Zamkati
- Malangizo 15 okhudzana ndi kusamalira chuma m'banja
- 1. Yambani kukamba za ndalama ukwati usanachitike
- 2. Unikani ubale wanu ndi ndalama
- 3. Gwiritsani ntchito makadi akubanki m'malo mongogulira makadi pangongole kuti mupeze ndalama
- 4. Kutanthauzira zolinga zakanthawi kochepa komanso zazitali za ndalama zanu
- 5. Kambiranani zopereka zothandizira makolo
- 6. Sankhani dongosolo la ndalama kwa ana
- 7. Kambiranani za ndalama zomwe mkazi m'modzi angapeze pakhomo
- 8. Khalani ndi usiku wazachuma mwezi uliwonse
- 9. Ngati mukufunikira, funsani upangiri wazachuma
- 10. Osasunga zinsinsi zachuma
- 11. Dziwani momwe ndalama zimagwiritsidwira ntchito
- 12. Siyani zakale, ndipo konzekerani m'tsogolo
- 13. Musakulitse bajeti yanu mopambanitsa
- 14. Kuyang'ana zogula mopupuluma
- Tengera kwina
Kulankhula za zachuma ndi ukwati ndi imodzi mwamitu yovuta kwambiri yomwe imabweretsa mayankho kuyambira "Ndi nkhani yomwe timapewa" mpaka "Bajeti yathu yapabanja ndiyowonekera bwino."
Mabanja ambiri amakhala ndi mavuto azachuma mbanja lawo; M'malo mwake, ndalama zimakhala nambala wachitatu pazifukwa zomwe mabanja amasudzulana pambuyo pa kulumikizana komanso kusakhulupirika.
Ndalama siziyenera kukhala muzu wa zoyipa zonse, makamaka chifukwa cha banja lanu. Ngati mumagwira ntchito yokonzekereratu, mutha kukhala akatswiri pakusamalira ndalama m'banja.
Mutha kuthana ndi mavuto aliwonse okhudzana ndi ndalama omwe angakhalepo paukwati wanu kapena mukadzakwatirana.
Umu ndi momwe mungathetsere mikangano yokhudza ndalama, kuyambira ndi masewera olimbitsa thupi musananene kuti "ndimatero"
Kuwerenga Kofanana: Njira Zisanu Ndi Ziwiri Zothetsera Kusamvana Pazachuma M'banja
Malangizo 15 okhudzana ndi kusamalira chuma m'banja
Ndalama ndi mutu wovuta kwa mabanja. Zingathandize ngati ayesa kupeza njira zomwe zingasamalire bwino banja. Anthu ena amachita zotchinga pankhani zachuma monga banja. Nawa maupangiri omwe angakutsogolereni pakuwongolera ndalama m'banja.
1. Yambani kukamba za ndalama ukwati usanachitike
Mungathe kuchita izi mosadalira, koma ngati mukuchita nawo uphungu musanalowe m'banja, lolani mlangizi wanu kuti atsogolere zokambiranazi.
Mudzafunika kuulula ngongole zomwe muli nazo kale, monga wophunzira, galimoto, ngongole zanyumba, ndi ngongole ya kirediti kadi.
Ngati uwu suli banja lanu loyamba, gawanani ndi mnzanu maudindo aliwonse omwe mungapeze. Chonde lankhulani za akaunti yanu yakubanki ndi zomwe zili mmenemo: kuwunika, kusunga, kusungitsa ndalama, ndi zina zambiri.
Sankhani momwe mungasamalire ndalama mutakwatirana, maakaunti osiyana, kapena zonse ziwiri?
2. Unikani ubale wanu ndi ndalama
Kodi inu ndi mnzanu mumasiyana malingaliro pa ndalama?
Ngati simukugwirizana ndi momwe mukuganizira kuti ndalama zanu ziyenera kugwiritsidwa ntchito (kapena kupulumutsidwa), muyenera kuyesetsa kupeza njira yoyendetsera ndalama yomwe imakhutitsa nonse awiri.
Mwina mungasankhe pamalire amomwe mungagwiritsire ntchito ndalama, nenani $ 100.00, ndipo chilichonse chomwe chili pamwamba pa ndalamazo chimafunika kuvomerezana chisanachitike.
