Zamkati
- 1. Kugawa mabilu
- 2. Kugula zochuluka
- 3. Mapindu azachuma
- 4. Kuchepetsa inshuwaransi
- 5. Mapindu akuntchito
Ukwati ndi gawo limodzi lokongola komanso lokhutiritsa lokhala muubwenzi wokhazikika, koma ukwati umabweranso ndi maubwino ena amukwati.
Kotero, ndi maubwino otani okwatirana?
Chimodzi mwamaubwino apabanja kwa maanja, akamanga mfundozo, ndikuti tsopano ali ndi ndalama zomwe amapeza, zomwe zimatsegula mwayi wazomwe angagule. Ubwino wotere waukwati uyenera kuganiziridwiratu pasadakhale kukonzekera banja losalala.
Muyenera kuwonetsetsa kuti mukugwiritsa ntchito bwino ndalama monga banja. Chimodzi mwamaubwino okwatirana omwe anthu ambiri amalephera kuzindikira ndichakuti zinthu zambiri zimakhala zotsika mtengo kwa inu mukakwatirana, ndipo ndikofunikira kuti mumvetsetse zomwe izi zikuwapindulira pakadali pano.
Chifukwa chake, onani zina mwa zabwino zaukwati ndi zabwino zake zingapo, ndipo yesani kuziwona ngati maubwino abanja ngati mukukonzekera kukwatira.
1. Kugawa mabilu
Chimodzi mwamaubwino ofunika kwambiri m'banja mukamayesetsa kusunga ndalama ndikuti mutha kugawa ngongole wina ndi mnzake. Pali zinthu zambiri zofunika kuzikumbukira apa, ndipo ndikofunikira kuwonetsetsa kuti mukuyang'ana pochita izi momwe mungathere.
Chifukwa chake maubwino azachuma okwatirana ndi omwewo nonse mungachite ngongole zapakhomo zomwe muyenera kulipira chifukwa mudzakhala nazo tsopano maakaunti aku banki.
China chomwe mukufunikira kuti mugwiritse ntchito bwino pakadali pano ndikuti ngongole zanyumba ndizotsika mtengo chifukwa muli ndi ndalama ziwiri zomwe mungagwiritse ntchito polipira izi tsopano. Ichi ndichinthu chomwe muyenera kuti muziyang'ana momwe zingathere, ndipo ndikofunikira kuti muwonetsetse kuti mwapeza ufuluwu momwe mungathere.
2. Kugula zochuluka
Mukamagula zinthu, nthawi zambiri mumatha kusunga ndalama zambiri pogula zinthu zochulukirapo, ndichifukwa chake ma golosale ali ofunikira kwambiri. Ngati mutha kupeza mamembala monga okwatirana, mudzatha kugula zochuluka pazofunikira pabanja, ndipo izi zitha kukupulumutsirani ndalama zambiri pakapita nthawi.
Chifukwa chake, muyenera kuyang'ana kuti mupeze imodzi mwazi. Muyenera kukhala odzilemba nokha kapena kukhala ndi bizinesi, kuti mukhale membala, koma mutha kuwonjezera alendo omwe azitha kugwiritsa ntchito khadi yanu. Onetsetsani kuti mukuyang'ana kuchita izi munjira yoyenera, ndipo ichi ndichinthu chomwe muyenera kutsimikiza kuti mukupindula nazo pakali pano.
3. Mapindu azachuma
Pali maubwino azachuma okwatirana mukamakwatirana. Pali malingaliro wamba kuti ukwati ndi ngongole yazachuma. Komabe, sizowona.
Mwachitsanzo, umodzi mwamaubwino m'banja ndikuti mutha kusankha maubwino azaumoyo operekedwa ndi pulaniyo kapena mupite ku mapulani a banja logwirizana ndi zosowa zanu. Ngongole zabwino komanso ngongole zimapindulanso m'banja. Komanso, pali maubwino amisonkho chifukwa chokwatiranso. Mabanjawo amakhala pansi pamunsi pamisonkho yotsika pomwe amafunsira msonkho wapachaka.
4. Kuchepetsa inshuwaransi
Pali zabwino zambiri zalamulo monga kusunga ndi kuchotsera ndalama zomwe angokwatirana kumene.
Chimodzi mwazofunikira ndi pankhani ya inshuwaransi yamagalimoto. Sukulu yoganiza ndikuti anthu okwatirana amakhala osamala m'misewu kuposa oyendetsa okha, mwina chifukwa ali ndi zina zofunika kuziganizira, chifukwa chake, pamakhala mitengo yotsika inshuwaransi yamagalimoto yoperekedwa kwa okwatirana.
Koma si inshuwaransi yamagalimoto yotsika mtengo chabe yomwe mungapindule nayo; inshuwaransi ya moyo ndipo ndalama za inshuwaransi yakunyumba nthawi zambiri zimatha kukhala ndalama zambiri. Ndipo maubwino oterowo ayenera kuganiziridwa ngati okwatirana. Izi ndizofunikira zomwe mumafunikira pamoyo, ndipo mutha kupanga ndalama zofunika pano.
5. Mapindu akuntchito
Phindu laukwati kuntchito ndilofala kwambiri kwa anthu okwatirana. Mutha kugwiritsa ntchito zinthu monga chisamaliro cha ana, mapulani a inshuwaransi yaumoyo, mano, mwayi wosamalira ana, ndi zina zambiri.
Mukakwatirana, izi ndi zinthu zomwe inu ndi mnzanu mudzapindule nazo kwambiri, ndipo izi ndi zoona makamaka ngati mudzakhala ndi ana nthawi imodzi.
Pali zambiri maubwino aboma okwatirana, ndipo zimathandiza kudziwa zomwe zili patsogolo pa nthawiyo momwe zingathere. Kuyesera kugwiritsa ntchito bwino banja lanu pothandiza kuchepetsa mavuto anu azachuma ndikofunikira, ndipo pali njira zambiri zopezera izi.
Kukhala ndi bwenzi kumathandizanso kwambiri pamaganizidwe.
Kanemayo pansipa, Andrew Mills akufotokozera maubale ndi omwe ali ndi mphamvu kwambiri m'chilengedwe chonse ndipo kukhala ndi ubale wapafupi kumachepetsa mwayi wathu wamavuto azaumoyo monga ngozi, kuzizira ndi. Komabe, nthawi zina timawanyalanyaza. Mumve iye akuyankhula pansipa:
Yesetsani kuyang'ana njira zina zabwino kwambiri zomwe mungasungire ndalama ngati banja, ndikuyamba kupanga ndalamazi mwachangu momwe mungathere. Ngati mutha kupeza gawo ili moyenera, muyenera kupanga ndalama zina zofunika kupita patsogolo, ndipo izi zingakuthandizeni kwambiri.