Aliyense wa inu akudabwa momwe mungagwiritsire ntchito ndalama zanu zonse pa diresi lina, ndiyeno mudye buckwheat imodzi mpaka yotsatira. Ndipo simungathe kumvetsetsa chifukwa chake nthawi zonse mumafunikira kugwiritsa ntchito ndalama pa kompyuta, komanso pamagulu atsopano. Ndi kosavuta kuti mayi adzichepetse chakudya, adye chakudya chokha, ndipo panthawi yomweyo adzakhala ndi mizimu yabwino kwambiri, ndipo chinthucho chidzakhala bwino komanso chifukwa cha chiwerengerocho, chifukwa ali ndi mphamvu yokhala ndi chakudya chokhazikika. Koma munthu wochokera ku chizoloŵezi cha zakudya ndi zovuta kukana, ndipo popanda nyama sangathe.
Pakuyenera kukhala kugwirizana koyenera, chifukwa ndondomeko yosawerengeka ya ndalama imeneyi imabweretsa chisokonezo ndi zopweteka. Aliyense, akayamba kukhala pamodzi, amayesa kugwiritsa ntchito pang'ono, akuwerengera kuti pali kale ngongole ziwiri m'banja, koma ndalama zikuwonjezeka kwambiri.
Malingana ndi chiwerengero, amayi amawononga ndalama pa zovala, zodzoladzola, zonunkhira, kugwiritsa ntchito ndalama kwa achibale ndi abwenzi, pa zosangalatsa, pa zinthu zopanga nyumba yabwino. Amuna sangadzitsutse okha chakudya chokoma ndi kusungira ndalama muzochita zawo zosangalatsa.
Pofuna kuteteza vutoli kuti lisagwirizanane ndi kutsutsidwa, nkofunika kukambirana bajeti ya banja. Iyenera kulembedwa pamapepala, chifukwa aliyense amaona kugawa kwa ndalama ndi ndalama. Tayang'anani zomwe mungasunge, chinthu chilichonse chimawonongetsa zinthu. Mwinamwake, wokondedwa wanu sakudziwa kuti ndalama zimapita bwanji ku zotupa ndi kuchapa zovala.
Mwachitsanzo, tenga chakudya ndi inu kuti mugwire ntchito, zonse ndi zothandiza komanso zotsika mtengo.
Gulani zinthu panthawi yotsatsa nthawi, pa malonda. Lembani mndandanda pasadakhale kuti musagule zambiri. Apo ayi sipadzakhala ndalama, ndipo inu mumagwiritsa ntchito ndalama zambiri. Ndiye, pobwera kunyumba, ndikugonjera chisangalalo chonse, mudzakambirana zambiri za zinthu zosafunikira. Bweretsani ndalama ndi inu, koma m'malo mwake mutengeni bwenzi lanu kapena mwamuna wanu. Kuti musagule yoyamba, perekani mphatso kwa achibale ndi abwenzi pasadakhale.
Perekani ngongole ngati simukufuna kubweza ngongole. Mukhoza kusunga ndalama zogula, ndipo patapita nthawi, mukhoza kusunga ndalama zofunikira, ndipo banki silidzapiringizira ngati mawonekedwe.
Ngati mukufuna kugula zinthu zosavuta, ndiye ganizirani zomwe muyenera kusunga. Ngati mwamuna akuumirira kugula mtengo, ndiye am'konzekere chakudya chotsikirapo. Yesani kamodzi pa sabata kuti mugulitse katundu wa nyumba ndi chakudya m'misika yambiri, kokha kupita ku sitolo kukafunika chinthu china chofunikira.
Pamene mukukonzekera bajeti ya banja, simukusowa kukhala ndi ngongole, ndi bwino kupulumutsa kusiyana ndi kubwereka kwa anzanu. Kuti mukhale osakwanira, izi sizikutanthauza kuti muyenera kudzikana nokha mu chirichonse. Ndalama ziyenera kutengedwa ngati mutenga ngongole. Ndi zopanda nzeru kugula zipangizo zapanyumba, zovala za ubweya ndi zokongoletsera. Credits amagwiritsidwa ntchito ndi anthu omwe sangathe kusunga ndalama pa chinthu chofunikira. Ndipo sangathe kupulumutsa, chifukwa amakhala ndi ngongole miyoyo yawo yonse. Choncho chomaliza - muyenera kupeŵa ngongole.
Mu banki, pangani ndalama mwamsanga. Chodziwika cha nkhaniyi ndikuti ndalama zimachotsedwa panthawi inayake, mwachitsanzo, kawiri pachaka. Mwina mumataya chidwi chanu, ndipo izi ndi pafupifupi 10% pachaka. Mphatso yoteroyo ikhoza kubwezeredwa nthawi iliyonse.
