Kukhala bwino ndi chilakolako chachibadwa cha munthu aliyense. Ndipotu, ndani amene safuna kupindula yekha ndi banja lake? Koma momwe mungakwaniritsire izi?
Funso losatha limene limasokoneza anthu mamiliyoni ambiri. Nkhani yogawa bajeti si nkhani yosavuta. Ndipotu, mosasamala kanthu kuti malipiro apamwamba ndi otani, nthawi zonse amakhala ochepa, chifukwa zosowa zikukula. Zomwe sizingakhale zabwino kuti tikhale ndi moyo wabwino, pachiyambi ndikofunikira kuphunzira chuma ndi njira yolondola yoyendetsera bajeti ya banja.
Pali malamulo ena oyendetsera bajeti ya banja. Izi zikuphatikizapo kuthekera kusunga ndi kupanga masitolo. Si aliyense amene angapeze nthawi yokaona malo osungira tsiku ndi tsiku pofunafuna zinthu zofunika ndi katundu. Koma muyenera kusunga zinthu ndi malingaliro, okwanira kwa nthawi inayake. Kenaka, zimachitika kuti mugula chilichonse, ndikuchikankhira mufiriji ndikukhazikika pansi poganiza kuti padzakhala chakudya chokwanira kwa nthawi yaitali. Koma zina mwazo zimangowonongeka, ndipo ena amangochita mantha. Zili choncho kuti ndalama zimaponyedwa ku mphepo.
Makamaka chilakolako chachikulu cha kugula chinakhalabe ndi anthu omwe anakhalapo panthawi imene katundu wambiri analibe ndalama ndipo ankagulitsidwa mwangozi. Anthu omwe amakonda kupanga masitima samamva kuti atetezedwa ndikuopa kubwera kwa tsiku lotsatira. Motero, kusonkhanitsa katundu ndi zinthu kumapangitsa kuti akhale ndi chidaliro chochuluka.
Taya nkhawa zosayenera. Inde, muyenera kukhala ndi malo osungira, koma muyenera kuyandikira izi moyenera komanso mopanda kutengeka. Ndi bwino kwambiri pamene simusowa kutaya zambiri. Komanso, pamene tsoka lenileni la padziko lapansi lichitika, zilizonse zomwe mumapanga, sizikuthandizani.
Ndikofunikira kupulumutsa, ndipo izi ndi zovuta kutsutsana nazo. Koma palibe chomwe chiyenera kuchititsa kuti chuma chisawonongeke. Mwachitsanzo, ngati mukufuna kugula chakudya, palibe chifukwa choti mupite kumapeto ena a mzinda, kumene kuli msika wotsika mtengo. Ndipotu, panopa, mukupulumutsa pa kugula, mudzagwiritsa ntchito ndalama paulendo, mphamvu zanu, nthawi ndi thanzi lanu. Pa nthawi imodzimodziyo, kugula masitolo pamtengo wapatali, pamene pali msika wogula pafupi, ndizosamveka. Musapulumutsenso pazinthu zing'onozing'ono. Chuma choterocho chimapangitsa munthu kukhala wosatsimikizika kwambiri pa luso lawo. Munthu amayamba kumva umphawi wake ndikuganiza momwe angapezere zosowa. Ndizomveka kwambiri kupeza ndalama zina. Lolani kuti lisakhale lopambana, koma mukhoza kulidyetsa.
Nthawi zina zimakhala kuti ngakhale ndi chuma chokwanira, simukukhala ndi ndalama m'thumba lanu. Ndipo ndiko kwenikweni. Chinthu chofunika kwambiri pa nkhaniyi sikuti tizichita mantha. Inde, zovutazo ndizovuta, koma m'pofunika kumvetsa kuti ndizanthawi ndipo zidzatha. Mukapitirizabe kulephera, ndiye kuti zikhoza kukhala zovuta, zomwe zingakhale zovuta kukonza.
Zidzakhala zowonjezereka kuti tidzitsimikizire tokha zenizeni za makonzedwewa. Ganizirani zomwe muyenera kuchita popanda zinthu zilizonse, yang'anani pa zomwe ziripo. Zingakhale zabwino kuyembekezera nthawi ndi kukwaniritsidwa kwa malonda aliwonse omwe anakonzedweratu ndi kulipira ngongole. Sungani ndalama zotsalira molondola. Siyani ndalama zogulira tsiku ndi tsiku. Pankhaniyi, panthawi yomweyi, kumbukirani malo omwe anapangidwanso. Mwa njira yoyenera, nthawi yovuta ikhoza kukhalapo. Nanga bwanji ngati palibe ndalama nkomwe? Ndiye ndizofunikira kuyang'ana zina. Mwinamwake, chinachake chogulitsa kapena kupeza zina zowonjezera, osachepera. Imodzi mwa njira zowonjezereka ndikutenga. Pokhapokha pa nkhaniyi, yerekezerani nthawi yomwe mumatenga ndalama. Musapangitse kuti zinthu zikuipireipira.
Ngati mwakonzekera kugula mtengo, musafulumire kukakonza mu sitolo yoyamba kumene munaziwona. Lankhulani ndi banja lanu ndi abwenzi, ndipo pitani ku malo abwino. Nthawi zonse muziyang'ana zosankha zabwino kwambiri kwa inu. Samalirani malonda ndi zigawo zomwe mwagulitsa. Osati nthawi zonse pansi pa zida zamtengo wapatali zikugwa. Kawirikawiri, kuchotsera kumapangidwira mankhwala osapitirira, osayenera, ndi nthawi yochepa yothandizira.
Masitolo ambiri amapereka kugula chinthu chokondedwa pa ngongole. Ndipo kulembetsa kumachitika mwamsanga pa kuwonetsedwa kwa pasipoti ndi wogula. Koma panopa, ndikofunikira kuwerengera ndalama zowonjezera. Ngati chiwerengero chiri chachikulu kwambiri, ndipo kugula sikuli kofulumira, ndibwino kupulumutsa ndalama zina.
Yesani kukhala olemera, yambani ndi njira yoyenera yogwiritsira ntchito ndalama. Iyi ndiyo njira yotsimikizika yopita ku chuma.