Ngati simukufuna kupanga mgwirizano pazogula zazikulu, mungafune kukhala ndi maakaunti a "ndalama zosangalatsa" omwe amadzipangira okha, oti mugwiritse ntchito mukafuna china chake, monga zovala kapena masewera apakanema.
Izi zitha kuthandiza kuchepetsa mikangano popeza simukugwiritsa ntchito ndalama mumphika wamba.
3. Gwiritsani ntchito makadi akubanki m'malo mongogulira makadi pangongole kuti mupeze ndalama
Kodi zingapindule ndi momwe ndalama zoyendetsera nyumba yanu zimayendetsedwera ngati malipiro anu akusiyana kwambiri? Kodi m'modzi wa inu mumachita manyazi ndi momwe mumagwiritsira ntchito ndalama zanu?
Kodi mudakhalako, m'mbuyomu, kubisapo zilizonse zomwe mwagula kapena kulowetsa ngongole zochuluka chifukwa chogwiritsa ntchito mopitilira muyeso? Ngati ndi choncho, mwina kudula makadi anu angongole ndikugwiritsa ntchito makhadi okha kumakupindulitsani.
4. Kutanthauzira zolinga zakanthawi kochepa komanso zazitali za ndalama zanu
Nonse muyenera kuvomerezana posungira pantchito ndikupanga thumba ladzidzidzi ngati ntchito itayika. Kodi mungafune kusunga ndalama zingati mwezi uliwonse?
Kambiranani momwe mungasungire kugula kwanu koyamba kunyumba, kugula galimoto yatsopano, kapena tchuthi, kapena malo ogulitsa.
Kodi mukuvomereza kuti kukhazikitsa thumba la koleji la ana anu ndikofunikira?
Onaninso zolinga zanu zazifupi komanso zazing'ono kamodzi pachaka kuti muthe kuwerengera ndikuwunika ngati zolingazi zasintha (kapena, komabe zakwaniritsidwa!).
Ngati mukufuna, funsani upangiri wabwino wazandalama kwa anthu omwe amadziwa bwino.
5. Kambiranani zopereka zothandizira makolo
Chonde lankhulani zomwe mwathandizira kuthandizira makolo anu, pano komanso mtsogolo, pamene zosowa zawo zithandizira.
Khalani owonekera poyera mukamapereka mphatso kwa wina m'banja mwanu ndalama, makamaka ngati membala wakeyo amadalira kuwolowa manja kwanu m'malo mongopeza ntchitoyo
Onetsetsani kuti mnzanuyo akudziwa ndipo akugwirizana ndi dongosolo limeneli.
Kambiranani zosowa za makolo okalamba komanso ngati mungafune kuwasunthira pafupi ndi inu kapena ngakhale kunyumba kwanu. Kodi izi zikhudza bwanji chuma chanu?
6. Sankhani dongosolo la ndalama kwa ana
Kodi malingaliro anu ndi otani pankhani yazandalama? Kodi ana ayenera kulipidwa pantchito zomwe zimapangitsa kuti zinthu ziziyenda bwino pabanja? Akakula msinkhu woyendetsa galimoto, kodi ayenera kupatsidwa galimoto, kapena ayenera kuigwirira ntchito?
Kodi achinyamata ayenera kugwira ganyu akadali pasukulu? Ndipo koleji? Kodi ayenera kuthandizira nawo maphunziro? Kutenga ngongole zaophunzira? Nanga bwanji atangomaliza maphunziro awo kuyunivesite?
Kodi mupitiliza kuwalola kuti azikhala nyumba zaulere kunyumba? Kodi mungathandize ndi renti ya nyumba yawo yoyamba?
Izi ndi mitu yabwino kukambirana ndi mnzanuyo ndikuyambiranso pamene ana akukula ndikusintha kwachuma chanu.
