Kukhala phindu lalikulu, kugulitsa kapena kudikirira?

kugula m'thumbaPakadali pano phindu lomwe likupezeka pazachuma zomwe zapangidwa zikuyamba kukula, sizachilendo kuti opulumutsa ndalama aganizire ngati ili nthawi yoyenera kugulitsa, kapena kudikirira kuti mapindu ake akule kwambiri. Kufotokozera njirayi kudzakhala kofunikira pangani njira zomwe zimapangitsa malire a zolinga wa wogulitsa ndalama. Kutengera mbiri yanu, mawu omwe akuwongoleredwa komanso likulu lathandizira. Ndizosadabwitsa kuti nthawi zambiri amapeza yankho ku njirayi.

M'mikhalidwe yakukwera, chinthu chanzeru kwambiri ndikupitiliza ndi ndalama mpaka mutapeza mitengo yabwino pamtengo wake. Kapena mpaka ziwonekere Zizindikiro zosonyeza kuti njirayi ithe, ngakhale chiopsezo chomwe phindu lomwe lapeza pano litha kusokonekera.

Kuti mupange zolakwitsa zochepa momwe mungathere, ndikulimbikitsidwa kuti musankhe chilinganizo chomwe kuphatikiza chitetezo ndi chiopsezo ngati njira yosungira ndalama zanu. Makamaka munthawi yama bearish komwe ndiposavuta kuti malo azachuma anu abwererenso. Mpaka kufikira malo olakwika, pomwe kumakhala kovuta kwambiri kuthetsa malowa m'misika yamalonda.

Kupeza ndalama: Khazikitsani zolinga

Kupeza ndalama pamsika wamsika Koposa zonse, palibe chomwe mungachite koma kukhazikitsa zolinga zomwe mungaganizire kuyambira koyambirira. Osazichita ndi chiyembekezo chokwanira, ndi zizindikiro zosapambana. Kudzakhala kulakwitsa kuwoneratu zolinga zochepa zomwe zingakwaniritsidwe ndi phindu kuposa momwe zimakhalira pantchito zamtunduwu. Upangiri wina wothandiza pazochitikazi ndi kukhazikitsa mfundo zakuchita nawo ntchito: zazifupi, zapakatikati kapena zazitali. Kutengera ndi gawo ili, gwiritsani ntchito njira yabwino yopezera ndalama.

Tsekani maudindo pamsika wamsika

Maudindo anu m'mabungwe nthawi zonse amakhala opambana pali yesero logulitsa magawo mwachangu. Koma, kodi ndizolondola zomwe akuchita ndalama? Zimadalira momwe mungadzitsogolere poyang'anira ndalama zanu. Ndizosadabwitsa kuti, pakakhala kusakhazikika kwachuma kapena kusokonekera kwa masheya mwina ndi chisankho chabwino kwambiri chomwe mungapange, kuposa malo ena ankhanza.

Koma izi sizimachitika nthawi zonse, ndipo mwabwino kwambiri pazokomera zanu (pansi, kapena osalowerera ndale), mudzakhala olakwika ngati mutseka malowa mwakhama. Okhazikitsa ndalama m'misika yazachuma amakonda kwambiri thamangitsani maubwino pamwamba pazinthu zina. Malingana ngati mungakhazikitse zolinga zochepa pakugulitsa masheya.

Chinyengo pang'ono kuti muchite motere ndikuwona kukwera kwamitengo sabata iliyonse. Kotero kuti mphindi khalani otsika, Pangani chisankho ndikuchoka pantchito nthawi yomweyo ndi maubwino onse omwe mwapeza mpaka pano. Ndi njira imodzi yodalirika popangira zisankho pamakhalidwe amenewa. Kwenikweni kwa osunga ndalama omwe amayendetsa ndalama zawo kwakanthawi kochepa.
Mawu achidule sangapite ndi momwe mumakhalira ndi ndalama. Koma m'malo mwake adapangira sing'anga kapena yayitali. Poterepa, mudzatha kulingalira zotayika m'miyezi yoyamba, popeza zomwe mukuyembekezera pakukula kwachuma zikhala zaka 5, 8, 10 kapena kupitilira apo. Simufunikanso kudziwa zolemba za tsiku ndi tsiku zachitetezo chomwe mumasunga pantchito yanu yosungira ndalama. Mukamagwira ntchitoyi pafupipafupi, izikhala yokwanira.

