Ngati mudapangapo bajeti yomwe inkaoneka bwino papepala ndipo inalephera m'moyo weniweni pofika sabata yachiwiri ya mwezi, vuto silingakhale kudziletsa. Ikhoza kukhala deta. Makamaka, mwina mwakhala mukuyesera kusintha ndalama zanu musanamvetse bwino momwe zimakhalira.
Anthu ambiri amaona zinthu zotsatirira ndalama ngati zolemba za zakudya. Amazigwiritsa ntchito akawonongeka, ali ndi mlandu pang'ono komanso lonjezo loti adzachita bwino mwezi wamawa. Koma kutsatira ndalama zomwe mumawononga kumagwira ntchito bwino mukamaziona ngati zolemba za m'munda. Simukusonkhanitsa umboni woti muweruze nokha. Mukusonkhanitsa zizindikiro za momwe moyo wanu umayendera, mtengo wa zochita zanu, komanso komwe ndalama zanu zimayambira kuyenda ngati palibe amene akusamala.
Kusintha kumeneko n'kofunika chifukwa cholinga chake sikukhala munthu amene sagwiritsa ntchito ndalama zambiri. Ndi kukhala munthu amene amaona zinthu. Ndipo kuzindikira koteroko kungapangitse chilichonse kuyambira pa zakudya zomwe mumakonda mpaka kusankha zinthu zazikulu zokhudza ngongole, kusunga ndalama, komanso ngati mukufuna njira zina zopezera ndalama kuchokera kwa obwereketsa ngongole za nyumba kuti mugule zinthu zambiri. Musanapange ndalama zambiri, zimathandiza kumvetsetsa momwe ndalama zanu zimayendera tsiku ndi tsiku.
Ganizirani Ngati Woyang'anira, Osati Wotsutsa
Kuwunikanso ndalama kothandiza kwambiri kumayamba ndi chidwi. M'malo mofunsa kuti, “N’chifukwa chiyani sindili bwino pakupanga bajeti?” funsani kuti, “Kodi mwezi wabwinobwino umaoneka bwanji kwa ine?”
Mukayamba kugwiritsa ntchito ndalama zanu motere, mumayamba kuona makhalidwe obwerezabwereza omwe ndalama zomwe mumawononga pamwezi zingabisike. Mwina ndalama zomwe mumawononga m'lesitilanti sizili zokhudzana ndi chakudya. Mwina zimakwera usiku pamene ntchito imachedwa. Mwina kugula kwanu pa intaneti sikwachisawawa konse. Mwina zimachulukana Lamlungu madzulo pamene mukupewa Lolemba. Izi ndi zochitika, osati zolephera zanu.
Ichi ndichifukwa chake kuwunika ndalama kungakhale kovumbulutsa zambiri kuposa kuwonetsera bajeti yachikhalidwe. Chitsanzo chimakuuzani zomwe ziyenera kuchitika. Kuwunika ndalama kumawonetsa zomwe zimachitika.
Yambani ndi Miyezi Itatu, Osati Imodzi
Mwezi umodzi ukhoza kukhala wosokeretsa. Ungaphatikizepo tchuthi, kukonza galimoto, tsiku lobadwa, kapena tchuthi cha kumapeto kwa sabata chomwe chimawononga chilichonse. Miyezi itatu imakupatsani chitsanzo chabwino cha moyo weniweni.
Koperani ndalama zanu ku banki ndi ku kirediti kadi yanu kwa masiku makumi asanu ndi anayi apitawa. Ngati mumagwiritsa ntchito ndalama pafupipafupi, yang'anani ma risiti kapena lembani zomwe mukukumbukira molondola momwe mungathere. Cholinga si ungwiro. Cholinga ndi chithunzi chothandiza.
Mukayang'ana zomwe mwachita, zigawireni m'magulu akuluakulu poyamba. Malipiro a lendi, inshuwaransi, ndi ngongole ndi a ndalama zokhazikika. Zakudya, mafuta, malo odyera kunja, zosangalatsa, ndi kugula zinthu ndi a ndalama zosinthika. Machitidwe ambiri okonzekera bajeti amalekanitsanso ndalama zomwe sizili pamwezi, monga zolembetsa pachaka kapena kukonza galimoto, chifukwa n'zosavuta kuziiwala mpaka zitachitika mwadzidzidzi. Zida monga YNAB zimapangidwa pogawa zochitika m'magulu ndikusintha magulu amenewo kuti agwirizane ndi zomwe mukufuna komanso zizolowezi zanu, m'malo mokakamiza kuti zinthu zigwirizane ndi dongosolo lonse. Buku lotsogolera la YNAB logawa zochitika m'magulu ndi chitsanzo chothandiza cha momwe njirayi ingakhalire yatsatanetsatane popanda kuwononga ndalama zambiri.
