Zinsinsi zakubweza ngongole zanu

Ngati muli ndi ngongole zingapo, simuli nokha. Chifukwa cha zovuta za Covid 19, anthu ambiri achotsedwa ntchito ndipo ali ndi ngongole zambiri kuposa kale. Ndipotu ngongole ikhoza kuwononga maloto anu azachuma ndi moyo wanu waumwini.. Kaya muli ndi ndalama zochepa pa khadi lanu la ngongole mwezi uliwonse kapena mukukumana ndi mavuto ambiri azachuma, ngongole imakulepheretsani kupita patsogolo.

Kulipira ngongole ndi ngongole kumafuna kudzipereka, kutsimikiza ndi kupirira. Nawa malangizo anzeru okuthandizani kuchotsa ngongole mwachangu.

Malangizo 10 kubweza ndalama

1. Siyani kugwiritsa ntchito makhadi

Ngati mukuganiza za momwe mungabwezere ngongole zanu mwachangu, yambani ndi ngongole yanu. kirediti kadi. Ma kirediti kadi nthawi zambiri amanyamula chiwongola dzanja chapamwamba ndipo imatha kupangitsa kuti ndalama zanu zisamayende bwino.

Chinthu choyamba ndi kusiya kugwiritsa ntchito makhadi anu onse. Mukatsetsereka kwambiri, m'pamenenso bwino kukwera. Ngakhale mutapitiriza kugwiritsa ntchito khadi lanu, pewani kudalira zinthu monga kutha kulandira ndalama zolipirira.

Mosiyana ndi kutenga ndalama ku akaunti yanu yakubanki kudzera pa kirediti kadi, kubweza ndalama za kirediti kadi nthawi zambiri kumakupatsani chiwongola dzanja chambiri komanso chiwongola dzanja chokwera. Kuphatikiza apo, chiwongola dzanja chimayamba kuchuluka nthawi yomweyo, nthawi zambiri kuyambira tsiku lomwe mwatenga ngongole.

Kodi mumavutika kusiya? Yesani kuziziritsa makadi mu kapu ya ayezi. Mukadzafikanso, mwachiyembekezo mudzakhala mutasintha malingaliro anu pakugwiritsa ntchito ndalama.

2. Lipirani momwe mungathere mwezi uliwonse

Momwe mungabwezere ngongole mwachangu kumaphatikizapo masamu osavuta. Mukamalipira kwambiri, mudzamasulidwa msanga ku maudindo anu. Osamangopereka ndalama zochepa patsiku lililonse, kapena zidzakutengerani kosatha. Zoonadi, kupanga thumba lachidziwitso kuyenera kukhala chinthu chofunika kwambiri.

Koma mukakwaniritsa cholinga chimenecho, gwiritsani ntchito ndalama zonse zomwe muli nazo kuti mulipire ngongole yamakhadi kapena ngongole za ophunzira. Mukamalipira kwambiri, mudzamasulidwa msanga ku maudindo anu.

Kodi mwasunga ndalama ku golosale pounjika makuponi pogulitsa? Gwiritsani ntchito ndalamazo kuti mulipire ngongole zanu. Kodi munagwirapo ntchito owonjezera sabata yatha? Gwiritsani ntchito ndalama zowonjezera ku ngongole yanu.

3. Lipirani ngongole zanu mu rkuchepetsa ndalama zanu

Zosavuta kunena kuposa kuchita, sanali ? Njira yoyamba yochepetsera ndalama zomwe mumawononga ndikudziwa komwe ndalama zanu zikupita mwezi uliwonse. Dzifunseni kuti: Kodi mumawononga ndalama zanu makamaka pa zinthu zimene mumafuna kapena pa zinthu zimene mumangofuna?

Lembani ndalama zanu ndikuzigawa m'magulu awiri. Mwachiwonekere, ndalama monga madzi, magetsi, gasi, kapena chindapusa cha sukulu za ana anu ziyenera kukhala pagawo lazofunikira, pamene chingwe TV, ulendo wanu wotsatira wopuma, khofi wanu Daily Starbucks kapena chakudya chanu chamadzulo pa malo odyera omwe mumakonda ku Italy ayenera kulembedwa m'gawo lachiwiri. .

Choyamba, zindikirani zizolowezi zomwe mumakonda kwambiri ndikupeza njira zochepetsera kapena kuzithetseratu. Kenako, pang’onopang’ono koma motsimikizirika, pezani njira zochepetsera ndalama zanu zonse, ngakhale zimene mumaona kuti n’zofunika.

