Kukwatira Chifukwa Chandalama: Kodi Ndi Njira Yoyenera Kwa Inu Ndi Momwe Mungapangire Kuti Igwire Ntchito?

Ndi zinthu ziti zomwe mumaziona kuti sizingakambirane posankha bwenzi? Kodi chikondi ndi chomwe chimapangitsa dziko lanu kuzungulira? Kapena muli okonzeka kukwatiwa ndi ndalama? Kodi ndikofunikira kwambiri kugawana zomwe mumakonda komanso zomwe mumakonda? Kapena kodi ndinu munthu wothandiza amene mumamvetsetsa kuti chuma chamtsogolo ndi kukwatiwa bwino ndizofunikira kwambiri paubwenzi wokhalitsa? 

Malingaliro ndi malingaliro pambali, pamafunika kukhwima ndi chidziwitso kuti mumvetsetse kuti moyo ukhoza kukhala wovuta kwambiri, ndipo zambiri mwazovutazi zitha kuthetsedwa ndikugwiritsa ntchito ndalama zopanda malire. Kaya mukufuna kuthawa zovuta za moyo wanu wapakati kapena muli ndi chiyembekezo chodzakwatiwa ndi milionea, palibe manyazi kusewera masewera andalama pamsika waukwati. Kukwatira chifukwa cha ndalama sichinthu chamanyazi, ndipo ndi nthawi yoti timve zambiri za ubale woterewu. 

Kukwatira Chifukwa Chandalama - Mchitidwe Wakale Wakale

“Siukudziwa kuti mwamuna kukhala wolemera ali ngati mtsikana wokongola? Mawu otchuka awa a Marilyn Monroe akuwonetsa mphamvu yakukwatira munthu chifukwa chandalama. Malinga ndi iye, kukhala ndi ndalama kunaposa chosankha chokwatira chifukwa cha chikondi chifukwa chakuti kumapangitsa moyo kukhala wosavuta. Ndipo tiyenera kuvomereza. Lerolino, ndi nkhani monga kusatsimikizirika kwa ntchito, kukwera kwa mitengo ya zinthu, kukwera kwa mitengo ya zinthu, kukwera kwa mitengo ya malo ndi nyumba, ndi ngongole ndi ngongole, n’zosadabwitsa kuti kukwatira chifukwa cha chisungiko chandalama kukukulirakulira. Komanso osati zoipa.

Mu Survey ya Chikondi ndi Ndalama yolembedwa ndi Money Management International, malipoti anasonyeza kuti okwatirana ambiri amene amapeza ndalama zambiri amanena kuti anali osangalala powayerekezera ndi okwatirana amene amapeza ndalama zochepa. Anthu oposa 60 pa 100 alionse amene ali m’banja amaona kuti mavuto azachuma ndi amene amayambitsa mavuto m’banja. Ambiri aife taona makolo athu akuvutika ndipo sitikufuna kubwereza mkombero womwewo. Ngati wina afunika kulonjezana kwamuyaya, bwanji osapanga chisungiko chandalama chimodzi mwa zifukwa zochitira zimenezo?

Maukwati ozikidwa pa chuma ndi kugwirizana kwa mabanja ndi nkhani yakale kwambiri. M'mbuyomu, mabanja achifumu, komanso masiku ano, akatswiri azamalonda amangokwatirana m'mabanja ena olemera. Maukwati okonzekera ndalama amakhazikitsidwabe potengera malowolo komanso kuchuluka kwa chuma chomwe akwatibwi amabweretsa ku mabanja amwamuna wawo. Kumayambiriro kwa zaka za zana lino, akazi sakanatha kugwira ntchito, ndipo kukwatiwa ndi mwamuna wachikulire ndi ndalama kunali njira yolandirika. Palibe mwa izi ndi nkhani. Ndalama ndi ukwati pitirizani kukhala ovomerezeka mwangwiro kuphatikiza kwa ambiri, mosasamala kanthu za kugonana kapena kugonana.

