Konzekerani Mtengo wa Kutuluka
Musanayambe nokha, ndibwino kulingalira mtengo wa kusamukira m'nyumba yanu yoyamba kapena nyumba yanu kuti mutsimikizire kuti mungathe kulipira ndalama ndi mwezi. Pano, timapereka chitsogozo chachikulu chokonzekera ndalama, kuphatikizapo zinthu zazikulu zomwe muyenera kuziganizira pakukhazikitsa bajeti yanu.
Kodi Mungagwiritse Ntchito Mwezi Wambiri Pogula Liti?
Imodzi mwa njira zoyamba zokhala nokha ndiyokutsimikizira kuti muli ndi ndalama zokwanira kuti malotowo akwaniritsidwe.
Simukungoyang'ana zokhazokha pa miyezi ingapo yoyamba koma kuti mutha kukhala ndi moyo watsopano kwa chaka chimodzi kapena kuposerapo. Zimatanthawuza kuwona bajeti yanu ndi zomwe mungakwanitse pogwiritsa ntchito lendi kapena ngongole.
Njira yabwino kwambiri yochitira izi ndi kuika ndalama zanu mumtundu umodzi komanso m'ndandanda ina ndikulemba momwe mungagwiritsire ntchito ndalama. Ndalama zimaphatikizapo renti, zothandiza , magalimoto, ndalama zoyendetsa, chakudya, zosangalatsa. Ngati simukudziwa kuti mukufunikira zochuluka bwanji, lembani zonse zomwe mumagwiritsa ntchito panopa - ndipo ndikutanthauza, chirichonse - kwa nthawi ya masabata awiri. Musati muwerenge chifukwa mukutsatira. Kumbukirani, ngati mukufuna kutsata moyo wanu wamakono, ndalama zomwe mumagwiritsa ntchito pa masabata awiri, nthawi ziwiri, ndizo zomwe mudzafunika kuti muzikhala mwezi umodzi. Ngati simukudziwa chomwe chidzagwiritse ntchito zothandizira, pempherani anthu omwe akupatsani. Afunseni kuti afotokoze chiwerengero cha ballpark chifukwa cha kukula kwa nyumba yomwe mukufuna.
Makampani ambiri adzakupatsani inu chiwerengero. Onjezerani izi ndi zomwe mumagula.
Ngati simunalipire chakudya chanu, zipinda zapakhomo, zofukizira tsitsi, etc ..., onetsetsani kuti muwonjezere izi. Miyendo ya chakudya imakhala yotsika mtengo kuposa momwe mukuganizira. Yesani kwa mlungu umodzi, ndiye nthawi yomwe ili ndi masabata 4 ndikuwonjezerani ndalama zanu.
Mukatha kufufuza ndikulemba zomwe mumagula musanagwire lendi, onjezerani zotsatira 5 peresenti (kuti mukhale otsimikiza), ndipo musiyeni ndalama zanu pa akaunti yanu yosungirako ndalama, ndipo mutenge ndalama zanu zonse zomwe mumapeza kuti muwononge ndalama zanu kuti muwone zomwe zasungira.
Chitani izi kwa mwezi umodzi. Muyenera kukhala ndi malingaliro abwino omwe mungagwiritse ntchito mwezi uliwonse pa lendi.
Mudzasowa Zochuluka Motani?
Nkhonya, nthawi iliyonse pamene mukuyang'ana malo omwe mungathe kubwereka, pali mafunso ena ofunika omwe mukufuna kufunsa mwini nyumbayo. Pezani mndandanda wa mafunso ofunikira apa pomwe .
Malo Otsitsira Malo
Malo ambiri ogona nyumba / nyumba zogwirira ntchito amafunika kubwereka miyezi yoyamba ndi miyezi yotsiriza yobwereka pamene mutsegula chiwombankhanga. Kotero musanalowemo, mufunika kuwirikiza kawiri ndalama zomwe mulipira mwezi uliwonse.Pakuti mukhale otetezeka, muyenera kukhala ndi lendi yokwanira miyezi itatu, ndi ndalama zomwe mukugwiritsa ntchito mu akaunti yanu yosungira kuti muphimbe zoopsa.
Kuwonongeka Kutaya
Zimasiyana kuchokera kumanga kumanga. Malo ena adzafuna chirichonse kuchokera pa $ 500 kufika ku lendi yowonjezera. Funsani musanayambe kulemba. Ndiponso, onetsetsani kuti mukuwonekera pa zomwe zimaonongeka kuwonongeka malinga ndi kuvala kwa tsiku ndi tsiku ndi kudula.
