Zoyenera kuchita ndi zotayika pamsika wamsika?

katundu wamsika wogulitsa Chimodzi mwamagawo osakhwima kwambiri pantchito yogulitsa ndalama ndi pomwe maudindo anu m'maboma ali m'gawo loipa, ndiye kuti mwatayika. Palibe amene amafuna izi, koma kusinthika kwa misika yachuma, nthawi zina mosayembekezereka, kumakupangitsani izi zoopsa kwa zofuna zanu monga ndalama.

Mukafika pamagulu azotayika mu mbiri yanu yazachuma, simudzachitira mwina koma kuchitapo kanthu mwachangu, ngakhale kungoganiza kuti mwalakwitsa ndikutseka msika wamsheya, ngakhale zitakuwonongerani ndalama zambiri. Muyenera kuganizira izi posachedwa kuthetsa vutoli lomwe mumakhala nalo muubwenzi wanu ndi misika yachuma. Kukhazikika pamalo amodzi, kumbali inayo, kumatha kukuvulazani kuposa kungokupindulitsani, ngakhale kuda nkhawa.

Poterepa, nthawi zonse zimakhala bwino kuti musafufuze zomwe zatayika mpaka pano. Cholinga chanu chachikulu chidzakhala kuteteza ndalama zanu koposa zonse. Ndizosadabwitsa kuti opareshoni yoyipa imatha kupilira ndalama zanu, koma zikabwerezedwa, zitha kukhala zovuta kwambiri kwa inu. Ngakhale kufikira milingo yomwe sichipiririka. Muyenera kutsimikiza mtima, ndipo posakhalitsa bwino.

Kutengera nthawi yomwe yasankhidwa

masiku omalizira pamsika wamsika Chimodzi mwazinthu zomwe ziziwonetsere kutalika komwe mungapirire kutayika m'mabungwe azikhala nthawi yokhala komwe ndalama zanu zimayendetsedwa. Popeza izi ndizocheperako, zovuta zidzakula, monga mukuwonera nkhani iyi pamisika yazachuma.

Choyambirira cha zochitikazo chidzakwezedwa m'malo a kanthawi kochepa. Simudzakhala ndi mayankho ambiri kuti muthane ndi vuto lomwe mwapeza. Chisankho chiyenera kuyamba ndi kutseka msanga m'malo omwe pamsika wamsika. Mulibe njira zina zodzitetezera, osasinthasintha njira zanu ndikulankhula pakatikati kapena patali. Popanda cholinga china koma kukonzanso momwe ndalama zanu zimakhalira.

Pogulitsa masheya m'misika yazachuma mudzakhala poganiza zolakwika za momwe mumagwirira ntchito, koma simudzachitira mwina. Pokhapokha mutayesetsa kubwezera zomwe zawonongeka kudzera mu phindu pantchito zanu zatsopano kuyambira pano. Ndiyo njira yokhayo yothetsera bwino mayendedwe anu m'misika yamasheya.

Ngati njira zanu, m'malo mwake, ndizokhudza nthawi yayitali komanso yayitali, mudzakhala ndi njira zambiri zotulukiratu osasunthika. Osati pachabe, mudzakhala ndi matiresi a miyezi yambiri mtsogolo. Ngakhale ndizovuta zomwe mudzaphonye mwayi wambiri wosunga ndalama zanu. Koma chomwe chikukhudza tsopano ndikuthetsa vuto lomwe muli nalo lero.

Zotayika: zokutidwa ndi phindu lalikulu

Kuphatikiza apo, mutha kutetezedwa ndi ndalama zomwe zimaperekedwa ndi makampani omwe adalembedwa kwa omwe amagawana nawo. Mwa njira iyi, ngakhale kukhala otayika mutha kuwapatsa ndalama kudzera munjira yolipirayi komanso yotsimikizika chaka chilichonse. Kufikira kuti mutha kutseka maudindo ndi maubwino mu akaunti yanu yazachitetezo. Imeneyi ndi njira yomwe imagwiritsidwa ntchito pafupipafupi ndi omwe amateteza ndalama kwambiri, omwe safuna kuyika mayendedwe awo m'misika yamalonda.

