Thumba ladzidzidzi

Kodi thumba ladzidzidzi ndi chiyani

Monga momwe zachuma zilili kwa ambiri, nthawi zambiri amaganiza za "khushoni", ndiye kuti, kupulumutsa gawo ngati thumba ladzidzidzi kapena thumba ladzidzidzi. Koma mukudziwa kuti zonse sizofanana? Kodi tikutanthauza chiyani pachiwiri kenako?

Ngati mumakhala tsiku ndi tsiku ndi zomwe mumapeza, kapena kutambasula zomwe muli nazo momwe zingathere, nthawi zina kutenga china kuti musunge ndalama zadzidzidzi kungakupangitseni kuti mugone bwino. Koma, Kodi thumba ladzidzidzi lingakhale lotani? Ndipo bwanji sichofanana ndi chadzidzidzi?

Kodi thumba ladzidzidzi ndi chiyani

Tiyeni tiyambe kudziwa kuti thumba ladzidzidzi ndi chiyani. Muyenera kudziwa kuti izi zikutanthauza kukhala ndi ndalama zinazake zomwe siziyenera kukhudzidwa pokhapokha zitathana ndi mavuto osayembekezereka zomwe zabwera m'moyo wanu. Mwachitsanzo, mwina chifukwa cha ngozi yagalimoto, pomwe muyenera kugwiritsa ntchito ndalama zomwe mwasunga pokonza galimotoyo ndikuyigwiritsanso ntchito; kapena kuti mwalandira chindapusa ndipo mukuyenera kulipira patsiku lomwe latsala pang'ono kumaliza.

Tsopano, zomwe tinena kwa inu mwina mukuzitcha m'nyumba mwanu (kapena kampani) "thumba ladzidzidzi" koma, kodi ndizofanana? Kuyambira pano tikukuwuzani ayi, kenako tifotokoza chifukwa chake.

Kusiyanitsa pakati pa ndalama zadzidzidzi ndi thumba lazadzidzidzi

Kusiyanitsa pakati pa ndalama zadzidzidzi ndi thumba lazadzidzidzi

Un ndalama zadzidzidzi ndizopulumutsa moyo watsiku ndi tsiku. Zimakhala ndi kuchuluka kwa ndalama zomwe zimasungidwa ngati pangakhale chinthu china chomwe sichimayembekezereka mnyumba mwanu kapena bizinesi yanu, kuti musadalire banki, kubwereka ndalama kapena kuchita zina kuti athane ndi vutoli.

Mutha kukhala mukuganiza kuti ndizofanana ndi ndalama zadzidzidzi, koma pali kusiyana kwakukulu ndi izi. Ndipo kodi ndiye thumba ladzidzidzi limafuna ndalama zochulukirapo, popeza ndizomwe zingagwiritsidwe ntchito «kuyankha» m'malo mwake «zazikulu» zadzidzidzi, chifukwa ndizokwera mtengo. Komabe, pankhani ya «mwadzidzidzi», pangakhale zinthu zosayembekezereka zomwe sizikuganiza kuti ndizochulukirapo, zomwe zimalipira «tsiku ndi tsiku» ndalama pamaso pa ena.

Chifukwa chake, onse ndi ofanana, koma nthawi yomweyo cholinga chomwe ali nacho sichoncho. Ngakhale imodzi ndiyofunika ndalama zomwe sizotsika mtengo kwambiri, pankhani ya thumba ladzidzidzi imasamalira zazikulu (ndichifukwa chake chiwerengerocho chikuyenera kukhala chochuluka kwambiri).

Ubwino wokhala ndi thumba

Tikudziwa. Kungakhale kovuta kupanga thumba ladzidzidzi (makamaka tikakuwuzani kuti mupanganso thumba lazadzidzidzi). Ndipo pali zabwino zambiri zomwe zingakupangitseni kusankha kuwongolera ndalama ndikusunga. Chifukwa, mwa zabwino zomwe mupeza, ndi izi:

  • Mtendere waukulu wamaganizidwe. Kudziwa kuti muli ndi ndalama zopulumutsidwa, ngakhale simukuzigwiritsa ntchito, kumakuthandizani, komanso zambiri, kuti muchepetse nkhawa. Mukudziwa kuti ngati china chake chichitika, mudzatha kupirira, kwathunthu kapena pang'ono.
  • Mudzapulumutsa zambiri. Pokhala chete, ndi netiweki yazachuma yomwe imakuthandizani ngati china chake chikukuchitikirani, mudzafuna kuti chikhale chachikulu kwambiri. Mwanjira ina, mupititsa patsogolo ndalama chifukwa malingaliro anu sadzakhalanso a "kukhala moyo tsiku ndi tsiku", koma kukhala "kukhala ndi kupulumutsa pang'ono", makamaka popeza sitidziwa zamtsogolo.
  • Mutha kudzisangalatsa nokha. Samalani, pakapita nthawi. Chifukwa momwe mumasungira, ngati palibe chochitika chosayembekezereka, chiwerengerocho chimakwera ndipo chitha kubwera pang'ono pomwe thumba ladzidzidzi lingagawidwe ndalama zosiyanasiyana, kapena kugwiritsa ntchito zina ngati "zofuna", m'njira yoti malire mwafika mutha kugwiritsa ntchito. Kumbukirani kuti simuyenera kukhala mukusunga ndalama nthawi zonse osasangalala nthawi ndi nthawi.

