Mmene mungakopekere ndalama ndi momwe mungaphunzire kusunga ndalama

Pamene nyengo ya chilimwe ikuyandikila, pomwe mumagonjetsedwa ndi malingaliro, kumene mungakhale ndi tchuthi chabwino. Koma kusankha kwa dziko si vuto, ndipo mtengo wa ulendo wachilendo ukhoza kuwona. Koma ichi si chifukwa chokanirira ulendo wautali woyembekezera kunja. M'nkhani yakuti "Mmene mungakopekere ndalama komanso momwe mungaphunzirire kusunga ndalama" tidzakuuzani momwe mungapangire tchuthi mtengo wotsika ndikukupatsani malingaliro a momwe mungaphunzire kusunga ndalama.

Pamene tikuyenda, timapeza dziko lapansi, ndipo ndi chiyani kuposa kuyenda? Kuti muwone zochitika zazikulu ndikupita kuzungulira iwo pa basi yaikulu, onani kuwala kwa dzuwa kwinakwake ndikuwuluka, kuyamikira mapiri ndi mafunde a nyanja. Ndipo ambiri aife, ngati tinali ndi mwayi woterewu, tikhoza kuyenda mochuluka. Koma panthawi imodzimodziyo timalephera ndi ndalama, tifunikira kudziwa zinsinsi, momwe tingachepetsere mtengo wa ulendo kuti iwo athe kupezeka kwa anthu.

Gulani ulendo.
Tiyerekeze kuti mukufuna kugula phukusi la maulendo a alendo, kuti gulu loyenda mumasankha liyenera kusamalira chilichonse. Izi ndi zabwino kwa iwo amene amayenda ndi ana, kapena ngati simunayambe ulendo wodziwa zambiri.

Pali njira ziwiri zochepetsera mtengo wa phukusi lazinthu:
1. Musanayambe bukhu mukamagula ulendo mu miyezi ingapo. Njira iyi si yabwino kwambiri, panthawi ino, zambiri zingatheke, ndipo simungathe kupita. Ndipo pafupi tsikulo, ndalama zochepa zomwe mudzabwerere. Ndipo m'mikhalidwe yotereyi, pamene makampani ambiri okaona malo atsekedwa, ndizoopsa kuti tipeze pasadakhale. Ndipo kusiya ntchitoyi sikofunika. Ndipotu, mukakonzekera matikiti pasadakhale, mungasankhe ndege yoyenera, hotelo yoyenera pamtengo wotsika mtengo.

2. Mukamagula ulendo woyaka. Izi zidzakopeka kuti mutha kugula ulendo kawirikawiri wotchipa kusiyana ndi mtengo wamba. Idzagwirizana ndi anthu omwe angathe kusonkhana, ndipo tsiku lotsatira adzawuluka.

Malamulo kwa mafani a "maulendo oyaka moto."
- Musanayambe ulendo, muyenera kudziwa zochitikazo ndikudziƔa mabungwe, malo omwe amagulitsa maulendo oyaka moto, chifukwa malingaliro oterowo mu "nyengo" amatha maola angapo chabe.

- khalani okonzeka kugula nthawi yomweyo, kuti zikalata ndi ndalama zili pafupi. Ngati mukufuna kupita kudziko lapafupi, muyenera kupeza visa, payenera kukhala ndi kalata yochokera ku akaunti ya banki, chotsitsa kuchokera ku bukhuli, malinga ndi zofunikira za dzikoli.

Mukhoza kugula ulendo pa "Fortune" system, pamene mumalipira zochepa pa ulendo, koma mudzapeza ndondomeko yoyenera pakubwera. Monga amalendo odziwa bwino, ngati mndandanda wa mahoteli okhala ndi nyenyezi 2 kapena 3, ndiye nyenyezi ziwiri ku Costa Bravo zidzakhala zabwino kwambiri kuposa nyenyezi zitatu ku Turkey. Fortune ndi yabwino kwa kampani yosangalatsa kapena ophunzira. Ngati mudya ndi ana aang'ono, Fortune si anu. Ndi bwino kulipira zina zambiri, kuti musamve phokoso la disco m'zenera zanu, kapena khonde silikutulukira kumatope, koma kugombe.

