Choyamba, ikani ma kirediti kadi kuchokera ku chikwama. Izi zikuthandizani kuti musayike ngongole chifukwa cha shinning yotsatira. Khadi la Debit likhala lofunikanso kuti musatenge kulikonse ndi ine. Pamwambapo, monga lamulo, njira zonse zimasungidwa, ndipo ndizosavuta kutsika, osamvanso m'manja mwa ndalama zenizeni. Musanapite ku malo ogulitsira, chotsani ndalama zambiri kuchokera ku khadi kuti yokonzeka kugwiritsa ntchito.
Pangani mindandanda. Izi zitha kukhala zogulira malo ogulitsira iliyonse m'sitolo kapena mndandanda wa ndalama zambiri pamwezi. Kukonza ndalama zonse kumathandizira kukonza bajeti ndikumvetsetsa kuti ndi ufulu wanji womwe mungakwanitse, ndipo sichoncho.
Osasunga data ya khadi yanu. Zimabweretsa kugula mwachangu. Nthawi iliyonse, poika manambala, mupeza nthawi yopenda kufunika kowononga.
Kupulumutsa, nthawi zambiri amakumana ndi anzawo kunyumba, osati cafe. Koma musamale inu kugwiritsa ntchito taxi kapena kuyeretsa kouma. Kusunga kovuta mwachangu kuti mutopa.
Ndipo pamapeto pake, yang'anani zowonjezera ndalama. Itha kukhala ntchito yanthawi yochepa pazinthu zothandizira, kugulitsa singano kapena kubwereka chinthu (malo oyimitsa magalimoto, nyumba zokwera, zomwe ananyamula ana ndi zinthu zina).