Momwe mungasungire mafuta Khrisimasi?

sungani munthu wonenepa Ngati mutasewera kujambula kwa Lottery ya Khrisimasi yotsatira pa Disembala 22 mudzatha kufufukula mndandanda wa mamiliyoni ngati gawo lanu lakhumi liperekedwa ndi jackpot. Mudzakhala opindula osachepera 400.000 euros momwe mungasangalale nazo zaka zikubwerazi. Mpaka pomwe mutha kudzifunsa ngati ili nthawi yoyenera kupuma pantchito ndikukhala ndi ndalama. Ndipo ndiye nkhani yabwino kwambiri kutsanzikana nawo chaka chino.

Komabe, kumbukirani kuti iyi siyikhala ndalama yomwe ipite ku akaunti yanu yowunika. Osati pachabe, adzachotsa misonkho yomwe ikukonzekera masewerawo. Chifukwa chakuti, jackpot idzakhomeredwa msonkho ndi 20% ya mphotho zopitilira 2.500 euros. Zotsatira za kuchotsedwa kumeneku, ndalama zonse za ma euro 80.000 zidzachotsedwa. Chifukwa chake, ndalama zamadzimadzi zomwe mudzalandire zidzatsitsidwa mpaka ma euro 320.000. Koma musakwiye, muli ndi madzi okwanira kwambiri kuti apange phindu.

Kuchokera pa mphotho yofunikayi yomwe mudzalandire, kuchuluka kwa mphothoyi kudzapezeka mu dola. Ngakhale kufikira milingo yovuta kwambiri, kutengera momwe mumagwirira ntchito m'misika yazachuma.  Njira zina zachuma zomwe muli nazo ndizosiyanasiyana, kuchokera pamakontrakitala kumapeto kwakanthawi kupita kuzinthu zina zowopsa, monga kuyika ndalama pazinthu zosangalatsa kwambiri nthawi zonse.

Gordo: gwiritsani ntchito ndalama

sungani ndalamaMutha kupitiliza kuyesa mwayi wanu ndikuyesera zopanga ndalama kuti mupitilize kuwonjezera chuma chanu. Kuti mwanjira iyi, mutha kusiya moyo wanu wogwira ntchito. Mpaka malire pazopindulitsa zomwe sizimawoneka m'mbiri yanu yaying'ono ngati wamalonda wocheperako komanso wapakatikati. Nzosadabwitsa kuti mudzakhala ndi ndalama zambiri kuposa zomwe mungaganizire kuti zipange phindu. Kuchokera pazogulitsa zabwino kwambiri zogulitsa zomwe zikugwirizana ndi mbiri yomwe mumapereka.

Mwa njira iyi, ikuthandizani kuti mukhale pachiwopsezo chachikulu Mpaka pano. Mpaka pomwe kutayika kwa ndalama sikungakhale vuto ngati ntchito sizingachitike monga momwe mumafunira poyamba. Kudzakhala kubweza zina, koma osatinso zina. Ndi umodzi mwamaubwino omwe muyenera kukhala nawo mukalandira Khrisimasi yayikulu chaka chino. Osachepera mudzatumikira kuti musangalale ndikuwonanso ndalama zowonjezera zomwe mungapeze chaka chamawa.

Malingaliro omwe ali otsegulidwa kwa inu ndi ochuluka. Osati m'mabizinesi okha, koma mu mitundu yokhazikika komanso mitundu ina yomwe mpaka pano sinkawerengera momwe mumagwirira ntchito. Zachidziwikire, uwu ndi mwayi wapadera womwe ungodalira mwayi womwe mipira ya hype idzakupatseni nthawi yomwe maphwando apaderayi amayamba. Ndipo njira yabwinoko kuposa kukhala wopambana ndi wopambana wa khumi.

Sungani ndalama zokhazikika

Ngati mukufuna njira yosamala kuti mupitilize kuwonjezera chuma chanu muli ndi m'modzi mwa omwe amalandila kuchuluka kwa mphotho yanu pamadipo anu. Koma osati aliyense, koma mtundu womwe umakulitsa phindu lanu. Zitha kutengera malingaliro omwe cholinga chake ndi makasitomala atsopano ndipo amakhala ndi nthawi yayifupi kwambiri. Pakati pa miyezi 1 ndi 6 m'njira zambiri. Ndi imodzi mwanjira zingapo zomwe muyenera kuwonjezera pazogulitsa zachuma izi.

