Njira 15 Zanzeru Zosungira Ndalama Monga Banja

Okwatirana kumene amasunga ndalama mopepuka kwambiri, nthaŵi zonse amaganiza kuti sinali nthawi yoyenera kusunga. Iwo amafuna splurge pa moyo wawo watsopano simenti wa chikondi ndipo nthawi zambiri saganizira kawiri za kusungitsa malo othawa kumapeto kwa sabata kapena kugula chotsukira mbale chatsopanocho. Koma zoona zake n’zakuti pamene muzengereza kwambiri kusunga ndalama, m’pamenenso mumakhala ndi mwayi wolephera kusunga ndalama zokwanira tsogolo lanu.

Kusungirako ndikofunikira kwa maanja achichepere omwe ali muubwenzi, okwatirana achichepere ngakhalenso okwatirana kumene, chifukwa sikochedwa kwambiri kuti muyambe kusunga ndalama zanu. Amanenedwa kuti zolinga zanu zopulumutsira zimatheka mukakhala muzaka za m'ma 20 ndi 30. Chifukwa chake ndikofunikira kuti muyambe kusunga ndalama mwachangu makamaka kuphunzira njira yoyenera yoyendetsera chuma ngati banja.

Kusunga ndalama ngati banja ndikosiyana kwambiri ndi kusunga mukakhala mbeta. Pali ntchito zapakhomo ndi zinthu zomwe mungagule zomwe simunazidziwe. Nthawi zonse pali kusinthana pakati pa kugwira ntchito yapakhomo nokha ndikusunga ndalama kapena kulemba ganyu wina kuti achite. Zosankha zooneka ngati zopanda pakezi zomwe timapanga ngati banja lachinyamata, zimakhudza kwambiri chuma chathu m'moyo.

Chifukwa chake ngati mwangokwatirana kumene kapena muli pachibwenzi ndipo mukufuna kudziwa momwe mungasungire ndalama ngati banja, mwafika pamalo oyenera ndiye. Pali malangizo ambiri a bajeti omwe okwatirana ayenera kukumbukira pamene akukonzekera ndalama zawo za mwezi uliwonse kapena kotala za nyumba. Tasintha zina mwazomwezo kuti muziziganizira mukamapanga bajeti yamwezi uliwonse!

Malangizo 15 Opulumutsa Ndalama Monga Banja

Luso losagwiritsa ntchito bwino ndalama lingathe kuwononga ukwati usanakwane, palibe kukayika. Maubwenzi ena amangotha ​​chifukwa cha ndalama ndi mavuto a ukwati . Mungaganize kuti kusamalira ndalama zanu nokha ndi vuto lalikulu, ganizirani kuphatikiza ndalama zomwe mnzanu amapeza komanso mabilu ake. Kusamalira ndalama monga banja n'kovuta chifukwa simukufuna kuoneka ngati munthu wosasamala komanso simukufuna kusamala kwambiri ndi ndalama zanu.

Koma zonsezi zikhoza kusamalidwa. Ndikukonzekera koyenera, kudzipereka komanso kudzipereka kuti mupulumutse, muyenera kuwongolera ndalama zanu nthawi yomweyo. Kuyambira ndi malingaliro osavuta a bajeti, tikukupatsani malangizo 15 osunga ndalama ngati banja:

1. Sankhani ndalama zoti muyike pambali posunga ndalama ngati banja

Ndikofunikira kwambiri kukhazikitsa zolinga zenizeni pankhani yosunga ndalama. Lembani mndandanda wa zolinga zomwe mungafune kukwaniritsa ngati banja mtsogolo. Ganizirani zinthu monga " Kodi ndiyenera kukhala ndi mwana? ", maphunziro a ana, tchuthi cha banja, kupuma pantchito, ndi zina zotero. ndipo lembani mndandandawo moyenerera pankhani ya kufunika kwake. Onetsetsani kuti mwayamba kulipira ngongole zanu mwa kusunga ndalama. Izi ziyenera kukhala patsogolo pamndandanda wanu. Poyamba zingawoneke ngati zachilendo, koma ngati muchita bwino, mudzisungira ndalama zambiri komanso nkhawa mtsogolo.

Nthawi ndi nthawi ganizirani zolinga zanu. Onani ngati cholinga chomwe mwakhazikitsa kwa inu ndi mnzanu ndichotheka. Sinthani ngati pakufunika kutero. Umu ndi momwe dongosolo lokonzekera bwino limayambira ndipo ndi momwe mumayambira kuyang'anira chuma ngati banja.

