Zotsatira za nthiwatiwa: chifukwa chiyani timabisala kumavuto

Anthu ena sakonda kupanga bajeti, ena amadana ndi kulipira ngongole. Enanso sayang’ana m’makalata kuti asaone chikalata chochokera kubanki (ngakhale akudziwa kuti ali ndi ngongole). Mwachidule, ena a ife ndi nthiwatiwa. Ndipo inenso ndine kale nthiwatiwa.

Nthiwatiwa ndi zolengedwa zoseketsa, zomwe zimatchulidwa kuti zimakhala ndi chizolowezi choyika mitu yawo mumchenga ngati zitachitika ngozi. Njira yodzitetezera ndiyopusa kwathunthu, koma fanizolo ndilabwino kwambiri. Timabisala ku mavuto. Sitipita kwa dokotala kuti tisadziwe matenda, apo ayi tidzafunika kulandira chithandizo. Sitikufulumira kugwiritsa ntchito ndalama zomwe tapeza movutikira pa school fees kapena madzi. Timakonda kubisala ku zenizeni zopanda chifundo mu mink yakuda ndi yodzaza. Ndiosavuta kuposa kulipira ngongole.

Muzachuma zamakhalidwe, nthiwatiwa ndi chizolowezi chopewa nkhani zoyipa zachuma. Mu psychology, chodabwitsa ichi chikuwoneka ngati chotsatira cha mkangano wamkati: kulingalira kwanzeru kumafuna chisamaliro ku zinthu zofunika, kulingalira kwamaganizo kumakana kuchita zomwe zimapweteka.

Njira ya nthiwatiwa yothetsera mavuto a zachuma ndi kuwanyalanyaza kwa nthawi yayitali, ndipo pamene kugwa kwathunthu kumayamba kuopseza, mantha ndi kutaya mwachidwi. Chizolowezi chonyalanyaza chowonadi chowawa sichimangokulepheretsani kulimbana ndi zovuta, komanso mosakayika kumabweretsa zovuta.

Posachedwapa, nanenso ndinanyalanyaza ndalama zogulira zinthu mpaka pamene chenjezo lina la kuzimitsa magetsi linandikakamiza kuchitapo kanthu mwamsanga. Nthiwatiwa inkandipangitsa kukhala wopanikizika kosalekeza, kubweza ndalama mochedwa, zilango za ngongole zomwe zatsala, chindapusa cha kupyola malire angongole. Mavuto ang'onoang'ono osathetsedwa amatha kukhala mavuto akulu. Komabe, pali mitundu ina. Ena samangoganizira za penshoni yamtsogolo, chifukwa kudakali zaka 20 kutsogolo, kapena kugwiritsa ntchito mosasamala khadi la ngongole mpaka ngongoleyo idzakhala yoopsa.

Momwe mungaphunzitsirenso nthiwatiwa

Kuti tisinthe, tiyenera kufuna kusintha - ili ndi lamulo lofunikira la psychology. Zizolowezi za nthiwatiwa sizipita kulikonse mpaka titamvetsetsa kuti izi sizingatheke. Kuyesa kubisala ku zovuta zenizeni kumabweretsa zotulukapo zowopsa, motero posakhalitsa amasankha kuyambiranso.

Ngati ndinu nthiwatiwa, wotopa chifukwa chothawa mavuto osatha, yesani njira zingapo.

Sinthani zonse zomwe mungathe

Zolipira zokha zimapulumutsa moyo wa anthuwa. Ndikofunikira kukonza ma templates kamodzi, ndipo zina zonse zidzachitidwa ndi dongosolo. Zachidziwikire, kulowetsa ma logins ndi mapasiwedi ambiri ndikuyika tsiku loyenera la invoice iliyonse ndi chinthu chosasangalatsa. Koma khama lomwe likugwiritsidwa ntchito limapindula chifukwa chakuti pambuyo pake mukhoza kuiwala za malipiro ndi kupuma. Ndondomekoyi idzatenga maola osapitirira awiri, ngakhale mutayitana opereka chithandizo.

