Zamkati
- Kodi anthu okwatirana azigwiritsa ntchito bwanji ndalama?
- Dziwani komwe mukuchokera
- Sinthani kusintha kwanu
- Kambiranani maakaunti akubanki
- Onetsetsani kuti muli ndi thumba ladzidzidzi
- Konzani njira yanu limodzi
Ndalama zitha kuyambitsa mavuto ambiri m'banja, koma mavuto azachuma sayenera kufanana ngati mutagawanirana ndalama m'banja.
Ukwati ndi chuma zimayendera limodzi. Monga momwe mumagawana bedi lanu ndi moyo wanu ndi mnzanu, kugawana ndalama pachibwenzi ndizosapeweka.
Ngati mwalumikizidwa ndi 'momwe mungagwiritsire ntchito ndalama m'banja?', Palibe yankho lomveka bwino lavutoli. Vuto lirilonse la okwatirana ndilopadera ndipo okwatirana akuyenera kugwirira ntchito limodzi kuti azisamalira ndalama atakwatirana.
Mabanja ena amakakamira kutsatira njira yawo yosamalira ndalama, zomwe akhala akuchita kwa zaka zambiri. Koma, njirayi ikhoza kulumikizana ndi okwatirana kapena mwina, pomwe akugawana ndalama m'banja.
Pali anthu omwe angasankhe kutenga udindo wonse pamapewa awo. Nthawi yomweyo, pali ena omwe amakonda kukankhira kwa okwatirana m'malo mwake.
Kodi anthu okwatirana azigwiritsa ntchito bwanji ndalama?
Pali zitsanzo za maanja angapo omwe amalephera kuyendetsa bwino ndalama mbanja. Okwatirana amatha kunama, kubera, kuwononga ndalama mopitirira muyeso, kubisa zolipazo ndikuchita zonse zotheka kuti kukhulupirirana muubwenzi kuzikumbukiridwa kale.
Ndiye funso latsalabe, momwe mungayendetsere ndalama monga banja ndikupewa zovuta zamtunduwu zomwe zikuchitika mchibwenzi chanu?
Chosangalatsa ndichakuti simuyenera kuchita kudzazidwa ndi lingaliro loti, 'momwe mungagwiritsire ntchito ndalama ngati banja', popeza pali yankho logwira ntchito pogawana ndalama m'banja.
Zimangofunika kuchita pang'ono, kulumikizana, kumasuka ndi kudalira, kuti mukhale ndi chizolowezi chachuma. Ngati onse awiri ali okonzeka kuthetsa vutoli, nonse mungasangalale kusamalira ndalama limodzi m'banja lanu.
Taganizirani malangizo ndi malangizo ochepa awa kuti mumvetsetse, momwe okwatirana amagwiritsira ntchito ndalama ndi momwe angayendetsere ndalama m'banja. Malangizo ofunikira komanso othandizawa angakuthandizeni kuyendetsa bwino njira zopezera ndalama m'banja lanu:
Dziwani komwe mukuchokera
Momwe mudakulira komanso momwe mudaphunzirira momwe mungagwiritsire ntchito ndalama mukadali achichepere zimakhudza kwambiri zochita zanu, zoyembekezera zanu komanso chuma chanu m'banja.
Mwinamwake banja lanu linali losauka ndipo simunadziwe ngati padzakhala chakudya chotsatira, pomwe banja la mnzanu linali lolemera komanso lokwanira.
Ndikofunika kwambiri kuti nonse mudziwe ndi kukambirana za moyo wa wina ndi mnzake, chifukwa izi zidzakuthandizani kuzindikira momwe mnzanu amaonera ndalama.
Ndiye pamene kusamvana kubwera, mudzakhala ndikumvetsetsa komwe munthu winayo akuchokera. Ndipamene mungakhale ndi cholinga chogwiritsa ntchito bwino ndalama m'banja.
Sinthani kusintha kwanu
Kukwatirana kumafunikira kusintha kwamalingaliro m'mbali zonse za moyo wanu, kuphatikizapo zachuma. Simungathe kukhala ndi malingaliro anga kapena malingaliro apamsewu kuti musamalire ndalama mutakwatirana.