Chinthu china chomwe mungagwiritse ntchito pakatikati ndi kwakanthawi ndikugulitsa magawowo kuti mupeze msonkho wabwino pa lipoti lanu lotsatira la ndalama. Mwanjira imeneyi, chinthu chofunikira kwambiri ndikuti mufunsane ndi mlangizi wanu wamisonkho, ndipo mukhale amene mumasankha ngati gululi lomwe mungapange lipindulitsa kubweza zomwe zatayika mpaka pano.

Kuchuluka kwa ndalamazo

kuchuluka kwakugulitsa Zosinthazi sizikhala zofunikira kwenikweni kuti muchepetse kuchepa kwa mbiri yanu. Osachepera muyenera kuziyamikira kwambiri kuyambira pano. Sizofanana kupanga phindu la ndalama ndi zochepa kwambiri, kuposa ngati mungayike ndalama zochulukirapo kuposa zolemekezeka. Pachiyambi chake mutha kulingalira, pomwe chachiwiri chidzakhala chonyansa kwambiri. Chifukwa chake kufunikira kosintha ndalama kuti muteteze ndalama.

Zinthu zikachitika kuti mumagwiritsa ntchito ndalama zambiri, sipadzakhalanso chosankha koma kukhala wankhanza mukamagwiritsa ntchito njirazi. Kuyambira pachiyambi, ndipo osalola kuti zotayika ziziyenda. Popeza imatha kupanga zochulukirapo kuposa zovuta. Momwemonso, njira yothandiza kwambiri kuti izi zisafike kukulira izikhala pangani lamulo lotchedwa kuyimitsidwa kwakanthawi.

Dongosolo lamtunduwu limathandizira kuchepetsa zotayika. Nthawi zonse kumakhala bwino kutaya 3% pazopereka zanu zandalama, kuti izi zikwere mpaka 8%, makamaka m'malo osavomerezeka pamisika yachuma. Ndi mtundu wa mayendedwe omwe ndiosavuta kugwiritsa ntchito ndipo siziphatikiza ndalama zowonjezera pa ntchito zamsika wamsika.

Kuchokera pazochitika zina zovuta, muyenera kuyeza mwatsatanetsatane komwe mukulozera kugula kwanu mumisika yachuma. Kuwerengera kolakwika kulikonse, ngakhale kocheperako, kumatha kukuwonongerani mayuro ambiri panjira. Osasankha zachitetezo chongoyerekeza. Zowona kuti mutha kupeza ndalama zabwino kwambiri, koma zotayika zitha kukhala zofanana. Muyenera kukhala osamala pochita, makamaka zazikulu kwambiri.

Mbiri Zogulitsa

Mbiri za ndalama Mwina simukudziwa, koma mbiri yomwe mumapereka ngati ndalama zazing'ono komanso zapakatikati zidzafunikanso kuti mukhale ndi njira yodziwikiratu yothetsera zotayika m'misika yamalonda. Sichikhala njira yofananira yomwe wogulitsa mwankhanza ayenera kugwiritsa ntchito, monga momwe zimakhalira ndi okhazikika pamsika wazachuma.

Kuchokera pazomwezi, wochita bizinesi wankhanza, ndipo nthawi zina ngakhale wopenekera, adzakhala ndi zofunikira zambiri sungani zomwe mwatayika pamsika wamsika. Mpaka mutha kuwalandira mwachilengedwe. Pali zochitika zambiri mchaka kotero kuti kwa iwo ndi ngozi chabe yomwe ndi gawo lamalingaliro awo azachuma.

