Makiyi 6 osiyanitsa bwino ndalama

kusiyanitsaZachidziwikire, imodzi mwanjira zabwino kwambiri zotetezera ndalama zathu ndizokhazikika pakusintha ndalama. Koma sizingachitike mwanjira iliyonse, koma kudzera mwa kukonzekera kolondola ya mbiri yazachuma yomwe amalonda adzamanga miyezi ingapo ikubwerayi. Koposa zonse, iyenera kukhala yoyeserera popeza ndi njira imodzi yopewera iliyonse zolakwika zamtundu wina zomwe zimalipira ndalama zathu mosafunikira komanso mopanda nzeru.

Kumbali inayi, njira yolondola yosinthira ndalama zachokera osangokhala ndi chuma chimodzi. M'malo mwake, njirazi ziyenera kukhala zotseguka kuzinthu zina, ndalama zomwe zingakhazikitsidwe komanso misika ina yazachuma (ndalama, zopangira, zitsulo zamtengo wapatali, ndi zina zambiri). Chifukwa chomwe chili kumapeto kwa tsiku sikuyenera kusungitsa chuma chonse mudengu limodzi. Uku ndikulakwitsa kwakukulu komwe kumatha kukhala ndi zotsatira zoyipa pakuwunika akaunti yathu.

Kuphatikiza apo, kusiyanitsa kwa ndalama kumabweretsa zina zowonjezera. Chimodzi mwazinthuzi ndikuti ipanga mawonekedwe abwino amtundu uliwonse. Osangogwiritsa ntchito ndalama zochulukirapo, komanso m'malo ovuta kwambiri pamisika yazachuma. Chifukwa chimodzi mwamaubwino osiyanitsa ndalama ndikuti zimalola kukhazikitsanso mbiri yathu nthawi zochuluka momwe tikufunira. Kutengera mkhalidwe weniweni wa misika yachuma. Mwachidule, ndikuwongolera mwachangu ndalama zathu osati zokhazikika, monga zimalimbikitsidwa ndi osunga ndalama omwe sadziwa zambiri m'misika yazachuma.

Siyanitsani: chuma chambiri

katundu Mosakayikira, chinsinsi chimodzi chokwaniritsira cholingachi ndichakuti sankhani chuma chabwino kwambiri mphindi iliyonse. Zachidziwikire, sitiyenera kuyang'ana pa chimodzi chokha kuyambira pamenepo tidzakhala tikukulitsa zolakwa zathu kuchokera munthawi zenizeni zija. Imodzi mwa njira zothandiza kwambiri ndikuphatikiza ndalama zolipirira ndalama ndi zinthu zina, ndi ndalama zomwe zikuwathandiza kuti malo omwe akutsegukawa apindule.

Kuphatikiza apo, ndi imodzi mwanjira zosavuta kuti muteteze ndalama zomwe mwayika. Popeza ndalama zosiyanasiyana zizigwira ntchito ananyema pazovuta kwambiri pamisika yazachuma. Ndikuthekera kopeza ndalama zopindulira chimodzi mwazochitika izi ndizovuta kwambiri pazokonda zanu mokhudzana ndi dziko la ndalama. Chimodzi mwazitsanzozi chimayimiriridwa ndi zomwe zimatchedwa ndalama zosakanikirana. Komwe ali otseguka m'njira zosiyanasiyana zosamalira zinthu za ogwiritsa ntchito. Monga ambiri a iwo amatero.

Khalani otseguka kuzinthu zatsopano

zosankha Kusinthitsa mabizinesi simudzachitanso mwina koma kukhala kusintha kwambiri mokhudzana ndi chuma chomwe mwasankha. Muyenera kukumbukira pafupifupi onse. Kuchokera pamaumboni amtundu wapadziko lonse kupita kuzinthu zopitilira muyeso, monga kugulitsa mafuta. Kuti mwanjira iyi, mutha kugwiritsa ntchito mwayi wonse wamabizinesi omwe akudziwonetsera kuyambira pano. Izi zikutanthauza kuti, chosiyana kwambiri ndi kukhala osasunthika komanso kuti chinthu chokhacho chomwe chingakupangitseni ndikuti mupite kuzakutayika kwanu pazinthu zochepa zomwe mungapeze pazachuma chambiri.

Kumbali inayi, chinsinsi chimodzi chokwaniritsira njirayi yapaderadera ndi kusankha kusankha kasamalidwe kabwino. Zomwe muli nazo munthawi zabwino kuti muchepetse pang'onopang'ono kuchuluka kwa akaunti yanu yowunika. Ndizosadabwitsa kuti imatha kusinthidwa nthawi zonse ndi zachuma zonse m'misika yazachuma. Ngakhale izi, mulibe yankho lina koposa dziwani bwino zonse zomwe zimachitika pachuma chamayiko ena. Kusintha kapena kuchuluka kwa mbiri yanu yazachuma kutengera momwe zinthu zilili. Mwanjira imeneyi, simuyenera kusamala za kukhazikika chifukwa chomwe chili chofunikira ndikutsatira zomwe zili ndi katundu wabwino kwambiri.

Kudzera mtanga wamagawo

Ngati msika womwe mwasankha kuti mupange ndalama zanu ndi zamabizinesi, mudzakhala ndi njira yomwe ingakuthandizireni kusintha zotsatira zanu kuyambira pano. Si winanso ayi koma kutsamira dengu lamatangadza m'malo mwamsika umodzi wamsika kapena mwanjira imodzi yokha. Koma kudzera mu mfundo zomwe zimathandizirana moyenera. Ndiye kuti, sangakupatseni lingaliro lanu logula magawo m'mabanki awiri kapena atatu. Chifukwa ngati mutachita izi ndiye kuti mwalakwitsa kwambiri. Ndipo ndichakuti athe kukulitsa mabala ngati gawoli limizidwa mumachitidwe olimba kwambiri.

