Mmene mungayendetsere ndalama mu banja

M'nthaŵi yathu ino, ndalamazo pazifukwa zina zimasunthira mu gawo, pafupi kwambiri, ndipo sizikambidwa kawirikawiri ngakhale pakati pa achibale. Mwamuna ndi mkazi wake sakhala osiyana, ngakhale kuti, pakati pa mwamuna ndi mkazi, nkhani zonse zachuma ziyenera kukambilana poyera, kuganizira maonekedwe onse.

Kawirikawiri m'mabanja omwe mwamuna ndi mkazi wake amagwira ntchito, imodzi mwa iwo imapeza ndalama zambiri kuposa izi, ndipo izi zimaonedwa kuti ndi zachilendo. Ndipo palibe amene amakhulupirira kuti ndi iye amene amalephera kupereka ndalama zambiri. Koma pali zosiyana. Chomwe chimayambitsa mikangano yambiri, ndi zifukwa zabodza kuti mmodzi mwa okwatirana amathandizira chirichonse ku banja, ndipo chachiwiri chimadzilola yekha kugwiritsira ntchito zomwe zimangosowa payekha, osati za banja.

Pofuna kuonetsetsa kuti gawo la moyo wa banja silikhala gawo loyesa chiwonongeko, ndikofunikira kudziwa poyamba momwe angayendetsere ndalama m'banja.

Kupanga bajeti ya banja ndi nthawi yofunika kwambiri pa moyo wa banja lachinyamata.

Bajeti ya banja.

Ndalama ndi bajeti ndizofunika kwambiri pa moyo wathu, zomwe timakumana nazo tsiku ndi tsiku, ndipo popanda kukhalapo kwabwino sizingatheke. Ndalama zomwe zilipo m'banja, makamaka zowonjezereka, zingapangitse chiwonongeko cha chilolezo ndi kulamulira kwathunthu mbali zonse za moyo wathu komanso za chilengedwe. Izi zimayambitsa kusamvana kwakukulu, kusakwiya komanso chifukwa cha kusudzulana kawirikawiri.

Malingaliro a akatswiri a zamaganizo - ndalama, "gawo lachitatu" silopambana "mu chiyanjano cha abwenzi, omwe amafunikanso kuphunzira momwe angagwirizane. Zimakhala zovuta kwa anthu amene asanalowe m'banja amakhala ndi moyo wodziimira okhaokha, ndipo amazoloŵera kutaya ndalama zawo, kapena mosiyana, iwo sanachitepo izi kale. Kusamvana kwachuma kungayambitse zifukwa zosiyana. Izi zikhoza kufotokozedwa ndi mfundo yakuti, ndi ndalama zochepa, munthu ali ndi nkhawa, ndipo adzathetsa mavuto onse omwe akhalapo panthawi yake, pokhapokha ngati pali zosokoneza, makamaka ngati izi sizinali zofunika. Pankhani yomwe ndalama za banja sizingatchedwe kuti zing'onozing'ono, zofunikira, zomwe sizolungama nthawi zonse, momwemo kuwonjezeka, zomwe zimapanganso ndalama, ndipo zotsatira zake zimakhalanso zopweteka.

Pali nthawi zambiri pamene, chifukwa cha kugwidwa kwa ndalama, maanja adatsimikiza kusudzulana, ndipo chiwerengero cha chisudzulo chimaphatikizapo kugawidwa kwa katundu wamba, mpaka kufika poti ntchitoyo, kapena yachitsulo, inagawidwa kwa miyezi yambiri.

Choncho, kukhazikitsidwa kwa bajeti ya banja kudzakhala kwa inu mwayi wopewera ndalama zopanda malire, ndipo panthawi imodzimodzi kuti mutha kusamalira ndalama zanu mosasamala popanda chikumbumtima cha chikumbumtima.

Ndi ndalama zanu.

