Kufunika kopulumutsa

kufunika kopulumutsa

Malinga ndi zomwe zidasindikizidwa ndi Nyuzipepala ya National Institute of Statistics (INE) Mwa ma 100 Euro omwe amalowa m'mabanja aku Spain, ndi 6,5 okha mwa iwo omwe amagwiritsidwa ntchito kupulumutsa kudzera muzinthu zandalama monga ndalama zapenshoni, mabanki osungira kapena madipoziti. Ndipo ndikuti chizolowezi chofunikira nthawi zambiri chimatha kuimitsidwa ndi zolipirira tsiku ndi tsiku, ulova kapena malipiro omwe salola kuti azipeza ndalama mwakachetechete.

Akuyerekeza kuti pafupifupi 58% ya anthu aku Spain amalowa munjira zosiyanasiyana kuti atuluke pamwezi. Ngakhale sitingakane kuti kwa anthu ambiri zimakhala zovuta kukhala ndi chuma pazifukwa zosiyanasiyana, ndizowona kuti nthawi zonse pamakhala njira ndi njira zoyambira kupulumutsa, osatchulapo zabwino zambiri zomwe zimadza chifukwa chokhala ndi gawo lazachuma zadzidzidzi kapena pantchito.

Bwanji kupulumutsa?

Ngati muli ndi ndalama zokhazikika zomwe zimakupatsani mwayi wopeza zosowa zanu popanda vuto lililonse, mutha kuwona kupulumutsakapena ngati china chosafunikira ndipo chingangokuchotsani ndalama zomwe mungagwiritse ntchito mwachangu. Komabe, kusunga ndalama sikungokupatsani mwayi wopeza phindu kwakanthawi, komanso mutha kupeza chizolowezi chomwe chingakuthandizeni kugona mwamtendere podziwa kuti mukupanga matiresi azachuma omwe angakuthandizeni ngati kuli kofunikira.

Sitiyenera kuyiwala kuchuluka kwa ulova komwe kumakhudza mtundu wa anthu masiku ano, osanenapo zovuta zakukhala nthawi zonse kutengera makhadi kapena ngongole zanu. Sungani Ikuthandizani kuthana ndi zopinga zachuma zomwe mungakumane nazo m'moyo wanu, ndikukulolani kuti maloto anu ndi mapulojekiti anu akwaniritsidwe osakhala ndi ngongole kwa zaka zambiri ndikumalipira zambiri kuposa momwe muyenera.

Ubwino wosunga

  • Mapulani osunga kwakanthawi monga penshoni adzakuthandizani kuti mukhale okhazikika pazachuma ndikukhala moyo womwe umagwiritsidwa ntchito mukaleka kugwira ntchito. Kaya chifukwa cha ukalamba, matenda, kuvulala, ulova, kapena chifukwa china chilichonse, nthawi zonse zimakhala zabwino kukhala ndi zosunga zobwezeretsera zomwe zimakupatsani mwayi wokhala mwamtendere.
  • Simusowa kudalira chiwongola dzanja ndi zolipiritsa kuti mukwaniritse ntchito zanu, chifukwa mutha kuzilipira ndalama ndi ndalama zanu. Zosankha zofunika kwambiri pamoyo wanu monga maphunziro anu aku yunivesite, ukwati wanu, nyumba yanu kapena zinthu zina zilizonse zitha kukhala zanu mukayamba kupulumutsa mwachangu komanso moyenera momwe mungathere.
  • Nthawi zonse mudzakhala okonzekera zoopsa. Tsoka ilo palibe aliyense wa ife amene ali womasuka kukumana ndi ngozi, matenda, kapena zina zilizonse zomwe zimatipangitsa kukhala osatetezeka pachuma. Umu ndi momwe sitingakane kuti kukhala ndi zosunga zobwezeretsera kudzatilola kugona mwamtendere usiku, podziwa kuti tili otetezedwa.
  • Kusunga ndikosavuta kuposa momwe mungaganizire, ndipo mudzawona kuti simufunika kudula ndalama zambiri kuti muzitha kuchita bwino.

