Momwe mungamangire ndalama zadzidzidzi ndi ndalama zochepa?

Kukhala ndi ndalama zowonjezera zopezeka pakagwa mwadzidzidzi ndikofunikira kuti mukhale ndi thanzi labwino lazachuma. Khalani ndi ndalama zokwanira kuti muthe Kulipira ndalama zolipirira miyezi itatu kapena sikisi ndi lingaliro lofala chifukwa akhoza kukhala othandiza kwambiri pa nthawi yamavuto. Kwa anthu ambiri, ndalama zadzidzidzizi zimatha kuwonjezera nambala yowopsa - ndipo zitha kukhumudwitsa ngakhale wopulumutsa yemwe ali ndi zolinga zabwino.

Koma musataye mtima musanayambe! Masewera opulumutsa nthawi zambiri amakhala amalingaliro - ndipo mutha kupambana. Ngakhale mutangoyamba kumene, kuika ndalama pambali nthawi zonse, ngakhale zochepa, zidzakulolani kuti mukwaniritse cholinga chanu. Zimangotengera nthawi ndi mwambo pang'ono.

Ngati mwakonzeka kuyamba - makamaka ngati mukuganiza kuti simungathe - apa pali malingaliro ena omwe angapangitse kumanga thumba lanu ladzidzidzi kukhala kosavuta.

Komabe, kupanga ndalama zadzidzidzi sikokwanira kukhala ndi ufulu wachuma. Chifukwa chake, ndikukupatsani maphunziro athu apamwamba omwe amakupatsaninso mwayi wophunzirira momwe mungakonzekere kupuma kwanu ngakhale mutakhala ndi ndalama zochepa. Maphunzirowa amakudziwitsaninso momwe mungakonzekere bajeti ya banja lanu, kuchotsa mavuto azachuma ndi zina zambiri. Mulimonsemo, dinani ulalo uwu.

Kodi thumba lazadzidzidzi ndi chiyani?

Chinthu choyamba panjira ndikumvetsetsa kuti thumba ladzidzidzi ndi chiyani. Thumba lazadzidzidzi ndi ndalama zomwe mwasunga ndi cholinga chokhacho chokuthandizani kuti mukhale ndi moyo wabwinobwino ngakhale mukukumana ndi zovuta zadzidzidzi zomwe moyo umakuponyerani.

Nthawi zambiri, simuyenera kukhudza thumba lachiwopsezo nkomwe - limangokhala kuti lipeze chiwongola dzanja ndikudikirira mpaka mutayifuna. Mukataya ntchito. Chipangizo chikawonongeka. Pamene galimoto yanu ikufunika kukonza.

Zolemba zoti muwerenge: Ntchito zosiyanasiyana za banki

Nthawi zambiri, anthu omwe alibe ndalama zothandizira mwadzidzidzi amawona lingaliro losunga ndalama ngati chilango - pambuyo pake, ndalama zomwe zimayikidwa muakaunti yosungira ndikutsekeredwa ndi ndalama. moyo?

Simuyenera kuchita mantha kwathunthu ngati galimoto yanu ikusweka kapena mutataya ntchito kapena mwadzidzidzi muyenera kusintha chotenthetsera chamadzi.

M'malo mopeza njira yoyika ndalamazo pa kirediti kadi kapena kufunsa mnzanu ndalama kuti akuthandizeni, mutha kungolipira biluyo - osadandaula.

Nkhani ina yomwe ndimamva nthawi zambiri ndi ndalama zadzidzidzi ndi chiyeso chomwe anthu amawononga ndalama pazinthu zomwe sizili zadzidzidzi.

Amawona kuti asunga ndalama zokwana madola mazana angapo ndipo ayamba kuganiza zogula TV yathyathyathya kapena kupita paulendo - ndipo ndi zomwe akuchita.

Ngati mukufuna kukhala ndi akaunti yosungiramo ma splurges akuluakulu, ndizabwino - yambaninso "thumba la splurge", ngati izi zikumveka kwa inu. Ndikofunika, komabe, kusiya thumba ladzidzidzi nokha mpaka mutayifuna.

Ikani ndalama mmenemo ndipo musayang'ane ngakhale pamlingo mpaka vuto lenileni lichitika.