Odzitchinjiriza, komano, amakhala ndi zocheperako pantchito zawo. Nthawi yokha ndi yomwe imakusangalatsani. Kutsika kulikonse kwa malo awo ogulira ndiwowabweza m'mbuyo. Ndipo izi zimawonjezeka kwambiri akakumana ndi zovuta. Atakumana ndi kufunika kolipira sukulu ya ana awo, kubweza ngongole kwa ena, kapena kungolipira mosayembekezereka osati mu bajeti yawo. Nthawi zina sangachitire mwina koma kugulitsa magawo awo moyipa.

Kuti izi zisachitike, mankhwala abwino azikhala sungani ndalama zokha zomwe simukufuna kwa nthawi yochenjera kapena yocheperako. Idzakhala njira yabwino kwambiri yopewera kukumana ndi izi zomwe masheya amagwiritsidwa ntchito molakwika m'misika yazachuma. Musaiwale ngati simukufuna kulakwitsa zaka zingapo zikubwerazi.

Zotsatira zamaganizidwe azachuma

Chimodzi mwazinthu zoyipitsitsa zomwe misika yamalonda ingakuchitireni ndikuti angathe sinthani mtima wanu. N'zosadabwitsa kuti ndizofala pakati pa ena osunga ndalama (makamaka osadziwa zambiri) kuti akakhala kuti atayika pazomwe amagulitsa, mawonekedwe awo amasintha modabwitsa. Kufikira pakukhala kosavuta, komanso ndi nkhawa ina. Ndizovuta kuti agone, ndipo amangodziwa zomwe zimachitika m'misika yazachuma.

Simuyenera kuchita izi mopitilira muyeso mulimonsemo. Ndipo ngati muwona kuti izi zitha kuchitika, chanzeru kwambiri ndikuti simumadzipereka kuti mupereke ndalama. Muli ndi zinthu zina kuti mukhale chete (madipoziti a nthawi, zolembera kubanki, ngongole zaboma ndi zina zambiri) momwe mungakhalire omasuka. Adzakupatsani ndalama zokhazikika komanso zotsimikizika, ngakhale sizingakhale zokhutiritsa kwathunthu pazofuna zanu. Kumbukirani kuti mulibe udindo woti mutsegule malo m'misika yamasheya.

Malangizo okhalira ndi zotayika

Kutaya ndalama sikumverera kosangalatsa kwa aliyense, ngakhale kwa omwe ali ndi ndalama zochepa kapena zazing'ono. Koma mudzatha kuyisamalira bwino ngati njira zina zothandiza zithandizira pazochitikazi. Zidzakhala zabwino kuti muwadziwe, chifukwa nthawi ina mungafunike kuzigwiritsa ntchito. Ndiwo omwe timakufotokozerani pansipa.

  • Yesani mwa njira zonse kuti kuteteza ndalama zanu. Zonsezi zikukhazikitsa njira zolondola zogwiritsira ntchito ndalama, komanso posankha zachitetezo zomwe zimapanga ndalama zanu.
  • Sinthani vutolo likadzuka, osati nthawi itatha ndipo mulibenso njira yodzitetezera ku zotayika muzotetezedwa zanu. Simudzachitiranso mwina koma kukhala agile kwambiri pantchito zonse m'misika.
  • Kuyika ndalama pamsika wamsika chimakhala pachiwopsezo mu mayendedwe onse. Ngati simukuganiza izi, mudzakhala ndi vuto lalikulu lomwe mungadandaule nawo pamsika wotsatira wamsika.
  • Monga njira yopezera ndalama, zizikhala bwino nthawi zonse kukutenga mwanzeru. Ndipo ndibwino kuti mutenge phindu lochepa kuposa zomwe mukuyembekezera pamitengo yamagawo.
  • Sungani ndalama zanu kuti muzisunga zochitika zabwino kwambiri pazofuna zanu, ndipo musachite motsutsana ndi mafunde azomwe misika yamalonda ikuwonetsera, kapena ntchito zachuma zapadziko lonse lapansi.

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

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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.