Momwe mungasamalire bwino ndalama zanu

M'moyo, sikophweka nthawi zonse kuyendetsa bajeti ndi ndalama zanu, mosasamala kanthu za ndalama zomwe mumapeza. Kaya ndinu wophunzira kapena wachinyamata wogwira ntchito, ndi chinthu chofunikira makamaka kumapeto kwa mwezi kumakhala kovuta. Koma izi sizikutanthauza kuti uyenera kukhala mutu weniweni. Choncho, momwe mungasamalire bwino ndalama zake?

Pocket money ndi njira yopezera ufulu pang'ono: sikulinso phindu kungofunsa makolo anu kuti akugulireni zinthu zina zomwe mukufuna kapena zomwe mukufuna. Koma muyenera kudziwa momwe mungasamalire ... Nawa malangizo athu!

Musanayambe kusunga ndalama mwezi uliwonse, muyenera kukhala ndi chithunzithunzi cha momwe ndalama zanu zikuyendera. M'nkhaniyi, mudziwa zonse zokhudza kusamalira ndalama zanu. Koma choyamba, dziwani kuti n’zotheka‘ikani ndalama ndi ndalama zochepa.

Tiyeni tizipita !!

🌿 Kodi ndalama kwenikweni ndi chiyani?

Chinthu choyamba kunena za ndalama ndikuti ndi njira yosinthira. Timapereka ndalama pobwezera chinachake. Izi zimatchedwanso kugula. Chinthu chachiwiri chonena za ndalama ndi njira yomwe timalipira pa chilichonse chomwe timagula: chakudya cham'sitolo, zovala za m'sitolo kapena kumeta tsitsi kuchokera kwa wometa tsitsi.

Kuti mudziwe mtengo wake, pali mtengo. Izi zikuwonetsa kuti chinthu chimawononga ndalama zingati. Mtengo wa buledi, mwachitsanzo, ndi wotsika kwambiri kuposa wanjinga. Chifukwa chake njingayo imawononga ndalama zambiri kuposa mkate. Ngati tilibe ndalama zokwanira kulipira mtengo, tiyenera kusunga.

Mtundu wofunika kwambiri wa ndalama ndi ndalama. Ndi ndalama zimene tingagwire m’manja mwathu monga makobidi ndi mabilu.

Nthawi zina timalipiranso ndi makhadi a ngongole kapena debit, ngakhale ndi mafoni athu a m’manja. Ndi izi titha kulipira mwachindunji ndi ndalama zomwe timasunga kubanki. Ndiye mumayendetsa bwanji ndalamazi?

🌿 Malangizo oyendetsera ndalama

Pankhani yosamalira ndalama, tonse ndife osiyana kwambiri. Zomwe zili zofunika kwa wina ndi zosafunikira kwa wina. Ichi ndichifukwa chake maupangiri ena omwe alembedwa apa alankhula kwa inu ndipo ena sadzatero. Ndizothandiza komanso zolimbikitsa kukambirana maupangiri ndi zidule zakugwiritsa ntchito bwino ndalama ndi anzanu.

Mu gawoli tikupatsani mndandanda wa malangizo 10 othandiza zandalama zanu.

✔️ #1. Konzani zowonongera mweziwo

Kanema wokonzekera 14, tsiku lobadwa la bwenzi lake lapamtima pa 23rd... N'zotheka kukonzekera ndalama zina kuyambira kumayambiriro kwa mwezi! Mawerengedwe amakulolani kuti mudziwe kuchuluka kwa ndalama zomwe zatsala, kotero mutha kusangalala ndi zina zonse, popanda kupsinjika maganizo!

Momwemonso, bajeti yanu ya mwezi ndi mwezi ikuthandizani kusunga akaunti yanu bwino ndikukwaniritsa zolinga zanu, ngakhale zikukhudza moyo wanu watsiku ndi tsiku! Ndikufotokozerani momveka bwino maubwino okhazikitsa bajeti yanu pamwezi mwezi uliwonse:

• Chitsimikizo chakulipira ngongole zanu zonse mwezi uliwonse;
• Mwayi wonena chabwino kuti banki overdraft, amene mukumudziwa bwino;
• Chisangalalo cha khalani okonzeka kwambiri ndi kuona kupita patsogolo kwanu nthawi zonse;
• Ufulu wa osayang'ananso akaunti yanu yaku banki pa pulogalamu yanu yam'manja kuti muwone komwe muli;
• Kuthekera kwa inu perekani zosangalatsa zazing'ono kapena kusunga ndalama mwachikondi m’zosunga zanu;

Mwayi wokhoza gwirani ntchito zanu zamabizinesi (gulani nyumba kapena galimoto yamaloto anu, bwezerani ngongole zanu, pitani kutchuthi kupita kudziko lina, onetsetsani tsogolo la ana anu, ndi zina zotero.)

Palibe nthawi yoipa kuti muyambe kukonzekera bajeti yanu ya mwezi uliwonse. Nthawi zambiri, timaona kuti n’kothandiza kuŵerengera panthaŵi zofunika kwambiri pachaka monga Seputembala poyambira chaka chasukulu kapena Januware pokonzekera bwino chaka chatsopano.

