Malangizo 1 azachuma kwa omwe angokwatirana kumene

Kuyamba moyo wanu watsopano monga okwatirana kumene kumatanthauza kusakaniza maiko anu, ndipo izi zimaphatikizapo ndalama zanu. Kulankhula zandalama sikungakhale koyambitsa zokambirana zachikondi, koma ndi mutu wofunikira kukhala nawo. Chifukwa chake iKupeza malangizo abwino azachuma kwa ongokwatirana kumene n’kofunika kwambiri zomwe zingakuthandizeni kugwiritsa ntchito bwino ndalama zanu.

Ngakhale mutakhala kale limodzi musanalowe m’banja, kasamalidwe ka ndalama kadzasintha mukakhala ogwirizana nawo mwalamulo. Zingakhale zovuta kuyankhula za ndalama izi poyamba, koma zidzakuthandizani luso lolankhulana ndipo adzapewa kusamvana kulikonse pazachuma m’tsogolomu.

Kuphatikiza apo, kugwira ntchito limodzi ndi ndalama zanu kumalimbitsa ubale wanu ndikukuthandizani kwaniritsani zolinga zanu zachuma pamodzi ! M'nkhaniyi, ndi chidziwitso changa chaching'ono monga wokwatiwa kumene, ndikugawana nanu malangizo okuthandizani kusamalira ndalama zanu ngati mwangokwatirana kumene.

Tiyeni

🥀 Chifukwa chiyani kasamalidwe kachuma ndi kofunikira ngati banja?

Kasamalidwe kachuma m'banja ndikofunika kwambiri kuti ubale ukhale wokhazikika komanso wogwirizana. Zowonadi, momwe okwatirana amasamalirira ndalama zitha kukhudza kwambiri chuma chawo, moyo wabwino komanso utali waubwenzi wawo.

Kupewa mikangano yokhudzana ndi ndalama

Ubwino umodzi waukulu wakuwongolera bwino zachuma monga banja ndi kupewa mikangano kugwirizana ndi ndalama. Kusemphana maganizo pankhani ya kuwononga ndalama, ngongole ndi zolinga zandalama kungawononge mwamsanga ubwenziwo. Pokhazikitsa kulankhulana momasuka ndikugwira ntchito limodzi kupanga dongosolo lazachuma, maanja atha kupewa mikangano yambiri ndikulimbikitsa ubale wawo.

Kuwonetsetsa kuti chuma chikuyenda bwino m'nyumba

Kusamalira bwino ndalama kumathandizanso kuti banja likhale lolimba. Mwa kukonza bajeti, kusunga ndalama zimene simukuyembekezera ndiponso kusungira ndalama za m’tsogolo, okwatirana angapirire bwino mavuto a m’moyo ndi kupewa mavuto a zachuma osafunikira.

Kuthandizira kukwaniritsa zolinga zofanana

Kaya mukugula nyumba, kukonzekera ulendo kapena kukonzekera kupuma pantchito, kusamalira bwino ndalama kumathandiza okwatirana kukwaniritsa zolinga zawo. Pogwira ntchito limodzi kuti akwaniritse zochitika zachuma izi, ogwira nawo ntchito amalimbitsa mgwirizano wawo ndikulimbitsa mgwirizano wawo.

Limbitsani kukhulupirirana ndi kuwonekera poyera mu ubale

Pomaliza, kasamalidwe ka chuma mwachilungamo komanso mwachilungamo kumalimbikitsa kukhulupirirana pakati pa awiriwo. Pogawana maudindo azachuma komanso kukhala oona mtima pankhani zandalama, okondedwa amamanga chikhulupiliro chomwe chimasefukira m'mbali zonse za ubale wawo.

🥀 Malangizo 10 azachuma kwa omwe angokwatirana kumene

Musalole kuti nkhani zandalama zisokoneze ubale wanu. Nawa maupangiri 10 a ongokwatirana kumene kuti asunge ndalama zawo moyenera!

1. Lankhulani za mbiri ya banja lanu la zachuma

Kukambirana mbiri ya banja lanu la zachuma ndi imodzi mwa malangizo ofunika kwambiri omwe mungachite ngati muli pabanja. Kukambitsirana za mbiri ya banja lanu ndi ndalama ndi njira yabwino yoyambira kukambirana za chuma chanu chaukwati.

