Kukonzekera ndi kuwerengera ndalama pa bajeti ya banja ndi chilango chomwe chiyenera kuphunzitsidwa, ndipo tsiku lina pophunzitsa sichikwanira. Chidziwitso, chizoloŵezi ndi zochitika, kuphatikizapo kukwanitsa kudzikaniza nokha chinachake chifukwa cha ndalama zokonzedweratu kapena kusungirako - ndizo zigawo zazikulu za kukonzekera bwino ndi zotsatira zabwino.
Kusunga zolemba kunyumba
Kusunga ndondomeko ya kunyumba ndi gawo lofunika tsiku lililonse. Kulipira mphindi zisanu zokha pa tsiku la "malipoti" a ndalama, ndiye kuti mumakhala ndi udindo wachuma m'banja lanu, komanso kuwonjezera pa zitsanzo zanu ndi zothandiza, kuthandizani ana anu kupeŵa mavuto ambiri ndi ndalama za banja m'tsogolomu.
Kukonzekera ndi kuwerengera ndalama za ndalama za banja kumaphatikizapo kuyang'anitsitsa ndalama zowonongeka ndi zolipirira tsiku ndi tsiku, kuganizira zopindulitsa ndi zopanda phindu, kugula bajeti pofuna kukwaniritsa zolinga za nthawi yaitali, kupanga mapulani nthawi zonse pofuna kuonetsetsa kuti ndalama zimakhala zovuta panthawi ya mavuto aakulu (matenda, kutaya ntchito, ndi zina zotero).
Kufufuza kwa "chikwama cha banja"
Chiyambi cha ndondomeko ya bajeti ya banja ndikutenganso ndalama zapakhomo ndi ndalama. Kuti muchite izi, muyenera kulemba phindu lonse ndi ndalama tsiku lililonse kwa mwezi. Mwachidziwikire, padzakhala zinthu zowerengeka zokha zogulira ndalama, zina zonse zidzakhala ndalama zanu. Kumapeto kwa mweziwu, muyenera kufufuza bwinobwino za kugula konse. Mudzadabwa kwambiri mukawerenga kuchuluka kwa ndalama zomwe mumagwiritsa ntchito, motero, "zinthu zazing'ono za moyo." Mutalandira chithunzi chenicheni cha ndalama, mukhoza kuyamba kukonza bajeti yanu. Izi ndizo, nthawi yotsatira idzakhala ikukonzekera ndi kusanthula.
Choncho, mutaphunzira kulingalira ndi kukonzekera, mukhoza kuyamba kupanga bajeti ya banja. Gulu la bajeti, monga lamulo, limakhala lofala kwa chaka, ndi ndondomeko, ndi miyezi. Kupanga bajeti ya banja, mukufunikira, choyamba, kuti muzindikire zinthu zazikulu za ndalama ndi ndalama zomwe mumagwiritsa ntchito. Chifukwa cha kukhazikitsidwa kwa nyumba yotereyi, munthu akhoza kuganizira momwe ndalama zimagwiritsidwira ntchito, komanso ndalama zomwe zingathe kuchepetsedwa. Chinthu chachikulu ndi chakuti ndalama zomwe zimagwiritsidwa ntchito siziyenera kupitirira, koma, mosiyana, zikhale zochepa, zopeza ndalama kapena zofanana nazo. "Kulephera kwa bajeti ya banja" sikuvomerezeka!
Malamulo okonzera bwino
Kuti banja likonzekere kukhala lothandiza ndi lothandiza, munthu ayenera kutsatira mfundo zazikulu ndi malamulo kuti akonze mapulani:
- Pofuna kupewa "mavuto" m'mabanja a banja, munthu ayenera kudziwa kuti "ayi" pakapita nthawi. Izi zikugwiritsidwa ntchito pazinthu zambiri zosaganizidwa zomwe timapanga. Kukhala ndi ndondomekoyi: "Ndikufuna kugula chirichonse chimene ndikufuna komanso pamene ndikufuna," - izi zikuwononga mtendere wa ndalama za banja lanu.
- Kuchita kawirikawiri "chikwama cha banja" ndicho chitsimikiziro cha dongosolo mu chikwama chomwecho.
- Penyetsani mwatsatanetsatane nkhani ya kusunga, popanda iwo simungathe. Zochepa, koma ziyenera kukhala.
- Nthawi zonse muzikambirana nkhani zachuma za m'banja lanu ndi mwamuna kapena mnzanu.
- Lamulo lalikulu la kuyang'anira ndalama za banja ndikulinganiza chitsanzo chanu cha kayendedwe ka bajeti. Izi ndi zoona makamaka kwa mabanja achichepere. Kulakwitsa kwakukuru ndiko kuyesa malamulo ndi mfundo m'banja, zomwe zimadwala m'mabanja a makolo. Kukambitsirana koyambirira kwa nkhaniyi ndikulonjeza za ubale wopanda mgwirizano m'tsogolomu.
- Phunzirani kuchita kafukufuku wamtengo wapatali ndikuyang'ana magwero a kugula mtengo.
Lamulo lalikulu la chuma cha banja
Udindo wa ndalama za banja ndi nkhani ya banja komanso yogwirizana, ndiko kuti, zonse zomwe zimagwiritsidwa ntchito zimayenera kukambirana pamodzi ndi theka lawo lachiwiri. Ndipo muzonse pamenepo pakhale kukhala woona mtima ! Kusunga mtengo weniweni wa zomwe mumagula, ndalama zenizeni kapena ngongole zingathe kuchitapo kanthu mwachinyengo osati mu ndalama zokha, komanso muukwati wokha.
