Momwe mungachepetsere nkhawa zanu zachuma

Kodi bowo m'thumba lanu lingapangitse bwanji bowo m'matumbo anu? Yankho lake ndi kupsinjika maganizo. Kupsinjika kwachuma kumakhudza zambiri kuposa chikwama chanu. Zitha kukhala ndi zotsatira zoyipa pa thanzi lanu komanso ubale wanu ndi anthu. Palibenso njira ina imene maganizo athu angasinthire ntchito za thupi lathu mwadzidzidzi komanso mwamphamvu kwambiri.

kupsinjika kumagwira ntchito nthambi yosankhika ya gulu lanu lankhondo, lophunzitsidwa mwapadera kuchitapo kanthu mwadzidzidzi poyankha ziwopsezo zazikulu. Ubongo wanu ukangowona zoopsa, umapita kunkhondo kapena kuthawa. Amatumiza kumayendedwe akunja kwa adrenal ndi pituitary glands kuti alimbikitse mahomoni a adrenaline ndi cortisol.

Izi nazonso zimatumiza zolimbitsa thupi kumadera osiyanasiyana a thupi kuti muwonjezere kuthamanga kwa magazi, kugunda kwa mtima ndi mphamvu kuti muthe kumenyana kapena kuthawa ndi mphamvu zonse zomwe thupi lanu lingathe kuchita. Panthawi yamavuto, kupsinjika kumatikakamiza kuchitapo kanthu kuti tipulumutse moyo kapena kukwaniritsa nthawi yofunika kwambiri.

Koma ngati mutati muyambe kumenya nkhondo tsiku lililonse, thupi lanu likhoza kumva zotsatira zake. Kupanikizika kwa nthawi yaitali kumawonjezera chiopsezo cha matenda a mtima, matenda a shuga, kuthothoka tsitsi, kuvutika maganizo ndi matenda a chiseyeye.

Chabwino, ndiye kumva kuti kupsinjika kungapangitse zinthu kuipiraipira sikukhala kotonthoza. Nkhani yabwino ndiyakuti nthawi ndi kuchita dala kungathandizire pazachuma komanso kukumasulani ku nkhawa.

M’nkhaniyi, tikambirana njira khumi zochitira zimenezi. Timayamba kaye ndikuchotsa zopinga zina zamaganizidwe zomwe zimakupangitsani kukhala ndi nkhawa zachuma. Koma musanayambe, nayi momwe mungawongolere chiwongola dzanja chosinthira pasitolo yanu yapaintaneti.

???? Zopinga Zamaganizo za Kupsinjika Kwazachuma

1. Yambani ndikuchepetsa zomwe mwasankha

Ndikosavuta kulola kuopa kupanga chisankho cholakwika kukulepheretsani kusankha chilichonse. Mwinamwake muli ndi ndalama zochepa zogulira, kapena mukudandaula za kugula kwakukulu. Nthawi zina simungathe kusankha chomwe chili chofunika kwambiri. Ngati mukukumana ndi mwayi wambiri kumbukirani izi: simuyenera kusankha "cholondola", koma kusankha koyenera. Simukuyenera kupanga chisankho “chomaliza”. Muyenera kungosankha, kusankha kuchita.

Pali zida zokuthandizani ndipo tikukuwonetsani. Koma choyamba, tiyeni tikambirane vuto lina la m’maganizo limene lingakubweretsereni nkhawa. Kenako phunzirani kusiya malingaliro anu ogonja.

2. Siyani maganizo anu opanda chiyembekezo

Chopinga chachiwiri m’maganizo chimene chimadzetsa mavuto a zachuma ndicho kukayikakayika. Ngati kuopa kupanga zisankho "zolakwika" pazachuma chanu kukupangitsani kukhala wokayikakayika, lingalirani momwe anthu amamvera omwe amaganiza kuti alibe chochita. Lingaliro losiya malingaliro anu okayikakayika ndikupeza njira yokhulupirira kuti mwanjira ina, ngakhale zinthu zitavuta kwambiri, pali chiyembekezo.

Mabungwe ngati America Saves zilipo kuti zikuthandizeni kupeza chiyembekezo chimenecho. Zinthu zosavuta monga kupanga mndandanda woyamikira kapena kudziwonetsera nokha opanda mavuto azachuma zingakuthandizeninso kukhala ndi chiyembekezo.

