Kodi mungapindule bwanji ndi makhadi omwe ali patchuthi?

kugwiritsa ntchito makhadi patchuthi Mudzakhala ndi makhadi ena, kaya ndi mtundu wa ngongole kapena kubweza, mu chikwama chanu. Mwina simunazigwiritse ntchito pafupipafupi. Koma zomwe simukudziwa ndikuti mutha kugwiritsa ntchito mwayi wolipirira tchuthi chanu chamawa. Ndipo mpaka  sungani ndalama zambiri pogwiritsa ntchito, komanso kuposa momwe mungaganizire poyamba. Ndipo koposa zonse, osasiya ntchito iliyonse kapena chithandizo.

Muyenera kukhala ndi khadi yoyenera masiku ano a tchuthi ndi abwenzi kapena abale. Ndipo mwazabwino zake atha kukudabwitsani ndi ntchito zambiri zomwe mudzakhale nazo nthawi iliyonse yomwe mudzalipira ndi iliyonse yamapulasitiki. Choyamba ndikuti simudzafunika kunyamula ndalama paulendowu, popeza mungathe kutaya ndalama kuma ATM ambiri, ngakhale mukakhala kunja.

Pochita izi muyenera kusankha banki moyenera, chifukwa ngati mutachita izi kwa wopereka makhadi sizikulipirani kalikonse, ndipo mwanjira imeneyi mudzapewa kulipira mabungwe okhumudwitsa. Ndizosadabwitsa kuti atha kupanga tchuthi chanu chotsatira kukhala chodula. Koma komwe mungazindikire zabwino zake ndikugwiritsa ntchito kwina, komwe Adzafotokozera kuchotsera, kuchotsera komanso mwayi wopezeka ndi kukwezedwa. Ndikofunika kuti muwadziwe kotero kuti chaka chino mutha kukhala ndi ndalama.

Kuchotsera pazoyendera alendo

mabhonasi a hotelo Mosakayikira, mbali iyi ndi imodzi mwazomwe mungakhale nazo paulendo wanu watchuthi. Makhadi ena, makamaka m'makhalidwe awo angongole, amakhala ndi zomwe amakhala nazo mzere wotsikira pazinthu zazikulu za alendo ndi zinthu. Amatha kupita mpaka 15%, ngakhale atakhala mitundu yankhanza kwambiri. Nthawi iliyonse mukamalipira ndi makhadi awa mutha kupindula ndi ma bonasi osangalatsa awa, komanso ntchito zina zowonjezera.

Zimakhudza phukusi la alendo, malo ogona, ntchito zopumira, mayendedwe, kubwereka magalimoto, ndi zina zambiri pamndandanda wazaka zambiri kutchuthi. Nthawi iliyonse mukasungitsa kusungitsa mwalamulo, kuchotsera kumayikidwa mwachindunji. Ndipo chifukwa cha njira yamalonda iyi, ndalama zomwe zimagwiritsidwa ntchito patchuthi chotsatira zidzakhala zochepa kwambiri, kutha kuzigwiritsa ntchito pazinthu zina kapena zolinga zina.

Mutha kugwiritsa ntchito mwayiwu chifukwa makadi ochulukirapo akugwiritsa ntchito ntchitoyi, monga momwe akuti mumalembetsera ndi ogwiritsa ntchito kubanki. Mudzangokhala nazo sankhani chitsanzo pulasitiki yomwe ikugwirizana bwino ndi zosowa zanu, komanso maubale anu ndi kumwa. Ndizosadabwitsa kuti mutha kusankha pamitundu yambiri yomwe ili ndi izi zomwe zimakupindulitsani.

Mabonasi pa mafuta

kuchepetsedwa pamtengo wamafutaNgati mugwiritsa ntchito galimotoyo ngati njira yopita kumadera ena, muyenera kudziwa kuti ena mwa makhadiwa ali ndi mwayi wopeza kuchotsera komwe mungapite nthawi iliyonse mukapita kumalo operekera mafuta kukapakira mafuta m'galimoto. Ziwerengero zawo sizodabwitsa monga momwe zidafotokozedwera kale, komabe mulandila kuchotsera pakati pa 1% ndi 4% popanga izi kuti zizigwirika bwino pamaulendo atchuthi.