♥ #2. Osadzitengera ndalama zanu zonse

Ngakhale zimakhala zabwino nthawi zonse kuwona chikwama chanu chodzaza, ndibwino kusiya ndalama zanu kunyumba ndikungotenga zomwe mukufuna! Kunena zowona, ndizomwe ndimachita nthawi zambiri. Izi zidzakuthandizani kupewa kuzitaya kapena kuzibedwa. Kuphatikiza apo, njira iyi yochitira zinthu imakupulumutsani ndalama zosafunikira.

Tikukulangizani kuti muzikhala ndi ndalama zanu nthawi zonse malo awiri osiyana. Yoyamba yokhala ndi zipembedzo zing'onozing'ono, kulipira zakumwa, malo odyera ndi ma taxi, ndi zina zamtengo wapatali kwambiri.

Izi zimapewa kutenga zolemba zambiri nthawi iliyonse, motero zimakopa chidwi cha otola. Momwemonso, tikukulangizani kuti mutenge imodzi mwamakhadi anu angongole ndikusiya ina ku hotelo kapena kuofesi mwachitsanzo.

Mukhozanso kupeza musanasiye lamba wobisala ndalama kapena mwinamwake wogwira mtima kwambiri, thumba la mimba lomwe mungathe kuika pansi pa malaya anu (komanso kuzungulira ntchafu kapena kumbuyo).

Njira inanso ndikukhala ndi kathumba kakang'ono kosaoneka kamene kamasokerera mkati mwa thalauza lanu, juzi, ndi zina zotero. musaike ndalama zanu zonse pamalo amodzi; Koma igawireni m'zinthu zanu monga Mukufuna.

✔ #3. Dzikhazikitseni zolinga zabwino zachuma

Ndizosavuta kugwiritsa ntchito ndalama zanu momwe mukufunira, panthawiyo: maswiti pamalo ophika buledi Lolemba, pulogalamu yatsopano pa smartphone yanu Lachitatu ...

Kufotokozera maloto anu amtsogolo ndi njira yabwino yoyendetsera moyo wanu wachuma. Kukhala ndi zolinga zomveka bwino kumakupatsani malingaliro anthawi yayitali pazachuma zanu ndikukulolani kuyeza momwe mukupitira patsogolo ndikukwaniritsa (potsiriza!) kupambana kwachuma komwe mukuyenera.

Kuti musunge ndalama moyenera, muyenera kudziwa chifukwa chake mukufuna kusunga ndalama. Zolinga zanu zosungira zitha kulumikizidwa ndi kugula nyumba yamtsogolo, kukhazikitsidwa kwa zochitika pa akaunti yanu, kukonzekera ulendo wozungulira dziko lonse lapansi, kupereka ndalama zanu zadzidzidzi, ndi zina zambiri.

Ziribe kanthu chifukwa chake mukufuna kusunga ndalama, ndikofunikira kuzizindikira kuti zikhale zogwira mtima. Kenako, zolinga izi zitafotokozedwa, muyenera kudziwa kuchuluka kwa ndalama zomwe mudzafune kuti mukwaniritse cholinga chilichonse.

Muyenera kukhala olondola momwe mungathere kuti mupewe zodabwitsa zosasangalatsa. Choncho fufuzani pa kugula kwanu kuti dziwani kuti muyenera kuyika ndalama zingati kutha kuyamba.

✔ #5. Lembani zomwe mwawononga ndikusunga umboni wamalipiro!

Kusunga ndalama zomwe mumawononga kumakupatsani mwayi wowona momwe mumagwiritsira ntchito ndalama zanu. Inde, kumapeto kwa mwezi, nthawi zina zimakhala zodabwitsa: sitikumvetsa chifukwa chake tilibe kanthu. Ngakhale ndalama zing'onozing'ono, zikaphatikizana, zimatha kukhala ndalama zambiri ...

Lamulo loyambirira ili nthawi zambiri amaiwala. Komabe, posunga malisiti anu ndi malisiti a makadi aku banki ndikulemba mosamala macheke anu, mutha kutsimikizira kuti palibe ndalama zomwe zakulipiritsidwa molakwika.

Ngati mukukayika kapena simukukumbukira ndalama zomwe zalembedwa pa sitetimenti ya akaunti yanu, muyenera kuzipeza pakati pa zolembazi. Kupanda kutero, mutha kutsutsa ndalamazi podzitsimikizira nokha.

Pomaliza, posunga zikalata izi, mumadziwa mosavuta ndalama zomwe mwagula kale, zomwe zingakuthandizeni kudziwa zofunika kwambiri ngati mungakwanitse kugula kapena ayi.

✔ #6. Ikani malire ogwiritsira ntchito ndalama pamlungu

Mukufuna njira yabwino kusunga ndalama mwamsanga. Kuika malire pa sabata kumatsimikizira kuti simukupeza kuti mwawononga ndalama zanu zonse m'thumba mkati mwa mwezi!

