Zikuwoneka kuti palibe mavuto omwe ali ndi malipiro, koma amasowa ndalama. Mwambiri, mufunika luso lokonzekera bajeti, popanda komwe kuli pano, ngati mungagule kwambiri kapena pitani kutchuthi kambiri. Tinaganiza zopezera momwe mungagawire bajeti yanu m'njira yoti ndalama zizichedwa mnyumba ndipo sizinawuke.
#one. Tsatirani ndalama ndi ndalama
Masiku ano, nthawi zambiri chikwama chathu chimabwezeretsa ndalama zolipiritsa, komanso panthawiyo, mphatso za ndalama kuchokera kwa abwenzi ndi abale, cachek ndi mitundu yambiri. Ngati simutsata ndalama zochokera ku magwero onse ndipo osawerengera kufika mwezi, ndalama zowonjezera zimachitika mosavuta monga muwapezera, ndipo simungathe kuzizindikira. Mwa zina, pafupifupi wokhala mumzinda waukulu amakonda kudziletsa okha ndi zomwe zimayenda ngati khofi watsiku ndi tsiku mu shopu yomwe mumakonda. Chonde dziwani kuti ngakhale mtengo wochepa wotere ungawonetse mawonekedwe osasangalatsa pa akaunti yanu kumapeto kwa mwezi.
# 2. Pangani mapulani chaka chimodzi
M'chilimwe sitikuganiza mozama za miyezi yozizira yotsatira, ndipo chifukwa chake timathetsa ndalama zodulira zosangalatsa komanso mphindi zina zazing'ono. Ndi kufika kwa Seputembala mwadzidzidzi komwe mulibe chovala chofunda kapena chinsalu chofunda, chomwe chimatanthawuza kuti muyenera kugwiritsa ntchito ndalama zambiri zomwe mwakonzekera mu kasupe. Chifukwa chake, sizikugwira ntchito kupulumutsa chinthu china chofunikira kwambiri, chifukwa kugwiritsa ntchito ndalama mwadzidzidzi "kumadya" gawo lalikulu la ndalama. Kuti izi zisachitike, lembani mapulani anu ogula chaka chonse: popanda zomwe simungathe kuchita, motero mudzakumbukira, motero, mndandandandawo tsogolo lanu lofunikira. Ikukusungani kuti mugule nsapato zosafunikira za chilimwe "chilimwe chotsatira" kumapeto kwa Ogasiti.
Siyani kuyesa malo ogulitsira
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# 3. Pangani chikwama
Lero mutha kupanga chikwama chowoneka bwino, osachoka mnyumbamo, phindu la mabanki ambiri amalola. Mumangofunika kusankha cholinga komanso kuchuluka komwe mukufuna. Mukawona pamaso panu dzina la cholinga, simudzakhala ndi chikhumbo chochotsani mwadzidzidzi ndalamazo, tinene kuti, gwiritsitsani, gwiritsitsani chinthu chotchinga nthawi yovuta kwambiri.
#. Gawani zambiri zobwezeretsera pamlingo wofunika
Khalani ndi chizolowezi chocheza ndi ndalamayo kuvomerezeka ngati ndalama zothandizira, kulipira kwa ana ndi masukulu a ana, zopereka zokhazokha, ndi zina zowonjezera zokha. Chifukwa chake, simukuphonya malipiro ofunikira chifukwa chakuti patsiku la malipiro, mnzake mwadzidzidzi adafunsa kuchuluka kwakukulu, choyamba muyenera kugawa ndalama zonse zomwe mwalandira.