Chifukwa chiyani mukusowa ndalama
"Misonkho yathu yokhudzana ndi ndalama zokwanira ndizokwanira zokhala ndi ndalama zokhazokha komanso kulipirira zofunikira. Kodi ndi ndalama zotani zomwe tingathe kuzikambirana? ", Akudandaula Victoria. Inde, malipiro a mabanja ambiri nthawi zambiri sali okwanira kupulumutsa kanthu ndikubwerera. Komabe, monga ndanenera pamwambapa, ngati mutasanthula zonse zomwe mumagwiritsa ntchito, mungapeze ndalama zambiri zofunikira za banja.
Pazochepa ndalama zochepa ndizofunikira kupeza zina zopezera ndalama. Fufuzani zonse zomwe mumadziwa kuchita. Mwina, kusoka, kugwirizana, kulamulira kapena kuphunzitsa, kugwira ntchito monga mphunzitsi wa Chingerezi, - pali njira zambiri zotheka kuti mupindulepo. Chinthu chachikulu ndikungofuna! Mulimonsemo, 1% ya phindu lonse la banja nthawi zonse likhoza kutchulidwa "tsiku lotsatira."
Mfundo ina yowonjezereka ya nkhani yopulumutsira ndi kubweretsa ndalama za banja ndi lamulo lopulumutsa ndalama kwa chinachake. Mukufuna kugula TV kapena galimoto - kuika pambali ndalamazo. Kukhala ndi ndalama za banja kumadzakupulumutsani nthawi zonse mukakumana ndi zovuta kapena zosayembekezereka.
Kodi mungasunge chiyani?
Zowonjezera zowonjezera ndalama, ndipo chifukwa chake, njira yosungira ikhoza kukhala ndalama zogwirira ntchito za ndalama za banja. Fufuzani zinthu zonse zomwe mumagwiritsa ntchito ndikuganiza zomwe mungasunge. Mwachitsanzo, ngati mumadya chipinda chodyera kapena cafe, ndizotchipa kwambiri kuti mutenge chakudya kuchokera kwanu. Ngati mutayendetsa galimoto yanu kapena tepi, ndiye kuti galimoto zonyamula katundu zimakhala zochepa kwambiri. Fufuzani mtengo wa madzi ndi magetsi, mtengo wa zodzoladzola zogulidwa kapena mankhwala apanyumba. Zoonadi, mudzapeza magwero a ndalama zowonjezera pa bajeti ya banja.
Mitundu ya bajeti ya banja
Ndalama zogwirizana za banja ndizofunikira pa chikwama cha banja. Koma, zikuchitika kuti izi sizigwirizana ndi maziko ndi malamulo a banja linalake. Ganizirani mitundu yayikulu ya bajeti ya banja.
Zomwe zimagwiritsidwa ntchito
Ndondomeko yotereyi imapereka kuti ndalama za munthu aliyense m'banja zimapita ku "zolembera za ndalama" ndipo zimagawidwa palimodzi. Ndondomeko ya bajeti ya banja imeneyi ikuwoneka ngati oyang'anira "ndalama" zapakhomo, monga momwe okwatirana alibe zobisika kuchokera kwa wina ndi mzake za kukula kwa malipiro awo.
Gawani za bajetiyi
Ndi bajeti ya mtundu uwu, ndalama zonse za banja zimawerengedwa ndipo zimagawidwa mofanana. Kugawidwa kwa ndalama za banja kungabweretse mikangano yambiri ndi mkwiyo. Choyamba, sizingakhale zosavuta nthawi zonse kufalitsa amene amadya. Mwachitsanzo, mkazi yemwe amadya cholakwika ngati akulipira ndalama zofanana. Kuphatikizanso apo, wokondedwa amene amapeza ndalama zochepa adzadzimva kuti ndi wosakanikirana, chifukwa ndalama zake zimakhala ndi ndalama zing'onozing'ono.
Kusiyanitsa bajeti
Imeneyi ndiyo njira yabwino kwambiri yosamalira ndalama za banja ku Western Europe. Okwatirana amadzimverera okha popanda ndalama, amayendetsa ndalama zawo okha ndi kulipira ngongole zawo. Kuwononga ndalama kwa banja lonse, monga kuphunzitsa ana, kubweza ngongole, ngongole yogwirizana, kulipidwa ndi okwatirana m'khola.
Nthawi ndi ndalama
Musataye nthawi, yambani pokonzekera lero. Choncho, mawa mungapewe ndalama zosafunika ndikusunga ndalama zina za banja. Kumbukirani kuti chilango ndi ndondomeko ya ndalama za tsiku ndi tsiku zimabweretsa zotsatira zabwino.
Ubwino wa kukonzekera ndi kuwerengera ndalama za banja
Chifukwa cha kukonzekera ndalama kwa bajeti ya banja, mukhoza kukwaniritsa zolinga zanu mofulumira komanso mogwira mtima. Chifukwa cha bajeti yabwino ya banja, mumasunga ndalama zanu. Kuwonjezera apo, chifukwa cha bajeti ya banja, mudzakonzekera nthawi zonse zosayembekezereka. Ndipo kumbukirani kuti bajeti yomwe adalamulidwa ndikugwirizana pakati pa okwatirana ndi chinthu chofunikira chomwe chimakhudza kwambiri ubale wa banja. Kukonzekera bwino kwachuma ndi malipoti kwa inu!