Malangizo 12 Kwa Maanja Oti Agawikane Ndalama

Mukadzakwatirana, mumalonjezana kuti mudzagawana chisangalalo ndi chisoni cha wina ndi mnzake, koma nthawi zambiri maanja samakonda kukambirana za momwe adzagawana chuma chawo akadzakwatirana. Ndi chinthu chotsiriza chimene chiri mu malingaliro awo. Kodi okwatirana ayenera kugawana bwanji ndalama? Pali zosankha zambiri zomwe ziyenera kupangidwa pankhani ya zachuma. Muyenera kusankha ngati mukufuna kugawa mabilu kutengera ndalama zomwe mumapeza, mukufuna kuchita chimodzimodzi mosasamala kanthu za ndalama kapena ngongole, ndi zina.

Ndikofunikira kulekanitsa zachuma m'banja chifukwa izi zimafuna kulinganiza zambiri popanda izi, mudzakhala banja lomwe limakangana pazandalama. Pali njira zomwe maanja okwatirana ayenera kugawanitsa ndalama kuti ayendetse bwino nkhani zandalama. 

Malinga ndi kafukufuku wopangidwa ndi Kansas State University , ndalama ndiye chinthu chachikulu chomwe chimasonyeza ngati banja lidzasudzulana.

N'chifukwa Chiyani Kusamala Ndalama Ndi Kofunika M'banja?

Tamva za kugwirizana kwa kugonana ndi malingaliro pankhani ya maubwenzi koma pali mtundu wina wa kugwirizana komwe kuli kofunikira muukwati ndipo ndiko kugwirizana kwachuma . Ndalama zimanenedwa kuti ndi chifukwa chachikulu cha mavuto a m'banja. Nkhani za ndalama zimatha kuwononga ukwati . Ngati chisankho chimodzi chingakhudze mnzanu pazachuma, ndikofunikira kuti chisankho chotere chichitike pamodzi. Ndikofunikira kuti onse awiri apange zisankho zokhudzana ndi kasamalidwe ka ndalama zawo za tsiku ndi tsiku chifukwa kusagwirizana kwachuma kumanenedwa kuti kumayambitsa nkhawa zambiri muukwati pakapita nthawi.

Lingaliro lolakwika lazachuma la mnzanu likhoza kubweretsa ngongole za chaka chonse ndikusokoneza tsogolo lanu. Choncho, zisankho zandalama za anthu okwatirana ziyenera kuchitidwa pamodzi ndipo kugawaniza ndalama potengera ndalama zomwe apeza ndi chinthu chabwino ngati onse awiri akugwira ntchito. N’chifukwa chake n’kofunika kudziwa mmene anthu okwatirana amagawirana ndalama. Pofika pa malangizo a kasamalidwe ka ndalama kwa okwatirana, kasamalidwe ka ndalama kayenera kukhala kothandiza m’kupita kwa nthaŵi. Pajatu muyenera kuganiziranso za tsogolo la ana anu. Ndiponso, zingakhudzenso mkhalidwe wamaganizo wa banjalo. Kuti mumvetse bwino momwe maanja angagawanire ndalama, apa pali malangizo 12 okhudza kasamalidwe ka ndalama kwa maanja.

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Malangizo 12 Kwa Maanja Oti Agawikane Ndalama

Kodi okwatirana amasamalira bwanji ndalama? Ukwati wanu ukhoza kukhala wopereka 50/50 kapena 60/40, koma ndi chiŵerengero chotani pankhani yogawanitsa ndalama? Kusamalira ndalama si njira yophweka. Zimakhudza nthawi yokonzekera komanso kuwunika momwe chuma chikuyendera. Sikuti amangolipira mabilu. Ndizokhudza kusamalira chuma chanu pamodzi ndi kugawana katundu ndi mnzanu.

Funso loti Chanu, Changa ndi Chathu ndi chiyani liyenera kuyankhidwa momveka bwino pankhani ya zachuma.

Malangizo 12 a kasamalidwe ka ndalama kwa anthu okwatirana ndi awa:

1. Lembani zolinga zanu

Ndikofunika kuti nonse mulembe zolinga zanu zazifupi komanso zazitali mozama. Dzifunseni nokha, mumadziona kuti pazaka zisanu? Kodi mukukonzekera ana angati? Ndi zaka zingati zomwe mukufuna kulipira ngongole zanu zonse? Kodi mukufuna kuyenda kangati? Kodi mugula nyumba yatsopano mtsogolomu? Ambiri mwa mafunsowa amakhudza zisankho zazikulu zachuma ndipo kutengera zolinga izi, nonse ngati banja, mutha kukonza zosunga ndalama limodzi kuti mupange zisankho zanzeru zachuma ndikuyika zolinga zanu zonse.

