumba ndi madigiri angapo m'nyengo yozizira
- Kutenga mvula yayifupi
- Kutulutsa zida zamagetsi kapena magetsi omwe sagwiritsidwa ntchito kawirikawiri, kuti muchepetse mphamvu yanu yamagetsi
- Kuwonera Netflix, kuitana anzanu kuti adzadye chakudya m'malo mopita kukadya chakudya chamtengo wapatali kapena kanema
- Kutseka pakukweza foni kapena TV yatsopano
9. Dzitseni makhadi a ngongole
Mukufuna kumamatira ku mapulani anu oyang'anira ndalama?
Inde, ndi nthawi yoti mutaye makhadi anu a kirediti kadi. Mwachidule, achotseni m'moyo wanu, ngati mukufuna kukhala ndi dongosolo lazachuma!
Ma kirediti kadi atha kukuwonongerani akaunti yanu yakubanki. Chifukwa chake, kuti muchepetse ndalama zowonjezerapo ndikuwononga zambiri pazofunikira za mwana, ndikofunikira kulingalira zosintha zazing'onozi m'moyo wanu.
Nayi kanema wa bambo watsopano wogawana zomwe adaphunzira za ndalama ndi ana - njira yovuta.
Mawu omaliza
Kuyambira pa bajeti mpaka pochepetsa ndalama zosafunikira, pali zosintha zambiri zomwe mungapange pamoyo wanu watsiku ndi tsiku kuti muwone zotsatira zabwino. Zosintha zazing'ono pakugwiritsa ntchito ndalama zimatha kubweretsa ndalama zambiri zosungidwa.
Pamene moyo ungasangalale ndi zochepa, bwanji mukuwononga zambiri ndikupanga mavuto azachuma? Zonse ndizokhudza momwe mungayang'anire zinthu. Chifukwa chake, patsani ndalama mwanzeru ndikusunga kwambiri!
Kupatula apo, zimatenga nthawi yayitali komanso mphamvu kuti mupeze ndalama zomwe mungagwiritse ntchito mphindi 5 zokha. Kusunga ndalama kumawonetsetsa kuti mwana wanu walowa padziko lapansi ndikukula m'malo azachuma.