Kuti tipeze ndalama kuchokera ku bajeti ya banja tiyenera kutsogoleredwa ndi zizindikiro zosiyana. Choyamba, nkofunika kumvetsa kuti bajeti yanu ya banja ikukonzedweratu kuti mudzagule ndalama zambiri, komanso kugula chinthu mu sitolo chomwe "chingabwere" ndi zonyansa zosayenera komanso zomwe muyenera kuzipewa. Ngakhalenso katunduyo atagulidwa potsatsa, kwa magawo ndi malonda ena amalonda, izi zimaonedwa kuti ndizowonongeka. Kuwonjezera apo, kuti munagwiritsa ntchito ndalama zomwe zingakuthandizeni kwa chinthu china chothandiza, mumataya nyumba yanu ndi zinthu zosafunikira. Kodi mukuganiza kuti izi sizikukuchitikirani? Ndipo Nuka atsegule nyumba iliyonse kunyumba kwanu. Kodi chinthu choyamba chimene chimakuyang'anirani ndi chiyani? Ndiko kulondola, nyamayi ya nyama yomwe munagula chaka chatha, chomwe simunachigwiritse ntchito, chifukwa, mumagula nyama yamchere. Koma, pa nthawi yogula, munali otsimikiza kuti mudzagwiritsa ntchito. Choncho, pafupifupi 40 peresenti ya zomwe mumagula ndi zopanda pake, zomwe zimagwiritsidwa ntchito kamodzi, komanso zina zonse - zimakhala ngati zinyalala m'makabati.
Kotero, momwe mungasungire ndalama pa bajeti ya banja? Ndikofunika kugula zokhazokha. Ngati mufuna kugula zovala, onetsetsani kuti mukuyang'ana maonekedwe ake. Ngati mukuwona kuti ndizomwe zimagwirira ntchito, ndiye kuti ndibwino kupititsa patsogolo kugula, chifukwa chinthucho chidzawonongeka mwamsanga, ndipo chidzawonongeka. Sankhani zokhazokha zachilengedwe, zimatumikira nthawi yaitali, zotetezeka thupi lathu. Zinthu zamtengo wapatali sizingapangidwe kuchokera kuzinthu zamtengo wapatali komanso zachilengedwe zomwe zimakhala zochezeka, momwe zimakhalira, mwinamwake, zopangira zolowera, zomwe zimavulaza ndipo mwamsanga zimatayika maonekedwe awo oyambirira. Chifukwa chake, mumangotaya ndalama mumlengalenga. Kuonjezerapo, kuti tipeze ndalama kuchokera ku bajeti ya banja, ndi bwino kukambilana zambili kugula kwakukulu ndi chikhumbo cha mamembala kuti akhale ndi chinachake. Choncho, ngati mumagula njinga kwa mwana wamkulu, wamng'ono ayenera kudziwa kuti mwezi wotsatira, mudzamugulira chidole cholonjezedwa. Kotero, sipadzakhala mikangano, kukwiya, kusamvetsetsana ndi nthawi zina zosasangalatsa zokhudzana ndi kupulumutsa bajeti ya banja.
Musanayambe kugula, muyenera kulingalira mtengo wa chinthucho malinga ndi malipiro anu. Kugula sikuyenera kukhala peresenti yokwana 50% ya ndalama zanu zonse za mwezi. Kotero, mwachitsanzo, kavalidwe kameneka kamakhala kopanda phindu sizingakhale zopulumutsa ngati ndalama zanu zapakhomo sizingapitirire kuchuluka kwa magulu 15,000. kugula koteroko kungawonedwe kuti ndizovuta kwambiri. Komanso, simukusowa kanthu. Simungapite kukavala zovala za madzulo, kuchoka kapena kuchotsa mwanayo kusukulu. Ndi bwino kuganizira cholinga cha chinthu chomwe mukugula.