Dulani matikiti.
Tiyerekeze kuti mukudziwa kale komwe mungapeze matikiti otchipa, otchipa kusiyana ndi mabungwe oyendayenda. Kenaka mumapanga gawo la ulendo, mwachitsanzo hotelo ndi kuchoka ku eyapoti ndi ku hotelo, kugula matikiti nokha. Koma sizingatheke kugula matikiti pa nthawi yoyenera ndi tsiku. Osati makampani onse angathe kugulitsa maulendo popanda matikiti, koma makampani ambiri angagulitse matikiti popanda maulendo. Ndizabwino kwa iwo omwe akuuluka mosalekeza, charter kuthawa kwambiri. Airlines samagulitsa matikiti mwachindunji ndege. Koma chiphaso chosayimitsa chida chingagulidwe mu kampani yoyendayenda.

Tatiketi zotsika mtengo zingagulidwe m'njira zingapo:
- Kulemba pasadakhale, pafupi ndi tsiku loti achoke, tikiti idzagula mtengo,

- gulani malonda apadera, makampani ambiri amapititsa patsogolo nthawi, zomwe mitengo ya madera ena imachepetsedwa. Mungathe kuuluka ku Africa kwa 250, ndipo mukhoza kuthawira ku Ulaya kwa 90 euro zokha. Fufuzani zopereka zapadera zingakhale pa webusaiti ya ndege.

Mabomba ambiri amalonda amawagulitsa kwa anthu omwe sanakwanitse zaka 24, matikiti ndi otchipa.

- Mukhoza kugula ndege ya bajeti, matikiti ali otchipa kusiyana ndi ndege zodziƔika bwino za Aeroflot, Lufthansa ndi ena. Zimangopereka chitonthozo chochepa pandege.

- Anthu omwe akuyenda nsomba zofiira sizinali zofunika, koma ndizotheka kuti aziwulukira kumalo omwe akupita, ndege zoterezi zimakonda. Akuuluka padziko lonse, mwachitsanzo, tumizani mawebusaiti a ndege zoterezi pa intaneti.

- matikiti ogula, ndi ndege za dziko limene mukupita. Ndipo ngati mungalankhule momveka bwino, ngati mutulukira ku Hungary, onani mawebusaiti a ndege ku Hungary.

Ngati mutuluka ndi kusintha, ndiye kuti mutsika mtengo kuchokera ku makampani awiri. Tiyerekeze kuti mukuuluka ku Africa kapena ku India. Asanafike ku Ulaya, mukhoza kuthawa pampando wapadera wa kampani ya ku Ulaya, ndikusintha ku Indian kapena African. Pali matikiti otsika mtengo, poyerekeza ndi mitengo ya makampani a ku Ulaya.

Koma omwe akuuluka ndi ndege imodzi, koma ndi kusintha, amakhala ndi mwayi, osati onse omwe amadziwa za izo. Utumiki wotsatira ukuperekedwa: ngati nthawi pakati pa ndege ndi usiku, ndiye kampani ikupatseni hotelo, komanso chakudya cham'mawa ndi kuchoka ku hotelo kupita ku eyapoti pachabe.

Kuyendetsa ndege ndi nthawi yaitali kuyembekezera kuyembekezera kuthawa kwanu, kudutsa nthawi, mukhoza kuwona mzindawo ndipo zonsezi zidzakhala phindu la kampaniyo. Ntchitoyi imaperekedwa kwa inu ndi "Turkish Airlines".

Mukamagula matikiti otchipa, onani makampani a webusaitiyi, komwe mitengo imasiyana ndi mitengo. Ndipo, kwambiri mpaka 40% kwabwino. Mu ofesi ya tikiti mumagula matikiti otsika mtengo kusiyana ndi olembedwa pa webusaitiyi. Musaiwale kufotokozera pafoni kapena payekha pamene mukugula.

Accommodation.
Ngati mungapeze zambiri zomwe mukufuna, mukhoza kupeza malo anu okhala.

Malo.
Ndibwino kuti muwerenge ma hotelo pasadakhale kuti musakhale panja pa nyengo, kapena kuti mukakhale mu chipinda chamtengo wapatali. Ndipotu, cholinga chanu ndichopangitsa ulendowo kukhala wotsika mtengo. Ndili ndi dikishonale, ngati Chingerezi ndi choipa ndikuyang'ana hotelo. Timalemba, titsimikizirani ndikupeza mahotela angapo pafupi, zikhale ngati zili choncho.

