Zotsatsa
Mu buku lino, tiwona njira zothandiza zopangira dongosolo lolimba la zachuma.
Kuwunika Mkhalidwe Wamakono wa Zachuma
Musanayambe kukonza, n’kofunika kumvetsa momwe zinthu zilili kwa inu zachuma pakali pano. Patulani nthawi kuti muwunike ndalama zomwe mumagwiritsa ntchito mwezi uliwonse, ndalama zomwe mumalandira, ngongole zomwe simunalipire komanso ndalama zomwe mwaika pakupezera phindu.
Zotsatsa
Izi zidzakupatsani chithunzi chomveka cha komwe muli ndipo zidzakuthandizani kukhazikitsa zolinga zenizeni za tsogolo.
Kukhazikitsa Zolinga za Zachuma
Kukhazikitsa zolinga n’kofunika kwambiri kuti kukonza zachuma kuyende bwino. Fotokozani zolinga zanu mwatsatanetsatane: m’malo mongonena kuti “ndikufuna kusunga ndalama zambiri”, nenani momveka bwino kuti “ndikufuna kusunga 20% ya ndalama zomwe ndimalandira mwezi uliwonse”.
Choncho, gawani zolinga zanu kukhala zanthawi yochepa (chaka chimodzi), zapakati (zaka 2-5) ndi zazitali (zoposa zaka 5) kuti mupange dongosolo lathunthu.
Bajeti Yanzeru ndi kukonza zachuma
Bajeti ndiye msana wa kukonza zachuma kogwira mtima. Yambani polemba ndalama zonse zomwe mumagwiritsa ntchito mwezi uliwonse, kuyambira pa mabilu okhazikika mpaka pa ndalama zosiyanasiyana.
Kuphatikiza apo, Yerekezerani izi ndi ndalama zomwe mumalandira mwezi uliwonse kuti muzindikire madera omwe mungachepetse ndalama ndi kusunga zambiri. Kumbukirani kuphatikiza ndalama zosungira zadzidzidzi mu bajeti yanu kuti muthane ndi zinthu zosayembekezereka.
Kuchepetsa Ngongole
Ngongole zingakhale chopinga chachikulu pokwaniritsa zolinga zanu zachuma. Ikani patsogolo kulipira ngongole za mtengo wapamwamba, monga za makadi a ngongole, pogwiritsa ntchito njira monga snowball (kulipira ngongole zing’onozing’ono kaye) kapena avalanche (kuyika patsogolo ngongole za chiwongola dzanja chokwera kwambiri).
Komabe, Mukachepetsa ngongole zanu, mudzakhala ndi ndalama zambiri zosungira ndi kuyika ndalama mtsogolo.
Kukonza Zachuma: Kusunga ndi Kuyika Ndalama
Kuphatikiza pa kusungira zadzidzidzi, ndikofunikira kusunga gawo lina la ndalama zomwe mumalandira kuti mugwiritse ntchito posunga ndi kuyika ndalama kwa nthawi yayitali.
Choncho, ganizirani kutsegula akaunti yosungira ndalama yopereka phindu lalikulu kapena kuyika ndalama mu zosankha monga ndalama zogwirizana, magawo amakampani kapena ma bondi.
Siyanitsani ndalama zanu zomwe mwaika kuti muchepetse chiopsezo ndikuwonjezera mwayi wopeza phindu pakapita nthawi.
Kutsatira ndi Kusintha
Kukonza zachuma si ntchito yochitika kamodzi; kumafuna kuunikanso ndi kusintha pafupipafupi. Patulani nthawi mwezi uliwonse kuti muunikenso kupita patsogolo kwanu poyerekeza ndi zolinga zomwe munakhazikitsa, ndipo sinthani ngati pakufunika.
Komanso, khalani okonzeka kukumana ndi zovuta panjira ndipo khalani osinthasintha mokwanira kuti musinthe dongosolo lanu pamene zinthu zikusintha.
Zotsatsa
Kupanga Dongosolo la Zachuma: Malangizo Opambana
Kupanga dongosolo la zachuma kumafuna kudzipereka, chilango, ndi njira yokonzedwa bwino.
Komabe, poyesa momwe ndalama zanu zilili, kukhazikitsa zolinga zomveka, kupanga bajeti yanzeru, kuchepetsa ngongole, kusunga ndi kuyika ndalama mwanzeru, mudzakhala panjira yoyenera yokwaniritsa kukhazikika kwachuma ndi kukwaniritsa zolinga zanu zanthawi yayitali.
Nthawi zonse kumbukirani kuti kusintha kwakung’ono lero kungabweretse zotsatira zazikulu mtsogolo.
Chithunzi: Kubwerezedwanso/Intaneti.
