Zamkati
- 1. Mumapeza zolemba za kirediti kadi zosadziwika
- 2. Dzina lanu lachotsedwa muakaunti yolumikizana
- 3. Wokondedwa wanu amadera nkhawa kwambiri za kusungitsa makalata
- 4. Wokondedwa wanu ali ndi katundu watsopano
- 5. Ndalama zomwe mwasunga kapena zomwe mumafufuza zimasowa
- 6. Wokondedwa wanu amakhudzidwa kwambiri mukafuna kukambirana za ndalama
- 7. Wokondedwa wanu amanama za zomwe mumagwiritsa ntchito
- 8. Wokondedwa wanu akuwoneka wokonda ndalama komanso bajeti
- Kodi timatani nazo?
- Kuwululidwa kwathunthu
- Pangani kudzipereka kuti musinthe
Nthawi zambiri kusakhulupirika kwachuma kumatha kukhala chizindikiro cha zovuta zakuya m'banja. Itha kukhala ndi mizu mumadzimva osatetezeka ndikusowa chitetezo kapena kuwongolera.
Kusakhulupirika kwachuma kumatha kufotokozedwa ngati kunama mwadala kapena mwadala kwa mnzanu za ndalama, ngongole, ndi / kapena ngongole. Sitikuiwala mwa apo ndi apo kulemba cheke kapena khadi yakubanki. Zimakhala ngati wina abisa chinsinsi chokhudza mnzake. Malinga ndi National Endowment for Financial Education, awiri mwa asanu aku America achita zachiwerewere.
Nthawi zina, kusakhulupirika kwachuma kwakhala kukuchitika kwazaka zambiri ndipo sikudziwika ndipo nthawi zina, wokondedwa wanu angaganize kuti zikuchitika koma amaganiza kapena kukana chifukwa akuvutika kukhulupirira kuti wokondedwa wawo akhoza kukhala wachinyengo.
Izi ndizowona makamaka pa "Romantic Stage," yomwe ndi nthawi yoyambirira yaukwati pomwe maanja amakonda kuvala magalasi amtundu wa rozi ndipo amafuna kuti aziwonana bwino ndikunyalanyaza zolakwa kapena zofooka za anzawo.
8 Mbendera Yofiira Yosakhulupirika Kwachuma
1. Mumapeza zolemba za kirediti kadi zosadziwika
Ndalamazo sizinasinthidwe kapena kubisidwa kwa inu ndipo zimakhala ndi malire. Pamapeto pake, mnzanuyo atha kuyesetsa kuwongolera maakaunti ndi mapasiwedi.
2. Dzina lanu lachotsedwa muakaunti yolumikizana
Mwina simukupeza izi nthawi yomweyo ndipo mnzanu mwina ali ndi chifukwa chomveka chobisa zifukwa zenizeni zochitira izi osakuwuzani.
3. Wokondedwa wanu amadera nkhawa kwambiri za kusungitsa makalata
Amathanso kusiya ntchito molawirira kuti atsimikizire kuti amatenga makalata inu musanachitike.
4. Wokondedwa wanu ali ndi katundu watsopano
Wokondedwa wanu ali ndi zinthu zatsopano zomwe amayesa kubisala kwa inu ndipo mukafunsa funso za izo, zimawoneka kuti ndi otanganidwa kwambiri kuti sangalankhule kapena kusintha mutuwo.
5. Ndalama zomwe mwasunga kapena zomwe mumafufuza zimasowa
Mnzanu sakulongosola bwino za izi ndipo amazinyalanyaza ngati kulakwitsa kubanki kapena kuchepetsa kutayika.
6. Wokondedwa wanu amakhudzidwa kwambiri mukafuna kukambirana za ndalama
Amatha kukuwuzani, kukunenani kuti simumvera, komanso / kapena kuyamba kulira mukamabweretsa ndalama.
7. Wokondedwa wanu amanama za zomwe mumagwiritsa ntchito
Amagwiritsa ntchito kukana ndikukana kuvomereza kuti ali ndi vuto kapena amapereka zifukwa.
8. Wokondedwa wanu akuwoneka wokonda ndalama komanso bajeti
Ngakhale izi zitha kukhala zabwino, m'kupita kwanthawi, zitha kukhala chizindikiro kuti akusocheretsa, kuphatikiza ndalama muakaunti yachinsinsi, kapena ali ndi vuto logwiritsa ntchito ndalama mobisa.
Banja likamalankhulana molakwika pa nkhani za ndalama, zitha kuwononga ubale wawo chifukwa zimachepetsa kukhulupirirana ndi kukondana. Monga maanja ambiri, Shana ndi Jason, azaka zawo za m'ma 40, samakonda kulankhula za mavuto awo ndipo Shana amadzimva wosatetezeka muukwati wawo, kotero zinali zosavuta kuti amve kukhala ndi ufulu wosunga ndalama mwachinsinsi.
Atakwatirana kwazaka zopitilira khumi ndikulera ana awiri, anali atasiyana ndipo chinthu chomaliza chomwe amafuna kukambirana kumapeto kwa tsiku lalitali chinali ndalama.