Auzeni mmene makolo anu ankagwiritsira ntchito ndalama, zimene munaphunzira kwa iwo Financial pitilizani ndi mmene anakuphunzitsani kupulumutsa kapena ndalama zitha kukhala zothandiza kwa maanja.

Zingakuthandizeninso kudziwa ngati muli ndi vuto lazachuma kapena muli ndi zotchinga zandalama zomwe muyenera kuyesetsa. Mwanjira iyi, mutha kuwafikira ngati gulu ndikuyesetsa kuchita bwino pazachuma!

2. Akaunti yakubanki yolumikizana kwa okwatirana kumene

Mukaganiza zotsegula a akaunti yakubanki yolumikizana monga okwatirana kumene, muyenera kupita ku banki yomwe mwasankha. Mukafika, muyenera kupereka zikalata zanu, umboni wa adilesi komanso chiphaso chaukwati kuti mumalize kutsegulira akaunti.

Ndikofunikira kuti mukambirane mwatsatanetsatane za kasamalidwe ka akaunti ndi mwamuna kapena mkazi wanu, monga zilolezo zochotsa, udindo wandalama, ndi momwe ma depositi ndi kuchotsera zidzasamalidwe. Pokhazikitsa bwino mawuwa kuyambira pachiyambi, mutha kupewa kusamvana ndikuwongolera bwino ndalama zanu ngati banja.

Kutsegula akaunti yakubanki yolumikizana kumapereka mwayi wofewetsa kasamalidwe kazachuma kwa ongokwatirana kumene, poika ndalama zapakhomo ndi zowonongera zapakhomo. Izi zingapangitse kuti zikhale zosavuta kulipira mabilu ophatikizana ndikupeza ndalama zosungira pamodzi. Kuphatikiza apo, akaunti yolumikizana ikhoza kulimbikitsa kuwonekera pazachuma m'banjamo.

Komabe, izi zikutanthawuzanso kutaya ufulu wodziyimira pawokha pazachuma, popeza aliyense ali ndi mwayi wopeza ndalama. Kuphatikiza apo, pakagwa kusagwirizana kapena kupatukana, kuyang'anira akaunti yolumikizana kumatha kuyambitsa mikangano. Choncho ndikofunikira kulankhulana bwino ndikufotokozera malamulo omveka bwino kuyambira pachiyambi.

3. Pangani bajeti zingapo

Mukakwatirana ndikukhala limodzi, mudzafunika kupanga bajeti ya banja pamwezi ngati banja. Choyamba, pezani ndalama zomwe mumagawana pamwezi.

Kenako, lembani ndalama zomwe mumawonongera pamwezi, zosangalatsa, Ngongole zanyumba, inshuwalansi, komanso ngongole ndi ngongole zina. Mutaphunzira mndandandawu, dulani ndalama zosafunikira.

Kukhala ndi bajeti kudzakuthandizani kumvetsetsa bwino kuchuluka kwa ndalama zomwe muyenera kubweretsa pamwezi ndikukuthandizani kuthana ndi ngongole ndikupewa kuwononga ndalama zambiri. Uwu ndi umodzi mwaupangiri wofunikira kwambiri kwa omwe angokwatirana kumene kuti agwiritse ntchito pazachuma chanu.

4. Nthawi zonse muzikambirana ndi mwamuna kapena mkazi wanu nkhani zachuma

Ndalama zaukwati wanu siziyenera kusesedwera pansi. Zinthu ziyenera kusintha nthawi zosiyanasiyana m'banja lanu. Chifukwa chake khalani ndi chizolowezi chowunikanso ndalama zanu pamwezi kapena kawiri pamwezi kuti muwonetsetse kuti mukukhala zoona. ku bajeti ya banja lanu.

Langizo lathu kwa ongokwatirana kumene ndikuwapangitsa kukambirana kosangalatsa. Inde, ndalama ndi nkhani yaikulu koma ndi bwino kulankhulana bwino. Mwina konzani zokambirana zopezera ndalama za mchere ndikusangalala ndi keke yokoma mukamalankhula ndalama.

5. Khalani oona mtima pa ngongole yanu

Langizo laukwati lomwe limakhudza mbali zonse za ubale wanu ndi ili: khalani oona mtima ndi mnzanu. Izi ndi zoona makamaka pankhani ya ndalama. Simungafune kukokomeza ndalama zomwe mumapeza, kapena kunama za kuchuluka kwa ngongole zanu.

