Zotsatsa
Kusunga bwino zachuma ndi ndalama zochepa kungawoneke ngati kovuta, koma pokonzekera ndi kukonza bwino, n’zotheka kwathunthu. Nazi mfundo zazikulu zitatu zokuthandizani kukonza dongosolo lolimba la zachuma, ngakhale muli ndi ndalama zochepa.
Kukonza ndalama zomwe mumalandira ndi zomwe mumawononga
Mosasamala kanthu za ndalama zomwe mumalandira, chinthu choyamba pokonza dongosolo logwira bwino la zachuma ndi kumvetsetsa bwino momwe zachuma zanu zilili. Ndikofunika kusunga mbiri yolondola ya ndalama zonse zomwe mumalandira ndi zomwe mumawononga. Izi zikuphatikizapo magwero onse a ndalama zanu, ndalama zokhazikika (monga lendi ndi mabilu) komanso ndalama zosiyanasiyana (monga chakudya ndi zosangalatsa). Kugwiritsa ntchito zida monga maspredishiti kapena mapulogalamu azachuma kungathandize kuti ntchitoyi ikhale yosavuta komanso kukupatsani chithunzi chomveka bwino cha kumene ndalama zanu zili komanso kumene zikupita. Mukamvetsetsa bwino ndalama zomwe mumawononga, zimakhala zosavuta kuzindikira mbali zomwe zingafunikire kusinthidwa.
Zotsatsa
Kuwunikanso momwe mumayendetsera zachuma
Mukakonza ndalama zanu, mungazindikire kuti ndalama zomwe mumagwiritsa ntchito zimaposa zomwe mumalandira. Zikatere, n’kofunika kusintha moyo wanu. Izi zingatanthauze kuchepetsa ndalama zosafunika, monga zolipirira ntchito zomwe simumagwiritsa ntchito kwambiri kapena ndalama zogwiritsidwa ntchito mwamphamvu. Cholinga chake ndi kugwirizanitsa moyo wanu ndi zomwe mungathe kulipira, kuchotsa zochulukirapo komanso kuonetsetsa kuti zofunika sizikunyalanyazidwa. Motero, mumapewa kudziunjikira ngongole ndipo mumakhala moyo wokhazikika kwambiri mogwirizana ndi ndalama zomwe muli nazo.
Kuyang’ana pa kusunga ndalama ndi kuthetsa ngongole
Kusunga ndalama ndi mbali yofunika kwambiri, makamaka kwa omwe ali ndi ndalama zochepa. Mukakhala ndi chidziwitso chomveka bwino cha ndalama zanu, ndi nthawi yodziwa mipata yosungira ndalama. Izi zingaphatikizepo kuchepetsa ndalama zosafunika mpaka kufufuza njira zotsika mtengo zokwaniritsira zosowa zanu. Kuphatikiza apo, n’kofunika kuthana ndi ngongole iliyonse yomwe sinamalizidwe. Ngongole imatha kudziunjikira mwachangu, makamaka ndi chiwongola dzanja chokwera. Ikani patsogolo kulipira ngongolezi, kukambirananso za malamulo ake ngati n’kotheka kuti muchepetse katundu wa ndalama.
Mwachidule, mliri wa 2020 unasonyeza kufunika kokhala okonzeka pazachuma pothana ndi zovuta. Ngakhale mutakhala ndi ndalama zochepa, ndi kudzipereka, chilango komanso kutsatira mfundo zazikulu zomwe zatchulidwa pamwambapa, n’zotheka kukhala ndi thanzi labwino lazachuma komanso kukhala okonzeka kuthana ndi mavuto azachuma omwe angabwere.
Chithunzi: Unsplash/Paico Oficial