2. Momwe mungasungire ndalama ngati banja? Yang'anani pa kuyanjana kwachuma

Onse awiri ayenera kukhala pa tsamba limodzi pankhani yakukonzekera bwino zachuma ngati banja. Zofuna ndi zofuna za onse awiri ziyenera kuganiziridwa kuti zigwirizane ndi zachuma. Kukonzekera mosasamala kungasokoneze mgwirizano wa ubale wanu m'tsogolomu.

Kusunga ndalama monga okwatirana kumaphatikizapo kulemekeza zofuna za wina ndi mzake ndi kupeza malo pa bajeti. Kumvetsetsa makonda a wina ndi mzake pogula zinthu, ndalama zomwe munthu amagula komanso momwe angasankhire moyo wawo zonse ndi mbali ya malangizo a bajeti kwa maanja. Zofuna za mnzako zitha kuwoneka ngati zikukufunani koma musamakankhire patali.

3. Kusiyanitsa pakati pa zosowa ndi zofuna

Muyenera kumangodzifunsa nokha ngati mukufunadi chinachake kapena mukuchifunadi. Anthu ena amasilira zovala, zida zamagetsi kapena zinthu zina ndipo pamapeto pake amagula zinthu zambiri zosafunikira zomwe mwina sangafune. Nthawi zambiri ena amakopeka ndi malonda omwe amawoneka okongola koma osafunikira ndalama.

Kusamalira ndalama kwa maanja ndikosavuta mukatha kusankha zomwe mukufuna. Ngakhale simungakhale pa tsamba limodzi nthawi zonse, ndi bwino kufika pakatikati ndikuyika pambali ndalamazo kuti mupewe mikangano yamtsogolo yofanana.

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4. Malangizo a bajeti kwa maanja - Chitani zinthu zosangalatsa m'nyumba

Pewani kudya kunja pafupipafupi. Zikuoneka ngati mtengo wochepa wolipira panthawiyo, koma pamapeto pake, zingakhale ndalama zambiri zomwe mungafunikire. Okwatirana ambiri, makamaka achinyamata okwatirana, amapita kukadya m'malesitilanti apamwamba kuti akondwerere zochitika zonse zazing'ono zaubwenzi kapena kukhala ndi masiku achikondi. Kukhala m'nyumba ndi kuphika ndi njira yabwinoko. Mutha kuphika limodzi ndikusangalala ndi wina ndi mnzake. Idyani chakudya chamadzulo chachikondi kunyumba mukuonera kanema womwe mungasankhe.

Chakudya chamadzulo choyatsa makandulo sichiyenera kukhala pamaso pa operekera chikho asanu ndi mmodzi omwe akutumikira mbale zanu. Nthawi zina, chikondi chimatha kukhala m'mikhalidwe yosavuta ndi ndalama zochepa kapena osawononga konse. Ngati tipanga luso, titha kukhala anzeru kwambiri ndi ndalama zathu ndipo osadandaula za kuzigwiritsa ntchito mosayenera.

5. Pitani kwanuko, tsitsani chizindikiro

Kugula zinthu zopangidwa kwanuko m'malo mwa zinthu zotsika mtengo kungapangitse kuti musunge ndalama zambiri. Kumbukirani kuti poyesa kuoneka wolemera, mungakhale mukuwononga chuma chanu. Zogulitsa zam'deralo ndizotsika mtengo komanso zotsika mtengo.

Ndibwino kuti musagule lamba wa Gucci kapena chikwama cha Dior kamodzi. Palibe amene akudziwa za zovuta zenizeni zomwe mungakhale mukukumana nazo ngati banja lachinyamata. Chifukwa chiyani muwononge bajeti yanu kwa munthu yemwe simukumudziwa? Kusamalira chuma monga banja kumaphatikizapo kulekerera pang'ono koma kukhala othokoza nthawi zonse pazinthu zomwe muli nazo.

6. Kuchepetsa

Ngati nonse awiri muli pachibwenzi , ndiye kuti palibe chifukwa chokhala m'nyumba yayikulu yopanda malo kapena zipinda zosafunikira. Nyumba yayikulu imakonzedwa modula kwambiri. Lendi nyumba yokhala ndi mitengo yotsika. Nyumba zazing'ono nazonso ndi lingaliro labwino, chifukwa omanga nyumba yanu amakonza nyumba yanu malinga ndi zosowa zanu. Mutha kusamalira nyumba yaying'ono mosavuta, ndipo imawoneka yofunda komanso yomasuka.