Anthu amakwatirana chifukwa cha ndalama pazifukwa zingapo, ndipo kusankha kutero kumadza ndi mapindu akeake ndi zovuta zake. Ndipo nthawi kafukufuku angapo amanena kuti akazi angasankhe chikondi m'malo mwa ndalama, palinso zotsutsana zomwe amayi oposa 70% adanena kuti amakana wokwatirana naye ngati alibe ntchito. Akazi amakwatiwa ndi ndalama chifukwa cha bata lomwe limawapatsa. Amuna amene amakwatira chifukwa cha ndalama akhoza kutero pofuna kupeza ntchito. Kukwatiwa m’banja lolemera kungakhale njira yokhayo yochotsera moyo wangongole. Monga ubale uliwonse, ukwati wachuma si malo ofotokozera ndi kupereka chiweruzo. 

Ubwino Ndi Kuipa Kwa Kukwatira Chifukwa Chandalama

Monga momwe zilili ndi chilichonse m'moyo, pali mbali yabwino komanso yoyipa yokwatirana ndi ndalama, choncho samalani. Mndandanda wa zabwino ndi zoyipazi umabwera popanda kuweruza. Ukwati ndi kudzipereka kwa moyo wonse (mwachiyembekezo), ndi amene mudzakwatirane naye ndi chifukwa chiyani ndi zosankha zaumwini. Tikuyika zonse mu zakuda ndi zoyera kuti musankhe paokha, tikuyembekeza kuti sipadzakhala mapepala achisudzulo oti musayine kapena ukwati woyipa wodandaula nawo. Ndipo kwa anthu onse omwe amafuula, "Koma uyenera kukwatira chifukwa cha chikondi!", Nazi mfundo zina zovuta kuziganizira pankhani ya kukwatira kuti ukhale wokhazikika pazachuma. 

Kuwerenga Kofanana: Chikondi Vs Ndalama: Kusankha Chikondi Kuposa Kukonda Chuma

Ubwino Wokwatirana Ndi Ndalama 

Tiyeni tione mbali zabwino kwambiri zaukwati pofuna chitetezo osati chikondi. Ngati muli okondwa ndi moyo wabwino umene mwakhala mukukhala ndikukonzekera kumanga mfundo, si bwino kudziŵa zomwe muli nazo musanavomereze chilichonse? 

1. Ndalama zambiri = Mwayi wochepa wa chisudzulo

Kodi ndalama zimagula chisangalalo? Izi ndi zomwe ziwerengero zikuwoneka kuti zikutanthawuza, osachepera. Kafukufuku waposachedwapa wasonyeza kugwirizana kwachindunji pakati pa kuchuluka kwa ndalama zomwe mumapeza ndi mwayi wosudzulana. Mwina izi ziri ndi chochita ndi madzi prenup chizindikiro chimodzi ngati munthu kukwatira chuma. Mwina kukhala ndi ndalama kungakugulireni chimwemwe. Kapena mwina ndi chifukwa chongoyamikira zomwe muli nazo komanso osafuna kugwedeza bwato laukwati. Ziribe chifukwa chake, maukwati achuma awa akuwoneka kuti akupita kutali. 

2. Masiku akulimbana atha 

Musanyalanyaze kukopa kokhala ndi moyo wofewa ndi wapamwamba. Ngakhale kuti sitikutanthauza kuti simungathe kapena simungapange chuma chanu, sizimapweteka kuti mupite patsogolo pazachuma ndi kukwatira m'banja lolemera kwambiri. Tisalowenso zina mapindu a ukwati monga inshuwaransi yazaumoyo, zopindula zachipatala zaulere, chindapusa cha koleji, ndi zina zambiri. Kuphatikiza apo, ana anu amabadwiranso m'malo opindulitsa mukakwatirana ndi ndalama, osati chikondi. 

