Choyamba, muyenera kumvetsa bwino zachuma ndi ndalama zabwino. Chizoloŵezi chachuma ndi maganizo a munthu payekha. Tsiku lililonse timasankha - kugwiritsa ntchito kapena kusunga. Choncho, chizoloŵezi chabwino chachuma ndi chizoloŵezi chomwe chimakuthandizani kubweretsanso akaunti yanu ya banki mwezi uliwonse.
"Bzalani sitepe - kukolola chizolowezi, kubzala chizolowezi - kukolola chikhalidwe, kubzala chikhalidwe - kukolola chiwonongeko" - kotero akale ankakonda kunena. Musaganize kuti mawu awa amangogwirizana ndi mfundo za makhalidwe abwino kapena mawonekedwe anu enieni. Ndiponsotu, ngati munthu sangathe kukhazikitsa bwino ndalama, sangakhale ndi moyo wabwino ngakhale kuti malipiro ake apitirira 100,000.
Monga tawonera, kukhala ndi zizoloŵezi zabwino zachuma sikovuta, koma choyamba kuchita ndi kuvomereza kuti muli ndi zizoloŵezi zoipa zachuma. Izi zikuphatikizapo zizolowezi zotsatirazi:
- Kulephera kuthetsa ndalama ndi ndalama
- kugula kwa nthawi yayitali (zambiri zomwe sizili zosafunika kwenikweni)
- ngongole yosatha yogula
- kuchepetsa kubwezera kwa ngongole mpaka tsiku lotsiriza.
Izi ndizo zizoloŵezi zofunikira kwambiri. Kuchokera pa izi izi 2 nkhani - zabwino ndi zoipa. Zoipa - mutakhala kale wokhoza kukhala wodziimira payekha, ngati makolo angakuphunzitseni zoyenera zachuma. Zabwino-inu ndinu mbuye wa tsogolo lanu, kotero ndinu mfulu kusintha zizoloŵezi zanu pamene mukufuna.
Tsopano ndi bwino kumvetsa zomwe zimakhala bwino.
1. Kusunga lipoti la ndalama. Kudziwa bwino za momwe muliri, kulingalira za magwero onse (malipiro, bonasi, bonasi, hack ntchito,% pa ndalama, etc.) ndi momwe mumagwiritsira ntchito bwino (ngongole, ndalama zowonjezera, chakudya, zosangalatsa, ndi zina zotero). Kuti mupange akaunti ngati imeneyi, simukusowa mapulogalamu apamwamba kapena luso lapadera, kokha kufuna kwanu kutenga moyo wanu pansi pa kulamulira ndalama ndi kalembedwe kawirikawiri ndi pensulo ya mpira. Chitsanzo chosavuta:
Ndandanda ya ndalama zamwezi
malipiro oposa 20,000 panthawi ino (asanakhale ochepa)
Chinthu chowonongera | % | kuchuluka |
Konki ya banki | 10 | 2,000 |
Banja | 10 | 2,000 |
Zosangalatsa | 5 | 1,000 |
Zosayembekezereka | 5 | 1,000 |
Malipiro amtundu | 30 | 6,000 |
Zakudya | 30 | 6,000 |
Zovala | 5 | 1,000 |
Kusamalitsa (kwa chuma, kuphunzira) | 5 | 1,000 |
TOTAL | 100 | 20,000 |
Ngati mutachita zonse molondola, ndiye kuti mugawo lililonse muli ndi ndalama zowonjezera ndalama.
2. Chikhumbo cha kuphunzira zinthu zatsopano , koma osangophunzira kuti muphunzire, koma phunzirani zomwe zingakuthandizeni kukhala munthu wodzikonda. (Munthu wodziimira payekha ndalama amaonedwa kuti ndi munthu amene angakhale ndi moyo kwa zaka zosachepera chaka chimodzi pamene amasungidwa osasintha njira yake ya moyo, kotero ngati mutagwiritsa ntchito 30,000 pamwezi, ndiye kuti akaunti yanu ikhale yaing'ono 30,000 * 6 = 180,000.) Izi zikhoza kukhala zatsopano monga ntchito yowonjezera, komanso kukula kwa luso la ntchito yanu yamakono, zomwe zingakuthandizeni kuwonjezera malipiro anu. Onetsetsani kuti mupereke ndalama zosachepera 5% pazinthu izi. Mwina mukufunikira mabuku kapena maphunziro amene mungathe kulipira ngakhale miyezi ingapo yosungirako.
