Kutha kugwiritsa ntchito bwino ndalama ndi khalidwe lofunika kwambiri panthawi yamavuto azachuma, pamene mphamvu zogulira anthu zikuchepa, kukwera kwa inflation kukwera, ndipo mitengo yosinthira ndalama imakhala yosayembekezereka.M'munsimu muli zolakwika zomwe zimachitika kawirikawiri zokhudzana ndi nkhani zandalama pamodzi ndi malangizo a kasamalidwe kazachuma kuti muzitha kuyendetsa bwino ndalama zanu.
Bajeti ndiye chinthu chofunikira kwambiri pakukonza zachuma.Choncho m’pofunika kusamala kwambiri pokonza bajeti.Kuti muyambe muyenera kupanga bajeti yanu ya mwezi wamawa ndipo mukangomaliza mukhoza kupanga bajeti ya chaka.
Monga maziko amatenga ndalama zomwe mumapeza pamwezi, chotsanipo ndalama zomwe mumawononga nthawi zonse monga mtengo wanyumba, mayendedwe, kenako sankhani 20-30% pakusunga kapena kubweza ngongole yanyumba.
Zina zonse zingagwiritsidwe ntchito pa moyo: malo odyera, zosangalatsa, ndi zina zotero. Ngati mukuwopa kuwononga ndalama zambiri, dzichepetseni ndalama zomwe mumagwiritsa ntchito mlungu uliwonse pokhala ndi ndalama zokonzeka.
"Anthu akabwereka, amaganiza kuti abweza msanga," atero a Sofia Bera, katswiri wazachuma komanso woyambitsa kampani ya Gen Y Planning.Ndipo m'malipiro ake perekani zonse zomwe mwapeza.Koma siziri zomveka ".
Ngati mulibe ndalama pa tsiku la mvula, pakagwa mwadzidzidzi (mwachitsanzo, kukonza galimoto) muyenera kulipira ndi kirediti kadi kapena kulowa m'ngongole zatsopano.Sungani ndalama zosachepera $1000 ngati mutawononga mwadzidzidzi.Ndipo pang'onopang'ono onjezerani "airbag" ku ndalama zofanana ndi ndalama zanu kwa miyezi itatu ndi isanu ndi umodzi.
"Kawirikawiri pamene anthu akukonzekera kuyika ndalama, amangoganizira za phindu ndipo sakuganiza kuti kutaya kungatheke," anatero Harold Evensky, Purezidenti wa kampani yoyendetsera ndalama Evensky& Katz.Iye ananena kuti nthawi zina anthu sawerengera masamu.
Mwachitsanzo, kuiwala kuti ngati m'chaka chimodzi adataya 50%, ndipo chaka chotsatira adalandira 50% ya phindu, sanabwerere ku chiyambi, ndipo anataya 25% ndalama.Choncho, ganizirani zotsatira zake.Konzekerani zosankha zilizonse.Ndipo, ndithudi, kungakhale kwanzeru kuyika ndalama muzinthu zosiyanasiyana zogulitsa ndalama.
Nthawi yotumiza: Jan-15-2023