2. Ganizirani zotsegula akaunti yolumikizana

Kuphatikiza pa maakaunti anu apawokha, kupanga akaunti yolumikizana kungakhale njira ina yotheka. Ngakhale kutsegula akaunti yolumikizana kumatha kusokoneza chinsinsi chanu, kumapangitsanso kukhulupirirana pakati pa inu ndi mnzanu. Maakaunti akubanki ophatikizana angagwiritsidwe ntchito kulipira ndalama zapakhomo zomwe zingabwere. Nonse nonse mungagwirizane pa ndalama zokhazikika zoti muzipereka mwezi uliwonse muakaunti yolowa muakaunti yanu ndipo mutha kubweza nthawi imodzi kubweza ndalamazo zikadzabwera. Akauntiyi ingathandizenso kugawa mabilu molingana. Onetsetsani kuti musagwiritse ntchito ndalamazo kuti muwononge mopanda nzeru.

Ubwino ndi Kuipa kwa Akaunti Yogwirizana: Mabanja ambiri amadana kukhala ndi akaunti yogwirizana chifukwa nthawi zambiri pamakhala mikangano yokhudza yemwe adagwiritsa ntchito ndalama kuchokera mu akauntiyo. Ndipo onse awiri amaonana akuwononga ndalama ndipo zikuwoneka kuti pali udindo wa ndalama zanu kwa mwamuna kapena mkazi wanu. Pamene okwatirana akugawana ndalama, amatha kupewa mavuto omwe amabwera kuchokera mu akaunti yogwirizana poonetsetsa kuti akauntiyo ikugwiritsidwa ntchito kulipira mabilu, lendi, zakudya ndi zina zofunika panyumba ndipo onse awiri ali ndi maakaunti awoawo omwe angagwiritse ntchito momwe akufunira.

3. Konzani bajeti ya mwezi uliwonse

Konzani bajeti ya mwezi ndi mwezi ya ndalama zonse zimene zidzachitike pamwezi. Kupatula ndalama zapakhomo, zingaphatikizeponso masiku ochezera, chakudya, chakudya, ndi zina zotero. Sikuti bajeti idzangokuthandizani kuchepetsa ndalama zomwe mumagwiritsa ntchito, komanso idzakupatsani inu ndi mnzanuyo lingaliro loyenera la komwe ndalamazo zikugwiritsidwira ntchito ndi kuchuluka kwake. Bajeti idzakuthandizani kukhazikitsa malire omwe palibe aliyense wa inu angagwiritse ntchito ndipo izi zingathandize okwatirana kugawa ndalama popanda kukakamiza munthu mmodzi.  

Onetsetsani kuti mukuwonjezera zovuta mu bajeti yanu monga kuyendera madokotala, kukonza, ndi zina.

4. Khalani ndi thumba lachangu

Nthawi zonse pamakhala mwayi woti zitha kuchitika mwadzidzidzi. Pofuna kuwonetsetsa kuti ngozizi sizikupangitsani kuti mugwe m'ngongole, ndikofunikira kukhala ndi thumba lachidziwitso kuti likuthandizireni kwakanthawi mpaka zinthu zibwerere mwakale. Zadzidzidzi zitha kubwera nthawi iliyonse. Zochitika zosatsimikizika monga ngozi, kutayika kwa ntchito, masoka achilengedwe etc. zitha kubwera, ndipo panthawiyo, thumba ladzidzidzi ngati ili lidzakhalapo kuti likuthandizeni nonse kwakanthawi.

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5. Ikani patsogolo ndalama zanu

Monga okwatirana amaika patsogolo ndalama zomwe ziyenera kulipidwa poyamba komanso zomaliza. Kutengera zofunika izi mumawerengera ndalama zomwe mwasunga. Kuika zofunika patsogolo kumathandiza kulipira zofunika zofunika poyamba ndikulingalira ngati zosafunika kwenikweni zingapewedwe ndi kusungidwa.

Kuyika ndalama patsogolo kumathandizira kuzindikira kuchuluka kwa ndalama zosungira.

6. Yesetsani kukhala opanda ngongole

Ngati nonse muli ndi ngongole yomwe ikuyembekezera, m'pofunika kuganizira kwambiri za kulipira ngongoleyo mwamsanga. Monga okwatirana, nonse muli ndi udindo waukulu. Motero, kuonetsetsa kuti ngongoleyo isakulemetseni moyo wanu wonse ndi chinthu chofunika kwambiri. Ngati muli ndi ngongole m'manja mwanu, yesetsani kuti musawonjezere ngongole ku mbiri yanu. Konzekerani mosamala ndi mwamuna kapena mkazi wanu, ndipo musamangokhalira kubweza ngongole. Monga nonse muli ndi ngongole, zimakhala zovuta kuti mutulukemo.

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7. Tsimikizirani momveka bwino amene amapereka malipiro

Kugawa ndalama kumatanthauza kutsimikizira kuti ndani amalipira chiyani. Sikophweka kuti munthu mmodzi azisamalira ndalama zonse. Pali zambiri zomwe ziyenera kuchitidwa mwezi uliwonse. Kuyambira kulipira ngongole za mwezi uliwonse monga foni ndi magetsi mpaka kulipira ngongole zanyumba, pali zambiri zoti musamalire. Nonse inu ndi mwamuna kapena mkazi wanu mukhoza kupeza ndalama zimene muyenera kusamalira. Apa ndi pamene zolinga zanu zimakhala zolinga zogawana. Kugawana ndalama kumapangitsanso kukhulupirirana ndipo kumachepetsa chiopsezo cha kutaya ndalama.

