Kodi mukufuna kupanga dongosolo lazachuma? Lowani malingaliro ena

ndondomeko ya ndalama Chimodzi mwazolinga zazikulu za wogulitsa aliyense, monga momwe zidzakhalire ndi inu, mosakayikira ndikupanga dongosolo lazachuma moyenera. Ndi njira yomwe imafunikira chidziwitso chochuluka kumbali yanu. Koma za chisankho kuti muchite bwino. Osati pachabe, mzere uwu udalira pa momwe maakaunti anu alili mzaka zingapo zikubwerazi. Ngakhale kukhala momasuka kwambiri kuposa kale.

Zachidziwikire, gawo lalikulu la anthu aku Spain liyenera kupanga mapulani oyenera, opindulitsa, ngati zingatheke, atha kukupatsani chitetezo mbiri yazachuma. Chifukwa zidzakhala zofunikira kuti mudziwe izi sizingakhale zochepa pazachuma chimodzi. Koma mwanjira zingapo komanso zamitundumitundu, ngakhale kuchokera pamitundu ina yomwe mpaka pano simunaganizirepo zokhala m'malo. Kuti mukwaniritse izi zomwe mwakhala mukuziyembekezera kwanthawi yayitali, mudzakhala ndi njira zingapo zomwe zingakhale zopindulitsa kukwaniritsa zolinga zomwe mukuganiza pafupipafupi.

Chifukwa chakuti, mafunso omwe mungadzifunse ndi m'mene mungayambitsire kukonzekera dongosolo lazachuma. Kukuthandizani kupanga izi, tikukupatsani lingaliro kapena awiri omwe angakhale othandiza kwambiri pamaubwenzi anu ndi misika yazachuma. Osangopeza ndalama zokha, koma komanso kuchokera pakusintha, mitundu yazandalama kapena njira zoyambirira kwambiri zomwe zikupezeka mu banki yapano. Mudzakhala ndi malingaliro opitilira umodzi kuti musamachepetse magwiridwe anu ntchito pagulu limodzi lamalingaliro azachuma.

Ndondomeko yazachuma: chifukwa chiyani?

penshioni Vutoli lidzathetsedwa ndi kufunikira kwakukhala ndi banki yayikulu yosungira ndalama pazaka zikubwerazi. Ngakhale mutapitirira zaka 40 muli ndi cholinga china. Palibe wina koma amatumikira kuti muthe kulimbana ndi gawo la pantchito ndi mpumulo wachuma munthawi imeneyi yomwe mudzataya mwayi wogwira ntchito mwakhama. Itha kupangidwira kuti munthu azisunga ndalama mosasamala, wankhanza kapena wapakatikati. Kuti mukwaniritse zosowa zanu zonse.

Pali zinthu zambiri zomwe zitha kuchitika kwanthawi yayitali. Kuyambira anthu enieni: kusowa kwa ntchito, ngozi za akatswiri kapena momwe misika yazachuma ilili. Zidzakhalanso zosangalatsa kwambiri kwa inu kukhala ndi zolinga zomwe zili zenizeni zomwe zitha kukwaniritsidwa popanda zovuta zambiri. Mulimonsemo, popanda njira zomveka komanso kuti kuposa kukuthandizani, zomwe angachite ndikukuvulazani pantchito zomwe muitanitsa kuyambira pano.

Komwe kovuta kwambiri kudzakhazikitsidwa poyambira njira yothandiza kwambiri kuteteza zofuna zanu mumisika yazachuma. Mungaganize chiyani pobwerera kwakanthawi kokhazikika mozungulira 5% chaka chilichonse? Inde, sizotheka konse. Makamaka ngati mugunda kiyi woyenera ndi kuthekera koyang'ana kumbuyo Zokwanira zokwaniritsa zolinga zanu zaposachedwa. Tikufunsani lingaliro lina kuti muthe kugwira ntchito ndi chuma chilichonse.

