Bwanji ngati pali woyang'anira mu tramu, ndipo mulibe tikiti, ndipo mwaiwala thumba la ndalama? Nanga bwanji ngati ngongole zomwe zili pakhomo chifukwa cha zinazake, zovuta kwambiri, zosafunika kapena zowawa komanso zopanda malipiro ndikuganiza za tsogolo la makhadi m'mabuku?
Bwanji ngati, mutadya chakudya chamasana mu cafe, mwadzidzidzi mukuzindikira kuti simunawerengere mphamvu zanu zachuma? Kodi mungagonjetse bwanji mantha a makadi apulasitiki? Nanga bwanji ngati "mutengapo mbali" mu maphunziro, kodi mukuzindikira kuti mulibe njira yoti muthe kulipira semester yotsatira?
Kuwopa mantha
Chinthu choyamba muyenera kukumbukira pamene mulibe ndalama poyendetsa anthu ndi ufulu wanu. Kuphwanya malamulo omwe amagwiritsidwa ntchito poyendetsa galimoto kumaphatikizapo udindo woyang'anira. Komabe, woweruzayo alibe ufulu wofuna kubweza ngongole m'basi kapena tram, amaloledwa kulemba kalata yobwezera ku banki, ndipo akhoza kukupemphani kuti mutuluke. Tumizani wachigawenga kwa apolisi amene akuyimira kampani yonyamula katundu ali ndi ufulu pokhapokha ngati kugonjetsa kuli koopsa. Mbali ina ya vuto si nthawi zonse khalidwe loyenera la olamulira. Kusungulumwa komanso kupsinjika maganizo kudzakuthandizani kukhala ndi ulemu.
Chilichonse ndi chokwera mtengo!
Ngati akaunti yodyerako ili ndi zeros ndipo iposa ndalama zomwe zilipo (chabwino, mutangotenga ndalama, mumayang'anapo, kapena mumayiwala kuti mulibe ndalama zambiri mu chikwama chanu), mungayese kukambirana ndi abwana odyera chakudya kapena cafe. Fotokozerani mkhalidwe wanu kwa iye ndikuitana mwamuna kapena chibwenzi chanu ndikufunseni kuti akupatseni ndalama zosowa. Ngati izi sizingatheke, pemphani kuchoka ngati mphete zodzikondweretsa, chilolezo cha dalaivala (koma pasipoti) ndikupita kwa ndalama. Kuphatikizanso, maiko ambiri amatha kubweza ngongole yawo, mwachitsanzo, kutsuka mbale kapena kuyeretsa m'khitchini.
Loyera
Kuiwala thumba la ndalama ndikupita mu bus hare akhoza aliyense (pakadali pano ndibwino kuti afotokoze mofulumira mkhalidwe wa dalaivala), ndipo palibe cholakwika ndi zimenezo. Koma kulandira ngongole popanda chofunikira cholipira kulipira - osati lingaliro labwino. Njira yabwino yothetsera mantha azachuma ndikuphunzira momwe mungagwiritsire ntchito bajeti (kuwerengera ndalama zanu komanso ndalama zanu), muzikhala ndi zolinga zachuma (kuti mukamalize maphunziro awo, pitani ku tchuthi, kugula galimoto) ndi kuwagwiritsa ntchito pogwiritsa ntchito zipangizo zina (deposits, etc.).
Pulasitiki m'malo mwa ndalama
Makhadi athu akhala akupezeka m'mabotolo athu. Komabe, nyuzipepala ndi magazini ali odzaza ndi mauthenga onena za achinyengo omwe amawononga ndalama pang'onopang'ono pa kompyuta. Zonse zabodzazi (mwachiwonekere zowonjezereka) zimapangitsa kuti tiwope makadi apulasitiki ndipo pa tsiku la malipiro timachotsa ndalama zonse. Kuti musinthe moyo wanu, mugwiritseni ntchito zonse za banki, zokonzedwa kuti muteteze akaunti kuti musamang'onong'onong'ono: gwiritsani ntchito dongosolo lodziwitsidwa mwamsanga ndi imelo kapena ma SMS. Nthawi zonse muzikhala ndi khadi la bizinesi ndi foni ya khadi lachidziwitso, mutsimikizire akaunti yanu, pezani khadi lapadera la zochitika pa intaneti, kumbukirani khodi la pini ndipo osasungiranso chizindikiro cha makina ndi magetsi pamalo amodzi. Pambuyo pazinthu zotetezera zoterezi, simumasowa.
Nkhani ya nyumba
Zotsatira za ngongole yogula ngongole zingakhale zosiyana. Chinthu choyamba chimene mungapereke chilango chifukwa chosalipira. Kuwonjezera apo, konzekerani mafoni omaliza-zikumbutso. Komabe, ngati zili ndi ngongole zazikulu, mlanduwu ukhozanso kukwanitsa kuchotsedwa kapena kusonkhanitsa ndalama kudzera m'khoti. Choncho, makamaka anthu ogona nyumba omwe ali pansi pa mgwirizano wawo akuyembekezera malo okhalamo okhala ndi malo ang'onoang'ono (mwachitsanzo, m'chipinda chimodzi m'nyumba kapena nyumba yosungiramo nyumba), ndipo eni eni akuyesedwa kuti apeze katundu ndi kugulitsa ngongole. Zimayendetsedwa ndi ndime 83, 84, komanso zinalembedwa mu chaputala VII cha Code Housing ya Russian Federation. Koma ndi bwino kukumbukira kuti izi zimayamba kugwira ntchito pambuyo pa miyezi isanu ndi umodzi yokhazikika mwatsatanetsatane madandaulo omwe amapereka. Gwirizanani, miyezi isanu ndi umodzi - nthawi yokwanira yokonza vutoli.
Musakhalebe diploma
Maphunziro amapindula kwambiri, choncho kuopera kukhala opanda diploma, ngati mwadzidzidzi ndalama za m'banja sizidzasintha. Kodi n'chiyani chikuchititsa manthawa? Kodi ndi ndalama zenizeni kapena kungokhala kudzilungamitsa kwa ulesi (wosauka kugwira ntchito kuti azilipira maphunziro)? "Njirayo idzadziwa bwino kupita!" Kuwonjezera apo, mabanki ali okonzeka kuthandiza ndi kupereka ngongole ya maphunziro. Chidziwitso chake ndi chakuti ndalama zimasunthidwa mwachindunji ku bungwe kapena yunivesite ndi bungwe la zachuma, ndipo wophunzira amapereka ngongole atalandira diploma. Kotero mwayi wokhalabe ignoros umachepetsedwa, ndipo cholinga chophunzira bwino ndikupeza ntchito yabwino kumangowonjezera.