Bajeti yabanja ndi njira yoyendetsera ndalama za banja lanu lonse. Kusunga bajeti ya banja sikutanthauza kudzichepetsera nokha ndi achibale anu m'mbali zonse za moyo, lusoli limaganiziridwa ndikugwiritsa ntchito ndalama zanu moyenera.
Tiyeni tiwone momwe tingapangire bwino bajeti yabanja. Choyamba muyenera kudzidziwa bwino ndi zigawo za bajeti ya banja, chifukwa ngati mulibe chidziwitso choyambirira, simungathe kukonzekera bwino. Chifukwa chake, ndalama za bajeti ya banja zimapangidwa kuchokera kuzinthu ziwiri zazikulu:
- ndalama zoyambira;
- ndalama zowonjezera.
Ndalama zazikuluzikulu zitha kunenedwa, mwachitsanzo, phindu lomwe limalandilidwa pantchito yayikulu ndi aliyense wabanja. Ndalama zowonjezera zimatanthawuza ndalama zomwe banjalo limalandira kuchokera ku ntchito yowonjezera, ntchito yaganyu, bizinesi, mabizinesi, kapena ndalama zomwe zimachokera ku katundu wabanja.
Ndalama zomwe zili kale mu bajeti ya banja lanu zimagawidwa m'magulu angapo, mwa kuyankhula kwina, muzinthu zingapo zowonongera, izi ndi:
- mtengo woyendetsa;
- thumba losungira;
- kusonkhanitsa ndalama;
- thumba lachitukuko.
Mayina azinthu zamtengo wapataliwa adapezedwa mogwirizana ndi zolinga zawo zazikulu. Tiyeni tione bwinobwino iwo. Ndalama zomwe zilipo panopa ndi gawo la ndalama za banja zomwe mumagwiritsa ntchito. Izi zikuphatikizapo mtengo wa zinthu zofunika:
- Chakudya;
- ndalama zothandizira;
- zovala zotsika mtengo, nsapato;
- mankhwala apakhomo;
- ndalama zogulira galimoto, petulo;
- ndalama za mwana;
- malipiro a ngongole ndi zina zotero.
Ndalama zosungira ndalama - ili ndilo dzina la gawo la ndalama zomwe banja limasungira pazinthu zazikulu, zamtengo wapatali, monga tchuthi cha chilimwe ndi banja lonse, kugula kwakukulu, ndi zina zotero. Ndalama yosungiramo ndalama ndi ndalama zomwe mumasungirako tsiku lamvula, ngati chinthu choterocho chiri mu bajeti yanu. Thumba lachitukuko ndi ndalama zomwe banja lanu limayika popanga magwero ena owonjezera, mwachitsanzo, mubizinesi yabanja.
Mukhoza kupenda bajeti yanu ya banja. Kwa miyezi 3-4, lembani mosamala ndalama zonse ndi ndalama za banja lanu molingana ndi dongosolo lomwe lasonyezedwa pamwambapa, mutha kuwerengera pafupifupi, ena amasonkhanitsa macheke. Komanso, zidzawoneka momwe mungasungire bajeti ya banja lanu, zomwe sizili zofunikira. Kusanthula uku ndikothandiza kwambiri ngati palibe ndalama zokwanira.
Tsopano mukudziwa zomwe dongosolo la bajeti ya banja limapangidwa. Momwe mungasungire molondola? Tikupatsirani malangizo otsimikiziridwa. Samalani kwa iwo ndikugwiritsa ntchito zina zomwe zikuyenerani inu bwino. Pochepetsa kuwononga ndalama pa zinthu zing’onozing’ono, mudzaona kuti mukhoza kusunga zinthu zina zofunika kwambiri. Dziwani kuti kugwiritsa ntchito njira zosavuta zopulumutsirazi kumathandizira kuchepetsa ndalama zanu ndi 10-25%.
- Tikukulangizani kuti muyambe kuganizira za mwayi wopulumutsa mphamvu. Kawirikawiri sitimayang'anira mtengo wamagetsi, timayang'anitsitsa zida zambiri zapakhomo zomwe zimagwirizanitsidwa ndi intaneti. Koma pambuyo pa zonse, mutha kukana kuzigwiritsa ntchito, kapena, ngati palibe zotheka, mutha kuyesa pang'onopang'ono kukhazikitsa mababu opulumutsa mphamvu m'nyumba yonse. Mtengo wa kuwala udzachepetsedwa kangapo.
- Ngati banja lanu lili ndi galimoto, igwiritseni ntchito pokhapokha ngati kuli kofunikira. Ngati muli ndi mwayi ndi nthawi yoyenda kuntchito, kindergarten, supermarket, musakhale aulesi, gwiritsani ntchito. Mpweya watsopano ndi zochitika zolimbitsa thupi zidzakhala ndi zotsatira zabwino pa maonekedwe anu ndi chikwama chanu. Koma ndikwabwino bwanji kudzikongoletsa ndi chinthu chaching'ono chatsopano mu zovala zanu, makamaka ngati ndi kukula kocheperako kuposa enawo.
- Kodi mumagwiritsa ntchito nthawi yayitali bwanji pafoni? Unikaninso mapulani amitengo ya oyendetsa mafoni, amapereka mitengo yotsika mtengo komanso yabwino pafupifupi nyengo iliyonse. Lumikizani "Zopanda malire pa intaneti", "Nambala yomwe mumakonda" ngati mumalankhula ndi anthu omwewo kwa nthawi yayitali. Palibe zonena za Skype.
- Mulimonsemo musadzikane nokha mpumulo. Pezani banja lonse kuti lipite ku akanema, rollerblading, skiing, skating, kusambira mu dziwe, ndi kusunga ndalama, chitani, ngati n'kotheka, mkati mwa sabata. Makasitomala ochepa panthawiyi amapereka ndalama za 10-15%, kusiyana ndi kumapeto kwa sabata.
Nthawi zambiri, mutha kupeza nthawi zonse malo osungira ndalama. Bajeti yanu idzapindula ndi izi, mudzatha kudzilola nokha ndi banja lanu chisangalalo chochepa. Inde, ndi bwino kuyesa kuonjezera ndalama nthawi imodzi kuti mupeze zambiri. Koma, monga momwe zochitika zimasonyezera, ponena za ndalama ndi ndalama. Pamene ndalama zikukwera, momwemonso kuchuluka kwa zinthu zomwe mumagwiritsira ntchito bajeti yanu. Malangizo athu athandiza omwe akufuna kugwiritsa ntchito bwino ndalama zomwe ali nazo.