Zamkati
- 1. Zolinga zanu monga banja ndi ziti?
- 2. Mumakhala osabisa bwanji pankhani yolankhula za ndalama?
- 3. Malamulo ndi ati?
- 4. Kodi ndalama zogawana zidzagawidwa bwanji?
- 5. Kodi mumakhala ndimabanki ofanana ndi anu?
Mwatenga gawo lalikulu lakuyenda pamsewu ndikungobwerera kuchokera kokasangalala kokasangalala. Pambuyo pa chisangalalo cha pambuyo paukwati chokongoletsa malo anu ndi mphatso zolembetsa (ndikumaliza zolemba zanu zonse zikomo!), Muyenera kuyamba kuganizira mbali imodzi yothandiza yaukwati - ndalama zanu. Mwinamwake mukufuna kusunga ndalama kuti mupite patsogolo pa lendi ndi nyumba yanu yoyamba, kapena mungaganize zoyamba banja, ndikuwakonzekeretsa kungawathandize kuti akafike kumeneko. Funso limodzi lovuta lomwe banjali liyenera kufunsa ndiloti atsegule akaunti yowunikira limodzi kapena kuti akhale osiyana.
Nawa malingaliro asanu pansipa omwe angaganizidwe posankha ngati kusunthika koyenera.
1. Zolinga zanu monga banja ndi ziti?
Gawo lalikulu lokwatirana ndi momwe mumapangira ndalama zanu ngati gulu. Kaya mukusunga ndalama kuti mugule nyumba, kulera banja, kapena kugwira ntchito zochepa kuti mugwire ntchito yomwe mumakonda, kutenga nthawi kuti mukhale pansi ndikukambirana za moyo womwe mumaganizirana ndikofunikira pakuyerekeza ndalama zanu ndi malingaliro anu ogawana ndi zolinga zazitali.
Ngakhale izi sizigwira ntchito kwa aliyense, kukhala ndi munthu m'modzi muubwenzi kukhala ndiudindo pazinthu zandalama monga kuwonetsetsa kuti ngongole zasamaliridwa, maakaunti opuma pantchito amalipiridwa, ndipo zolinga zandalama zikuyenda limodzi, zitha kuthandiza. Onetsetsani kuti udindo wa munthu amene wasankhidwa kuti aziyang'anira maakaunti anu wafotokozedwa momveka bwino.
2. Mumakhala osabisa bwanji pankhani yolankhula za ndalama?
Ngati zikukuvutani kukambirana za ndalama ndi mnzanu, simuli nokha. Kuyankhula za zachuma ndi nkhani yovuta kwa ambiri. Roma sinamangidwe patsiku limodzi, choncho yambani pang'ono pang'onopang'ono ndikupangitsani kudaliraku. Ndipamene mungakhazikitse chidaliro chanu kuti mumatha kukambirana moona mtima za ndalama.
3. Malamulo ndi ati?
Mukatsegula akaunti yolumikizana, kukhazikitsa malamulo oyenera kuwonetsetsa kuti inu ndi mnzanu muli patsamba limodzi pankhani yogwiritsa ntchito ndalama. Malamulo ena atha kukhala kuti azifunsira kwa munthu wina kuti agule zinthu zapadera zoposa X, kapena kuti munthu aliyense ali ndi udindo wolipira ngongole zawo.
Ngati wina m'banjamo ndi amene amadyetsa banja pomwe mnzakeyo ali kalikiliki kusukulu kapena amakonda kusamalira ana, fufuzani ngati amene akupeza ndalama zambiri ali ndi mwayi wowonjezerapo ndalama, kapena ngati ndalama zomwe zingatayidwe zigawidwenso chimodzimodzi. Kudziwiratu zinthu pasadakhale kumateteza mikangano pamzere.
4. Kodi ndalama zogawana zidzagawidwa bwanji?
Ngati inu ndi mnzanu mulibe malipiro ofanana, kodi ndalama zomwe mudagawana zigawika pakati? Ngati sichoncho, kodi bwenzi lawo lili ndi ndalama zingati? Njira imodzi ndiyoti aliyense azipereka gawo limodzi ku ndalama zomwe amagawana zomwe zikufanana ndi kuchuluka kwa ndalama zomwe amabweretsa. Mwachitsanzo, ngati mutapereka 40% pazopeza zonse monga banja, mudzakhala ndi udindo wolipira 40% pazomwe mumagwiritsa ntchito limodzi, pomwe mnzanu amapereka 60% yotsalayo.
Zomwe mungachite kuti muyese madzi ndikutsegula kaye akaunti yolumikizana ndikusunga maakaunti anu nthawi imodzi. Akaunti yolumikizirayo itha kugwiritsidwa ntchito ngati dziwe lolipirira ndalama zogona monga nyumba, zofunikira, ndi chakudya, kapena itha kugwiritsidwa ntchito kupezera cholinga chomwe mwagawana, monga tchuthi cholota kapena kulipirira nyumba.
5. Kodi mumakhala ndimabanki ofanana ndi anu?
Ngakhale kukhala ndi akaunti yakubanki yogawidwa kumathandizira ndalama zanu ndikupangitsa kuti zikhale zosavuta kutsatira, onetsetsani kuti ndizoyenera pamayendedwe anu amabanki onse. Mwachitsanzo, m'modzi wa inu angasankhe chithandizo chabizinesi yapaintaneti, pomwe winayo amafunika kupeza nthambi, kotero kuphatikiza ndalama zanu sikungakhale kwanzeru chifukwa ndalama zanu zimachokera m'malo osiyanasiyana.
Ngati kusungitsa ndalama kubanki ndikofunika kwambiri ndipo mnzanuyo ndi "imani kuti muyankhule ndi wina" munthu wamtunduwu, ndiye kuti muzikhala ndi nthawi yosankha zosankha zanu kuti muwone zomwe zimasangalatsa mabizinesi anu. Kusiyana kwina kungakhale kuti mnzake amakonda kugwiritsa ntchito ndalama pomwe mnzake amakonda kulipira manambala. Ngati muli ndi mafunso, lankhulani ndi nthambi yogwirizana ndi ngongole yakomweko kuti mudziwe zambiri pazosankha, ntchito, ndi zida zomwe angakupatseni. Izi zitha kumveketsa bwino ndikuthandizira pakupanga chisankho chabwino kwa inu ndi mnzanu.
Samantha Paxson
Samantha Paxson ndi EVP of Markets & Strategy ku CO-OP Financial Services, kampani yopanga ukadaulo wa zachuma kwa mabungwe 3,500 a ngongole ndi mamembala awo 60 miliyoni.