3. Ndalama zimatsegula zitseko

Kukhala ndi mwamuna kapena mkazi wolemera kumatsegula zitseko kwa inu. Zomwe sizikanatheka kutsegulidwa popanda kuthandizidwa ndi chuma ndi chitukuko. Kupatula ndalama zoziziritsa kukhosi, mnzanuyo adzakhala ndi mabizinesi ofunikira kuti akuthandizeni kupititsa patsogolo ntchito yanu. Kupatula apo, ana anu amapita kusukulu zabwino kwambiri, kucheza ndi anthu olemera, ndikuyamba kugwira ntchito ndi mwayi wobadwa nawo. Ndalama zambiri sizili zoipa nthawi zonse. 

4. Moyo wapamwamba ndi wofunika 

Tisayerekeze kuti kukhala m'mahotela a nyenyezi zisanu sikwabwino kuposa kusunga tchuthi cha nyenyezi ziwiri. Kapena kuti kuuluka koyamba kapena kalasi yamabizinesi sikusangalatsa kuposa kukakamizidwa kulowa mgulu la ng'ombe. Kukwatirana ndi ndalama vs chikondi kumakupatsani mwayi wokhala ndi moyo wapamwamba pankhani ya zovala, magalimoto, nyumba, tchuthi, ndi zokonda. Kodi pali vuto posankha izi? 

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Zoipa Zokwatira Wolemera 

Kusaka kosavuta pa intaneti za 'momwe mungakwatire?' kapena 'kukwatiwa bwanji ndi anthu olemera?' zingakhale zotsegula maso, kunena pang'ono. Masamba ena a Wiki amakupatsirani mndandanda wazomwe mungakwatire amuna olemera. Pali mabuku olembedwa onena za momwe akazi anzeru amakwatidwira chifukwa cha ndalama kapena momwe amuna olemera ndi akazi awo angapewere kudyetsedwa mwachuma paubwenzi. Mayendedwe amatchulidwa momveka bwino.

Choncho, ngati mukufuna kudziwa kumene mamiliyoni ndi zimene muyenera kuchita kuti nab mmodzi, fufuzani kumene. 

• Wokondedwa wanu amangosangalala pamene mphatsozo zili zochulukira komanso zodula 
• Ngati abwenzi ake amangokwatirana ndi amuna akuluakulu, olemera, ichi ndi chimodzi mwa zizindikiro zosonyeza kuti mtsikana wanu akukwatiranso chifukwa chandalama. Mofananamo, ngati iye anali a serial dater ndipo wakhala ndi maubwenzi ambiri ndi akazi achikulire, olemera, zolembazo zimakhala zokongola kwambiri pakhoma
• Amakufunsani mafunso ambiri okhudzana ndi zachuma chanu mutangoyamba chibwenzi
• Amagwiritsa ntchito kugonana ndi maonekedwe kuti apeze zomwe akufuna 
• Safuna kulipira 
• Amagwirizanitsa ukwati ndi ndalama ndipo sachita manyazi kuzinena 
• Iwo amatengeka ndi kalasi ndi udindo ndipo mwachiwonekere akuyesera kukwera makwerero a chikhalidwe cha anthu 

Tsopano tiyeni tiyang'ane pa zovuta za funso lakale, "Momwe mungakwatire bwino?"

1. Kufunika kotsimikizira kuti ndinu abwino mokwanira 

Kudzidalira kocheperako kumatha kukhala kovutirapo, ndipo zikafika pakukwatiwa ndi mwamuna wolemera kapena mkazi wolemera, thanzi lanu lamalingaliro likhoza kugunda. Apa tikutanthauza kuti kusiyana kwakukulu pazachuma pakati pa inu ndi mwamuna kapena mkazi wanu kungayambitse makhalidwe odziderera ndi mkwiyo. Wina akamawongolera zingwe zanu zachikwama, zitha kukhala zofooketsa kwambiri, choncho onetsetsani kuti mukufuna kukhala ndi malire pogwirizira mbali zina za ufulu ndi chuma chanu. 

