Zamkati
- 1. Kulankhulana
- 2. Pewani kusunga zinsinsi
- 3. Landirani ngati mwalakwitsa
- 4. Mvetsetsani momwe ndalama zimaganizirana
- 5. Khazikitsani malire ndi malamulo
Ngakhale maubwenzi olimba kwambiri amatha kusokonekera ndikupita kuchiwonongeko chifukwa cha mavuto azachuma. Ndizowona kuti ndalama zimagwira gawo lalikulu pokhudzidwa ndi chibwenzi. Amuna amasangalala ndi kudzidalira komwe kumabwera chifukwa chokhazikika pachuma pomwe azimayi amawona ndalama ngati chizindikiro chachitetezo ndi kukhazikika. Mavuto azachuma m'banja ndi chimodzi mwazinthu zomwe zimayambitsa kusamvana pakati pa anthu okwatirana ndipo malinga ndi kafukufuku, ndichinthu chachitatu chofunikira kwambiri chotsogolera kusudzulana. Zatsimikiziridwa ndi kafukufuku kuti mabanja 7 mwa 10 aliwonse amakumana ndi mavuto m'banja lawo chifukwa chachuma. Zomwe zatchulidwa pansipa ndi njira zisanu zofunika kwambiri kuti mupewe mavuto azachuma ndikuyendetsa banja lanu ku chisangalalo ndi chipambano.
1. Kulankhulana
Kuyankhulana ndiye chinsinsi cha chilichonse. Muyenera kuyankhula ndi mnzanu za chilichonse chomwe chikukusowetsani mtendere mopanda mantha. Sali owerenga malingaliro ndipo sangadziwe mpaka mutalankhula. Zikuwoneka kuti maanja ambiri samakambirana za zachuma konse ndipo samapewa mutuwo, makamaka koyambirira kwaubwenzi wawo. Komabe, ndikofunikira kuti maanja akhale pansi ndi kukambirana zonse zomwe zingachitike ngati wina wa inu ataya ntchito, akaunti yowerengera ndalama mopitirira muyeso, ndi zina zambiri.
Ngati wina mwa inu alinso ndi nkhawa ndi momwe mnzake amagwiritsira ntchito ndalama, momwe amagwiritsira ntchito ndalama zawo ndikupangira ndalama, ndikofunikira kuti muwayankhule nthawi isanathe. Ngakhale sikuti aliyense amakhala omasuka kukambirana za ndalama nthawi yomweyo, muyenera kulankhulana kuti mupewe mavuto azachuma omwe angayambike m'banja lanu.
2. Pewani kusunga zinsinsi
Kusunga zinsinsi kuchokera kwa mnzanu siabwino konse. Pokhala omangika muukwati, nonse muyenera kudalirana mokwanira kugawana chilichonse wina ndi mnzake, ngakhale china chake ndichabwino kapena choipa. Maanja omwe ali pabanja nthawi zambiri amakhala ndi ndalama limodzi komanso masomphenya omwe amawagwiritsa ntchito populumutsa.
Ngati mwangogulitsa pamalonda kapena kuyesa kupita ku akaunti yosunga kuti mulipire ngongoleyo chifukwa chachuma choyipa, muyenera kukhala omasuka kuuza ena anu za izi m'malo mongobisa. Kugawana ndi mnzanu ndikupempha upangiri kungangokhala kothandiza m'malo mwake kumadzetsa mavuto azachuma m'banja lanu.
3. Landirani ngati mwalakwitsa
Pali mwayi kuti mwina ndi inu omwe muli ndi zizolowezi zolakwika zachuma, mwina ndi inu amene mumapita kukagula zinthu nthawi ndi nthawi kapena ndi inu omwe simukukhazikika pazinthu zotsika mtengo, zotsika mtengo. Ngati ndi inu, muyenera kumvetsetsa nkhawa za mnzanu akamakufotokozerani. Muyenera kuvomereza kuti inu ndi amene muli ndi vuto ndipo muyenera kusintha zina ndi zina kuti mupewe mavuto aliwonse azachuma m'banja lanu.
Banja losangalala limafunikira kuthandizana ndikugwirira ntchito limodzi kuthetsa mavuto aliwonse omwe angakhalepo kudzera munjira yanu.
4. Mvetsetsani momwe ndalama zimaganizirana
Ndikofunikira kwambiri kwa inu zomwe zimaganizirana pankhani ya ndalama. Muyenera kukhala ndi lingaliro la momwe mnzanu amagwirira ntchito ndi ndalama komanso momwe analeredwera mozungulira ndalama? Kodi makolo awo anali owononga ndalama zambiri kapena adakumana ndi mavuto azachuma pomwe adakula? Muyenera kukhala ndi chidziwitso chomwe mantha akulu omwe amakhala nawo okhudzana ndi ndalama.
Mayankho pazonsezi angakuuzeni zambiri za momwe wokondedwa wanu amagwiritsira ntchito ndalama komanso momwe banja lanu lidzayendere. Kuphatikiza apo, nthawi zambiri, zokangana zambiri pakati pa okwatirana sizokhudza ndalama konse. M'malo mwake, ndiko kusamvana kwakanthawi. Kunyengerera, komanso kufunika kodziwa malingaliro a mnzanu ndikofunikira.
5. Khazikitsani malire ndi malamulo
Kusankha malamulo ena ogwiritsira ntchito ndalama kumatha kukhala othandiza pakapita nthawi. Mutha kukhala ndi malire ndikusankha kuchuluka kwakomwe aliyense wa inu angagwiritse ntchito osadziwitsana za zomwe mwagula, koma mukangodutsa malire, muyenera kufunsa mnzake. Kuphatikiza apo, bajeti yakunyumba itha kukhala njira yothandiza kwambiri yosamalira ndalama zanu zonse.
Muthanso kugwiritsa ntchito mapulogalamu osiyanasiyana kuti muzisunga ndalama zanu zonse, ndikupangitsa kuti ntchitoyi ikhale yosavuta. Imeneyi ndi njira yabwino kwambiri yopewera mavuto azachuma m'banja lanu.
Pomaliza:
Tonse timakumana ndi mavuto azachuma nthawi ina m'moyo wathu, koma kwa ife momwe timathana nawo. Muyenera kukhala omasuka komanso owona mtima kwa anzanu pamavuto onse m'malo mowabisa. Gwirizanani, yesetsani kumvetsetsana ndikugwiritsa ntchito mfundo zomwe tatchulazi kuti mavuto azachuma asamayende bwino m'banja lanu.