Momwe mungadziwitse pa malotowo ngati mukufuna china chake

Komabe, sikokwanira kulembera ndalama zawo ndi ndalama zawo - palibe ntchito imodzi ya madongosolo. Chovuta kwambiri kutsatira tchati chachuma. Pofuna kuti musapitirire kupitirira zovomerezeka, muyenera kuphunzira malingaliro awiri akulu.

Zowona ndi motere: Nthawi zonse sitikhala kokwanira

Kumbali ina, tinali ndi mwayi kwambiri kukhala m'dziko lomwe mungatuluke mnyumbamo ndipo mu radius wa kilomita imodzi amapeza masitolo akuluakulu angapo, omwe ena angakhale kuzungulira koloko. Komabe, zokhumba zathu zinakumana ndi zinthu zochepa kwambiri. Ndiye kuti, pali chisankho chovomerezeka, koma ambiri omwe ambiri sangakwanitse kugula izi ndikupanga kupeza mogwirizana ndi chikwama chawo, osafuna. Ndipo mwadzidzidzi kuti musapereke kanthu kofunika kwambiri, muyenera kuphunzira kuyika zinthu zofunika kwambiri.

Bajeti yabwino ndi yodekha komanso yolimba mtima

Gwirizanani kuti kupsinjika kumakhala kocheperako, ngati mukudziwa: kwinakwake mu envelopu kapena pa akaunti yapadera, pilo imabzalidwa kubanki. Kupatula apo, palibe zana limodzi lomwe angakhale otsimikiza mawa. Ndipo ngakhale titakhala bwanji, koma sikuti zonse m'moyo wanu titha kukopa: kukakamiza kumwa, ndi kutayika mwadzidzidzi, mwatsoka, mavuto azaumoyo. Ndi kuchepetsa zowawa za tsoka sizipweteka kulera zida zachuma.

Kumvetsetsa kwachuma kumabwera chifukwa chokwanira pakadali pano sichofunikira pakadali pano, komanso nthawi yayitali, zovuta zakukonzekera sizimadziwikanso ngati chinthu chosayenera. Ndipo apa tikupita ku zochita zina.

Chifukwa cha zomwe zimasungidwa ndi ndalama zanu

Apa muyenera kuganizira za malipiro anu (ndipo malipiro a mamembala onse am'banja), ndipo ngati mumapereka nyumbayo, ndiye kuti ndalamazo zitheke. Mwina munalembapo zida zowonjezera ndi kuchuluka. Ndalama zomaliza ndi katundu wanu. Chuma kuchokera ku malonda ogulitsa nthawi imodzi (mwachitsanzo, magalimoto) kapena ndalama za mphatso sizikuphatikizidwa pano.

Pexels / Nataliya Vaitkevich ali kuti ndalama, lebockski?

Kugwidwa, komwe ndalama zimapita mwezi uliwonse. Raerphoto, chakudya, zovala, zovala, zonyamula zosewerera zachipatala, zolipiritsa, zolimbitsa thupi, zosangalatsa, zomwe zingalowe mu gulu la ndalama zonse. Kuti akwaniritse kusanthula koteroko kugwiritsa ntchito mabanki - ambiri aiwo amangoganizira zowerengera ndalama mukamalipira kugula khadi. Tengani lamulo kuti muwonjezere ndalama zanu zonse mu pulogalamu yomweyo kuti ziwerengerozi ndizodalirika.

Kusanthula kwa ndalama

Kwa ambiri, zitha kudabwitsidwa kuchuluka kwa ndalama zomwe zimagwiritsidwa ntchito pogula zokha. Zingawonekere: Kugulitsa, T-sheti yochotsera, ndipo ngati mutenga awiri, ndiye mphatso imapereka zazifupi. Kapena ulendo woti mkaka ndi mkaka mu malo osungira modzidzimutsa adayamba kugula zinthu sabata. Kapena osati sabata? Mapakitala a packet akadzaza, zimapezeka kuti palibe chofunikira chomwe chidatengedwa. Ndipo kotero mwezi uliwonse kapena zoyipa - sabata iliyonse. Ngati mulemba mndandanda wazinthu zofunika pasadakhale ndikumakhala ndi ndalama zochepa, kuti mulipire zinthu zomwe zasankhidwa, simudzagwiritsa ntchito kwambiri.

Zolinga ndi kuchuluka kwa zomwe angawononge

Chifukwa chake, muganiza chifukwa chake ndi ndalama zomwe muyenera kubala. Mwachitsanzo: Mukufuna kupanga "Airbag" kuti muphe ndalama zopita ku Europe, bweretsani ngongoleyo, tumizani mwana kuphwando la kubadwa, ndipo inenso ndi vuto la wamano. Ndipo izi sizikuwerengera ndalama zomwe zilipo "m'moyo". Pali kuchuluka kwa zolingazo ndi kuchuluka kwa chiphunzitsocho ndikupeza ndalama zanu zonse.

Pexels / thonjetsani katundu ndi ngongole

Mwina kuchuluka kwa katundu kumakhala zovuta zochepa. Palibe vuto! Wokhala ndi chida, cholembera, chowerengera ndikuyamba kugwiritsa ntchito ndalama.

Kuchita kumawonetsa kuti mtengo waposachedwa kumatha kudulidwa ndi 20-30% popanda tsankho. Zachidziwikire, pali magulu oterowo omwe sangathe kudula: renti, mankhwala kapena ndalama zophunzitsira mwana. Koma apo ayi mutha kuwongolera zowunikira. Mwachitsanzo: Palibe kugula kampani - pewani kugula zovala kapena moyo; Kugula zinthu - nthawi yomweyo kwa sabata limodzi, kuti musabalalikire pa keke kapena pizza pambuyo pantchito; M'malo mwa taxi - basi; M'malo mwa khofi ndi ine - khofi kunyumba mu thermocruse. Masabata angapo a boma lotere, ndipo mudzapeza ndalama zowonjezera mu chikwama chanu.

Mtengo wa zolinga ndi maloto ndizabwino chifukwa ambiri aiwo amatha kutambasulidwa munthawi ya chilimwe, mutha kuyamba kusungitsa chaka chatsopano. Kuphatikiza apo, sikofunikira kulota maloto onse nthawi imodzi. Choyamba Pendani ngongole, ndiye kuti mugule mphatso kwa bwenzi la tsiku lanu lobadwa, kenako perekani maphunziro kapena zolembetsa.

Mwaukadaulo, ndizosavuta kuchita. Mutha kutsegula maakaunti angapo a pinki mu banki ndikumasulira kumatanthauza magawo kuchokera kwa malipiro aliwonse kumeneko. Ndipo mutha kugawa magawo osiyanasiyana opeza ndalama. Mwachitsanzo: Malipiro omwe akulipira pano, chidwi cha ndalama - mphatso ndi tchuthi.

Kugawa ndalama zogulira ndikuchepetsa komwe kuli kotheka, kugwiritsa ntchito ndalama kwapano, mudzawona momwe malirewo pakati pa malonda ndi maulalo angachepe koyamba, kenako kumatenga konse. Chilichonse, dongosolo la bajeti lakonzeka! Poyamba, sizingakhale zovuta kutsatira ndalama zonse zolipira, ndipo probalirbere broad. Osadzifalikira, chilichonse chimabwera ndi zokumana nazo. Makamaka okhumudwa kupitiliza kutsatira dongosololi kungakhale kutha kwa mwezi. Mukazindikira kuti zomwe zikulota zatha ndalama, zizolowezi zanu zikulimbana ndi chikumbumtima.