Zowonongeka kaŵirikaŵiri pakukonzekera ntchito yopuma pantchito: musawalole iwo!

Nthaŵi zina penshoni imatha kunyalanyaza, pamene mukugwira ntchito yolenga banja, kulera ana ndi kumanga ntchito. Ndiyeno maloto oti azakalamba mu nyumba ya kumudzi, kusewera golf ndi kumasuka pamphepete mwa nyanja, akhoza kukhala kofunika kuvala zovala ndi kuwalonjera anthu pakhomo la hypermarket, kutaya pansi. Mpaka chomwecho chidzakuchitikirani, tikukulangizani kuti muphunzire zolakwika zomwe zikukhudzana ndi ndalama zapenshoni kuti muteteze kuti zisadzachitike m'moyo wanu.

1. Kukonzekera kwakukulu kapenanso kukonza mapulani

Anthu ena sakudziwa kapena sasamala za ndalama zomwe angafunike kuti apume pantchito yabwino. Ganizirani zosowa zanu ndi mwayi wanu. Ganizirani momwe mukuwonera moyo wanu m'tsogolomu, zomwe mukusowa, ndalama zomwe zingapereke njira yotereyi. Momwemo, ndi bwino kuti muwirirenso chiwerengero ichi ngati mwadzidzidzi muli zosayembekezereka.

Mwachitsanzo, ndalama zambiri zimatha kupita kuchipatala, chifukwa ukalamba nthawi zambiri ndizofunikira. Choncho, muyenera kuwerengera momwe madokotala ndi anamwino amathandizira, mankhwala, kukhala ndi ndalama zowonongeka, komanso ngati zili choncho, onjezerani ku ndondomeko ya ndalama zomwe mwasungira pa ndalama.

Pa intaneti, mungapeze ma calculator osiyanasiyana omwe amathandiza kuwerengera ndalama zomwe zikufunika kuti mupume pantchito. Yesani kuyamba kulingalira pafupifupi kuchuluka kwa momwe mungayankhire, ndiyeno funsani kufotokozera kwa akatswiri a zachuma.

2. Kuphunzira pamwamba pa zomwe akufuna kuti zikhalepo

Ndikofunika kufufuza mosamala mapulojekiti onse ndikugwiritsira ntchito nokha, chifukwa ichi ndi chitsimikizo cha tsogolo lanu labwino. Ndikofunika kuwerengera kuti chiwongoladzanja chikupezeka mu mabanki osiyanasiyana, ndikupeza zomwe zilipo kuti mutsegule ndalama zina zapenshoni. Ambiri amanyalanyaza uphungu umenewu, ndikukhulupirira ndi mtima wonse kuti adzakhala ndi ndalama zokwanira zomwe zimachotsedwa pamwezi wawo. Pokhapokha ndikofunika kukhala wokhutira ndi ndalama zochepa ndikukhala ndi khobidi, yomwe, ndithudi, sangathe kukhutiritsa chilakolako cha kupumula kwathunthu ndi kupumula mu ukalamba.

3. Ganizirani za penshoni musanafike

Mawu otchuka akuti "konzekerani kukolola m'chilimwe, ndipo ngolo m'nyengo yozizira" idzakhala yoyenera pa nkhaniyi. Pambuyo pake, mwamsanga mutayamba kubwerera, padzakhalanso kuchuluka kwa ndalama. Pamene muli aang'ono, nthawi zonse mumakhala zinthu zina zomwe mumagwiritsa ntchito: mukufuna kupuma kunja, kubwezeretsa maphunziro kwa ana, kugula nyumba ndikukonzekera bwino ... Ndipo zambiri mwazomwezi ziri zofunika osati pokhapokha pa zaka zapuma pantchito, komanso panthawi yachinyamata. Koma palibe chitsimikizo kuti wina adzakhoza kukuthandizani mokwanira mu ukalamba, choncho ganizirani zomwe zili bwino kuposa inu nokha, palibe amene adzakusamalirani.

4. Kusayang'anitsitsa

Pamene ndinu wachinyamata, mukufuna kukhala moyo wathunthu, kusangalala ndi mphindi iliyonse ya moyo, ndikuphwanya ndalama iliyonse yomaliza. Kapena, mwinamwake mukuchita bwino mu bizinesi ndikuyesera kuti ndalama zonse zizipita patsogolo. Koma mnyamata woperekedwa pamodzi ndi kuona mwachidule, monga lamulo, kumabweretsa zotsatira zomvetsa chisoni. Tangoganizirani izi, pokhala wozoloŵera moyo watetezeka mudakali aang'ono, udzakhala wovuta kwambiri kusintha ndondomeko yolimba yopulumutsa mu ukalamba, pamene ndalama sizifunikiranso zosangalatsa, koma kuti ukhalebe ndi ntchito yofunikira pa chikhalidwe choyenera.

5. Kutaya ndalama za ndalama

Mukadziwa kuti kubanki muli ndi ngongole yokhala ndi ndalama zambiri, pali ngozi yaikulu kuti tsiku lina simungathe kukana ndi kugwiritsa ntchito ndalamazi, ngati sizinthu zonse, mwina mbali imodzi. Komabe, zimalimbikitsidwa kuti musaganize za zopereka monga ndalama zomwe zingathe kubweredwa nthawi iliyonse. Kumbukirani: Kumene kuli kofunika kwambiri komanso kofunika kwambiri m'kukalamba, pamene thanzi silikulolani kukuwonetsani mwezi. Gwiritsani ntchito pokhapokha ngati mukufunikira kwambiri, ngati palibe zosankha zina zomwe zatsala!