Moyo pamodzi ndizopanda phindu. Timapereka njira zingapo za momwe mungakonzekere bajeti ya banja. Choyamba, tiyeni tikambirane ngati abwenzi awiri amapeza, Mkazi aliyense amaika ziphaso za ndalama mu banja "kachikwama", ndipo pakufunikira kuchotsa ndalama kuchokera kumeneko.
Izi ndi momwe ndondomeko ya banja ikonzedwera, momwe malipiro a mkazi ndi mwamuna ali osiyana kwambiri. Njira iyi ndi yabwino kwa maanja okondana amene ali ndi zofanana, njira iyi siidzakhala njira yokonzekera bajeti, koma njira yopezera ndalama. Pamene malipiro a wina ali osiyana komanso nthawi imodzi molimbika kwambiri kuchokera kumzake, ndiye amene amapeza ndalama zochepetsera, samangokhalira kulimbikitsa. Ndipo kusiyana kotereku kwa bajeti nthawi zambiri kumatayika.
"Banki ya nkhumba ya banja" imaonedwa kuti ikupita patsogolo kwambiri. Ndalamayi yagawidwa mu magawo awiri: payekha komanso pagulu. Ndipo kupitirira kumadalira zomwe banja liri nalo pa dongosolo limodzi: zosowa zaumwini kapena zowonjezera. Mkwatibwi aliyense amapereka ndalama zokwanira mu banki ya nkhumba zofunikira za banja, zikhoza kukhala mankhwala opangira mano, mapepala a chimbudzi ndi zina zotero. Koma monga momwe amasonyezera, njira iyi imangowonjezera ndalama.
Njira yosiyana ndi kugawa ndalama "pa envulopu." Pankhaniyi, ndalama zimagwiritsidwa ntchito pazinthu zapakhomo. Ndipo kufalitsa njira kumakhala kovuta kwambiri. Zimatengedwa ndi ma envulopu angapo opanda kanthu, amasaina malinga ndi ndalama za banja. Mu ma envulopu a mkaziyo, amaika pambali ndalama zomwezo.
Pezani momwe ndalama zilili mu ma envulopu iliyonse, mutha kuwerengera nthawi yaitali. Ndalama zotsala, pambuyo poti ndalamazo zikufalikira pa ma envulopu, amaonedwa kuti ndizosungira ndalama zawo. Koma pali zovuta kuti mwamuna kapena mkazi wake, yemwe malipiro ake sakhala ndi nyemba, posonyeza kuti sangakhale ndi ndalama zokha. Koma njira iyi ikulonjeza, ngati mukufuna ndalama zambiri zaumwini, muyenera kugwira ntchito zambiri.
Taganizirani za banja limene mwamuna kapena mkazi yekhayo amagwira ntchito.
Malangizo ochokera kwa akatswiri:
1. Timawerengera ndalama. Ndipo, pamapeto pake, mukhoza kutsimikiza kuti timagwiritsa ntchito zambiri kuposa zomwe timapeza. Tidzawerengera ndalama zonse mkati mwa miyezi itatu.
2. Timapulumutsa 10 peresenti ya ndalama zonse.
3. Kudula ndalama. Timachita izi kwa wothandizira, komanso kwa munthu amene akukhala popanda malipiro.
4. Kuphunzira kupita kukagula, akuyenera kukonzekera, osangokhalira kugula.
5. Timapita ndi mndandanda kupita ku hypermarket. Mitengo yamagalimoto imakhala yotsika mtengo, ndipo ngati mumagula mwadala, mukhoza kusunga ndalama. Timatenga ngolo yaing'ono, pambuyo pake, tikuyesera kudzaza malo opanda kanthu mwamsanga m'maganizo.
Malangizo ochepa omwe angayambe kupulumutsa
Ikani mababu amphamvu opulumutsa mphamvu, chimbudzi ndi madzi osungirako ndalama, makina a madzi. Kenaka lendi idzadulidwa ndi 30%. Ngati mumagula magetsi usiku ndi masana, ndizomveka kukonza kutsuka ndi kutsuka kutsuka pambuyo pa maola 23.00, pamene magetsi atatu ndi otsika mtengo.
Timagula makadi oyendayenda. Kadhi pa sitima yapansi panthaka "ingadzivomereze yokha" kwa miyezi itatu, ngati mupita ku metro kamodzi pa tsiku.
Ngati pali galimoto, ndalama zambiri zimapita ku mafuta. Mukamapuma pa gasi imodzi, mukhoza kuwafunsa khadi lopanda kuchepetsa. Ngakhale mutasunga 1 ruble pa lita imodzi, mukhoza kusunga ma ruble oposa 200 pamwezi. Ngati n'kotheka, timadzaza galimoto m'deralo, osati mumzinda. Simusowa kuti muwonjezere galimoto, pewani kupanikizana kwa magalimoto, ndiye kuti mutha kusunga ma ruble angapo pa mafuta.
