Momwe Mungasungire Ndalama Mwachangu - Zinsinsi 30 Zosunga

Munkhaniyi, tikambirana zanzeru zina zosungira ndalama. Mmenemo ndigawana maupangiri ndi zinsinsi zamomwe mungasungire ndalama mwachangu nyumba kapena galimoto. Zambiri ndizothandiza pamoyo, koma choyamba, tiyeni tidziwe bwino lingaliro lalikulu.

Malinga ndi akatswiri, kuti athe kudziunjikira kuchuluka, ndiyofunika kusunga ndalama, lembani mndandanda wazogula zomwe zikubwera ndikuchita zina zingapo. M'malo mwake, njirayi imakufikitsani kufupi ndi umphawi, ndipo ndizosatheka kukwaniritsa cholinga chomwe mukufuna popanda njira yatsopano yopezera ndalama.

Njira yoyenera ndi pamene ndalama zimaposa ndalama. Nthawi yomweyo, kugula zinthu mopupuluma, kapena zizolowezi zofunafuna, kapena kusowa kosunga ndalama sizingaletse kudzikundikira kwa ndalama. Palibe zodabwitsa, chifukwa ndalama ndizokwanira kukwaniritsa zosowa ndikupeza ndalama zowonjezera.

Kukonzekera bajeti ndi zida zosungira zimathandizira m'moyo. Koma nthawi zambiri, maluso oterewa amatsitsa ndikuwongolera pakona lakufa. Zotsatira zake, mavuto azachuma akukulira.

Malangizo 10 othandiza osungira ndalama

Ndikupereka maupangiri 10 omwe mungapangire ndalama mwachangu, koma ndikukuchenjezani kuti popanda kufunafuna zowonjezera zowonjezera, sizigwira ntchito.

1. Patulani ndalama zokwanira mwezi uliwonse. Iyenera kukubweretsani pafupi ndi cholinga chanu osasokoneza moyo wanu.
2. Ikani pulogalamu pa kompyuta yanu kapena foni yomwe ingakuthandizeni kujambula ndalama ndi ndalama. Powunika mayendedwe azachuma, mudzatha kugawa moyenera ndalama. Ngati simukugwirizana ndi ukadaulo wapakompyuta, lembani zolemba zanu. Zotsatira sizisintha.
3. Ganizirani momwe mungasungire ndalama kuti muchepetse kuwononga ndalama. Ngati nthawi zambiri mumagula zinthu zopanda pake, koma mumabweretsa chisangalalo, pewani kuwononga zinthuzo, koma osazisiya zonse. Dzipinduleni nokha kuti mukwaniritse cholinga chanu.
4. Osakhazikitsa zolinga zomwe simungakwanitse. Ngati mulibe luso losunga ndalama ndikusankha kugula nyumba, kuyesa kwanu kulephera. Choyamba, yang'anani kukwaniritsa zolinga zing'onozing'ono, kenako ndikusintha zikuluzikulu.
5. Ndalama zochotseredwa ziyenera kugwira ntchito. Zosankha - banki yosungitsa.
6. Osakongoza ndalama. Ngati munthu atatembenukira kwa inu kuti akuthandizeni, osati ku bungwe la ngongole, amakayikira zoti angathe kubweza ngongoleyo. Ena amakongola kwa anthu ena kuti asamalipire ndalama zambiri.
7. Lipirani ngongole kumapeto komaliza. Zotsatira zake, ndalamazo zidzakhalabe m'manja mwanu momwe zingathere ndipo zidzabweretsa phindu.
8. Konzani ndalama zanu. Agawireni nthawi kuti asadziphatikize kapena kukupangitsani kukumana ndi zovuta.
9. Pewani kugwiritsa ntchito ma kirediti kadi, makamaka ngati mukulephera kudziletsa. Ena, atapereka khadi la ngongole, nthawi yomweyo amakhetsa. Zotsatira zake, kuwonjezera pa ndalama zomwe mwawononga, muyeneranso kulipira chiwongola dzanja. Izi sizingathandize kupeza ndalama.
10. Yang'anani mwakhama magwero a ndalama. Izi ndizofunikira. Mukawonetsetsa kuti ndalama zikuyenda, malangizowa atha kunyalanyazidwa.