2. Kukhala motsatira malamulo a anthu 

Olemera amakhala ndi malamulo ena. Ndipo polowa m'dera la olemera, mudzayeneranso kutsatira malamulowa. Zitha kukhudza mbali zonse za moyo wanu - kuyambira kalembedwe kanu mpaka gulu la anzanu. Mudzawunikiridwa ndikuweruzidwa mwatcheru kwambiri popeza mumachokera kumitundu ina. Mukalowa m'banja lachigwirizano, awa ndi malamulo, ndipo muyenera kuwatsatira. 

Kuwerenga Kofanana: Kodi Zimathandiza Kuyankhulana Zachuma Chogwirizana Musanakwatirane?

3. Muyenera kukhala ndi khungu lakuda

Musadabwe anthu akamakuuzani kuti ndinu adyera kapena wokumba golide. Kusiyana kwakukulu pakati pa mkhalidwe wachuma wa mwamuna kapena mkazi wanu ndi inu, m’pamenenso miseche imavuta. Ngakhale mutamukondadi wokondedwa wanu (ndipo mukudzichitira nokha), chipongwe chidzapitirirabe. 

Pamapeto pake, chisankho chokwatira chuma ndi chako ndi chako. Koma samalani ndi misampha ndi nsonga zomwe zimakhudzidwa. Kupatulapo chikondi ndi ndalama, chinthu chimodzi chimene chingathandize kuti banja liziyenda bwino ndicho ulemu ndi kusirira. Ngati mukufuna kukwatira chifukwa cha ndalama osati chikondi, onetsetsani kuti mumalemekeza mwamuna kapena mkazi wanu komanso mosiyana. 

Akatswiri a maubwenzi amati kuchita zotsatirazi kuti kuonjezera mwayi wa ukwati wopambana: 

• Khalani ndi ufulu wodzilamulira momwe mungathere. Chifukwa chakuti simukuyenera kugwira ntchito kuti mupeze ndalama sizikutanthauza kuti simuyenera kugwira ntchito konse. Kukwera makwerero a ntchito yanu ndikulimbikitsa kudzidalira kwakukulu 
• Pitirizanibe kuchita zomwe mumakonda komanso zomwe mumakonda. Osatengera kwathunthu moyo wanu watsopano kuti muyiwale kuti ndinu ndani komanso komwe munachokera 
• Mofananamo, pitirizani kulankhulana ndi achibale anu ndi anzanu akale. Osawagwetsa pomwe atsopano owoneka bwino abwera 

Ubwino wokwatirana ndi ndalama	Zoipa zokwatira chifukwa chandalama
Mungakhale ndi chithunzi chabwino cha banja lopambana	Muyenera kukhala motsatira malamulo atsopano a anthu olemera kwambiri
Muli ndi mwayi wabwino wopita patsogolo pantchito yanu	Mungafunike kuvutika kwambiri kuti mutsimikizire kuti ndinu ndani pantchito yanu
Ana anu (ndi banja) ali ndi mphamvu pazachuma ndi mwayi	Padzakhala chiweruzo chochuluka pa chisankho chanu chokwatira chifukwa cha ndalama
Ubwino wa moyo wapamwamba ndi wosatsutsika	Koma palinso kuwunika kowonjezereka, komwe sikungakhale bwino kwa aliyense
Masiku anu ovutikira kupeza zofunika pamoyo atha	Zingakhale zopanda mphamvu kukhala ndi munthu wina atagwira zingwe zachikwama

Kukwatira Chifukwa Chandalama - Kodi Ndi Njira Yoyenera Kwa Inu?

