Malangizo Othandizira Kuphatikiza Ndalama

kusiyanitsa Chimodzi mwazifungulo zomwe muyenera kuteteza magwiridwe antchito anu mosakayikira ndizosiyanitsa ndalama zanu. Chifukwa mukatero, mudzangokhoza kutero kulimbikitsa phindu kuchokera momwemo. Ngati sichoncho, zikuthandizaninso kukhala ndi zovuta zina pamsika wamsika. Pomwe chiwopsezo chachikulu chomwe muli nacho ndi chakuti onse mayendedwe kuti mwatsegula nthawi yomweyo. Kuphatikiza apo, ikhala njira yosavuta kuyigwiritsa ntchito ndipo ili yotseguka kwa mbiri yonse yazogulitsa zazing'ono ndi zazing'ono.

Chifukwa chomwe chili ndikuti simusungitsa ndalama zanu zonse mudengu limodzi lazachuma. Koma, mumagawa pakati pa mitundu yosiyanasiyana yazachuma ndipo bwanji osatero mwa zinthu zosiyanasiyana zachuma. Kuchokera pazachidziwikire kwambiri kwa iwo omwe ali ndi zoopsa zazikulu pantchito yawo. Kuphatikiza kwawo kumatha kukubweretserani zabwino zambiri kuyambira pano. Mpaka kuti musinthe ndalama zomwe mudzapeze pa ndalama zanu. Ndicholinga choti pambuyo pa zonse mudzakhala mukuyang'ana kuyambira pachiyambi.

Chimodzi mwamaubwino omwe dongosololi limatanthauza ndikuti zidzakuthandizani kusankha mayankho osiyanasiyana. Zina mwazikhalidwe, koma zina zoyambirira ndipo ngakhale atakhala opanga nzeru zatsopano. Kuti maubwenzi anu ndi dziko lazandalama akhale okwanira kwambiri kuposa pano. Muyenera kuyika chidwi pang'ono komanso koposa zonse kuti muchite ndi kuwongolera koyenera. Ndikutsimikiza kotheratu, zikhala zofunikira pazotsatira zabwino zomwe mungapeze kuchokera ku njirazi.

Sakanizani ndalama

ndalama Zachidziwikire kuti zikhala zofunikira kusiyanitsa ndalama zomwe mumapanga mitundu yosiyanasiyana yazachuma. Chinsinsi chakuchita bwino ndikuti mutha kuphatikiza ndalama zomwe mumapeza ndi ndalama zomwe mungakhazikitse, ngakhale ndi mitundu ina monga njira yoyenera kutetezera ndalama zanu kuyambira pachiyambi. Muli ndizosiyanasiyana, zochulukirapo monga zojambula zopangidwa ndi mabungwe azachuma. Kumene muyenera kungofufuza ndikuzindikira zomwe zikugwirizana ndi zomwe mumakhala ngati ogulitsa masheya.

Imodzi mwanjira zothandiza kwambiri zoperekedwa ndi msika wachuma zimachokera ndalama za ndalama. Chifukwa ndi chinthu chomwe chimalola kuti chuma chilichonse chilumikizidwe mofananira. Ndi mwayi womwe muli nawo ndalama zambiri zoti musankhepo ndikuwonetsa izi. Izi ndi mitundu ya kasamalidwe komwe kamapangidwa ndi mabungwe omwe amayang'anira kupanga ndalama zapaderazi. Ngakhale atumizidwa kuchokera ku ndalama zina kupatula yuro: dollar, francs kapena yen ya Japan.

Ndalama zogulitsa zomwe zimasakaniza chuma chambiri zimakhala ndi zabwino zingapo pakusintha ndalama. Mwa zina, kuti zotayika zanu zizikhala zochepa pazinthu zabwino pamisika yazachuma. Kuti mwanjira imeneyi mutha kugwira bwino ntchito pazochitika zonse. Imodzi mwa mitundu yomwe imagwira bwino ntchitoyi ndi ndalama zosakanikirana. Amagwirizanitsa mitundu yonse ya ndalama, osataya mwayi wamalonda. Kuchokera pamawonekedwe onse: mwamakani, podziteteza kapena wapakatikati.