Njira zoyamba zopangira ndalama zadzidzidzi

Ikani cholinga chanu choyamba kukhala chochepa

Ndiye sitepe yoyamba ndi iti? Anthu ambiri amakhazikitsa cholinga chachikulu cha thumba lawo ladzidzidzi patsogolo kenako zimawavuta kuti akafike kumeneko. Miyezi isanu ndi itatu ya ndalama zolipirira ndi cholinga chachikulu, chomwe chingatenge zaka kuti chifikire - ndipo m'njira, mutha kukhumudwa.

M'malo mwake, njira yabwino yoyambira ndikudziikira cholinga chololera. Pangani cholinga chanu choyamba kukhala ndi thumba lachidziwitso chokha 250 $ ou $ 500.

Ndi cholinga chomwe mungakwaniritse m'miyezi yowerengeka koma ndi ndalama zomwe zingapangitse kusiyana kwakukulu mukakhala ndi ngozi.

Kenako, gawani cholingacho kukhala tizigawo ting'onoting'ono. Mutha kusunga 25 $ pa sabata.

Ngati ndi choncho, mutha kukhala ndi thumba lachangu la 250 $ mu masabata khumi okha, kotero inu mukhoza kupanga kuti cholinga chanu chonse. Mwina mukhoza kuika pambali 40 $ pa sabata, zomwe zingakufikitseni ku cholinga cha 500 $ m'miyezi itatu.

Nkhani yoti muwerenge: Zonse zomwe muyenera kudziwa za chitsimikizo cha banki

Langizo langa ndikuti musakhazikitse ndondomeko yanu yosungira ndalama kwambiri poyamba. Kaya malinga ndi kuchuluka komwe mungasunge sabata iliyonse kapena ndalama zonse. Izi zikuyenera kukuvutitsani pang'ono, koma osati kukhala nambala yosatheka.

Pezani malo anu opumira

Ndi zabwino, mukuganiza, koma ndipeza kuti 25 $ pa sabata? Sindingathe kupeza zofunika pa moyo pano.

Ndi malingaliro abwino omwe anthu angoyamba kumene kusintha chuma chawo. Pali njira zambiri zopezera ndalama zowonjezera mwezi wonse. Mumayang'ana njira izi: Momwe mungapangire ndalama pa intaneti.

Njira zoyambira thumba lanu ladzidzidzi

Funsani kuti muchepetse mitengo pamakhadi anu angongole

Ngati muli ndi khadi la ngongole, kuchepetsa chiwongoladzanja chanu kudzakupulumutsirani ndalama mwezi uliwonse. Ingotembenuzani kirediti kadi yanu, funsani kuti mulankhule ndi woyang'anira, ndipo ingopemphani kuti mtengowo uchepe. Limbikitsani kuti mutenge ndalama zanu pakhadi.

Ponena za izi, mungaganizire kusamutsa ndalamazo pa khadi lopanda chiwongola dzanja za kusamutsa, zomwe zingakuthandizeni kulipira ngongoleyo mwachangu. Onani nkhaniyi kuti mudziwe momwe mungachepetsere ndalama za banki padziko lonse lapansi.

Sinthani ndalama zanu zokha

Kusawona, Kupanda Maganizo: Njira yosavuta yopulumutsira ndalama ndi kusakhudza izo poyamba. Olemba ntchito ambiri amapereka ndalama mwachindunji, ndipo ena amasungira ku akaunti yoposa imodzi.

Tsegulani akaunti ina ya thumba lanu ladzidzidzi ndikusungitsa ndalama zanu zokha, kaya ndi abwana anu kapena banki yanu.

Gwiritsani ntchito akaunti yosungira kapena mtundu wina wa akaunti yomwe simungathe kuyipeza mosavuta, mosiyana ndi a akaunti yapano. Mwayi simudzaphonya.

Ndipo osayang'anira kuchuluka kwa akauntiyo, zimangopangitsa kukula kucheperako komanso pang'onopang'ono. Iwalani ndipo lolani nthawi kuti igwire ntchito yake.

Nawa chitsogozo chokwanira chokuthandizani kudziwa zambiri zamaakaunti aku banki omwe mungapange.

Osawonjezera ndalama zomwe mumawononga pamwezi kapena kutsegula makhadi atsopano angongole

Kusunga zinthu zikangochitika zokha, musatengeke ndi maganizo olakwika okhudza chuma n'kulola kuti ndalama zibwerenso.

