Zamkati
- Gawo 1: Pewani chithandizo chamankhwala kwathunthu
- Gawo 2: Malizitsani ndalama zomwe mumalipira kale
- Gawo 3: Chepetsani kuchuluka kwa ndalama zomwe mumalipira
Zachidziwikire, njira yosavuta yopewera kutenga munthu wina wamkulu ngati wodalirika wanu wodalirika kwa moyo si kukwatira. Komabe, kwa iwo omwe akufuna kulowa mgulu lalamulo laukwati, kuthekera kwa alimony nthawi zonse kumangokhala kumbuyo.
M'boma lililonse, anthu awiri akakwatirana, alowa mu ubale wovomerezeka. Ubwenziwu umapatsa aliyense wokhala ndi udindo wothandizana wina ndi mnzake muukwati. Itha kubweretsanso udindo wopitiliza kuthandizira ndalama ukwati ukatha.
Kaya ndalama zamalipiro zimalipidwa ndipo, kuchuluka kwake, kumayendetsedwa ndi malamulo aboma. Zotsatira zake, tikambirana zina mwazinthu zomwe zingakupangitseni kuti mupeze ndalama zoyang'anira.
Nkhaniyi ikufotokoza njira yomwe mungatenge kuti mulandire zolowa, kuyambira ndi kuzipewa zonse. Ngati izi sizotheka, mungaganizire malingaliro ena omwe afotokozedwa pano, omwe akukhudzana ndi momwe mungaleke kulipira ndalama kapena kuchepetsa kuchuluka kwake.
Gawo 1: Pewani chithandizo chamankhwala kwathunthu
Njira yosavuta yopewa kulipira ngongole sikuti ndikwatire. Popanda banja, palibe ubale womwe ungakhale ndi udindo wothandizana. Komabe, m'maiko ambiri, maanja nthawi zambiri amatha kupewa kupereka ndalama povomereza kuti chisamaliro sichilipidwa. Izi zitha kuchitika kudzera mu mgwirizano usanakwatirane, mgwirizano wapambuyo paukwati, kapena mgwirizano wokhazikika.
Mpata woyamba kutuluka pakulipira ndalama zam'manja ndi mgwirizano asanakwatirane, womwe ndi mgwirizano wopangidwa asanakwatirane momwe okwatiranawo amasankhira momwe nkhani ngati ndalama zimasamalidwira akadzasudzulana pambuyo pake. Mapangano asanakwatirane amangovomerezeka pokhapokha ngati onse awiri afotokozerana za zomwe ali nazo komanso ndalama zomwe amapeza. Dziko lililonse limayikiranso zofunikira pamgwirizanowu usanachitike. Mwachitsanzo, zofunikira wamba zimaphatikizapo kuti mapangano asanakwatirane azilembedwa ndipo ayenera kusaina. Kuphatikiza apo, banjali liyenera kuti linali ndi mwayi wofunsana ndi loya wodziyimira payekha asanapange mgwirizano. Komanso, m'maiko ambiri, mgwirizano uyenera kuti unali wachilungamo panthawi yomwe anakambirana. Zachidziwikire, iyi ndi nkhani yomwe woweruza amayenera kusankha nthawi zambiri pakusudzulana.
Ngati mwakwatirana kale, mutha kukhalabe ndi mwayi wopewa kusamvana. Mayiko ambiri amazindikiranso mapangano apambuyo paukwati, omwe amakhala ofanana kwambiri ndi mapangano asanakwatirane. Kusiyanitsa kwakukulu ndikuti amaphedwa ukwati utachitika kale.
Ndipo pamapeto pake, ngati chisudzulo chayandikira, mutha kukambirana kuti musapereke ndalama mu mgwirizano ndi mnzanu. Mwachitsanzo, mutha kusankha kupatsa mnzanu malo ochulukirapo, monga nyumba, magalimoto, ndi ndalama kubanki, kuti musamalipire ndalama zanu. Muthanso kuyesa kukambirana za ndalama zochepa, zomwe mumalipira mnzanuyo osabweza. Mapangano akakhazikitsidwe akuyenera kuvomerezedwa ndi khothi asanayambe kugwira ntchito.