Khulupirirani mfundo, osati chiweruzo

Nthiwatiwa zonse zili ndi mawonekedwe ake: sitikonda kuyika ndalama pazinthu zomwe zidzapindule mtsogolo. Timachulukitsa ndalama ndikuchepetsa phindu, ndipo chifukwa chake, chowerengera chamalingaliro chimaundana ndikusankha kuzengereza.

Zoonadi zimathandiza kupewa maganizo olakwika. Mwachitsanzo, ndimadana ndi kutsitsa chotsukira mbale. Nthawi zonse ndinkasiya ntchito yotopetsayi, koma tsiku lina ndinayamba kuchita chidwi ndi mmene zimatengera nthawi. Zinakhala zosakwana mphindi zitatu. Tsopano, ndikafuna kuthawa kachiwiri, ndimadzikumbutsa kuti, "Mphindi zitatu!" - ndipo nthawi zambiri cholinga chake chimagwira ntchito.

Komano, muyenera kuphunzira kudziwa «mtengo wa kupewa.» Nthabwala ndi nthabwala, koma zotsatira za khalidwe la nthiwatiwa zimakhala zomvetsa chisoni. Kulipira mochedwa pa kirediti kadi kumawononga mbiri yanu yangongole ndipo kumawononga ndalama zanu. Ngozi ikachitika, inshuwaransi yomwe yatha nthawi yake imatha kubweretsa ndalama zambiri zokonzanso, osatchulanso zilango zoyang'anira. Mabilu kapena misonkho osalipidwa amatha kubweretsa chindapusa chachikulu komanso nthawi yandende. Zowonongeka zomwe nthiwatiwa zimadzibweretsera okha komanso okondedwa awo sizoseketsa.

Pali ntchito zapaintaneti ndi mapulogalamu omwe amawonetsa kuchuluka kwa ndalama zomwe timalipira chaka chilichonse kupitilira malire omwe ali pakhadi. Mothandizidwa ndi nsanja zapadera, mutha kuyang'anira ngongole zanu ndikuwona zikukwera kwambiri tikakhala ngati nthiwatiwa komanso kukwera kumwamba tikamalipira. “Alangizi” a zachuma ameneŵa ndi umboni wa mmene kuzengereza kwathu kulili kokwera mtengo.

Nthawi ndi khama n’zofunikanso. Zoonadi, kodi tiyenera kulipira chiyani? Mukachita izi nthawi yomweyo, kudzera pa intaneti kapena pa terminal, sizitenga mphindi zosachepera zisanu. Koma akauntiyo ikagwa mu «Bermuda Triangle» yamilandu yomwe ikuyembekezera, zonse zatha. Kamvuluvuluyu pang’onopang’ono amatikoka molunjika.

Kuswa dongosolo

Mawu akuti «Bermuda Triangle» ndi ophiphiritsa ndipo sizikutanthauza kuti muyenera kudzipulumutsa pa mtengo uliwonse. Kuchita chinthu chimodzi kuchokera pamndandanda wopanda malire ndikwabwino kale, kumapereka kukankha kofunikira kuti muthane ndi zina zonse. Patulani mphindi zisanu ndikulipira gawo limodzi la ngongoleyo ndikwabwino kuposa kukhala kumbuyo. Inertia imagwira ntchito m'malo mwathu, chifukwa zomwe zayambika ndizosavuta kupitiliza.

Dzipatseni nokha chipukuta misozi

Musaiwale kuphatikiza bizinesi ndi zosangalatsa. Kupumula ndi kapu ya koko mutatha kuchotsa ndalamazo si njira yochepetsera vutoli? Kudya chidutswa cha keke, kuwonera gawo latsopano la mndandanda womwe mumakonda ndikukulimbikitsaninso. Dzipangireni malamulo: "Ndigwa pa sofa ndi buku ndikangotseka ntchito imodzi yazachuma!" ndi njira ina yoganizira zosangalatsa osati khama.

Zizolowezi ndizovuta kusintha, simungathe kutsutsana nazo. Dzipatseni nthawi yopuma ndikuyamba pang'ono. Pangani akaunti imodzi, perekani invoice imodzi. Mukudziwa kuti ulendo uliwonse umayamba ndi sitepe yoyamba. Pangani izo. Perekani mphindi zisanu pompano.