Momwe thumba ladzidzidzi limaperekedwera

Momwe thumba ladzidzidzi limaperekedwera

Palibe kukayika kuti a Thumba ladzidzidzi lingangopangidwa ndi ndalama zomwe muli nazo. Ngati muli ndi ntchito, ndi zomwe mumapeza kumapeto kwa mwezi ndi izo; ngati muli ndi penshoni, zimathandiza ... chimodzimodzi. Koma, ndiyenera kusiya ndalama zingati kuti ndipatse thumba?

Poterepa, kuchuluka kudzadalira moyo wanu. Munthu amene amakhala yekha ndipo amakhala ndi penshoni yopanda ndalama sizofanana ndi banja lalikulu pomwe m'modzi amangogwira ntchito. Koma ngakhale mutha kusunga ndalama zochepa, ndikofunikira kutero.

Chifukwa chake, mutha kulandira ndalama zingapo, thandizo kapena mapenshoni, zopindulitsa zosayembekezereka (lotale, cholowa, zopereka, ndi zina zambiri) Mwanjira ina, kuchokera ku ndalama zilizonse zomwe mungapeze.

Momwe mungapangire thumba ladzidzidzi

Momwe mungapangire thumba ladzidzidzi

Poganizira kwambiri za izi, tikambirana nanu momwe mungapangire thumba ladzidzidzi. Izi zimadalira pamwambapa, ndiye kuti, mudzapereka bwanji (mudzapeza kuti ndalama za thumba limenelo), kuti zizitha kukula pang'ono kutengera zomwe mumasunga.

Koma, kuti muchite izi, kumbukirani izi:

Khazikitsani bajeti

Ndikofunikira kuti dziwani zomwe mumagwiritsa ntchito komanso ndalama zomwe mumapeza pamwezi. Lembani zonse.

Tsopano, patula ndalama zomwe zakonzedwa kuchokera kuzosintha (kugula, kupita kumalo ochitira masewera olimbitsa thupi, kutuluka ndi abwenzi ...).

Ganizirani za ndalamazo, kodi zonse ndi zofunika kapena pali zomwe mungachite popanda? Ngati ndi choncho, mukutenga nthawi yayitali kuti muchotse.

Pezani kusiyana pakati pa ndalama ndi ndalama. Kuti mwezi uyende bwino, muyenera, osachepera, chilichonse kuti chikhale pa 0, ndiye kuti ndalama - zolipirira ndizofanana ndi zero, ngakhale choyenera ndichakuti muyenera kukhala ndi chidziwitso.

Sankhani kuchuluka komwe mukufuna kusunga

Kuchokera pa nambala yabwinoyi, muyenera kukhazikitsa kuchuluka kwa ndalama. Mwachitsanzo, taganizirani kuti kuchokera ku ndalama, mutalipira zonse, mwatsala ndi mayuro 100. Mutha kusankha kupulumutsa ma 25 euros mu thumba ladzidzidzi ndi zina zonse mu thumba ladzidzidzi (kugula zovala, ngati pali ndalama zosayembekezereka pogula, ndi zina zambiri) ndipo, ngati simugwiritsa ntchito, mutha kuziphatikiza thumba ladzidzidzi.

Ndalama zomwe zimasungidwa mu thumba ladzidzidzi siziyenera kukhudzidwa zivute zitani. Pokhapokha ngati pakufunika kuti mugwiritse ntchito ngati chochitika chosayembekezereka. Pang'ono pomwe mukuwona kuti mutha kusunga ndalama, pamapeto pake mudzakhala ndi ndalama zochulukirapo, ndipo izi zitha kutanthauza kusiyana pakati pakumangika ndikukhala omasuka.

Chitani chimodzimodzi mwezi uliwonse

Ayi, sichopusa. Ngati mumachita izi mwezi uliwonse, kodi mumadziwa zonse zomwe mungasunge? Kupitilira ndi chitsanzo cham'mbuyomu, cha ma 25 euros pamwezi, ngati tingachulukitse ndi miyezi 12 (kuti popanda kuwerengetsa ndalama zowonjezera), tikukamba za ma euro 300. Inde, zikuwoneka zochepa. Koma tsopano chulukitsani chiwerengerocho ndi zaka 10. Mukadakhala ndi ma euro 3000 pazinthu zilizonse zosayembekezereka. Ngati mutha kupanganso zina kuthumba, zidzakuthandizani kuti mukhale bwino.


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