Kaya musankha mgwirizano wapabanja, mgwirizano wapambuyo pa ukwati, kapena mgwirizano wokhazikika, ndikofunikira kuti mufunsane ndi loya wazamalamulo wabanja mdera lanu. Maloyawa ali ndi chidziwitso chambiri pamalamulo osudzulana ndipo amatha kukuthandizani kuti mukambirane mgwirizano womwe ungagwire bwino ntchito pokwaniritsa zolinga zanu.
Gawo 2: Malizitsani ndalama zomwe mumalipira kale
Ngati mukulipira kale ndalama zam'manja, zosankha zanu ndizochepa. Pali njira ziwiri zomwe mungatulutsire kulipira ndalama zomwe mwalamulidwa kuti mulipire: (1) momwe mikhothi ilamulire kapena (2) kukumana pamalamulo aboma.
Lamulo la khothi lomwe likufunsani kuti mulipire ndalama zanu liyenera kufotokoza zomwe zimachititsa kuti chisamaliro chithe. Mwachitsanzo, mungafunike kulipira ndalama kwa kanthawi kokha, zomwe zimachitika ndikulandila kwakanthawi kochepa kapena kukonzanso. Zonsezi, mwachilengedwe, zimangokhala munthawi inayake. Pachifukwachi, nkofunika kuti mudziwe zomwe lamulo la khothi likunena zakomwe ndalama zimatha. Pankhani yolipira kwamuyaya, mwachitsanzo, imatha kutha pomwe mkazi yemwe akulandira chithandizo amwalira kapena kukwatiranso kapena pomwe mnzake wolipira ndalama wamwalira.
Ngati simungakwaniritse zomwe khothi lalamula, muyenera kufunsa loya ngati mungakwaniritse zomwe malamulo akufuna kuti athetse ndalama zamankhwala mdziko lanu. M'maboma ambiri, muyenera kuwonetsa kusintha kwakuthupi kapena kusintha kwakukulu pamikhalidwe. Zitsanzo za zinthu zomwe zingakwaniritse izi zimaphatikizapo kuchotsedwa ntchito kapena kudwala kapena kulumala. Chinthu chimodzi chofunikira kudziwa ndikuti simungathe kuchepetsa mwadala ndalama zomwe mumapeza kuti mupeze ndalama zolipirira. Ngati mukutero, khothi lili ndi mphamvu "yopezera" ndalama kwa inu. Izi zikutanthauza kuti mudzayenera kulipira ndalama molingana ndi kuchuluka komwe woweruza amayenera kupeza ngakhale simupeza ndalama zochuluka chotere. Zachidziwikire, izi zitha kubweretsa kusowa kwakukulu mu bajeti yanu ndipo muyenera kuzipewa zivute zitani. Mwinanso mutha kunyozedwa ndi khothi, zomwe zingapangitse kuti mukhale m'ndende, ndipo mutha kulipira.
Gawo 3: Chepetsani kuchuluka kwa ndalama zomwe mumalipira
Ngati simungathe kulipira ngongole zonse, mutha kuchepetsa ndalama zomwe mumalipira kwa mnzanu wakale. Mulingo walamulo pa izi nthawi zambiri umakhala kuti zinthu zasintha kwambiri kapena zakuthupi. Mwachitsanzo, mwina simungagwire ntchito maola ambiri chifukwa mumalandira chithandizo chamankhwala nthawi zonse. Kapenanso mwina mnzanu wakale wakale adakwezedwa pantchito yayikulu, pomwe mudatsitsidwa chifukwa palibe cholakwa chanu. M'mikhalidwe yonga iyi, woweruza atha kuwona kuti zinthu zasintha mokwanira kotero kuti simuyenera kulipira ndalama zochuluka.
Ngati mukuyang'ana kuti mupewe kulipirira ndalama zamankhwala, kubetcha kwanu bwino ndikulemba loya wodziwa zambiri m'boma lanu. Oyimira milanduwa amadziwa momwe angakhalire bwino kukhothi kuti akupezereni mpata wolipira pakakulipirani ndalama kapena kuchotsera ndalamazo.