Mwachitsanzo, ngati musiya nsapato zatsopano mwezi uliwonse kuti musinthe pakapita miyezi ingapo ndi chizolowezi chatsopano chogula, ndiye kuti simukupulumutsa!

Ngati mukadali nawo 50 $ Komanso mwezi uliwonse, kuchuluka kwa ndalama zanu zosungira kungakhale kochepa kwambiri. Ngati mulibe 50 $ kuonjezerapo, mutha kukhala ndi ndalama za kirediti kadi. Ngakhalenso sichabwino.

Simuyenera kusiya kusangalala ndi moyo pamene mukumanga thumba lanu ladzidzidzi, koma musaiwale kufunika kwake.

Kukhala ndi thumba lokwanira lazadzidzidzi ndikofunikira pazachuma chanu. Khalani owona, koma yesani kukwaniritsa cholinga chanu chosungira mwachangu momwe mungathere. Zimenezo zokha zingapangitse moyo kukhala wosangalatsa.

Gwiritsani ntchito mndandanda wazinthu zogula

Kukonzekera kwa mphindi khumi musanapite kukakupulumutsirani osachepera mphindi khumi mu sitolo, ndipo kudzakuthandizani kukhalabe olunjika pa zinthu zomwe mukufunikiradi, motero kuchepetsa bilu yanu ya golosale chifukwa mumayika zinthu zochepa zosafunikira mudengu.

Tembenuzani splurge imodzi pamwezi

M'malo mopita kukadya chakudya chamadzulo chamtengo wapatali kamodzi pamwezi, sinthani chakudyacho kukhala chakudya chokonzekera kunyumba. Mudzapulumutsa pang'ono, ngakhale mukuphika chinachake chokongola kwambiri kukhitchini yanu.

Osasunga zambiri

Kapena, molondola, musawononge ndalama zambiri pathumba lanu ladzidzidzi.

Mwa kutanthauzira, thumba ladzidzidzi ndi ndalama zomwe mungathe kuzipeza mwamsanga. Izi zikutanthauza kuti mumazisunga m'galimoto yotsika kwambiri ngati a akaunti yosungirako zomwe zimapereka chiwongola dzanja chochepa kwambiri.

Pazifukwa izi zokha, muyenera kusiya kupereka nawo ku akauntiyi mukangokwaniritsa cholinga chanu chachikulu.

Yambani kuyika muakaunti yomwe idzayamba kupanga ndalama payokha - makamaka maakaunti anu opuma pantchito, pomwe nthawi ingalole kuti ibale zipatso zambiri.

Ngati mukuda nkhawa kuti simungathe kutero monga momwe ndakufotokozerani, musachitenso manyazi. Nawu ulalo wothandizana nawo womwe umakulolani kugula maphunziro ndikukhala mbuye wandalama zanu.

Konzani malo osambiramo magalimoto

Pezani munthu yemwe amakhala pafupi ndi inu ndikugwira ntchito komwe muli ndikuyamba kuyenda limodzi.

Ngakhale mutachita izi masiku angapo pa sabata, mudzachepetsa kwambiri ndalama zoyendayenda, ndipo zidzakhala zovuta kwambiri kuti muyime chifukwa cha splurges zopupulumazo.

Gwiritsani ntchito zoyendera za anthu onse

Kupitilira apo, khalani ndi chizolowezi chogwiritsa ntchito basi pamaulendo anu atsiku ndi tsiku. Matawuni ambiri ali ndi njira zabwino zoyendera anthu onse - ndipo ndizotsika mtengo kuposa kuyendetsa nokha.

Pitani panjinga

Mukufuna kuyamba kukhala bwino? Kodi mumakhala mtunda wa kilomita imodzi kapena ziwiri kuchokera kuntchito yanu? Iyi ndi nthawi yabwino kugula njinga ndikuyamba kuigwiritsa ntchito poyenda m'malo mowononga ndalama zanu pamafuta ndi kukonza magalimoto.

Chepetsani ndalama zolipirira pamwezi zosafunikira

Kodi mumalembetsa ku Netflix koma simuigwiritsa ntchito kawirikawiri? Dulani! Kodi mumalipira mayendedwe apamwamba kwambiri omwe simumawawonera? Dulani iwo!

