Mosakayikira mugule chinthu chamtengo wapatali kapena chosafunika kwenikweni ndipo dzipindulitseni chifukwa cha kupambana kumene mwakwaniritsa, mutonthozedwe panthawi yachisoni kapena kungodzipangira nokha kukhala chizindikiro cha kukoma mtima kwa inu nokha komanso kukondwera ndi moyo. Komabe, ngati munthu akubwereza mobwerezabwereza pamene ndalama zimapindula kwambiri, amalowa m'zinthu zomwe sangathe kubwezeretsa, amachititsa kuti banja lake liwonongeke, ndi bwino kudzifunsa yekha: chikuchitika chiani? Momwe mungaphunzire kugwiritsa ntchito ndalama mwanzeru - werengani m'nkhani yathu.
Kulephera kukonza bajeti
Zingamveke kuti luso lotipatsa ndalama mwanzeru likubwera ndi munthu wamkulu, mwachangu. Ndipotu, muyenera kuphunzira izi. Ambiri aife sitikudziwa momwe tingakonzekere bajeti. Zimakhala zovuta kuphunzira momwe mungagaŵire ndalama zanu, mwachitsanzo, munalibe ndalama m'thumba mwanu, kapena makolo anu anawapatsa, amayendetsa bwino ndalama zonse, kapena, mwachindunji, anapatsidwa zambiri monga mukufunira. Chotsatira chake, mwanayo sadapangire malire a zovomerezeka, sanaphunzire kuthetsa zosoŵa zake, kuyerekeza zikhumbo ndi zikhumbo ndi luso la ena. Kotero tsopano, kale ali wamkulu, adzayenera kudziphunzira yekha. Chimene, ndithudi, n'chovuta kwambiri kuposa ubwana, koma palibe njira ina yotulukira. Kuwonetsetsa kugula "Chifukwa chiyani sindingathe kukana?", "Ndidzapambana bwanji ndi ndalama zoterezi?" - Mafunso awa ndi ochititsa mantha, omwe akuwonjezeredwa ndi kuzindikira kuti zopanda pake zilipo. Ndikufuna kumumenya - ndipo tsopano dzanja langa lifikira pa thumba lakale. Akatswiri a zamaganizo amachititsa kuti khalidweli likhale "kugula mokakamiza." Izi zimachitika kwa ife omwe anakulira m'banja, kumene kunali mwambo kusokoneza mwana ku mavuto ndi chokoleti kapena mphatso. Mwanayo, mwachitsanzo, adagwa, kuvulazidwa ndi kupwetekedwa, amafunika kulandiridwa ndi kumumvera chisoni. Koma amayi anga akutanganidwa ndi chinachake - ndikumupatsa maswiti pomutonthoza. Kukula, munthu mwiniwakeyo amachititsa chiwembu ichi: ndi zoipa kwa iye - amapita ku sitolo. Kugula kumabweretsa mpumulo wamphindi. Koma mavuto enieni sakusintha. Komanso, amadzikundikira ndikusowa "zosokoneza" zambiri. Ndipo zina zotero, mpaka ndondomeko yotereyi idzakhala vuto lalikulu. Izi zikufanana ndi mankhwala osokoneza bongo kapena bulimia: ndalama zosasamala zingakhalenso mtundu wodalira.
Mauthenga Obisika
Dothi losasamala lingakhale uthenga wosadziŵa. Mwachitsanzo, mwamuna mwadzidzidzi akugula masewera a nyumba - ndipo banja silingathe kupita kutchuthi. Makhalidwe amenewa osati akuluakulu, m'malo mwake, m'malo mosamalira ana awo, amayamba kupikisana nawo, amadzigulira "chidole" m'malo mwawo. Uthenga wake: "Sindikufuna kukhala wamkulu, sindine wokonzeka kukhala ndi udindo kwa ena." Mkazi wanga akugula chidutswa china chokongoletsa. Uthenga wake ukhoza kukhala wakuti: "Mverani ine, ndikusowa chikondi." Mwana wamwamuna wamkulu akugwiritsa ntchito penshoni ya amayi ake: "Tsopano ine ndikuyang'anira, iwe umadalira pa ine ndipo iwe sungakhoze kundilanga." Pazochitika zonsezi, ndalama zopanda malire zimabisa chisangalalo cha moyo, ndipo ndikofunikira kumvetsetsa chimene "moyo" wa wobwezera-chikondi, chitetezo, kuvomereza, ndikupempha? Kusiya zinyalala n'zotheka kokha pakuzindikira ndi kukhutiritsa zosowa zenizeni, zomwe ziri kumbuyo kwake.
Ndiyenera kuchita chiyani?
- Kulemba ndi ndalama
Yambani kusunga diary ya ndalama: lembani zomwe munagula, osati kuwonetsa ndalama zokha, komanso ma bukhu ogula. Kodi mumamva bwanji panthawi yogula (mudali wosungulumwa, wokhumudwa kapena wosangalatsa) ndipo mutatha (mumakhutira, mumadziimba mlandu ...)?
- Kumvetsa zosowa zanu
Pamene mukufuna kugula chinachake, musathamangire ku sitolo mwamsanga - tengani nthawi yayitali. Pitani pamalo amtendere, amtendere kumene simungasokonezedwe, ndipo dzifunseni nokha: "Ndichifukwa chiyani ndikufunikira kugula uku? Kodi ndikusowa chiyani? Chokhumba changa choona ndi chiyani? "Mukhoza kufunsa abwenzi kapena anthu apamtima kuti akufunseni mafunso awa mokweza. Kapena mukambirane ndi wodwalayo.
- Kugula ndi chimwemwe
Mukhoza kudziwiratu pasadakhale kuchuluka kwa ndalama zomwe mungagwiritse ntchito pokwaniritsa zilakolako zanu zosayembekezereka. Lekani nthawi kuchokera ku khadi la ngongole ndipo, mutasiya nyumba, musatengere zochuluka kuposa momwe mungagwiritsire ntchito. Chinthu chachikulu ndikusangalala ndi chisangalalo chomwe chatsopano chimapereka. Kotero inu mukhoza kubwezeretsanso chimwemwe chogula ndi kuchotsa malingaliro a kulakwa.
- Kwa yemwe ali pafupi
Nthawi zina zimathekera kuthetsa vuto linalake mwa kubweza ngongole za munthu wina. Koma bwino zimamupangitsa kuganiza mpaka "kugonjetsa" kokagula, poipa kwambiri - adzabisa zomwe akugwiritsira ntchito ndalama, mpaka zomwe ngongole zimakhalanso zopanda chiyembekezo. Ambiri ogula zinthu amangokhala okha. Kuti mupite ndi munthu amene amakonda kugwiritsa ntchito ndalama zambiri, mumayendetsedwe akumagulu ndikumuthandizani kuti asamalipire ndalama zosafunikira. Koma ndi bwino kusamalira ndalama zanu: mwachitsanzo, kusunga ndalama pazinthu zosiyanasiyana.