Kodi muyenera kusintha liti malo?

Mulimonse momwe mungasungire ndalama zanu, pali zochitika zina zomwe simungachitire mwina koma kutseka maudindo omwe mwatsegula. Idzakhala mphindi yeniyeni yomwe mawuwo adzalembedwe kuswa chithandizo china chofunikira. Ichi chidzakhala chizindikiro chodziwikiratu kuti mwasokonezedwa munjira zanu. Ndipo sipakhala kuchitira mwina koma kusintha malowa. Ndi cholinga chodziwikiratu, chomwe sichina koma kukulepheretsani kutaya ndalama zambiri m'misika yazachuma.

China chochititsa chidwi kwambiri pazochita zanu pamsika wamsika chimachokera koyambirira kwa kayendedwe kotsika, mutapeza phindu lalikulu pogulitsa masheya. Zachidziwikire kuti mukufuna kutseka ntchitoyi ngakhale mutapeza phindu lochepa. Chiwopsezo chotengera njirayi ndikuti Ikhoza kukulepheretsani zojambulidwa m'miyezi ikubwerayi, zomwe zimakupangitsani kuti muwonjezere phindu lanu, ngakhale zochulukirapo.

Vuto lofookali likanathetsedwa mwa kupenda luso lamtengo wapatali. Ndikutsimikiza konse kuti zikukuwonetsani kuti sinali nthawi yabwino kugulitsa. N'zosadabwitsa kuti mutha kukhala ndi mwayi wopeza mapindu enanso pamalonda otsatira. Komabe, ndi chisankho chomwe chimangotengera inu, ndipo za mbiri yomwe mumapereka monga wochita ndalama zazing'ono komanso wapakatikati. Ndi njira zosiyanasiyana nthawi iliyonse.

Zowonongera

makomitiPanthawi yowerengera phindu lomwe lingakhalepo pamsika wogulitsa masheya, sitiyenera kungoyang'ana kusiyana pakati pa mtengo wogula ndi mtengo wogulitsa. Koma inunso muyenera kutero onjezani ma komisheni kuti ntchito iliyonse yosinthanitsa masheya ili nayo, komanso ntchito yosunga ana, komanso, ndalama zomwe zakonzedwa ku Treasure. Idzakhala njira yothandiza kwambiri kuwerengera phindu lenileni lomwe mupeze pazogulitsa.

Milandu ina imatha kukhala yocheperako, ndipo mwa ena simungakwanitse kulipira ndalama zamakampani ndi misonkho. Pomwe mapindu anu akuchulukirachulukira, zovuta zakulipiliraku zitha kuchepetsedwa. Muthanso kusintha malonda kuti mukwaniritse zomwe mukufuna.

Ndikofunika kuti musankhe chimodzi mwazinthu zambiri zomwe mabungwe azachuma akuthandizani kuti muchepetse ndalamazi. Osati pachabe, mutha kusunga mpaka 20% pamagwiridwe. Popanda kusiya chilichonse, kapena ntchito iliyonse. Zimakhala zachizolowezi kuti nawonso atha kusamutsa kwaulere m'mabwalo azachuma ochokera kumabanki ena. Komwe amabwera kudzapereka ndalama, zomwe zimatha kufikira ma euro pafupifupi 1.000.

Muyenera kupanga chisankho liti?

Idzakhala imodzi mwanthawi zopambana kwambiri mtsogolo mwanu ngati wogulitsa ndalama. Komabe, ndizovuta zomwe sizikudziwika kuti apange chisankho liti. Pali zokayikira zambiri zomwe zingadutse malingaliro anu, munjira ina. Mpaka kuti mukayikire kuti ndi mwayi wamalamulo omwe mudatumiza kumsika wazachuma.