Kumbali inayi, zoperekazo zikuphatikizanso njira zina zogulira m'malo operekera chithandizo pamunsi mwa magawo omwe nawonso ndi ovuta. Zimapangidwa ndi njira ina yolimbikitsira kusungira ndalama pamaulendo omwe muyenera kuchita munthawi yapaderayi. Ndipo izi siziyimira zopereka zina ndi kuchotsera komwe makhadiwa amapereka. Mwanjira ina iliyonse, amalumikizidwa ndi chizindikiritso chapadera, monga chilinganizo chosunga mwini wa njirizi.

Izi ndi njira zina zomwe amagwiritsira ntchito mapulasitiki olimbikitsira kugwiritsidwa ntchito, popeza ntchitoyi imangokhazikitsidwa pokhapokha kulipira ndalama kuchokera kuma kirediti kadi. Pankhaniyi, mitundu yambiri ikuphatikiza dongosolo la bonasi pazogula, pankhani yamafuta iyi. Kupanga njira yatsopano yolimbikitsira kusungira pakati pa oyendetsa.

Kutumiza ndalama zopanda chiwongola dzanja

Phindu lina lomwe mungapeze pakadali pano ndikuchepa kwa ndalama popanda kugwiritsa ntchito chiwongola dzanja chilichonse. Ndipo izi zimagwiritsidwa ntchito pazogula zambiri zomwe zimachitika nthawi ya tchuthi, m'malo akulu akulu ndi mabizinesi ena ang'onoang'ono. Amalola omwe amakhala nawo kuti achedwetse kubweza malonda awo munthawi yochepa, yomwe osadutsa 1 mpaka 3 miyezi. Ndipo izi zimathandizanso kupanga ngolo yotsatsira muma hypermarket.

Ngati malire a nthawi awa apyola malire, chiwongola dzanja chokhazikika chidzagwiritsidwa ntchito mwezi uliwonse. Kukula kwake kumayenda mosiyanasiyana kuyambira 12% mpaka 15%. Ndipo nthawi zonse, popanda ma komisiti kapena ndalama zina pakuwongolera kapena kukonza. Ndi ntchitoyi, ogwiritsa ntchito azitha kusintha bwino bajeti yawo yapanyumba, ngakhale atakhala patchuthi.

Komabe, ndi makhadi omwe nthawi zambiri amalumikizidwa ndi chizindikiritso kapena bizinesi. Ndipo kuti akhazikitse njira yawo malonda monga likulu lazamalonda pazipulasitiki izi. Kuphatikiza apo, nthawi zambiri amakhala aulere, ndipo nthawi zambiri samakhala ndi ndalama zowasamalira kapena kuwongolera. Ndipo amatha kupititsa kuzinthu zina za alendo: kusungitsa ndege, malo ogona, spa, ndi zina zambiri. Mutha kutenga nawo paulendo wanu wotsatira.

Momwe mungasamalire bwino makhadi?

Kodi mungagwiritse ntchito bwanji makhadi nthawi yotentha? Zachidziwikire kuti mukayang'ana chikwama chanu mupeza khadi yokhala ndi izi. Ndikosavuta kuti muzindikire kuti mukukonzekera musanayambe tchuthi. Pali zabwino zambiri zomwe mungapeze, koma muyenera kuzisamalira mosamala kwambiri kuti musalowe ngongole zochulukirapo ngati mukuzigwiritsa ntchito pafupipafupi.

Ili ndiye vuto lalikulu kwambiri ndi njira yobwezera yomwe tikukambirana. Simuyenera kuwazunza pakagwiritsidwe kake, ngati mukufunadi kuti muwagwiritse ntchito moyenera komanso mwanzeru. Ndipo kuti mukwaniritse zolingazi, simudzachitanso mwina koma kuitanitsa maupangiri angapo omwe timakufotokozerani pansipa.

