Mwachidziwikire m'banja lililonse, ziribe kanthu momwe amalankhulirana bwino, mwachikondi ndi kulemekezana, nthawi zambiri mumatsutsana pa momwe mungagwiritsire ntchito ndalama. Mabanja ena amakangana pazinthu zopanda phindu, mikangano ina ya zachuma imapereka chifukwa chofunsira yemwe ali ndi udindo komanso yemwe ayenera kukhala wosankha. Maganizo a ndalama amakhala ngati kuyesedwa kwa litmus, amavumbula kusagwirizana pakati pa okwatirana. Si chinsinsi kuti munthu amene amapeza zambiri, amakhulupirira kuti n'zotheka kugawana yekha, kudziwa momwe angagwiritsire ntchito ndalama ndi ndalama zotani. Ndipo panthawi imodzimodziyo imachoka mawu omaliza okha pazochitika zilizonse zovuta.
Maganizo ena a ndalama, komanso momwe angagawire ntchitoyi m'banja - amapangidwa ali mwana. Ana amaonerera mwachidwi mmene makolo awo amakankhira mavuto a zachuma. M'moyo wam'tsogolo wam'tsogolo, iwo amatsanzira chitsanzo cha makolo, kapena amayesa kuchita zonse zosiyana kwambiri. Kamodzi atalandira, malingaliro sangagwirizane ndi mwamuna ndi mkazi wake, zomwe zimaphatikizapo kulephera m'banja. Maganizo ambiri okhudza ndalama angathe kuwononga ukwati, chifukwa funso ili, mwa njira imodzi, likugwirizana ndi mbali zonse za moyo wa banja.
Monga lamulo, mwa momwe munthu amachitira ndi ndalama, munthu akhoza kuganizira mbali zina za khalidwe lake. Anthu onse akhoza kukhazikitsidwa mwazigawo m'magulu angapo molingana ndi mlingo wa "chikondi" cha ndalama.
Zosangalatsa kapena zolinga. Kawirikawiri zimakhala zovuta kwa iwo kukana, kuti asawononge chirichonse ku khobiri. Anthu awa nthawi zambiri amapanga kugula zopanda nzeru. Dzidziyese nokha: kodi pali chirichonse mwa zinthu zomwe iwe unagula, zomwe iwe unali, sizikusowa kwenikweni. Ngati kulipo, ndiye kuti ndalama zinatayidwa ndi inu, ndipo muyenera kuganizira ndi kufufuza zomwe mumagula. Muyenera kudziwa - ngakhale chizoloŵezi chosokoneza ndalama - izi zingathe kuthandizidwa. Pitani ku masitolo ndi mndandanda wa zomwe mukufuna kugula; tengani ndi inu kokha ndalama; musathamangitse kugula mwakamodzi - kuchokapo, kuganiza, mwinamwake chinthu ichi sichiri chofunikira. Mwina ndizomveka kusintha kusamalira bajeti kwa banja lanu.
Odzimva kapena osowa mtendere, mosiyana, akuyesera kuti apulumutse pa chirichonse, kudziletsa okha, komanso zawo. Panthaŵi imodzimodziyo amatsogoleredwa ndi zosiyana zosiyanasiyana. Wina amasiya "tsiku lamvula," wina amatsogoleredwa ndi chilakolako chofuna kusunga ndalama zogulira chinthu chachikulu cha chinthu chofunika, kapena kuika kwachangu kuyambira paubwana kuti nthawi zina sagwirizana ndi mavuto. Ndipotu, palibe choopsa pano, koma mpaka chizoloŵezichi sichichoka m'munda wodalirika, sichimasanduka mania, ndipo chimakulolani kukhala ndi moyo wamba. Ngati kusungunuka kumawopsyeza kukhala chikhalidwe chanu chachiwiri ndikupitirira malire ovomerezeka - kumenyana. Mungathe, mwachitsanzo, mutengere nokha kapena okondedwa anu kuposa nthawi zonse.
Osakhulupirira - uwu ndi gulu lina la anthu omwe, osakhulupirira mwamuna kapena mkazi wawo, amapanga "stash", kapena kubisa zina mwazopeza. Monga lamulo, zimadziwika - posachedwa kapena mtsogolo, ndipo zimayambitsa mikangano. Mkhalidwe wotere ukhoza kuthandizira njira imodzi yokha - kudalira. Pangani mgwirizano wodalirika m'banja, ndiye simudzakhala ndi chifukwa chobisa chirichonse. Malangizowo ndiwathunthu pazochitika zonse: yesetsani kukambirana nkhani iliyonse yachuma m'banja, kupeza njira yodziwikiratu yogawira ndalama, pitani kuyanjanitsa.
Podziwa kumvetsetsa pamakhalidwe oterewa, mukhoza kudalira ukwati wamphamvu.