Tonsefe timakhala ndi malipiro a malipiro. Timataya ndalama zambiri kuti tipeze zinyalala zosayenera. Ndipo anthu ochepa amaganiza kuti ngati mutaphunzira momwe mungagwiritsire ntchito ndalama zanu, mukhoza kusunga ndalama zambiri.
Sitikukuitanani ku umbombo wambiri, chifukwa kupulumutsa sikumadziletsa nokha. Koma mukhoza kupanga mfundo zingapo zomwe zingakuthandizeni kumvetsetsa momwe mungaphunzire bwino kusunga bajeti ya banja.
Kodi mudalandira malipiro? Wodabwitsa! Koma musathamangire ku sitolo, kunyamula ndalama zonse kunyumba. Ndipo panyumba mukhoza kale kulemba mndandanda wa zowonjezera zofunika, yerekezerani ndalama zomwe zidzatenge. Kuti ziwoneke bwino, ndi bwino kukoka tebulo, zomwe zidzalingalira zonse zomwe mukufunikira.
Musatenge ndalama zambiri ndi inu. Chifukwa kamodzi mu thumba lanu zashvetash amalipira kwambiri, nthawi yomweyo mukufuna kuwachotsa. Ndiponso palinso zochitika zosayembekezereka zomwe mukufuna kwenikweni kugwiritsa ntchito ndalama. Mwachitsanzo, munakumana ndi munthu wachikulire yemwe simunamuone kwa nthawi yaitali. Musathamangire "kukhala kwinakwake", kubwezeretsani msonkhano, kukonzekera, ndipo muzitha kuchita zambiri.
Choyamba, mukhoza kuphunzira kusunga chakudya. Gulani zinthu zonse zofunikira kamodzi pa sabata, ndiyeno tsiku lililonse, mugule mkate, mkaka ndi zinthu zina zazing'ono. Pitani ku sitolo pokhapokha mmimba mwathunthu, mwinamwake mudzafuna kugula chirichonse chomwe chiri pa peyala. Musanayambe kugula zakudya, lembani mndandanda ndikutsatira mwatsatanetsatane. Komanso, pokonzekera mndandanda, mungathe kulemba masewera anu kwa sabata. Izi zidzakuthandizani kusankha zomwe mukufuna kugula. Konzani pakhomo, makamaka zakudya zakuthupi, osati mankhwala omaliza, omwe nthawi zambiri amakhala ofunika kwambiri. Machete omwewo mungapange nyama yamchere ndi kuzizira, ndiyeno pang'onopang'ono muzizigwiritse ntchito. Pewani zosavuta zosavuta popita. Izi sizowononga zokha, komanso zosawerengeka kwambiri: onetsetsani kuti muli ndi ndalama zingati za maswiti, chokoleti ndi ma coki, patties pamsewu. Koma popanda zonsezi, mukhoza kuchita popanda.
Mabowo ofunikira mu bajeti ya banja amapangidwa kuchokera ku kugula kugula zovala. Monga momwe zilili ndi mankhwala, muyenera kukhala omveka bwino za mtundu wa chinthu chomwe mukufuna kugula. Apo ayi, muli ndi chizolowezi chodandaula kugula kwanu, chifukwa sizingagwirizane ndi zinthu zina zomwe mumavala. Ngati simukutsatira mafashoni, koma sungani machitidwe anu, masitolo ogulitsa ndi abwino kwa inu. Amagulitsa zinthu zomwe zinali zapamwamba pa nyengo yomaliza, koma zidzakhala zothandiza tsopano. Ndi ichi mukhoza kusunga mpaka 50% ya mtengo. Fufuzani m'deralo malo osungirako amitundu akugulitsidwira, pangakhale zinthu zotsika mtengo kwambiri. Ndipo musaiwale za makadi otsika mtengo, musazengereze kusintha izo ndi anzanu.
Musagwirizane ndi ngongole iliyonse ya boma. Apo ayi, mudzakhala oopsya m'mene akaunti yanu idzakulira pang'onopang'ono. Madzi otentha ndi ozizira amachepetsa kwambiri mtengo wopereka izi, komanso osanyalanyaza miyeso iwiri ya magetsi. Kuunikira, mababu amphamvu opulumutsa magetsi ndi abwino, amasunga ndalama zambiri.
Mukhoza kuchepetsa ndalama muzinthu zothandizira. Ganizirani za ndalama zanu pa foni yam'manja, mwinamwake, sankhani nokha ndalama zambiri. Ndipo ponena za Skype ndipo simunena kanthu, apa mungathe kuyankhula kwa nthawi yonse yomwe mukufuna.
Kugula kwakukulu, mwachitsanzo, zipangizo zam'nyumba ndi mipando, konzani pasadakhale ndipo mwezi uliwonse perekani ndalama zogulira. Mukakhala ndi ndalama zokwanira pa mtengo wapatali, mukhoza kugula popanda vuto kwa banja lanu. Ndipo kudzakhala chimwemwe chochuluka, kusiyana ndi ngati mutatenga ngongole! Kwa tchuthi cha chilimwe, inunso muyenera kusunga ndalama miyezi ingapo isanayambe.
Palibe ndalama zina. Ngati mutakonzekera ndalama kwa mwezi umodzi, mwasiya ndalama zowonjezera ndalama, musafulumize kuzigwiritsa ntchito pazinthu zopanda phindu zopanda pake, koma muziwaika kubanki, mwinamwake mtsogolo mudzagula kugula kwanu, koma muli otsimikiza , kuti sizingatheke.
Malangizo awa adzakhala othandiza kwa banja lililonse, makamaka panthawi yamavuto. Musanyalanyaze iwo, ndipo mudzawona kuchuluka kwa ndalama zanu zomwe zidzasokonezedwe, ndipo ubwino wa banja lanu udzakula. Mbuye wabwino kwa inu!