Zamkati
- 1. Pangani bajeti yolipirira mwezi uliwonse
- 2. Khalani ndi akaunti yosunga (ziwiri zenizeni)
- 3. Perekani ngongole zanu
- 4. Pitani mosavuta pa makhadi a kirediti kadi
- 5. Pezani dongosolo limodzi lokhala pantchito
Kodi sizosangalatsa kuti zikafika pokonzekera maukwati athu, timakhala osamala kwambiri - mpaka mtundu wa maluwa omwe timafuna pamwambowu komanso malo okhala phwando.
Komabe, zikafika pamaukwati athu, ambiri a ife sitimathera nthawi yochulukirapo tikukonzekera tsogolo lathu, kaya ndi zauzimu, za ubale, kapenanso ndalama zaukwati.
Mwina ndichifukwa chake maanja ambiri amapezeka m'malo ovuta posamalira ndalama zawo atakwatirana.
Sichifukwa chakuti chikondi kulibe; ndichoti popeza kulibe dongosolo, zinthu zimatha kukhala zosalamulirika kwakuti zimakhala zovuta kudziwa momwe mungapezere malire pakati paukwati ndi zachuma.
Ndipo pamene palibe lingaliro la kukhazikika muubwenzi, ndizovuta kudziwa choti muchite. Izi zitha kukhala zowona makamaka pankhani zachuma m'banja.
Ngati inu ndi mnzanu mwapezeka kuti muli pamavuto ochulukirapo kuposa momwe mungaganizire, tikufuna kukupatsirani maupangiri azachuma pokwaniritsa mndandanda wazokwatirana.
Izi ndi zinthu zochepa chabe zofunika kudziwa musanalowe m'banja ngakhale mutakwatirana, zomwe muyenera kuzilemba mwezi uliwonse. Mwanjira imeneyi, mutha kukhala patsogolo pazachuma chanu m'banja kuti zisadzakulepheretseni.
Ndiye ngati mukudabwa momwe mungayendetsere ndalama m'banja? Kapena kuphatikiza ndalama mutakwatirana? Nawu mndandanda wazachuma womwe mungaganizire pothetsa mavuto azachuma m'banja.
1. Pangani bajeti yolipirira mwezi uliwonse
Ngakhale akunena kuti "kunyumba ndikomwe mtima ulipo," tili otsimikiza kuti muvomereza kuti kwanu ndiponso komwe kuli nyumba yanu.
Mwanjira ina, kukhala otetezeka pachuma, ndikofunikira kuwonetsetsa kuti abo
Zonse zina; muli ndi ndalama zokwanira kubweza zolipirira banja lanu pamwezi.
Izi zikuphatikiza ngongole yanyumba / yanyumba yanu, zothandiza, inshuwaransi ya nyumba, komanso ndalama zokwanira kukonzanso ndi zovuta zanyumba.
Mukadziwa bwino bajeti yanu yonse, yesetsani kusunga ndalamazo kawiri. Mwanjira imeneyi, nthawi zonse mudzakhala patsogolo.
Kupanga bajeti ya mwezi uliwonse ndiupangiri wabwino kwambiri pakuwongolera ndalama mutakwatirana.
Zina mwazabwino zomwe mumapeza pakupanga bajeti ndi monga: kukonzekera zakutsogolo, kuwongolera ndalama zanu komanso mavuto am'banja, ndikuchepetsa ngongole zanu kapena opanda ngongole
2. Khalani ndi akaunti yosunga (ziwiri zenizeni)
Banja lililonse liyenera kukhala ndi maakaunti awiri osungira. Imodzi ndi thumba ladzidzidzi losachepera $ 1,500. Izi zitha kusamalira zinthu zosayembekezereka ngati galimoto yanu itawonongeka kapena ngakhale mutachotsedwa ntchito ndipo mukusowa khushoni.
Nkhani inayo ndi nkhani yokhudza banja lanu lokha. Ndalama zomwe mungagwiritse ntchito patchuthi chofunikira kwambiri kapena kugwiritsa ntchito tsiku lachikondi la spa nonse awiri.
