Kodi mungasunge bwanji ndalama m'banja?

Monga momwe chizoloŵezi cha tsiku ndi tsiku chikusonyezera, palibe ndalama zambiri. Ndipo ngati pali banja ndi ana, ndalama zimakhala zikutha mofulumira kuposa momwe zikuwonekera. Funso lopulumutsa ndalama likhoza kuchitika m'mabanja ali ndi phindu lililonse, chifukwa nthawi zonse malipiro ake ndiwotsimikiziranso moyo wabwino. Chofunika kwambiri ndi kuthekera kugawa ndalama ndikuzigwiritsa ntchito mwanzeru.

Malangizo momwe mungasunge ndalama m'banja

Poganizira mmene mungasungire ndalama m'banja, mwamuna ndi mkazi samayang'ana funso lomwelo nthawi zonse. Zingamveke ngati mwamunayo amadzipiritsa ndalama zambiri, ndipo mkaziyo - kuti mwamuna wake ali ndi chiwerewere. Choncho, mfundo yofunikira yopulumutsa mabanja iyenera kukhazikitsa ndalama. Ndi kubwera kwa ndalama mu banja la okwatirana, nkofunika kuvomereza pamodzi kuti ndi ndalama zingati zomwe zidzagwiritsidwe ntchito. Ndikofunika kuganizira zinthu zoterezi:

• malipiro oyenera (zothandiza, kulipira mafoni a telefoni, intaneti, maphunziro a ana, inshuwalansi, etc.);
• chakudya - ndi bwino kupereka ndalama zina pa sabata iliyonse;
• Zogula zofunika (zovala kapena nsapato, kukonza galimoto, kugula zida) - chinthuchi chingayambitse kusagwirizana, kotero muyenera kuyamba ndi zofunika kwambiri ndikusunthira mpaka bajeti ya nkhaniyi yatha;
• kupuma - chinthu ichi chachitsulo sichinganyalanyazedwe, pamene moyo udzasintha. Ngati simungagwiritse ntchito ndalama kuchokera m'ndandanda iyi, ndiye kuti muwapereke kwa mwezi wotsatira ndikuwonjezerani mwezi wotsatira;
• Zosasinthika - osati mabanja onse ali ndi ndalama zokwanira izi, koma tiyenera kuyesetsa kusunga ndalama zosachepera 5-10%.

Mutati mwafotokozera zinthu zomwe mumagwiritsa ntchito, mumatha kuona komwe ndalama zingachotsedwe komanso kuti muzitha kuyang'anira ndalama. Kulephera kukonzekera ndi mdani wamkulu wopulumutsa.

Kuonjezerapo, pali malingaliro owonetsera ndalama:

• kugula zinthu zapamwamba, chifukwa nsapato zazing'ono ndi zovala sizingathe nthawi yaitali ndikuwonetsa ndalama zatsopano;
• Musagule zinthu mu boutiques, pamene inu musamalipire kanthu, koma cha mtundu;
• Zakudya zapakhomo ndi zaukhondo ziyenera kugulidwa pamakampani akuluakulu, chifukwa izi ndi zopindulitsa kwambiri;
• Zipangizo zam'nyumba zingagulidwe mwasamba, komwe mitengo imachepetsedwa chifukwa cha vuto losafunikira.

Sungani ndalama pa menyu kwa banja

Pali malingaliro angapo ofunikira kuti mupulumutse ndalama mu banja pa katundu:

1. Perekani ndalama zina kuzogulitsa ndikuyesera kuti musapitirire. Izi zidzakuthandizani kupeŵa zowonjezera ndi zonyansa zosafunikira.
2. Pangani menyu nthawi yomweyo kwa sabata. Musaiwale kuti ziyenera kukhala zosiyana komanso zogwirizana.
3. Gulani katundu kamodzi kwa sabata, kuti mupite ku ofesi yaikulu nthawi zambiri, kumene mukufuna kugula zinthu ndi zina zambiri.
4. Pitani ku sitolo mwachidwi ndi mndandanda, kuti musagule zinthu zomwe simukuzikonzekera zomwe zikugogoda banja kunja kwa bajeti.
5. Yambani kabuku komwe muyenera kulembera mndandanda wa maphunziro oyambirira, achiwiri ndi mchere umene mungathe kuphika. Pali maphikidwe ambirimbiri otsika mtengo mbale, zomwe timaiwala, kotero bukhuli lidzakuthandizani kukumbukira momwe mungasangalatse banja ndipo nthawi imodzi mumathera pang'ono.
6. Tsatirani chinthu chomwe chimatenga ndalama zochuluka kwambiri kwa inu ndikuyesera kupeza njira ina. Ngati nyama, phunzirani kuphika masamba kapena nsomba . Ngati ndi maswiti, muyenera kugula ufa wambiri ndi shuga, ndi kuphika makeki ndi mikate.

Kudziwa momwe mungasungire bwino ndalama m'banja, mukhoza kukhala mbuye wanu ndalama ndikupeza ndalama zomwe simunakhale nazo kale.