Kodi mungasunge bwanji bajeti? Vuto la padziko lonse la mabanja ambiri sapereka mpumulo ndi moyo wamba. Chikondi chimayamba kusokoneza moyo ndi kusowa ndalama. Tiyeni tiyang'ane pa vuto ili lovuta pamodzi. Poyamba tidzatha kumvetsetsa: kuchokera pa bajeti ya banja?
Mwachibadwa, zigawo zikuluzikulu za bajeti ndizopindula ndi ndalama za banja lino. Zomwe ndalamazo zimapangidwira, zikuwonekera kuyambira pachiyambi kuti izi ndi malipiro, kuphatikizapo ndalama zina. Ndipo ndi zotani? Mungathe kukhala ndi zolembera zomwe mudzalembere ndalama zomwe mumagwiritsa ntchito banja lanu kwa mwezi, patatha mwezi umodzi, pendani ndalama zanu zonse ndikuzifufuza. N'zotheka kupeza ndalama zosafunikira ku mndandandawu. Kaŵirikaŵiri, maanja ang'ono omwe sanaphunzire kukhala okha amathera ndalama zambiri pazinthu zosafunikira ndi zosangalatsa. Choncho, ndalama zawo zimathera pa liwiro la kuwala.
Kuti mupulumutse bajeti, mukhoza kuphunzira kuchita zonse nokha. Kwa mwamuna wanga - kukonzanso zipangizo zapakhomo, kutsogolera zogwirira ntchito, kukonzanso m'nyumba, etc. Kukweka, kugwirana, kukonzekera chakudya kuchokera ku zakudya zowonongeka, ndi zina zotero. Izi zidzakuthandizani kuchepetsa ndalama zosafunikira, ndikupitirizabe malipiro zosangalatsa zanu. Kusunga zinthu zothandiza. Onani momwe mumagwiritsira ntchito magetsi. Ngati simukufunikira, musatseke microwave, ketulo lamagetsi, kutsuka, ndipo musasiye makompyuta pamtundu woyima. Pamadzi ndi zofunika kuyika makalata, kotero kuti mumachotsedwa ndi makalata.
Mukasanthula ndalama zanu zenizeni mkati mwa mwezi, konzani ndalama zanu mwezi wotsatira, mwa kunyalanyaza ndalama zomwe simukufunikira kuzigwiritsa ntchito. Chakudya chachikulu ndi bwino kugula kamodzi pa mwezi ndi mndandanda wokonzedweratu kuti musakhale ndi chikhumbo chogula chinthu chosafunikira mu sitolo. Zina zonse zogula zakudya zingagulidwe mkati mwa mwezi, koma musanapite ku sitolo musatenge ndalama zanu zonse, koma gawo lomwe mukufuna kugula mankhwalawa.
Kawirikawiri mabanja achichepere amapanga "dzenje" losayerekezeka pa bajeti ya banja lawo pogwiritsa ntchito ngongole. Iwo amamatira kwambiri mu makina operewera otchedwa ngongole. Musanayambe kuchitapo kanthu kofunikira, kugula zofunika kuti mugulitse kwambiri. Ganizirani kachiwiri, ngati kuli kofunika kwa inu pa gawo ili la moyo, ndi momwe mudzalilipira, kaya muli ndi ndalama zokwanira. Chifukwa chiyani mukusowa malo oimba ngati muli ndi kompyuta yatsopano? N'chifukwa chiyani mumagula TV yamasentimita 100, ngati mutapatsidwa TV yabwino pa ukwatiwo? Zonsezi ndi zabwino pamene mungakwanitse komanso bajeti yanu siinayambe kuphulika pamalopo.
Akuluakulu azachuma ayamba kuwerengera bajeti yawo. Tangoganizirani kuti mudzabwezetsa ma ruble 10 tsiku lililonse, zomwe mumagwiritsa ntchito pachabe. Muli ndi chaka chomwe chidzasungunula ma ruble 3650, ndalamazi zomwe mungagule chinthu china kwa banja. Ndipo ngati mutasiya zambiri, musawononge, izi zidzakupangitsani bajeti yanu.
Pereka ndalama pa envelopes. Envelopu 1 - zothandiza; 2 envelopu - kuphunzira; Envelopu 3 - matikiti; Envelopu 4 - zakudya zopangira chakudya (mwezi woyamba mungathe kuyerekeza mtengo wa mankhwala); Envelopu - kulipira ngongole; Envelopu - zogulitsa katundu; Envelopu - zosangalatsa; 8 envelopu - kwa tsiku lamvula (ngakhale, iwe umakhala pansi ndi ma ruble 10 okha otsala). Kukhala ndi ulamuliro wolimba kwambiri pa zomwe mumapeza ndi ndalama. Mudzaphunzira kuyang'anira bajeti yanu. Ndipo m'chilimwe mukhoza kupita kutchuthi popanda kufooketsa.