Kodi mungakonzekere bwanji bajeti yanu?

Kaya mukuyang'ana kupanga zolemba zanu za bajeti kapena mukungofuna kumvetsetsa bwino kasamalidwe ka ndalama, yambani ndi njira zomwe ndikudutsamo m'nkhaniyi. Ngakhale simugwiritsa ntchito pepala la kuwerengera bajeti, mwina mukufunikira njira yowonera komwe ndalama zanu zikupita mwezi uliwonse. Kupanga bajeti yokhala ndi template kungakuthandizeni kuti muzitha kuwongolera bwino ndalama zanu ndikusunga ndalama pazolinga zanu.

Ndipotu, ndondomeko iliyonse yabwino yazachuma imayamba ndi bajeti yolimba. Kaya mukuyesera kulipira ngongole zanu kapena kusunga tchuthi chamalotowo, bajeti ndi gawo lanu loyamba kuti mukwaniritse zolinga zanu zachuma.

Mwachidule, chinyengo ndikupeza njira yowonera ndalama zomwe zimakuthandizani. M'nkhaniyi, ndikuwulula njira zanga zonse zopambana kuti ndikuthandizeni kuchita bwino pokonzekera ndalama zanu.

🥀  Zinsinsi zakukonzekera bwino bajeti

Pali luso limodzi lomwe mwina simunaphunzire kusukulu: kukonzekera bajeti. Popanda bajeti ya banja, mumangowononga mwachimbulimbuli, osadziwa kumene ndalama zanu zikupita.

Zitha kukugwirirani ntchito kwakanthawi, koma ngati mukukumana ndi vuto lazachuma kapena mukufuna kupeza ndalama kuti mupite patsogolo, kukonzekera bajeti ndikofunikira.

Ngati muli ndi cholinga chandalama - monga kuchotsa ngongole, kusunga ndalama gawo la mortgage kapena kuika ndalama pambali yanu yopuma pantchito - izi zidzakuthandizani kuti mukwaniritse izi. Nawa dongosolo langa la magawo asanu ndi awiri omwe mungatsatire kuti mupange bajeti yokwanira.

📍 Khalani okonzekera ndi kutenga nthawi yanu

Lolani osachepera ola limodzi kuti mupange bajeti yanu. Kuchita zinthu mopupuluma kungayambitse zolakwika. Ndibwino kusonkhanitsa zipangizo zonse zomwe mungafune musanayambe, choncho pezani:

• Miyezi ingapo ya zikalata za banki;
• Ma invoice anu aposachedwa kiredi ;
• Makope a ngongole zanu zoyeretsera;
• Tsatanetsatane wa ndalama zomwe mwasunga ndi zopereka zanu mukapuma pantchito;
• Zina zilizonse zokhudzana ndi ndalama zomwe mungakhale nazo.

Ngati ndalama zomwe mumapeza zimabwera pafupipafupi (sabata iliyonse), mungakonde kupanga bajeti mlungu uliwonse kapena milungu iwiri.

📍 Werengani Ndalama Zanu

Tiyeni tigawane ndalama zomwe mumawononga pamwezi kukhala ndowa zenizeni. Kwa anthu ambiri, izi zidzagawidwa kukhala nyumba, zoyendera, zothandizira komanso zakudya. Pambuyo pa izi, mutha kuyika zinthu zina monga "Chakudya chakumalo odyera", "holide","Vêtements", Ndi zina zotero.

Kumbukirani kuti ndalama zina sizingakulipire mwezi uliwonse, choncho ganiziraninso miyezi yapitayi kuti mudziwe zonse zomwe mumawononga pamwezi.

📍 Onjezani ndalama zanu

Lembani ndalama zomwe mumapeza nthawi zonse. Ndalamazi ziyenera kukhala misonkho, malipiro a ngongole, zopereka za penshoni, ndi zina zotero. Onjezani njira zina zopezera ndalama pambuyo pake, kuchokera ku ndalama, ndalama, kudzilemba ntchito, kulipira lendi, ndi zina.

