Mukupeza zambiri, koma mulibe ndalama? Iwe umatchedwa "spender", ndipo iwe umamverera kuti izi ziri choncho? Chilichonse ndi chosatheka! Tidzakuuzani momwe mungaphunzire kusunga ndalama kwa mkazi wamakono. Inde, njirazi ndizoyenera amuna ...
Mwa amuna, malinga ndi kafukufuku wa Dipatimenti ya Zamalonda ku State University-Higher School of Economics, kusungidwa kuli pafupifupi gawo limodzi la magawo atatu kuposa azimayi. Izi sizowonjezera chifukwa cha kusiyana kwa malipiro ndi kuthekera kwathu kuti tigwiritse ntchito ndalama zomwe tapeza mwezi umodzi tsiku limodzi. Akatswiri a zamaganizo amanena kuti kudzikundikira kumakhala kofanana ndi amuna, chifukwa amaphunzitsidwa kuyambira ali mwana kuti adzasamalira banja m'tsogolomu. Pamene atsikana nthawi zambiri amalankhula za ubwino wa ukwati ndi kuwerengera. Koma ndi bwino kukwatirana chifukwa cha chikondi, koma kupanga ndalama m'njira zina.
Khalani ZOLINGA.
Kusunga ndalama kuli bwino kwa konkire, makamaka kupita ku cholinga (ziribe kanthu momwe zingakhalire) ndikosavuta kusiyana ndi kulikonse. Ngati mukufuna kugula, mwachitsanzo, galimoto, ganizirani nokha mukuyendetsa galimoto, koma galimoto yeniyeni. Mwachitsanzo, kuwala kofiira kotchedwa yellow minicar ku Italy kumachitika. Cholinga chowonekera, mofulumira kuti mukwaniritse.
Inde, mwa njira yokhudza nthawi. Mutatsimikiza mtima, mumatha kulingalira tsiku limene mungathe kugula zomwe mukufuna. Mutha kulemba ndondomeko ndikuyikapo pazitsulo zomwe zatengedwa kumbali iyi. Ikani izo pamalo otchuka mnyumbamo - ndipo muziyamikira kupita patsogolo. Ndikhulupirire, pokhala ndi maloto a konkire, nthawi zonse mumapeza njira zopezera. Ngati mungathe kugula, ndithudi.
BUKU LOPHUNZITSIRA KUTI MUDZIWE.
Mungathe kuzichita bwino mu sitolo - mufoni yanu, ndiyeno mutumizire zolemba izi mukalembera kunyumba. Kumapeto kwa mwezi mumadziwa komwe ndalama zanu zinapita. Izi zidzakuthandizani kusankha zomwe mungasunge, ndi zomwe mungapitirize kukana. Ingochita izo nthawi zonse, osasowa tsiku limodzi. Apo ayi, chiwerengero chomaliza sichingakhale cholakwika.
Pangani ZOKHUDZA.
Sungani ndalamazo kuti mukhale ndi banki pa akaunti yanu ya ndalama, mutsimikizire kukula kwawo ndi 12-15% pachaka. Kusungidwa kwa ndalama sizingathe kuwonjezeka - kutsika kwa chuma kumadya nthawi zonse ndalama, kuchepetsa mphamvu yogula. Zing'onozing'ono (pafupifupi 10,000 rubles.) Zikhoza kuyendetsedwa mu Mutual Funds (ndalama zoyendetsera ndalama) ndi OFBU (ndalama zonse za kayendetsedwe ka banki). Chochita ndi malipiro olimba kwambiri, mlangizi wa zachuma adzafulumira. Mwa njira, sizingakhale zopindulitsa kwambiri. Ndikhulupirireni, phindu limene analandira chifukwa cha zochitika zogulira bwino lidzapindulira ndalama zanu kwa katswiri kangapo. Mulimonsemo, muyenera kudziwa nthawi komanso ndalama zomwe mumalipira. Musagwiritsenso ndalama zanu zonse, ngakhale akaunti yowonjezereka kwambiri, ngakhale mabanki odalirika. Izi zidzakuwuzani munthu aliyense yemwe akumvetsa zachuma ndi ndalama. Ndalama zamakono m'dziko lamakono sizakhazikika - musaike mazira onse mudengu limodzi.
Khalani OTHANDIZA.
Pokhala ndi ndalama zokwanira pa akauntiyi, musatenge ndalama zonse pomwepo. Tengani ulamuliro wa chigawo cha chigawo. Ruble zana, yomwe idayikidwa pa 10% patsiku, idzakhala makasu 110 chaka chimodzi, ndipo pambuyo pa zaka ziwiri - 110 + 10 + 10 + 1 = 121 (l = 10% ya ruble 10). Ruble iyi ndi zotsatira za ntchito ya chiwongoladzanja. Zikuwoneka kuti sizinali zambiri. Koma ngati mutagwiritsa ntchito ndalama zochulukirapo, ndiye kuti mutakhala ndi zaka makumi awiri ndi zisanu ndi kamodzi pa mwezi mumayika mabeleketi 1000 ku banki pa 9% pa chaka, pamene mutapeza makumi asanu ndi limodzi, mudzasunga ma ruble mamiliyoni atatu! Ndipo peresenti yokha kuchokera kwa iwo adzalandira pa "zobiriwira" 1000 "mwezi uliwonse".