Nawa maupangiri osavuta komanso othandiza osunga ndalama. Khazikitsani cholinga ndikupitilira. Koma m'moyo muli zochitika zambiri zomwe sizimatengera ife. Zochitika zotere zimawerengedwa kuti ndizopambana, osati mawonekedwe.

Momwe mungasungire ndalama zachinyamata

Anthu ena amaganiza kuti ndalama ndi zinyalala. Komabe, gawo la ndalama m'moyo ndilofunika, ndichowonadi. Amakhulupirira kuti magulu azokha paokha ndi omwe amapatsidwa ndalama zokwanira. Sindikugwirizana ndi izi, popeza achinyamata amapemphanso.

Achinyamata amasangalala kuposa achikulire pazochepa. Aliyense wa ife anali wachinyamata ndipo tinkalakalaka tidzagula kanthu kakang'ono. Kwa zaka zambiri, zofuna za achinyamata zasintha, koma izi sizisintha zomwe zili zofunika. Chifukwa chake, ndikupereka maupangiri angapo othandizira mwana wanu kusunga ndalama.

1. Sindikulimbikitsa wachinyamata kuti awononge ndalama popanda zifukwa zofunikira. Poyesera kupeza chinthu chabwino, sungani ndalama, ngakhale zili zochepa.
2. Konzani dongosolo lanu la ndalama. Tengani chidutswa cha pepala ndikugwiritsa ntchito pensulo kuti mulembe jakisoni wokonzedwa ndi kutuluka kwa ndalama.
3. Chepetsani kugula maswiti, zonunkhira, komanso kuwononga ndalama pazinthu zoyipa. M'malo mopita kukalabu yaku makompyuta kapena malo owonetsera makanema, pitani kokayenda paki.
4. Ndikukulangizani kuti musunge ndalamazo pamalo pomwe zimakhala zovuta kuzipeza. Banki ya nkhumba ndi njira yabwino. Pangani banki ya nkhumba nokha. Izi zikuthandizani kuti muzichita zomwe mumakonda, kuwonetsa maluso anu ndikusunga ndalama.
5. Nthawi zambiri, ndalama zomwe wachinyamata amalandira zimangokhala m'matumba. Chifukwa chake, kuti mukwaniritse cholinga mwachangu, yesetsani kuwonjezera ndalama. Ndikukulangizani kuti mupeze ntchito yoperekera zakudya mu cafe. Malo oterewa ndiosangalala kulemba ana popanda chidziwitso kuntchito.
6. Makampani ambiri amalemba ntchito otumiza katundu - njira ina yachinyamata. Ndi nthawi yochepa yogwiritsidwa ntchito, ntchito yotere imabweretsa ndalama zambiri.
7. Dziyese ngati wofalitsa nyuzipepala kapena mkonzi wa nyuzipepala. Kuti muchite izi, muyenera kudziwa chilankhulo chanu, kusanthula zambiri komanso kuyankhulana ndi anthu.

Malangizo a Kanema

Gwirizanani, palibe chovuta komanso chauzimu pakukwaniritsa mfundo zomwe zatchulidwazi. Chiwembuchi chimagwira ntchito. Nthawi yokwaniritsira cholinga chimadalira chikhumbo, ndalama, ndalama komanso ndalama zomwe mukufuna kutolera.

Momwe mungasungire ndalama munthu wamkulu

Sikuti munthu aliyense amasangalala ndi ndalama zolipirira. Ndi munthu yekhayo amene ali ndi stash amene angakwanitse kugula zochuluka kapena kutchuthi kunja. Izi zidzafuna kuthekera kotolera ndalama.

Mukawerenga zinthu zomwe mumapeza, mudzatha kudziwa luso lanu. Zotsatira zake, simuyenera kuthawa kuchokera kubanki kupita ku ina kufunafuna ngongole yopindulitsa ya ogula.

