11 Signs Mwamuna Wanu Amakugwiritsani Ntchito Mwazachuma

Nkhanza zandalama ndizochepa poyerekeza ndi nkhanza zakuthupi ndi zamalingaliro koma zimatha kuwononga ubale. Mwamuna amene amakugwiritsani ntchito ndalama ndi wankhanza ngati amene amamenya mkazi wake. Nkhanza zandalama m’banja makamaka zimachitika pamene wina wa muukwati agwiritsira ntchito ndalama kufunafuna ulamuliro pa unansiwo. Chinachake chopanda vuto ngati kutsegula akaunti m'dzina lanu kapena kukulimbikitsani kuti mupereke ma accounting azachuma ndizizindikiro za nkhanza zachuma. M'zochitika zapakhomo, nkhanza zachuma zimakhalapo nthawi zonse ndi mitundu ina ya nkhanza zapakhomo.

Mwamuna woledzera amamenya mkazi wake usiku uliwonse pambuyo pomwa mowa kwambiri ndiyeno nkumasambira makadi a mkazi wake kuti apeze mankhwala oledzeretsa oti azimuchitira nkhanza kungaoneke ngati kumenya mkazi wake chifukwa cha mavuto a zachuma. Kukuwunikirani kuti mutsimikizire kuti simunakhazikike mokwanira kuti muthane ndi nkhani zandalama ndikuzunza m'maganizo komanso m'maganizo. Monga momwe timakhulupilira kuti ndi chikondi muubwenzi, zilibe kanthu ngati simukudziwa komwe ndalama zanu zimasochera, sizikhala choncho.

Kaya ndi nkhani ya mnzanu amene sapereka ndalama m’banja kapena mwamuna kapena mkazi wosasamalira ndalama amene amawononga ndalama zake ndiyeno n’kuyang’ana kwa inu kuti muwathandize pa zosowa zawo komanso kuti banja lanu liziyenda bwino, ndi njira yachipongwe imene ingawononge maganizo anu komanso kukhala otetezeka m’kupita kwa nthawi. Ngati muli kumapeto kwa nzeru zanu poyesa kumvetsetsa kusalingana kwachuma m'banja lanu, tabwera kuti tikufotokozereni zomveka kuti akukudyerani mwayi pazachuma komanso momwe angathanirane ndi vutoli.

Nkhanza Zachuma Muukwati

Mukakwatirana, zimaonedwa kuti n’zachibadwa kugwiritsa ntchito ndalama za mnzanuyo. Ndikutanthauza…mu matenda ndi thanzi, umphawi ndi chuma ndi zonse izo, sichoncho? Tsopano, zonse nzabwino pamene nonse mungathe kuwerengera ndalama zomwe wina akugwiritsa ntchito. Koma ngati mupeza kuti ndalama za akaunti yanu zikuchepa pang'onopang'ono mwezi ndi mwezi, makamaka ngati simukudziwa komwe ndalama zikupita, ndi mbendera yofiira.

Ngati mwamuna wanu ndi amene amayang’anira ma accounting ndi kasamalidwe ka chuma m’banja ndipo amazemba nkhani yoti amalipiritsa mochedwa kapena kubwereka ndalama kwa makolo ake kapena makolo anu osadziwa, zikusonyeza kuti pali chinachake chimene chikuchitika ndi chuma chimene sakufuna kuti mudziwe. Ndipo chimodzi mwa zizindikiro zoyamba kuti mwamuna kapena mkazi wanu ndi woipa ndi ndalama.

Kuwononga ndalama kwa mkazi wina kungakhale lingaliro loyamba lomwe limakuonekerani m'mutu mwanu koma nkhanza zachuma zingayambirenso chifukwa cha zizolowezi zoipa monga kutchova juga pa intaneti, kudziwonongera ndalama zambiri, kapena choipa kwambiri, kusakhulupirika pazachuma . Ngati mwamuna wanu sasamalira banja kapena nthawi zonse amakukhumudwitsani, ndikofunikira kuthana ndi ubale wake wosasangalatsa ndi ndalama msanga momwe mungathere.