Onetsetsani ndalama zomwe mumapeza pakhomo la banja ndipo muzindikire zomwe mumagwiritsa ntchito. Mwachitsanzo, gawo limodzi la ndalama lidzapita ku zofuna zapakhomo - kuti zikhale zolipira, gawo - lidzapita ku akaunti yowonjezera, chakudya, nyumba zogula nyumba, mafuta, zolemba. Misonkho ya wachiwiri wachibale akhoza kuloledwa kugula zipangizo, zovala, zosangalatsa (mphatso kwa achibale, mafilimu, maulendo opita kuzipinda zam'madzi) ndi ndalama zomwe zimagulidwa. Poganizira ndalama zenizeni, ziwerengero zingakonzedwe.
Ngati simungathe kusonkhanitsa ndalama, tsatirani ndondomekoyi. Ngati mwasankha kuti theka la malipiro liyenera kuikidwa pa akauntiyi, musadzipatse nokha.
Ngati mulibe ndalama zokwanira, ndipo malipiro anu awiri amakhala ngati ndalama zenizeni za moyo, ndiye zosowa za banja lanu sizigwirizana ndi mwayi wanu. Thandizani kukhumba kwanu. Sitiyenera kulowa muyeso yowonongeka kwa banja. Ndipo izi ziyenera kukhala: kupezeka kwa ndalama ku akaunti ya banki, palibe ngongole, pa tsiku la malipiro payenera kukhala ndi ndalama zochepa zomwe zimagwiritsidwa ntchito panopa. Ndi chilolezo cha onse awiri, kugula kulikonse kwakukulu ndi kakang'ono kumafunika kupangidwa. Nthawi zina mwamuna kapena mkazi amalepheretsa theka lawo lachiwiri kuti asagwiritse ntchito ndalama zambiri. Dzifunseni nokha, mukufunikira chinthu ichi, ndikukula, kulingalira, simungagule zonyansa zosafunika ndikusunga ndalama m'banja.
Kodi nthawi zonse ndi kofunika kuti musunge ndalama?
Inde, kupulumutsa ndibwino, koma pamene mukufunika kupulumutsa, ndipo zimachitika kuti kupulumutsa kuli kochepa kwambiri moti kumangopweteka moyo wanu.
Mwachitsanzo, mumakhala mochedwa kwa mnzanu. Bwenzi la chibwenzilo pafupi ndi stop, palibe njira yonyamulira, muyenera kupita kumapeto ena a mzindawo. Inu munaganiza zopulumutsa ndalama ndipo musatenge tekisi. Mukaima ola limodzi, ndikuzizira, muyenera kupita ku nyumba. Inu mumadzikuza nokha kuti mudasunga ndalama. Koma m'mawa mumatha kuona kuti pali zizindikiro zonse za kuzizira, ndipo kuti musadwale maulendo odwala, mukupeza mankhwala, mtengo womwe umaposa kawiri kawiri kalasi ya msonkho. Zotsatira zake - simungathe kugona mokwanira ndipo pafupifupi amadwala.
Zina zoterozo zosungirako. Mukukhala mumdima, mukufuna kupulumutsa, chifukwa magetsi amawononga ndalama. Mu mdima m'nyengo yozizira ndi yophukira thupi lathu liri ndi kusowa kwa kuwala. Malingana ndi akatswiri a zamaganizo, kuwala kuyenera kuphatikizidwa panthawiyi. Ngati mulibe malo ozizira kwambiri, izi zidzakupangitsani kuvutika maganizo kwa nyengo, ndipo ndalama zambiri zidzagwiritsidwa ntchito pochiza matenda. Magetsi amayenera kupulumutsidwa, koma sizikutanthauza kuti mumayenera kukhala mumdima mukatha kutseka kuwala, simukusowa kusiya TV. Ndipotu, anthu ambiri amachoka pa TV tsiku lonse, ngakhale palibe amene akuyang'ana.
Tsopano tikudziwa momwe tingakonzere bajeti ya banja molondola. Munthu aliyense ayenera kukhala ndi ndalama kuti adziwe mvula, izi ndi ndalama zowonetsera. Nthawi imodzi pachaka kapena nthawi ndi nthawi muyenera kufufuza mtengo. Mwinamwake muli ndi ndalama zotere zomwe simungathe kuzichita, kapena muyenera kuzichepetsa. Pachifukwa ichi, munthu safunika kudzala achibale ake mu mkate ndi madzi. Ndipo izi ndi zofunika kuti mudziwe zomwe zikuchitika ndi ndalama zanu. Mwinamwake ndalama zanu sizikwanira, kwa omwe akugula omwe mukufuna kugula. Ngati mumagwiritsa bwino ntchito ndondomeko ya bajeti ya banja, mutha kukhala opanda ngongole, ndipo kupulumuka pang'ono kukuthandizani kukonza bajeti yanu bwino.