Yang'anani Nthawi, Osati Chiwerengero Chokha
Apa ndi pomwe kusanthula ndalama kumakhala kosangalatsa kwambiri. Anthu ambiri amasiya kuwerengera magulu onse. Zimenezi n'zothandiza, koma sizikwanira. Mumafunikanso kuphunzira mukamagwiritsa ntchito ndalama.
Dzifunseni mafunso angapo othandiza. Kodi kugula zinthu m'masitolo kumakwera mtengo kwambiri kumapeto kwa nthawi yolipira? Kodi mumawononga ndalama zambiri pazinthu zosavuta mukakhala ndi kalendala yanu? Kodi kumapeto kwa sabata kumapangitsa kuti anthu azigula zinthu zochepa? Kodi kukonza magalimoto kumawonjezeka nthawi imodzi ya mwezi?
Kachitidwe ka nthawi kangafotokoze chifukwa chake bajeti nthawi zambiri imakhala yosasinthasintha. Mwina simungakhale ndi vuto la ndalama mwezi wonse. Mungakhale ndi vuto la ndalama mkati mwa sabata inayake. Mukadziwa zimenezo, njira zanu zimakhala zenizeni. Mutha kusintha masiku olipira mabilu, kukonzekera chakudya musanayambe masiku anu otanganidwa, kapena kukhazikitsa malire a sabata iliyonse a magulu omwe nthawi zambiri amawonjezeka nthawi zina.
"Gulu Lanu la Mavuto" Lingakhale Dongosolo Losowa
Anthu amakonda kunena kuti ayenera "kuchepetsa ndalama zomwe amagwiritsa ntchito," koma malangizo ambiri nthawi zambiri sagwira ntchito. Machitidwe enaake ndi omwe amachita.
Mwachitsanzo, ngati kugula chakudya kukupitiliza kukuwonongerani bajeti, vuto silingakhale kuti mumakonda kwambiri malo odyera. Mwina khitchini yanu imakhala yopanda anthu Lachinayi, mumafika kunyumba mochedwa, ndipo kutumiza ndiye yankho losavuta. Ngati ndalama zomwe mumawononga pa zosangalatsa zikukwera, mwina chifukwa chakuti dongosolo lililonse la anthu lomwe mumapanga limayang'ana kwambiri kulipira zinazake.
Mwa kuyankhula kwina, gulu la ndalama zomwe mumawononga nthawi zambiri limakhala chizindikiro chomaliza. Kachitidwe kanu kamakhala pamwamba pa ndondomeko yanu, mphamvu zanu, zizolowezi zanu, kapena malo omwe mumakhala.
Ichi ndichifukwa chake kutsatira zinthu n'kofunika kwambiri. Kumakuthandizani kusiya kuona ndalama iliyonse ngati chisankho chokhachokha. Zizolowezi zachuma nthawi zambiri zimachokera ku zinthu zobwerezabwereza. Sinthani zinthuzo, ndipo nthawi zambiri ndalama zomwe mumawononga zimasintha nazo.
Gwiritsani Ntchito Zida Zogwirizana ndi Nthawi Yanu Yoganizira
Simukusowa pulogalamu yabwino kuti muchite izi bwino. Mukufunika njira yomwe mudzagwiritse ntchito nthawi zonse.
Anthu ena amakonda mapulogalamu okonza bajeti omwe amalowetsa zokha zochitika ndikuzigawa m'magulu. Ena amakonda spreadsheet yosavuta chifukwa imamveka bwino. Ena amachita bwino ndi zolemba za ndalama, makamaka ngati kulemba chilichonse chomwe mwagula kumapangitsa kuti mupumule musanagwiritsenso ntchito.