Ngati muyang'ana mbali ina ndikunyalanyaza zizindikiro zoyambirira za kusadzisamalira pazachuma, zitha kukhala chifukwa chosatha cha mikangano m'banja lanu ndipo zitha kuopseza kukhazikika kwake. Ziwerengero zikusonyeza kuti nkhani zachuma ndi mikangano ndizomwe zimayambitsa 22% ya mabanja onse ku US. Kafukufuku wina akuwonetsa kuti popeza pafupifupi magawo awiri mwa atatu a mabanja masiku ano amayamba ndi ngongole, ndalama zimatha kukhala chifukwa chachikulu cha mikangano ndi mikangano, makamaka chifukwa iyi ikhoza kukhala nkhani yovuta ndipo maanja ambiri alibe luso lolankhulana kuti athetse nkhaniyi mosamala.

Kuwerenga Kofanana: Anati "Kuvutika ndi Ndalama Kukupha Ukwati Wanga" Tinamuuza Zoti Achite

Kupatula apo, mikangano yazachuma imawonetsa kusayenda bwino paubwenzi ndipo nkhanza zazachuma nthawi zambiri zimatsagana ndi kuzunzidwa m'malingaliro komanso / kapena kuthupi. Sizovuta kuwona chifukwa chake. Ndipotu, simungalimbikitse kukhulupirirana, ulemu, ndi kuona mtima muubwenzi pamene mbali ina ya inu mumangokhalira kuganiza kuti, "Chimene mwamuna wanga amachikonda ndi ndalama." Kusiyapo pyenepi, cikhulupiro canu ciri na cifuno canu mwa iye na banja yanu pinakwanisa kuluza khala mamuna wanu atoma kukuphani pya manyerezero na mwakuthupi toera kukuberani kobiri.

Komabe, si nkhanza zonse zachuma zomwe zimachitika mwadala. Kuwononga ndalama pa njinga zosinthika kapena magalimoto akale pamene mukuyenera kusunga ndalama zokwanira kuti mupeze firiji yatsopano ndi chizindikiro cha nkhanza zachuma. Izi zimangosonyeza kuti mnzanuyo amasamala za zomwe akufuna kuposa zosowa zanu. Palinso mwayi woti muli ndi mwamuna wodzikonda komanso wokonda kulamulira yemwe amagwiritsa ntchito ndalama ngati njira yoyendetsera ubale momwe akufunira. Popanda kudziyimira pawokha pazachuma, zimakhala zovuta kuti muchoke kapena kumusiya.

11 Signs Mwamuna Wanu Amakugwiritsani Ntchito Mwazachuma

Cholinga chathu sikuti tiyike zosayenera m'banja mwanu, koma tikuwulula zovuta kwambiri kuti muthe kuzindikira zomwe zili. Sichinthu choipa kuyika ubale wanu pansi pa sikani nthawi ndi nthawi ndikuchipeta ndi chisa cha mano abwino. Ngati zochitika zosiyanasiyana zochitira nkhanza zachuma zomwe tidatulutsa mpaka pano zafika pafupi kwambiri ndi kwanu kapena muli ndi matumbo oganiza kuti ndalama zomwe zikusoweka ndizovuta zake kuposa zanu, ndiye kuti muyenera kudziwa zizindikiro zomwe akugwiritsa ntchito ndalama.

Ndizo ndendende zomwe ife tiri pano kuti tikuthandizeni inu nazo. Tapanga mndandanda wazizindikiro zomwe zitha kukhala ngati njira yokuthandizani kuwunika momwe chuma chanu chilili. Zizindikirozi zikuthandizani kumvetsetsa momwe mungayambitsirenso kuwongolera ngati mnzanuyo sakupereka ndalama. Izi ndizofunikira makamaka ngati ndinu woyamba kupezera ndalama m'nyumba.

Ngakhale mutakhala muukwati wosangalala, kudziwa zizindikiro za kusadzisamalira pazachuma kungakuthandizeni kukhalabe pa njira yoyenera ndikukonzekera bwino. Nthawi zonse ndibwino kudziwa ngati ndalama zomwe zili muukwati wanu zatha chifukwa tikhulupirireni tikakuuzani kuti nkhani zachuma zitha kuwononga ubale wanu . Tiyeni tiwone bwino zizindikiro zomwe akukugwiritsani ntchito pazachuma:

1. Maakaunti ophatikizana koma ayi

Maakaunti ophatikizana amatsegulidwa ndi okwatirana polipira ndalama zapakhomo komanso kusunga ndalama zogulira nthawi yayitali monga kugula galimoto, nyumba, ndi zina zambiri. Koma ngati mwamuna wanu amazigwiritsa ntchito kwambiri kuti akwaniritse zomwe akufuna komanso nthawi zambiri pazogwirizana, ichi ndi chimodzi mwazizindikiro zakulephera kuchitapo kanthu pazachuma. Zingayambe kuwoneka ngati akaunti yolumikizanayi ili ngati dzenje lopanda malire pomwe mumangoyika ndalama kuti musadzawonenso.

