Vutoli linapha anthu ambiri: wina adadula malipiro awo, ndipo ena adataya ntchito zawo. Ovuta kwambiri anali obwereka mabanki: kuwonjezera pa zosowa zapadera, ayenera kulipira nthawi yoyenera ndi chidwi. Ngati mungathebe kugulitsa ngongole (kubwezera ndalama kwa achibale ndi kulipira ngongole), ndiye kuti ngongole ndi yovuta kwambiri: ndalama za ngongole ndi zazikulu, ndipo zimatenga zaka zoposa chimodzi kuti zilipire. Kodi mungapangire bwanji bajeti yolinganiza bwino ya banja lanu ndi ngongole zanu kuti zizimitsa nthawi zonse, osasinthira ku Knight Mean?
Zonse zimaganiziridwa
Choyamba, m'pofunika kulembetsa mndandanda wa bajeti yonse yokonzedweratu ndi ndalama, komanso kulingalira ndalama zomwe mwakonza mwezi uliwonse - kubweza ngongole, lendi, chakudya, kayendedwe, ndi zina zotero.
Dulani ndalama kapena kusiya zomwe siziri mndandanda.
Palibe cholipira?
Kodi anthu amene ataya ntchito zawo sangathe kulipira ngongole, mwachitsanzo, amapereka ngongole? Ngati zinthu zoterezi zikuchitika, musabise mavuto a zachuma. Mwamsanga mukangopita ku banki, pitani kwa mutu wa dipatimenti kuti mugwire ntchito ndi anthu payekha. Tiuzeni za vuto lanu ndipo muvomereze kuti mukulipira ndi kulipira ngongole. Ngati muli ndi mbiri yabwino ya ngongole, banki ikhoza kuyanjanitsa: mwachitsanzo, idzawonjezera nthawi yobwezera ngongole, motero kuchepetsa kulipira kwa mwezi; adzakupatsani "maholide a ngongole" - malipiro athunthu kapena osankhidwa pa "thupi" la ngongole. Chifukwa cha chisankho ichi, n'zotheka kuchepetsa malipiro a mwezi ndi ngongole ndi 40-50%, kupanga bajeti yabwino ya banja komanso kubweza ngongole. Koma ndibwino kukumbukira kuti kusamutsidwa kulikonse kumachepetsa zofuna zomwe zilipo panopo, koma panthawi imodzimodzizi kumawonjezera iwo m'tsogolo. Chifukwa cha banki, mudzatha kulingalira za bajeti yatsopano yokonzekera banja ndi ngongole za ngongole.
Ngati bankiyo sithandizidwe , ndipo malonda pa ngongole yanu yataya kufunika kwake (panali zopereka zabwino zogulitsa ngongoleyo), ndiye zomveka kuganiza za kukonzanso, kutanthauza kusintha pulogalamu yanu ya ngongole kuti ikhale yoyenera. Komabe, muyenera kuganizira maonekedwe onse.
Wokondedwa kwambiri
Kodi munamvapo mawu akuti "opusa ngongole"? Zomwe zimatchedwa ogula ngongole, zatengedwa, mwachitsanzo, kugula zipangizo zapakhomo, zovala zamagetsi zamtengo wapatali kapena magalimoto othamanga.
Malingana ndi akatswiri, nthawi zambiri amachotsedwa ndi anthu omwe amangofuna kugula zinthu zopanda pake, komanso omwe sakudziwa momwe angayankhire ndalama zawo.
Kuti tipeŵe mavuto ndi banki mtsogolomu, tikukulimbikitsani kuti mumvetsere zotsatirazi.
Musanayambe kutenga ngongoleyo, yesani kuchuluka kwa momwe mukufunikira. Ganizirani ngati mungabwezere ngongoleyo nthawi yake. Pankhaniyi, ndi zofunika kuti muwerengere ndalama zomwe mukulipira kubanki popanda kunyalanyaza bajeti.
Phunzirani mwatsatanetsatane zonse zokhudza bajeti ya banja ndi malingaliro, ngongole ndi zomwe zikugwiritsidwa ntchito.
Musamatsatire mwatsatanetsatane malonda, omwe nthawi zonse amatsindika kuti kupereka ngongole mosavuta. Musachedwe kusayina pangano.
Nthawi zisanu ndi ziwiri
Kodi simukuyenera kuchita chiyani ngati simumangofika "kubwalo la ngongole"? Musatenge ngongole popanda zofunikira mwamsanga. Ngati malipiro a mwezi uliwonse akubwezera ngongole akuoneka kuti ndi aakulu kwambiri, ndibwino kuti musayambe kutero. Mwachitsanzo, ngati malipiro onse a mwezi ndi ngongole apitirira 30-40% ya ndalama zanu; ngati kubweza ngongole kulibe ndalama zokwanira zokwaniritsa zofunikira (lendi, chakudya).
Musatenge ngongole zenizeni. Pankhani ya katundu wamtengo wapatali, panga ngongole sikumsika, koma ku banki.
Tengani ngongole kwa nthawi yochepa kwambiri kwa inu, ndiye idzakhala yotchipa. Polipira ngongoleyo ngati momwe zingathere, perekani kulipira komwe kuli kotheka. Bwezerani ngongole kubanki nthawi yake. Kupanda kutero, inu mudzawululidwa ku chilango cha kuchedwa kwa kuchuluka kwa chiwongoladzanja chachiwiri cha chiwongoladzanja pa ngongole.