• Ikani patsogolo moyenera... Mutha nthawi yomweyo kufuna kugula malaya amoto, kusintha galimoto ndikupita kunyanja. Kuyesera kusunga ndalama pachilichonse, mumalemba kuti musakhale ndi ndalama. Ichi ndichifukwa chake ndikofunikira kutanthauzira cholinga chachikulu ndikusunthira, ndipo chitakwaniritsidwa, sinthani maloto ena.
• Unikani mwayi molondola... Ngati mumalandira ma ruble 25 00 pamwezi, sizingakhale bwino kupulumutsa ndalama kugula nyumba ku Miami. Poyamba, sinthani ziyeneretso zanu, pezani ntchito yatsopano, ndipo pokhapokha mutasunga ndalama zogulira nyumba.
• Sankhani kuchuluka komwe mungasunge... Osadzikana nokha zosangalatsa zazing'ono ndi zazing'ono. Kupanda kutero, masulani ndikuwononga ndalama zomwe mwapeza. Akatswiri amalangiza kuti musasunge ndalama zopitilira khumi pa zomwe mumapeza mwezi uliwonse. Njirayi imagwira ntchito kwa anthu wamba. Ngati mukupeza ndalama zopitilira munthu wamba m'derali, onjezerani 50%. Chachikulu ndikuti njira ya moyo sivutikira.
• Sungani ndalama zanu momwe simungatenge mwamsanga... Zosankha - ndalama kubanki yokhala ndi chiwongola dzanja chambiri komanso kuthekera kokonzanso. Nthawi zambiri, ngati ndalama zachotsedwa msanga, kasitomala amataya chiwongola dzanja chake. Ndikuganiza kuti ndi anthu ochepa okha omwe angavomereze kutaya phindu, zomwe zinali m'manja mwawo. Osasunga ndalama zanu pansi pa matiresi kapena pa khadi yosungitsa ndalama. Kulephera kuthana ndi mayeserowo ndikutuluka, kuwononga zovuta.
• Dzilimbikitseni nokha nthawi zonse.... Popeza mwapeza gawo lina la ndalama zomwe mudakonzekera, dzipangeni nokha mphatso: mugule wotchi kapena mupite kumalo odyera. Mutha kudzisangalatsa munjira zina. Tsiku losasankhidwa, kukumana ndi abwenzi, kuwonera TV. Chinthu chachikulu ndikuti musokonezedwe ndi bizinesi ndikupumula. Popeza mutapeza gawo lotsatira, mudzisangalatsenso ndi kanthu kakang'ono. Mukatha kusonkhanitsa ndalama zonsezo, patulani ma ruble angapo. Zotsatira zake zidzakhala maziko ophatikizira ena.

Musaganize kuti ndizosatheka kuthana ndi ntchitoyi. Zoonadi, zosiyana ndizoona. Khalani ndi cholinga ndipo mwadongosolo pitani. Kumbukirani, chinsinsi cha kupambana ndikumvetsetsa komwe ndalama zikupita. Musanachepetse ndalama, ganizirani ngati kusiya chinthu china kungavulaze moyo wanu. Zinyalala zimasokonekera pazotsatira, koma simuyenera kusiya zonse.

Momwe mungasungire ndalama zanyumba - maupangiri 8

Tsoka lapatsa osati mnyamata aliyense malo okhala kapena cholowa cha agogo olemera. Kwa mabanja achichepere, kugula nyumba ndichofunika kwambiri pamoyo wawo. Musaganize kuti ndizosatheka kuti banja lachinyamata ligule nyumba.

Mtengo wa chipinda chimodzi ku Russia ndi ma ruble mamiliyoni angapo. Ngakhale mutayika pambali masauzande makumi awiri pamwezi, muyenera kudikirira nthawi yosiririka pafupifupi zaka khumi ndi zisanu. Izi zimaperekedwa kuti nyumba sizikwera mtengo. Pali ngongole yanyumba, koma izi sizotheka.