Ngati mukuyika ndalama zambiri kuposa iye koma ndondomeko yazachuma sichikutsatiridwa, chinachake chalakwika. Kungakhale chizindikiro chakuti mwamuna kapena mkazi wanu ndi woipa ndi ndalama ndipo muyenera kuchitapo kanthu panopa. Mutha kuyamba ndi mafunso osavuta okhudza manambala osawonjezera. Ngati akuzengereza kapena kusokoneza kukambirana, mwamuna wanu ayenera kuti akukugwiritsani ntchito ndalama.

Kuwerenga Kofanana: Momwe Tinagawira Maudindo Athu Azachuma Pambuyo pa Ukwati

2. Palibe mwayi wopeza ndalama zanu

Ndi chizindikiro chachikulu muukwati ngati mulibe mwayi wolowa mu akaunti yanu. ATM yanu, akaunti yanu, ndi pini yanu ya UPI zonse zimayendetsedwa ndi mwamuna wanu pomwe inu mulibe mwayi wolowa mu akaunti yake. Ngati simukudziwa momwe ndalama zanu zikuyendera komanso komwe zikupita, simukulakwitsa kuganiza kuti, "Mwamuna wanga amangoganizira za ndalama." Zochita izi ndi zizindikiro za munthu wolamulira ndipo zimasonyeza nkhanza zachuma muukwati.

Zikatero, ubalewo umakhala masewera amphamvu. Munthu amene amalamulira ndalama ali ndi mphamvu. Ngati ndinu amene mumabweretsa zosakaniza, muyenera kukhala amene mumayang'anira kuphika. Zabwino kwambiri mutha kugawana zowongolera ndikupanga gulu logwirizana. Kaŵirikaŵiri, ngati wakhala akulamulira kwa nthaŵi ndithu, sangausiye mosavuta. Muyenera kukhala olimba. Simungalole wina aliyense kulamulira chuma chanu kapena moyo wanu.

3. Zinthu zambiri zamtengo wapatali m'nyumba

Kodi mumaganiza kuti mutha kugula furiji yazitseko ziwiri yomwe ili kukhitchini yanu? Kodi mukuganiza kuti njinga yamphesa imakhalabe yabwino chifukwa mwamuna wanu amatsuka tsiku lililonse? Wotchi ya Apple yomwe adayitanitsa tsiku lina imawononga ndalama zambiri. Koma mulibe ndalama zotere? Ngati sichoncho, kodi ndalamazo zinachokera kuti?

Yang'anani mwatcheru, ndipo zinthu zonse zodula pamalo anu zidzakuwa kuti muli ndi mwamuna kapena mkazi wosasamalira ndalama yemwe wakhala akukhala mopitirira malire ake. Izi ndizowona makamaka ngati kugula uku sikunali zosankha limodzi kapena simukudziwa momwe akulipiridwa chifukwa mwamuna wanu sakufuna kuti "mudandaule nazo". Osachepetsa kuopsa kwa zonsezi pokhulupirira kuti awa ndi malingaliro oda nkhawa kapena malingaliro anu oganiza mopambanitsa - ngakhale angafune kuti mutero - chifukwa zogula izi zitha kuwonjezera ngongole yayikulu.

Kuwerenga Kofanana: Momwe Mungakhalire Odziyimira Pawokha Pazachuma Monga Mkazi Wokwatiwa

4. Mkwiyo chifukwa munawononga ndalama

Kodi mwamuna wanu amasonyeza mkwiyo wooneka ngati muwononga ndalama kugula diresi yatsopano kapena nsapato zatsopano? Mukudziwa kuti sizingakhale zovuta zandalama chifukwa mumapeza ndalama zokwanira kuyendetsa banja. Chotero, pamene kuli kwakuti simungaweruze kumene mkwiyowo ukuchokera, makamaka pamene iye splurges pa zinthu zimene angakhale moyo popanda, ndi nthawi kupeza mayankho.