Tsopano popeza mwatsimikiza kuti simukugonja, mwatsala pang'ono kulandira njira zothandiza zochepetsera mavuto azachuma. Koma choyamba, tiyeni tikambirane mmene tingagonjetsere vuto lina la m’maganizo kuti lichepetse mavuto a zachuma. Ndikunena za bwenzi lanu lamoyo.

3. Siyani kupalasa mozungulira

Kugwirira ntchito limodzi kumathandizira kuti bwato lanu lazachuma liziyenda bwino (ndikupulumutsani kupsinjika kwambiri!). Kugwirira ntchito limodzi kumathandizira kuti bwato lanu lazachuma liziyenda bwino (ndikupulumutsani kupsinjika kwambiri!).

Pankhani ya zachuma, lingalirani banja lililonse ngati bwato. Ngati muli nokha, muyenera kukoka kulemera kwanu kuti mukafike kumene mukufuna kupita. Ngati muli ndi banja loti muwathandize, ulendo wanu ukhoza kukhala wosavuta kapena wovuta kwambiri kutengera ngati opalasa akupalasa limodzi kapena ayi.

Tengani chitsanzo cha banja longoyerekeza Faustin ndi Faustina. Faustine, wodziwika bwino wowononga ndalama, amaphunzira zowulutsa zotsatsa ndikudzudzula Faustine chifukwa cholipira $0,50 kuposa momwe amafunikira sopo. Koma ndikadayenera kupita m'masitolo awiri kuti ndikatengeko mtengowo! » Faustin ziwonetsero, wokhumudwa.

Ngakhale m'maubwenzi omwe maanja ali pa tsamba limodzi lazachuma, kusiyana kwa zinthu zofunika kwambiri (akufuna kutumiza ana kusukulu yapayekha; mnzake akufuna kusunga ndalama zaku koleji) amatha kutembenuza bwato. Kuti bwato lipite patsogolo, ogwirizanawo ayenera kuphunzira kulankhulana ndi kupalasa pamodzi.

???? Zida zothanirana ndi mavuto azachuma

4. Khazikitsani bajeti yanu ndikuumirira

Tsopano popeza mwachotsa zopinga zina zamaganizidwe zomwe zikukupangitsani kukhala ndi nkhawa zachuma, mwakonzeka kuphunzira za njira zenizeni zothetsera nkhawa. Pali mfundo zinayi zofunika zosinthira moyo wanu wachuma: khalani ndi bajeti, kuchepetsa ndalama, kuchepetsa ngongole, ndikuyamba kusunga.

Bajeti si sayansi ya rocket. M'mawu osavuta, mumayika ndalama zanu pamwamba pa tsamba ndikupitilira zomwe mumachotsa zomwe mumawononga. Ndalama zotsalazo ndi zomwe mungagwiritse ntchito pazinthu zina, monga kuchepetsa ngongole ndi kuwonjezera ndalama.

Nkhani yoti muwerenge: Kodi mungapewe bwanji ndalama zambiri kubanki?

Kukhala ndi bajeti yolembedwa kumakupatsani chidaliro pazachuma chanu. Zomwe zingakuthandizeninso kuchepetsa kwambiri mavuto azachuma. Pali mazana a mapulogalamu ndi zida zomwe mungagwiritse ntchito kupanga bajeti. Nawa mawebusayiti aulere pa intaneti ndi zida zopezera ndalama zomwe mungagwiritse ntchito Mint.com, Geezeo.com, ndi Wesabe.com.

Komabe, ngakhale anthu omwe amazindikira kuti bajeti ndi yofunika akhoza kudzipeza okha, m'malo motsatira bajeti. Sikuti ndalama zosayembekezereka zokha—zokonza galimoto, kukwera mitengo kwa zinthu, ndi malipiro a Cub—zimatiwononga; Tithanso kusokonezedwa ndi zinthu zosangalatsa monga kuyitanitsa chakudya chamadzulo, kuyimitsa dzenje ku Starbucks, ndi malonda a "awiri-pa-m'modzi" pazinthu zomwe tingafunike kapena sitingazifune.

