Zamkati
Tonse tamva kuti chuma chimatha kukhala chifukwa chachikulu chomwe maanja amakangana kapena kusudzulana.
M'mabanja omwe muli ngongole zambiri kapena mavuto azachuma, maanja amafotokoza kukhutira pang'ono.
Ndalama zimatha kumverera ngati chinthu chophatikizira ndipo zitha kukhala zolemetsa mukamakhala kuti simukuyang'anira ndalama zanu. Pakakhala kusamvana pankhani zachuma, maanja omwe amenyera nkhondo ndi mavuto amabanja amakhala obwerezabwereza.
Kutenga anthu awiri osiyana ndikuwayembekezera kuti azigwiritsa ntchito ndalama zawo limodzi atangokwatirana ndichinsinsi cha zifukwa zabwino. Osati kuda nkhawa, ndalama ndi bajeti siziyenera kukhala zowopsa.
Ndiye, mungapewe bwanji mikangano ndi kusamvana m'banja pomwe nkhani zandalama zili paliponse?
Mukayika pamodzi maanja ndi ndalama, kapena kugawana ndalama muubwenzi, zimatha kubweretsa kusamvana kwakukulu.
M'munsimu muli malangizo ochepa omwe mungatsatire kuti muletse kumenyera nkhondo, kukhala ndi luso losunga ndalama za banja, kufikira chisangalalo chachuma muukwati wanu.
Ikani zonse patebulo
Kuyambitsa ukwati moona mtima nthawi zonse ndi njira yabwino kwambiri.
Malangizo a momwe mungapewere mikangano - Kambiranani momasuka nkhani zachuma ndi mnzanu.
Kusunga chuma mosabisa kumathandiza kwambiri kuthana ndi mavuto azachuma m'banja. Kukambirana za chuma m'banja kuyenera kukhala chofunikira kwambiri muubwenzi ngati mukufuna kupewa mikangano mbanja.
Malinga ndi a Forbes, kukhala pansi ndikukambirana moona mtima za ndalama zanu ndi mnzanu kungateteze banja lanu ku mikangano yomwe ili panjirayi.
Izi sizitanthauza kuti simudzakangana pankhani zandalama, mikangano pazachuma ili ngati njira yokomera banja lililonse; Simungalole ukwati wanu kukhala ndi zinsinsi zachuma.
Sikuti ndi nzeru kungolankhula za momwe muliri pachuma, komanso ndibwino kukambirana ndi mnzanu za momwe adaleredwera. Kuchita izi kumatha kusokoneza nthawi zambiri pomwe mikangano m'banja ndiyosapeweka.
Izi zitha kukupatsirani malingaliro amomwe akuwonera ndikuwunika ndalama.
Kudziwa momwe mnzanu amaonera ndalama kumatha kukutsogolerani popanga zisankho zokhudzana ndi ndalama m'banja mwanu.
Izi zitha kutanthauza kuti mumagwiritsa ntchito ndalama zanu limodzi kapena mwina munthu m'modzi amatenga zolipira ngongole ndikuwunika cheke. Palibe “njira yoyenera” yosamalirira chuma m'banja.
Kuyika zonse patebulo koyambirira ndikupeza dongosolo lomwe lingagwire nonsenu ndi malo abwino kuyamba!
Pangani bajeti
Momwe mungachitire ndi nkhani zandalama muubwenzi? Chotsani upangiri wa ndalama ndi maubale.
Kupanga bajeti ndi mnzanuyo zitha kukuthandizani nonse kuti mukhale pa tsamba limodzi ndikupangitsa aliyense wa inu kuyankha mlandu. Ndi njira yabwino yochepetsera mavuto aukwati ndi ndalama, ndikukangana mosalekeza za ndalama.
Kuti mupewe mikangano m'banja, yesetsani kupanga bajeti yoyenerera yomwe nonse mungakwanitse. Pali mapulogalamu a bajeti kunja uko omwe amatha kuwunika momwe mumagwiritsira ntchito ndikuwonetsani kumapeto kwa mwezi momwe mumachitira bwino.
Upangiri wofunikira pazachuma kwa mabanja ndikukhazikitsa malire; izi zikutanthauza kuti muli ndi ndalama zomwe simumadutsa osalankhula ndi mnzanu. Iyi ndi njira yotsimikizika yotsimikizira kuti inu ndi mnzanu mukukambirana zachuma.
Ngati mukugwirizana kuti musagwiritse ntchito ndalama zopitilira $ 20 osalankhulana koyamba, nonse awiri nthawi zonse mudzawona zomwe zikuchitika ndi ndalama zanu ndikuchepetsa mikangano yapaukwati.
Nkhaniyi ili ndi malingaliro ndi maupangiri ambiri pakupanga bajeti ndikusungitsa mkangano m'banja.
Onaninso:
Konzekerani zamtsogolo
Mutatha kulankhulana ndipo muli ndi bajeti yogwira ntchito, ndibwino kukonzekera zamtsogolo.
Pangani akaunti yosungira ndikusankha ndalama zomwe mukufuna kutaya mwezi uliwonse. Yambani kulipira ngongole iliyonse yomwe mungakhale nayo. Kutuluka ngongole ndi chimodzi mwazinthu zabwino kwambiri zomwe mungachite pachibwenzi chanu. Simudzakhala ndi zolemetsa paphewa panu ndipo mudzatha kusunga ndalama zambiri kapena kuthekera kopeza ndalama.
Mukawona kuti mukufunika kusunga ndalama zambiri kuti mukwaniritse cholinga chanu kapena kuti mutuluke m'ngongole nthawi zonse pamakhala mwayi wosunga kapena kupanga ndalama zoonjezera ngati mukukonzekera!
Mutha kulandiranso ntchito zazikulu kuchokera kumakampani ngati ACN kukuthandizani kuti muchepetse ngongole zanu mukadali okhoza kugula zosangalatsa. Zitha kuwoneka zosatheka, koma pomwe pali chifuniro, pali njira. Kukonzekera zamtsogolo kudzakuthandizani kuti inu ndi mnzanuyo muziyang'ana kwambiri zomwe mukufuna kukwaniritsa.
Ndalama zitha kukhala zowopsa kwa banja latsopanoli. Zokambirana paubwenzi pamavuto azachuma m'banja, kapena kukangana ndi wokondedwa wanu pazokhudza ndalama sizachilendo.
Osapitiliza kulakalaka kuti mwapanga ndalama zambiri, yambani kupanga ndalama zanu kukuthandizani.
Khalani pansi ndikulankhula zakomwe muli ndi anzanu.
Kuchokera pamenepo, pangani bajeti yomwe ingagwire nonsenu.Osataya mtima ngati bajeti yanu sigwira ntchito koyamba, zimatha kutenga miyezi kuti mupeze bajeti yogwira ntchito.
Mutatha kupeza bajeti, yang'anani mwayi wosunga.
Khalani ndi zolinga zomwe mukufuna kukwaniritsa kuti zikulimbikitseni nthawi zonse. Ngati mungapeze njira yogwiritsira ntchito malangizo osavutawa okhudza ndalama komanso maubale, mudzakhala ndi banja losangalala popanda kukangana m'banja lomwe likudyetsa banja lanu. ”