Ndikupanga dongosolo ndikusankha

Gawo loyamba ndikukhala kuti mupanga ndalama zenizeni nthawi yanji. Kutengera izi, mutha kusankha njira imodzi yolumikizirana ndi chuma. Zitha kutero m'masiku ochepa patsogolo, ndi nyengo ya zaka ziwiri, zitatu kapena mpaka zisanu kapena kupitilira penshoni yomwe mudzalandire mukadzapuma pantchito. Kuti mudzifunse nokha ndi chisankho chachikulu kodi magwero azachuma ndi ndalama ndi ati? Kotero kuti mwanjira iyi, muli m'malo abwino oti musankhe tsiku limodzi kapena lina. Ichi chidzakhala chiyambi cha zomwe zichitike kuyambira pano.

Kusanja mndandanda wazomwe mungapeze kumafunikira kuti mupereke nthawi yokwaniritsa ntchito yofunika iyi. Zachidziwikire kuti zikhala zofunikira kutero kuwerengetsa ndalama zomwe zimachokera kumagwero osagwirizana ndi zomwe mwapeza. Amatha kukhala ntchito zowonjezerapo zomwe muli nazo pakadali pano, bizinesi iliyonse, kapena ndalama zilizonse zomwe mungapeze kuchokera kubanja lanu. Ndipo monga chinthu chodziwikiratu chomwe chimachokera ku cholowa kapena ndi munthu wamwayi pamphotho yamasewera amwayi.

Simungachitire mwina koma kuwachotsera pazomwe mumagwiritsa ntchito pazachuma chanu. Kuchokera pamalisiti azithandizo zazikuluzikulu ndi zinthu zakumwa kuti mumire kupita kuzambiri. Kumene misonkho, inshuwaransi ndi zina zonse zomwe sizikuwonetsedweratu mu bajeti yanu kapena yabanja zimaphatikizidwa. Ndi kuwerengera kosavuta kumeneku mudzakhala muli nazo kale ndalama zomwe mungagwiritse ntchito pazachuma chanu, kapena makamaka khazikitsani mwachangu ndondomeko yachuma yovuta. Osati pachabe, kodi mudzawongolera kuti zisudzo zanu zapafupi kwambiri.

Kodi muli ndi zosowa ziti?

Gawo lotsatira la zochitikazi liyenera kukhazikitsidwa makamaka pa fotokozani momveka bwino kristalo kuti zolinga zanu ndi ziti. Chifukwa chakuti, nthawi zonse azisinthana ndipo mwanjira inayake amatsutsidwa. Mutha kusankha pamtundu wankhanza kwa ena omwe ali ndi njira zambiri. Ngakhale munthawi zonsezi, ndi cholinga chofananira chomwe sichina koma kupangitsa kuti phindu lisungike pansi pazopeza bwino kwambiri. Ngakhale ndizowona kuti m'malo ena, zimakhala zovuta kuthana nazo. Makamaka m'malo ovuta kwambiri chifukwa chamsika wamsika. Ndi mphindi zokayikira zambiri pazomwe muyenera kuchita.

Musanayambe kukonzekera dongosolo lazachuma, zidzakhala zothandiza monga momwe muliri zambiri pazinthu zachuma, mwayi waukulu wokhala ndi kusanthula kozama kwazomwe mukuyenera kugwiritsa ntchito kuyambira pano. Kudziwa nthawi zonse kuti palibe njira yotetezera. Muyenera kukumbukira kuti zinthu zimasintha, komanso makamaka m'misika ndi chuma. Pachifukwa ichi, ndikofunikira kuti muwonenso ndikusintha mapulani azachuma nthawi ndi nthawi. Zachidziwikire, iyi ndiye njira yolondola kwambiri yotetezera ndalama zanu moyenera.

Kufotokozera dongosolo lazachuma

chitukuko Mukakhala ndi dongosolo lazachuma, dziwani kuti zovuta sizinathe. Koma padakali njira yayitali yoti mukwaniritse zolinga zanu zaposachedwa. Kuti izi zitheke, sipadzakhala kuchitira mwina koma kukhalabe osamala ndikulangizidwa kuti mugwiritse ntchito zomwe mudzagwiritse ntchito pokweza ndalama zanu. Ndi kutsatira kutsatira mosalekeza ndi kulanga za mayendedwe omwe amapezeka kudzera muzachuma. Ndiye kuti, ndikukhudzidwa kwambiri ndi mayendedwe onse omwe mwatsegula. Makamaka ngati amapangidwira mawu achidule kwambiri.

