Lembani ndalama ndi kubwereka ndalama

Aliyense wa ife ali ndi achibale, abwenzi kapena anzake omwe amapempha ngongole. Chimene muyenera kuchita, ndikhoza kubwereka ndalama. Koma, monga mlembi wa buku la "Magic of Money" akuchenjeza, kuti asachite kalikonse pa ngongole ndipo simukuyenera kubwereka ndalama ndi kubwereka ndalama. Koma izi ndi malangizo okha, ndi moyo weniweni, ichi ndi chinthu china. Zimapezeka kuti bwenzi limodzi limamupatsa mzake ndalama zambiri, popanda chilolezo. Patapita kanthawi, amadziwa kuti chibwenzi chake chimakhala ndi ngongole, ndipo imapereka ngongole yaikulu kwambiri ku banki, kupatulapo, adatenga ndalama zambiri kwa achibale ake. Mkazi ameneyo, ndinafunika kugwira ntchito kwambiri kuti ndikhale ndi moyo. Mng'ono wake, panthawiyi, ankakhala, wosasamala, ndi munthu wosagwira ntchito, anapita kunyanja, anagula TV ya plasma, ndipo sakanalipira ngongole zake. Kubwereka ndalama ndi kubwereka ndalama, timaphunzira kuchokera m'nkhani ino.

Ndipo ndingathe kubwereka ndi kubwereka?
Akatswiri a zamaganizo amati simukuyenera kubwereka ndi kubwereketsa. Kwa munthu, ngongole ndizovuta kwambiri, kwa munthu mwiniyo komanso kwa wobwereketsa. Ngakhale, ndalamazo ndizosafunikira, zomwe zimafunsidwa. Ndipo simungakhale achisoni kuti mutaya ndalama, iwo, mukufunikira chiyani? Chifukwa chofunira ndalama chikuwoneka kuti ndi chofunika, ndipo mukufuna kuthandiza. Mukuganiza kuti simungabwezere ngongoleyo, chifukwa mukufunikiradi ndalamazo. Inde, ndiye mukuwopa kuti chibwenzicho chidzasokonekera chifukwa cha ngongoleyi. Pambuyo pake, nthawi zambiri zimachitika kuti simukufuna kuthana ndi munthu yemwe simunam'patse ngongole.

Funsani ndalama zokwanira, ngati mukulipira ngongoleyo, muyenera kutseka ndalamazo, musataye chidwi ndi zina zotero. Ndipo munthuyo amakana m'njira iliyonse papepalali, akunena kuti akufuna kuchita popanda mapepala. Koma muyenera kusankha. Anthu amati mukuyenera kubwereketsa, kokha ndalama zomwe mungathe kuzigawa. Kodi mumavomereza kugawana ndi ndalama zanu kuti mukhale paubwenzi? Ngati mukumva kuti simukukonzeka kubwereketsa, ndipo simungakhoze kukana mwamsanga, ndiuzeni zomwe mukuganiza. Mudzapeza chifukwa chokana, kuti munthu wapafupi asawakhumudwitse.

Ndiuzeni moona mtima kuti mudzasunga ubale wanu. Kuti mutenge ngongole yanu, muyenera kupeza chitsimikizo. Ngongole popanda receipt, ili ngati mphatso, sizingabweretse. Pambuyo pa zonse, popanda chiphaso ku khoti limene simukupita, n'zovuta kukumbukira malo, tsiku ndi nthawi. Maonekedwe a mgwirizano wa ngongole akhoza kufufuza pa intaneti, kenako amasindikizidwa ndi kudzazidwa. Ngati ndalama zomwe mukufunsidwa kuti mutenge ngongole ndi zazikulu, mukhoza kuitanitsa ngongole ya ngongoleyi. Zinthu izi zomwe zingagulitsidwe, ndipo zomwe sizimatayika, zodzikongoletsera ndizomwe zili ponseponse.

Chikumbumtima.
Njira yowonongeka ndi risiti, ndi yosavuta komanso yofulumira. Pulogalamuyo imalembedwa mu ofesi yodalirika, ndipo sichidziwitsidwa ku ofesi ya a notary, ndipo ngati ngongoleyo siilipidwa, chiphasocho chidzakhala maziko omveka ku khoti. Ngati ndalamazo ndizofunikira, muyenera kutenga risiti yobwereka. Pulogalamuyo imalembedwa ndi munthu amene mumamulipiritsa ndalama. Mukalandirayo muyenera kufotokoza deta ngati: Dzina la pasipoti deta ya munthu yemwe adakongola, adiresi, komanso dzina lonse, adiresi ya munthu yemwe amalonjeza ndi pasipoti yake. Chiwerengerocho chiyenera kulembedwa mwa chiwerengero ndi mawu, kotero kuti palibe kutsutsana kwa ndalamazo. Mukalandilo muyenera kufotokoza tsiku la kubwerera, ndi nthawi yomwe mukukongola. Fotokozani popanda chidwi kapena ndi chidwi choyenera kulipira ngongoleyo.

Mukalandirayi nthawi zambiri amaiwala kusonyeza chinthu chomwe chiyenera kuchitidwa ngati wobwereketsa sakubwezera ngongole nthawi yake, kapena adzabwezera gawo limodzi la ngongoleyo. Kenaka lembani tsiku ndi malo olemba risitiyo ndi kuisindikiza.

Wokongola ngongoleyo akabweza ngongoleyo, muyenera kumukumbutsa za kubwezera. Mwinamwake iye waiwala? Ngati chiphasocho sichinayankhidwe bwino, ndiye kuti munthu ayenera kudalira chikumbumtima cha munthuyo. Koma pamene pali risiti, ndipo palibe yemwe akufulumira kubwezera ngongole, ndiye n'zotheka kuyika kukhoti. Ndipo mukhoza kulankhulana ndi apolisi ndikutsutsa munthu uyu zachinyengo, pakali pano nkhaniyi idzafulumira. Pamene mukusowa ndalama mwamsanga, njira yoyamba ndi kutenga ndalama kwa anzanu mu ngongole. Kodi zimakhala bwanji kumbali ina ya ngongoleyo?

Pokhapokha, mutatsimikiza kuti mukhoza kupereka, mukhoza kukopa. Pa mabanki awa ali ndi inshuwalansi yabwino, sangapereke ngongole mpaka atakhutira ndi solvency ya wobwereka. N'kulakwa kutenga ndalama kuti muthe ngongole yapitayo mwanjira iyi. Kodi mungakhale omasuka ngati muli ndi ngongole? Zingakhale bwino kuphunzira momwe mungagwiritsire ntchito bwino ndalama yanu. Ngakhale kuti izi sizikumveka bwino, zingathetsere mavuto a ngongole, ngongole, ndi kusowa ndalama.

Pomalizira, mutha kuyankha funso ngati kuli kotheka kubwereka ndalama ndi kubwereketsa ngongole. Chifukwa chiyani mumatenga nthawi zonse munthu kuchokera ku ngongole, muyenera kukhala ndi moyo wanu, ndikusamalira ndalama komanso osapereka, komanso osakongola kwa wina aliyense ali ndi ngongole. Ngati simukufuna kutaya anzanu, phunzirani kuyankhula mwanzeru kuti ayi, kuti iziwakhumudwitse.