Njira zogwiritsira ntchito ndalama: kusamutsa pakati pa ndalama

kusintha Pali zabwino zambiri zomwe kubwereka kwa kubwereketsa ndalama zanu. Koma zachidziwikire, chimodzi mwazofunikira kwambiri ndikuti zimaperekedwa ndikusamutsa pakati pazinthu zachuma izi. Chifukwa, mutha kupindula mayendedwe awa muntchito zanu mu ndalama zandalama Kufikira kuti zitheka kuti inu nokha simukuwadziwa. Kuti muthe kuchita bwino pantchito, mudzakhala ndi zomwe muyenera kuchita kuti mulimbikitse kusintha.

Ndalama zogulitsa zakhala zomwe amakonda kugwiritsa ntchito ogwiritsa ntchito kuti phindu lawo lipindule. Zogulitsa zazikulu (zoperekera nthawi, zolembera kubanki, maakaunti omwe amapeza ndalama zambiri, ndi zina zambiri) zasiya chidwi pakati pa osunga ndalama. Pambuyo pa lingaliro la akuluakulu azachuma ku Europe kuti achepetse mtengo wa ndalama ndikuzibweretsa zochitika zakale pa 0%. Izi m'zaka zaposachedwa zapangitsa kuti mitundu iyi yamabanki isamapatse mwayi makasitomala ndi phindu losaposa 1%.

Izi zadzetsa gawo labwino kwa opulumutsa aku Spain kuti atembenukire ku ndalama zandalama. M'machitidwe ake osiyanasiyana, kuchokera kuzomwe zidakhazikitsidwa equity, okhazikika, osakanikirana kapenanso ndalama kapena njira zina zosungira. Ndizosadabwitsa kuti ndi imodzi mwanjira zingapo zomwe mungasinthire malire azomwe chiwongola dzanja chanu chingabwereke. Osati popanda kutenga zoopsa zina, popeza mgwirizano wazinthu zandalama sizimakhala zovuta zina.

Kodi kusamutsa kumapangidwa bwanji?

kusintha Ngati mukufuna kulemba ndalama zandalama, muyenera kudziwa zomwe mungasinthe pakati pa ndalama zandalama. Makamaka, isanachitike msinkhu wamsonkho zomwe zimafuna ndalama zamtunduwu. Chifukwa kwenikweni, kusamutsidwa kumatha kupangidwa kuti musinthe mbiri yomwe mwayika ndalama zanu. Mutha kuzichita kwa wina aliyense, popanda zoperewera zilizonse. Ngakhale kuchokera kumakampani ena oyang'anira, khalani ndalama zosinthika kapena zosasinthika kapena zina zilizonse zomwe zingakuthandizireni zamalonda anu.

Mutha kuchita kangapo momwe mungafunire komanso kwaulere komanso kwaulere kwamakomishoni amtundu uliwonse, monga momwe mungaganizire poyamba. Kuchokera pamalingaliro awa, ndi za opaleshoni yomwe ndi yopindulitsa kwambiri pazofuna zanu kapena monga wogulitsa ndalama zazing'ono komanso wapakatikati momwe muli. Chifukwa ena amatha kupanga zinthu panthawi yomwe ikuwoneka kuti ndi yoyenera. Chifukwa zikhala zofunikira kwambiri kusamutsa pakati pazandalama m'malo mongomaliza ntchitoyo. Pazifukwa zachuma.

Chifukwa chamsonkho waukulu pamisonkho, muyenera kukumana ndi zochulukirapo pazopeza zanu. Koma kudzera pakusamutsa mutha kuwaletsa kuti asagwiritsidwe ntchito mwachangu. Mpaka kuti mutha kudikirira kuti misonkho itsike ndikugwiritsa ntchito mwanjira imeneyi kugulitsa malo anu pazinthu zachuma izi. Ndi njira yothandiza kwambiri kulipira ndalama zochepa. Osachepera kwakanthawi kochepa ndipo izi zimakupatsani mwayi wopitiliza ntchito zanu zachizolowezi.

Kodi ziyenera kuchitika liti?