3. Mphamvu yolemba pa banki ndalama iliyonse (nthawi zambiri 10-15%) ya ndalama zanu. Ndi bwino kuzichita pa tsiku la phindu, ndiye kuti sizingatheke. Ndi bwino kukhazikitsa galimoto yopititsa ku akaunti yowonjezera, yomwe simungathe kutaya ndalama mosavuta.
4. Perekani ngongole zonse , ngati simunapite nthawi yomweyo, ndiye mutalandira malipiro. Ndi bwino kuchita izi kuchokera pa khadi pa tsiku la malipiro kapena kuika malipiro anu pa khadi lanu. Ndiye zidzakhala zophweka kuti mumvetsetse ndalama zomwe mungathe kugwiritsa ntchito momasuka.
5. Kukwanitsa kusagula zopanda pake , pogwiritsa ntchito malonda a televizioni kapena zolembera SALE (malonda otsika) ku sitolo. Ndi bwino kuyembekezera masiku 10 mpaka 30. Nthawi zina zokwanira 2, kumvetsa kuti kugula chinachake chimene simukusowa. Koma ngati mwezi ukakumbukirabe nkhaniyi, ndiye, mwinamwake, akukufunani.
6. Kukhoza kugula monga momwe anthu olemera amachitira, i.e. nevovremya nthawi. Inu mukudziwadi zinthu zomwe zili m'nyumba kapena zovala zomwe mukufuna. Ndipo ndi bwino kuti mukhale ndi mndandanda wa zinthu zomwe mukuyenera kuzidzaza kapena chaka chimodzi. Mwachitsanzo, mukudziwa kuti nsapato zanu zachisanu siziwoneka bwino kwambiri, choncho muyenera kuganiza kuti kumapeto kwa nyengo yozizira mudzawona malonda osiyana komanso mwinamwake mutenge chinachake chenichenicho. Kuonjezerapo, zidzakuwonongani nthawi zitatu mtengo.
7. Kugwiritsa ntchito ndalama pogula zinthu zambiri (TV, kutsuka, mpweya wotsekemera, etc), ndipo osatenga ndalama zogulira, chiwerengero cha pragmatic chimene simudzadziwitseni mu sitolo.
8. Kukhoza kulingalira kuchuluka kwa sitolo pamene mupita kukagula. Choyamba, inu simungakhoze kuyeza kokha, koma ngakhale kunamizidwa ndi kudzipeleka. Musazengereze kutulutsa kachipangizo kapena osemobile ngati mulibe mphamvu pamasom'pamaso. Ogulitsa ambiri ndi mabwenzi, iwo akuyesera kukuwerengani moyenera, kotero kuti palibe phokoso pafupi ndi kampani. Nchifukwa chiyani amafunika kukopa chidwi cha msika, chifukwa adzalandira "phindu" kwa wina. Ndipo muyeso umafunika kudziwa ngati ndi phukusi lalikulu (ufa, mankhwala opangira mano, maswiti, etc.). Zidzakudyerani mtengo wotsika. Nthawi zina ndi bwino kugula mwezi umodzi phukusi lalikulu la kutsuka kwa mtundu, ndi kulandira choyera, mwezi wotsatira akadakali kanthu kena kalikonse kamene kali kofunika kwambiri koma sichitha kupulumutsa ndalama 10-15% za pakhomo.
9. Zopangira zosangalatsa , zosagwirizana ndi zopanda pake zopotoloka m'masitolo. Mwinamwake kukongola kapena nsalu. Pambuyo pake, ngati mutaphunzira kuchita chinthu choyambirira, zingakhale zosungiramo kugula zinthu zofanana mu sitolo, ndi zina zowonjezera, zomwe zimakupatsanso chimwemwe. Tangoganizani momwe makolo ndi ana adadabwidwira ngati mukuwapatsa chophimba cha sofa chomwe mwajambulajambula (ichi ndi chimodzimodzi) kapena lamba wapachiyambi, kapu, thumba lomwe palibe wina aliyense ali nalo.