Mwachitsanzo: Kodi mwayerekeza mitengo ya mafoni kuchokera kwa othandizira osiyanasiyana kuti mupeze zotsika mtengo kwambiri? Ndalama zomwe zidzawunjike pakapita nthawi zidzakuthandizani kuchotsa ngongole mofulumira kwambiri.

Yang'anani bwino kumene ndalama zanu zikupita ndipo lekanitsani zofunikira ndi zomwe mukufuna. Pewani kupita ku cafe tsiku lililonse kapena malo omwe mumakonda masana. M'kupita kwa nthawi, ndalama izi zikhoza kuwonjezeka. Agwiritseni ntchito kukumba dzenje mwachangu kuposa momwe amayembekezera.

Ngati mukuvutika kudziwa kuti ndi ndalama ziti zomwe mungachepetse, yambani kupanga bajeti. Gwiritsani ntchito mapulogalamu monga Mukufuna Bajeti kuti ikuthandizeni kulongosola zinthu zofunika kwambiri pakugwiritsa ntchito ndalama.

Ntchito ngati billcutterz zingakuthandizeni kukambirana mabilu otsika pamwezi ndikumasula ndalama zambiri kuti mutenge ngongole.

4. Malipiro anu kawiri

Zabwino kwambiri ngati mwalipira ngongole imodzi yokha! Komabe, kukwaniritsa cholinga chimenecho sikutanthauza kuti ndi nthawi yaphwando. Pitirizani kuchitapo kanthu pogawa ndalama zomwe zaperekedwa ku ngongoleyi zomwe zamasulidwa kuti zilipire pa intaneti yotsatira.

Khadi la kingongole, likagwiritsidwa ntchito moyenera, ndi njira yabwino yopangira ngongole, kukuthandizani kuti mukwaniritse zomwe simukuziyembekezera, ngakhalenso kulipirira bizinesi yanu.

Koma muyenera kuchita zonse zomwe mungathe kuti mulipire ndalama zonse za kirediti kadi mwezi uliwonse. Kuti muzolowere kusunga ndalama zochepa, gwiritsani ntchito kirediti kadi ngati kuti ndi kirediti kadi, ndipo muzilipira zokha kuti mulipire ndalama zanu mwezi uliwonse.

5. Gwiritsani ntchito malonda kuti muthe kulipira malonda

Ngati mupeza mphepo yamkuntho mwadzidzidzi, monga kubwezeredwa kwa msonkho kapena bonasi kuntchito, musati splurge pa izo. M'malo mwake, lumani ndikugwiritsira ntchito ndalama zina kuti mulipire ngongole.

Njira imodzi yotsimikizirika yolipirira ngongole yanu mwamsanga ndiyo kugwiritsa ntchito ndalama zimene mwalandira mosayembekezereka. Mwachitsanzo, mukalandira bonasi yantchito yantchito yapadera kapena kutseka chinthu chofunikira. Makampani ambiri amapereka mabonasi pakati pa chaka komanso pa Khrisimasi.

Kodi mwakwezedwa malipiro? Perekani ndalama zowonjezera mwezi uliwonse kuti mulipire ngongole yanu. Ngati muli ndi bizinesi yanu, phindu likhoza kukhala kubwezeredwa kwa msonkho kapena kuchotsera komwe mumalandira kuchokera kwa anzanu. Mwachidule, nthawi iliyonse mukakhala ndi njira yowonjezera yopezera ndalama, musamawononge pa zofuna zanu ndikuzigwiritsa ntchito kuti mulipire ngongole yanu.

6. Freelance kuti mupeze ndalama zowonjezera

Mukafuna kubweza ngongole mwachangu, musamangoganizira kwambiri za kusunga ndalama. Nthawi zina njira yofulumira kwambiri ndiyo kupeza ndalama zambiri. Yesani dzanja lanu pa freelancing kuti mupeze ndalama zowonjezerapo.

Nthawi zina, mutha kupanga ndalama zambiri, zonse ziyenera kulowa mu thumba lobweza ngongole. Yang'anani misika yaodzichitira okha ngati Fiverr, kapena ganizirani kugwiritsa ntchito galimoto yanu kuti mupeze ndalama poyendetsa ntchito yobweretsera ngati Postmates.