Ambiri amaona kuti ngongole ndi yochititsa manyazi, koma zoona zake n’zakuti anthu ambiri amakhala ndi ngongole nthawi ina m’miyoyo yawo. Zitha kukhala ngongole za ophunzira, ngongole ya kirediti kadi, ngongole yanyumba, kapena ngongole yagalimoto. Mulimonse mmene zingakhalire, muuzeni mnzanuyo za ndalama zimene muli nazo musanalowe m’banja.

Mukangokambirana za ngongole zanu momasuka, khalani ndi cholinga chothana nazo monga okwatirana. Mwina simungaone ngati ndi udindo wanu kubweza ngongole imene mwamuna kapena mkazi wanu anasonkhanitsa musanakhale pachibwenzi.

Komabe, ngongole yawo ingakulepheretseni kupeza ngongole kapena kugula nyumba pamodzi. Komanso, akalumikizidwa ku akaunti yanu yakubanki, mumakhala ndi udindo pa ngongole zilizonse zomwe zimachitika m'banjamo. Choncho, mukhoza kuchepetsa ngongole zanu mofulumira ngati mukuchita pamodzi.

Kungonena monga momwe ndachitira kumawoneka kosavuta koma sizimakhala choncho nthawi zonse. Chifukwa chake, ndinaganiza zogawana nanu maphunziro apamwamba omwe ndidagula pa intaneti ndipo adandithandizadi kuchotsa ngongole zanga zaka ziwiri zapitazo. Dinani ulalowu ngati mukufunanso kugula maphunziro awa.

6. Pangani thumba lachangu

Simudzanong'oneza bondo popanga a thumba ladzidzidzi pambuyo pa ukwati. Akaunti yosungirako zokhomayi ndi njira yabwino yosungira ndalama pakagwa mwadzidzidzi kapena zochitika zosayembekezereka. Mwachitsanzo: ngati mwataya ntchito, ngati mwadzidzidzi mukuyembekezera mwana, ngati denga likutuluka, galimoto ikusweka, ndipo mndandanda umapitirira.

Pangani a akaunti yosungirako m'mayina anu onse awiri ndikukhazikitsa zosinthira zokha kudzera pa pulogalamu yanu yakubanki yapaintaneti kapena sinthani ndalama muakaunti pamwezi. Thumba ladzidzidzi lidzakula pang'onopang'ono pakapita nthawi ndikukupatsani mtendere wamumtima ngati chinachake chosayembekezereka chingachitike.

7. Musabise mmene mumawonongera ndalama

Vuto lofala lomwe limayambitsa mikangano m'banja ndilo vuto la kuwononga ndalama. Popeza kuti anthu ambiri aku America amawononga pafupifupi $7 pachaka, sizodabwitsa.

Kuwononga ndalama mopambanitsa kungayambitse ngongole, kungayambitse kusakhulupirirana, ndi kupanda ulemu m’banja. Pewani zovuta zaubwenzizi pofunsana ndi mnzanu musanagule zinthu zazikulu komanso kukhala womasuka komanso wowona mtima pamagwiritsidwe ntchito ka ndalama.

8. Konzani Zopuma Pantchito ndi Pangani Mapulani a Malo Pamodzi

Limodzi mwa malangizo athu ofunikira kwa ongokwatirana kumene ndikukonzekera kupuma pantchito limodzi. Kupuma pantchito kudzakhala gawo lalikulu laukwati wanu.

Iyi ndi nthawi yomwe mumapumula, ikani mapazi anu ndikuyamba kusangalala limodzi. Mutha kukonzekera zopuma pantchito popanga maakaunti osungira mukapuma pantchito.

Mukhozanso kuyankhula ndi mlangizi wazachuma pakupanga ndalama ndikupanga dongosolo la malo ngati gawo la dongosolo lanu lopuma pantchito.

Ndikofunikira kusinthasintha ma portfolio anu kuti mumange bwino maakaunti anu opuma pantchito. Kuchepetsa ndalama zosafunikira komanso kukonza bajeti molingana ndi moyo wanu wonse wogwira ntchito ndi malingaliro abwino okonzekera kupuma pantchito.

9. Pangani zolinga zachuma monga ongokwatirana kumene

Imodzi mwa malangizo abwino kwambiri azachuma kwa okwatirana kumene ndi kupanga zolinga zachuma pamodzi. Kukhala ndi zolinga kungakuthandizeni kukwaniritsa masomphenya anu akuluakulu a moyo!