Zakudya zopanda kuwonongeka (macaroni, tirigu, shuga) zimagulidwa m'magulu akuluakulu. Ndiponso katundu wa m'nyumba (masiponji, sopo, mankhwala apanyumba) timagula zambiri.
Zinsinsi zamtengo wapatali
1. Anthu ambiri, atalandira malipiro, amathamangira kugula, ndipo palinso malonda ogula, popanda zomwe mungachite popanda. Ndipo tiyeni tibwezeretse kugula konse kwa mawa. "Kutentha kwa malonda" kumeneku kumachoka kwathunthu, kapena kufooka. Ndipo m'mawa pamutu watsopano mungasankhe zomwe mukufuna kugula poyamba.
2. Pezani kachikwama kakang'ono ka thumba, ndikutsanulira kusintha pang'ono, osagwiritsa ntchito kapena kuyang'ana. Pamene mapepala a pepala amatha, ndiye kuti mudzadabwa kuona kuti mu thumba ili ndalama zokwanira zasonkhanitsidwa.
3. Musatenge ngongole, ngati ilipo, chofunika kwambiri. Koma muyenera kupereka pamene mukulifuna, popanda kuyembekezera. Mukakhala ndi ngongole, funsani kubweza ndalama zonse kamodzi, koma osati m'madera ena.
4. Musagule zinthu ziwiri kapena zitatu za khalidwe losauka, kotero muyeso yomwe mumapeza bajeti.
5. Pitani ku sitolo ndi mndandanda wazinthu zolembedweratu, ndipo musasiye mndandanda ngati mwaiwala kulemba chinachake. Mukhoza kubwerera mawa. Palibe chifukwa chotsogoleredwa ndi zokongoletsera zokongola, sizimakhudza ubwino wa katundu, koma zimangowonjezera mtengo wake.
6. Yesetsani kutsata uphungu wa mayi yemwe, pofuna kukula kwa banja, adasunga ndalama. Iye analangiza kuti alangize khadi limodzi la pulasitiki kwa awiri, pamene ilo liri lokonzeka, iwe uyenera kuti uzipita kukalitenga ilo palimodzi. Ndiye wina amakhala mwini wa khadi, ndipo wachiwiri amakumbukira chipangizo cha PIN. Udziwitsano wina ndi mzake sayenera kusinthana. Njira iyi ili ndi ubwino wambiri, kugula kumapangidwa ndi kuvomerezana, ndipo kungathe kuchepetsa kwambiri ndalama za banja. Mukapita ku banki ndi mnzanuyo, kuti mutenge ndalama pa khadi, mukhoza kusintha malingaliro anu ndikupanga kugula kolakwika.
Mwinamwake winawake angapeze zodabwitsa izi, koma umoyo wathu wa ndalama umatsimikiziridwa ndi kuchuluka kwa momwe mumakhalira mwa njira, osati ndi kukula kwa ndalama.
Kodi moyo ndi chiyani? Izi sizikutanthauza kuti muyenera kukana chirichonse mwa inu nokha ndikusunga ndalama pa zosangalatsa zabwino. Ingofunika ndalama kuti mugawire bwino. Inde, ndikufuna kuti ndipeze zambiri.
Ndi ndalama iliyonse simungakhoze kupulumuka ku mphotho ina, ndipo simukudziwa zomwe muyenera kulipira ngongole, ndipo mukhoza kukhala ndi moyo, mukasangalala ndi zosangalatsa zazing'ono pamoyo wanu.
Chotsatirachi chimafuna kulemekeza ndalama komanso kuthetsa bajeti ya banja.
Tidzasamalira bajeti ya banja, ndipo tidzatha kudziwa komwe ndalama zonse zowona mtima zimapitako mwezi uliwonse. Kenako mungathe kukonzekera ndalama, kusunga ndalama zogula ndi kugula ndalama.
Kulingalira bwino ndikukonzekera bajeti ya banja kumawathandiza kukhala otsimikiza komanso otsimikiza. Ganizirani za bajeti yanu ndikugona mwamtendere.
Kodi timachita bwanji izi?
Poyang'anira bajeti ya banja, pali mapulogalamu ambiri a pakompyuta. Chokhacho chokha ndichoti iwo ali oyenera nthawi zonse ndipo ali abwino kwambiri. Koma tikusowa zosiyana ndi zathu. Ndipo kodi nthawi zonse pamakhala zolemba zolemetsa zoterezi?
Njira yosavuta yolemba mu bukhu lapadera kapena m'ndandanda ndizosavuta zolembera ndalama ndi ndalama. Kupyolera mu mayesero ndi zolakwika, mukhoza kupeza mawonekedwe a mbiri yomwe ingakhale yabwino kwa ife.
Pa pepala limodzi timalemba ndalama zonse zomwe tinalandira kwa mwezi ndi ndalama. Ndikofunika kuti pali malo omwe akumaliza. Ndiye tebulo lonse lidzakhala patsogolo pa maso anu, ndipo mukhoza kusanthula mosavuta. Mufunikira mapepala 13, pepala limodzi la mwezi ndi limodzi la chiwerengero cha pachaka.