Tiyerekeze kuti banja likukula. Zotsatira zake, chipinda cha chipinda chimodzi sichingakhale chokwanira, komanso kusamalira mwana sikungalole kuti apulumutsidwe zambiri. Musaiwale zamavuto azachuma komanso kukwera kwamitengo yosusuka. Zotsatira zake, njira yachikale yodziunjikira ndalama siyothandiza.

Sindikulimbikitsa kuti nditaye. Ngati mukufuna kugula nyumba, pangani ndondomeko, kuwerengera ndalama ndi ndalama, ganizirani mtengo wa nyumba ndikuchitapo kanthu.

1. Sankhani mtengo wa nyumba yanu ndikuganiza za nthawi yogula yomwe mukufuna. Intaneti, zotsatsa mumsewu ndi zofalitsa zimasankhidwa posankha nyumba.
2. Pendani ndalama ndi ndalama pogwiritsa ntchito kompyuta kapena pensulo ndi pepala. Mu kotala yonse, lembani ndalama komanso ndalama zomwe mwawononga. Chepetsani nthawi yomweyo ndalama zosafunikira pazambiri, koma osapereka moyo. Sungani ndalama zotsalazo.
3. Kutengera ndi zomwe mwalandira, onani nthawi yomwe mudzayenera kusunga ndalama. Ganizirani zakukwera kwamitengo ya katundu, mavuto ndi kukwera kwamitengo.
4. Luso la agogowo silothandiza. Pofuna kukwaniritsa cholinga chanu, gwiritsani ntchito zida zamakono.
5. Msika wogulitsa. Gulu ili likuyimiridwa ndi zida zachuma zokolola zambiri. Zimathandizira kuwonjezera ndalama kwa chaka ndi gawo limodzi mwa magawo atatu. Njirayo ndi yoopsa.
6. Inshuwaransi ya Endowment ndi chida chomwe chimapereka kutha kwa mgwirizano ndi ma inshuwaransi pamapulogalamu osiyanasiyana. Kumbukirani, gululi limapulumutsa pamavuto ndi kufufuma, koma silidziwitsa kuchuluka kwa ndalama.
7. Ndalama. Investment mu ndalama zothandizana, ndalama zothandizana, mapulogalamu azachuma. Zokolola zimafika 100% pachaka. Gulu ndilowopsa, sindikulangiza kugwiritsa ntchito zida ngati izi popanda maluso.
8. Kusungitsa ndalama kubanki ndikosiyana ndi mgwirizano wa ngongole. Chida chophweka kwambiri komanso chodziwika bwino chachuma. Sankhani bungwe loyenera la banki lodalirika kwambiri. Sungani ndalama zina mwezi uliwonse ndikugwiritsa ntchito zida zoyenera kuti muwonjezere. Mutasankha njira yoyenera, mugule nyumba m'zaka zingapo.

Malangizo apakanema

Momwe mungasungire ndalama pagalimoto

Mayendedwe amunthu siwopambana, koma ndichofunikira. Mtengo wa galimoto yabwino uli mazana mazana. Ndizosadabwitsa kuti si aliyense amene angakwanitse kugula galimoto yotere.

Ngati chikhumbo chilipo, ndizotheka kukwaniritsa cholinga. Mothandizidwa ndi banja komanso luso, pitani patsogolo. Pasanapite nthawi, galimoto yabwino idzawonekera m'galimoto.

• Sankhani momwe mungapangire, mtundu wagalimoto ndi nthawi yomwe kugula kudzachitike. Izi zikuthandizani kudziwa kuchuluka komwe kusonkhanitsidwe.
• Sankhani kuchuluka komwe mungasunge mwezi uliwonse. Pangani kuwerengera kosavuta kwa masamu pogawa mtengo wamagalimoto ndi kuchuluka kwa miyezi.
• Unikani luso lazachuma moyenera. Malinga ndi akatswiri azachuma, ndalama zomwe zimatha kupulumutsidwa mopanda chisoni mwezi uliwonse ndi 10-15% ya ndalama.
• Tsegulani akaunti yakubanki. Lumikizanani ndi oyang'anira kampani yomwe mumagwira ntchito ndi pempho loti musamutse gawo linalake la ndalama ku akauntiyi mwezi uliwonse. Izi zithandizira kudzikundikira kwa ndalama.
• Ngati mwasunga ndalama, tsegulani ndalama zobwezeredwa. Zotsatira zake, tetezani ndalama ku inflation, ndipo mabungwe amabanki azisamalira chitetezo cha ndalama.
• Mukamapeza ndalama pagalimoto, siyani kapena muchepetse kuwononga ndalama zambiri. Yembekezani mpaka mphindi yayikulu ndikugula kwakukulu ndikupita kunja. Muthanso kukhala ndi mpumulo wabwino ku Russia.
• Fotokozani mndandanda wazofunika. Izi zidzakuthandizani kuzindikira ndalama zomwe zingachepetsedwe. Tikulankhula za zosangalatsa komanso malo ochezera. Yendani kuntchito ngati ofesi ili pafupi.

