Ngati zonse zosangalatsa, ndalama wabwera ndi katundu mapeto. Mabanja ambiri mu nkhani zabwino, masiku pang'ono malipiro sikhala kupeza kuti kachikwamako ali kanthu. Kodi kuphunzira ntchito ndalama mwanzeru ndi moyo mwa njira yanu? M'mene angakonzekere bajeti kunyumba, kukhala mu zakuda?
Kumabweretsa tizimvera ndalama
Ndipotu, moyo wa munthu wolemera si wosiyana kwambiri kuchokera kukhalapo kwa osauka. Kodi mukuganiza kuti ndi N'zokayikitsa akufunazo? Taganizirani zimene mumapeza mwezi adzakhala pawiri zimene mumathera 'anagwa kuchokera kumwamba, "ndalama zambiri? Ambiri ogula imeneyi (mwachitsanzo, pamene kusamukira ku malo kwambiri yapamwamba) akuyamba kupeza zofunikira ndi chizolowezi zinthu mlingo wapamwamba wachibale amene m'mbuyomu. M'mawu ena, amayamba adzakhala kuwasindikiza zovala amatikumbutsa quality zilipo, zodzikongoletsera, ndi oikamo, foni ndi kompyuta zopangidwa wotchuka kwambiri. Zonsezi ndi zabwino, koma kodi zingakhale zomveka ngati banja lanu akhoza kukwaniritsa zofuna ndalama panopa? Mwachitsanzo Izi zimatithandiza kuti atenge ulamuliro loyamba m'mene angakonzekere nyumba bajeti: kumanga mapulani kwa ndalama zilipo.
Ife akatunge mapulani chuma ndi jambulani tebulo
Pali njira yotsika yosavuta sadzakhala opanda ndalama. Kuti tichite zimenezi, muyenera kuwerengera chiwerengero cha ndalama atathana pamwezi. Izi zikuphatikizapo mtengo wa zofunikira, yobwereka nyumba, ngati aliyense, maphunziro ana ndi zina zotero. Ndi kulambira pang'ono, mumvetsa mmene kuchita bajeti kunyumba, ndipo ndidzadzaza ndi ndalama chithunzithunzi tebulo. Timalandira malipiro mwezi, kuchedwa kuwerengera ndalama. The ndalama otsala anagawa ndi nambala ya masiku mpaka kubwezeretsa lotsatira ndalama. Chifukwa, ife asiya kudya ndalama patsiku. Chifukwa ndi losavuta kumva, mukhoza kusinthitsa ndalama ndi kuika mu envulopu osiyana, lembani tsiku. Ngati kuchuluka lonse masana si ntchito, n'zotheka kugula chinthu chabwino kapena kulephereka.
M'mene angakonzekere bajeti kunyumba, ndi kusunga?
Aerobatics mu zogona - kubweretsa kunyumba kuyankha molondola mlingo mafakitale. Pankhaniyi, muyenera tebulo banja bajeti imene inu adzalowa mwatsatanetsatane dongosolo zogula. Yesani kuwerengera m'mene mukufunira mankhwala, mankhwala banja consumables ena nyumba kwa mlungu umodzi, ndiye womasuka kupita ku malo momwenso ndi kusunga. Musaiwale kubweretsa ndalama bajeti pa zoyendera kudya ndi zosangalatsa. Ngati ndalama pafupifupi banja, mungafunike kusunga ndalama zogula iliyonse yaikulu. Ndi chithunzithunzi kulowa zina malipiro mwezi ndi kuchedwa amatanthauza kugula ankafuna.
Tsopano inu mukudziwa m'mene angakonzekere bajeti kunyumba, koma m'pofunika kuganizira mfundo ina yofunika: kuchuluka kwa ndalama ayenera banja lililonse. Ngakhale ngati sufuna kugula chinachake chachikulu kapena kukonza, katundu ayenera kukhala. Palibe amene akudziwa mawa, mwinamwake, mudzakhala zipolopolo kuchokera ku ntchito, amafuna ndalama kukonza galimoto. Ndipo ngati inu mulibe zimenezi, m'pofunika kwambiri kuti akonze kuchuluka kwa ndalama, inu kudzaza ngati n'koyenera.