Ndikuganiza kuti nkhaniyo ndi yokhuza ngati mukupanga chisankho mwanzeru, mwaphunziro musanavomere kukwatiwa ndi munthu osati kungobweretsa ukwati kuti mukhale bata. Amuna ndi akazi amene amakwatirana ndi anthu olemera komanso anzeru, okonda udindo, olimbikira ntchito, ndiponso otetezeka amasankha bwenzi logwirizana ndi mfundo zawo. Mukakwatiwa ndi munthu amene amayamikira zomwe ndalama zingagule NDI kukulimbikitsani kuti mukhale odziimira paokha, mumadziwa kuti mwapeza golide. Dzifunseni mafunso otsatirawa kuti mudziwe ngati kukwatiwa ndi ndalama ndi chisankho choyenera kwa inu:

• Kodi mnzanga amagawana chimodzimodzi makhalidwe abwino Kodi ndimachita bwanji pankhani yosunga ndalama, kuwonongera ndalama, komanso kutsatira malamulo a ntchito? 
• Kodi mnzanga amawona ndalama ngati chothandizira kapena chida chopititsira patsogolo?
• Kodi chuma chawo amachichita mopeputsa? 
• Kodi mnzanga adzandilola (ndi kundilimbikitsa) kukhalabe wodziimira ndekha? 
• Kodi ndipitiliza kugwira ntchito kapena kutsatira zomwe ndimakonda komanso maloto anga? 
• Kodi zosankha zanga ndi kagwiritsidwe ntchito ka ndalama zidzalemekezedwa? 
• Kodi ndiyenera kufunsa mnzanga kapena banja lawo momwe ndimagwiritsira ntchito nthawi yanga kapena ndalama? 

Palibe manyazi kulamulira tsogolo lanu ndi kupanga zosankha zomwe zingapangitse moyo kukhala wosavuta. Ngati mwakonzeka kutenga udindo pazosankha zanu zachuma ndipo simukuchita mantha kuti mumasulidwe ndikukwatirana ndi ndalama, kudos! Nthaŵi zikusintha, ndipo anthu amachita zinthu mwanzeru ponena za kukhala m’banja lokonda ndalama. Anthu akamadzakwatirana pambuyo pake, amakhala akuona zambiri pamoyo wawo ndipo amakhala okonzeka kupanga zosankha zofunika kwambiri zokhudza anthu okwatirana nawo.

Malingana ndi posachedwapa kuphunzira, anthu oposa 51% amanena kuti amaona kuti chitetezo chachuma ndi chofunika kwambiri kuposa kutengeka maganizo ndi chikondi. Atafunsidwa ngati angasankhe $1 miliyoni pachaka kuposa kupeza chikondi cha moyo wawo, opitilira theka la omwe adafunsidwa adasankha ndalama. Kufufuza kwina kunasonyeza kuti chimodzi mwa zifukwa za chisankhochi chikhoza kukhala "kusatsimikizika kwa tsogolo lawo" kumene oposa 70% omwe anafunsidwa adanena. Chotero, chenicheni chakuti m’nkhondo ya chikondi ndi ndalama, ndalama zimapambana chikondi m’magulu ambiri n’zosadabwitsa. 

Momwe Mungapangire Ukwati Wachuma Kuti Ugwire Ntchito

Monga tanenera kale, okwatirana ambiri amalowa m’njira imeneyi mgwirizano wamalonda popanda kumvetsa bwino tanthauzo lake. Anthu aŵiri ochokera m’mikhalidwe yosiyana pankhani zachuma alowa m’ubwenzi, zingabweretse mavuto apadera. Kuchulukirachulukira kwa kusiyana kwachuma, mavutowo amakulirakulira.