Njira ina yotetezeka kwambiri komanso yolimba kwambiri yomwe mungapange kuti mphotho yomwe mwalandira mu Lottery ya Khrisimasi ikhale yopindulitsa ndi kupita ku imodzi mwazinthu zomwe anthu ambiri amabweza ngongole. Izi ndizokonda kwa ogwiritsa ntchito osamala kwambiri. Osati pachabe, amakulimbikitsani ntchito yokhazikika komanso yotsimikizika pakuchita zonse. Koma posinthana ndi lipoti la chiwongola dzanja chotsikirapo kuposa njira zina zachuma. Komabe, zili ndi vuto lalikulu kuti zimapangidwira nthawi yayitali. Kwa nyengo zapakati pa 10 mpaka 30 zaka.

Pomaliza, kuthekera kopeza ndalama zonse kumakampani ogwirizana potengera ndalama zomwe mwapeza. Ndi mwayi womwe mungathe kusiyanasiyana kwakukulu zachuma. Zotsatira za zochitikazi, mudzatha kulandira ndalama zochulukirapo zaka zonse. Mutha kuyiphatikiza ndi zinthu zina zandalama kuti mulimbikitse kubweza ndalama zomwe mwayika munkhondoyi.

Sungani mphothoyo pamsika wamsika

Mulimonsemo, ngati pali msika womwe mungapitilize kuwonjezera chuma chanu, ndizosavuta. Komanso kuyankha mabizinesi, amitundu komanso akunja. Koma kudzera munjira zosiyanasiyana. Chimodzi mwazosavuta kwambiri chimapangidwa mwa kugula ndi kugulitsa magawo. Msika wamsika ukangokhala bwino, mutha kukonza malo anu mpaka 10%. Mwanjira iyi, ma euro 320.000 a mphotho yanu adzakhala 32.000 yowonjezera.

Sikuti ndi mwayi wokhawo womwe mungakhale nawo kudzera munjira zachuma izi. Mulinso ndi mwayi wopita kuzotetezedwa zomwe nthawi zonse zimapereka magawo kwa onse omwe amagawana nawo. Osati pachabe, idzakuuzani kubwerera kokhazikika pakati pa 4% ndi 8%, kutengera chisankho chomwe mungapange. Nthawi zonse munjira yokhazikika komanso yotsimikizika, ndipo mosasamala kanthu momwe mitengo yawo imasinthira pamisika yamasheya. Kuchulukitsa likulu pang'onopang'ono.

Muli ndi njira zina zambiri, zina mwa izo mosabisa mawu ndipo zimatha kukweza akaunti yanu yoyerekeza kuti mufike pamagulu osaneneka. Poterepa, ikadakhala zofunikira, ngakhale mutsegule malo pazogulitsazi simudzachitanso mwina koma kuti mupeze zambiri pazochita zawo. Mutha kutenga phindu mpaka magawo ofunikira kwambiri, ngakhale kuwirikiza kawiri likulu lanu ngati ntchitozo ndizokhutiritsa zofuna zanu.

Njira zina zankhanza

mankhwala aukali Lang'anani muli ndi zosankha zina zowopsa kutengera malonda omwe mumalemba. Muli ndi malingaliro ambiri patsogolo panu, kuti musinthe kwambiri mtengo wa lottery yadziko lonse. Ngati mukuganiza kuti kusinthika kwa msika wogulitsa sikungakhale kwabwino kwambiri, mutha kusaina malonda pangongole. Pomwe maubwino amapangidwa ndikugwa m'misika yachuma. Mutha kupeza ndalama zambiri, kuposa mapangidwe ena. Koma chifukwa chake, ziwopsezo zomwe mungakhale nazo ndizochulukirapo, mpaka kuwononga gawo limodzi la phindu lomwe limaperekedwa ndi zigamulo zaboma.

