Momwe mungapangire bwino ndalama?

Ndondomeko yazachuma ndi njira ya ndalama zanu ndipo imakuthandizani kukwaniritsa zolinga zanu. Kukonzekera kwachuma kungatheke nokha kapena ndi katswiri.

Ndondomeko ya zachuma ndi chithunzi chathunthu cha ndalama zomwe muli nazo panopa, zolinga zanu zachuma, ndi njira zonse zomwe mwakhazikitsa kuti mukwaniritse zolingazo. Kukonzekera bwino kwachuma kuyenera kukhala ndi tsatanetsatane wa ndalama zanu, ndalama zanu, ngongole zanu, ndalama zanu, inshuwaransi yanu ndi chinthu china chilichonse cha moyo wanu wazachuma.

Palibe amene amasamala za chuma chanu kuposa inu. Choncho ndikofunikira kukhala ndi a ndondomeko zachuma nokha. Kukhala ndi dongosolo lolimba lazachuma kumakupatsani mwayi wosunga ndalama, kugula zomwe mukufuna, ndikukwaniritsa zolinga zanthawi yayitali monga kusungira koleji ndi kupuma pantchito.

M'malingaliro anga, kukonzekera ndalama ndikofunikira, makamaka kwa amayi chifukwa cha kusiyana kwa malipiro a jenda. Zimakuthandizaninso kukwaniritsa zanu liberté zachuma.

M'nkhaniyi, ndikuyendetsani zonse zomwe muyenera kudziwa kuti mukonzekere tsogolo lanu lazachuma. Pitilizani kuwerenga, kenako konzekerani kuchitapo kanthu kuti muyambe dongosolo lanu lazachuma.

Kodi Financial Planning ndi chiyani?

Kukonzekera kwachuma ndi njira yopitilira yomwe kuchepetsa nkhawa zanu pazandalama, idzakwaniritsa zosowa zanu zamakono ndikuthandizani kumanga chisa cha zolinga zanu za nthawi yaitali, monga kupuma pantchito. Ndikofunikira chifukwa zimakulolani kuti mupindule kwambiri ndi katundu wanu ndikukuthandizani kuti mukwaniritse zolinga zanu zamtsogolo.

Elle sikuli kwa olemera okha : Kupanga mapu a tsogolo lanu lazachuma ndi kwa aliyense. Mukhoza kupanga ndondomeko yazachuma nokha kapena kupeza chithandizo kuchokera kwa katswiri wokonza zandalama. Chifukwa cha mautumiki apa intaneti monga robo-advisor, kupeza thandizo pakukonzekera zachuma ndikotsika mtengo komanso kupezeka kuposa kale.

Zoyenera kuchita poyamba 

Tiyeni tiyambe ndi kupanga mndandanda wa zinthu zomwe mungafunike kuti mupite ku chitetezo cha zachuma. Zinthu izi zili pansipa ndizofunikira pazachuma chanu:

• Bajeti ya mwezi uliwonse yokuthandizani kuti musawononge ndalama zomwe mumapeza
• Dongosolo lakubweza ngongole zanu ndi ndalama (pogwiritsa ntchito bajeti yanu)
• Kumvetsetsa ma invoice anu onse ndi masiku ake omaliza
• Akaunti yolipidwa mokwanira
• Ndalama zopuma pantchito ngakhale mutakhala ndi ndalama zochepa
• A diversified investment portfolio
• Njira zingapo zopezera ndalama
• Kusungira zinthu zina zomwe mukufuna (mwachitsanzo, zolinga zanu zazifupi, zapakati komanso zazitali)
• Mtundu woyenera wa inshuwaransi (Moyo, thanzi, kulumala, nyumba, etc.)

Zoyenera kuchita kenako 

Musaganize kuti kuchedwa kwambiri kapena mochedwa kuti mukhale ndi ndondomeko ya zachuma. M'malo mwake, ino ndiyo nthawi ZABWINO kuti tiyambe!