Mukamvera malangizowo, mudzakwaniritsa cholinga chanu posachedwa komanso osatayika. Ngati mulibe zowonjezera zowonjezera, lingalirani za mwayi womwe mudzapeze mutagula galimoto. Malingaliro otere amalimbikitsa.

Ngati simukufuna kutolera ndalama pagalimoto kwazaka zambiri, gwiritsani ntchito ngongole yagalimoto. Chifukwa chake pafupifupi nthawi yomweyo mudzakhala mwini wa kavalo wachitsulo. Pakadali pano, malangizo omwe aperekedwa alibe ntchito.

Momwe mungasungire ndalama

Zomwe zapezeka m'nkhaniyi ndizokwanira kuti mukhale katswiri pankhani yopezera ndalama. Komabe, ndikofunikira kuti muzidziwe bwino zinthu zomwe zili munjira zoyipa zosunga ndalama.

1. Osaba mulimonse momwe zingakhalire. Kukhala malo akutali sikungabweretse chilichonse chabwino, koma kungowononga moyo wanu.
2. Kuyesera kusunga ndalama mwachangu, osakhala akuba, chifukwa zochitika zotere zimakhala zoyipa. Ndipo si onse omwe achitiridwa nkhanza amayesa kubwezera mothandizidwa ndi lamulo, posankha ziwawa zakuthupi, zomwe sizingabweretse phindu lililonse.
3. Amisiri ena amizidwa m'maloto mwakuti amakhala okonzeka kuyimirira ndi dzanja lotambasula kuti akwaniritse cholinga.
4. Osamagulitsa ziwalo. Zidzakhala zothandiza kwa inu. Munthu akhoza kupeza ndi impso imodzi, koma uwu si moyo, ndipo ndalama zomwe amapeza zimatsalirabe ku pharmacy.
5. Ngongole ndi ngongole sizothetsera mavuto. Njira zilizonse zomwe zingakuthandizeni kutenga za wina kwa kanthawi, koma mtsogolomu muyenera kugawana ndi zanu zina kwamuyaya, ndikuwonjezera chiwongola dzanja.
6. Intaneti ili ndi mabuku ambiri omwe amafotokoza ukadaulo wopezera chuma. Mabuku otere amathandiza wolemba okha kuti akhale wolemera.
7. Popanda chidziwitso komanso chidziwitso, musayese kusinthanitsa masheya.
8. Pewani kutchova juga. Chofunika cha bizinesi ya juga ndikuti kasino ipambana nthawi zonse.

Chifukwa chake nkhaniyi idatha, momwe ndidaperekera maupangiri osungira ndalama mwachangu. Ngakhale palibe ndalama, zithandizira kukonza vutoli. Kumbukirani, pakhala pali zochitika mdziko lapansi pomwe munthu wosauka adakwera kwambiri osakhala ndi maluso achibadwa komanso maluso obisika. Amangofuna kukhala mosiyana.

Munthu m'modzi, wopanda malo okhala, amakhala m'galimoto yapayokha. Kutenthetsa maloto pansi pa mtima wake ndikusunthira ku cholinga, adagonjetsa zovuta, adapeza zotsatira ndikulembanso moyo. Ndikukhulupirira kuti inunso mudzakwaniritsa izi.