Zoyenera kuchita ndi malipiro anu oyamba?

Pambuyo pa zaka zambiri za kudalira makolo anu kuti akupatseni ndalama zochirikiza moyo wanu, kupeza malipiro anu oyamba kungakupatseni chisangalalo chakuti potsirizira pake mwakhala wachikulire. Tsopano mutha kugwiritsa ntchito ndalama zomwe mwapeza movutikira pa chilichonse chomwe mukufuna popanda kuyankha kwa makolo anu.

Tsoka ilo, kukhala munthu wamkulu wogwira ntchito nthawi zambiri kumatanthauzanso kukhala wodalirika komanso wosamala pa zomwe mumalipira pamwezi. Chifukwa chakuti muli ndi ufulu watsopano wogula zinthu zambiri sizikutanthauza kuti muyenera kugwiritsa ntchito momasuka.

Musanayambe kuvala zovala zamtengo wapatali, magalimoto apamwamba, khofi wonyezimira komanso tositi yodula ya mapeyala, nazi zinthu zisanu ndi ziwiri zomwe muyenera kuziganizira. konzekerani ndi malipiro anu oyamba. Mais avant de commencer, voici un guide premium qui vous donne des meilleurs conseils pour vous permettre de mieux gérer vos finances personnelles.

Zinthu 7 zoyenera kuchita ndi malipiro anu oyamba

Kuti ndikuthandizeni kutenga mwayi pamalipiro anu oyamba ndikupeza ufulu wanu wazachuma, ndalemba zinthu 07 zomwe mungachite ndi malipiro anu oyamba.

#1 Pangani ndalama zanu zadzidzidzi

Ndi malipiro anu oyamba, mukhoza kuyamba kusunga ndalama mwadzidzidzi. Kuyambira ali wamng'ono, mwauzidwa kuti ndikofunika kusunga tsiku lamvula. Kukhala wamkulu kumatanthauza kuchita izi.

Muyenera ndalama zadzidzidzi zomwe mutha kugwiritsa ntchito mwayi uliwonse moyo ukaganiza zokuponyerani mpira wopindika. Itha kukhala nkhani yaying'ono koma yokhumudwitsa, monga kusintha makina ochapira. Zitha kukhalanso zovuta, monga kufuna chithandizo chamankhwala mwachangu pakanthawi kochepa.

Ngati mumasunga ndalama kuti muthe kuthana ndi mavuto ngati amenewa, zimakutetezani ku nkhawa zosafunikira, kubwereka ndalama, kapena kulowa m’ngongole kuti mulipirire zinthu zosayembekezerekazi.

Kuchuluka kwabwino kulinga kudzakhala kuyika miyezi isanu ndi umodzi mpaka isanu ndi inayi ndalama zomwe mumawononga pamwezi. Zimatsimikiziranso kuti muli ndi ndalama zokwanira kuti inu ndi banja lanu mupitirize kukhala ndi moyo wamakono, ngakhale mutataya ntchito ndikuyamba kufunafuna ina.

#2 Fufutani kapena muchepetse ngongole yanu

Chinthu chachiwiri choyenera kuchita ndi malipiro anu oyamba ndikuchepetsa kapena kuchotsa ngongole zanu. Pamene mukuwonjezera ndalama zomwe mwasunga, muyenera kuyang'ananso ngongole yomwe mwasonkhanitsa ndipo muyenera kubweza.

Pakadali pano, ngongole ya ophunzira ndi ngongole yomwe mwina mudakhala nayo panthawi yamaphunziro anu. Kulipira ngongole izi nthawi zambiri kumayamba mukangomaliza maphunziro anu ndipo zimatha kutenga zaka zingapo kuti muchotse.

Sikuti ngongole zonse zimapangidwa mofanana, ndipo zina zimakhala zolemera kuposa zina. Mwachitsanzo, ngongole ya kirediti kadi zimakonda kupangitsa kuti chiwongola dzanja chikwere choposa 24 peresenti pachaka, zomwe zimakhala zosakhazikika ngati ziloledwa kuchita masewera a chipale chofewa. Lipirani kaye ngongolezo, chifukwa zingawononge ndalama zanu.