Ngati mukuwoneka kuti mukupeza bwino ndipo mulibe ndalama zokwanira, ndiye kuti zinthu siziri zoona, kapena simukuletsa ndalama zanu. Makamaka muyenera kulingalira, ngati zikutanthauza, inu munayamba kugwiritsa ntchito zochuluka kuposa momwe mumapezera, kugwiritsa ntchito makadi a ngongole chifukwa cha izi, ndikukweza ngongole. Izi zingathe kupitilira ngati onse awiri akhala ndi moyo ndipo ali okhutira ndi zonse. Koma kawirikawiri izi zimachitika kawirikawiri, ndipo wina amakhala pa phazi lalikulu, ndipo wachiwiri amayesera kupulumutsa pa chilichonse chomwe chiri chotheka. Zotsatira zake, zoyesayesa zonse zachepetsedwa kukhala zero bwino, panthawi yovuta kwambiri. Kawirikawiri, chifukwa chosowa ndalama, ndipo ena amatsimikizira za tsogolo, wokondedwa wake amakhala ndi nkhawa, zomwe zimawonetseratu khalidwe lake, maukwati ake komanso maonekedwe a banja. Pachifukwa ichi, njira yabwino ndiyo kupanga chizoloŵezi cha mkazi wovulaza kuti awononge ndalama zawo. Pachifukwa ichi, malonjezo ena pakati pa abwenzi omwe. Ngati iwo sali kuphedwa, ndipo ndalamazo zikupitirirabe, ndibwino kuti apereke mwayi wopeza ndalama kwa wokondedwa kwambiri kwa kanthawi.

Izi ndizofunikira makamaka kwa achinyamata omwe poyamba sankayendetsa ndalama zawo, anali ndi ndalama zochepa, kapena anali ndi chikhalidwe chosiyana cha anthu.

Ndife.

Ngati m'banja mwakhama mwakhazikitsidwa kuti aliyense payekha mu ndondomeko ya ndalama, nkofunikira kusintha kwambiri mkhalidwewu. Ndipotu, njira yabwino kwambiri, ngati banja siligawanitsa ndalama mu "yanu" ndi "yanga", ndipo ndalama zonse zomwe zimabweretsedwa m'nyumba zimakhala zofala.

Kupanga bajeti ya banja ndikofunikira pakukambirana ndi kukambirana. Ngati mukufuna banja logwirizana, ndikhulupilireni, popanda kulankhulana pa mutu umenewu simungathe kuchita. Dzisankhire nokha mndandanda wa ndalama zomwe nthawi zambiri zimagwera pa nthawi inayake. Kenaka, sankhani, mwazinthu izi, zofunika kwambiri, zomwe sizingatheke. Mwachitsanzo, zingakhale zolipirira ngongole, kubwereketsa sukulu yapamwamba, malipiro a ngongole, mtengo wa mafuta, chakudya, zochitika zodziwika bwino kapena maholide ndi zina zotero. Onetsetsani kuti zomwe zimatchedwa ndalama zina zomwe mungakwanitse, koma sizikhala ndi umunthu wosatha, mwachitsanzo, kugula zovala, zipangizo, mipando. Pambuyo pakugawidwa kwa ndalama zofunika ndi zina, mukhoza kukhala ndi ndalama. Mungathe kugwiritsa ntchito ndalamazi popanda kukhumudwa pazing'ono zanu, kupumula kwapabanja kapena kubwereranso kwa kugula kwakukulu.

Kuti muthe kuyendetsa ndalama, mutha kusunga chithunzi cha nyumba yachinyumba, momwe mungalembe zonse zomwe ndalamazo zapita. Kotero, ndiye kuti mumapeza mosavuta kuchuluka kwa ndalama, kuyerezerani ndi ndalama ndipo mungathe kuthetsa kugula kosayenera.

Pogwiritsa ntchito mfundo zowonjezera zomwe zimayankha funso la momwe ndalama zimasungidwira m'banjamo, mwamsanga mudzaphunzira kukhala ndi moyo wanu, popanda kumva kupweteka kapena kusowa kwakukulu kwa chinachake. Chinthu chachikulu ndi chakuti muli ndi chilakolako chofuna kupita kumsonkhano ndikusintha zizolowezi zanu, chifukwa ubale wina m'banja, kudalirika, nthawi ndi moyo ungadalire pa chisankho ichi. Musaike ndalama koposa zonse, chifukwa m'moyo muli zinthu zambiri zamtengo wapatali zomwe sizilipira ndalama zambiri.