Ngati mukuyembekezera kudzakhala ndi ana m'tsogolomu, kusamukira ku nyumba yaikulu ndiye kuti zingakhale zomveka. Komabe, ngati mutaya ndalama zanu zonse tsopano, mungafunike kupita ku nyumba yaying'ono yokhala ndi banja lalikulu. Nthawi zina kusunga ndalama monga banja sikudzakhala kwa inu nonse komanso kwa obwera.

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7. Kutsata mabilu anu - Kusamalira ndalama kwa maanja

Tengani nthawi mwezi uliwonse kuti muwone bwino mabilu anu. Kutsata mabilu ndi ndalama zomwe mumawononga nthawi zonse kumakuthandizani kuyang'anira zomwe mumawononga. Kumbukirani kuti mumangogwiritsa ntchito ndalama pazinthu zomwe mukufuna. Kuphatikiza pa izi, mutha kupititsa patsogolo ndalama zomwe mumasunga ndikusintha pang'ono moyo wanu monga kusankha mapulani abanja amafoni, omwe amapereka zabwinoko. Mukawona komanso kumvetsetsa momwe mukuwonongera ndalama, m'pamenenso mudzasamalira bwino ndalamazo m'tsogolomu.

8. Kodi mungasunge bwanji ndalama ngati banja? Samalani zogulitsa

Mukhoza kusunga ndalama zambiri panthawi ya malonda a chikondwerero kapena nyengo. Masitolo ali ndi zotsatsa zokongola zomwe zikugwirizana ndi bajeti yanu pogula mphatso za Khirisimasi ndi zina zotero, zomwe ndi ndalama zosapeŵeka. Ndi bwino kugula zinthu zambiri panthawiyi. Nthawi yomweyo, musapitirire malire. Lembani mndandanda wa zinthu zomwe muyenera kugula ndipo onetsetsani kuti mwatsatira mndandandawo.

Mndandanda wamtsogolo umakupatsani mwayi wokonzekeratu zinthu zomwe mungafune mtsogolo. Mwachitsanzo, malonda a Thanksgiving ndi nthawi yabwino yogulira mphatso za Thanksgiving komanso pang'ono pazokongoletsa za Khrisimasi. Konzekerani mwanzeru ndipo ganizirani iyi imodzi mwamalingaliro abwino kwambiri a bajeti kwa maanja.

9. Chotsani zolembetsa zosafunikira

Ndili ndi mnzanga yemwe ali ndi khadi yochitira masewera olimbitsa thupi yomwe sanagwiritse ntchito kwa zaka zambiri. Malipiro ake olembetsa amachotsedwa ku akaunti yake mwezi uliwonse. Iye akulipira chinachake chimene iye sakuchilingalira nkomwe kuyesa. Musakhale ngati mnzanga. Khalani bwino kuposa pamenepo ndikumvetsetsa momwe mungasungire ndalama ngati banja. Yesani kupewa zolembetsa zosafunikira monga malo ochitira masewera olimbitsa thupi, mabokosi okongola, magazini, magazini, ndi zina zotero.

10. Kodi mungasunge bwanji ndalama ngati banja? Lowani limodzi

Izi zitha kukhala zomwe mumakonda zikafika pamalangizo a bajeti kwa maanja. Ngati ndinu okwatirana achichepere ndipo mukukhala padera, ndiye kuti kusamukira pamodzi si lingaliro loipa. Mutha kusunga ndalama zambiri pa renti, zothandiza komanso zogulira. Mutha kuphatikiza ndalama zanu ndikugawana katunduyo.

Komanso, zimakupatsirani mwayi wopeza upangiri wazachuma komanso kukambirana zachuma. Koma pokhapokha ngati mwakonzeka kudzipereka koteroko ndipo muli pachibwenzi chenicheni . Musamupemphe kuti akhale nanu chifukwa mukufuna kusunga ndalama zamagetsi koma simukumukonda.

11. Pewani kugwiritsa ntchito makhadi a ngongole

Kukhala ndi kirediti kadi kumangokupangitsani kuti muwononge ndalama zambiri. Kumbukirani zomwe zidachitikira mtsikana mufilimu ya Confessions of a Shopaholic? Lingaliro lokhala ndi ngongole yaifupi lingakuyeseni kuwononga ndalama zambiri kuposa ndalama zomwe mumapeza. Pali mwayi wambiri wokhala ndi ngongole pogwiritsa ntchito makhadi. Osayiwala chiwongola dzanja chokwera chomwe amalipira. Gwiritsani ntchito ndalama kapena makadi akubanki m'malo mosamalira bwino ndalama kwa maanja.