Momwe mungayambire kupulumutsa?

kufunika kopulumutsa

Pamawoneka poyamba kuti kupulumutsa ndi ntchito yosatheka yomwe ndi anthu okhawo omwe amapeza ndalama zambiri. Chowonadi ndichakuti sizili choncho, ndipo anthu onse atha kuphunzira kusunga ndalama, zimangofunika kudziwa komwe ndalama zathu zikupita ndikuphunzira kudzipanga tokha njira yosavuta komanso yothandiza yoperekera gawo la ndalama zathu ku ndalama popanda kunyalanyaza zolipira zathu pamwezi kapena moyo wathu.

Apa tikufotokozera momwe mungakwaniritsire izi:

Paokha

kufunika kopulumutsa

Kusunga sikofanana ndi kudula ndalama, koma kuwongolera m'njira yomwe ingakhale yothandiza kwambiri kwakanthawi kochepa komanso kwakanthawi. Sintchito yovuta ndipo mungofunika pensulo ndi pepala kapena spreadsheet kuti mumphindi zochepa mutha kupeza ndalama zanu pamwezi ndi chaka.

Tsatirani njira zomwe tafotokozera pansipa kuti tikwaniritse:

  • Gawo loyamba pakupanga ndalama zanu ndikulemba ndalama zomwe tili nazo pamwezi. Titha kutanthauzira ndalama ngati ndalama zomwe munthu amapeza posinthanitsa ndi ntchito yake kapena ngati chinthu chobwezera phindu lomwe wapanga. Ndiye kuti, onse ndi ndalama zomwe timapeza pamwezi.
  • Kenako tidzalemba zonse zomwe tikufunikira kuti tikhale ndi moyo wamba zomwe sitingathe kuchita, monga renti, kubweza ngongole, kulipira galimoto mwezi uliwonse, kulembetsa, ntchito zapakhomo, ndi zina zambiri. Izi ndiye ndalama zosasinthika, ndipo mwezi uliwonse zimakhala zofanana kapena zimasiyana pang'ono.
  • Pambuyo pake tidzalemba ndalama zomwe timagwiritsa ntchito koma zomwe sizofunikira tsiku lililonse, monga maulendo, kugula zinthu, mphatso, zosangalatsa, kapena nyerere. Zomalizazi ndizo ndalama zomwe sitimaganizira chifukwa ndizochepa kwambiri, koma zomwe zimapezedwa zitha kuwonjezera pazambiri. Ndalamazi zimadziwika kuti ndizosintha chifukwa posazilingalira ndizosiyana mwezi ndi mwezi.
  • Pomaliza, lembani ndalama zonse zomwe mumayenera kulipira pachaka ndipo ndizofunika. Izi zitha kukhala kulipira kwa inshuwaransi, ndalama zomwe mumapeza, kapena tchuthi ngati mukuwona kuti ndizofunikira. Gawani ndalamazi ndi 12 ndikuziwonjezera pamndandanda.
  • Onjezerani ndalama zanu zonse, ndalama zomwe mumagula mosinthasintha, ndi zotsatira za zomwe mumagula pachaka ndi 12. Yerekezerani ndi zomwe mumapeza mwezi uliwonse.

Ngati mwawona kuti ndalama zomwe mumagwiritsa ntchito ndizochuluka kuposa zomwe mumapeza, zikuwoneka kuti mumakhala mogwirizana makadi a ngongole ndi ngongole zaumwini. Ngakhale zida izi ndizothandiza kutuluka pamavuto nthawi ndi nthawi, sikulangizidwa kuti tizikhala tikudalira nthawi zonse kuti zipulumuka, chifukwa tizingokweza ngongole yomwe pang'ono ndi pang'ono idzakhala yovuta kwambiri kulipira.