Jason ananena motere: “Nditazindikira kuti Shana anali ndi akaunti yakubanki yachinsinsi, ndinamva kusakhulupirika. Panali nthawi zina zomwe tinkakhala ndi vuto lolipira ngongole za mwezi ndi nthawi yonse yomwe anali kuyika ndalama zambiri mu akaunti yake yomwe idalibe dzina langa. Pambuyo pake adavomereza kuti mwamuna wake wakale adakonza ndalama zawo asanasiyane koma ndidatayikirabe. ”
Kodi timatani nazo?
Njira yoyamba yothanirana ndi kusakhulupirika kwachuma ndikuvomereza kuti pali vuto komanso kufunitsitsa kukhala osatetezeka ndikutseguka pazinthuzo.
Anthu onse omwe ali pachibwenzi ayenera kunena zowona pazolakwitsa zawo zam'mbuyomu komanso m'mbuyomu, kuti athe kukonzanso zomwe zawonongeka.
Izi zikutanthawuza kutulutsa mawu onse, chiphaso cha kirediti kadi, bilu, kirediti kadi, cheke kapena akaunti yosunga ndalama, kapena ngongole iliyonse, kapena umboni wina wowononga ndalama.
Chotsatira, onse awiri akuyenera kudzipereka kuchitapo kanthu limodzi. Munthu amene waperekedwayo amafunika nthawi kuti azolowere tsatanetsatane wa kuphwanya kukhulupirirana ndipo izi sizingachitike mwadzidzidzi.
Kuwululidwa kwathunthu
Malinga ndi akatswiri, osafotokozera zonse, mutha kukhala pamavuto muubwenzi wanu zomwe zingachepetse kudalirana kwa ubale wanu ndi ndalama.
Munthu amene amachititsa kuti ndalama zitheke ayenera kukhala wowonekera bwino ndikukhala wokonzeka kupereka lonjezo losiya zovulaza. Ayenera kukhala ofunitsitsa kusintha zizolowezi zawo zakuwononga ndalama tsiku ndi tsiku komanso / kapena kubisa ndalama, kubwereketsa ndalama kwa ena, kapena kutchova juga.
Maanja akuyenera kugawana zambiri zazachuma chawo cham'mbuyomu komanso chapano.
Kumbukirani kuti mudzakambirana momwe mukumvera komanso manambala.
Mwachitsanzo, Jason adauza Shana, "Ndidamva chisoni nditamva za akaunti yanu yachinsinsi." Kuti mupange kukhulupirirana, muyenera kufotokoza zambiri za ngongole zanu zakale komanso zam'mbuyomu, komanso momwe mumagwiritsira ntchito ndalama.
Pangani kudzipereka kuti musinthe
Ngati ndinu amene mukuyambitsa kusakhulupirika kwachuma, muyenera kulonjeza kuti musiye kuchita zomwe zili zovuta ndikupatsirani mnzanu chitsimikizo kuti mwatsimikiza kuti musintha. Mungafunike kuchita izi powonetsa banki ndi / kapena ma kirediti kadi. Ndikofunikira kuti mudzipereke nokha kuchita chilichonse chofunikira kuti mukhazikitsenso kukhulupirirana ndi mnzanu ndikuchotsani ngongole, kubisalira, komanso / kapena kugwiritsa ntchito ndalama zomwe zimabweretsa mavuto azachuma.
Maanja nthawi zambiri amanyalanyaza zovuta zaukwati ndipo amangoyerekeza kuti chikondi chidzagonjetsa onse ndikupewa kukambirana za zachuma chifukwa zimayambitsa mikangano. Zovuta muukwati monga kugula nyumba yatsopano, kuyamba ntchito yatsopano, kapena kuwonjezera mwana m'modzi kapena angapo kubanjali zimatha kubweretsa nkhawa za ndalama.
Ngati maanja sanagwiritse ntchito nkhani zachikhulupiriro koyambirira kwaukwati wawo, atha kukhala ndi vuto lofotokozera za zachuma.
Ganizirani zokambirana monga banja kuti muthandizane komanso kusayankhapo chipani ngati muli ndi mafupa ambiri m'chipinda chanu ndipo inu kapena mnzanu mukuvutika kukhala omasuka pankhani zachuma.
Ndi nthawi komanso kuleza mtima, muzitha kuzindikira zomwe mukuopa komanso nkhawa za ndalama ndi mnzanu. Kumbukirani kuti palibe njira "yolondola" kapena "yolakwika" yothanirana ndi chuma ndipo ndibwino kuti muziyang'ana kwambiri pakumvetsera ndikupatseni mnzanu mwayi wokayikira. Kumverera sikuli "kwabwino" kapena "koipa," ndi malingaliro enieni omwe amafunikira kuzindikira, kusinthidwa, ndikugawana moyenera kuti athe kukhala ndi malingaliro oti "tili mgulu limodzi" ndikupeza chikondi chokhalitsa.