Kufotokozera kosavuta ndi kwakuti ndalama zomwe mumagwiritsa ntchito zimatanthauza kuti ndalama zochepa zomwe amatsala nazo kuti azigwiritsa ntchito. Mwina ndi munthu wodzikonda amene sadziwa bwino kuposa kuika zosowa zake patsogolo nthawi zonse. Kapena mkwiyo umenewu ungachokere chifukwa chofuna kulamulira ubale wanu. Mnzanu wosapereka ndalama angakhale chizindikiro cha mphamvu zoopsa muubwenzi wanu , komwe nthawi zonse amayesetsa kumuthandiza. Komanso, kuyang'anira ndalama zanu pa intaneti komanso mkwiyo zomwe zimabwera chifukwa cha digito ndi zizindikiro zomveka bwino zoti muyambe kulamulira moyo wanu. Chizindikiro chachikulu, chachikulu, chachikulu.

5. Mumadziona kuti ndinu wolakwa ndipo mwina mumachita mantha pang'ono

Ngakhale ndalama zochepa zomwe mumawononga zimakupangitsani kumva kuti ndinu wolakwa komanso mwina mumaopa pang'ono chifukwa mukudziwa kuti mwamuna wanu adzadziwa ndipo zidzakubweretserani mkangano, mikangano, kapena ndewu yayikulu. Izi ndi zizindikiro zosonyeza kuti ndinu wozunzidwa ndi kupusitsidwa muubwenzi . Muyenera kusamala ndi ndalama zomwe mumawononga koma muyenera kukhala ndi ufulu wolankhula kapena mwayi wokambirana ndi mwamuna wanu muli ndi udindo wofanana.

Kusokoneza maganizo pankhani zandalama ndi chimodzi mwa zizindikiro zosaoneka bwino zomwe akukudyerani mwayi pazachuma zomwe sizingadziwike ngati sizikuwonedwa. Kuti muthe kuwona zovuta zake bwino, pezani nthawi yoti mugwiritse ntchito ndalama zanu, pendani zofunikira zake, ndikufanizira zomwe zinali zofunika komanso zomwe zidangowonongeka.

6. Sindikufuna kulankhula nanu za zachuma

Kupatula kulanda ndalama zapakhomo, mwamuna wanu sakhala ndi makambitsirano omasuka okhudza ndalama. Ngati mwawona kutsika kwakukulu mu akaunti yanu ndikumufunsa za izi, mayankho ake ndi osadalirika komanso opepuka. Sikuti amangokupatsani mayankho omveka bwino komanso amakutsimikizirani kuti mulibe mwayi wopeza zikalata zakubanki ndi kirediti kadi.

Ngati amazemba mwadala mafunso anu onse okhudza zachuma, ndiye kuti samangoganizira za ndalama komanso saganizira mokwanira kuti adziwitse mkazi wake za momwe akugwiritsira ntchito ndalamazo komanso kumene akugwiritsira ntchito. Ngati izi zikumveka bwino, muyenera kukambirana ndi mnzanuyo. Zochita zake zimasonyeza kuti alibe udindo pazachuma, ndipo pali mwayi waukulu kuti amakhumudwa kwambiri akamakambirana za ndalama chifukwa ali ndi chinachake chobisala.

Kuwerenga Kofanana: Zizindikiro 8 Zosonyeza Kuti Chibwenzi Chanu Chili Paubwenzi Chifukwa Chokha cha Ndalama

7. Kubwezera splurging

Kodi muli ndi foni yatsopano chifukwa foni yanu yakale inali yazaka makumi angapo ndi chophimba chosweka? Chabwino ndiye, ndipeza Dell Alienware chifukwa. Kubwezera kotereku sikovuta kuphonya ndipo ngati khalidwe lamtunduwu lili m'banja mwanu, ndi nthawi yoti mupeze chithandizo. Kuopsa kwachuma sikungabwere momveka bwino kuposa izi.

Zosankha zazikulu zachuma ziyenera kutengedwa monga gulu ndipo ponena za chuma cha banja, palibe malo ogwiritsira ntchito ndalama zosayenera. Ndikwabwino kuchotseratu kawopsedwe kameneka posachedwa kuti mukhale ndi zina zowononga tsogolo lanu. Amati chikondi chimagonjetsa zonse, koma nthawi zina ndalama zimagonjetsa chikondi.

8. Simungadutse kuchuluka kwa ndalama zomwe mwapatsidwa

Ochiritsa amalankhula za nthawi zingati okondedwa amapatsidwa "chilolezo" cha ndalama za mlungu ndi mlungu ndi winayo. Ngati mwamuna wanu akuikirani malire a ndalama mlungu uliwonse, tulukani. Ndipo tulukani mwachangu. Chilolezo chiyenera kuperekedwa ndi kholo kwa mwana. Ubwenzi wa m’banja pamene onse awiri alibe ufulu wofanana pa ndalama ndi chizindikiro cha mavuto.