Tsopano chisankho chilichonse chomwe mungapange chimakhudza mnzanu mwanjira ina. Muyenera kuzolowera kugawana ndikukambirana zonse limodzi, kugwiritsa ntchito njira yamagulu m'malo modalira nokha.
Mitundu yosiyanasiyana ya umunthu idzakhala ndi njira zosiyanasiyana ndipo ndipamene muyenera kudziwa zomwe zimagwirira ntchito nonse kuti mugawane ndalama m'banja.
Kambiranani maakaunti akubanki
Pali zabwino ndi zoyipa zonse kukwatiwa ndi ndalama zosiyana kapena kukhala ndi akaunti yakubanki yolumikizana.
Ngati mungafunse, ngati okwatirana ayenera kukhala ndi akaunti yakubanki yolumikizana, mutha kutero, ngati onse awiri ali omasuka ndi lingaliro logawana ndalama muukwati.
Simungochepetsera ndalama zanu pophatikiza maakaunti anu, komanso kuthandizanso kukhulupilira banja lanu. Komanso, zimakhala zothandiza kwambiri pakakhala kusiyana pakati pa ndalama, wina mwa iwo kukhala mayi wokhala pakhomo kapena abambo.
Atanena izi, ndizowonadi kuti nonse mungayamikire ufulu ndikusankha maakaunti akubanki osiyana m'banja. Poganizira kuchuluka kwakusudzulana, kulekanitsa ndalama m'banja si lingaliro loipa ngati mungayendetsedwe mochenjera ndi onse awiri.
Chifukwa chake, pamene mukugawana zachuma muukwati, onetsetsani kuti mukukambirana ndi mnzanu chilichonse chomwe mungasankhe komanso chomwe mumakhala nacho.
Onetsetsani kuti muli ndi thumba ladzidzidzi
Ganizirani kukhala ndi thumba ladzidzidzi monga chinthu chofunikira kwambiri ngati mulibe kale.
Thumba ladzidzidzi ndi ndalama zomwe muyenera kuyika pambali ngati chinthu chamtengo wapatali chichitika mosayembekezereka. Angakhale matenda anu mwadzidzidzi kapena matenda a m'banja, kuchotsedwa ntchito, masoka achilengedwe, kapena kukonza nyumba yaikulu.
Konzekerani kupanga thumba lazadzidzidzi posachedwa, chifukwa likuthandizani kukhazikika kwachuma komanso kuteteza ubale wanu, ngati ntchito itatha kapena nthawi ina iliyonse yomwe simunayitanidwe.
Chifukwa chake, mukamaika patsogolo kugawana zachuma muukwati, onetsetsani kuti thumba ladzidzidzi ili lotetezeka komanso nonsenu.
Konzani njira yanu limodzi
Tsopano popeza mwakwatirana muyenera kukhala pansi limodzi kukonzekera dongosolo lanu lachuma. Mwanjira ina, kukonza bajeti ndi njira yabwino kwambiri yosamalira ndalama m'banja.
Ngati muli ndi ngongole, choyambirira chikakhala kubweza ngongolezo mwachangu momwe angathere. Mukapanga bajeti pazomwe mumagwiritsa ntchito mwezi uliwonse, sankhani kuchuluka kwa ndalama zomwe mungasunge kapena kusungitsa ndalama, ndipo musaiwale zopereka pazifukwa zoyenera.
Mabanja ena amavomereza kuti mwamuna kapena mkazi athetse mbali zambiri zachuma, komabe, onse awiri akuyenera kukhala "ozolowera" ndikudziwa momwe ndalama zawo zikugwiritsidwira ntchito.
Zokhudzana- Kodi ndalama zikusokonekera mu banja lanu?
Pankhani zachuma, kasamalidwe ka ndalama kwa maanja, ndi upangiri waukwati, ndi njira yophunzirira moyo wonse.
Zikafika pogawana zachuma muukwati ndi bajeti ya okwatirana, khalani omasuka kugawana ndikuphunzira kuchokera kwa ena komanso kwa ena ndipo mutsimikiza kuti muchita bwino.