1. Dongosolo lanu

Ngati ndinu osakwatiwa, ndikofunikira kukhala ndi dongosolo lazachuma lomwe silimangokuthandizani kukwaniritsa zolinga zanu zanthawi yomweyo, komanso kuonetsetsa kuti tsogolo lanu likusamalidwa. Kumatanthauza kuchita zonse zomwe tazitchula pamwambapa popanda kuganiza kuti zinthu zidzayenda mwanjira ina.

Kulakwitsa kwakukulu? Kungoganiza kuti mumakumana ndi munthu amene adzakusamalirani ndikusamalira ndalama za ubale wanu.

Ngati ubale wanu ukusintha kapena ngati muli pabanja, mudzakhala okonzeka kukonzekera bwino ndalama zanu ngati muli nazo kale zinthu zanu.

2. Ndondomeko ya ukwati wanu

Ngati mwakwatiwa kapena muli ndi wokondedwa, muyenera kutenga nawo mbali pazachuma zanu monga gulu. Kambiranani bajeti yanu ndi zolinga zanu zachuma ndikupanga zisankho zachuma pamodzi. Dziwani kumene ndalama zanu zikupita komanso kuchuluka kwa ndalama zomwe muli nazo posunga ndi kuyikapo ndalama. Mwa njira, nayi nkhani yomwe ikuwonetsani momwe mungasamalire ndalama zanu mukakhala okwatirana kumene.

- Kodi tiyenera kukhala ndi maakaunti ophatikizana kapena maakaunti osiyana?

Kukhala ndi maakaunti olowa ndikwabwino, koma ndimakhulupiriranso kukhala ndi maakaunti anu osungira. Ngati ndinu mkazi ndiye kuti ndikofunikira kuti mukulitse malingaliro anu otetezeka komanso kukhala ndi 'zanu' zomwe mumabweretsa patebulo.

Koma musamve kuti muli ndi udindo wosunga akaunti yanu mwachinsinsi. Kumbukirani kuti ukwati ndi maubale odzipereka amakhazikika pa kumasuka ndi kuona mtima.

Kaya mumagwirizana ndi okondedwa wanu kapena mumapita nokha, njira yopezera ufulu wodziyimira pawokha sizovuta komanso zokonzedwa bwino. Koma musataye mtima; Yakwana nthawi yokweza manja athu ndikudetsa manja athu. Ndiko kulondola, ndi nthawi yoti muphunzire kupanga ndondomeko yolimba yazachuma.

Momwe mungapangire dongosolo lolimba lazachuma?

Tsopano tiyeni tiwone momwe tingapangire dongosolo labwino lazachuma. Pansipa, mupeza njira khumi zopangira dongosolo lolimba lazachuma.

1. Lembani zolinga zanu zachuma

Chinthu choyamba pakukonzekera zachuma ndikukhazikitsa zolinga. Kukhala ndi zolinga zachuma ndi maziko a chipambano chanu chandalama. Kupatula apo, muyenera kudziwa zomwe mukufuna kuchita kuti mukwaniritse. Komabe, zikafika pakukhazikitsa zolinga, muyenera kuwonetsetsa kuti zolinga zanu zafotokozedwa bwino komanso zimayikidwa patsogolo moyenerera.

Ndi zabwino kukhala nazo zolinga zazikulu ndi zabwino ! Koma onetsetsani kuti mwawagawa m'zidutswa ting'onoting'ono. Mwanjira iyi, simukhala otopa poyesa kukwaniritsa ndipo mutha kuyeza kupita patsogolo kwanu mosavuta.

2. Pangani thumba lachangu

Ndikofunikiranso kwambiri kuti chimodzi mwazolinga zanu chikhale ndi dongosolo lothana ndi zoopsa. Mukufuna kuonetsetsa kuti mwakonzeka kuthana ndi mkuntho. Apo ayi, mudzapezekanso muli ndi ngongole.