Zachidziwikire, pali zochitika zina zabwino kuposa zina kuti apange kusamutsa ndalama zandalama. Choyamba, pakakhala zochitika zambiri za misonkho yochulukirapo. Kuphatikiza apo, ndimachitidwe othandiza kwambiri ngati mungakhale ndi zotayika m'malo anu mgululi lazinthu zachuma. Chifukwa mutha kuwongolera malo anu kuzinthu zina zamalonda zikhalidwezi. Ndipo mutha kulipira ngongole ndi kubetcha kwatsopano. Ndi umodzi mwamaubwino ofunikira omwe kusamutsira kumakupatsirani. Koma osati chokhacho, monga momwe mudzakwanitsire kuyambira pano.

Kusunthaku kumalimbikitsidwanso pakakhala mwayi watsopano wabizinesi mkati mwazogulitsa izi. Chifukwa simudzakhala ndi udindo kugulitsa malo anu, koma chidzakhala chokwanira kupita nacho ku thumba lina. Ntchitoyi imatha kuchitika nthawi zambiri momwe mungafunire, popanda zofunikira kapena zoperewera zilizonse. Mulimonsemo, ndi opareshoni yomwe mutha kungogwiritsa ntchito izi. Osati zotsalazo ndipo ndizopangira ndalama ndi ndalama zoperekedwa ndi mabungwe azachuma.

Masitepe omwe muyenera kutsatira

masitepe Kuti musinthe pakati pazandalama, chinthu choyamba chomwe muyenera kuchita ndikusankha komwe mukupita kukasunga. Malingaliro atsopanowa atangopezeka, mudzangoyenera kusamutsa. Ntchitoyi imatha kuchitika kubanki yanu yachizolowezi kapena ngakhale kudzera pa kompyuta yanu bwinobwino kunyumba kapena kulikonse komwe mungakhale panthawiyo. Kuyambira pano, Ndalama zanu zidzagulitsidwa kale muthumba latsopano lomwe mwasankha. Ndipo pamlingo wofanana ndi wakale uja, chifukwa sangachotsere misonkho yomwe zinthu zachuma zimafikira.

Gawo lotsatira lomwe muyenera kutenga kuchokera pano ndikudikirira masiku angapo mpaka gululi litakhazikike. Itha kukhala pakati pa tsiku limodzi kapena masiku awiri, koma osapitilira. Chifukwa mudzakhala muli pachikhalidwe chonse kuti masheya anu azilembedwa pamisika yazachuma. Mutha kuwatsata kudzera m'mabwalo omwe chuma chatsopano chimasunthira. Ndi ntchito yosavuta kotero kuti mudzatha kubwereza pambuyo pa masiku angapo ndikusintha ndalamazo kupita ku thumba lina lazachuma. Ndizosavuta, chifukwa palibe ndipo palibe amene angakuuzeni zina pazisankhozi. Ndichinthu chaumwini komanso chosasinthika chomwe muli nacho.

Zofunikira kuti musamuke

Chofunikira chokha chomwe angakufunseni ndikuti ndalamazo ziyikidwe kubanki yomweyo kapena mkhalapakati wazachuma. Palibe china chomwe chingakupangitseni kuti muchepetse izi. Chifukwa chakuti, mutha kuzisintha ndi ndalama zina zandalama zomwe zikupezeka ku bungwe lazachuma lomwe mukugwirako ntchito. Ichi ndi chimodzi mwazifukwa zomwe muli otseguka kuti mupange njirazi mumayanjano anu ndi dziko lazachuma. Ndikosavuta kuti muzilingalire ngati mupititsa patsogolo ntchitozi kuyambira pano.

China chomwe muyenera kudziwa ndi chomwe chikutanthauza kuti mutha kusintha mtundu uwu, pang'ono pang'ono kapena kwathunthu. Mutha kusunga gawo lazachuma chanu ndikusamutsa linalo ku thumba lomwe mwasankha. Kwanthawizonse momwemonso ndipo sizosiyana ndi ntchito yomwe muyenera kuchita. Izi zitengera njira yomwe mungakhalire kuti muteteze ndalama zanu. Sikuti nthawi zonse kumakhala cholinga chofanana.