Pogwiritsa ntchito ndalama, tonse timvetsetsa, gawo ili liphatikizapo ndalama za mamembala onse, ndi zina zowonjezera: mphatso, mabhonasi, penshoni, zopindula ndi zina zotero.
Timagawira ndalama zomwe timagwiritsa ntchito ndizolemba, zikhoza kukhala chakudya, ndalama zothandizira, zogulitsira, zothandiza, zovala, chakudya ndi zina zotero.
Ndiye pa malo ogawa ndalama, mukhoza kuthetsa mavuto ena. Ngati chakudya chikugwirizana ndi malingaliro anu okhudzana ndi zakudya zathanzi, ndizomwe mumadya, ndikudya, mumagwiritsa ntchito ndalama zokwanira, ndiye chifukwa cha mtundu uliwonse wa chakudya simukusowa kupanga magulu osiyana. Chilichonse ndi chabwino apa, ndipo ndibwino kuyang'ana mwayi wopulumutsa kwina kulikonse. Ngati mumadya masangweji, ndalama zanu zimapita pachabe, ndiye muyenera kulemba kuti ndalama zimagwiritsidwa ntchito bwanji pazinthu zamagetsi zomwe zimagulidwa, pa mkaka, nsomba, nyama ndi ndiwo zamasamba.
Anthu ena amagawa ndalama zonse m'magulu atatu - malipiro okhumba, malipiro oyenera ndi malipiro oyenera. Ndipo mkati mwa gulu lirilonse muyenera kugawira iwo ndi zinthu zodula. Ndiye zidzakhala zosavuta kugawira ndalama, ndi gulu liti limene ndalama zidzathamangire mabowo, chifukwa cha ndalama zomwe simukuziyembekezera. Ndalama zomwe zimayenera kulipidwa nthawi zonse, ndalama zawo sizidalira inu, muyenera kuziphatikizira mu nkhani imodzi - "malipiro osatha". Apa chirichonse chidzadalira pa zosowa zanu ndi chikhumbo chanu.
Chinthu chomwe mumagwiritsa ntchito "zosiyana" kapena "zina" zidzakhala zofunikira kwa inu. Nthaŵi zonse mumakhala ndalama zochepa kwambiri, zomwe simungadziwe kumene mungapite, ndipo nthawi zambiri mumakhala chiwerengero chooneka bwino. Apa ndi bwino kulingalira chifukwa chake izi zimachitika. Mwinamwake, wina wa m'banja mwanu akugula zonyansa zilizonse, chifukwa ndi zotchipa.
Tiyenera kumvetsera miyezi ingapo yomwe mumagwiritsira ntchito ndalama pazinthu zosiyanasiyana zomwe simukuziyembekezera. Ndipo m'tsogolomu tidzakhazikitsa ndalama zina mu bajeti yokonzedweratu. Musaiwale kukonzekera ndalama zowonjezera, zikondwerero za banja ndi maholide. Ngati mukusonkhanitsa ndalama kuti mugule zambiri, muyenera kuika ndalamayi mubokosi lapadera. Mu gawo linalake padzakhala malipiro pa ngongole ndi ngongole.
Kumapeto kwa mweziwu, tidzakambirana ndi kukambirana ku bwalo la nyumba. Muli ndi mwayi waukulu wowonera ndalama, kukonza ndalama, kukonzekera ndalama zam'tsogolo, komanso kukhala ndi mwayi kuthetsa kusiyana kwa banja.
Momwe mungagwiritsire ntchito
Zimakhala zovuta kulankhula za mtundu wina wa mapulani, mpaka ziwerengero zina zikuwonjezeka. Malingana ndi zotsatira za mwezi woyamba, titha kuzindikira. Podziwa momwe mumagwiritsira ntchito ndalama, mukhoza kuona komwe ndalama zonse zinapita.
Mwinamwake poyang'ana pa zolemba zonsezi, mudzachita mantha mukamawona ndalama zomwe mwagwiritsira ntchito pazinthu zosafunika zomwe mwagula mopanda pake. Kuchokera kuzinthu zina, monga panthawiyi, zinatheka, popanda kuthetsa kukana, ndipo ndalama izi zikutumizira ku zosowa zina.
Kusanthula ziwerengero, ndizotheka kumvetsa kuti ndi zinthu ziti zomwe zagulidwa mopitirira muyeso, ndipo ndi zinthu ziti zomwe zimagulidwa kuti zigulidwe zambiri. Ndipo panthawi imodzimodziyo muyenera kudziwa zomwe mukufuna kugula pamaphukusi akuluakulu.
Tsopano tikudziwa momwe tingagwiritsire ntchito ndalama zachuma pa banja. Muyenera kuchita monga munthu wodziwa bwino ndalama, kusamuka kuchokera ku ndondomeko kukawerengera, ndiyeno - kukhazikitsa ndi kukonza mapulani.