Ndikofunika kuyang'ana zigawo za m'thumba zomwe zimathandizana bwino. Kusankha masheya omwewa omwe amagulitsidwa mosiyana ndi omwe amachokera ku magetsi, zomangamanga, matekinoloje atsopano komanso magawo azakudya. Kuti muteteze malo anu mwanjira yabwino kwambiri pamtundu uliwonse wamachitidwe. Zachidziwikire, simudzakhala ndi zotayika zomwe mungapeze kuchokera pamalingaliro amodzi kapena awiri ofanana. Ndichinthu chomwe mungaphunzire pang'ono ndi pang'ono pakupita kwa opareshoni komwe mumapanga kuchokera munthawi zenizeni izi.

Phatikizani ndi zinthu zina

Zidzakhalanso zothandiza ngati mutasakaniza zomwe ndizabwino komanso zovuta ndi zinthu zamabanki zanthawi zonse. Monga kusungitsa nthawi, zolembera kubanki kapena maakaunti olipira kwambiri. Simungayiwale kuti mitundu yosungayi ndi yomwe imapindulitsa pafupifupi nthawi zonse. Zowona kuti zidzakhala zochepa kwambiri, koma osachepera zikuthandizani kuti musagwere manambala ofiira. Ndizothandiza kwambiri pakubweza ndalama zonse. Kulemba kwanu ntchito kumabweretsa chidwi mozungulira 1%. Koma kutsimikizira izi chaka chilichonse popanda chiopsezo pazochita zanu.

Kuchuluka kwa ndalama Zidzatsimikiziridwa ndi mbiri yomwe mumapereka monga wochita ndalama zazing'ono komanso wapakatikati. Chifukwa chakuti, sizingafanane ndi wochita bizinesi wankhanza kuposa wina yemwe chitetezo chimapitilira pazinthu zina zamaluso ndi zofunikira. Mudzakhala amene mudzasankhe kuchuluka kwa zomwe mupereke kuzinthu zilizonse zomwe zikuchitika. Kumene boma liperekedwe ndi ndalama zosiyanasiyana zithandizanso. Muthanso kusunga ndalama zochepa kuti mugwiritse ntchito mwayi wamabizinesi omwe adzawonekere nthawi iliyonse.

Pitani ku misika ina yamasheya

khoma pamsewu Palibe chikaiko kuti kasinthasintha wa ndalama zanu Iyeneranso kukwaniritsa mfundo yofunika iyi. Simungayiwale kuti kukhazikika m'ndondomeko yosankhidwa kapena malo kungakhale cholakwika chachikulu chomwe chitha kulipira kwambiri kuyambira pano. Muyenera kupita komwe ndalama zaopulumutsa zazikulu zikupita ndikupanga mosalekeza komanso nthawi yomweyo. Komwe nthawi yoyipa kwambiri ikakhala pomwe ndikofunikira kuti musiye msika wopeza ndalama zosiyanasiyana kuti mupite kumalo ena omwe akuwonetsa ukadaulo waluso. Ndiye kuti, ndikukweza kwathunthu.

Poterepa, ndi njira ina yogulitsa yomwe imagwiritsidwa ntchito ndi ogwiritsa ntchito omwe amapereka chidziwitso chambiri pantchito zomwe zachitika. Amadziwa nthawi yoyenera kutuluka ndi komwe mungayang'anire zopereka zanu zachuma, chomwe ndi chimodzi mwamagawo ovuta kwambiri amtunduwu wazachuma. Chifukwa, mwazinthu zina, zidzafunika kugula bwino kwambiri. Komanso malonda. Apa ndiye chinsinsi cha kupambana kwa osunga ndalama awa ndikuti amadziwa momwe angasinthire ndalama zawo nthawi iliyonse komanso m'misika yazachuma.

Kukonzanso kwakanthawi

Njira ina yomwe imagwiritsidwa ntchito ndi yomwe idakhazikitsidwa kusintha ndikukonzanso ndalama zanu pafupipafupi. Monga mwachitsanzo, pakati pa kamodzi kapena katatu pachaka. Idzakupatsani kusinthasintha kokwanira kuti muzolowere zochitika zonse zomwe zingatheke. Kuchokera pazochulukirachulukira kupita kwa ena komwe kudulidwa ndizofala pazachuma. Sikofunikira kokha kuti muzigwiritsa ntchito pogula ndi kugulitsa magawo. Koma m'malo mwake, zitha kukhala zothandiza kwambiri pamabizinesi azandalama, olembedwa kapena azinthu zankhanza kwambiri.

Muyenera kuchotsa pazomwe munalemba zomwe simunachite monga mumayembekezera. Kuti muwabwezeretse ena akuwonetsa fayilo ya kutamanda kwakukulu kuthekera. Kapenanso akugulitsa pansi kwakanthawi kochepa komanso kwapakatikati. Mwanjira imeneyi, phindu lazachuma chanu lidzawonjezeka, ngati sizodabwitsa, ngati zingachitike, kuti musataye ndalama nawo. Koma poyang'anitsitsa mosamala misika yazachuma.

Chifukwa chakuti nthawi zina malingaliro ena angakhale ovomerezeka ndipo enawo ena onse. Ndizosadabwitsa kuti imodzi mwamaubwino abwino azachuma ndikuti mutha kusankha pakati pazinthu zosiyanasiyana zachuma. Zambiri kuposa momwe mungaganizire kuyambira pachiyambi. Koma nthawi zonse kusiyanitsa zopereka zanu zandalama. Musaiwale ndipo mudzakhala ndi zabwino zambiri kuyambira pano.


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