Personal dongosolo la zachuma, kapena njira ndalama zawozawo

anthu ochepa a anthu ndi Mwachibadwa ndi chikondi kwa dipatimenti mlandu. Ambiri a ife pa mawu "ndalama mapulani", "mtengo kukhathamiritsa", "Bajeti" ndi akuyamba involuntarily yawn. Ndipotu, izo zonse amaoneka choncho kuzimiririka zikakhala inuyo. Ambiri bwino zinthu kumene sabata pambuyo polandira ndalama malipiro ndi "chabe" kwa lotsatira, ndipo mu sabata kapena awiri likukhalira kuti nthawi kuyang'ana kwa wokongoza kuti tsiku lolandila malipiro lotsatira. Aliyense akudziwa - Ndalama sizichitika kwambiri. Komabe, aliyense ali ndi muyezo yake kuti "ang'ono-zambiri", koma kuti ndi nkhani osiyana.

Sankhula mbuye nzeru zonse zachuma kuphunzira mmene bwino kukonzekera ndalama zawo ndalama. Nthawiyi, chidziwitso zikuluzikulu ndi luso mderali akanatha kwa munthu aliyense, kaya kukula ndalama ndi banja. Kusunga bajeti akhoza kulivomereza chifukwa mfundo zosavuta kwambiri, ndi theoretically kudziwika kwa aliyense. Only zinthu zambiri izi ndi chiphunzitso ndi chifukwa cha ulesi kapena kusowa chikhulupiriro.

Kodi kulemba dongosolo ndalama

Chinthu choyamba kumvetsa ndi kukonza zimene tili mu mawu a ndalama zolowa. Aliyense amene alandira zambiri kapena zochepa khola malipiro, ndalama kuchokera iyankha kupirira mosavuta. Koma kudziwa kuchuluka kwa ndalama adzayenera kugwira ntchito molimbika. Tiyenera kuyamba kulemba pansi ndalama yanu onse tetradochku (kompyuta file, pulogalamu apadera, umene walembedwa - amaganizira asankhe okha limodzi kuti kukoma kwanu). Mawu ofunika kwambiri pa chiweruzo lomaliza - chirichonse, chifukwa, pambuyo pa mwezi, mudzakhala odabwa mmene ndalama ntchentche pafupifupi "paliponse."

Patapita mwezi kapena Nkhani ziŵiri mosamala, mukhoza kuyamba kusangalala gawo - pa kusanthula. mphindi ino ndi zinadzala ndi ambiri "atulukira zodabwitsa" ngakhale kwa anthu amene alibe ndalama mosasamala. Nkofunika kuti tisanthule osati zinthu zonse zolowa, kusintha iwo m'tsogolo, komanso chiŵerengero ndalama ndi ndalama. Ichi ndi chifukwa chabwino kuganiza kuti: mwina bwino kuyesetsa kuti kumangitsa chuma, ndi khama kuti ndalama zambiri?

Onse kuganizira mwakuya, muyenera kulenga munthu dongosolo la zachuma. Apa - ufulu wonse wa zinthu, kutenga nkhani, ndithudi, kusanthula m'mbuyomu.

• Mukhonza analimbikitsa kuonetsetsa amenewa nkhani monga "ndalama mosayembekezera", ndikuika pafupifupi 10% ya zasungidwa. Ziri ngati kukonza - moyo nthawi zonse chitaya mpaka zodabwitsa. Osati kusokonezedwa ndi ndalama mimba zikuluzikulu "tsiku mvula"! Ngati simungathe kuthera ndalama m'gulu anadabwa, mukhoza bwinobwino kuutaya - osachepera yomweyo, ngakhale nokha chinachake amadzipereka.
• Personal dongosolo ndalama kuyenera kuphatikizapo nkhani yakuti, "kudzikundikira". Akatswiri onse m'munda ndi chimodzi mwa kunena kuti 10% akhoza bwinobwino pambali osayang'ana kukula kwa zasungidwa, kuti zingaoneke, kuti molimbira lamba si omangika. Ndiponso, izi 10% wololera nthawi yomweyo kumasulira kwa buku lapadera laku banki, kuti palibe mayesero yocheza. Munthu wopanda moyo wina nkhokwe ndalama, sangapatsidwe osati mawa, koma mu tsiku lino.
• Kupanga dongosolo ndalama sayenera kwambiri lingachepetse ndalama za umoyo ndiponso maphunziro. ndalama zimenezi zikhoza kuonedwa monga chopereka kwa m'tsogolo, chifukwa munthu wodwala ndi chodziwikiratu kuti athe mokwanira zowathandiza ndi okondedwa, ndi kukapitiriza maphunziro amapereka zina magwero a ndalama.
• Muyenera bwino kuganizira bwinobwino, "olondola" njira ndalama, mwachitsanzo popanda kuwonongeka yokha. Konza mtengo angakhale osiyana - mwachitsanzo, buku shopu online, kusankha tariff yabwino aya mafoni TV digito, osati kupewa m'matangadza, malonda, malo kuchotsera (tsopano kwambiri), etc.
• Ngati dongosolo wanu ndalama kumaphatikizapo item amenewa, monga kusuta, chulukitsani ndalama m'gulu la mwezi watha ndi 12, ndipo kenako chiwerengero cha zaka zimene mukufuna kucheza kwambiri. Kodi mungakonde zotsatira? Mudakali kupereka pa denzhischi ndiyo musiye moyo wanu utachepa kwambiri? Wosakwiya kudzipha ndalama - zokayikitsa ndalama.
• Ndipo otsiriza. Ndalama ntchito. Ngati pali yopeza - kuchita izo (zabwino zokha amaganiza - kumene), ngakhale mlingo banki chidwi ndi otsika, koma akupeza izo akadali zabwino. The ndalama zambiri kutembenukira, liwiro iwo kudziunjikira. Kodi usakhale woumira, komanso kusiya kuononga. Chipambano!