Khazikitsani malire ogwiritsira ntchito makadi anu a kirediti kadi. Izi zidzakulepheretsani kuwononga ndalama zambiri ndikukulimbikitsani kuti muwunikiretu zomwe mumagula tsiku ndi tsiku. Mabanki ambiri amapereka chithandizochi.

Mwachitsanzo, mutha kukhazikitsa malire ogwiritsira ntchito tsiku lililonse ndikusankha kulola kuchotsedwa kwa ATM m'masekondi kuchokera pa pulogalamu yanu.

✔ #7. Tsegulani akaunti yakubanki

Pokhala ndi akaunti yakubanki, mutha kutsata ndalama zanu mosavuta kuchokera pakompyuta kapena pafoni! Tikangofuna, timayang'ana kuti tidziwe komwe tili. Komanso, kutsegula akaunti ndikosavuta.

Kuti musunge ndalama mwachangu, muyenera kulekanitsa ndalama zomwe mumagwiritsa ntchito pazosowa zanu zatsiku ndi tsiku ndi ndalama zomwe mukufuna kusunga. Kuti muchite izi, m'pofunika kutsegula akaunti yosungira ndalama.

Chifukwa chake, mumachepetsa chiwopsezo cholowetsa mundalama zanu zosungira kuti mukwaniritse zomwe mumawononga tsiku lililonse. Izi zidzakulimbikitsani kuti muzitsatira bajeti yanu ya tsiku ndi tsiku ndikusunga ndalama zanu.

✔ #8. Muzipatula ndalama zina kumayambiriro kwa mwezi uliwonse

Njira imeneyi ingaoneke ngati yosavuta, komabe imagwiritsidwa ntchito kawirikawiri, pamene imatha kubaladi zipatso! Mfundo yake ? Ikani ndalama zomwe simungagwiritse ntchito mwezi uliwonse: timamuteteza, ndipo patapita nthawi tili ndi ndalama zambiri zomwe timanyadira komanso zomwe tingasangalale nazo! Chovuta kwambiri ndikusapeza zifukwa zabodza kumayambiriro kwa mwezi uliwonse osachita…

Kuyika ndalama pambali mwezi uliwonse ndi yankho lomwe limatsimikizira kuti mumasunga ndalama ndikutha kuthana ndi zosayembekezereka nthawi ikadzafika. Ndizotheka kuyika ndalamazi zosungidwa mu bukhu lachiphaso kapena maakaunti osungira.

Ngakhale kukhalapo nthawi iliyonse, ndalama zomwe zimaperekedwa munjira iyi zimapeza chiwongola dzanja chomwe chimawonjezera pang'onopang'ono ku likulu loyamba. Choyenera ndikuyika Ndalama chiyambi chilichonse cha mwezi.

Ngakhale satero ndi ndalama zochepa, kutengedwera kumapeto, izi zikhoza kulola, patatha zaka zingapo, kupindula ndi ndalama ndi katundu wothandiza kwambiri poyambira moyo. Muyenera kukhazikitsa zolinga kuti mukwaniritse, sitepe ndi sitepe, kuona konkire ndi mofulumira zotsatira.

#9. Sungani pa renti yanu

Kusunga pa renti ndi njira imodzi yachangu kwambiri yosungira ndalama mwezi uliwonse. Ngati mukukhala nokha, imodzi mwa njira zosavuta kuchitira izi ndi kugawana.

Izi zidzadula lendi yanu pakati, ndipo ngati mungasankhe kukhala ndi anthu awiri okhala nawo, mudzalipira gawo limodzi mwa magawo atatu a renti yanu. Chifukwa chake, ngati mukulipira € 1300 pamwezi panyumba yazipinda zitatu ndipo mupeza wokhala naye, mudzasunga € 650 pamwezi.

Ngati mumakhala kale m'nyumba yogawana, mutha kusamukira m'chipinda chaching'ono. Malo obwereketsa nthawi zambiri amawerengedwa motengera chipinda chomwe akuyenera kuchita lendi. Izi zikutanthauza kuti mutha kusunga ndalama zambiri mwezi uliwonse. Kuphatikiza apo, zingakulimbikitseni kugulitsanso mipando yanu, ndikukulolani kuti mupeze ndalama.

Zachidziwikire, njira zochepetsera lendi yanu zimadalira momwe nyumba yanu ilili, zosowa zanu komanso komwe mukukhala…

✔️#10. Kudzikondweretsa nokha

Ndipo potsiriza ndi ndalama zoyenera ndi zosungidwa, Sangalalani! Kukhala ndi ulamuliro wabwino pa bajeti yanu kumatanthauzanso kudzilola nokha kupatuka pang'ono nthawi ndi nthawi.

Sitingathe kuthera nthawi yathu kumangitsa malamba athu, popanda kusiya malo opuma komanso opuma. Cholinga chake ndi kukonza ndi kuwongolera ndalama zomwe mwawonongazi popereka gawo laling'ono la bajeti yanu ya mwezi uliwonse kwa iwo. Izi zimakuthandizani kuti musangalale popanda kudziimba mlandu kapena kumva chisoni kwambiri pakangopita mphindi zochepa mutawononga ndalama izi.

Koma musanachoke, nayi momwe mungachotsere ngongole?