3. Lipirani ngongole zanu

Kuti dongosolo lanu lazachuma likhale lolimba, muyenera kuganiziranso zobweza ngongole zanu. Tsoka ilo, simungathe kudumpha tsogolo lanu lazachuma ngati muli ndi ngongole zambiri.

Pakati pa chiwongola dzanja chokwera, malipiro ochepa pamwezi, ndi kuwonongeka komwe ngongole zambiri zingawononge pa ngongole yanu ya ngongole, ndi bwino kulipira ngongole zanu kaye.

Pangani njira yobweza ngongole ndipo khalani oleza mtima koma osasinthasintha pamene mukuyesetsa kukhala opanda ngongole. Nazi zinsinsi zosalephera kuti muthe kulipira ngongole zanu mwachangu.

Nawu ulalo wothandizana nawo womwe umakuwonetsani MALANGIZO 30 OTI MUPEZE NDIPONSO KUGWIRITSA NTCHITO ZOCHEPA. Ndikupangira kuti mugule maphunzirowa chifukwa monga ndidakuwuzani m'modzi mwamaphunziro anga, anali maphunzirowa omwe adandilola kuti ndichotse ngongole zanga mwachangu zaka ziwiri zapitazo.

4. Pangani ndondomeko ya ndalama

Ndondomeko ya ndalama ndi gawo la ndondomeko yanu ya zachuma. Ngati mukufunadi kumanga chuma, ndiye kuti muyenera kuyika ndalama zanu kuti zikuthandizeni. Apa ndi pamene investing imabwera.

Komabe, musanagwiritse ntchito ndalama zomwe mwapeza movutikira, ndikofunikira kukhala ndi zolinga zodziwika bwino. Ganizirani ngati ndalamazo ndizofunika pamene mudzafunika ndalama zanu komanso kulekerera kwanu pangozi.

Kuyika ndalama ndi ntchito yanthawi yayitali choncho ndi yowopsa. Chifukwa chake muyenera kudzipereka ngati mukufunadi kuwona ndalama zanu zikukula. Kodi mukuda nkhawa kuti mudzafunika ndalama zanu posachedwa? Chabwino, ndizomwe ma akaunti anu osungira amapangira; ikani mbali yanu ndalama zadzidzidzi ndi ndalama zanu pazolinga zanu zazifupi.

Mukufunanso kuwonetsetsa kuti muli ndi chidziwitso chofunikira (chochepa) cha ndalama zilizonse zomwe mukuyikamo ndalama zanu (mwachitsanzo, msika wamasheya, malo, kapena bizinesi yaying'ono).

Mapulani anu oyika ndalama ayenera kuphatikizidwa mu bajeti yanu ya mwezi ndi mwezi momwe mumagawira gawo lina la ndalama zanu ku zolinga zanu zogulitsa.

5. Pezani inshuwalansi yoyenera

Pambuyo pogwira ntchito molimbika kuti mupeze ndalama zanu, chinthu chomaliza chomwe mukufuna ndi chochitika chosayembekezereka kuti chikuwonongeni. Inshuwaransi kwenikweni ndi dongosolo lanu losunga zobwezeretsera lomwe lingateteze katundu wanu pakachitika zovuta za moyo zomwe zingafune kuti ndalama zambiri zithetsedwe.

Inshuwaransi yanu iyenera kuphatikizapo thanzi, galimoto, kulumala, moyo, nyumba kapena lendi, ndi bizinesi. Kwenikweni, mukufuna kuteteza chilichonse chofunikira kwambiri komanso chamtengo wapatali kuti muwonetsetse kuti inu (ndi okondedwa anu) muli otetezedwa pazachuma.

Kukhala ndi inshuwaransi yoyenera kungasinthe chomwe chingakhale tsoka lalikulu kukhala chosokoneza.