Penn State Extension ikuwonetsanso kufunika kwa ndondomeko yogwiritsira ntchito ndalama pamwezi ndi kalendala yoyendetsera ndalama kuti muzitha kudziwa nthawi yomwe ndalama zikufika komanso nthawi yomwe ndalama zikuyendera, zomwe zingathandize kupanga zisankho sabata iliyonse kukhala kosavuta. Njira yawo yothandiza ndi yothandiza makamaka ngati ndalama zanu sizikuyenda bwino nthawi zina pamwezi m'malo mwa mwezi wonse. Ndondomeko yogwiritsira ntchito ndalama pamwezi ya Penn State Extension imapereka chitsanzo chosavuta cha mtundu umenewu wa kutsatira.
Chida chabwino kwambiri ndi chomwe chimakuthandizani kuzindikira mapangidwe mwachangu mokwanira kuti muwayankhe.
Pangani Bajeti Kuchokera ku Zenizeni
Mukangodziwa njira zomwe mumagwiritsa ntchito, tsopano mutha kupanga bajeti yomwe ili ndi mwayi wopulumuka moyo weniweni.
Iyi ndi mbali yomwe anthu ambiri amalephera. Amayamba ndi kukhazikitsa manambala oyenera, kenako amakhumudwa akagwiritsa ntchito ndalama zomwe sakugwirizana nazo. Njira yabwino ndiyo kuyamba ndi zomwe zolemba zanu zikuwonetsa ndikusintha kuyambira pamenepo.
Ngati nthawi zonse mumagwiritsa ntchito ndalama zambiri pa zakudya kuposa momwe mumaganizira, sizikutanthauza kuti muchepetse gululo pakati. Zingatanthauze kuti ndalama zanu zakale sizinali zenizeni. Ngati ndalama zanu zamagetsi zimasinthasintha kuposa momwe mumayembekezera, konzekerani bajeti yanu kuti mupeze ndalama zambiri. Ngati ndalama zanu zokhazikika zikutenga kale gawo lalikulu la ndalama zanu, mwayi wanu weniweni ukhoza kukhala wochepetsa bilu, kulipira ngongole, kapena kukonzekera ndalama zazikulu zamtsogolo mosamala kwambiri, osati kusiya khofi.
Ndalama yomangidwa kuchokera ku kutsata koona mtima nthawi zambiri siimakhala yovuta kwenikweni, koma imakhala yolimba kwambiri.
Mapangidwe Ang'onoang'ono Amapanga Zolinga Zazikulu
Chimodzi mwa zifukwa zabwino kwambiri zotsatirira ndalama ndichakuti chimagwirizanitsa zosankha za tsiku ndi tsiku ndi zolinga zazikulu m'njira yowonekera. Kusunga ndalama zothandizira zadzidzidzi, kulipira ngongole, kukonzekera kusamuka, kapena kumanga thaulo lokonzera nyumba zonse zimakhala zosavuta mukadziwa komwe ndalama zanu zikupita panopa.
Kawirikawiri, ndalama zowonjezera zomwe mukufuna sizimabisika mu ndalama imodzi yaikulu yowononga. Zimagawidwa m'makhalidwe khumi kapena khumi ndi asanu odekha omwe amamveka bwino chifukwa chodziwika bwino. Pali zinthu zingapo zolembetsa zomwe zimakonzedwanso pano. Pali zinthu zingapo zomwe zimakupangitsani kufuna kuzigwiritsa ntchito. Pali zinthu zingapo zodula zomwe mungasankhe sabata iliyonse. Kutsata kumakuthandizani kusonkhanitsa zidutswazo kukhala nambala yomwe mungagwiritse ntchito.
Pamenepo ndi pomwe kupita patsogolo kumayamba kumveka ngati kwenikweni. Osati pamene mukulonjeza kuti mudzakhala "bwino ndi ndalama," koma pamene mutha kuona bwino zomwe zikuchitika, zomwe ziyenera kusintha, ndi zomwe muyenera kusintha.
Chidziwitso Choyamba, Ntchito Yachiwiri
Kutsata ndalama zomwe mumagwiritsa ntchito sikutanthauza kukhala ndi chidwi ndi chilichonse chomwe mwagula. Koma kuchotsa chifunga. Chifunga chikayamba kukwera, zosankha zanu zimakhala zanzeru. Bajeti yanu imakhala yodalirika. Zolinga zanu zosungira ndalama sizimamveka ngati zosamveka.
Ndipo mwina chofunika kwambiri, musiye kuona ndalama zanu ngati zosafunikira.
Mapangidwe amafotokoza nkhani. Mukaphunzira momwe mungawerengere nkhaniyo, mutha kuyamba kuisintha.
