Ndalama zikagwa, muyenera kudula ndalama ndi zakudya ndi zovala, ngongole zikukula ngati snowball, ndipo zikuwoneka kuti palibe njira yothetsera vutoli. Izi zimachitika kumbali ina: iwe uli ndi kukweza, malipiro ako awonjezereka, tsopano zikuwoneka kuti ukhoza kugula zomwe wakhala ukulota, koma ... Ndalama zikuwoneka kuti zimakhala zowonongeka - ndipo nthawi zina mumabwerekanso, monga nthawi zakale "zoipa" .
Momwe mungakhalire? Ndi kusintha kwakukulu mu ndalama mwanjira ina kapena ina, yang'anani malamulo angapo, ndipo nthawi zonse mudzakhala ochepa moyo.
Kumbukirani: nkhani ya ndalama imakondedwa
Kodi mukuwonjezeka kwambiri? Landirani kuyamikira kwathu ndi uphungu: musathamangire ndi ndalama mu chisangalalo.
Musagule zinthu mopupuluma, pansi pa "maganizo", chifukwa chakuti mungathe kuzigula. Ndi bwino kugula zovala kapena nsapato zomwe adafuna kugula kale, musanawonjezere ndalama.
Ndikofunika kuti muzigwiritsa ntchito ndalama zatsopano: malipirowo adagawidwa mu magawo awiri: ndalama zomwe zinabwera kwa inu musanawonjezere ndalama ndi zomwe zinawonjezeredwa. Zosowa zonse zofunika: chifukwa choyenda, chakudya, zothandiza, malipiro a ngongole amachokera ku ndalama "zakale". Ndipo ndi Kuonjezerapo ndi zofunika kuchita izi: kuika ku banki pamtunda waukulu. Izi zidzakulolani kuti muzitha kusonkhanitsa ndalama patapita kanthawi.
Mutha kugwiritsa ntchito ndalama pa suti yatsopano kapena foni yapamwamba - kuti mukwaniritse "positi". Kuwonongeka kotereku kumakhala kwanzeru: kulimbitsa kutchuka kwanu, kukhazikitsa maziko opititsa patsogolo ntchito, kupita ku maziko othandiza kapena kuthandiza abwenzi ndi achibale omwe akusowa thandizo lachuma.
Onetsetsani mosamala kuti ali ndi mphamvu. Musasonyeze zomwe mwakhala olemera. Musagule gulu la "udindo" zinthu. Kuchokera pakuwona momwe ntchito ikugwiritsidwira ntchito, iwo sali abwino kuposa wamba, okwera mtengo kwambiri.
Musasinthe mu ubale ndi ena. Yamikirani anzanu. Aliyense amadziwa kuti ndalama zimawononga khalidwe la anthu. Musaganize za inu mwanjira imeneyo. Musatenge ngongole zatsopano popanda kulipira. Zikuwoneka kuti tsopano mukhoza kubwezera ngongole iliyonse, koma zosavuta zikhoza kunamiza - n'zosavuta kuwerengera ndalama zanu.
Musagwiritse ntchito ndalama zanu mwakamodzi. Sungani ndalama. Nthawi zonse lembani zonse zomwe mumagula, ndipo nthawi ndi nthawi muziwerenganso zolemba zanu - izi zidzakuthandizani kuzindikira zomwe zikuwonongeka. Kuchokera kwa iwo mtsogolomu mungakane.
Kusunga ndi ubwino wathanzi
Kodi mavuto a zachuma padziko lonse ndi ati, ambiri adziphunzira okha: wina adadulidwa malipiro ake, wina - ngakhale atathamangitsidwa. Ndikofunika kuchepetsa ndalama - tidzatha kuzindikira momwe tingachitire.
Ndilowetsedwe kwatsopano pa bajeti ya banja, sankhani nthawi yomwe muyenera kuwonjezera ndalamazi. Choyamba, ndalama ziyenera kupita ku zofunika kwambiri: chakudya, lendi, malipiro a ngongole. Pewani kugula zovala zatsopano, pitani kanyumba zokongola, matikiti okwera mtengo, kupita ku mafilimu ndi zina zotero - zedi muli ndi zinthu zina zomwe simungakwanitse. Pezani bukhu lolembera komwe mukulemba chilichonse chowonongeka. Chizoloŵezichi chidzakuthandizani kusunga mpaka 30% ya malipiro anu!
Musagule zinthu pa ngongole. Ndizosamvetsetseka ngati simudziwa zomwe mudzapeza mu sabata kapena mwezi.
Ndi bwino kubwezeretsa kugula . Mwa njira, kudula ndalama, musadwale - musakhale pa mkate ndi madzi. Mukhoza kusunga zinthu zomwe zimapindula ndi thanzi labwino: zakudya zokoma zosakaniza, zakudya zamtengo wapatali za soseji, confectionery, maswiti ena, mowa ndi mizimu ina. Fufuzani ntchito yabwino muzipadera, koma musataye mwayi uliwonse wopeza ndalama zowonjezera. Pogwiritsa ntchito nthawi yaulere, pakalipano mungathe kuchita zomwe zasokonezedwa kwa nthawi yaitali: kusokoneza zinthu muchitetezo, kusonyeza mwana kwa dotolo wapadera, kukachezera achibale.
Kambiranani ndi ana , afotokozereni zomwe zovutazo ndi chifukwa chake muyenera kusunga. Kambiranani zomwe zikuchitika panopa pabungwe la banja: takhala ndi mayesero a moyo, ndipo tikuganiza kusiya chinachake tsopano. Mwinamwake, ana adzamvera mawu anu.
Ndipo musamawoneke kuti muli okhumudwa kwambiri pazochitikazo! Khulupirirani, mulimonsemo mungapeze chinachake chosangalatsa. Musaiwale za zina zonse: kumbukirani, mwachitsanzo, mabuku omwe nthawizonse munalibe nthawi.
Nkhani zitatu zachuma
Maitanidwe apadziko lonse: poika pulogalamu ya Skype pa kompyuta yanu, mukhoza kulankhula ndi achibale kunja ndikulipira pa intaneti.
Kulankhulana kwa pafoni: kufufuza mosamala ndalama zatsopano za wogulitsa. Mwinamwake mwambo wanu wakale wamtengo "umadya" zochuluka kuposa momwe mungagwiritsire ntchito, kusintha kwa latsopano.
Mpumulo: mutatha nthawi yofufuza malo osungirako nyumba kapena malo osabwereka ochita lendi, mumagwiritsa ntchito ndalama zambiri kuposa ku hotelo.