Zamkatimu
Moyo ndi wosadziŵika bwino, ndipo aliyense akhoza kukumana ndi mavuto azachuma. N’zosautsa kwambiri kuganiza kuti mukulephera kulamulira mkhalidwe wanu wachuma. Komanso, kaya muli pamavuto otani, pali njira yopulumukira.
Sakanizani ngongole app pa smartphone yanu kuti mupeze thandizo mwachangu. Kuphatikiza apo, tikuwonetsa malamulo ena omwe angakuthandizeni kuti muyambenso kuwongolera ufulu wanu wazachuma.
Njira Zisanu Zokhazikitsiranso Kuwongolera Tsogolo Lanu Lachuma
1. Pangani Bajeti Yotheka Payekha
Kupanga bajeti ndi chida chabwino kwambiri chobweretsera ndalama zanu. Osachepera, muyeso uwu udzakuthandizani kuti musagwere pansi.
Konzani ndondomeko yomwe idzaganizire pang'onopang'ono chilichonse. Yambani ndi ndalama zomwe mwasunga ndipo malizitsani ndi kubweza ngongole iliyonse ngati muli nayo.
2. Dziwani Ngati Mukufunikira Magwero Ena Opeza Ndalama
Mukangokonzeka ndi bajeti yanu, yesani kuwona ngati ndalama zomwe mumapeza pano ndizokwanira kukwaniritsa zomwe mukufuna. Ngati mungafunike ndalama zowonjezera kuti mubweze ngongole zanu, mutha kulingalira za zovuta zina.
Werengerani ndalama zomwe mumapeza musanayambe kapena pambuyo pa gig yanu kuti mumvetsetse momwe ndalama zowonjezera zingakuthandizireni kulipira ngongole zanu.
3. Chepetsani Malipiro a Mwezi ndi Mwezi
Kuchepetsa zomwe zimatuluka pamwezi ndi njira ina yabwino kwambiri yochepetsera ndalama zanu. Mutha kuyang'ana mapulogalamu ena a digito omwe amafunikira kulipira mobwerezabwereza. Ngati simuzigwiritsa ntchito pafupipafupi, mutha kusiya kuzilembetsa, potero mukuchepetsa katundu pa chikwama chanu.
Kumbukirani kuti simumakana kusabusikitsira koteroko kosatha ndipo mukhoza kubwereranso kwa iwo m’tsogolo.
4. Pangani Buffer
Kumbukirani kuti moyo uli wodzaza ndi zovuta zosayembekezereka, ndipo palibe amene angakhale wotsimikiza kuti nyengo idzakhala yabwino nthawi zonse. Kuti mukhale ndi chidaliro pa tsiku la mawa, konzekerani ndi kukonza zopulumutsa mwadzidzidzi.
Osadandaula ngati simungathe kuyika ndalama zofunikira nthawi imodzi. Yambani ndi manambala ang'onoang'ono, ndipo zindikirani kuti ndizofunikira. Bajeti yanu yadzidzidzi iyenera kukhala ndi ndalama zokwanira kulipira malipiro anu theka lotsatira la chaka.
5. Iwalani Zogula Zokakamiza
Mukangoyamba ntchito yanu kuganiziranso bajeti, chonde ganizirani kuti muyenera kupewa kugula zinthu zolimba. Ngati simungasiye kugula chinthu chokwera mtengo, muyenera kupanga dongosolo loyika ndalama pambali nthawi zonse.
Izi zidzakulepheretsani kulembetsa ku kirediti kadi yanu ndikuwonjezera malire anu angongole. Kumbukirani kuti kubweza ngongole yotsika kungakhale ndi zotsatirapo mtsogolo, zomwe zingakhudze chiwongola dzanja chanu. Kuphatikiza apo, kutsika kwa ngongole zanu kumatha kukudabwitsani pakubwereketsa nyumba kapena kukupangitsani kuti muwonjezere ndalama zina zolipirira.
Nkhani zachuma si chigamulo chomaliza. Ngati pakufunika kutero, lingalirani njira zomwe zili pamwambapa, ndipo mudzapezekanso munjira!