Yakwana nthawi yoti muunike mndandanda womwe mwangopanga ndikusankha zomwe mungachite popanda kuwongolera ndalama zanu kuti musungire ndalama. Njira yabwino yoyambira ndikuwunika kuchuluka kwa ndalama zomwe mumagwiritsa ntchito podyera, kuchuluka kwa ndalama zomwe mumagula mwakufuna kwanu kapena zinthu zomwe simukufuna kwenikweni, kapena ndalama zomwe mumagwiritsira ntchito zosangalatsa. Mudzawona kuti ndi miyezi ingapo yokha yomwe mumapereka zinthuzi mutha kulipira ngongole zanu ndikuyamba kusunga bwino.

Muyeneranso kuchita zomwezo ngati ndalama zomwe mumagwiritsa ntchito ndizofanana kapena zochepa kuposa zomwe mumapeza, ndizosiyana pomwe mutha kuyamba kupanga gawo lomwe mumamvera nthawi yomweyo komanso lomwe mumayika nthawi yomweyo muakaunti yosungira pakadali pano kuti mulandire malipiro anu. Pang'ono ndi pang'ono mudzawona momwe akauntiyi imakula ndikukhala njira yothandiza komanso yothandiza kuthana ndi vuto lililonse lomwe mungafune ndalama zadzidzidzi kapena kuti ntchito zonse zomwe mukufuna kuti zichitike, monga kupeza nyumba yanu, kusintha galimoto yanu, pitilizani ndi maphunziro anu kapena chilichonse chomwe mungafune.

Kudzera mwa chida chodziwikiratu chachuma

Ngati ndinu wolipidwa, muli ndi mwayi wofunikira popeza mutha kulemba amodzi mwa ambiri zida zachuma likupezeka pamsika zomwe zingakuthandizeni kukhala ndi chizolowezi chosunga ndalama osazindikira. Zolinga zodziyimira zokha zimagwira ntchito potenga ndalama zomwe mumakhazikitsa kale, ndikuziyika muakaunti yomwe mutha kungopeza pazinthu zina, monga ulova, mwadzidzidzi kapena kupuma pantchito.

Zowonadi muntchito yanu iwo ali kale ndi dongosolo lofananalo momwe mukulembera kale kapena momwe mungatchulire pongofunsa. Ngati sichoncho, mutha kupita kubanki yomwe imayang'anira malipiro anu kapena china chilichonse chomwe mumadalira, muwona momwe mungapezere zosankha zambiri komanso chidwi chomwe mungasankhe posankha ndalama zomwe zikugwirizana ndi vuto lanu.

Ndibwino kuchita njira zonse ziwiri zopulumutsa, kulekanitsa ndikugawaniza zomwe mumagwiritsa ntchito pamwezi nthawi yomweyo kuti mupeze ndalama zokhazokha monga tafotokozera pamwambapa. Mudzawona kuti njira ziwirizi zisintha kwambiri pazachuma chanu.

Malangizo omaliza opulumutsa

kufunika kopulumutsa

• Ngati mukukumana ndi vuto lomwe simungathe kusiya kulipira chilichonse, ikani patsogolo zinthu zomwe ndizofunikira kwambiri. Mwina simungapewe kulipira lendi, koma mutha kulembetsa ntchito yotsika mtengo yolumikizira intaneti. Zingakhale kuti simungathe kulipira ndalama zolipirira galimoto mwezi uliwonse, koma ngati mungayende nthawi zonse mukapita kumalo ena pafupi kukachita masewera olimbitsa thupi, thandizani chilengedwe ndikusunga ndalama.
Komanso onaninso chilichonse mwa zinthu zomwe zimakusangalatsani. Mosakayikira mupeza zinthu pamndandanda wazogula zomwe simumafunikira ndipo zomwe zimatha mu furiji yanu. Mudzawona kuti mupeza njira zambiri zochepetsera ndalama zanu ndikuyamba kusunga bwino.


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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.