6. Pangani ndondomeko yopuma pantchito

Kuti mukhale ndi moyo womwe mumalakalaka mutapuma pantchito, muyenera kukonzekera mokwanira. Mudzafunika kudziwa kuchuluka kwa zomwe mudzafunikire panthawi yopuma pantchito, poganizira za kukwera kwa mitengo, komanso momwe mungakonzekere kusunga ndi kusungitsa ndalama pasadakhale pa nthawiyo m'moyo wanu.

7. Konzekerani misonkho

Inde, misonkho! Misonkho ndi yosasangalatsa, koma sikuchoka posachedwa. Choncho onetsetsani kuti zomwe mumapeza kwa nthawi yayitali zikuphatikiza misonkho. Kulephera kukonzekera misonkho kumatha kukhudza kwambiri kayendedwe ka ndalama zanu.

Kuphatikiza apo, mukufuna kuwunikanso njira zopulumutsira misonkho ndikukhala pamwamba pazochotsera msonkho zilizonse zomwe mungagwiritse ntchito kuti zikuthandizeni kusunga ndalama pakulipira msonkho.

Mutha kukonzekera kukhala pansi ndi wowerengera msonkho kapena wokonza zachuma kuti muwonetsetse kuti dongosolo lanu lamisonkho ndilokwanira. Muyeneranso kuyang'ana positi yathu ya blog momwe mungachepetsere ndalama zomwe mumapeza!

8. Pangani dongosolo la malo

Kukonzekera malo sizinthu zomwe anthu ambiri amakonda kuziganizira, koma ndizofunikira! Zimakupatsani mwayi wodziwa zomwe zimachitika pazinthu zanu mukachoka. Ndi za kulemba zinthu zanu zonse, kulemba wilo, ndi kuzipereka kwa anthu amene akufunika kuzipeza. Wokonza zandalama kapena loya wanyumba atha kukuthandizani kukonza zinthu moyenera.

9. Unikani dongosolo lanu pafupipafupikulimbikitsa zachuma

Kukonzekera kwachuma kumakhala kolimba ngati kumawunikiridwa nthawi zonse. Mutafotokozera ndi kukonza dongosolo lanu lazachuma, ndikofunikira kuti muwunikenso dongosolo lanu pafupipafupi ndikupanga kusintha kulikonse ngati zolinga zanu kapena moyo wanu wasintha.

Mwachitsanzo, Mwina inshuwaransi yanu iyenera kusintha, kulolerana kwanu paziwopsezo kusintha, kapena mudzakwatiwa kapena kukhala ndi ana. Osachepera, mukufuna kuwona dongosolo lanu lonse lazachuma osachepera miyezi isanu ndi umodzi iliyonse.

Mukayang'ana pafupipafupi, zimakhala zosavuta kuti muthane ndi zochitika zosayembekezereka m'moyo, kubwereranso ku zolepheretsa, ndi kukwaniritsa zolinga zanu zachuma.

Ganizirani zomwe mumachita kuti mukhale ndi thanzi labwino. Mumatsuka mano ndi kusamba pafupipafupi kuti mukhale aukhondo komanso kupewa matenda osafunikira chifukwa tonse tikudziwa kuti kudwala kumatha kubweretsa zovuta zina zaumoyo ndipo simukufuna. Komanso chifukwa mumachita izi pafupipafupi, zakhala gawo la chizoloŵezi chanu cha tsiku ndi tsiku - chabwino, momwemonso pazachuma zanu!

10. Khalanibe m'njira, pewani kuwononga ndalama ndipo phunzirani ku zolakwa zanu

Njira yanu yodziyimira pawokha pazachuma sidzakhala yophweka nthawi zonse. Padzakhala masiku ovuta, masabata ngakhale miyezi. Kutsata Cholinga cha Ufulu Wachuma Chomangika Kwambiri ndi Kukhutitsidwa Kwachedwerako Sikosangalatsa Nthawi Zonse, koma ndizotheka kwathunthu.

Khalani ndi ndondomeko yolimba pazachuma zanu, khalani osamala, ndipo pewani kuwononga ndalama mopambanitsa. Mudzaona momwe mungasangalalire mutayesetsa kwambiri kuti musagwirizane ndi bajeti yanu.