  • Ngakhale zida zonse kuti muchepetse kulipira, muyenera kubweza ndalamazo, ndipo simuyenera kuchita ngongole zochulukirapo popeza bajeti yomwe mumakhala nayo mwezi uliwonse ikhoza kusokonekera.
  • Muyenera kugwiritsa ntchito makhadi awa okha pamene mumawafuna kwambiri, ndipo osatero chifukwa chokwaniritsa udindo kapena chizolowezi, popeza simudzachitira mwina koma kulipira chiwongola dzanja chambiri.
  • Njira zolipirira zitha kugwiritsidwa ntchito tulukani m'malo mopupuluma, koma osazigwiritsa ntchito pafupipafupi, komanso kulipilira ndalama zochepa kupulasitiki. Zitha kuwononga zokonda zanu mwa kutenga ngongole yosafunikira konse.
  • Muyenera kusankha mtundu womwe umakwaniritsa mbiri yanu Monga kasitomala, ndi mwayi kuti mudzakhala ndi malingaliro ambiri omwe angakwaniritse zosowa zanu, ngakhale ndi mautumiki ena owonjezera ndi maubwino omwe ali othandiza pamoyo wanu watsiku ndi tsiku.
  • Yesani kusankha makhadi omwe osaphatikizapo ndalama. Makamaka opanda ma komisheni kapena pakuwongolera ndi kukonza. Mwanjira imeneyi, ngakhale simugwiritsa ntchito, simuyenera kulipira yuro iliyonse.
  • Samalani kupitirira malire anu, popeza mutha kudziwona muli pamavuto azachuma. Kulipira chiwongola dzanja pantchito yomwe sikufunikiranso kufunika kochepetsa malipiro.
  • Nthawi zonse yang'anani kusindikiza kwabwino kwa mgwirizano ngati zingaphatikizepo ndalama zambiri kuposa momwe zimawonedweratu: zilango, zolipiritsa, kukonza, ndi zina zambiri. Mukakhala ndi zonse zomveka mutha kusaina kuti muyambe kusangalala ndi maubwino ake.
  • Ndipo mulimonse osasonkhanitsa makhadi ambiri omwe amawononga chaka chilichonse. Kubwereza munjira yolipirayi ndichinthu chomwe muyenera kuchotsa kuyambira pachiyambi kuti mukhale ndi ndalama, pankhaniyi sizothandiza.

Kodi mungapeze bwanji makhadi aulere?

Mwina simukudziwa, koma ambiri mwa makadiwa amatha kupezeka popanda kulipira ndalama zilizonse, kwaulere. Bwanji? Inde, zosavuta, kugwiritsa ntchito njira zina zakubanki zomwe zimabweretsa njira ina yomwe mwapatsidwa. Chimodzi mwazofala kwambiri ndi kulemba ntchito akaunti yowunika ivomereza kuthekera uku, popanda zofunikira zina kubanki.

Mukayendetsa malipiro anu, ngakhale ngongole zazikulu zapanyumba, mudzatha kulembetsa pulasitiki yanu pansi pamikhalidwe imeneyi, ndiye kuti, kwaulere. Kuphatikiza pakuphatikiza zina zabwino zomwe zingakupindulitseni muubwenzi wanu ndi banki. Zikondwerero zokondera, zopititsa patsogolo malipiro, inshuwaransi yaulere, ndi zina zambiri.

Njira ina yomwe salephera kukwaniritsa zolingazi zimakhala kuti ndi kasitomala wabwino. Kusakhala ndi ngongole kubanki, kugwiritsa ntchito zinthu zake zazikulu, komanso kutsegula mbiri yazachitetezo kungakuthandizeni. Monga mphotho amakupatsirani ma kirediti kadi kapena zolipira, osakumana ndi mtengo uliwonse wogwiritsa ntchito.

Kuchokera pazothandizazi zomwe muyenera kukhala nazo polipira, mudzangosankha mtundu womwe ungakutumikireni pamoyo wanu watsiku ndi tsiku. Ndipo komwe kudzakhale kofunika kwambiri sankhani mtundu wosakwanira kwambiri, yomwe ili ndi chiwongola dzanja chokwanira, ndipo izi sizipanga ndalama zowonjezera kuti zigwiritsidwe ntchito. Ndi zosinthazi muyenera kutsatira zomwe banki yapano ikupeza kuti mupeze yankho labwino, ndikuti mulimonsemo zikhala zosiyana.

Simuyenera kusankha mafomu omwe mungagwiritse ntchito pang'ono, kapena pang'ono pang'ono. Zosadabwitsa kuti padzakhala zinyalala zazing'ono zomwe mumachita popanda chosowa chilichonse. Makamaka mukakhala ndi mitundu yambiri yomwe mungasankhe, komanso kuchokera kumabanki onse omwe amagwira ntchito mdziko lonse. Pambuyo pamafotokozedwe awa, simudzakhalanso ndi chifukwa cholipira koposa kukhala wokhala ndi imodzi mwamakhadi awa, munjira zosiyanasiyana.


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