7. Kambiranani za ndalama zomwe mkazi m'modzi angapeze pakhomo
Kukhala ndi mkazi m'modzi-wokhala naye pakhomo limodzi komanso amene amalandila malipiro nthawi zina kumatha kubweretsa kusamvana pankhani zandalama, popeza amene amalandila ndalama angaganize kuti akuyenera kukhala ndi mawu ambiri amomwe angagwiritsire ntchito ndalama m'banja.
Ichi ndichifukwa chake ndikofunikira kuti munthu amene amakhala panyumba azigwira ntchito komwe akumvera kuwongolera ndalama.
Pali zotheka zambiri kuti okwatirana azikhala pakhomo kuti abweretse ndalama zochepa: Kugulitsa kwa eBay, kulemba pawokha, maphunziro apadera, kusamalira ana kunyumba kapena kugulitsa ziweto, kugulitsa maluso awo ku Etsy, kapena kuchita nawo kafukufuku pa intaneti.
Cholinga ndikumverera kuti nawonso akutenga nawo gawo pazachuma pabanja ndipo ali ndi ndalama zawo kuti achite momwe angafunire.
Wopeza ndalama ayenera kuzindikira zopereka za omwe samalandira malipiro. Amapangitsa kuti nyumba ndi banja ziziyenda, ndipo popanda munthuyu, wolandirayo amayenera kulipira wina kuti achite izi.
8. Khalani ndi usiku wazachuma mwezi uliwonse
Kusamalira ndalama monga banja kungaoneke ngati chinthu chophweka chomwe chiyenera kusamalidwa, koma ndizokambirana kopitilira. Kusamalira ndalama m'banja kuyenera kukhala koyenera.
Chifukwa chake mumapatula nthawi mwezi uliwonse kuti muzisunga momwe mwasungira ndi zomwe mumagwiritsa ntchito. Mutha kukambirana za ndalama zowonjezera posachedwa, kapena muyenera kusungira zina mtsogolo.
Kambiranani zonse ndipo onetsetsani kuti nonse mumalankhula momasuka. Izi zidzakuthandizani kuwongolera ndalama m'banja.
9. Ngati mukufunikira, funsani upangiri wazachuma
Ichi mwina ndi chimodzi mwamalangizo ofunikira kwambiri kwa mabanja. Zingakhale zothandiza ngati mumvetsetsa kuti banja lanu limakhala lofunika nthawi zonse, ndipo ngati pali vuto pazachuma cha banjali, muyenera kufunafuna upangiri waluso.
Tiyerekeze kuti mukufunafuna malangizo pa kagwiritsidwe ka ndalama kapena mwasokonekera pa momwe mungayendetsere ndalama mutakwatirana. Zikatero, alangizi ambiri azachuma amapereka upangiri wazachuma kwa okwatirana.
Mutha kupeza imodzi ndikufufuza upangiri wa zachuma kwa okwatirana.
10. Osasunga zinsinsi zachuma
Kusintha kwachuma pambuyo paukwati kungakhale kovuta, koma muyenera kudziwa kuti kusunga zinsinsi zachuma kumatha kuyendetsa banja lanu mumdima wakuda.
Anthu ambiri amabisa ndalama zawo zosungitsira ndalama, ndalama zogulira ma kirediti kadi, maakaunti owunika, ndi zina zotero. Amawononga ndalama osawuza anzawo, ndipo pomwe anzawo ofunikira atazindikira, banja limasanduka nkhondo.
Ndibwino kukhala osabisa pazachuma mutakwatirana. Izi zithandizira kuti banja lanu likhale lolimba ndikuthandizani kuti mukhale ndi tsogolo labwino limodzi. Zinsinsi sizoyenera pankhani yosamalira ndalama m'banja.
Kubisa ndalama kumadzetsa mavuto m'banja ndipo kumatha kukhala koopsa pachibwenzi.
Kuwerenga Kofanana: Momwe Kukambirana Ndalama Kungathandizire Kupewera Kusamvana M'banja
11. Dziwani momwe ndalama zimagwiritsidwira ntchito
Ndibwino kudziwa ngati mnzanuyo ndiwosunga ndalama kapena wowononga ndalama. Limodzi mwa upangiri wofala kwambiri pazachuma kwa anthu okwatirana ndikudziwa kuti ndi ndani pakati pawo amene amasunga ndalama ndipo ndi ndani amene amawononga ndalama. Zimakuthandizani kuyendetsa bwino ndalama zanu.