Kupatula phindu lodziwikiratu lopeza chiwongola dzanja pamasungidwe anu, akaunti yopulumutsa ingathandizenso kupeza ndalama mosavuta, kuchepa kapena kuwopsa, ndalama zimangobwerekedwa ku akaunti yanu, ndipo mutha kulumikiza ndi kuwunika kwanu nthawi iliyonse yomwe mukufuna.
Muthanso kuyesa kuphatikiza ndalama musanakwatirane m'malo mophatikiza ndalama mutakwatirana; Mwanjira imeneyi, mutha kudzitchinjiriza kuzinthu zilizonse zosayembekezereka mtsogolo.
3. Perekani ngongole zanu
Pafupifupi aliyense ali ndi ngongole zake, ndipo muyenera kuyika ndalama zina kuti muzibweza. Ngakhale zili $ 25 zokha pamwezi kulipira ngongole, potumiza ndalamazo, mukuwonetsa omwe akukongoletsani kuti mukuyesetsa kuchitapo kanthu.
Kuphatikiza apo, zingawalepheretse kukuwuzani ku ofesi ya ngongole, yomwe nthawi zonse imakhala yopindulitsa. Zithandizira kupewa kuti ngongole yanu yangongole isakhudzidwe pano ndi mtsogolo.
Kaya kuphatikiza ndalama mutakwatirana kapena kukwatiwa chifukwa chachuma, mukadziwa momwe mungagwiritsire ntchito ndalama m'banja kulipira ngongole yanu kumakhala kosavuta komanso kosavuta.
4. Pitani mosavuta pa makhadi a kirediti kadi
Kodi pali cholakwika chilichonse ndi kukhala ndi kirediti kadi? Ayi. Vuto limabwera mukamadalira okhawo omwe muyenera kulipira pazinthu zina.
Ma kirediti kadi si ndalama. Ndi ngongole zomwe zimabwera ngati makhadi apulasitiki. Izi zikutanthauza kuti ali ndi chidwi.
Chifukwa chake, muyenera kungogwiritsa ntchito kusungitsa malo, ngati mwadzidzidzi kapena kuti mugule kwakukulu. Kupanda kutero, ndalama zimakhala zabwino nthawi zonse.
Langizo limodzi lokha limatha kukupulumutsirani madola masauzande ndikukulepheretsani kubweza ngongole zamtsogolo.
Pofuna kupewa kuwononga ndalama zambiri pa kirediti kadi yanu, kumbukirani izi:
- Dzikumbutseni kuti pamapeto pake mudzayenera kubweza.
- Pewani kugwiritsa ntchito ma kirediti kadi angapo.
- Sungani kugula kosafunikira.
- Musalole kuti ngongole yanu ikulamulireni ndalama.
- Kugula patsiku lovuta - siyani kirediti kadi yanu kunyumba.
Onaninso: Momwe mungakulitsire kwambiri kuchuluka kwanu kwa ngongole (Njira yayifupi)
5. Pezani dongosolo limodzi lokhala pantchito
Pali malipoti ambiri osonyeza kuti anthu ambiri samayembekezera kupuma pantchito. Osati chifukwa chakuti safuna koma chifukwa sangakwanitse.
Ngati mukumva ngati inu ndi theka lanu muli awiri mwa anthuwa, palibe nthawi ngati ino yokhazikitsira dongosolo lantchito limodzi. Pali zambiri zapaintaneti zomwe zingakupangitseni masitepewo.
Palibe chofanana ndikukhala moyo wanu pakadali pano, ndipo ndizodabwitsa kwambiri mukamafotokozera zomwe mumakumana nazo ndi omwe mumakonda.
Koma chodabwitsa kwambiri ndikudziwa kuti kutsatira izi ndandanda yazachuma yaukwati, mutha kukhala ndi tsogolo labwino pazachuma ndikukhalabe mosangalala.