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 wa bungwe la University of Kansas State, ndalama ndi zimene zimalosera ngati anthu okwatirana adzasudzulana.

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

Tidamvapo zakugonana komanso kuyanjana m'malingaliro pankhani yaubwenzi koma pali mawonekedwe ena omwe ndi ofunikira m'banja ndipo ndiwofanana. kuyanjana kwachuma. Akuti ndalama n’zimene zimachititsa kuti m’banja mukhale mavuto. Nkhani zandalama zingawononge ngakhale banja. Ngati lingaliro lanu limodzi lingakhale ndi vuto la zachuma kwa wokondedwa wanu, ndikofunikira kuti chisankho chotere chitengedwe pamodzi. Ndikofunikira kuti onse awiri atenge zisankho zokhudzana ndi kayendetsedwe ka ndalama za tsiku ndi tsiku chifukwa kusowa kogwirizana pazachuma akuti kumabweretsa mavuto ambiri m'banja 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.

Kuwerenga kofananira: Mavuto a Ukwati ndi Ndalama: Anali Wodekha Koma Chinachake Chinkasokonekera

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 yolumikizana: Mabanja ambiri safuna kukhala ndi akaunti yolumikizana chifukwa nthawi zambiri pamakhala mikangano yoti ndani adawononga ndalama zingati kuchokera ku akauntiyo. Ndipo onse awiri amawonana wina ndi mnzake akuwononga ndipo zikuwoneka kuti pali kuyankha pazopeza zanu kwa mnzanu. Pamene okwatirana akugawaniza ndalama atha kupewa mosavuta nkhani zomwe zimabwera kuchokera muakaunti yolumikizana powonetsetsa kuti akauntiyo ikugwiritsidwa ntchito kulipirira mabilu, lendi, zogulira ndi zinthu zina zapakhomo ndipo onse awiri ali ndi maakaunti awo omwe angagwiritse ntchito mwakufuna kwawo.  

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.

Kuwerenga kofananira: Njira 12 Zosankhira Ndalama Muukwati Ndi Kulemera Pamodzi

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.

Kuwerenga kofananira: Momwe tidagawira maudindo athu azachuma titatha ukwati

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

Nonse inu ndi mnzanu mungakhale osamala pankhani yoika ndalama zomwe munazipeza movutikira. Ndalama zonse sizowopsa. Pali ndalama zambiri zomwe zili zotetezeka komanso zokhala ndi chiopsezo chocheperako kapena chopanda. M'malo mosiya ndalama zanu zopanda ntchito, ganizirani kuziyika m'mabizinesi akanthawi kochepa monga ma depositi okhazikika, ndalama zolumikizana, mapulani oyendetsera ndalama, ndi zina zambiri. mutha kufufuza zambiri pa intaneti ndikusankha mwanzeru. Zogulitsa zotere zimabweretsa chiwongola dzanja chochuluka ndi loko yotsika 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 kuti muwononge ndalama zambiri kuposa zomwe mukufunikira. Anthu omwe ali ndi makhadi a ngongole nthawi zambiri amawononga ndalama zambiri kuposa zomwe amapeza zomwe zimawapangitsa kuti azilipira ngongole zawo. Nonse mutha kukhala ndi ngongole pogwiritsa ntchito kirediti kadi. Pewani kugwiritsa ntchito makhadi a ngongole. M'malo mwake, perekani ndalama pogwiritsa ntchito makadi a ndalama kapena 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 chinthu chophweka kwa okwatirana. Zimaphatikizapo kukonzekera kwakukulu komanso kugwirizanitsa ndalama. Ndikofunikira kuti tigwirizane posankha zochita pankhani zachuma. Ndikofunika kudzidziwitsa nokha za njira zosiyanasiyana zomwe mungakonzekere ndalama zanu. Lowani pamasamba okonzekera zachuma monga Bloom, JagoInvestor, Mint, ndi zina zambiri kuti mudziwe zambiri zokhudzana ndi kukonza zachuma. Mukhozanso kupanga ganyu mlangizi wa zachuma kuti akuthandizeni kupanga zisankho ndikufika pa mfundo imodzi pa nkhani ya chuma cha maanja.

Zopereka zanu sizikupanga zachifundo Mphatso. Zilola kuti Bonobology ipitilize kukubweretserani zidziwitso zatsopano komanso zaposachedwa pakufuna kwathu kuthandiza aliyense padziko lapansi kuphunzira momwe angachitire chilichonse.

Onani Ndondomeko Yathu Yolembera

Kumanani ndi Bungwe Lathu Lowunika

Gawani Ndemanga

Ndemanga zanu ndi zotani?

×

zothandiza Nenani Cholakwika Zina

kugonjera