8. Kupanga ndalama zazing'ono

Inu ndi mnzanu mungakhale osamala pankhani yoika ndalama zanu zomwe mwapeza movutikira. Ndalama zonse zomwe mumayika sizili zoopsa. Pali ndalama zambiri zomwe mumayika zomwe zili zotetezeka ndipo zimakhala ndi chiopsezo chochepa kapena chopanda chiopsezo . M'malo mosiya ndalama zomwe mumasunga, ganizirani kuziyika mu ndalama zomwe mumayika nthawi yochepa monga ndalama zokhazikika zomwe zimasungidwa nthawi zonse, ndalama zogwirizanitsa, mapulani osungira ndalama mwadongosolo, ndi zina zotero. Mutha kufufuza zambiri za izo pa intaneti ndikupanga chisankho chodziwa bwino. Ndalama zotere zimapatsa chidwi chachikulu ndi nthawi yotseka mpaka masiku 45.

9. Yambani kusunga

Mabanja masiku ano amakhulupirira kukhala ndi moyo nthawi m'malo moganiza za nthawi yayitali. Ziribe kanthu kuti muli nthawi yanji, kusunga ndalama ndikofunikira kwa okwatirana. Pokhapokha mutasunga ngati banja, mumatha kukwaniritsa zolinga zanu zachuma. Zosunga zimathandizira munthawi yadzidzidzi kapena zowononga mwadzidzidzi ndikukuthandizani kuthana nazo popanda kukhudza momwe chuma chanu chikuyendera. Kusungirako kumathandizanso pokonzekera zolinga za nthawi yaitali.

10. Onetsetsani bajeti yanu

Kungokonzekera bajeti ndi kugawa ndalama zapakhomo sikuthetsa nkhawa za ndalama zomwe zimagwiritsidwa ntchito. Ndikofunikira kutsatira bajeti yanu ndikuwonetsetsa kuti ndalama zonse zikuyenda momwe munakonzera. Pali zida zosiyanasiyana monga Tiller zomwe zimakuthandizani kupanga spreadsheet yomwe imakuthandizani kuyang'anira zomwe mumawononga pamwezi. Ngati simukufuna kudalira zida zapaintaneti, tsatirani ndalama zonse nokha pozigawa m'magulu ndikuwonetsetsa kuti ndalama zomwe zagwiritsidwa ntchito sizikupitilira bajeti yomwe mwakonza.

11. Pewani kugwiritsa ntchito makhadi a ngongole

Makhadi a ngongole amadziwika kuti amakulimbikitsani kugwiritsa ntchito ndalama zambiri kuposa momwe mukufunira. Anthu omwe ali ndi makhadi a ngongole nthawi zambiri amagwiritsa ntchito ndalama zambiri kuposa zomwe amapeza nthawi zonse zomwe zimapangitsa kuti azilipira ngongole zawo. Nonse awiri mungakhale ndi ngongole mukamagwiritsa ntchito makhadi a ngongole. Pewani chilakolako chogwiritsa ntchito makhadi a ngongole. M'malo mwake, lipirani pogwiritsa ntchito ndalama kapena makhadi a debit.

12. Ikani ndalama mu ndondomeko yopuma pantchito

Pokhala okwatirana kumene kapena banja lachinyamata, mungazengereze kuyika ndalama mu dongosolo lopuma pantchito. Komabe, nonse muyenera kuika pantchito ngati chinthu chofunika kwambiri. Mukangoyamba kupanga ndalama zopuma pantchito, mudzayandikira kwambiri maloto anu mukapuma pantchito. Musanakonzekere ndondomeko yopuma pantchito, ndikofunika kuti inu ndi mnzanuyo mukambirane zaka zomwe mnzanuyo akufuna kuti mupume pantchito, ndi phindu lanji lomwe mukufuna kuti mupume pantchito, ndi zina zotero.

Kusamalira ndalama si ntchito yophweka kwa okwatirana. Zimaphatikizapo kukonzekera kwambiri komanso kugwirizana pazachuma. Ndikofunikira kufikira mfundo imodzi pankhani yosankha ndalama. Ndikofunikira kudziwa njira zosiyanasiyana zomwe mungakonzekerere ndalama zanu. Lowani patsamba lawebusayiti lokonzekera ndalama monga Bloom, JagoInvestor, Mint, ndi zina zotero kuti mudziwe zambiri zokhudzana ndi kukonzekera ndalama. Muthanso kulemba ntchito mlangizi wazachuma kuti akuthandizeni kupanga zisankho ndikukwaniritsa mfundo imodzi pankhani yazachuma cha okwatirana.

Chopereka chanu sichikutanthauza chopereka chachifundo . Chidzalola Bonobology kupitiliza kukubweretserani chidziwitso chatsopano komanso chaposachedwa poyesetsa kuthandiza aliyense padziko lonse lapansi kuphunzira momwe angachitire chilichonse.

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