Ngati kuwonjezera pa ndalama zomwe mumawononga pa sabata, mulinso ndi vuto ndi ndalama zomwe mumawononga pamodzi kuposa ndalama zomwe mumapeza, ndiye kuti muyenera kutenga nkhaniyi m'manja mwanu. Lankhulani ndi mlangizi wa mabanja ngati mwamuna wanu sakufuna kukumverani. Mnzanu wosapereka ndalama koma akugwiritsabe ntchito mphamvu zake pa nkhani zandalama ndi chizindikiro chodziwikiratu cha ubale woipa.

9. Mumapeza ngongole zobisika

Ndiye munakwanitsa kutengera ndalama za mwamuna wanu ndipo zidapezeka kuti ngongole zake ndi zazikulu kuposa madzi oundana omwe adamira pa Titanic. Mwinanso anabwereka ndalama kwa anzake koma sanathe kuwabweza. Ngongole zikuchulukirachulukira ndipo monga mkazi wake, nanunso muli ndi mavuto azachuma tsopano. Choipa kwambiri n’chakuti sanatchulepo ngongole yaikulu imeneyi m’dzina lake.

Mukumva kunyengedwa mokwanira panobe? Ziyenera kukhala ngati simukudziwa kuti mwamuna amene munakwatirana nayeyu ndi ndani. Makampani a kirediti kadi amachita bwino pangongole komanso kuchita zinthu mopupuluma. Ngongole ili ngati chiswe. Sizikuwoneka kuti sizinali zambiri pachiyambi koma ndiye mphamvu yophatikizana ikuyamba ndipo musanadziwe, chiswe chadya ndalama zambiri zanu. Itanitsani kuwononga tizirombo nthawi isanathe.

Kuwerenga Kofanana: Zinthu 9 Zimene Mkazi Ayenera Kuzikumbukira Akayamba Kugonana

10. Kulephera kumamatira ku bajeti

Mwina ndinu munthu amene amasungabe ndalama zake zonse m'thumba mwake. Muli ndi luso lotha kugwiritsa ntchito bwino ndalama ndipo kusunga bajeti ndi chinthu chachibadwa kwa inu. Koma mwamuna wanu amakana kapena sakufuna kusunga bajeti. Alibe lingaliro logwiritsa ntchito ndalama komanso alibe chidziwitso chogwiritsa ntchito ndalama moyenera. Ngati zimenezo sizikusonyeza kuti mwamuna kapena mkazi wanu ndi woipa ndi ndalama, sitikudziwa chomwe chidzachitike.

Kulephera kwake kumamatira ku bajeti nthawi zonse kumakupangitsani kuti musamawononge ndalama zanu. Izi zili ngati kulangidwa chifukwa chochita bwino. Ngakhale ndalamazo ndi zazing'ono zomwe mumanyalanyaza mwezi uliwonse, mukayang'ana chithunzi chokulirapo kunena zaka zisanu zamtsogolo, mudzazindikira kuzama kwa nkhaniyi. Yakwana nthawi yoti mukhazikitse malire omveka bwino azachuma muubwenzi wanu.

11. Sizikuvomereza kuti ugwire ntchito

Ngati mwamuna wanu sakuvomereza kuti mudzipezere nokha ndalama, mkazi mwa inu ayenera kuwona vuto. Muyenera kudzifunsa kuti, chofunika kwambiri ndi chiyani, ubale wanu kapena kuti ndinu ndani? Nthawi zambiri ochitira nkhanza zachuma amakhala ndi mphamvu chifukwa ndi amene amapeza ndalama zokhazokha muubwenzi. Khalidwe lapoizoni limeneli ndi loipa ndipo ngati mumakonda mwamuna wanu yesani kupeza thandizo la akatswiri lisanawawase kwambiri.