Kodi mungapeze bwanji mahotela? Mukhoza kufufuza pa intaneti pa makampani oyendayenda, mupeze hotelo ndikuiwerenga mwachindunji. Pa zosungirako zina, pali kuchoka kwaulere kuchokera ku eyapoti kupita ku hotelo.

Njira ina kupita ku hotela.
1. Malo ogula mtengo, awa ndi ma hostele. Amakondedwa ndi oyendayenda achinyamata padziko lonse lapansi, uwu ndiwo mtundu wa alendo ogwira ntchito. Kwa ndalama pang'ono kuchokera ku ma euro 7, mudzapeza malo abwino kwambiri oti muzigona usiku wonse. Mungathe kulemba malo ku hostel kudzera pa intaneti.

2. Pali njira yotereyi - kulandira alendo. Pali malo ambiri omwe anthu amawalembera ndi kuwauza kuti angathe kulandira anthu ena, muzinthu zina, kwaulere. Inde, pali ngozi. Ambiri mwa omwe alembetsa ndi achinyamata omwe akufuna kuwona dzikoli. Mawebusaiti amenewa amadziwika kwambiri pa intaneti. Pa tsamba lililonseli, kuchokera ku Russia kokha, anthu zikwi zingapo analembetsedwa.

Musanayende, funani zambiri zokhudza dziko lino. Kodi ndi zofunikira ziti zomwe muyenera kuchita, ndalama ndi ndalama zotani. Pangani zojambula za zolemba zanu zonse ndikuzisunga nokha. Ikani zoyambirira mu hotelo yotetezeka.

Musatenge zodzikongoletsera zokwera ndi inu. Muyenera kusunga ndalama zambiri pa khadi, ndibwino kuti mutayike chidwi pa banki kuposa ndalama zonse.

Musaiwale kukonzekera inshuwalansi ya zachipatala, ziyenera kutsegula mfundo zonse zosinthana, ngati mutulukira ndege yosalunjika ndi dziko la mpumulo. Ziri zotsika mtengo, koma zofunikira kwambiri kwa woyenda.

Sungani mafoni a ku Russia ndi a ku Russia anu. Muyenera kudziwa manambala a foni ndi apolisi.

Malangizo omwe angakope ndalama ndikuphunzira momwe mungasunge ndalama

1. Kwa ndalama zomwe mumazikonda kuti muzikhala panyumba panu, patsiku la malipiro ndalama zonse ziyenera kukhala panyumba kuti muzigona usiku.
2. Ena amalangiza pa chaka kuti azikhala ndi ndalama zambiri, zomwe, zikapatsidwa mphamvu, zidzakopeka ndalama zina.
3. Sipadzakhala ndalama ngati nyenyeswa zikuchotsedwa patebulo ndi dzanja, kulira malipoti m'nyumba.
4. Musamabwereke mchere ndi shuga kwa mnzako, nyumba yanu ikhoza kusiya chuma.
5. Kukhala ndi ndalama mnyumba, muyenera kuika nsonga pansi.
Lachitatu masana, ndi bwino kupempha kuwonjezeka kwa malipiro.
7. Yesetsani kubwereka ndalama Lolemba, ndipo musabwereke Lachiwiri, musabwezere ngongole Lachisanu.
8. Ndikofunika kubwereketsa ndalama ndi kupereka ndalama m'mawa, chifukwa zochita zonse ndi ndalama madzulo zimabweretsa mavuto.
9. Yesetsani kubwereka, koma m'malo mokongola, mukukonzekera ndalama, kotero kuti abwerere kwa inu.
10. Yesani kuonetsetsa kuti chikwama chanu sichitha kanthu, ngakhale chikugona, ngakhale ndalama imodzi.

Kugwiritsa ntchito malangizo awa, simungatayike konse ndalama zanu, koma mungathe kudziyesa nokha. Motero, mudzatha kusunga ndalama zokwanira kuti mupite ku tchuthi chaka chamawa.

Tinakuuzani momwe mungakopekerere nokha ndalama komanso momwe mungaphunzirire kusunga ndalama mukakhala kutchuthi, tikuyembekeza kuti mukufuna malangizo athu ndipo muwagwiritse ntchito.

Sangalalani ndi tchuthi!