Poika zolinga, kumbukirani kuzipanga zenizeni ndi kuzipimika. Ndikwabwinonso kukhazikitsa zolinga zanthawi yochepa, yapakatikati ndi yayitali.

Mwachitsanzo, Zolinga zazifupi zitha kukhala zinthu monga kusunga tchuthi kapena Khrisimasi. Izi Zolinga nthawi zambiri zimakhala pakati pa miyezi 12 ndi 24. Zolinga zanthawi yapakatikati zimafuna kukonzekera kochulukirapo komanso ndalama zambiri kuposa zolinga zanthawi yochepa. Mwachitsanzo, kusunga galimoto kapena malipiro ochepa panyumba.

Zolinga zanthawi yayitali zimatengera kukonzekera komanso kutsimikiza mtima kuti zitheke. Zolinga izi zikuphatikiza zinthu monga kusunga ndalama mukapuma pantchito kapena kulipira ngongole yanu yanyumba.

Chifukwa chake, kupanga zolinga zachuma ndi imodzi mwamaupangiri ofunikira kwa okwatirana kumene omwe angakuthandizeni kukhazikitsa masomphenya amoyo wanu limodzi.

10. Konzani masiku otsika mtengo

Upangiri umodzi wofunikira kwa omwe angokwatirana kumene ndikupeza zosangalatsa, zokonda zachikondi zomwe sizingawononge bajeti yanu. N’zosavuta kutengeka ndi kupita kokasangalala, kudya chakudya chamadzulo chamtengo wapatali komanso kupita kukaonera mafilimu nthawi zonse, koma n’kokwera mtengo msanga.

Komabe, ndikofunikira kupatula nthawi ndikukhala ndi masiku amasiku omwe mungatengerepo mwayi.

Pali malingaliro ambiri a phwando lanyumba kwa maanja pa bajeti! Mutha kukonza fondue, nthawi yokumana ndi spa kapena kukonzekera chakudya limodzi. Kusangalala pamodzi popanda kuwononga ndalama zambiri ndi malangizo abwino kwambiri osungira ndalama kwa okwatirana kumene.

🥀 Powombetsa mkota…

Mmodzi mwa malangizo abwino azachuma omwe mungatsatire ngati mwangokwatirana kumene ndikukhala oona mtima nthawi zonse zangongole zanu, ndalama zomwe mumapeza, komanso mbiri yanu ya bajeti.

Nkhani yokhudzana ndi zachuma m'banja ndi yofunika, koma m'pofunika kuti muzikambirana nthawi zonse ndi wokondedwa wanu. Kulankhulana n’kofunika kwambiri pankhani ya ukwati.

Malangizo azachuma awa kwa omwe angokwatirana kumene angakuthandizeni kupanga bajeti bwino, kupanga zolinga, ndipo koposa zonse, kupeza zinthu zosangalatsa zochitira limodzi. Bwanji osayamba ndi kutenga maphunziro athu azachuma aulere pamodzi kuti tigwire ntchito yopambana pazachuma!

🥀Mafunso

Kodi ubwino wotsegula akaunti yakubanki kwa okwatirana kumene ndi ati?

Kutsegula akaunti yakubanki yophatikizana kumathandizira kasamalidwe ka ndalama mosavuta, kumathandizira kulipira ndalama zolowa pamodzi komanso kumalimbitsa kuwonekera kwachuma m'banjamo.

Ndi zolemba ziti zomwe nthawi zambiri zimafunika kuti mutsegule akaunti yakubanki yolumikizana?

Zikalata, umboni wa adilesi komanso nthawi zina satifiketi yaukwati zimafunikira mukatsegula akaunti yakubanki yolumikizana.

Kodi kuipa kokhala ndi akaunti yakubanki yolumikizana ndi chiyani?

Maakaunti akubanki ophatikizana angapangitse kuti munthu asakhale ndi ufulu wodziyimira pawokha pazachuma ndipo pakasemphana maganizo kapena kupatukana, kuyang'anira akauntiyo kungayambitse mikangano.

Momwe mungapewere mikangano yokhudzana ndi akaunti yakubanki yolumikizana?

Kulankhulana momasuka, kukhazikitsa malamulo omveka bwino kuyambira pachiyambi, ndi kufotokozera zolinga zachuma zomwe zimagawana ndizofunikira kuti tipewe mikangano yokhudzana ndi akaunti yakubanki yogwirizana.

Tisiyeni ndemanga ndikugawana