Kukhazikitsa Kugulitsa ngongole Muyenera kukhala ndi chitetezo chambiri pazowonera pamsika wamsika. Ngati sichoncho, ndibwino kuti mupewe kutsegula mipata kudzera munthawi yapaderayi. Mulimonsemo, mutha kupitiliza kuyesa mwayi wanu ndipo mutha kukwanitsa kukwaniritsa zolinga zomwe mukutsata. Ndi ntchito yomwe muyenera kuganizira mozama musanapange chisankho chomaliza.

Chida china chachikulu chowopseza ndikugulitsa zamtsogolo pamsika wamsika. Ikhozanso kukweza kubwerera kwanu kumagulu osaganizirika mpaka miyezi ingapo yapitayo. Koma ndikuchulukirachulukira mthumba mwanu mutha kukwanitsa izi. Zachidziwikire, bola ngati mumamvetsetsa bwino kapangidwe kazinthu zamtengo wapatali komanso zodziwika bwino zachuma. Kodi mutha kuchita malonda m'tsogolo?

Zosangalatsazo zimakhoma msonkho

msonkhoMulimonsemo, zidzakhala zofunikira kuti mudziwe momwe kupeza mphothozi kudzakukhudzirani pachuma. Kupatula momwe mungawagulitsire mtsogolo. Ndipo kuti musakhale ndi mavuto ndi chuma, simudzachita mwina koma kupempha banki yanu yanthawi zonse chikalata chotsimikizira kuti ndalamazo kuti mwalowa pachifukwa ichi kumachokera ku mphotho ya lottery.

Mungalandire nawo mphothoyo, ndipo chifukwa chake muyenera kufotokoza patsamba lomwe wopambana amalandila, kuti mutha kukhala inunso. Palinso chinthu china chomwe simungayiwale kuchita zinthu molondola. Palibe wina koma ngati mphotho yanu ili kudzera mukutengapo gawo (osati tikiti kapena chakhumi chovomerezeka), ndi amene ali ndi udindo wochita izi. Chifukwa chakuti, ngati sichinakhazikitsidwe, ndiye yekhayo amene adzalandire mphothoyo. Mwanjira ina, muyenera kulandila misonkho kuti mupeze mphothoyo. Zotsatira za zochitikazi, zitha kuvulazidwa ndi oyang'anira osawoneka bwinowa.

Malangizo pakuyika mphotho yanu

Ngati ndinu amodzi mwamwayi pamphoto ya Khrisimasi, zikomo, chifukwa mudzakhala ndi gawo limodzi la moyo wanu. Koma ngati mukufuna kuyika ndalama, mutha kugwiritsa ntchito malangizo angapo omwe angakuthandizeni kupitiliza kuwonjezera ndalama zanu. Zikhazikitsidwa pamalingaliro otsatirawa omwe tikukuwonetsani pansipa.

  • Chimodzi mwazotsatira za mphotho ya Khrisimasi iyi ndi yomwe kukhala ndi ufulu wowopsa Zambiri pamalingaliro omwe mungapange chaka chamawa. Ngakhale mutha kuyerekezera zotayika m'malo omwe mumatsegula.
  • Mutha kukhala ochulukirapo lotseguka kuzinthu zina zachuma, ngakhale kuchokera pamitundu yankhanza kwambiri yomwe ingathe kuwirikiza malo omwe muli. Muyenera kungowasanthula ndikusankha zomwe zikugwirizana ndi zomwe mumachita ngati wochita ndalama zazing'ono komanso wapakatikati.
  • Udzakhala mphindi yakukumana nawo pantchitozo m'misika yomwe mumaganizira koma chifukwa chosowa ndalama inu simukanakhoza kuwaika iwo mu kuchitapo. Ino ndi nthawi yoyamba.
  • Mkhalidwe wanu wachuma pakadali pano ukupatsani mwayi wochita ntchito mofulumira kwambiri, ndipo mutha kutseka malonda mwachangu. Chidzakhala chizindikiro chodziwikiratu kuti mwakwaniritsa zolinga zanu pazachuma. Ngakhale mutha kuthamangitsa mayendedwe anu pazotheka kuthekera kwanu.

Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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