Aliyense wa ife nthawi ndi nthawi amagula zinthu zomwe zimaposa kuthekera kwa bajeti ya mwezi. Ponena za funso lomwe likubwera: kusunga kapena kubwereka?
Yankho la funsoli ndi lodziwikiratu, ndithudi, kuti lipulumutse. Malingaliro ndi osavuta - ngati mumasunga ndikugwiritsa ntchito ndalama, zimakugwiritsani ntchito. Ngati mumagwira ntchito, ndiye kuti mumagwiritsira ntchito ndalama.
Kodi mwamsanga mungasunge ndalama bwanji?
Nthawi zina zimawoneka kuti izi sizingatheke. Komabe, kusunga ndalama sikovuta kwambiri, kungoyenera kukhazikitsa cholinga ndikupita ku cholinga chomwe mwakonzekera.
Pofuna kusunga ndalama, muyenera kulingalira bwino-zomwe ndalamazo zikupita, ndikumvetsetsa zomwe mwakonzeka kusunga, ndi zomwe siziri. Kuti muchepetse ndalama, palibe chopanda kanthu kudzikaniza nokha chinachake pakali pano. Ndikofunika kusankha chomwe chikufunika ndi chifukwa chake. Chitsamba chopanda phindu chotsatira chidzachotsedwa nthawi zonse kuchokera ku zotsatira zoyenera.
Kuti asunge ndalama, amafunika kuwonetseratu mwadongosolo. Musabwererenso - musasunge chilichonse. Kuphunzira kusunga ndalama ndi maloto kwa ambiri, koma si onse omwe amatha. Nthawi zonse pali zifukwa zingapo zoyambira kutsogolera "mawa", ngakhalenso mwezi wotsatira.
Kodi ndingatani kuti ndipulumutse ndalama mwamsanga?
Choyamba, muyenera kufufuza bwino ndalama zanu zonse ndi ndalama zanu. Makamaka ayenera kulipidwa, ndithudi, ku zowerengera za ndalama. Pokhala ndi lingaliro lomveka la zomwe mumagwiritsira ntchito ndalama, mukhoza kumvetsa kumene mungasunge ndalama. Ndipo kusankha momwe mungasunge ndalama , muyenera kuphunzira momwe mungakonzere ndalama zanu. Izi zikhoza kuchitika polemba zinthu zonse ndikuwonanso deta.
Mwachitsanzo, mwezi, konzani zonse zomwe mumagula komanso ndalama zanu.
- Telefoni, intaneti, lendi, magetsi.
- Chakudya (Pitani ku sitolo, dzipangireni zomwe mukufuna kugula zinthu zofunika kwambiri.) Ndi bwino kupanga mndandanda wa zogulira ndi kutenga ndalama zina zomwe mungathe kuzigwiritsa ntchito tsiku ndi tsiku, koma musagwiritse ntchito malonda.
- Kugula zovala (Popeza simugula zovala mwezi ulionse, mukhoza kusunga ndalama zogula zovala, pamene mukupeza ndalama zina).
- Maulendo.
- Chiwerengero cha zovuta.
Kumapeto kwa mweziwu, mudzawona komwe ndalama zikupita, kusintha ndondomeko ya bajeti, kumvetsa zomwe ziyenera kupulumutsidwa. Komabe, kusintha bajeti yanu ndi ntchito yosavuta, choncho, mwachiwonekere, mudzayenera kugwiritsa ntchito njira yoyesera ndi yolakwika. Khalani okonzekera kuti muyenera kufotokozera mndandanda wa zinthu zomwe mumagula kangapo musanafike pamtundu woyenera.
Kuwonjezera apo, muwerenge zomwe ndalama zanu za mwezi ndizo mwezi, ndipo, pogwiritsa ntchito ndalama ndi ndalama zomwe mumapeza mwezi uliwonse, pezani ndalama zochepa zomwe mumakonzekera. Mtundu woyenerera wa ndalama zochepetsedwa ndi 10% ya phindu la mwezi uliwonse. Ndipo kuti pasakhale chiyeso chochigwiritsa ntchito, iwo ayenera kubisala kwa inu nokha. Ndipo njira yoyenera pa izi ndi akaunti yapadera ya banki, ndi gawo la ndalama zomwe mungathe kuzichotsa popanda kuwononga chidwi. Mabanki angapo amapereka mankhwala ofanana. Choncho, mungathe
Malangizo momwe mungasunge ndalama
Ngati mutakhala ndi funso "momwe mungapulumutsire ndalama" kapena wina angakufunseni za izo, musathamangitse mutu wanu. Kumbukirani - pali malamulo awiri osavuta:
- Lamulo loyamba: choyamba kuchotsa ndalama (ndiko kuti, ndibwino kuti mubwezere ndalama zomwe mwatengapo mwamsanga mutalandira malipiro), ndipo pitirizani kutaya zomwe zatsala pambuyo pake.
- Lamulo lachiwiri: Timakonzekera ndalama zathu.