Simuyenera kuchita izi chifukwa chachuma, kutali ngati yankho lolimbana ndi zina zomwe mumagwiritsa ntchito pachuma chanu: sukulu ya ana, ngongole zomwe mwachedwa kapena ngongole iliyonse kwa ena. Ndizosadabwitsa kuti izi zitha kuvulaza zokonda zanu, komanso kuposa momwe mukuganizira poyamba.

Kuti mupange ndalama bwino muyenera kukhala munthawi yochulukirapo pachuma. Izi zikutsimikiziridwa ndi azachuma ena ang'onoang'ono omwe achita zoyipa kwambiri m'mabungwe chifukwa cha mavuto azachuma omwe ali mu akaunti yawo yapano. Ayamba kutaya ndalama pamagulu awo atakhala ndalama zawo pakupanga phindu.

Zabwera kuti inu ndi amene muyenera kufotokoza njirazi zomwe takudziwitsani m'nkhaniyi. Imeneyi sikhala ntchito yosavuta, koma ndi chifuniro pang'ono ndipo zokumana nazo mudzatha kukwaniritsa zolingazo munthawi yayitali kwambiri. Tikukhulupirira, kuyambira pano, mudzakhala ndi mwayi wokhoza kugulitsa zachuma ndikupeza phindu lalikulu.

Malangizo asanu ndi atatu oyeserera

Kuyambira pano, sizidzapwetekanso kuitanitsa njira zingapo zosavuta kuchitira zomwe zidzakhale cholinga chofunikira kwambiri kuti tidziwitse nthawi yabwino kwambiri kutuluka m'misika yazachuma ndikupeza ndalama, ngakhale zitakhala zochepa. Kapena, m'malo mwake, dikirani kuti zolembedwazo zipite kumalo apamwamba kwambiri zomwe zingapangitse mayendedwe anu kusungika kukhala opindulitsa kwambiri. Kwenikweni adzakhala awa.

  1. Musagulitse konse pamsika wogulitsa, ngakhale kukhala ndi phindu lalikulu. Makamaka pamene ma graph ndi ziwerengero zomwezo zikuwonetsa kuti kuwunikanso kungapitilize mgawo lotsatira.
  2. Fufuzani fayilo ya okwera sabata ndi otsika chifukwa adzakupatsani chidziwitso chokwanira chazomwe zikhalidwezo zikutsatiridwa. Mwanjira imeneyi, kukwera kwamlungu ndikucheperako kungakhale chisonyezo chotsitsa malo ogulira.
  3. Tengani ena zolinga zomveka osasinthasintha pochita maudindo, kutengera nthawi yomwe mukufuna kuthana nayo: kuchuluka kwa phindu, zotayika zomwe mungaganizire, ndi zina zambiri.
  4. Ir kusonkhanitsa malo pamene gulu lakumwamba limalumikizana ndipo, mosiyana, limasintha malo kutengera mtengo wotaya mphamvu pamitengo yake ya tsiku ndi tsiku.
  5. Pamene Kupsinjika kwakunja ndikokwera kuposa wogula ikhala nthawi yoti musunthire kumsika wamalonda. Kusiya njira iliyonse yam'mbuyomu ndipo, ngakhale phindu lomwe likupezeka limakhala laling'ono kwambiri.
  6. Decantarte ndi malingaliro okonda chifukwa nthawi zonse amapereka chitsimikizo chachikulu kuti phindu likhoza kupitiliza ndi njira yawo. Mulimonsemo, muyenera kukhala tcheru ndi ma alamu aliwonse omwe akuwonetsa kuti mitengo yamasheya yakwera kwambiri ndipo zomwe zikuchitika, zitha kusintha m'masiku ochepa.
  7. Chochitika chilichonse chodziwika kapena chowonadi zitha kuwononga zokhumba zanu mukugulitsa. Simudzachitanso mwina koma kukhala agile kwambiri ndikuyembekezera mayendedwe.
  8. Ndipo potsiriza iwe sungakhoze kuiwala izo ndibwino kuti mupeze ndalama zochepa kuposa kulemedwa mtsogolo. Izi zakhala zikuvutika ndi azimayi ambiri, ngakhale akatswiri kwambiri pamsika wamsika.

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.