Ndalama ndi imodzi mwazinthu zomwe anthu amatsutsa kwambiri. Iwo ndi chimodzi mwa zifukwa zazikulu za kusudzulana ndi mikangano. Kwa maanja ambiri omwe ali ndi zokonda zofanana ndi mfundo zofanana, ichi ndi chopunthwitsa chokha. Katswiri wazachuma Andy Bracken amapereka malangizo khumi amomwe mungawongolere maubwenzi azachuma ndi mnzanu munjira yamtendere.
Kambiranani kuopsa kwake. Amuna mwamwambo amakonda kuyika ndalama zowopsa zomwe zimalonjeza mphotho zazikulu: mwachitsanzo, amakhala ndi mwayi wosewera pamsika. Azimayi, monga lamulo, ndi othandiza kwambiri kuposa abwenzi awo, amakonda ndalama zotetezeka - amakhala omasuka kutsegula akaunti yakubanki. Musanayambe kukambirana za mwayi wapadera wopezera ndalama, pezani kugwirizana pa nkhani ya chitetezo.
Kamodzi, khalani ndi malingaliro amodzi okhudza maphunziro a ana. Kukangana kosalekeza ngati ana adzaphunzira pasukulu yapayekha kapena yaboma, ndipo koposa zonse, kusamutsidwa kwa olowa m'malo kuchokera kusukulu ina kupita ku ina ndikolemetsa kwambiri kwa dongosolo lamanjenje ndi bajeti.
Khalani ndi chizolowezi chotsegula maimelo tsiku lomwe mwalandira., ndikukambirana mabilu onse ndi mnzanu. Maenvulopu osatsegulidwa angayambitse chindapusa, milandu komanso, chifukwa chake, mikangano.
Sankhani ndalama pamwezi zomwe aliyense wa inu angagwiritse ntchito momwe angafunire. Momwemo, mutha kukhala ndi maakaunti olumikizirana ndalama zoyambira ndi ndalama, ndi ma kirediti kadi a "thumba" ndalama.
Lembani malisiti a ndalama ndi ndalama zomwe zagwiritsidwa ntchito. Kutsatira malangizowa kudzakuthandizani kupewa mikangano yambiri yazachuma - simungathe kutsutsana ndi masamu! Komabe, okwatirana ambiri amakana mouma khosi kuwongolera ndalama zawo, ndipo izi zimakhala zovuta makamaka kwa amuna.
Njira yabwino yodziwira ngati mungakwanitse kugula zinthu zina ndi kusanthula ndalama zimene mumawonongera pamwezi, n’kuona kuti ndi ziti zimene zili zofunika, ndi kuwerengera ndalama zimene mungawononge mwaufulu.
Khalani odziletsa. Ngati mumakonda kugwiritsa ntchito ndalama zambiri kuposa momwe mungathere, khazikitsani akaunti "yotetezeka" yomwe izikhala ndi ndalama zomwe zimafunikira kulipira msonkho, zothandizira, inshuwaransi ...
Bwanji ngati mmodzi wa inu akufuna kukhala moyo tsopano ndi kulipira kenako, ndipo winayo ndi wotsimikiza kuti ayenera «ndalama pilo»?
Khalani omveka bwino pa zokhumba zanu musanayambe kukhalira limodzi. Zingawoneke ngati zopanda chikondi kuti mukambirane za ndalama kumayambiriro kwa moyo wanu pamodzi, koma musanakambirane za chiwerengero cha ana amtsogolo ndi ngongole yanyumba, muuzeni mnzanuyo za zomwe mumaika patsogolo m'moyo wanu.
Chofunika kwambiri ndi chiyani kwa inu: kukonza denga lamakono m'dzikoli kapena kugula galimoto yatsopano? Kodi mwakonzeka kuyenda pa ngongole? Bwanji ngati mmodzi wa inu akuganiza kuti ndi bwino kukhala moyo tsopano ndi kulipira pambuyo pake, ndipo winayo ali wotsimikiza kuti akufunika «ndalama khushoni»?
Lankhulani za mapulani anu opuma pantchito pasadakhale. Nthaŵi zambiri, okwatirana amene m’mbuyomu anathetsa nkhani zandalama mwamtendere amayamba nkhondo yeniyeni akapuma pantchito. Poyamba, sankakhala limodzi nthawi yaitali, koma tsopano akukakamizika kuonana pafupifupi usana.
Mwadzidzidzi zimachitika kuti mnzako wina akufuna kugwiritsa ntchito mwakhama: kuyenda, kupita ku malo odyera, dziwe losambira ndi masewera olimbitsa thupi, pamene winayo akufuna kusunga tsiku lamvula ndikugwiritsa ntchito nthawi yake yonse yaulere pamaso pa TV.
Konzani ngongole yanu. Ngati moyo wakula m’njira yoti muli ndi ngongole yaikulu, chinthu choipa kwambiri chimene mungachite ndicho kuthamangitsidwa ndi ongongole. Chiwongola dzanja pa ngongole chidzakwera, ndipo katundu wanu akhoza kulandidwa. Yang'anani ndi vutoli mwachangu: kambiranani ndi wobwereketsa mwayi wokonza ngongoleyo kapena kubweza ndi zinthu zomwe zilipo kale. Nthawi zina zimakhala bwino kukaonana ndi mlangizi wazachuma.
Lankhulanani. Kulankhula za ndalama nthaŵi zonse—mwachitsanzo, kamodzi pa mlungu—kungathandize kumveketsa bwino nkhani zandalama zimene zikuchitika masiku ano ndi kupeŵa mikangano yokhudzana ndi ndalama.
Za wolemba: Andy Bracken ndi mlangizi wazachuma.