Mutha kuyendetsa bwino ndalama muukwati popanga mgwirizano womwe ungasangalatse nonse.
Mutha kukhala ndi malire pazomwe sizimveka ngati choletsa kwa mnzake.
Ngati mukuvutika kupeza mgwirizano womwe ungakwaniritse zosowa zanu zachuma ndi za mnzanu, muyenera kupeza chithandizo cha akatswiri.
Kuwerenga Kofanana: Kodi Zolowera Momwe Mnzanu Amawonongera Zimakukhudzani?
12. Siyani zakale, ndipo konzekerani m'tsogolo
Mwina mnzanuyo adalakwitsa kale ndalama, koma muyenera kudziwa kuti nthawi zina anthu amasankha zolakwika. Nonse mutha kuwunika momwe mwasungira ndalama ndikugawana maupangiri pakuwongolera ndalama.
Khalani achangu mukamakonzekera tsogolo lanu lazachuma limodzi. Izi zidzalimbikitsa mzimu wa mnzanu ndikuwathandiza kuti aziganizira kwambiri zolinga zachuma.
Anthu ambiri amakayikira zosankha zachuma za wokondedwa wawo popanda kuziyang'ana paokha. Kungakhale kothandiza ngati mumvetsetsa ngati pali vuto kapena ayi, ndipo ngati alipo, sanjanileni nkhaniyi mosavutikira.
13. Musakulitse bajeti yanu mopambanitsa
Kusamalira ndalama m'banja kumakhala kovuta kwambiri, makamaka ngati onse awiri ali ndi ndalama zokwanira. Nthawi zina maanja samakonzekera tsogolo labwino chifukwa amadzimva kuti ali ndi ndalama pakadali pano ndikusankha zopitilira muyeso.
Mukamagwiritsa ntchito ndalama m'banja, simupanga zisankho zomwe zingasokoneze banja lanu.
Kutsogolo: Anthu nthawi zambiri amatambasula kuti agule nyumba yawo yamaloto, ndipo gawo lalikulu lazomwe amapeza zimakwaniritsidwa.
Osapanga zolakwitsa zotere poyang'anira ndalama m'banja.
14. Kuyang'ana zogula mopupuluma
Ngati muli okonzeka kugwiritsa ntchito ndalama ngati banja, muyenera kuchitira limodzi zonse zofunikira, monga magalimoto, nyumba, ndi zina zambiri.
Nthawi zina anthu amawononga ndalama zambiri mopupuluma ndipo amaganiza kuti angadabwe wokondedwa wawo akangozindikira kuti sanachite bwino.
Wokondedwa wanu asaganize kuti ataya ndalama m'banjamo. Kuwasiya pamalingaliro akulu azachuma kumatha kubweretsa mavuto m'banja lanu.
Mikangano yayikulu imatha kuchitika ngati mumagwiritsa ntchito ndalama zambiri osafunsa mnzanu. Ndi imodzi mwamaupangiri abwino azachuma omwe mungapeze.
Tengera kwina
Ndinu gulu logwirizana, ndipo ngakhale m'modzi yekha mwa inu akagwire ntchito kunja, nonse mumagwira ntchito.
Kupenda ndalama m'banja lanu kumatha kukhala malo ovuta, koma chinthu chabwino kwambiri chomwe mungachite ndi kukhala omasuka, owonamtima, ndikudzipereka kulumikizana mosalekeza pamutuwu.
Yambitsani banja lanu kumanja ndikulankhula zakusamalira ndalama ndikubwera ndi pulani yanzeru yothanirana ndi bajeti, kagwiritsidwe ntchito, ndi kusungitsa ndalama.
Mvetsetsani zomwe zikuyenera kuchitidwa pankhani zachuma mutakwatirana kuti moyo wanu ukhale wosangalatsa komanso wokhutiritsa.
Kukhazikitsa njira zoyendetsera ndalama koyambirira kwaukwati wanu ndi gawo lofunikira la moyo wathanzi, wachimwemwe, komanso wodalirika pachuma.