Pamene mukugwira ntchito pazachuma, mutha kulakwitsa ndi ndalama zanu, ndipo zili bwino. Nthawi zina simungathe kulimbana ndi chikhumbo chogula chinthu chomwe sichili mu bajeti yanu. Ndipo nthawi zina mungafune kuwononga dongosolo lanu lonse lazachuma chifukwa sizikuwoneka ngati zosangalatsa.

Komabe, bola musunga zifukwa zanu, mukufuna kukhala omasuka pazachuma ndikuyesetsa kuti mubwerere ku zolakwa zanu mwachangu, udzatuluka bwino kwambiri. Ndiko kupenda zolakwa zimene munalakwitsa, kumvetsa chifukwa chake munazipangira zimenezo, ndi kupanga dongosolo lopeŵera kuzipanganso. Kenako muyenera kutenga maphunziro awa ndikuwagwiritsa ntchito kuti mupambane mtsogolo.

Maupangiri Owunika pafupipafupi Ndondomeko Yanu Yachuma

Nawa maupangiri okuthandizani kuti muwone mapulani anu azachuma.

1. Khalani ndi chizolowezi

Konzani nthawi sabata iliyonse kapena kamodzi pamwezi, zowonadi, kuti mufufuze zaumoyo. Idyani khofi ndi inu nokha kapena ikani nyimbo zabwino ndikukhala ndi kapu yotentha ya tiyi kunyumba ndikukhala ndi nthawi yofufuza zinthu. Ndibwino kukhazikitsa chikumbutso pa kalendala yanu kuti musaiwale za kujambulaku.

2. Konzani ndikuwunikanso zolinga zanu zachuma

Ngati simunachite kale, ndikofunikira kuti mufotokoze zolinga zanu zachuma zanthawi yayitali komanso zazitali kuti mudziwe zomwe mukuchita ndi ndalama zanu. M'kupita kwa nthawi, mukufuna kuwonetsetsa kuti mwabwereranso ndikuwunikanso zolinga zanu kuti muwonetsetse kuti akadali zinthu zomwe mukufuna kukwaniritsa komanso kuti mukuyenera kuzikwaniritsa.

3. Gwirizanitsani maakaunti anu aku banki ndi kulipira mabilu

Yang'anani ma debits mu akaunti yanu yakubanki motsutsana ndi malipiro omwe munakonza kale kapena kutumiza. Onetsetsani kuti mabilu onse omwe akuyembekezera / kubweza ngongole zalipidwa kapena zakonzedwa.

Fananizani malisiti anu ndi zochita zanu za kirediti kadi ndikutsimikizira ndalamazo. Yang'ananinso bajeti yanu ndikuyerekeza ndalama zomwe mumawononga ndi zomwe munakonza. Kamodzi pamwezi, ikani bajeti yanu ya mwezi ukubwerawu.

4. Unikaninso ndalama zanu ndi ndalama zomwe mwasunga

Ngati muli ndi ma transaction okhazikika kuti musamutsire ku akaunti yanu yosungira kapena ndalama, onetsetsani kuti mwawawona. Izi zikuphatikizanso ma depositi aliwonse omwe mwakhazikitsa kuti alowe muakaunti yanu yopuma pantchito etc.

Ngati simunakhazikitse zochita zokha, pangani kapena konzekerani kusamutsidwa kwamanja kumaakaunti anu osungira ndi kusungitsa ndalama ndipo onetsetsani kuti mwayang'ana ndikuwonetsetsa kuti ntchitozo zatha bwino.

Konzekeraninso kuwunikanso mbiri yanu yonse yazachuma kuti muyikenso ndikuyisintha momwe ikufunikira ndikuwonetsetsa kuti mukuwunikanso zolipirira zanu!