Werengerani ndalama zomwe muyenera kubweza pamwezi zomwe muyenera kubweza ngongole zanu zonse ndikuyika ndalamazo pambali mwezi uliwonse kuti muwonetsetse kuti simukulipiritsa ndikubweza chiwongola dzanja china. Ngati muli ndi ndalama zochulukirapo, mutha kubweza ngongole zanu pang'ono kapena mokwanira chiwongola dzanja chachikulu.

#3 Dziwani zosowa zanu za inshuwaransi

Chinthu chachitatu choti muchite ndi malipiro anu oyamba ndikumvetsetsa zosowa zanu za inshuwaransi. Kukhala ndi inshuwaransi yoyenera yaunyamata wanu ndi chimodzi mwazinthu zofunika kwambiri pakukonza bwino ndalama. Muyenera kuyamba kuganizira zosowa zanu za inshuwaransi mutangoyamba kulandira malipiro.

Panthawiyi m'moyo wanu, chinthu chachikulu chomwe muli nacho ngati wachinyamata ndikutha kugwira ntchito ndikuwongolera ntchito yanu m'zaka zikubwerazi.

Ilinso ndiye vuto lalikulu kwambiri lomwe mumakumana nalo, chifukwa matenda osayembekezereka kapena ngozi yomvetsa chisoni ingakulepheretseni kugwira ntchito ndi kusamalira banja lanu. Ichi ndi chowonadi chowawa cha moyo.

Kuti muteteze ku chiwopsezo ichi, muyenera kuganizira kugula inshuwaransi yoyenera yaumoyo ndi moyo kuti mukwaniritse zosowa zanu. Zinthu za inshuwaransi zomwe zikuyenera kuganiziridwa pakadali pano ndi monga ndondomeko yotsekera mseri, chivundikiro cha matenda oopsa, chindapusa cha anthu olumala, ndi inshuwaransi ya moyo.

#4 Yambani kuyika ndalama

Chinthu china chochita nacho malipiro anu oyamba ndi ndalama. Ndikofunika kuti muyambe mwamsanga. Izi ndichifukwa cha mphamvu ya chiwongola dzanja chophatikizika, pomwe osunga ndalama amatha kupeza chiwongola dzanja osati pa ndalama zawo zoyambira, komanso chiwongola dzanja chomwe adapeza m'zaka zapitazi.

Kuika ndalama msanga kumapangitsanso kuti ndalama zanu zizikhala ndi nthawi yokwanira yolimbana ndi kukwera ndi kutsika kwamisika yazachuma, zomwe zitha kukhala zosasinthika.

Izi ndizofunikira makamaka ngati mumagulitsa m'magulu azinthu zowopsa monga ma equities, komwe kumakhala kofala kuwona misika ikusintha nthawi ndi nthawi chifukwa cha zinthu zosayembekezereka zakukula kwachuma.

Kuti muchepetse chiopsezo chanu, kumbukirani kutsatira a njira zosiyanasiyana poika ndalama. Izi zikutanthawuza kugawaniza ndalama zanu zogulira m'magulu osiyanasiyana azinthu zomwe sizikugwirizana, pomwe kusuntha kwamitengo mu ndalama imodzi sikukhudzanso ina, kapena kugwirizanitsa molakwika, kumene mayendedwe amtengo mu ndalama imodzi amasuntha nthawi zambiri mosiyana ndi ina, ngati n'kotheka.

Zimathandiza ngati chinthu chimodzi sichikuyenda bwino chifukwa pali zinthu zina zomwe zili mu mbiri yanu zomwe zingathandize kubweza zomwe zatayika.

#5 Tumizani chizindikiro choyamika kwa omwe akuthandizani

Malipiro anu oyamba akakhala m'thumba lanu, mutha kukondweretsa onse omwe adakuthandizani munthawi yovuta. Nthawi zambiri, timakhudzidwa kwambiri ndi chisangalalo cha ntchito yatsopano ndi zinthu zina zonse zatsopano zomwe zimabwera nazo, kuti timayiwala za anthu omwe, mwachindunji kapena mwachindunji, anatithandiza kufika kumeneko.