Lembetsani zamalonda zamabanki

Njira ina yosinthira ndalama zanu ndikusunga ndalama kubanki kutali ndi ndalama zoyera. Kusungitsa nthawi, zolembera kubanki kapena maakaunti omwe amapeza ndalama zambiri ndi ena mwa iwo. Chopereka choyamba chachitsanzo chachisungochi chimachokera poti chimakupatsani ndalama zokhazikika chaka chilichonse. Malipiro anu sadzakhala okwera kwambiri, koma osataya ndalama kugwa kulikonse. Ndizosangalatsa zomwe sizingapitirire kuchuluka kwa 2%. Idzakhala njira yodziletsa kwambiri, koma mulimonse momwe zingakhalire ndizokhazikika pazochitika zanu. Makamaka misika yachuma ikawonetsa kusatsimikizika kwakukulu.

Mutha kugawa gawo lazomwe mwasunga kuzinthu izi kubanki kuti musiyanitse magwiridwe antchito. Kuphatikiza apo, ndi mitundu yosavuta yosungira ndalama kuti mulembetse zomwe sizikusowa chidziwitso chapadera kumbali yanu. Ngakhale nthawi zambiri mumayenera kudikirira kuti ntchito yawo ithe kuti phindu lipite kuakaunti yanu yoyang'anira. Ndikutsimikiza kwathunthu kuti mudzakhala ndi chitsimikiziro chobwezera pa zomwe mwasunga. Nzosadabwitsa kuti ndizo zinthu zomwe ndalama za makolo kapena agogo anu zimayendetsedwa kuti zizipindulitsa.

Izi ndizotsika mtengo kwambiri mabanja onse. Chifukwa amatha kulembedwa ntchito kuchokera ku ndalama zochepa kwambiri. Mwachizolowezi kuchokera pazopereka ndalama kuchokera ku 1.000 euros. Ndimasinthidwe osiyanasiyana kutengera zosowa zanu zenizeni zolipira ndalama kuyambira nthawiyo. Ngakhale mudzakhala ndi vuto lomwe simudzatha kuwaletsa pasadakhale, chifukwa ngakhale mabanki amatha kuyitanitsa izi zomwe zili pafupi ndi 2%.

Pitani kumalo ena akunja

internacional Chinsinsi china chosinthira ndalama zanu ndichakuti musangokhala ochepa m'misika yadziko. Mutha kugwiritsa ntchito mwayi wokankha malo ena ogulitsa kuti muwonjeze kuchuluka kwa akaunti yanu. Chifukwa, potero, mudzakhala ndi mwayi wotsegulira mwayi wamabizinesi atsopano omwe amapezeka m'malo ena azachuma padziko lonse lapansi. Osati zokhazokha, komanso kuchokera ku ndalama zokhazikika. Koma koposa zonse kudzera mu mitundu ina yazogulitsa: zopangira, zitsulo zamtengo wapatali, ndi zina zambiri.

Chimodzi mwazotsatira za njirayi ndikuti mudzakwanitsa kufikira komwe mungapeze ndalama zanu. Ndipo chifukwa cha iwo, kuthekera kwakukweza mayendedwe anu kudzawuka kwambiri poyerekeza ndi mitundu ina yazachuma. Ndizowona kuti Muyenera kukhala pachiwopsezo chachikulu, koma ndiye zolipira zomwe mudzayenera kulipira kuti mukhale ndi chidwi chachikulu pazonena zanu zokhudzana ndi dziko lazandalama. Kufikira misika yachuma yomwe mpaka zaka zingapo zapitazo inali yosatheka konse. Kuyambira tsopano mutha kusankha mtundu wina.

Muli m'misika yaku United States imodzi mwamisika yabwino kwambiri kuti izi zitheke. Ndi mwayi wopita kumsika wamatekinoloje komwe makampani abwino kwambiri amabizinesi awa akuphatikizidwa. Kapenanso misika yaku Asia pomwe mikhalidwe yawo ikufuna. Ndi njira yopindulitsa kwambiri kwakanthawi kachuma chadziko lonse lapansi. Mpaka pomwe mutha kukonzanso mbiri yanu yazachuma nthawi ndi nthawi. Kupititsa patsogolo chiyembekezo chanu pakukula kwa ndalama.

Sankhani mtundu woyang'anira woyang'anira

Mosakayikira, magwiridwe awa adzakupatsani chisangalalo choposa chimodzi kuyambira pano. Kodi mukufuna kukwaniritsa chiyani? Chabwino, china chophweka monga kusinthira zochitika zonse zomwe zingatheke, ngakhale zopindulitsa pang'ono pazofuna zanu. Ndalama zogulitsa ndiomwe amatenga njirayi. Kuti mamenenjala omwe ali ndi udindo wosintha chuma kutengera momwe msika ulili. Ndi kuwunikanso kwakanthawi kwamapulogalamu azogulitsa. Monga njira yokhayo yowonjezerera ndalama kubizinesi.