N'chimodzimodzinso ndi mautumiki apakompyuta. Kutsatsa kumayenda ndi lonjezo la zomwe mumapulumutsa ndi chinyengo chophweka. Musamalankhule ndi mwamuna wanu kwa mphindi zitatu, mmalo mwachizoloŵezi, chifukwa ndi "otchipa". Ngati mutakhala pansi ndikuwerenga, mudzawona kuti palibe chopulumutsa, koma, mwinamwake, kumapeto kwa mweziwo mudzayenera kulipira mopitirira malire oyenera. Ndipo chifukwa chakuti munamvera malonda ndi kupulumutsidwa mwanjira iyi.
Pali mawu akuti: Sindinagule kwambiri kugula zinthu zotchipa. Chilankhulo chodziwika kwambiri. Tikawona chikwangwani m'sitolo "zonse 10 .. 50 ... 100", timangokhalira kupita kudengu. Koma, tifunika kuyang'anitsitsa, pamene zikuwonekeratu kuti zinthu zomwe zimaperekedwa pa mtengo wotere sizinthu zapamwamba, ndipo mwachiwonekere, zimakhala zochepa kwambiri. Choncho, kugula chinthu chotsika mtengo kwa ruble 50. amaonedwa kuti ndi zosokoneza zosayenera, chifukwa, chinthucho chidzawonongeka mu sabata. Koma, chifukwa cha mtengo wotere, mungathe kugula imodzi? Inde, nanga bwanji mwambiwu kumayambiriro kwa ndimeyi? N'zachidziwikire kuti pamene tigula, tikuyesera kusunga ndalama, koma pogula katundu wotsika mtengo, sitisunga ndalama, koma ndikuwononga ndalama pachabe. Choncho, mtengo wotsika sayenera kukhala chomwe chimapangitsa kugula.
Bwanji za katundu amene amagulitsidwa patsiku? Kodi mungasunge bwanji ndalama pa bajetiyi? Choyamba, ndizofunikira kumvetsetsa kuti mu izi, sitolo imalandira kumbuyo. Chimene chimawonjezeka chifukwa cha zomwe amalengeza pa ogula, kuwonjezera maganizo ndi chikhumbo chogula. Munthu aliyense amapatsidwa mutu osati kungoti azivala tsitsi lokongola, ndipo pali, komanso kuti aganizire. Ndicho chifukwa chake, nthawi yabwino, yogula, kutsogoleredwa ndi mutu wa munthu, m'malo mofalitsa mapepala, zolemba zotsutsa ndi mtengo wotsika. Anthu ambiri samafuna kuwerengera ndalama zawo. Amagwiritsa ntchito pachabe, osawerengera ndalama zawo komanso ndalama zawo. Panthaŵi imodzimodziyo, nthawi zonse amatha kukambirana za kulemera kwa oyandikana nawo, kusonyeza nyenyezi zamalonda ndi ndale. Ambiri mwa anthuwa ndi otsimikiza kuti malipiro a masewera ndi azandale ndi opambana, ali ndi nsanje pamtima ndikuganiza kuti ali ndi mwayi.
Kuchuluka kwa malonda, nkhani zowonongeka ndi magazini, momwe deta imasindikizidwa ndi yemwe ndi anthu angati omwe ali olemera omwe akhala akugwiritsidwa ntchito chaka chatha, amachititsa chidwi pakati pa anthu wamba omwe alibe chidziwitso chawo. Ndi omwe amalandira ndalama zazing'ono, okonda kuwerenga ndalama za anthu ena. Pambuyo pake, kodi mumabwera bwanji panthawi yogwirira ntchito tsiku lililonse ngati munthu wodala, ndipo wina amangosamba pamamiliyoni. Ndipo sikokwanira, ndi ndani mwa anthu awa amene akufika ku lingaliro lakuti, kuti akwaniritse chuma, munthu amayesa, amagwira ntchito, akufuna, mwinamwake kuposa iwe mwini. Sipadzakhala chisangalalo muzochita za anthu ena, chuma chawo. Koma, ayi, mwamunayo akukonzekera kuti posachedwa ayambe kuchitira nsanje ndi kukwiyitsa, kuposa kukhala wokondwa ndi wina. Ndiyenera kunena kuti sizing'onozing'ono zomwe zimagwira anthu oyambirira mamiliyoni ambiri kuchokera kwa anthu otchuka omwe ankasewera ndi ndalama zosungira bajeti. Ndipo, ngakhale pamene chuma cha m'banja chimakonzedwa, anthu akupitiriza kupulumutsa.