Kuwerenga Kofanana: Zizindikiro 18 Zapamwamba za Ukwati Wosasangalala Zomwe Muyenera Kudziwa

Zoyenera Kuchita Ngati Watopa Ndindalama Kuthandiza Mwamuna Wanu

Tsopano popeza mwaona zizindikiro zoti akukugwiritsani ntchito molakwika pazachuma, ndi nthawi yoti muganizire zomwe zichitike. Kodi mutengapo mbali pazachuma pogona pansi kapena kutenga njira zodzitetezera kuti muteteze tsogolo lanu komanso ngati n'kotheka kuti banja lanu lisagwe chifukwa cha mikangano ya ndalama? Palibe amene angatsutse kuti kupirira mwamuna kapena mkazi wosasamalira ndalama kungakule kwambiri.

“Chimene mwamuna wanga amachikonda ndi ndalama” ndithudi si kudziŵa kosangalatsa. Kupatula apo, mudalowa muubwenziwu mukuyembekeza kuti mupezana wina ndi mnzake m'malo mwake mudapatsidwa nthawi yochepa ya ndodo ndi mnzanu yemwe amakuvutitsani, amayesa kukulamulirani pazachuma, kapena kuyika tsogolo lanu pachiwopsezo ndi zizolowezi zake zowononga ndalama. Komabe, chifukwa chakuti wasiya khalidweli mpaka pano sizikutanthauza kuti simuyenera kupirira nazo. Ngati mwatopa kuthandiza mwamuna wanu pazachuma, nazi njira zingapo zothanirana ndi vutoli:

• Kambiranani: Kuyankhulana kwabwino ndiye chinsinsi chothetsera zovuta zambiri zaubwenzi komanso kusamvana pazachuma ndi chimodzimodzi. Pamene mwamuna wanu sakusamalira banja kapena amadalira inu pa zosowa zake zachuma, kambiranani naye. Muuzeni zakukhosi kwanu ndipo muuzeni molimba mtima kuti zinthu zikuyenera kusintha kuti banja lanu lithe
• Yang'anirani chuma: Kuonetsetsa kuti ngongole zanu sizikuchulukirachulukira komanso mwamuna wanu sangathenso kukuikani mumdima pazachuma chanu, tengani ndondomeko ya zachuma ndi kayendetsedwe ka banja lanu. Kuyambira kulipira bilu mpaka kugawa ndalama zosunga, ganizirani zandalama zonse, ngakhale zazikulu kapena zazing'ono.
• Tetezani chuma chanu: Ngati simungathe kusiya maganizo oti “mwamuna wanga amangofuna ndalama basi” kapena mukuchita zinthu ndi mwamuna kapena mkazi wanu wosasamalira bwino ndalama, m’pofunika kuti mudziteteze. Njira yosavuta yochitira zimenezi ndikulekanitsa ndalama zanu ndi zake. Tsekani maakaunti anu olowa, ndipo bwererani kuzinthu zomwe mwagwirizana. Onetsetsani kuti inu nokha muli ndi mwayi wopeza ndikuwongolera ndalama zanu. Ngati kuli kofunikira, mutha kugwira ntchito ndi mlangizi wazachuma kuti muwonetsetse kuti muli ndi maziko anu onse
• Funsani uphungu: Kuwongolera ndalama nthawi zambiri kumakhala chizindikiro cha nkhani yozama kwambiri ya ubale. Kupatula apo, kukangana kosalekeza ndi kukangana pazandalama kungawononge kwambiri ubale wanu. Muzochitika zonsezi, kupempha thandizo kwa katswiri wa zamaganizo kungakuthandizeni kwambiri kuthetsa kusiyana kwanu komanso kusalola kuti ndalama zisokoneze banja lanu. Ngati mukuganiza zopeza thandizo, alangizi aluso komanso ovomerezeka Gulu la Bonobology zili pano chifukwa cha inu

Nkhanza zachuma ndizofala kwambiri komanso zenizeni. Pezani thandizo la akatswiri kwa mwamuna wanu ngati mukufuna kukonza vutoli. Ngati sichoncho, ndi bwino kupeza njira yopulumukira nokha. Pezani thandizo kwa bwenzi lanu ngati mukufuna kusiya kukuchitirani nkhanza. Khalani otsimikiza ndikukhala olimba.

Ndinaganiza Zosiya Ubale Wachipongwe Ndilibe Ndalama

Nkhanza Zamaganizo - Zizindikiro 9 Ndi Malangizo 5 Othana Ndi Mavuto

Thandizo Landalama Kwa Amayi Osudzulidwa

Chopereka chanu sichikutanthauza chopereka chachifundo . Chidzalola Bonobology kupitiliza kukubweretserani chidziwitso chatsopano komanso chaposachedwa poyesetsa kuthandiza aliyense padziko lonse 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