5: Chepetsani ndalama zomwe mumawononga

Kuchepetsa ndalama zomwe mumawononga kumachepetsa nkhawa zanu zachuma. Pokonza bajeti, mungavumbulutse zowona zosafunikira pankhani yachuma chanu. Mwamwayi, maluso omwe mwaphunzira kuthana ndi zopinga zamaganizidwe zomwe zimakupangitsani kuti mukhale ndi nkhawa pazachuma zidzakuthandizani mukakumana ndi zovuta zomwe bajeti ingabweretse. Pamene bajeti yanu ikuwonetsa kuti muli ndi miyezi yambiri kuposa ndalama, yankho ndilo kuchepetsa ndalama.

Ndi maganizo oyenera, kuchepetsa ndalama kungakhale kosangalatsa. Limbikitsani Faustin wamng'ono kuti adzipezere yekha ndalama za Boy Scout potchetcha udzu. Lolani Faustine wachinyamata kukhala ndi foni yakeyake yam'manja - ngati apeza ntchito Loweruka kuti alipire biluyo. Gawani mndandanda wa golosale ndikulekanitsa banja kuti muwone yemwe angapeze malonda abwino kwambiri.

Palinso zida zaulere zapaintaneti kukuthandizani kusunga. Tikambirana pambuyo pake. Pokhala ndi nzeru pang’ono ndi maganizo oyembekezera zinthu zabwino, mungathe ndipo mudzakhala opambana m’kuchepetsa ndalama zimene mumawononga, ndikukusiyani ndi ndalama zambiri kumapeto kwa mwezi kuti muzigwiritsa ntchito pa zinthu zina zofunika pakukonzekera ndalama.

6: Chotsani ngongole zanu

Ngakhale kuchotsa ngongole, kupuma pantchito, ndi kusunga ndalama zadzidzidzi ndizofunika kwambiri kuti muthetse mavuto a zachuma, kuchotsa ngongole kuyenera kukhala chinthu chofunika kwambiri. Mitundu ina ya ngongole (ngongole zanyumba, ngongole za ophunzira, ndi zina zotero) zitha kukhala zabwino m'lingaliro loti zimakuthandizani kuti mupange ndalama zanu zangongole.

Ngati muli ndi ngongole yabwino kwambiri ndipo mukuwona kuti mitengo yanu ndi yokwera kwambiri pa ngongole yanu "yabwino", mungathe kuchepetsa ndalama mwa kukonzanso ngongole zanu "zabwino" kuti muchepetse mitengo.

Zikafika pangongole "yoyipa" - yozungulira ngongole kapena kiredi - komabe, njira yokhayo yothetsera ndikubwezera mwamsanga. Nawa maupangiri ochepetsera ngongole:

• Gwirizanitsani milingo ya kiredi pa khadi yotsika mtengo kwambiri
• Nthawi zonse muzilipira ndalama zambiri kuposa ndalama zomwe mumapeza.
• Ngati mumalipira makadi oposa limodzi, nthawi zonse perekani ndalama zomwe zingatheke pa khadi chiwongola dzanja chapamwamba.

Mukamaliza kubweza ngongoleyo, mumapeza ndalama zowonjezera kumapeto kwa mwezi. Kenako timakambirana za njira zopulumutsira.

7: Njira Zosungira Pantchito

Kuyang'ana mosamala zomwe mungasankhe mukapuma pantchito ndikuyika ndalama mwanzeru kungakupatseni mtendere wamumtima.

Ngati simungathe kusankha momwe mungasungire ndalama zomwe mwayika muakaunti yanu, ganizirani kuzisunga mu thumba lapuma pantchito. Mumauza ndalamazi chaka chomwe mukufuna kupuma pantchito ndipo thumba la ndalama limasankha kuphatikiza masheya ndi ma bond omwe angakubwezereni bwino kwambiri popanda chiopsezo chocheperako potengera nthawi yomwe muli nayo mpaka tsiku lopuma pantchito.

Tsopano popeza mwasintha maganizo anu ndipo mwaphunzira zinthu zofunika kwambiri, muyenera kukhala ndi nkhawa komanso kulamulira bwino ndalama zanu. Panthawiyi, ndi nthawi yosangalatsa pang'ono. Kenako timakambirana za njira zokongoletsera ngongole zanu.