Snowflake

Nthawi zambiri, anthu akalandira ndalama mosayembekezereka, amakonda kuwononga popanda kuganizira. Amasankha kuti asayime kuti amwe khofi, koma amasankha kuti adzagwiritse ntchito pambuyo pake potenga, mwachitsanzo.

M'malo mogwiritsa ntchito "ndalama zomwe mwapeza", tengani zina kapena zonse ndikuziyika m'thumba lanu ladzidzidzi. Ngati muli ndi mautumiki kubanki pa intaneti, ndizosavuta: ingosamutsa ku akaunti yanu yamakono.

Chinsinsi apa ndikusunga ndalamazo. M’malo mongowononga ndalamazo pa chinthu china, ikani ndalamazo pambali pa thumba lanu lazadzidzidzi.

Ngati mupeza kuti mumasunga zambiri kuposa 50 $ pa sabata ndi njira izi, ikani zambiri mu thumba ladzidzidzi kapena onjezerani ndalama zomwe mumasungira mu ndalama zanu zopuma pantchito.

Pangani izo zokha

Ndiye mwachepetsa ndalama zomwe mumawononga 50 $ pa sabata, koma tsopano muli ndi ndalama kumeneko ndipo ndi kuyesa kuwononga izo pa chinachake chosangalatsa kuposa thumba mwadzidzidzi. Mwayesedwa...

…koma simukuyenera kuyesedwa. M'malo mwake, mutha kukhazikitsa ndondomeko yosungira ndalama kuti musese ndalamazo kuchokera muakaunti yanu yoyang'anira ndikuyika muakaunti yanu yosungira yomwe mumagwiritsa ntchito thumba ladzidzidzi.

Ngati simunatero, ndikupangira kuti mukhazikitse akaunti yosungira pa intaneti kubanki yosiyana ndi yomwe mumachita nayo bizinesi ya thumba lanu ladzidzidzi.

Kuchita izi sikungokulolani kuti mufufuze banki yokhala ndi ntchito zabwino komanso mitengo yabwino ya akaunti yosungirako , koma zimakupangitsani kuti muyike ndalamazo pamalo omwe si ophweka kupeza.

Simungangothamangira ku ATM kapena kuyima pa ATM ndikuchotsa ndalama - muyenera kupita pakompyuta yanu, kuyitanitsa kusamutsa ndikudikirira tsiku limodzi kapena awiri kuti mupeze ndalamazo, zomwe ndi nthawi yokwanira kuti muganizire. mosamala pa zimene mukuchita, osati kutengeka ndi mopupuluma.

Khazikitsani zofunikira panjira

M'miyezi ingapo, mudzafika pachimake choyambiriracho - ndipo mudzakhala bwino. Nkhaniyi idzakhala ndi ndalama zokwanira kuti muyambe kupeza chiwongoladzanja ndipo mudzayamba kulamulira.

Tsopano ndi nthawi yoti tipitilize. Khalani ndi cholinga china : thumba ladzidzidzi la $ 1. Sungani ndondomeko yosungirayi yokha.

Cholinga ichi chikakwaniritsidwa, konzekerani mwezi umodzi wa ndalama zolipirira. Kenako miyezi iwiri. Ndiye atatu. Ndipo pitilizani kuyang'ana thumba ladzidzidzi likukula.

Mwachiwonekere, mukachita izi mwadzidzidzi, gundani thumbalo. Osayika bilu yanu yokonza galimoto pa kirediti kadi.

Osayamba kukhala ndi pulasitiki mukakhala pakati pa ntchito. M’malo mwake, pitirizani kukhala ndi moyo wokhazikika m’zachuma mwa kukonzekera kwanu pasadakhale.

Powombetsa mkota…

Mutha kupeza kuti ndizosangalatsa kwambiri - kotero mutha kuyamba kufunafuna njira zina zosungira. Pitirizani kudziikira zolinga ndikupitiriza kudzikakamiza pang'ono kuti mukafike.

Musanadziwe, moyo wanu sudzasokonezedwa ndi ngozi yamtunduwu - ndipo mumagona bwino usiku podziwa izi. Pazinthu zina zonse kuti zikuthandizeni kusamalira bwino ndalama zanu, ingoyang'anani shopu yathu.

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