Kubwereranso ku chakuti ambiri a ife sitikudziwa momwe angawerengere ndalama zawo, ine ndikufuna kunena izo, ndithudi, ndi aliyense kusankha: kuwerengera kapena ayi. Koma, pali mfundo inayake yomwe nkhaniyi ikukhudzidwa. Ndipo kodi mumadziwa kuti mawu akuti "umphawi" amachokera ku verebu "musamvetse"? chifukwa ngati munthu sakudziwa momwe angawerengere ndalama lero, ndiye kuti mawa sadzakhala nawo, chifukwa sakusowa, chifukwa sakuwaganizira! Munthu samasangalala ndi ndondomeko yowerengera ndalama, ndalama zokha, komanso zomwe angapereke. Ndondomeko ya kuwerengera ndalama mosadziŵa imapanga kumverera kuti pali ndalama ndipo pali zambiri mwazo. Ndipo kupezeka kwa ndalama kumabweretsa mfundo yakuti amakula kwambiri. Kodi mukudziwa mawu otchuka akuti: ndalama kwa ndalama? Muyenera kuyamba kukhulupirira kuti ndalama ndizofunika kwa inu, zosangalatsa komanso zothandiza. Ndiye, mudzayamba kuwoneka ndalama. Mukamaganizira za ndalama, zikutanthauza kuti mumawalamulira, muziwalamulira. Izi ndizo, mumagwiritsa ntchito bwino ndalama zanu kuti muwonjezere. Akafunsidwa chifukwa chake anthu sakonda ndalama, ambirife timakonda kusiya yankho. "Ndipo kuti amakonda, ngati ali ochepa. Nchifukwa chiyani amawawerengera? Kukhumudwa? "Mizu ya njira yolakwika! Zikuwoneka kuti poti mulibe kapena mulibe ndalama, muyenera kudziimba mlandu nokha. Palibe yemwe ali ndi mlandu pa izi. Koma, ambiri amtundu wathu, amatha kutsutsa boma lathu pa izi. Okondedwa, ngati mulibe ndalama zanu, palibe amene ali ndi mlandu, kuphatikizapo boma. Ngati mutaya ndalama, mugulitse zinthu zopanda phindu m'misika ndi malonda, ndiye simungathe kukhala ndi ndalama zokwanira kuti mukhale ndi maganizo omveka bwino m'dzikoli. Ndicho chifukwa chake ndikofunikira kudziwa momwe mungasungire ndalama pa bajeti ya banja.
