Zamkati
Kwa anthu ambiri, zovuta zachuma zokwatirana ndizokhudza nkhani yomaliza yomwe angaganizire pomanga mfundozo.
Mukakhala pachibwenzi, ndizokayikitsa kuti "mudzawerengera mtengo" waukwati womwe ukubwerawo. Kodi tidzatha kudzisamalira tokha? Nanga bwanji za inshuwaransi, zolipirira zamankhwala, komanso zolipira nyumba yayikulu?
Ngakhale mafunso awa ndi ofunikira, nthawi zambiri sawalola kuyendetsa zokambirana zonse. Koma tiyenera. Tikuyenera.
Pulogalamu ya Zabwino zachuma komanso zoyipa zokwatirana mtsogolo mmoyo zingakhale zofunikira kwambiri. Ngakhale kuti izi sizabwino kapena zopanda phindu zokwatirana kapena kukwatiwa kapena kukhala "zotsimikizika" kapena "zopambana," ziyenera kupimidwa mozama ndikuyeza.
Timasanthula zina mwazabwino ndi zoyipa zakukwatira pambuyo pake m'moyo wotsatira. Pamene mukuwerenga mndandandawu, kambiranani ndi mnzanu.
Funsanani wina ndi mnzake, "Kodi mavuto athu azachuma atilepheretsa kapena kukwatira maukwati athu amtsogolo?" Komanso, "Kodi tiyenera kufunsa upangiri wa munthu wina yemwe wachotsedwa muzochitika zathu komanso zokumana nazo pabanja?"
Ubwino
- "Chofunika kwambiri pazachuma"
Kwa mabanja ambiri okalamba, mwayi wodziwika bwino wokwatirana mtsogolo ndi ndalama zophatikizana.
Chuma chophatikizika chimakhala chachikulu kuposa momwe munthu angaganizire kumayambiriro kwa moyo.
Mabanja okalamba nthawi zambiri amapindula ndi "chuma" chathanzi. Chuma chambiri chimatanthawuza kusinthasintha kwamayendedwe, kubzala ndalama, ndi zina zowonongedwa.
Nyumba zingapo, malo okhala, ndi zina zotero zimalimbikitsanso ndalama. Chotaya, sichoncho?
- Khoka lolimba lachitetezo munthawi zowonda
Mabanja achikulire amakonda kukhala ndi chuma chambiri chomwe angathe. Kuchokera pamaofesi azamasheya mpaka kugulitsa malo, nthawi zambiri amapindula ndi ndalama zambiri zomwe zimatha kupereka chitetezo champhamvu munthawi zovuta.
Zonsezi, pansi pazoyenera, zitha kuthetsedwa ndikusamutsidwa.
Ndi mwayi wokwatiwa mtsogolo m'moyo, munthu akhoza kukwatiwa ndi mnzake, podziwa kuti ndalama zomwe timapeza zitha kumukhazikitsa bata tikamwalira mwadzidzidzi.
- Mnzanu pakufunsira kwachuma
Anthu omwe ali ndi nyengo zambiri amakhala ndi ndalama zomwe amawonongera ndalama zawo. Pogwiritsa ntchito kayendetsedwe kazachuma, amadziwa kugwiritsa ntchito ndalama zawo motsatira mfundo.
Njira yolangizidwa yoyendetsera ndalama itha kutanthauza Kukhazikika kwachuma pabanja. Kugawana nzeru ndi njira zabwino kwambiri ndi mnzanu kungakhale kopambana.
Kukhala ndi mnzanu woti mukambirane naye pa bevy yamavuto azachuma kungathenso kukhala chinthu chabwino kwambiri.
- Onse awiri ndi odziyimira pawokha pazachuma
Okalamba nawonso amalowa muukwati ali ndi chidziwitso chobweza "ndalama zawo". Podziwa bwino mtengo wosamalira banja, mwina sangadalire ndalama za anzawo akalowa m'banja.
Izi zikutanthauza kuti kudziyimira pawokha pachuma kutha kuthandiza banja ngati angayambe banja lawo limodzi. Njira yakale "yake, yanga, yanga" kumaakaunti aku banki ndi zinthu zina zimapatsa ufulu wodziyimira pawokha komanso zimapanga kulumikizana kwabwino.
