Nkhani zachuma mu moyo wa banja

Nkhani yachuma mu moyo wa banja ndi imodzi mwa zinthu zofunika kwambiri kwa mabanja onse. Izi zimapangitsa kuti azimayi okwatiranawo azikhala osakwatirana, pambuyo pake, pambuyo paukwati, amasiyana kwambiri ndi ndalama zokhazokha.

Nthawi yomweyo ndikofunikira kupeza mayankho a mafunso ambiri okhudzana ndi zachuma:

1. Kodi ndikuti mungasunge bwanji ndalama?
2. Kodi ndizolondola bwanji kupereka ndalama pa zosowa zonse za banja laling'ono (lomwe mwadzidzidzi linakhala lochuluka)?
3. Kodi mungatani kuti mutumize ndalama zambiri ku "boiler", mumadzimvera ngati kuti simunapange moyo wanu?

Akatswiri ndi akatswiri a maganizo apabanja apereka kale malingaliro awo ku mafunso awa ndi ena. Ndondomeko zoyendetsera bajeti ya banja zingakhale zogawanika motsatira izi: chikwama chodziwika, chodziwika bwino kapena chosiyana. Chikwama chokwanira chimatanthauza kuti okwatirana amapereka malipiro awo pamalo amodzi ndikupanga zisankho zokhudzana ndi ndalama zazikulu kapena kugula, ndi kutenga ndalama kwa cashier wamba popanda malipoti. Poyang'anira zikwama zosiyana, nkhani za okwatirana ndi zosiyana, zimalipilira ndalama zomwe zilipo kapena theka, kapena zotsatizana ndi zolemba zawo. Kachikwama kakang'ono kameneka ndi kaphatikizidwe kawiri pamwambapa. Banja lirilonse limasankha chinthu chovomerezeka, koma, komabe, kwa ambiri, kuthetsa mavuto a zachuma m'moyo wa banja, poyamba, ndi kovuta kwambiri. Kwa wina ndikokwanira kuti muzolowere moyo watsopano, ndipo wina amafunikira malangizo othandiza, osadziŵa kuti, mwezi uliwonse mumayenera kukonza bajeti. Taonani ena mwa iwo.

1. Kufunika koyendetsera ndalama ndizofunikira, cholinga chachikulu chazochita ndikumvetsa ndalama ndi zomwe zikupita, ndi zinthu zotani zomwe zimagwiritsidwa ntchito, ndipo palibe zomwe mungachite popanda.
2. Samalirani momwe mumagwiritsira ntchito ndalama: kodi izi ndiziganizire mwadala kapena mwadzidzidzi? Ngati mwatsatanetsatane, dziwani kuti moyo wa banja umakhala ndi maganizo ozizira ozizira, ndalama ndi malonda omwe mumapanga, musagonjetsedwe ndi maganizo - kotero ndalama sizikwanira.
3. Yesani kuzimitsa. Mosasamala kanthu za ndalama zanu, nthawizonse n'zotheka kuimitsa pang'ono pokha, chifukwa chaichi mudzakhala ndi "ndalama zaulere" zomwe mungatumize kuzinthu zopindulitsa kapena kupuma.
4. Kuvala ndalama zambiri mu chikwama chako ndizosawonetsera, chifukwa zimapangitsa chiyeso kuti chigwiritse ntchito, ndipo mayesero m'moyo wa banja ndi okwanira popanda ife!
5. Musaope kukambirana funso la ndalama ndi theka lanu, ndikosavuta kupanga chisankho chogwirizana pamodzi.
6. Musapitirire ndi ndalamazo, mwatsoka, iyi si njira yokhayo yowonjezera ndalama. Makhadi ogulitsa, kuchotsera nyengo ndi malonda, mamita - zonsezi zidzakuthandizani kumvetsetsa pamene mukugula ndi malipiro oyenera.
7. Lolani nokha kuwerengera ndalama - izo zikukonzekera ndikukulolani kuti mudziwe kumene aku "kutuluka."
8. Ngati mutangotenga ndalama, musafulumize kuigwiritsa ntchito, khalani ndi maganizo awa, kenako yang'anani, ndikusintha maganizo anu, kupeza kugula sikofunikira.

Kufotokozera mwachidule, tikuwona kuti wothandizira wofunikira pa kayendetsedwe ka ndalama za banja lanu akukonzekera. Mulimonse momwe mungagwiritsire ntchito bajeti ya banja lanu (ndalama zambiri, ndalama zambiri kapena zosiyana), kukonzekera kukuthandizani kudziwa zolinga zanu zachuma ndikuzikonza ndi kusintha kwa moyo weniweni wa banja, osati wongopeka. Ndipo kukonza ndi kusanthula bajeti ya banja kudzakuthandizani kugwiritsira ntchito njira zomwe mumapeza ndipo pogwiritsa ntchito ndalama zowonetsera ndalama, musawatsogolere zokhazokha, komanso zolinga zanu. Izi sizikuthandizira kuthana ndi mavuto a zachuma m'moyo wa banja, komanso zimatsogolere kumoyo wabwino.