7. Kambiranani ndi ngongole zokhala ndi chiwongola dzanja chambiri kaye

Ngakhale ena amalumbira kuti njira yabwino yobwezera ngongole ndi njira ya snowball - zomwe zimasonyeza kuti mumalipira ngongole ndi ndalama zotsika kwambiri kuti muyambe kukula - zimapanga nzeru zambiri zachuma kuti achotse ngongolezo ndi chiwongola dzanja chambiri kaye. THE cholinga chachikulu ndikubweza ngongoleyo mwachangut, komabe, chisankho ndi chanu.

8. Pangani bajeti yanu

Ngati mwawerenga mpaka pano, mukulipira ngongole yanu mwachangu kwambiri. Imodzi mwa njira zabwino zomwe mungatsatire ndikupanga bajeti yosavuta, zomveka komanso zosavuta.

Bajeti imapitilira kugawa zomwe mumagula pamwezi ndi zomwe mukufuna komanso zomwe mukufuna, monga tafotokozera kale. Bajeti yolembedwa idzakuthandizani kupenda ndendende komwe ndalama zanu zikupita mwezi uliwonse ndikukupatsani ndondomeko yogwiritsira ntchito chaka chonse.

Mudzatha kuzindikira cholinga chanu mosavuta (kwa inu, kugawa ndalama zambiri kuti mulipire ngongole zanu mpaka mutalipira zonse) ndipo musapatuke pa cholinga ichi. Onani nkhaniyi mukudziwa momwe mungakonzekere bajeti yanu.

9. Landirani vutolo ndi maganizo abwino

Chowonadi ndi chakuti simuyenera kusiya zinthu zabwino kwambiri m'moyo ngakhale mutadzipereka kubweza ngongole zanu mwachangu. Osakumana ndi vuto limeneli ngati nsembe. Yandikirani ngati kusintha kwabwino m'moyo wanu komanso zizolowezi zoyipa zakale.

Zimenezi zingachititse kuti mukhale ndi chizoloŵezi chathanzi, chokhazikika. Kodi ndinu membala wa malo ochitira masewera olimbitsa thupi okwera mtengo? Letsani kulembetsa kwanu ndikusewera masewera kupaki kapena kunja.

Kodi mumapita kokadya kumapeto kwa sabata kumalo odyera apamwamba? Phunzirani kuphika mumaikonda maphikidwe kunyumba. Kodi zikwama ndi nsapato za opanga ndi zomwe mukufuna? Mutha kupeza zinthu zofanana kwambiri pa intaneti pamitengo yabwino. Zilinso chifukwa chosiyira.

Zosinthazi sizidzangokhudza thanzi lanu, komanso pa chikwama chanu. Mudzadabwa kuti mungasunge ndalama zingati kuti mulipire ngongole yanu mwachangu.

10. Gulitsani chilichonse chomwe simukufuna

Ambiri aife timasunga zinthu zomwe sitizigwiritsa ntchito kawirikawiri. Zinthu zina zomwe simuzigwiritsanso ntchito zitha kukhala zamtengo wapatali - yesani kuzigulitsa. Mutha kugwiritsa ntchito ndalama zomwe mwasonkhanitsa kuti mulipire ngongole yanu mwachangu.

Kugulitsa garaja wamba ndi imodzi mwa njira zotsika mtengo komanso zosavuta zogulitsira zinthu zomwe mukufuna kuchotsa, kapena mutha kuchita pa intaneti: eBay, Craigslist, Etsy kapena LetGo ndi ena mwa nsanja zodziwika bwino pazifukwa izi.

Powombetsa mkota…

Malangizo 10 awa agwira kale ntchito kwa ambiri omwe ali ngati anu. Ngati mukuona kuti ngongoleyo ikukulirakulirani, ganizirani kuti si mapeto a dziko ndipo chilichonse chili ndi njira yothetsera vutolo.

Muyenera kukhala olimba mtima kuti muyandikire ndikusanthula momwe zinthu ziliri, ndikugwiritsa ntchito njira zomwe zimakugwirirani bwino pakati pa omwe atchulidwa pano. Kulipira ngongole kungafunike kuti musinthe moyo wanu, koma siziyenera kukhala zokhumudwitsa.

Ngati mukuvutika kuzolowera zinthu zatsopano, sinthani pang'onopang'ono kuti ntchitoyi isakule kwambiri.

Pazovuta zanu zonse, ndisiyirani ndemanga.