Pet Deposit
Ngati mukuyenda ndi zinyama , chiweto chakhala chikufala kwambiri. Ndalamazi zilipo kulipira kulipira kulikonse kapena kutaya ndalama kwa mwini nyumbayo chifukwa cha zinyama pakhomo. Apanso, funsani mwini nyumba zomwe akuganiza kuti "kuwonongeka kapena kutayika kwa ndalama" kuti mupeze ndalama zonse mukatuluka.
Zida Zowonjezera
Makampani ambiri ogwiritsira ntchito amafunika ndalama ngati simunayambe nawo nawo akaunti. Komanso, ngati mukukhazikitsa nthawi zatsopano pamalo atsopano, nthawi zambiri mumakhala ndi "msonkho" kapena malipiro. Funsani musanayambe kusuntha kuti muwononge ndalamazi mu bajeti yanu.
Ndimalingaliro abwino musanati mulembe kayendedwe kuti mugulitse kuzungulira nyumba zomwe zimaphatikizapo ndalama zothandizira pa lendi yamwezi. Ndalama zonse zophatikizapo zingakupulumutseni ndalama, makamaka ngati mumakhala nyengo yoziziritsa komwe ndalama zowonongeka sizingatheke. Ndimalingaliro abwino ngati mukuyang'ana kusamukira ku nyumba yakale kapena nyumba. Nyumba zakale zimakhala zosasungidwa bwino ndipo zimatha kukupatsani ndalama zambiri.
Kupaka
Ngati mukufuna malo oyendetsa galimoto, nyumba zina zimakulipiritsani kawiri kawiri kawiri kawiri kawiri.
Choncho, ngati ndalama zimadula $ 30 pamwezi, angakulipire ndalama zokwana madola 60. Ngati nyumba yanu ili ndi magalimoto omasuka, komabe mulibe galimoto, funsani mwini nyumbayo za ndondomeko zawo ponena za kubwereka malo. Ndi njira yabwino yopeza ndalama zambiri, makamaka ngati muli mu bizinesi kapena malo okhalamo osungirako magalimoto.
Ngati mukufuna malo ogona komanso nyumba yanu ilibe, muyenera kuitanira ofesi ya mzinda kuti mudziwe momwe mumapezera ndi kulipira chilolezo choperekera pamsewu. Apanso, ndalama zimasiyanasiyana, koma m'kupita kwanthawi, zidzakhala zotsika mtengo kupeza chilolezo kusiyana ndi kulipira matikiti apakampani.
Kukhazikitsa-muzofunika
Pali zinthu zambiri zomwe mungazifune m'nyumba yanu yoyamba. Zinthu izi zingawoneke ngati zazing'ono komanso zopanda pake, koma ndalama zawo zingathe kuwonjezereka mwamsanga. Choncho, kuti mutsimikizidwe kuti mutaphimbidwa, chotsani ndemanga yanu (kachiwiri) ndikulemba mndandanda. Pendani mu chipinda chilichonse ndikuganizira zomwe mukufunikira tsiku ndi tsiku. Musasiye chirichonse! Mwachitsanzo, mu khitchini onetsetsani kuti mumaphatikizapo zipangizo zing'onozing'ono, zipangizo zamakono, zonunkhira (izi zowonjezera), mbale, flatware, tilu, sopo, mbale, mbale, zakudya zapatsulo, miphika ndi mapeni, zitsulo, zotayira, etc.
Ngati zinthu zonsezi zikukuchotsani pang'ono, mungathe kudziponyera nokha. Ndipo bwanji? Tonsefe takhala tikukwatirana kapena akuwoneka ana kapena tipereka mphatso kuukwati, bwanji osaponya phwando ndikupempha alendo kuti abweretse chinthu chimodzi cha nyumba yanu yatsopano? Sichiyenera kukhala chilichonse chodula, chokhacho chothandiza. Lembani mndandanda wa zinthu zomwe mukufunikira ndikuzitumiza ndi maitanidwe. Ndi njira yokondweretsa komanso yogwira mtima yopangitsa kusunthira kwanu kukhala bwino ndipo anthu ambiri adzasangalala kupereka.
Tsopano popeza muli ndi ndalama zanu zonse, mwatenga sitepe yoyamba yosuntha. Zikomo! Tsopano, fuulani malonda omwe akugulitsa, yambani kuyendayenda, kuyang'ana ndikusaka malo abwino , podziwa kuti mungakwanitse. Ndipo koposa zonse, sangalalani!