Pakhala nkhani zambiri zokhuza ndalama zomwe amapeza posachedwapa. Mwina palibe munthu amene sakanamva za iye, ndipo ngakhale pang'ono kulota. Ndalama zopanda ntchito ndi zomwe sizidalira zochita zanu za tsiku ndi tsiku.
Chitsanzo ndi ndalama zodziwika bwino kubanki ndi chiwongola dzanja. Pamene ndalama zanu zikugwirirani ntchito, koma palibe kuyesetsa kofunikira, ingoikani mu akaunti yanu ndikubwezeretsanso panthawi yake kuti ndalama zomaliza zikhale zazikulu. "Piggy bank" pamakhadi aku banki amatanthauzanso zopeza zamtunduwu.
Masiku ano, pakati pa magulu osiyanasiyana a anthu, ndalama zikuchulukirachulukira. Mutha kuyika ndalama pafupifupi chilichonse: mubizinesi, nyumba, mwa inu nokha kapena muzodzikongoletsera.
Njira imodzi yabwino ingakhale kugulitsa golide https://energylineinvest.com/stoit-li-vkladyvat-dengi-v-zoloto/. Pambuyo pake, chitsulo ichi chakhala chikufunidwa kwa zaka mazana ambiri, ngakhale pamavuto, sichinataye kutchuka kwake.
Ndikoyenera kuyika ndalama mu golide: zabwino ndi zoyipa
Ataphunzira za ndalama ndi kuwerenga zambiri za izo, anthu akadali ndi mafunso ngati n'kopindulitsa aganyali golide. Pali zifukwa zingapo zomwe osunga ndalama akadakhala amakonda kuyika golide:
- Choyamba, mtengo wake ukukwera pang'onopang'ono koma pang'onopang'ono. Ndiko kuti, sipadzakhala kudumpha, mmwamba ndi pansi.
- Chachiwiri, sizingatengeke ndi kukwera kwa ndalama. Zowonjezereka, mulimonse momwe mungagulitsire, mwinamwake ndi zotayika, koma zidzakhala zochepa.
- Chachitatu, golide ndi chitsulo chosunthika. M'mayiko ambiri, iwo akhoza kulipira.
Mwa minuses, munthu akhoza kutchula mfundo yakuti mudzawona zotsatira zowoneka bwino za kuyika golide pazaka zosachepera 8-12. Komanso, ngati mumagulitsa golidi, ndiye kuti muyenera kugwiritsa ntchito ndalama zambiri, chifukwa chofunacho ndi chachikulu ndipo ngati mumagwiritsa ntchito ndalama zochepa, ndiye kuti ndalamazo zidzakhala zofanana.
Momwe mungagulitsire golidi?
Pali njira zingapo zogulira golide:
- Kugula ndalama zagolide (ngati simukufuna zotsatira zachangu).
- Kuyika ndalama muzitsulo zagolide (nthawi yayitali).
- Kuyika ndalama muzodzikongoletsera ndi zitsulo zamtengo wapatali zenizeni.
- Depersonalized zitsulo nkhani (zowopsa zochepa posankha banki yodalirika).
Komabe, yankho la funso lakuti “Kodi kugula golidi n’kwaphindu?” Zingakhale zazifupi kwambiri. Njirayi ndi yoyenera kwa oyamba kumene, koma izi sizikutanthauza kuti ndalama zina za golidi ndizoletsedwa. Chinthu chachikulu ndicho kupanga ndalama kwa nthawi yaitali kuti mupeze zotsatira zabwino mu mawonekedwe a phindu.