Ngati, m'malo mwake, cholinga chanu ndikupanga thumba loti mudzasungire ndalama mukadzapuma pantchito, ndiye kuti kudzakhala kofunika kwambiri kuti muwone kusiyana pakati pa ndalama zomwe mumapeza ndi zomwe mumagwiritsa ntchito kuti mupereke zina zonse kuzogulitsa. Ngakhale siziyenera kukhala ndalama zonse zomwe zimachitika chifukwa cha ntchitoyi. Mutha kuyika gawo locheperako, kutengera zosowa zomwe muli nazo panthawiyo. Sizingafanane nthawi zonse popeza ndalama zanu zimatha kusintha nthawi iliyonse. Mwanjira imeneyi, zidzakhala zofunikira kwambiri kuti mutha kuzisintha kutengera momwe akaunti yanu ikuyendera.

Sipadzakhala kuchitira mwina koma kukwaniritsa zofunikira zingapo ngati mukufuna kukwaniritsa zolinga zomwe zidakhazikitsidwa kuyambira pomwe ntchitoyi idayamba. Ngati ndizolumikizana ndi ndalama zokhazikika, ndalama, zinthu zachuma, ndi zina zambiri. Chifukwa, momwemonso, aliyense wa iwo azidzapereka ndalama zawo. Zosintha zonsezi zikuwonetsa kuti muyenera kupereka magwiridwe antchito mosinthasintha kwakukulu kuchokera pachitsanzo cha ndalama chotchedwa chuma. Ndiye kuti, amasinthidwa mogwirizana ndi misika yonse yazachuma.

Chinsinsi chokhala ndi njira

makiyi Mwanjira iliyonse, zingakuthandizeni nthawi zonse ngati muli ndi zina zolinga zochepa kuchokera komwe likulu lanu likupezeka. Kukuthandizani pantchitoyi tikukupatsani malingaliro ochepa omwe angakhale othandiza kuti mugwiritse ntchito. Monga zotsatirazi zomwe tikukufotokozerani pansipa.

  1. La zaka chikhala chofunikira kwambiri pokonzekera zopereka zanu ku dongosolo lazachuma. Komwe mumayambira koyambirira, mudzakhala ndi ndalama zochulukirapo muakaunti yanu pazaka zambiri.
  2. Mutha kusankha mapulani azachinyengo ngati mulibe nazo vuto kutenga chiopsezo. Ndizosadabwitsa kuti ndi njira yabwino kwambiri yowonjezera ndalama. Pamwamba pamitundu ina yazachuma.
  3. Kuti mupange dongosolo lazachuma muyenera kuyembekezera ndalama zomwe mudzakhale nazo zaka zingapo zikubwerazi. Kupewa zochitika zilizonse zosafunikira zomwe mulibe ndalama zokwanira kuthana nazo.
  4. Lingaliro losankha munthu nthawi zonse limakhala losangalatsa phindu lotsimikizika. Kuti mwanjira imeneyi, nthawi zonse mumapereka zina mwazinthu zomwe mumasunga komanso osakhala pachiwopsezo chilichonse kumbali yanu.
  5. Mutha kudzifunsa nokha pitani ku misika ina yazachuma komwe kungapindule kwambiri kusungitsa ndalama. Koma zidzakhala zofunikira kwambiri kuti mudzidziwitse nokha za mabungwe omwe azamalamulo azachuma amakukhudzani.
  6. Muyenera kukhala omveka bwino kuti sizofanana kupanga pulogalamu yanu yazaka zingapo zikubwerazi kuposa kusankha a konzani ntchito yanu yopuma pantchito. Ndizosadabwitsa kuti, ndi njira zosiyaniranatu zomwe zingafune ndalama mosiyanasiyana.
  7. Osati chifukwa choti mumakonza dongosolo lazachuma muyenera kupanga phindu. Chifukwa, zitha kuchitika Zotsatira zake ndizosavomerezeka ndipo mutha kutaya ndalama pantchitozi. Mwachitsanzo, muzochitika zina zachuma.

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

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