Komabe, kusamutsa pakati pa ndalama ndi njira yopita ku sinthani maudindo anu. Chifukwa chakuti, amakulolani kuti musinthe zochitika zandalama nthawi ndi nthawi. Kuti mukhale munthawi yabwino kuti phindu lomwe mwapeza likukhazikitsidwe munjira yomwe mumapeza. Pachifukwa ichi muyenera kudziwa bwino za kusinthika kwa mitu yazinthu zachuma izi. Kuchokera pazomwezi, zitha kutanthauza kukwera kwaphindu kuchokera pazatsopanozi.

Malangizo pakusintha ndalama

consejos Nthawi zonse pamakhala zochitika zina kuposa zina zomwe zimapindulitsa kuchita izi. Simudzachitiranso mwina koma kuwaganizira kuti musinthe momwe mungasinthire. Izi ndi zina mwa mafungulo pomwe zikhala zabwino kwambiri kulimbikitsa gululi.

  • Ngati muwona kuti thumba lanu lazachuma silikukwaniritsa zomwe mukuyembekezera, chisankho chabwino chomwe mungapange ndi yitsogolereni ku ndalama zina zandalama omwe ali ndi chiyembekezo chabwino chakuzindikira. Vuto lokhalo lomwe mungakhale nalo ndikusankha njira yatsopano yopulumutsira.
  • Pamaso pa aliyense kusintha kwamachitidwe azamalonda zomwe zingapangidwe. Udzakhala nthawi yabwino kwambiri kuti muunikenso mozama pazachuma chanu kuti musinthe kwambiri.
  • Zitha kukhala kuti musinthe mtundu wazogulitsa pamalonda kapena ndalama zokhazikika chifukwa chake pangafunike kutembenuka kwa gudumu kuwongola mbiri. Si njira yabwino kuti muzichitira mwachidule. Koma kumbali inayo ndiwothandiza kwambiri munthawi yopuma komanso nthawi yayitali.
  • Simuyenera kusamutsa ndalama zandalama ndi chinyengo china. Ayi sichoncho, koma kokha pakafunika kutero kukonza ntchito. Chifukwa padzakhala nthawi zina pamene adzakwaniritsidwe kwathunthu.
  • Zosintha siziyenera kukhala kuyenda pakati pazachuma chomwecho. Kusintha kwachuma kumatha kukhala kopitilira muyeso kapena ngakhale ndi sinthani njira ndalama. Ndi chinthu chofala chomwe chingapangidwe m'malo abwino opulumutsa.
  • Kuti chilichonse chiziyendetsedwa molondola, zidzakhala zofunikira kuchita a kusanthula kwachuma chanu pafupipafupi. Kuphatikiza apo, ikhala chinthu chothandiza kwambiri kuteteza zofuna zanu muubwenzi wanu ndi dziko lazachuma.
  • Ndalama zogulitsa sayenera kukhala nawo moyo wanu wonse. Ndipo izi zimakwaniritsidwa kudzera pakuwunikanso. Kutengera mawonekedwe omwe mumapereka ngati ndalama zochepa komanso zapakatikati.

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

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  1.   Juan | ndalama anati

    Kodi mudabwerekapo ndalama kubizinesi yanu? Kodi mudalandirapo ndalama kuchokera ku kampani ina kupita ku ina? Kodi mwalemba mapangano obwereketsa ngongole? Kodi maakaunti anu amawerengera moyenera kuchuluka kwa ngongole, kusamutsidwa komwe kwachitika, zolipira zonse komanso chiwongola dzanja?

    Ndizodziwika bwino kuwona zamabizinesi ang'onoang'ono komanso mwatcheru. Mwiniwake amaika ndalama zake kubizinesi kapena amasamutsa ndalama kuchokera kubizinesi imodzi kupita ku zimzake kuti athe kulipirira bizinesiyo. Eni ake ambiri samaganiza kawiri za izi popeza alibe ena ambiri olowa nawo gawo kuti angaganizire kapena kufunafuna kuvomerezedwa. Kawirikawiri timawona makasitomala akuchita mapangano amenewa akupereka mapangano a ngongole kapena mtundu uliwonse wa zolembedwa.

    Poganizira zamtunduwu, njira zopezera ndalama posamutsa ndalama ndichinthu chomwe chiyenera kuchitika mosamala.