Werengani kuchuluka kwa ndalama zomwe mwapeza m'miyezi itatu yapitayi ndikulemba pafupifupi, kuti mukhale ndi lingaliro lovuta la zomwe mungayembekezere kupeza m'miyezi ikubwerayi. Tsopano ingakhalenso nthawi yabwino yowonetsetsa kuti mukulipira msonkho woyenera.

📍 Werengetsani ndalama zanu zofunika

Mukawonjezera ndalama zomwe mumapeza, onjezeraninso zomwe mumawononga. Dziwani kuchuluka kwa ndalama zomwe mumapeza pamwezi pazinthu zofunika. Gawani malipirowa kuti mukhale ndi lingaliro labwino la komwe ndalama zanu zikupita.

Magulu anu atha kuphatikiza zolipirira nyumba, mabilu othandizira, golosale, kusamalira ana, kuyenda, ndi zina. Sonkhanitsani masitimenti anu aku banki, mabilu apanyumba, ndi ma kirediti kadi pantchitoyi.

Ziwerengero zanu zikakhala zolondola, bajeti yanu idzakhala yothandiza kwambiri. Werengani ndalama zonse zomwe mumawononga m'miyezi itatu yapitayi ndikuchotsa pa ndalama zomwe mumapeza pamwezi. Izi zikuwonetsani kuchuluka kwa ndalama zomwe zimatsala pamwezi uliwonse pazinthu "zosafunikira" zomwe zimapanga ndalama zomwe mungatayike.

 📍 Werengerani kusiyana pakati pa ndalama zomwe mumapeza ndi zomwe mumawononga

Ngati ndalama zomwe mwawononga ndi zochuluka kuposa zomwe mwasunga, muli ndi njira ziwiri. Mupange ndalama zambiri kapena muwononge ndalama zochepa. Nthawi zambiri, n'zosavuta kuchepetsa ndalama kuposa kupeza ndalama zambiri. Yang'anani pa bajeti yanu ndikuwona zomwe zingachepetse.

• Kudya zochepa m'malesitilanti?
• Zovala zatsopano zochepa?

Ngati mumasunga zambiri kuposa momwe mumawonongera, zabwino.

• Kodi mwakhutitsidwa ndi ndalama zomwe mwasunga?
• Ngati sichoncho, ndi chiyani chinanso chomwe chingachotsedwe?

 📍 Dziwani zoyenera kuchita ndi ndalama zanu

Mwasunga! Zabwino zonse. Tsopano, chabwino ndi chiyani choti muchite nacho? Ngati muli ndi ngongole yachiwongola dzanja chambiri, zingakhale bwino kulipira. Mutha kuphatikiziranso ngongoleyo ndi chiwongola dzanja chochepa kuti musunge zambiri ndikulipira mwachangu.

Nkhani yoti muwerenge: Kukhala ndi ufulu wachuma bwanji?

Cholinga chabwino ndikukhazikitsa cholinga chosungira ndalama zopezera $ 1 mu akaunti yanu yosungira ndikuyika mu thumba ladzidzidzi la miyezi itatu. Ngati mukufuna kutsata kuchuluka kwa ndalama zomwe mumapeza, yesani kuyambira 000% kapena 3% ndikuwonjezera ndalama zomwe mumasungira pakapita nthawi.

 📍 Chitani Chizoloŵezi

Yesetsani kumamatira ku bajeti yanu pobwereza sabata iliyonse kapena awiri. Izi zikuthandizani kumvetsetsa mwachangu momwe ndalama zanu zimayendera, zomwe zikuyenera kusintha, komanso ngati mukukwaniritsa zolinga zanu zachuma.

Zabwino zonse ndipo kumbukirani kuti pali zinthu zambiri zapaintaneti monga Peace by Happy Money zomwe zingakuthandizeni paulendo wanu wazachuma. Yambani lero!

Ndisiyeni nkhawa zanu zonse mu ndemanga