12. Malangizo a bajeti kwa maanja - Pitani kutchuthi chotsika mtengo

Pitani kutchuthi chotsika mtengo. Izi sizikutanthauza kuti muyenera kunyalanyaza zomwe mukufuna. Gwiritsani ntchito bwino ma coupon oyendera ndi zopereka ndipo mutha kusankha malo abwino otchuthi . Yang'anani ma phukusi abwino kwambiri omwe akugwirizana ndi bajeti yanu. Pali malo omwe mumapeza kuchotsera kwapadera kwa maanja. Sungani ma motel otsika mtengo m'malo mwa mahotela okwera mtengo, chifukwa simudzathera nthawi yambiri m'mahotelawo.

Kukhala kunyumba kulinso njira yabwino mukamadya zakudya zakumaloko ndikuwona chikhalidwe chakumaloko. Kusamalira ndalama monga banja sikovuta monga momwe kumawonekera. Ndi njira zochepa chabe zomwe muyenera kuchita tsiku lililonse.

13 Kukhazikitsa

Kusunga ndalama zanu mu ndalama za nthawi yayitali kumalimbitsa mgwirizano. Simukuyesedwa kuti muwononge ndalama zomwe mwasunga. Nthawi yomweyo, kupanga ndalama zotetezeka kumakuthandizani kupeza chiwongola dzanja chokwanira pa izo. Muthanso kuganizira zida zina zachuma monga kuyika ndalama mu ndalama zokhazikika, masheya a kampani ndi zina zotero. Kwa ine, zimenezo zikumveka ngati zolinga za ubale wa ndalama kale.

Kugwiritsa ntchito ndalama polemba ntchito mlangizi wazachuma sikuwononga konse. Lingaliroli litha kukuthandizani kusunga ndalama ngati banja ndikupangitsani kukhala odalirika mtsogolo.

14. Kuika malire

Kukhazikitsa bajeti ya sabata kapena mwezi ndi imodzi mwa njira zopulumutsira zothandiza kwambiri. Mutha kukhala wopanga bajeti yanu. Mabajeti amakuthandizani kuti muchepetse ndalama zomwe mumawononga, ndipo nthawi yomweyo, zimakuthandizani kuti muziyang'ana kwambiri zomwe mumayika patsogolo. Mutha kusanthula mozama ndalama zomwe mumapeza ndikugwiritsa ntchito ndikukhazikitsa bajeti yanu moyenera. Bajeti nthawi zonse imakuthandizani kuti mumvetsetse kusiyana kwa ndalama zomwe mumagwiritsa ntchito kupita ku zomwe mumawononga mwezi kapena chaka.

15. Malingaliro a bajeti kwa maanja - Kutsegula akaunti yolumikizana

Kutsegula akaunti yolumikizana kungakhale kothandiza kwa inu ndi mnzanu kulipira mabilu ndi zofunikira. Zimapangitsa kukhala kosavuta kugawa ndalama. Komanso, nthawi ndi nthawi atha kupereka ndalama zokhazikika kuti onse agawane zolemetsa. Njira zina monga kugula mipando kuchokera ku malonda a pabwalo kapena misika yanthati, kugulitsa zinthu zosafunikira ndi ndalama, kungathandizenso kuti musunge ndalama. Mipando ndi chinthu chomwe chimakonda kubwerekedwa ndi achikulire, mochulukira.

Kumbukirani kuti kusunga ndalama sikutanthauza kuchepetsa chilichonse. Zimangotanthauza kugwiritsa ntchito ndalama mwanzeru komanso kusamalira bwino ndalama zanu. Kusungirako kudzakufikitsani pafupi ndi maloto anu a nthawi yaitali. Monga momwe Warren Buffet amanenera, "Osasunga zomwe zatsala mutawononga. Gwiritsani ntchito zomwe zatsala mutasunga".

Ngati funso lanu linali, "momwe mungasungire ndalama ngati banja", tikuyembekeza kuti tayankha bwino. Yambani kukonzekera, ngakhale zikuwoneka zovuta pachiyambi, njira yopulumutsira ndi kukonzekera imakhala yosavuta pamene mukupita patsogolo. Zadzidzidzi zilizonse kapena zochitika zapadera nthawi zonse zimasamalidwa ndi ndalama zowonjezera zomwe mwasunga!

Ibibazo

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