5. Unikaninso ma inshuwaransi anu

Mukufunanso kuonetsetsa kuti muli ndi mtundu woyenera inshuwalansi ya moyo wanu. Izi zikuphatikiza thanzi, galimoto, moyo, kulumala, nyumba, katundu wamunthu, bizinesi, ndi zina.

Khazikitsani chikumbutso kawiri pachaka pomwe mumakhala pansi ndikuwunika mtengo wamalamulo anu osiyanasiyana ndikugula kuti muwone zomwe zili kunja uko. Kuyanjanitsa maakaunti anu ndikukonzekera ndalama zanu kumatsimikizira kuti mukudziwa zonse zomwe zikuchitika ndi ndalama zanu komanso kuti muli panjira yokwaniritsa zolinga zanu.

6. Yang'anani phindu lanu

Ukonde wanu ukhoza kufotokozedwa ngati thermometer yomwe imagwiritsidwa ntchito kuyeza thanzi lanu lazachuma ndipo mukufuna kuitsatira.

Chofunika chanu chachikulu chiyenera kukhala kulipira ngongole zambiri momwe mungathere, kuyambira ndi ngongole yanu yachiwongoladzanja, kukulitsa katundu wanu, ndipo pakapita nthawi ndalama zanu zidzayamba kukula.

Anthu ambiri amayamba ndi ndalama zopanda phindu akayamba kuyesetsa kukonza ndalama zawo, koma pakapita nthawi ndikupitirizabe kuchita zinthu zabwino zachuma, izi zidzasintha.

Mafunso oti mufunse powunika dongosolo lanu lazachuma

Nawa mafunso okuthandizani panjirayi:

• Kodi ndachita chiyani mwezi wathawu kuti ndikwaniritse zolinga zanga?
• Ndi zinthu ziti zomwe zandichotsa ku zolinga zanga?
• Kodi ndalama zomwe ndimagwiritsa ntchito zinali zogwirizana ndi mfundo zanga?
• Kodi ndi zolakwika zotani zomwe ndapanga mwezi wathawu?
• Chifukwa chiyani ndidawapanga?
• Kodi zolinga zanga zachuma zikadali zenizeni?
• Ndi ndalama zotani zomwe zikubwera posachedwa?
• Kodi thumba langa ladzidzidzi limalipiridwa mokwanira ndi miyezi 6-9 yogwiritsira ntchito kutengera zosowa zomwe ndili nazo lero?
• Kodi ndikusunga ndalama zokwanira kuti ndipume bwino potengera ndalama zanga zopuma pantchito?
• Simukudziwa kuchuluka kwanu?
• Kodi ndikukwaniritsa zolinga zanga zanthawi yochepa komanso zosunga ndalama
• Kodi ndikuyenda bwino ndi ndalama zomwe ndimasungira ana anga?
• Kodi ndingatani kuti nditsimikizire kuti ndili ndi mwezi wabwinoko mwezi wamawa?

Langizo:  Khalani ndi buku lomwe mumayankha mafunsowa, kenako pendani zomwe mwalemba m'mbuyomu miyezi ingapo iliyonse.

Ndi njira yabwino kwambiri yolimbikitsira, makamaka mukamawona kupita patsogolo komwe mukupita pakapita nthawi, ndipo ngati mukhala odzipereka pakuwongolera ndalama zanu, mudzawona kupita patsogolo.

Powombetsa mkota…

Kumbukirani, uwu ndi ulendo wanu komanso wa wina, kotero kukhala ndi ndondomeko yopambana ndi ndalama zanu ndikofunikira kwambiri. Kukonzekeratu za moyo womwe mukufuna ndi 100%.

Pofuna kutsagana ndi nkhaniyi ndi chitsogozo chothandiza kwambiri, ndinapeza ulalo wothandizana nawo womwe umalimbikitsidwa kwambiri ndi alangizi azachuma. Ngati inunso mukufuna kugula maphunziro awa, ndiye zonse muyenera kuchita ndi dinani ulalo uwu.

Siyani nkhawa zanu zonse mu ndemanga

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