Kuchokera pachitsulo chilichonse chomwe muyenera kupukutira lamba ndi chisangalalo, muziwononga zochepa, sungani zochulukira. Mkazi wanga pa njinga izi adazitsogozedwa ndipo, chifukwa amatsogolera bajeti yabanja, adapulumutsa zovuta pachilichonse. Zotsatira zake, sitinakhale ndi tchuthi, titha kukwanitsa pang'ono, ndipo kunalibe mawu okhudza kuchuluka kwake. Kenako ndidaganiza zotengera zomwe banja la Banja limalamulira m'manja mwanu. Tikuyembekezera kunena kuti osakafuna ntchito yatsopano ya ndalama m'banja lathu, zidakhala zochulukirapo.
Chinsinsi cha kukongola kwa ndalama kumayandikira chifukwa chosadziwika kuti ndifeaka zomwe timapeza, ndikofunikira momwe timathanirana. Mfundo zanga zowononga ndalama sizinsinsi pa Zisindikizo Zisanu ndi ziwiri, koma 99% ya anthu okhala ku Russia sabwera monga momwe ndimakhalira. Ndiye chifukwa chake adawalanga kwambiri.
Chinthu choyamba chomwe ndidachita nditasiya kupereka ndalama za mkazi wanga kulengezedwa ndi ndalama zatsopano zowonekera. Ndinawombola ngongole zonse mwachangu ndipo ndinakana moyo pa ngongole.
Kachiwiri, ndinamuuza mkazi wanga kuti tsopano tikhala ndi ma ruble ruble a mwezi uliwonse sindinapeze phindu (ndipo ndimapeza zochuluka kuposa kuchuluka kwake).
Ndinasinthanso malingaliro anga azachuma
Tsopano, ndikaganiza zokhala ndi ndalama zina, ndimayang'ana mtengo osati kugwiritsa ntchito, koma ngati ndalama. Iyi ndi yofunika kwambiri. Yesani kudziona nokha - yang'anani ndalama, monga ndalama ndi ndalama zanu zoti mugule mwanzeru, ngati matalala mu masika.Mkazi wanga sadziwa momwe angayang'anire gawo lothetsa komanso limakondweretsa. Ngati mukufuna kukonza mavuto anu azachuma, nthawi zonse mosamala, ndiye kuti, ikani ndalama.
Ndidakhazikitsa cholinga chofuna kukhala ngati dongosolo
Kukhala ndi moyo, chifukwa dongosolo limatanthawuza kuti ndimagwira ntchito, ndikuyika ndalama ku chumacho, ndimapeza peresenti kuchokera ku katundu. Pano chifukwa ichi ndimatha kukhala ndi moyo. Zachidziwikire, pakupanga ndalama, zimakhala zovuta kupanga njira yamphamvu yazachuma, koma ndapeza kale mitsinje ing'onoing'ono.
Tsopano ndimayang'ana ndalamazo, monga mbewu. Ndimawakonzera, ndimalira mpendadzuwa, womwe uli ndi mtanga wonse wa mbewuzi. Gawo la njere ndimagwa kachiwiri, komanso gawo lina lakuchotsa. Uwu ndiye moyo wakale.
Tiyenera kumvetsetsa kuti si mbewu iliyonse yomwe idzakwera. Penapake adzavunda (ngati ruble), penapake kuti dothi lidzaungiridwira (monga magawo ena), zomwe zikutanthauza kuti mbewu idzazimiririka.
Kuti izi sizinali zofunikira kuti mudzipereke ndi chidwi chachikulu chofesa mbewu. Amayitanidwa kuti awerengere khutu lalikulu la ndalama. Wangwiro ngati zimapangidwa.
Popeza adadutsa gawo ili, kuyika ndalama zoyambirira (adayikamo), ndidayamba kulandira ndalama. Lero sindingayerekezenso momwe mungasungire ndalama ndi momwe mungakhalire pa malipiro amodzi (ndi nthawi yochulukirapo kuti mugwiritse ntchito).
Ndikukonza zomwe ndaziganiza bwino zomwe ndimaganiza kusintha mkazi wanga, komabe ndimakhala ndi zakale.