8: Angapite kutali bwanji? Konzani mphambu zanu zangongole

Ngati ngongole yanu ikukupanikizani, isintheni kukhala masewera, momwemonso mudasandutsira kuchepetsa mtengo kukhala zosangalatsa zabanja. Ndipo ponena za kupulumutsa mtengo, tidakambirana kale za zida zaulere zapaintaneti zomwe zingakuthandizeni kusunga.

Kupeza ndalama zochepa zangongole ndi njira yayitali komanso yovutirapo yolipira ngongole zanu panthawi yake, kumanganso ndalama, ndikubweza ngongole. Zimatenga zaka ndipo pali njira zazifupi. Komabe, pali zinthu zingapo zomwe mungachite kuti muwongolere zotsatira zanu.

9: Yang'anani pa ukonde ndikusunga

Masamba ngati Billshrink.com ndi odabwitsa, zida zaulere zokhala ndi malangizo opulumutsa ndalama komanso osunga ndalama.

Mukukumbukira Faustine wa banja lathu longoyerekeza Faustin ndi Faustine? M'malo mofufuza mapepala kuti apeze malonda omwe akanangosunga ndalama (zomwe zikanatenthedwa popita ku sitolo yachiwiri kukagula), Faustine angachite bwino kufufuza ena mwa malo atsopanowa.

Mawebusayiti monga billshrink.com, billeater.com ndi validas.com ndi injini zosakira zaulere zomwe zimakupulumutsirani ndalama. Mumalemba zambiri za ndalama zomwe mumagwiritsa ntchito pogula gasi, mabilu a foni, TV, makhadi, zinthu zothandiza, inshuwalansi, ndi zina zambiri, ndipo malowa ali ndi njira zina zomwe zingakusungireni ndalama.

Mwachitsanzo, mukauza Billshrink kuti mumalipira $3,65 galoni yamafuta pa Station X pa Y Road, msonkhanowo udzakudziwitsani ngati pali gasi wotchipa pafupi.

Nkhani yoti muwerenge: Kodi kusankha banki khadi?

Masamba ngati Billshrink samakuwonongerani chilichonse ndipo amachotsa nkhawa pakuyerekeza mtengo pochita kafukufuku wowononga nthawi kwa inu. Kudziwa kuti mukusunga ndalama kumakupatsani chidaliro pazogula zomwe mumagula, zomwe zimatifikitsa ku nsonga yathu yoyamba yochepetsera nkhawa komanso kusunga ndalama. Makuponi akubwera.

10: Makuponi, Makuponi Olemekezeka!

Nthano imanena kuti mwini wake wa Kampani ya Coca-Cola, Asa Candler adapanga kuponi yoyamba padziko lonse lapansi polemba matikiti pamanja kuti amwe zakumwa zaulere za Coca-Cola mu 1887. Kuyambira pamenepo, makuponi zakhala maziko a moyo wa ogula aku America.

Tsopano ali pa intaneti ndi masamba monga Coupon Sherpa ndi mapulogalamu a foni monga Pushpin. Simukuyenera kukhala "Kuponi Kwambiri" kuti musangalale ndi zabwino za makuponi. Nawa maupangiri opangira makuponi opanda nkhawa:

Phunzirani tanthauzo lake: coupon "stackable" ndi imodzi yomwe mungagwiritse ntchito zomwe wopanga amapanga kuwonjezera pa kuponi ya sitolo. Kuponi "kawiri" ndizochitika pamene sitolo imachulukitsa mtengo wa coupon pa tsiku kapena nthawi inayake.

Khalani okonzeka: mapulogalamu am'manja ngati Pushpin konzekerani ndikusunga makuponi anu. Kwa ma voucha akale a mapepala, muyenera kuwakonza nokha ndi tsiku ndi kulemba kuti asathe ntchito musanagwiritse ntchito.

Gulani zomwe mukufuna zokha: kugulitsa sikokoma ngati shampu ya awiri-pa-imodzi ikusonkhanitsa fumbi mu kabati yanu miyezi mutagula. Dulani makuponi amtundu ndi zinthu zomwe mumagwiritsa ntchito.