Kotero, ngati mulibe ndalama, muyenera kuvomereza nokha kuti ndi inu nokha amene mulibe mlandu. Ndikofunika kukhala pansi ndi kuganizira zoyenera kuchita. Pangani ndondomekoyi ndikuyikwaniritsa bwino. Koma, mwachizolowezi, osati izi. Imeneyi imakhala mu khitchini, ndiye mwanayo amabweretsa chisamaliro kuchokera kusukulu, ndiye pa TV akuwonetseratu kusuntha kosangalatsa. Kodi mungasankhe bwanji nthawi yopanga ndondomeko yamalonda? Sindikuganiza. Komanso kwa ambiri, chifukwa chabwino ndi ulesi, chiyembekezo kwa makolo, mwamuna, "mwina" ndi zina zotero. Ndipo mwadzidzidzi, muli ndi bajeti ya banja lanu idzakhala mabomba 10,000. Ndiye, sipadzakhala mavuto. Ndipo amachokera kuti? Pano pali chinthucho, nthawi ndi nthawi, kuti ngati munthu sakuona ndalama zake, ndiye kuti amapeza zinthu zoterozo zomwe samazichita. Tikamaganizira za ndalama zathu, zikutanthauza kuti timazisamalira. Koma, kachiwiri, ndi kovuta kwambiri kuyendetsa. Kuphweka kwambiri kumasuka, moyo wokha udzachita zonse kwa ife. Monga momwe kafukufuku omwe amachitira ndi akatswiri a maganizo a ku America amasonyeza, anthu omwe saganizira ndalama zawo amakhalanso osagwirizana m'madera ena a miyoyo yawo. Kuti muyendetse bwino ndalama zanu, nkofunika kukhala munthu wamkulu, wodalirika komanso woganiza bwino.
Anthu omwe sadziwa kuwerengera ndalama zawo samangomvetsetsa kuti kuchita zinthu zosavuta kuziwathandiza komanso ndalama zawo. Zosintha zomwe zingakuchitikire, ngati mutayamba kuwerengera ndalama zanu, zidzasintha moyo wanu kuti zikhale bwino. Zoona zake n'zakuti ngakhale ana ang'onoang'ono amafuna kuwerengera ndalama. Mwachitsanzo, ngati m'kalasi yoyamba, ana m'malo mowerengera ndodo zilizonse, amapereka ndalama, ndiye pamapeto a kalasi yoyamba, pafupifupi aliyense angaganize momwe njira yoyamba ikuganizira. Kuonjezerapo, zikanakhala mwa ana kukhala ndi chikhumbo komanso kutheza ndalama zawo. Ana amakonda kuwerengera ndalama chifukwa, amadziwa mphamvu zomwe zimabisika m'mapepala awa, zomwe angachite ndi ndalama. Pamene mwana amapeza ndalama ali ndi lingaliro loti alitenge, kupeza ndalama panobe. Kotero chilakolako chachizolowezi cha munthu kuti apeze chimapangidwa. N'zomvetsa chisoni kuti ambiri mwa anthu akuluakulu amatsutsidwa ndi chikhumbo. Ndipo onse chifukwa iwo amangoganiza kuti alibe ndalama. Mmene mungagwirire ndi mwamuna yemwe wakhala pafupi ndi moyo wake pamapewa ake, bungwe, ukwati, ana ake, ndipo sanaphunzire kuwerengera ndalama zake, akuyesera kupeza ndalama?
Choyamba, ndi bwino kudziŵa momwe mungatengere ndalama zanu, kuziyendetsa, kusunga ndalama pa bajeti yanu, ndikusankha njira yabwino yopeza ndalama. Ndondomeko yowerengera ndalama zomwe muli nayo zimakhudza kwambiri maganizo anu, ndikukankhira njira yopezera ndalama mwa njira iliyonse. Chifukwa ndi ntchito yanu, ndalama zanu, chuma chanu komanso chuma chanu. Pali nthawi imodzi yoopsa pamene munthu ali ndi ndalama zambiri. Amasiya kuziwerengera ndipo amatha kutaya ndalama zonse. Pamene, muli ndi ndalama zomwe sizinalipo kale, mumatha "kupasula denga" labwino, ndipo mumayamba kugwiritsa ntchito zambiri kuposa pomwe muli ndi ndalama. Ndikofunika kuyesa kusunga mutu wopepuka, ngati mutembenuzidwa bwino, ndipo munayamba kuwoneka ndalama.
Kuti musataye ndalama zanu, sungani bajeti ya banja, muyenera kuphunzira kuwerengera ndalama, momwe mungayendetsere. Phunzitsani tsiku ndi tsiku, musaiwale za misampha yomwe yagulitsa ndi ogulitsa malonda, ndipo yesetsani kupeza zambiri momwe mungathere.