Anthu amene anakuuzani za ntchito, anthu amene anakuuzani inu, kapena chabe munthu amene anakutsogolerani inu pofufuza ntchito.

Ngakhale zonse zomwe zimafunika ndi " Ndikuyamika » zaulere kapena zolemba zanu kuti mukumbukire anthu awa ndikuwathokoza, ndizapadera kwambiri ngati mungawatumizire mphatso yothokoza yokonda makonda yomwe ingakhale maswiti, chokoleti, mphatso kapena chakudya chamadzulo.

#6 Ikani ndalama mu inshuwaransi ya moyo ndi thanzi

Ngakhale bizinesi yanu ikupereka zonsezi, kuyika ndalama mu ndondomeko yabwino ndi lingaliro labwino chifukwa sikudzangokutetezani ku zovuta zadzidzidzi zachipatala, komanso zidzakuthandizani kusunga msonkho kumapeto kwa chaka.

Achinyamata ambiri amadandaula za kukhoma misonkho yambiri, koma zindikirani kuti akanatha kuchepetsa misonkhoyo mwa kukonzekera ndalama zawo kuyambira pachiyambi.

Ndi bwino kugula inshuwalansi mwamsanga kuti mupindule kwambiri. Komanso, nthawi zambiri, mukakhala achichepere, mumalipira ndalama zochepa za inshuwaransi yazaumoyo.

#7 Zinthu zanu zokwera mtengo

Mupeza mwachangu kuti uchikulire wadzaza ndi zinthu zazikulu zamatikiti zomwe muyenera kusunga. Zina mwa izo zidzawononga ndalama zopitirira makumi masauzande a madola ndipo zimafuna kuti muyambe kusunga mwakhama tsopano.

Ngati mukufunikira 30 000 $ pakukonzanso nyumba yanu m'zaka ziwiri, zikutanthauza kuti muyenera kusunga 15 000 $ pachaka, pafupifupi 1 250 $ pamwezi. Kuwerengeraku kumagwiranso ntchito ngati mutayamba kusunga lero.

Mutha kukhala ndi matikiti angapo akuluakulu omwe muyenera kusunga, koma osasunga ndalama zokwanira mwezi uliwonse. Muyenera kuyamba kuika patsogolo zofuna zanu ndi kuganizira zimene zili zofunika kwambiri kwa inu.

Mwachitsanzo, ngati mutaya $ 30 paukwati wanu, kapena ngati ndalamazo ziyenera kulipidwa pakukonzanso nyumba yanu.

Ndikofunikiranso kusiyanitsa zosowa ndi zofuna. Tchuthi chakumapeto kwa chaka chomwe chimawononga $ 10 sichofunikira kuposa kulipira kwanyumba ndi denga pamutu panu.

Pokhapokha mutapanga bajeti ya ndalama zofunika kwambiri muyenera kuganizira za mwanaalirenji kapena chilichonse chopanda pake chomwe mungafune kugwiritsa ntchito malipiro anu pamwezi uliwonse.

Mwachidule…..adalira moyo

Pambuyo pa maphunziro opitilira zaka khumi, kuyamba moyo m'dziko logwira ntchito kungakhale kovuta. Kuti mutenge maudindo anu atsopano ndikukonzekera zomwe zidzachitike m'tsogolomu, muyenera kuchita khama kuyambira pamene mukuyamba kulandira malipiro anu oyambirira.

Izi zikuphatikizapo kumanga ndalama zomwe mwasunga, kuchepetsa ngongole za chiwongoladzanja chachikulu, kumvetsetsa inshuwalansi ndi kuikapo ndalama, ndi kuika pambali ndalama zogulira zofunika monga maukwati ndi kukonzanso nyumba zomwe aliyense adzadutsamo m'moyo wake wonse.

Pomvetsetsa zomwe muyenera kuchita kuti mulimbitse thanzi lanu lazachuma, mutha kukhala ndi moyo molimba mtima komanso kukhala ndi mtendere wamumtima? Izi zidzakupatsani ufulu wanu wachuma.

Ndisiyeni maganizo anu mu ndemanga