Wotsatsa
- Kukayikira kwachuma
Khulupirirani kapena ayi, kukayikira zachuma kumatha kulowa mu psyche mwa anthu omwe akupanga ukwati wachichepere. Tikamakalamba, timakonda kuteteza zofuna zathu komanso katundu wathu.
Pakakhala kuti sitikuwulura za omwe titha kukhala nawo m'banja, tikhoza kuyamba kukayikira kuti zomwe tikufuna kuchita zikulepheretsa ndalama kuchokera kwa ife.
Ngati wokondedwa wathu akupitilizabe kusangalatsa moyo wake ndipo tikupitirizabe kulimbana, kodi tikufuna kukhala nawo mgulu "wosawoneka bwino"?
- Zowonjezera ndalama zochiritsira
Choyipa china chokwatirana mtsogolo ndikuti ndalama zamankhwala zimakwera tikamakalamba. Ngakhale kuti nthawi zambiri timatha kusamalira zaka makumi angapo zoyambirira tili ndi ndalama zochepa, pambuyo pake tikhoza kudzazidwa ndiulendo wopita kuchipatala, kuchipatala cha mano, kuchipatala, ndi zina zotero.
Tikakwatirana, timapereka ndalamazi kwa ena athu ofunika. Ngati tikukumana ndi matenda owopsa, kapena kufa, kufa, timapatsa ndalama zotsalazo kwa otsalawo. Kodi uwu ndi mtundu wa cholowa chomwe tikufuna kupatsa omwe timawakonda kwambiri?
- Zothandizira zothandizana naye zitha kupatutsidwa kupita kwa omwe akuwadalira
Odalira achikulire nthawi zambiri amapempha thandizo lazachuma kuchokera kwa makolo awo pomwe sitima zandalama zikulembedwa. Tikakwatirana ndi wachikulire wokhala ndi ana akuluakulu, ana ake amakhala athu nawonso.
Ngati sitigwirizana ndi momwe ndalama zimakhudzira okondedwa athu ndi ana awo akuluakulu; tikukhazikitsa maphwando onse pamikangano yayikulu. Kodi ndizofunika? Zili ndi inu.
- Kuchotsa chuma cha mnzanu
Pamapeto pake, ambiri a ife tidzafunika chithandizo chamankhwala choposa momwe tingathere. Ngati sitingathe kudzisamalira tokha, athandizidwa, nyumba zokhalamo / okalamba titha kukhala m'makhadi athu.
Mphamvu zachuma pamlingowu ndizabwino kwambiri, zomwe zimapangitsa kuti chuma chanu chisathe.Uku ndikofunikira kwa achikulire omwe akuganiza zokwatirana.
Maganizo omaliza
Ponseponse, pali zabwino zambiri zachuma komanso zoyipa zakukwatiwa kuti tizimangirira zonyamula katundu kwa anzathu.
Ngakhale zitha kukhala zowopsa "kutsegula mabuku" pazachuma chathu, ndikofunikira kupereka zambiri momwe tingathere muzochitika zosangalatsa ndi zovuta za m'banja.
Momwemonso, wathu abwenzi akuyenera kukhala ofunitsitsa kuwulula zachuma chawo nawonso. Cholinga ndikulimbikitsa kukambirana moyenera za momwe mabanja awiriwa azigwirira ntchito limodzi.
Kumbali ina, kuwulula kwathu kumatha kuwonetsa kuti mgwirizano wathupi ndi wamaganizidwe ndiwotheka, koma mgwirizano wazachuma sichotheka.
Ngati anzawo agawana nkhani zawo zachuma mosabisa, atha kuwona kuti kasamalidwe kawo ndi kosagwirizana kwenikweni.
Zoyenera kuchita? Ngati simukudziwa za zabwino ndi zoyipa zaukwati wochedwa, funsani thandizo kwa mlangizi wodalirika ndikuwona ngati mgwirizanowu ungakhale mgwirizano wokhoza tsoka lomwe lingachitike.
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