Malangizo 5 osungira ndalama mwachangu

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Chikhalidwe cha anthu ndichakuti nthawi zonse timafuna china chatsopano. Vuto ndiloti chinthu chatsopanochi nthawi zambiri chimafuna ndalama, ndipo nthawi zambiri chimakhala chambiri. Momwe mungapezere kuchuluka kofunikira tikambirana m'nkhaniyi.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

1. Momwe mungapangire ndalama mwachangu - maupangiri 5

Ma algorithm awa ali ndi mfundo zisanu (zisanu):

kukonzekera;
kudziletsa kwamalingaliro;
ndalama ziyenera kugwira ntchito;
mndandanda wogula;
ndalama zonse.

Ndipo tsopano mfundoyi ili mwatsatanetsatane.

1. Kukonzekera

Choyamba, sankhani kuchuluka komwe mukufuna kusunga pamwezi. Ndibwino kufotokoza dongosolo momwe mungafotokozere osati cholinga chokha (mwachitsanzo, kusunga nyumba), komanso njira zina kuti mukwaniritse. Unikani ndalama zanu ndikuwona kuti ndi ziti mwa izo zofunika kwambiri, ndi zomwe simungachite.

Ngati mumalipira zomwe mumagula ndi khadi yakubanki powonera lipoti la banki panthawiyo. Ngati mumalipira ndalama zachikale, musakhale aulesi kuti muwerengere zonse zomwe mumagula, osachepera Miyezi 2-3.

2. Kulamulira malingaliro

Sungani malingaliro anu. Wogula wamba amapanga zopitilira theka la ndalama zawo zokha.

Asayansi amati kusangalala ndi kugula koteroko, kaya ndi kapu ya khofi "yosakonzedweratu" kapena foni yatsopano "yamtengo wapatali" m'malo mokhala yakale komanso yogwira ntchito, imangopita kwa masekondi ochepa. Chifukwa chake onani ngati kuli koyenera kusungitsa "zosowa" zanu pafupipafupi.

3. Ndalama ziyenera kugwira ntchito

Osasunga ndalama "zolemera zakufa", zipangeni kuti zizigwira ntchito ndikupanga phindu. Njira yosavuta ndikutsegula ndalama zosungitsa kubanki ndi mwayi woti mudzabwerenso, koma osathekanso kuzichotsa. Chifukwa chake sikuti mudzangopulumutsa ndalama zomwe mwayikirazo, komanso muziwonjezera, mutalandira m'manja mwanu kumapeto kwa nthawi ya dipositi, ngakhale pang'ono chabe, kuchokera ku chiwongola dzanja chomwe mwapeza.

Ngati mukufuna kupeza zochulukirapo, musakhale aulesi kuphunzira masheya (msika wamasheya), ndikusungitsa ndalama zomwe mwasunga m'malo opindulitsa kwambiri. Ngakhale ili ndi lupanga lakuthwa konsekonse. Mukakhala ndi ndalama zambiri, mutha kukulitsa ndalama zomwe mumapeza. Tikukulangizani kuti muwerenge mwatsatanetsatane pamutuwu - "Kumene mungayikitsire ma ruble 100,000 kapena kuposa kuti mupange ndalama"

Koma palibe amene adathetsa malamulo amsika, komanso mtengo wamagawo nthawi ndi nthawi ikukula ndipo amatsika... Mukayika ndalama pachimake pakukula, mutha kutaya gawo lalikulu la ndalama zanu zikagwa.

Chifukwa chake, njira yosungira ndalama kubanki ndi yotetezeka komanso yodalirika.

4. Kugula pamndandanda

Pangani dongosolo la kugula pasadakhale ndikutsatira. Nthawi iliyonse mukapita kusitolo kapena kumsika, tengani kuchotsera mu ndondomekoyi, ndikungogula zomwe zalembedwa pamndandanda wanu.

M'masitolo ambiri, mashelufu okhala ndi zinthu zotchuka kwambiri amaikidwa kumbuyo kwa malo ogulitsa. Kuti afike kwa iwo, wogula amayenera kudutsa mashelufu ambiri ndi katundu wina, kulimbana nthawi zonse ndi chiyeso chogula kena kake. Ngati simumamvera pamndandanda, ndiye kuti gawo lalikulu kwambiri la omwe agulidwa lidzachokera mgulu loti "Ndikulifuna, koma ndikhoza kutero."

5. Kusunga pafupipafupi

Yesetsani kusunga pang'ono pamalipiro apamwezi pamwezi - chakudya, maulendo, zofunikira, ndi zina zambiri. Pachifukwa ichi aliyense Manambala 1 perekani pamtundu uliwonse wamalipiro amenewo ndalama zofananira ndi zomwe zidagwiritsidwa ntchito mwezi watha.

Yesetsani kusunga ma ruble angapo pa iliyonse ya izi. Ngakhale ndalama zomwe zimasungidwa pamwezi zizikhala zochepa, koma m'miyezi isanu ndi umodzi, komanso zochulukirapo mchaka, zotsatira zake zimakhala zowoneka. Tinalemba momwe tingasungire ndikusunga ndalama munkhaniyi.

2. Mapeto ake

Tiyeni mwachidule. Kuti mupeze ndalama zomwe mukufuna, simuyenera kuchita zambiri: chikhumbo, kuleza mtima, nthawi ndi kulimbikira. Ngati mungachepetse "zosowa" zanu ndikuwongoleredwa ndi "ndikofunikira", ndiye pakapita kanthawi mudzatolera zipatsozo, kapena, mudzakhala ndi ndalama zomwe mukufuna.

Pomaliza, tikupangira kuwonera kanema momwe mungasungire ndalama (maupangiri 33):

Ndi kanema "Momwe mungasungire ndalama kapena kupeza nyumba":

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