Nthawi iliyonse, ndalama zokhazikika kapena zosinthika zimatha kukwezedwa, posankha mwayi wabizinesi wabwino nthawi iliyonse. Ngakhale kuthekera kwa kuzungulira ma euro. Kupewa mayendedwe osafunikira chifukwa chamitengo yazachuma yapadziko lonse lapansi. Mulimonsemo, ndichitsanzo chomwe chiwonetsero chowonjezeka cha omwe akugulitsa ndalama akufuna. Oyang'anira thumba ndi omwe amayang'anira ntchitozi. Simudzasowa kuchita kalikonse, chifukwa amatchedwa ndalama zogwirira ntchito.

Osayika ndalama zonse

dinero Kusintha kuyeneranso kuthandizidwa ndi ntchito zopangidwa ndi gawo lofunikira kwambiri pazakusunga kwanu, koma kusiya zina muakaunti yanu yowunika. Choyamba, chifukwa kuteteza malo anu poyang'ana kusakhazikika pamisika yazachuma. Komanso kukhala ndi mwayi wogwiritsa ntchito mwayi wamabizinesi womwe udzawoneka posachedwa miyezi ikubwerayi. Kuti izi zitheke, simudzachitira mwina koma kusiya zipolopolo kuti mupititse patsogolo ntchito yanu.

Kuchuluka kwa ndalama zanu ziyenera kukhala zomwe zikugwirizana ndi mbiri ya omwe mukutsatsa omwe mukuwapatsa. Sizingafanane ndi wopulumutsa mwamakani kuposa wina woteteza bwino. Muyeneranso kudzifunsa kuti kodi kuchuluka kwa ndalama zomwe mudzakumane nazo miyezi yotsatira. Ndi cholinga chosagwera pachiyeso chakuyendetsa bwino ndalama. Kuchokera kuzosowa zanu kuti mupeze ndalama zolipirira ndalamazi.

Zimalimbikitsidwanso kuti gawani ndalama zomwe mwasunga molingana ndi zinthu zosiyanasiyana zachuma osankhidwa. Pansi pamagawo omwe mumawona kuti ndi oyenera kuteteza zofuna zanu. Komwe gawo lanu locheperako liyenera kupita kuzinthu zomwe zimakhala pachiwopsezo chachikulu. Ndi gawo lochepa zikhala zokwanira kukwaniritsa izi. Chifukwa ndipamene mutha kutaya ndalama zambiri ngati ndalama sizikukwaniritsa zoyembekezera zomwe zidapangidwa kuyambira pachiyambi.

Ngati mumvera ena mwa malangizowa, musakayikire kuti ndalama zanu zidzayenda bwino kuyambira pano. Ndi mwayi waukulu wokolola ukukwera. Ngati sichofunikira kwenikweni, inde osachepera kuti muwone bwino bwino mu akaunti yanu yosungira. Mpaka pomwe mutha kulipira ndalama zosamvetseka.


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

Ndemanga, siyani yanu

Siyani ndemanga yanu

Anu email sati lofalitsidwa. Amafuna minda amalembedwa ndi *

*

*

  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.

  1.   Eduardo Ernesto Garay anati

    Monga ngati kugwa mu Argentina. Nthawi yokhazikika imakhala ndi 49% pachaka. Kusungitsa masiku 30 kumapereka lendi, 4.28% pamwezi. Kuwerengera molakwika zakubwezeretsanso ndalamazo ndi chiwongola dzanja cha pamwezi chingatipatse 65.35% m'miyezi 12. Funso likadakhala, kodi phiri lopindulitsa ndalama zadziko lonse lingasungidwe bwanji ngati pali misa yayikulu kwambiri yomwe idayikidwa munkhalangoyi? Kuphatikiza apo, izi zitha kungosungitsa phindu la dipoziti pamlingo woyeserera popeza kutsika kwa ndalama zaku Argentina kudzakhala pafupifupi 58 mpaka 64% pankhani yazogulitsa zomwe zimagulitsidwa pamsika wanyumba komanso kutsika kwa boma kwa 49 mpaka 54% pachaka.