Ngati sichoncho, kusiyana kumeneku kumatha kukula ndipo, pakapita nthawi, kumayambitsa mkwiyo komanso kuwononga mgwirizano. Chifukwa chake, kudzikonzekeretsa nokha ndi zabwino, zoyipa, ndi zoyipa zimatha kukupatsani zida zofunika kuti muthe kupitilira nthawi zovuta ndikupambana (komanso kulemera). Nazi njira zina zomwe mungalimbikitsire ndikuzindikira ziwopsezo zamtsogolo zomwe mungathe kuthana nazo ndikuzichepetsa nthawi yomweyo:  

1. Kambiranani 

Chinsinsi cha ubale uliwonse wachipambano ndicho kulankhulana momasuka ndi kukhala owona mtima kwa wina ndi mnzake. Vomerezani mfundo yakuti zopinga zidzabuka, ndipo njira yokhayo yopitira patsogolo ndiyo kukhala omasuka ku zokambirana. 

2. Dziwani bwino za maudindo ndi maudindo 

Kuchokera pakupita, dziwitsani bwino kuti ndani ali ndi udindo pa zomwe mukuchita muubwenzi wanu. Ngati m’modzi ndiye amene amapezera banja, udindo wa winayo uyenera kufotokozedwa momveka bwino, mosiyana ndi winayo. Kuonetsetsa kuti onse ali patsamba limodzi kungathandize kusunga ziyembekezo zenizeni ndi kukhumudwa poyang'anira. 

3. Musanyalanyaze ndondomeko ya zachuma

Chifukwa chakuti pali chuma chochuluka sizikutanthauza kuti sichifunika kulinganiza bajeti. Gwirizanani za bajeti ya mwezi uliwonse kapena yapachaka ndipo kambiranani ndalama zonse ndi ndalama zomwe mudzagwiritse ntchito. 

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4. Ikani makadi anu onse patebulo 

Mwa ichi, tikutanthauza kukhala oona mtima za kuchuluka kwa ndalama zomwe mumadziwa pazachuma ndi bizinesi, kuchuluka kwa zomwe mukufuna kuphunzira, komanso momwe mungafune kukhala nawo. Izi ndizofunikira makamaka ngati mukukwatirana ndi chuma chambiri kapena bwenzi lomwe limachokera ku ndalama zabanja zakale. 

5. Bweretsani wina 

Nthawi zina, kukhala ndi woweruza mopanda tsankho ndiyo njira yosavuta yovomerezera zinthu. Ndi chithandizo chawo, lembani zonse zomwe mwagwirizana. Mukhozanso kusankha zochita pamene zinthu zisintha. Kukonzekera kukumana ndi vuto lililonse si chinthu choipa. 

"Zizolowezi zathu zowononga ndalama zimatipangitsa kukhala odalira kwambiri, ndipo palibe ambiri m'moyo wanga omwe angakwanitse kukwatira popanda chidwi ndi ndalama". - Ngati Jane Austen kumayambiriro kwa zaka za m'ma 19 akhoza kulemba izi m'buku lake lodziwika bwino Kudzitukumula ndi kusankhana, ndi umboni weniweni wakuti ndalama zakhala zikutsogolera m’banja – ndipo zikupitirizabe. Pamapeto pa tsiku, pali zabwino zambiri kuti mumvetsetse momwe chuma chanu chilili komanso udindo wanu wachuma musanalowe nawo mgwirizano uliwonse.

Kaya ndi mgwirizano wamalonda kapena ubale wachikondi, kutchula zomwe onse awiri amabweretsa patebulo kungawoneke ngati kopanda chifundo koma, kwenikweni, kothandiza komanso kothandiza kuti moyo ukhale wautali. Monga anthu, tidzapitiliza kukondana ndi anthu angapo. Ndipo mukakumana ndi chisankho pakati pa anthu awiri - kupatula wina amapeza zambiri kuposa wina - ndipo muyenera kudzifunsa kuti, "Kodi ndikwatire chifukwa cha chikondi kapena bata?", Palibe funso pazomwe muyenera kuchita. Nthawi zonse pitani kwa munthu amene angakuthandizeni kukhala ndi moyo wabwino. Pitilizani kukwatiwa ndi ndalama - simudzakhala woyamba kapena womaliza kutero! 

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