Njira zitatu zogulira chisangalalo - ndi ndalama komanso popanda

Mwambi wakuti “simungagule chimwemwe” m’njira zosiyanasiyana, umapezeka m’zikhalidwe zosiyanasiyana. Zingawoneke ngati nzeru za anthu sizingatsutse. Koma bwanji ngati nkhani imeneyi ikukayikiridwa?

“Mukafuna kudzisangalatsa, kodi mumawononga ndalama pogula zinthu? Ndipo mukumva okondwa nazo? akufunsa katswiri wa zamaganizo Ian Bowen. "Kapena umadziimba mlandu chifukwa kugula ndi "koipa" komanso kuwononga, chifukwa si onse omwe ali ndi mwayi wotere ... "

Ndiye kodi n’zotheka kukhala wosangalala pogwiritsa ntchito ndalama? Ian Bowen akuganiza choncho. Ndipo kafukufuku amasonyeza kuti chinthu chachikulu ndikuchita mwanjira inayake.

Pali malamulo omwe ayenera kutsatiridwa kuti kusiyana ndi ndalama kubweretse chisangalalo. Mutha:

• kugula zinachitikira;
• kugwiritsa ntchito ndalama kukonza zosangalatsa;
• dzichepetseni nokha;
• kulipira pasadakhale;
• khalani owolowa manja.

Ndipo pali chinanso: mutha ndipo muyenera kukhala ndi chisangalalo kuchokera pogula! Ndikwabwino kugula chinthu chomwe mumakonda ndikukuthandizani kuti mufotokozere nokha, ndikuvala, kuwonetsa kudziko lonse lapansi. Ndi bwino, atapanga chigonjetso pa gawo lotsatira la moyo, kudzigulira wophiphiritsa «mphoto» kuti adzakukumbutsani mmene tingachitire ndi kutilimbikitsa kuti akwaniritsa zatsopano. Malinga ndi kunena kwa Ian Bowen, izi zimathandiza kuchitapo kanthu motsimikiza ndi molimba mtima.

Ndipo titha kupezanso njira zozindikirira, kulimbikitsa, ndi kukondwerera zochitika m'moyo zomwe sizikufuna kuti tipeze ndalama. “Komabe, ngati mwasankhabe kuwononga pang’ono, sangalalani ndipo musadzimve liwongo,” akulangiza motero Ian Bowen.

Koma «kugula pa makina», amene amathandiza kubisala ku moyo, si njira zothandiza kwambiri. Mwina zinali zikomo kwa iye kuti "mbiri" yoyipa ya ndalama idapangidwa. Kudziunjikira ngongole za kirediti kadi, kuyika ma wardrobes ndi zinthu zochokera m'gulu latsopano lomwe sitikufuna kwenikweni, osapatsa chisangalalo komanso kuvala, ndi zopanda pake. Khalidweli silibweretsa chisangalalo, koma kupsinjika maganizo.

Njira yoyenera yopezera ndalama ingakuthandizeni kukhala wosangalala, akutero Ian Bowen. Amapereka njira zitatu "zogula chisangalalo."

1. Gwiritsani ntchito ndalama kuti musangalatse ena

Ngati muli ndi ndalama zaulere, mutha kuchita zosayembekezereka komanso zosangalatsa: mwachitsanzo, tumizani maluwa ambiri kwa azakhali anu okondedwa kapena kuyamika mnzanu wakale pakuchita bwino.

Ngati palibe ndalama pazinthu zotere, gwiritsani ntchito mphamvu zanu pazomwe mukufuna. Simungathe kuyitanitsa maluwa? Jambulani uthenga wamakanema wa azakhali anu, ndikusangalatsani anzanu ndi zithunzi zomwe mwasankha.

2. Ikani ndalama pakukula kwanu

Kukhala wokondwa kumatanthauza kuyika ndalama mwa inu nokha. Mutha kukhala ndi maphunziro osangalatsa kapena pulogalamu m'malingaliro - osati yokhudzana ndi ntchito yanu yayikulu, koma, monga amanenera, "za moyo". Katswiri wa zamaganizo akusonyeza kuti musamadzifunse ngati kuli kwanzeru kuwononga ndalama pa maphunziro oterowo, koma kungochita zimenezo chifukwa chakuti mukufuna kutero.

Ngati mwayi wazachuma uli wocheperako, simuyenera kudzimana chidziwitso chatsopano - intaneti imatsegula mipata yambiri yoti muzipeza kwaulere. "Onerani makanema olimbikitsa, phunzirani maphunziro aulere pa intaneti," akutero Bowen.

3. Sungani zinthu zomwe zimakupangitsani kumva bwino.

Ian Bowen amalimbikitsa kuyang'ana kwambiri zogula zomwe zimakupangitsani kukhala amphamvu, osangalala, anzeru, kapena abwinoko. Gulani osati chifukwa ndi chinthu chamfashoni, koma chifukwa chikuwonetsa china chake chofunikira pa inu.

Ndipo kwa ichi, kachiwiri, sikoyenera kukhala ndi ndalama. Mutha kudzisangalatsa, kulimbikitsa kapena kukondwerera chochitika chofunikira osawononga ndalama. "Fufuzani njira zopangira kukumbukira nthawi yamakono, kukondwerera tsiku lofunika kwambiri kwa inu. Mwachitsanzo, pezani chithunzi chomwe chikugwirizana ndi momwe mukumvera ndikuchiyika ngati chophimba chanu.

N’zachidziŵikire kuti si ndalamazo zomwe zimatisangalatsa — mmene timagwiritsira ntchito zingabweretse kumwetulira pankhope zathu. Koma kudziunjikira monyanyira ndi kusafuna kuwononga ndalama pa chisangalalo cha moyo wathu waufupi kuli kovulaza mofanana ndi kuwononga kosalingalira bwino.

Aliyense akhoza kusankha yekha zimene zingamusangalatse. Philanthropy? Zongochitika zokha? Zosangalatsa? Chilengedwe? Kusankha kumeneku kudzatsimikizira njira yogwiritsira ntchito ndalama zomwe zingakupangitseni kukhala osangalala.

Za wolemba: Ian Bowen ndi katswiri wa zamaganizo komanso mphunzitsi.